Certificates of Deposit

Banking

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	Certificate of Deposit	Jumbo Certificate of Deposit	Individual Retirement Account CD
Great If You Want...¹	To build your savings in a deposit eligible for FDIC insurance.²	To invest $90,000.00 or more in a time deposit eligible for FDIC insurance.²	To include a time deposit eligible for FDIC insurance in your retirement account².
Account Type²	Time deposit	Time deposit	Time deposit
Ownership	Consumer All for-profit business entity types Non-profit organizations (ask us for details)	Consumer All for-profit business entity types Non-profit organizations (ask us for details)	Consumer
Minimum Opening Deposit	$2,500.00	$90,000.00	$2,500.00 for standard IRA CD $90,000.00 for Jumbo IRA CD
Interest³	Earn interest on balances of $2,500.00 or more. Longer maturities earn higher rates.	Earn interest on balances of $90,000.00 or more. Longer maturities earn higher rates.	Earn interest on balances of $2,500.00 or more ($90,000.00 or more for our Jumbo IRA CD). Longer maturities earn higher rates.
Online Banking	No additional charge Inquiry of balances only	No additional charge Inquiry of balances only	No additional charge Inquiry of balances only
Early Withdrawal Fees	Maturities of 1 year or less: Withdrawals before maturity are subject to a penalty of one month's interest. Maturities of more than 1 year: Withdrawals before maturity are subject to a penalty of three months' interest.	Maturities of 1 year or less: Withdrawals before maturity are subject to a penalty of one month's interest. Maturities of more than 1 year: Withdrawals before maturity are subject to a penalty of three months' interest.	Maturities of 1 year or less: Withdrawals before maturity are subject to a penalty of one month's interest. Maturities of more than 1 year: Withdrawals before maturity are subject to a penalty of three months' interest.

Important Information

Account Terms. The information provided on this page provides basic information on our accounts for comparison purposes only. Certificates of deposit offered by us are governed by the standard terms and conditions as stated on the certificate of deposit. Please read the certificate carefully before opening the account. If you have any questions regarding a product or service, call us at 1-620-227-8586.
Member FDIC. Your deposits are insured to at least $250,000. Estimate your coverage using FDIC's EDIE - The Estimator.
Interest-Bearing Accounts. Please contact us for current rates. Fees could reduce the earnings on the account. For a fixed rate CD, the interest rate will be paid until maturity. For a variable-rate certificate of deposit, the interest rate and APY may change at any time after the account is opened.

Opening an Account. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, date of birth, social security number and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.