A Certificate of Deposit (CD) may be established at any of our branch locations (Drive up and Loan Production Offices, excluded).  CDs require an initial minimum deposit and are interest bearing instruments with terms of anywhere from three months to five years, and are given a fixed rate of return based on the prevailing rates at the time the CD is established.  Funds may be withdrawn prior to maturity; however, there will be a penalty for early withdrawal. Please contact Bank for details and current rates.