Certificates of Deposit (CDs) guarantee you a rate for a specified term. Our terms range from 6 months to FIVE years and during some of the longer terms you may elect to withdraw the interest that is earned. All of our certificates require that the deposits remain for the entire term and penalties will be assessed if the principal is withdrawn prior to the maturity date. Listed below are our standard certificates. Be sure to check out our rate chart for Special Rates and Terms that we offer and are subject to change at any time.