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CERTIFICATES
OF DEPOSIT
Certificates
of Deposit have proven their popularity for many years with America's
savers. They provide financial predictability in a number of ways. At
Citizens Bank & Trust, CD terms can range from 30 DAYS - 4 YEARS.
A few
advantages of investing in a Citizens Bank & Trust CD:
|
•
|
A secure,
safe place to invest your money |
|
•
|
Competitive
interest rates |
|
•
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$500
minimum balance |
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•
|
Monthly
interest payment to Citizens Bank & Trust account available |
|
•
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Certificates
written to automatically renew at maturity |
|
•
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Quotations
on jumbo CDs available to current customers |
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•
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CD's
are not subject to fluctuations in the market (FDIC insured) |
Rates
Rates are accurate as of 08/22/2008
|
Account
Type/Term
|
Min.
Deposit
to Open
Account
|
Min.
Balance
to Obtain APY*
|
Interest
Rate
|
APY*
|
| Certificate
of Deposit |
|
1 Month |
$500.00
|
.01
|
.75
|
.75
|
|
3 Month |
$500.00
|
.01
|
.99
|
1.00
|
|
6 Month |
$500.00
|
.01
|
2.03
|
2.05
|
|
12 Month |
$500.00
|
.01
|
2.23
|
2.25
|
|
18 Month |
$500.00
|
.01
|
2.23
|
2.25
|
|
24 Month |
$500.00
|
.01
|
2.23
|
2.25
|
|
30 Month |
$500.00
|
.01
|
2.98
|
3.00
|
|
36 Month |
$500.00
|
.01
|
3.015
|
3.05
|
|
48 Month |
$500.00
|
.01
|
2.98
|
3.00
|
|
60 Month |
$500.00
|
.01
|
3.00
|
3.03
|
*APY=Annual Percentage Yield
**Rates may change after account is open.
Fees could reduce the earnings on these accounts.
Penalty will be imposed for early withdrawal.
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