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Certificate of Deposit (CD)

• Perfect investment for interest-earning time deposits (non-transaction)
• Convenient maturity terms of 90 days to 4 years
• Competitive variable interest rates based on maturity term and principal amount
• Minimum balance to open is $1,000; $100,000 for Jumbo CDs
• Interest is calculated using daily balance method (simple interest)
• Interest is added back to the Certificate of Deposit principal each quarter
• Early withdrawal penalty applies

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