Certificates of Deposit (CDs)

Compare our rates to other banks and see for yourself what it means that we are still independent. Only local conditions affect our rates. That's why we can still offer a Certificate of Deposit (CD) with a highly competitive rate.

Your money can grow in the complete safety of our Federally Insured Certificate of Deposit. With a minimum deposit of $2,500 to open and earn the APY, you can choose any of the terms below:

Current Rates (rates effective as of July 24, 2015)


Interest Rate APY Minimum Balance Required
6 Month CD 0.30% 0.30% $2,500
12 Month CD 0.45% 0.45% $2,500
24 Month CD 0.65% 0.65% $2,500
36 Month CD 1.00% 1.00% $2,500

*APY is the annual percentage yield.  A penalty may be imposed for early withdrawal.  Maximum deposit is $249,999.  Fees could reduce the earnings on the accounts.  Rates are subject to change without notice.

FDIC Insurance on CDs over $250,000

Enjoy full FDIC protection on CD amounts larger than $250,000 through

Orange County Trust Company. It's a great solution for businesses, nonprofit organizations, public funds managers, trustees, financial advisors, individuals, credit unions, and IRAs.

To learn more details click here.

To explore the financials of retirement, use our Retirement Calculator.

Call us at 845-341-5000 for our latest interest rates.