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Minimum opening deposit of $5,000 required. Public funds are not eligible for these offers. Special Offer Rate applicable to initial term only. At maturity, CDs will automatically renew for the Renewal Term stated above, at the interest rate and APY in effect for CDs not subject to a Special Offer Rate, unless the Bank has notified you otherwise.
One partial withdrawal which does not reduce the balance below the minimum opening deposit amount may be made without an Early Withdrawal Fee within five business days beginning on each of the three days the interest rate increases. If any withdrawal causes the balance to drop below the minimum opening deposit amount, an Early Withdrawal Fee will be assessed on the entire amount withdrawn. Early withdrawals made on any day other than during the five-day penalty-free withdrawal period beginning on each of the three days the interest rate increases will be subject to an Early Withdrawal Fee. Withdrawals will reduce earnings. At maturity, the Step Rate CD will automatically renew as a Standard (non-step) 24-month fixed rate CD (Time Account), at the interest rate and APY in effect for CDs not subject to a Special Offer Rate, unless the Bank has notified you otherwise. Public Funds are not eligible for this offer.