Certificates of Deposit Facts and Fees

Don’t get taken by surprise—explore the facts and fees associated with our CDs.


Facts        Fee
Early Withdrawal Penalties
If you cash the CD out earlier than the term limit you agreed to, you’ll incur a penalty fee
       
CD Term Less than 12 months
(3 month CD, 6 month CD, 9 month CD)
90 days simple interest on the amount withdrawn
CD Term 12 - 35 months
(12 month CD, 13 month CD, 24 month CD, 30 month CD)
180 days simple interest on the amount withdrawn
CD Term 36- 48 months
(36 month CD, 48 month CD)
180 days simple interest on the amount withdrawn
CD Term 49 - 83 months
(60 month CD)
180 days simple interest on the amount withdrawn
CD Term 84 months or greater
(84 month CD, 120 month CD)
180 days simple interest on amount withdrawn
Account Services        
Cashier's Check Fee (customers only)
A check that’s guaranteed by our bank
$25.00
Account Reconciliation Assistance
What we charge to help you balance your checkbook
$30.00 per hour ($30 minimum charge)
Account Research
What we charge if you request us to research your account
$30.00 per hour plus costs ($30 minimum charge)
Non-AAA ATM Usage $3.50 per transaction
Foreign Currency Conversion 2%*
Wire Transfers        
Another way to send money from one account to another        
Wire Transfer Fee (incoming, domestic) $0.00
Wire Transfer Fee (outgoing, domestic) $25.00
Wire Transfer Fee (incoming, international) $0.00
Wire Transfer Fee (outgoing, international) $35.00


*We may charge an international service fee equal to 2% of the amount of the transaction on any international transaction, such as a withdrawal from an ATM outside the United States, or an internet purchase from a foreign merchant. This fee applies regardless of whether the transaction occurs in U.S. Dollars