¹ Trust Services: Personal and corporate trust services are subject to standard account agreement terms and conditions. Non-deposit products and services are not insured by the FDIC, are not deposits, and may lose value.

² Lending Products: All loans are subject to credit approval. Certain fees, restrictions, and other terms and conditions may apply. Equal Housing Lender.

* Certificate of Deposit Disclosures

• CD accounts can only be opened by those 18 years of age or older.
• When opening a CD, there may be a 24-48 hour delay (1 to 2 business days, excluding weekends and federal holidays) between when you submit your application and when your funds are posted to the account.
• The interest rate on your account will be paid until first maturity.
• For current rates on all CDs, see our Consumer Account Rates. Please note: The interest rate for your CD is locked in at the time your account is opened. This may differ from the interest rate displayed when you started or completed your application.
• CD interest rates and annual percentage yields (APYs) are displayed as annual figures to provide a clear and consistent basis for comparison. For CDs with terms shorter than 12 months, actual earnings are adjusted, or prorated, to match the term length. For example, a six-month CD will earn approximately half the interest it would over a full year.
• Maturity dates for 3-Month CDs are based on 90 days.
• Maturity dates for 6-Month CDs are based on 182 days.
• The annual percentage yield assumes that interest remains on deposit until maturity. A withdrawal of interest will reduce earnings. The APY is the annual percentage yield. For terms less than 12 months, the APY relies on assumptions that may or may not be available at renewal; additionally, if you choose not to renew your term, then the APY will be the same rate as the interest rate.
• We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Interest begins to accrue on the business day you deposit noncash items (for example, checks).
• Interest will be compounded every quarter on accounts with terms of one year or more and at maturity on accounts with terms of less than one year.
• Interest will be credited to your account every quarter on accounts with terms of one year or more and at maturity on accounts with terms of less than one year.
• Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity):
  • If your account has an original maturity of less than one year, the fee we may impose will equal 91 days interest on the amount withdrawn subject to penalty.
  • If your account has an original maturity of one year or more, the fee we may impose will equal 180 days interest on the amount withdrawn subject to penalty.
  • If your account is a 30-day short-term CD, the fee we may impose is the greater of:
    • 7 days interest on the amount withdrawn subject to penalty if the withdrawal is made within the first 6 days after the deposit
    • all interest on the amount withdrawn subject to penalty

  In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.

• The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. The APY is the annual percentage yield. For terms less than 12 months, the APY relies on assumptions that may or may not be available at renewal; additionally, if you choose not to renew your term, then the APY will be the same rate as the interest rate.
• If you prevent renewal, interest will not accrue after final maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You will have 10 calendar days after maturity to withdraw the funds without a penalty.
• See our full set of disclosures here.