CDs

Personal CD Options

Certificates of Deposit

Interest rates will vary based on the term of the certificate. Interest is calculated on an actual 365-day basis. For fixed-rate certificates only, the interest rate does not change until maturity.

To assist you in selecting your certificate we offer...

Short Term Certificates

$1,000 minimum deposit
Maturities of less than one year

Long Term Certificates

$500 minimum deposit
Maturities of one year or longer

Jumbo Certificates

$100,000 minimum deposit
Maturities of seven days or longer

APY assumes interest remains on deposit until maturity. All certificates are automatically renewable unless specified otherwise and early withdrawal penalties apply. CD offer can be withdrawn at any time.

The standard insurance amount of $250,000 per depositor is in effect through December 31, 2013. On January 1, 2014 the standard insurance amount will return to $100,000 per depositor for all account categories except IRAs and other certain retirement accounts, which will remain at $250,000 per depositor.

CDARS ® Certificate of Deposit Account Registry Service ®

Enjoy full FDIC insurance on deposit amounts larger than the FDIC limit. Your large deposit is broken into smaller amounts and placed with other banks that are members of the CDARS network. These member banks issue CD's in amounts under the limit so that your entire investment is eligible for FDIC insurance coverage. You work with just one bank, National Bank and Trust. Ask us for details about this investment feature.

CDARS and Certificate of Deposit Account Registry Service are service marks of Promontory Interfinancial Network, LLC.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts.
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

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