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Certificates of Deposit

We use the daily balance method to calculate the interest on your account. This method applies to a daily periodic rate to the principal in the account each day. Interest will be paid quarterly. Minimum balance requirement to open this account is $2,000.00. After the account is opened, you may not make deposits into the account. Withdrawals may be made, however a penalty will apply. This penalty may be waived in the event any account owner dies or is declared incompetent. You have a grace period of ten calendar days after the maturity date.

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