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CDs/IRAs

Time Certificates
We offer a wide variety of Certificates of Deposit. The minimum balance to open a Certificate of Deposit is $1,000.  We use the daily balance method to calculate the interest on the account.  This method applies a daily periodic rate to the principal in the account each day.  A penalty may be imposed for early withdrawal of time certificates.  Fees could reduce earnings on the account.  Time certificate terms are as follows:
 
91 days, 5 months, 182 days, 7 months, 9 months, 12 months, 15 months, 18 months, 24 months, 27 months, 30 months, 36 months, 48 months and 60 months.
 
For more information regarding time certificates and current rate information, please contact a Financial Services Representative at 641-437-4500.

Individual Retirement Accounts
Our Individual Retirement Accounts (IRAs) are all invested into Certificates of Deposits.  We offer a wide variety of Certificate of Deposit options for IRAs. The minimum balance to open a fixed rate IRA is $1,000.  We use the daily balance method to calculate interest on the account.  This method applies a daily periodic rate to the principal in the account each day.  A penalty may be imposed for early withdrawal of time certificates. Fees could reduce earnings in the account.
 
For more information regarding Individual Retirement Accounts (IRAs) as well as rate information, please contact a Financial Services Representative at 641-437-4500.
 
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