Certificates of Deposit*
A Certificate of Deposit (CD) is a fixed term, interest bearing account. Unlike many other investments, a CD is insured by the Federal Deposit Insurance Corporation (FDIC) up to current limits. Our competitive rates boost your savings potential.
Renewable Certificates
- Available in 91 day to 5 year terms
- Renews automatically for added convenience
Non-renewable Variable Term Certificates
We offer non-renewable certificates of deposit in term lengths of 30 days to 5 years.
- Available in 30 day to 5 year terms
Getting To Know You 3 Year CD*
We'd like to get to know you better, so WE'RE OFFERING YOU A CD that JUST GETS BETTER OVER TIME! Call or come in today to say hi and take advantage of this great offer!
| 1st year |
1.49% Interest Rate |
| 2nd year |
1.99% Interest Rate |
| 3rd year |
3.45% Interest Rate |
| The Annual Percentage Yield (APY) is 2.33% |
*Effective 11/9/09; must have active checking or savings account
at Panhandle State Bank, Intermountain Community Bank or
Magic Valley Bank. Minimum opening deposit $500. A penalty
may be imposed for early withdrawal which may reduce earnings.
Must have a $500 minimum balance to earn Annual Percentage
Yield (APY). This CD is stepped-rate. The interest rate is 1.49% for year 1, 1.99% for
year 2, and 3.45% for the year 3. Offer not available
for brokered CDs or institutional investors. May be opened as an
IRA. Offer may be changed or discontinued at any time without
prior notice.
Individual Retirement Accounts (IRA)
Our Individual Retirement Accounts (IRAs) allow you to affordably save for retirement. A higher rate of interest and the safety of FDIC insurance make our IRAs an ideal retirement savings option. Significant tax advantages** can further boost your savings. In addition to the accounts listed below, all renewable CD options are also available as IRAs. On all CDs, penalties may apply for early withdrawal and IRAs are subject to possible tax penalties for withdrawal prior to age 59 ½.**
18-Month Variable Rate IRA
The interest rate on this account will change automatically with the market.
- $100 minimum to open
- FDIC insured subject to current limits
- Renews automatically for added convenience
30-Month Fixed Rate IRA
The interest rate and annual percentage yield on this account will not change and will be in effect until the account matures.
- $100 minimum to open
- Renews automatically for added convenience
- Interest rate is fixed until the account matures
* On all CDs, penalties may apply for early withdrawal of funds
** Always consult a tax professional to determine how the tax benefits and possible tax penalties may affect you
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