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Rates change at management's discretion. CDs 30, 91 and 182 days, 12, 18, 24, 30, 36, 42 and 60 months are available. Interest is calculated on a simple interest basis and paid quarterly. Monthly checks can be issued on CDs of $10,000 or over. Interest will be capitalized on a quarterly basis. An early withdrawal penalty of the loss of three month's interest is assessed on CDs of 12 months or less. A six month penalty is assessed on CDs of over 12 months. A twelve month penalty is assessed on CDs that are 60 months and over. Contact bank for details, or with any questions you may have.