CD Rates

Minimum Opening Deposit 1,000.00
Term 12 months
Interest Rate 0.65%
Annual Percentage Yield 0.65%
Annual Percentage Yield is effective as of February 1, 2012.
Rates are subject to change. A penalty may be imposed for early withdrawal.

All Federal Benefits To Be Paid Electronically

The U.S. Department of the Treasury soon will pay all social security, federal benefit and non-tax payments electronically, ensuring that federal benefit recipients will receive their money in a safer, more reliable way than paper checks. Sign up for direct deposit at the time you apply for benefits. Or, if you are already receiving federal benefit checks, you must switch to electronic payments by March 13, 2013. Read more...

Financial Links

Consumer Credit Counseling

Many credit counseling organizations are nonprofit and work with you to solve your financial problems. Beware that just because an organization says it is "nonprofit" does not guarantee that its services are free or affordable, or that its services are legitimate. A reputable credit couseling agency should send you free information about itself and its services without requiring you to provide any details about your situation. If an organization does not do that, then consider it a red flag and go elsewhere for help. Below are links and contact information to consumer credit counseling and finacial education program resources.
 
  • FDIC: To learn more about smart ways to manage your money, you can complete the FDIC Money Smart financial education program online through www.fdic.gov/moneysmart.
  • U.S. Department of Housing and Urban Development (HUD): Want advice on buying a home, renting, default, foreclosure avoidance, credit issues or reverse mortgages? HUD sponsors housing counceling agencies throughout the country to provide free or low cost advice. To located a Housing Counseling Agency in your area, call HUD's interactive voice system at (800)569-4287 or search online at http://www.hud.gov/offices/hsg/hcc/hcs.cfm.
  • Foreclosure Avoidance Counselor: To locate a Foreclosure Avoidance Counselor in your area, call HUD's interactive voice system at (800)569-4287 or search online at http://www.hud.gov/offices/hsg/sfh/hcc/fc/.
  • Reverse Mortgage Counselor: To locate a Reverse Mortgage Counselor in your area, call HUD's interactive voice system at (800)569-4287 or search onlie at https://entp.hud.gov/idapp/html/hecm_agency_look.cfm.
  • National Foundation for Credit Counseling (NFCC): To locate a NFCC Member Agency in your area, call 800-388-2227 or visit http://www.nfcc.org/FirstStep/firststep_03.cfm.
  • U.S. Department of Justice (DOJ): To locate a nonprofit budget and credit counseling agency approved to provide counseling that indviduals must take before they are eligible to file for bankruptcy protection, 11U.S.C.109(h), search online at http://www.justice.gov/ust/eo/bapcpa/ccde/cc_approved.htm.
  • Federal Trade Commission (FTC): For information on how to choose a credit counselor, th FTC has information regarding what constitutes reputable credit counseling organizations, questions to ask, tip-offs to rip-offs, and other valuable informaton on its website at http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre26.shtm. The FTC has also creted a Money Matters website to help consumers tackel money issues and includes tips and resources on money matter including scam watch, credit cards, managing your money, dealing wt debt, your home, and jobs. You can access the Money Matters website http://www.ftc.gov/MoneyMatters.

 

Small Business Resources

 

Community Resources