Personal CDs & IRAs

30-364 Days Fixed Rate CD

These certificates earn interest at a fixed rate and the interest is compounded at maturity. You must deposit $500.00 to open this account. You must maintain a minimum daily balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement. You may not make deposits into or withdrawals from your account until the maturity date. If you withdraw any of the principal before the maturity date, we may impose a penalty of 90 days of interest, whether earned or not, on the amount withdrawn. You will have a grace period of 10 days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Please contact your local Community Bank Branch for more information.

365 Days or Over Fixed Rate CD

These certificates earn interest at a fixed rate and the interest is compounded monthly. You must deposit $500.00 to open this account. You must maintain a minimum daily balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement. You may not make deposits into or withdrawals from your account until the maturity date. If you withdraw any of the principal before the maturity date, we may impose a penalty of 180 days of interest, whether earned or not, on the amount withdrawn. You will have a grace period of 10 days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Please contact your local Community Bank Branch for more information.

18 Month Variable CD

These certificates earn interest at a variable rate. The interest rate and annual percentage yield may change after the account is opened. The interest rate may change daily, at the bank's discretion. There are no maximum or minimum interest rate limits for this account. Interest is compounded monthly. You must deposit $500.00 to open this account. Additional deposits are accepted to this account; minimum amount for additional deposits is $100.00. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. You may not make withdrawals from your account until the maturity date. If you withdraw any of the principal before the maturity date, we may impose a penalty of 180 days of interest, whether earned or not, on the amount withdrawn. We will use the rate in effect on the date of the early withdrawal. You will have a grace period of 10 days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Please contact your local Community Bank Branch for more information on Individual Retirement Accounts.

18 Month & Over Fixed Rate IRA*

These retirement accounts earn interest at a fixed rate and the interest is compounded monthly. You must deposit $500.00 to open this account. You must maintain a minimum daily balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement. You may not make deposits into or withdrawals from your account until the maturity date. If you choose to transfer your account to another financial institution, a transfer fee of $20.00 will be imposed. If you withdraw any of the principal before the maturity date, we may impose a penalty of 180 days of interest, whether earned or not, on the amount withdrawn.** You will have a grace period of 10 days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Please contact your local Community Bank Branch for more information.

*Please consult your accounting professional for details on which type of IRA will best suit your investment needs.
**Additional Early withdrawal penalties may be imposed by the Internal Revenue Service. Please consult your accounting professional for more information.

12 Month Variable IRA

These retirement accounts earn interest at a variable rate. The interest rate and annual percentage yield may change after the account is opened. These retirement accounts earn interest at a variable rate. The interest rate and annual percentage yield may change after the account is opened. The interest rate may change daily, at the bank's discretion. There are no maximum or minimum interest rate limits for this account. Interest is compounded monthly. You must deposit $25.00 to open this account. Additional deposits are accepted to this account; minimum amount for additional deposits is $25.00. You must maintain a minimum balance of $25.00 in the account each day to obtain the disclosed annual percentage yield. You may not make withdrawals from your account until the maturity date. If you choose to transfer your account to another financial institution, a transfer fee of $20.00 will be imposed. If you withdraw any of the principal before the maturity date, we may impose a penalty of 180 days of interest, whether earned or not, on the amount withdrawn.** You will have a grace period of 10 days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Please contact your local Community Bank Branch for more information.

*Please consult your accounting professional for details on which type of IRA will best suit your investment needs.
**Additional Early withdrawal penalties may be imposed by the Internal Revenue Service. Please consult your accounting professional for more information.