15 Month Certificate of Deposit Special with NO PENALTY!! Annual Percentage Yield of 3.30% $1,000.00 minimum opening balance. Consumer CD Special. Limited time offer. No additional rate increases permitted. There will be a 90 day penalty within the first 6 days of initial deposit, then NO PENALTY until the CD matures. Upon rollover the CD will move to a 12 month CD with full penalties for early withdrawal. No additions permitted and no partial withdrawals. Member FDIC. Call or stop by today for all the details. We can help you save today!