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Get a guaranteed return on your investment. Our certificates of deposit earn interest above standard savings rates. Simply pick your term, lock in your rate, and wait for your payday.

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  • Fixed rates, higher than standard savings
  • Receive higher rates by selecting a longer term
  • Provides more guarantee than other risky investments
  • Set aside for future savings goals
  • A wide range of terms available (from 6 months to 5 years)
  • No setup or maintenance fees
  • Early withdrawals subject to penalty*
  • $1,000 minimum deposit to open

We use two terms to explain how much interest we pay on the deposit accounts.

  • Interest Rate is the annualized percentage rate we pay you on your account, and does not reflect compound interest, which is any interest paid on the interest you've already earned.
  • Annual Percentage Yield (APY) is the annualized percentage rate we pay you on your account, and includes compound interest. The APY may be higher that the Interest Rate due to compound interest. 

Rates Effective July 1, 2019

Account Opening Deposit Minimum Balance Interest Rate APY*
6 Months $1,000.00 $1,000.00 0.21% 0.21%
12 Months $1,000.00 $1,000.00 0.40% 0.40%
24 Months  $1,000.00 $1,000.00 0.61% 0.61%
36 Months  $1,000.00 $1,000.00 0.95% 0.95%
48 Months  $1,000.00 $1,000.00 1.09% 1.09%
60 Months $1,000.00 $1,000.00 1.17% 1.18%

*Annual Percentage Yield (APY) accurate as of 1/7/19 and subject to change without notice.

Certificate of Deposit Special | 11 Month with New Money or Existing Relationship

  • 1.66% Annual Percentage Yield (APY)
  • $10,000 minimum new money or have an existing relationship
  • The opening balance must be in new money (money not currently held by Town and Country Bank or Peoples Prosperity Bank). 

Certificate of Deposit Special | 11 Month

  • 1.41% Annual Percentage Yield (APY)
  • $1,000 minimum balance

Certificate of Deposit Special | 11 Month

  • 1.91% Annual Percentage Yield (APY)
  • $250,000 minimum balance

Certificate of Deposit (CD): To obtain the stated rate offer of 1.66% APY, a $1,000 minimum balance with existing relationship or opening balance of $10,000 in new money (money not currently held by Town and Country Bank and Peoples Prosperity Bank) is required, otherwise the rate is 1.41% APY. To obtain the stated rate offer of 1.91% APY, a $250,000 minimum balance is required. Fees may reduce earnings on the accounts and a penalty may be imposed for early withdrawal for either CD. To obtain the stated rate offers, a Town and Country Bank or Peoples Prosperity Bank checking account is required. If no checking account exists, the rate reduces as stated.

Limited time offer. Rate specials are open to individuals and businesses. We retain the right to limit the amount of deposit. Rate subject to change.

*Early withdrawals may result in a penalty of 12 months interest.