Certificates of Deposit

• Terms range from thirty days to five years
  
• Interest paid by check, deposit to any WCB account or added back to principal
  
• Possible penalty for early withdrawal

FLEX Certificate of Deposit

• 15 and 30 month terms available
  
• Unlimited additional deposits can be made to the CD during the term ($100 minimum deposit amount for additional deposits)
  
• One withdrawal of up to ½ current principal balance can be made during the term of the CD with no penalty
  
• Possible penalty for early withdrawal of entire balance
  

Smart Start Certificate of Deposit

• Offered only for children under 18 years of age
  
• 15 month term
  
• Minimum opening deposit of $100
  
• Unlimited additional deposits can be made to the CD during the term ($20 minimum deposit amount for additional deposits)
  
• One withdrawal of up to 1/2 current principal balance can be made during the term of the CD with no penalty (withdrawal must be at least $50)
  
• Possible penalty for early withdrawal of entire balance