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Time Deposits (Certificates of Deposit)


 

Introduction

Time Deposits (Certificates of Deposit)

Product Features

A Time Deposit is also known as a certificate of deposit or CD. A CD pays a higher rate of interest than a savings account in exchange for you agreeing to place your funds in savings for a preset period of time.  The terms for our CDs range from 1 month to 4 years. Interest rates vary with the length of the term of the CD.  Automatic renewal for CD at maturity is available.

Interest will not be compounded. Accrued interest will be credited to the Account at maturity. There is a minimum required to open a CD that varies with the term of the CD. There is no monthly maintenance fee for this account. Penalties may apply for early withdrawals.

Please contact either the New York Branch or the Queens Branch for specific information relating to the requirements to establish a CD.

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