We offer a variety of terms and rates. Normally the longer you are willing to keep your money on deposit, the higher the rate we will be able to pay. Opening deposit amounts range amounts range from $5,000.00 to as little as $500.00 (lower for IRA’s). Ask about current rate offerings. Rate offerings are subject to change on a daily basis. All of our Certificates of Deposit feature FDIC insurance coverage. If you have any specific questions regarding FDIC insurance coverage, be sure to ask any Customer Service Representative how you can fully insure your accounts and about higher coverage levels for qualified retirement accounts. A penalty can or will be imposed for early withdrawal of funds.

Standard short-term CD product offerings*:

• 7-31 Day CD
• 3-month (90 day) CD
• 6-month (180 day) CD
• 9-month (270 day) CD
• 1-year (12 month) CD

Standard long-term CD product offerings*:

• 18-month CD
• 2 Year (24-month) CD
• 30-month CD
• 3 Year (36-month) CD
• 4 Year (48-month) CD

*We will also custom design a CD to fit your needs.

Specialty CD's

In an effort to give you flexibility and a measure of protection during interest rate fluctuations, we have designed several CD products for you to consider as an alternative to our standard CD products.

Our 12-month Add-On CD can be purchased with a minimum of $5,000.00. This product gives you the ability to make additional deposits of $500.00 or more. Any additional deposits made will receive the 12-month interest rate in effect at the time of deposit.

Our 2-year “Step-Up” CD product can be purchased with a minimum of $5,000.00. The “Step-Up” feature provides you with the ability to change the rate on your CD, at any time, once during the initial 2-year period and once during each subsequent renewal period.

We also offer a 3-year “Flex-Rate” CD that can be purchased for a minimum amount of $5,000.00. This product gives you the choice of selecting the currently offered interest rate on a 3-year CD at the end of each 12-month period. The rate change can be made on the day that marks the end of the 12-month period from the initial deposit date and ten days thereafter (grace period).

The IRA CD can be purchased with as little as $100.00. This CD can be used for Traditional or ROTH IRA accounts.

All appropriate IRA rules regarding contributions, distributions, penalties and procedures will be followed.

For customers interested in alternative investments that are not FDIC insured, are not deposits, have no bank guarantee, which may go down in value, and that are not insured by any Federal Government Agency, please contact your local branch manager and ask to be referred to our investment representative. We have access to numerous mutual fund families, variable and fixed annuities through First Tennessee Brokerage (First Horizon Investment Services).