Certificates of Deposit

CDs, not to be confused with the musical recordings, are nevertheless music to your bottom line. Easy to set up and operate, they bring interest to the balance sheet and can be timed to meet anticipated needs. As part of your overall banking relationship they may be one of the sweetest things you'll hear from us – kaching.

• Open with $1,000
• Choose the term and corresponding interest rate that suits you best
• You can title a CD for individual, joint, in-trust-for, or estate of payable-on-death ownership
• Complete account disclosures, with current annual percentage yield and early withdraw penalties, are available any time. Just ask.

Contact the branch nearest you to open your account.

CDARS

Certificate of Deposit Account Registry Service, or CDARS (pronounced "cedars") combines the convenience of working with one financial institution with the security of FDIC Insurance for amounts up to $50,000,000. Here's how it works:

• You work with one bank.
• You get one interest rate on CD investments.
• You receive one statement detailing your CD investments.

Kirkpatrick Bank can offer CDARS because we are members of a special network. Network members place customer funds into certificates of deposit issued by banks in the network in amounts below the standard FDIC insurance maximum. This means the principal and the interest earned are eligible for full FDIC insurance. Perfect for private investors, businesses, non-profit organizations.

No risk. No muss. No fuss.

Contact the branch nearest you to for more information.