Border State Bank | Personal Banking | Certificates of Deposit

Certificates of Deposit

Stable, secure returns on your investment.
Rate Information	Border State Bank offers competitive CD rates on terms ranging from 90 days to 5 years. You can open a CD for as little as $500. For current interest rates, click here, or visit with your local Personal Banker.

Fixed Rate CD	Enjoy a guaranteed return on your investment. Fixed rate CD's are safe, secure and a smart part of a diversified investment plan. Border State Bank CD's offer varied interest rates and terms to allow greater investment flexibility.

Option CD's	Enjoy great rates now, but keep your options open. Border State Bank's 24 Month Option CD offers unbelievable flexibility. If rates go down, you're locked in at a great rate. If rates go up, you have a one time option to increase your rate. You also have the option of making up to four additional deposits (minimum of $1000 each) and you can make one penalty free withdrawal of up to 50% of the current balance after the account has been open seven days. Total additional deposits may not exceed original investment. Unlock your investments with our Option CD!

Flex CD	With the one-time ability to change your rate plus the ability to withdraw up to 50% of your current balance, our Flex CD gives you control over your money. Flexibility combined with great rates - that's our Flex CD. Minimum deposit is only $5000 - Term is 24 Months.

Indexed CD The new Border State Bank Dow Jones Industrials Indexed CD is a worry-free way to invest your money. Now you can enjoy the benefits of the stock market without the risks! Each five-year investment is FDIC insured...which means when the market is up; your money is on the rise. When the market is down, your original investment is safe and sound! What are the benefits of an ICD? Performance tied to Dow Jones Industrial Average (DJIA) Opportunity for Market Returns - You have the opportunity to achieve higher than fixed rate returns based upon historical performance of the DJIA. Diversified amongst 30 "Blue Chip" Stocks Reliable - Portfolio diversification over a broad segment of the U.S. Economy. Principal Protected, if held to maturity Safety - Enjoy the comfort of knowing that your principal is being protected by Border State Bank, if held to maturity. FDIC Insured Protected up to $100,000 per depositor, subject to limitations imposed by law. Affordable - Only $1,000 Minimum Deposit Required Early Withdrawal Options ICDs offer an annual early withdrawal opportunity allowing investors the option to redeem prior to maturity on each anniversary date of the respective ICD. No Customer Fees or Charges No Management Fees - allowing you to have 100% of your deposit at work. Call your personal banker today to determine if this investment is suitable for you.

Interest Payment Options When it comes to saving money for the future, we offer a full range of fixed rate CD's to meet your needs. Interest is paid every six months. We offer three convenient interest payment options: Add the interest payment to the principal amount of your CD. Automatically deposit the interest to your BSB checking or savings account. Receive an interest check by mail.

Automatic Renewal Your CD will automatically renew at maturity*. However, you have a ten day grace period from the maturity date to withdraw the funds without penalty. You may change the term of your CD or make deposits or withdrawals during the grace period. Each renewal term will be the same as the original term, beginning on the maturity date.

Early Withdrawal Penalty An early withdrawal will reduce earnings and in some cases, reduce the principal amount. A penalty of three months interest on the amount withdrawn may be imposed for CD terms less than one year and six months interest for terms one year or greater*.

*Interest payments, Automatic Renewal and Early withdrawal penalties differ for the Index CD and for some specials. Consult your Personal Banker for more details.