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Notice of Changes in FDIC Insurance Coverage for Transaction Accounts
By federal law, as of 1/1/2013, funds in a noninterest-bearing transaction account (including an IOLTA) will no longer receive unlimited deposit insurance coverage, but will be FDIC-insured to the legal maximum of $250,000 for each ownership category. For more information about FDIC insurance coverage of transaction accounts, visit
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Certificates of Deposit (CDs)
  • Competitive rates of interest.
  • May be purchased in amounts of $1,000.00 or more.
  • Terms range from 3 to 60 months and may be automatically renewed.
  • Interest rates are established on the basis of amount and term and are fixed until maturity.
  • Interest may be paid or compounded quarterly, semi-annually, or annually, depending on the term of the deposit.
  • A substantial interest penalty is required for early withdrawal.
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