Option Rate Term Investments

With an Option Rate Term Investment, you will receive an attractive dividend rate upon opening the account, along with the option to take advantage of a one-time rate adjustment when dividend rates are on the rise. And if you decide to roll your balance over for another term, you'll receive another one-time option to "step-up" your rate!

• $25,000 minimum opening deposit; $99,999 maximum opening deposit 
• Higher rates for opening deposits of $50,000 - $99,999
• 13-, 24-, and 36-month terms available
• Option of requesting one rate adjustment within first 12 months of the account to the rate in effect at the time of your request
• Dividends calculated on the daily balance, compounded, and paid quarterly
• Earned dividends can be withdrawn monthly or quarterly without penalty; however, this will reduce your earnings
• Additional deposits are not permitted before the maturity date
• Early withdrawal penalties may apply if you withdraw principal from your account before the maturity date

Dividend Rates, APYs, and terms are subject to change without notice. There are fees associated with these accounts. See Schedule of Fees for more information. Fees may reduce earnings.