Our 12 Month CD currently earns 3.00% (3.03APY*)     Minimum investment is $500     Limit time offer     Complete disclosures available at every location        View current CD rates   *Annual Percentage Yield

  The interest rate and APY are in effect during the time period of the certificate.

  Any change in the compounding or payment of interest will result in a change of the APY.

  Minimum opening investment is only $500 unless otherwise specified.

  Interest is compounded according to the following schedule:  

Less than or equal to 3 months...at Maturity

Greater than 3 months but less than 5 years...Quarterly

Five years or longer...Semiannually

Any withdrawal of principal prior to the term of your certificate will result in a penalty to be assessed to your account.  In the event of the death of the account holder, early withdrawal penalties are waived.

You may not make deposits to increase principal balance of certificate until the maturity date.  Withdrawal of interest may only be made after the first quarterly interest has been capitalized.  

  Save for your retirement with a tax-deferred BOI Certificate of Deposit.

You may open your IRA with just $500.

Interest is compounded according to the following schedule:  

The interest rate and APY are in effect during the time period of the certificate.

Any change in the compounding or payment of interest will result in a change of the APY.

Any withdrawal of principal prior to the term of your certificate will result in a penalty to be assessed to your account.  In the event of the death of the account holder, early withdrawal penalties are waived.

  You may not make deposits to increase principal balance of certificate until the maturity date.  Withdrawal of interest may only be made after the first quarterly interest has been capitalized.

  Save for your retirement with a tax-deferred BOI Self-Directed IRA Money Market.

  You may open your IRA with just $25.

  You may invest your IRA funds in any investment but all account holders must maintain an IRA Money Market account for the accounting and reporting purposes.

The interest will accrue daily on the current account value and will be paid monthly.

Any change in the compounding or payment of interest will result in a change of the APY.

You may make as many deposits into your IRA, that are allowed under the rules of the Internal Revenue Service.

Self Directed Money Market Fee Schedule For Self Directed IRAs