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CD's longer than 30 days have a seven calendar day grace period, beginning on the day of maturity, to withdraw /deposit funds without penalty. 30 day CD's have a grace period of 1 day to withdraw/deposit funds without penalty. CD interest can be withdrawn at any time after it is credited. Withdrawal of CD principal before maturity will be assessed a penalty equal to the amount of interest that would be earned during the number of penalty months shown below at the CD interest rate, on the CD principal amount that is withdrawn before maturity (whether or not such interest has actually been earned).
During the term of a 1, 2, 3 or 5 year Certificate of Deposit (CD), opened or renewed on or after August 10, 2015, you may choose to Bump Up (adjust) the interest rate to the prevailing interest rate for the same maturity CD without changing the maturity date or incurring a penalty. The Bump Up option can only be exercised once during the term of the certificate.
Offered in branch only. Certificates of deposits with 1-year, 2-year, 3-year and 5-year maturities. All other CD terms and conditions apply.
Early withdrawal penalty equals the amount of interest that would be earned during the number of penalty months shown below at the CD interest rate, on the CD principal amount that is withdrawn before maturity (whether or not such interest has actually been earned).
*APY = Annual Percentage Yield
Presidential Bank reminds you that firstname.lastname@example.org is NOT a secure means of communication. Please refrain from including personal information such as account numbers, Tax ID/Social Security numbers, passwords, etc. We encourage you to maintain contact with us through our Secure Email service, located within Personal Online Banking. Help us keep YOUR personal information PRIVATE!
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