Online Banking

CDS

Isabella Bank offers a variety of Certificates of Deposit terms and rates. (For more information, including rates for Individual Retirement Acounts (IRAs), bump CDs and future growth certificates of deposit, contact your local office.

  Term

$1,000 Minimum Balance Requirement

$10,000 Minimum Balance Requirement

 

Interest Rate

Annual Percentage Yield (APY)1

Interest Rate

Annual Percentage
Yield (APY)1

6 Month 0.150% 0.15% 0.350% 0.35%
12 Month 0.250% 0.25% 0.499% 0.50%
24 Month 0.399% 0.40% 0.648% 0.65%
36 Month 0.747% 0.75% 0.995% 1.00%
48 Month 0.946% 0.95% 1.193% 1.20%
60 Month 1.243% 1.25% 1.490% 1.50%
15 Month Bump2 0.349% 0.35% 0.598% 0.60%
72 Month Bump3 1.539% 1.55% 1.785% 1.80%

1 The annual percentage yield assumes interest is paid out at the end of the term. A withdrawal will reduce earnings.

2 At your request we will change the interest rate on your account once during the original term.  The interest rate for your account will never exceed 5.00% above or fall more than 5.00% below the initial interest rate.

3 At your request we will change the interest rate on your account twice during the original term.  The interest rate for your acount will never exceed 5.00% above or fall more than 5.00% below the initial interest rate.

Rates as of 9/09/2014 and subject to change.  Certificates of deposit have a penalty for early withdrawal; fees may reduce earnings.