Certificates of Deposit

For the customer who wishes to earn more on excess funds, Service 1^st Bank offers competitive rates on certificates of deposit with a wide range of maturity terms. Call or stop by for a rate quote today.

Worried about FDIC insurance on your CD's over $100,000? Well, worry no more! With the new Certificate of Deposit Account Registry Service (a.k.a. CDARS), Service 1^st Bank can provide its customers up to $30 Million in FDIC insurance coverage! Contact your Service 1^st Bank branch for details or visit www.cdars.com for more information.

Regular Certificates of Deposit:
Earn higher rates by setting excess funds aside anywhere from 30 days to 60 months.

Product Features	Minimum Opening Deposit	Interest	Penalties
Terms can vary from 30 days to 60 months, 10-day auto renewable grace period.	$1,000	Interest is compounded daily and paid monthly, quarterly, annually, or at maturity.	A penalty may be imposed for early withdrawal.

Individual Retirement Accounts (IRA):
Plan for retirement and open an IRA with terms ranging from 12 to 60 months. The type of IRA's we offer are: Traditional IRA, Roth IRA, SEP IRA, and Coverdell (Educational) IRA.

Product Features	Minimum Opening Deposit	Interest	Penalties
Terms can vary from 12 to 60 months.	$1,000	Interest is compounded daily.	Subject to Federal penalty for withdrawals prior to age 59½.