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CDs and CDARSYou can invest in Certificates of Deposit(CDs) at Bradford National Bank. You can select the term you want based on the interest rate it pays. A minimum deposit of $1,000 is required and certain restrictions may apply. Bonus Rates Available on the 7 month, 15 month, or 26 month term to customers with a new or existing checking account at Bradford National Bank. $1,000 minimum to open and to earn interest. Bonus certificate interest is paid or compounded semiannually. However on deposits over $5,000.00, quarterly payment or compounding is available on request. On deposits over $10,000.00, monthly payment or compounding is available. On single maturity certificates, the interest stops at maturity. Ask your customer service representative about these rates. Rates, terms, and Annual Percentage Yield (APY) is noted below.
FOR INFORMATIONAL PURPOSES ONLY. | Rates subject to change without notice.
Rate Hotline: (618) 664-8888
HIGHER THAN THE MINIMUM LISTED DEPOSIT AMOUNT MAY BE REQUIRED FOR SHORTER COMPOUNDING PERIODS.
Certificate interest is paid or compounded semiannually. However on deposits over $5,000.00, quarterly payment or compounding is available on request. On deposits over $10,000.00, monthly payment or compounding is available. On single maturity certificates, the interest stops at maturity. Automatically renewable certificates have a 10 day grace period after maturity. If not cashed, the new certificate rate will become the renewed rate. When a certificate is cashed prior to the maturity date, the interest will be paid to the date it is cashed and the customer must refund three months interest for 3 month CD, six months interest for 6-36 month CD, and 12 months interest for 48-60 month CD.
Fees, if applicable, could reduce the earnings on the account.
How does CDARs work?
To learn more, contact Randy Alderman. Sign up today and enjoy the peace of mind associated with access to multi-million-dollar FDIC insurance coverage, along with the time-saving conveniences and other advantages of the CDARS service.
Depositors with more than the standard FDIC insurance maximum of $250,000, no longer have to go to different banks to be covered by Federal deposit insurance.
With the Certificate of Deposit Account Registry Service or CDARS – Bradford National Bank can provide a customer access to multi-million dollar FDIC insurance on CD investments.
 Limits apply. Funds may be submitted for placement only after a depositor enters into a CDARS Deposit Placement Agreement with us. The agreement contains important information and conditions regarding the placement of funds by us.
 When funds are exchanged on a dollar-for-dollar basis with other banks in the network, we can use the full amount of deposits placed through CDARS for local lending, which may satisfy some depositors’ local investment goals/mandates. Alternatively, with a depositor’s consent, we may choose to receive fee income instead of deposits from other banks. Under these circumstances, deposited funds would not be available for local lending.
CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC
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