Ascencia has competitive CD rates, including 1.4% annual percentage yield (APY) for a 1-year term. The CD rate is current as of Dec. 26, 2010. The quoted CD rate is guaranteed for 20 days from the date of the application. Other CD rates at the bank include:
- 1.11% APY for 6 months
- 1.45% APY for 2 years
- 1.5% APY for 3 years
- 1.7% APY for 5 years
You need a minimum deposit of $500 to open a certificate of deposit. The maximum initial deposit is $97,000. Ascencia has the right to limit the amount and number of CDs that can be opened. Interest on CDs compounds monthly and begins accruing when the account is processed and funds are collected. The quoted APY assumes that all interest remains on deposit until the certificate of deposit matures. You cannot put money into a certificate of deposit with credit card convenience checks.
Withdrawing money early from a CD results in a penalty of 91 days interest on the amount withdrawn for terms of 12 months or less and 182 days interest for terms greater than 12 months. Accounts at Louisville, Ky.-based Ascensia are insured by the Federal Deposit Insurance Corp. (FDIC).
- 6 Month CD %
- 1-year CD %
- 2-year CD %
- Money Market Account %
- Savings Account %
- 30-year Fixed Mortgage 3.54 %
Bank rates provided by MoneyRates.com based on average rates for deposits under $10K and conforming mortgage rates
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