Certificates of deposit (CDs) with terms of 7 days to 60 months are available with a minimum $500 opening deposit. Interest accrues monthly and is paid at the end of the term or can be credited monthly to another Keystone account.
Our Trade-A-Rate Certificates of Deposit are all about you, providing greater financial flexibility and peace of mind by offering the opportunity to trade up to a higher interest rate should rates increase during the term of your CD.
CDARS is the Certificate of Deposit Account Registry Service. It is an easy and convenient way to access full FDIC insurance on large deposits because it involves one bank, one rate and one statement. Your large deposit is broken into smaller amounts and placed with other banks in the CDARS network. Those banks issue CDs in amounts under the standard FDIC insurance maximum, so that your entire investment is eligible for FDIC insurance. You earn one rate on your entire investment and receive one regular statement listing all of your CDs, along with their issuing banks, maturity dates, interest earned, and other details.