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TISA Disclosure for CD Product P12 – PERSONAL 12-MONTH CD
The interest rate and annual percentage yield stated below are accurate as of 03/16/2020. If you would like more current rate and yield information, please call us at (864)364-6130.
This disclosure contains the rules which govern your deposit account. Unless it would be inconsistent to do so, words and phrases used in this disclosure should be construed so that the singular includes the plural and the plural includes the singular.
Fixed Rate – The Interest rate is a fixed rate. The interest rate and annual percentage yield for your account depend upon the applicable rate tier. We will pay these rates until next maturity.
Minimum Balance To Open Account: $500.00
* In this disclosure, Annual Percentage Yield is abbreviated as “APY”.
Compounding and Crediting – Frequency – Interest will be compounded annually. Interest will be credited annually.
Withdrawal of Interest before Maturity – The annual percentage yield assumes that interest remains on deposit until maturity. A withdrawal of interest will reduce earnings.
Effect on Closing an Account – If you close your account before interest is credited, you will receive the accrued interest.
To Obtain the Annual Percentage Yield Disclosed – You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield.
Balance Computation Method – We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of Interest on Noncash Deposits – Interest begins to accrue on the same business day you deposit noncash items (for example, checks).
Maturity Date – Your account will mature twelve months from the date of opening.
Time Deposit Withdrawal Limitations – You may not make withdrawals of principal from your account before maturity. You can only withdraw interest credited in the term before maturity of that term without penalty. Interest can be withdrawn anytime during the term after it is credited to your account.
Early Withdrawal Penalty – A penalty will be imposed for withdrawals before maturity. The penalty will be an amount equal to six months interest on the amount withdrawn.
Additions to Account – You may not make any deposits into your account until maturity.
Renewal Policy – Automatic Renewal: This account will automatically renew at maturity. You will have ten (10) calendar days after the maturity date to withdraw funds without a penalty.
Renewal Terms – Each renewal term will be the same as the original term, beginning on the maturity date.
Renewal Interest Calculation – Interest will be calculated on the same basis as during the original term.
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