a) Certificates of Deposit
-- A stable and low risk investment
-- Fixed rate of interest for the term of deposit
-- Deposit terms range from 1 month to 5 years - minimum $2,500
-- Principal and interest automatically renewed for the same term unless you instruct otherwise
-- May be used as collateral for a loan
-- Early withdrawal penalties apply
* A monthly service charge of $10 applies if the average daily balance is below $1,000.
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