Rates effective as of February 2, 2012

Certificates of Deposit and IRA

	Account Type	APY***	Interest Rate
	7-31 day 32-90 day 91 day 6 month 12 month†† 18 month 24 month†† 30 month 36 month†† 48 month†† 60 month††	.25% .25% .25% .45% .80% 1.00% 1.15% 1.30% 1.45% 1.60% 1.60 %	.25% .25% .25% .45% .80% 1.00% 1.15% 1.29% 1.44% 1.59% 1.59%

$500 Minimum (Also applies to Business Certificates of Deposit)

Choose the desired term and earn a competitive rate of interest

Certificates are issued in amounts of $500.00 or more

Flexible maturities are available from 7 days up to 60 months

Our certificates compound interest daily and can pay monthly, quarterly, semi-annually or annually. Interest may be deposited directly to your Flagler Bank account, added to the principal of the CD or paid by check.

Call (561) 432-2122 for IRA rates
***APY = Annual Percentage Yield

**Early Withdrawal Penalties - A penalty may be imposed for withdrawals before maturity. If your account has an original maturity of less than one year but greater than 31 days, the fee we may impose will equal three month’s interest on the amount withdrawn, subject to penalty. If your account has an original maturity of one year or greater, the fee we may impose will equal six month’s interest on the amount withdrawn, subject to penalty.

†† IRA CD available for this term.

West Palm Beach: 561.432.2122 North Palm Beach: 561.841.3868 Ft. Lauderdale: 954.928.3820
24 Hour Account Information: 866.256.3802 For Lost or Stolen Visa Check Cards: 800.523.4175
Identity Theft Victims
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