• Lock in higher rates!
• Diversify against risk: CDs add stability to your investment portfolio
• Monthly or quarterly transfer of interest to your UmbrellaBank Checking, Money Market or Savings account¹
• Monthly or quarterly interest checks available¹
• Online Account Access²
• Paper certificate issued and mailed to you upon activation of the account

Rates are locked upon funding of the Certificate of Deposit.

1. Interest is posted quarterly or monthly based on the anniversary date of the funding of your account.
2. Online account access will allow you to review your principal balance and interest posted to your account. CD notices will be mailed at maturity.

Note: Initial deposit of $1,000 required on all Certificates of Deposit. Certain fees and/or withdrawals of interest may reduce yields on accounts. There are no fees on this account, but a substantial penalty may be imposed for early withdrawals. UmbrellaBank.com deposit accounts are subject to approval.

Rates current as of, 05/09/2008.  Interest rates subject to change at UmbrellaBank's discretion.  Your rate is determined as of the day we receive your funds to open your account, not the day your application is submitted to us.