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Certificates of Deposit (CDs)

If you want to earn higher interest and can afford to place your money in deposit for set period of time, a Certificate of Deposit (CD) might be for you!

1. GET $200 NOW TO SAVE FOR LATER! For a limited time, Telhio will provide a $200 new certificate bonus* when you invest $15,000 in a CD with terms 18 months or longer!

2. If you're looking to invest more than $100,000, we have a limited-time offer just for you as well - click here to learn more!

CDs earn higher rates of return, but the money deposited must remain in the CD for a specific period of time. At Telhio, we offer CD terms from three months to five years, and the interest rates are commensurate with the length of the term. In a CD, your deposit is secure and insured, and interest is compounded and paid quarterly.

To open a CD, you simply make a minimum deposit and select a term. During the term, your deposit will earn interest, and at the end of the term, or maturity date, you can withdraw your deposit or roll it over for another term through an automatic rollover.

During the term, you may withdraw a portion or all of the principal value of the CD before the maturity date; however you will incur a withdrawal penalty.


Term in Months Deposit Rate APY1 Action
91 Days $500.00 to $10,000.00 0.15% 0.15% Graph Monitor
$10,000.01 to $30,000.00 0.20% 0.20% Graph Monitor
$30,000.01+ 0.25% 0.25% Graph Monitor
6 Month $500.00 to $10,000.00 0.20% 0.20% Graph Monitor
$10,000.01 to $30,000.00 0.25% 0.25% Graph Monitor
$30,000.01+ 0.35% 0.35% Graph Monitor
9 Month $500.00 to $10,000.00 0.25% 0.25% Graph Monitor
$10,000.01 to $30,000.00 0.30% 0.30% Graph Monitor
$30,000.01+ 0.40% 0.40% Graph Monitor
12 Month $500.00 to $10,000.00 0.30% 0.30% Graph Monitor
$10,000.01 to $30,000.00 0.40% 0.40% Graph Monitor
$30,000.01+ 0.50% 0.50% Graph Monitor
18 Month $500.00 to $10,000.00 0.35% 0.35% Graph Monitor
$10,000.01 to $30,000.00 1.00% 1.00% Graph Monitor
$30,000.01+ 1.00% 1.00% Graph Monitor
24 Month $500.00 to $10,000.00 0.55% 0.55% Graph Monitor
$10,000.01 to $30,000.00 1.05% 1.05% Graph Monitor
$30,000.01+ 1.05% 1.05% Graph Monitor
36 Month $500.00 to $10,000.00 0.95% 0.95% Graph Monitor
$10,000.01 to $30,000.00 1.05% 1.05% Graph Monitor
$30,000.01+ 1.20% 1.20% Graph Monitor
48 Month $500.00 to $10,000.00 1.35% 1.36% Graph Monitor
$10,000.01 to $30,000.00 1.45% 1.46% Graph Monitor
$30,000.01+ 1.60% 1.61% Graph Monitor
60 Month $500.00 to $10,000.00 1.75% 1.76% Graph Monitor
$10,000.01 to $30,000.00 1.85% 1.86% Graph Monitor
$30,000.01+ 2.00% 2.02% Graph Monitor
Rates effective Midnight on Tuesday, February 25, 2014
1 APY = Annual Percentage Yield. Fees such as a penalty for early withdrawal on Share CDs may reduce earnings. Minimum of $250.00 required to earn interest on Share Savings. Telhio Savings account (non CD) products are variable rate and the dividend rate for the current quarter is declared at the last monthly Board of Directors meeting of the quarter.

 *Telhio reserves the right to amend or suspend this offer at any time. CD specials applicable to New Money CD purchases only - cannot be applied to current Telhio CDs. $200 cash bonus when you open a CD with a term of 18 months or longer. Bonus will be deposited into savings account at time of opening CD but not available for withdraw until CD has reached its maturity date. LIMITED TO ONE $200 BONUS PER MEMBER. $15,000 minimum deposit. New money only. If CD is closed prior to maturity date cash bonus will be forfeited. This promotion cannot be used in conjunction with any other promotional offer. Telhio may amend or suspend this offer at any time without harm or damage to the member. Cash bonus may be considered income and reported on IRS Form 1099-MISC. 

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