CDs & IRAs

CERTIFICATES OF DEPOSIT

Additional Fees: See Deposit Related Miscellaneous Fees and Charges.
Interest Rate: Contact the Bank.
Annual Percentage Yield: Contact the Bank.
Interest computed on the daily balance.
Interest Compounded monthly, quarterly, semi-annually, annually or at maturity & credited to your account or paid to you monthly, quarterly, semi-annually, annually, at maturity or as Agreed Upon.
Interest begins to accrue on the business day you deposit non-cash items.
Should you receive the interest earned on you Certificate of Deposit prior to maturity by check or a deposit to another account, earnings may be less than the stated Annual Percentage Yield.
If your Certificate is Single Maturity and does not automatically renew, present it promptly at maturity as no interest is payable after the maturity date.
If your Certificate automatically renews, you will have a grace period of 10 days from the maturity date to withdraw your funds without being charged a penalty as shown below. It will renew at the rate in effect at this institution on the date of maturity; which can be determined by calling (318)647-3677 on the day of maturity.

INDIVIDUAL RETIREMENT ACCOUNT (IRA)

Additional Fees: See Deposit Related Miscellaneous Fees and Charges.
Interest Rate: Contact the Bank.
Annual Percentage Yield: Contact the Bank.
Interest computed on the daily balance.
Interest compounded quarterly & credited to your account quarterly.
Interest begins to accrue on the business day you deposit non-cash items.
If you close your account before interest is credited, you will not receive the accrued interest.
Interest Rate and Annual Percentage Yield may change on your account, at any time, at our discretion.