Direct Deposit

Certificates of Deposit (CDs) – Altoona, PA and Duncansville, PA

from Investment Savings Bank

Certificates of Deposit (CDs) Availability from ISB:

Both fixed rate and variable rate CDs are available.

Liquidity:

  • Variable-rate interest (on 12-month CDs only) is paid quarterly.
  • Fixed-rate interest on CDs is paid according to CD type (either short-term or long-term).
  • Short-term fixed-rate CDs (terms of 7days up to and including 11month terms) pay simple interest at maturity.
  • Long-term fixed-rate CDs (terms of 1 year and greater) either:
    • pay interest semi-annually (on 18-month and 30-month CDs); or
    • pay interest annually (on 1, 2, 3, 4, and 5-year term CDs, as well as on the 25-month term CD).

Benefits:

  • CDs pay a higher rate of interest (compared with Money Market accounts, for instance) in exchange for a set term commitment.
  • The interest earned on a CD can be deposited directly into an ISB checking or savings account, or issued in the form of a monthly check.
  • CDs automatically renew.

Minimum Investment:

Fixed rate minimum to open is $500 (terms from 6 months to 5 years).

Variable rate minimum to open is $1,000 (12-month term).

Insurance:

All funds are insured up to $250,000.00 by FDIC.

Restrictions:

CDs are time-based deposits. A penalty is imposed for early withdrawal prior to the maturity date.

Certificate of Deposit Rates

TermMinimum Balance to Obtain APYInterest RatesAnnual Percentage YieldDisclosure
7-31 Day$2,500.000.25%0.25%Click
91 Day$2,500.000.35%0.35%Click
6 Months$500.000.50%0.50%Click
9 Months$500.000.55%0.55%Click
1 Year$500.000.85%0.85%Click
12 Month Variable Rate$1,000.00 - $9,999.99*0.45%0.45%Click
12 Month Variable Rate$10,000.00 - $24,999.99*0.55%0.55%Click
12 Month Variable Rate$25,000.00 & Up*0.85%0.85%Click
18 Months$500.000.85%0.85%Click
2 Year SPECIAL$500.002.25%2.25%Click
25 Month Double Up$500.000.95%0.95%Click
30 Months$500.00*1.10%1.10%Click
3 Years$500.001.25%1.25%Click
4 Years$500.001.45%1.45%Click
5 Years$500.001.65%1.65%Click

* The rate may change after the account is opened.

*** Penalty for Early Withdrawl ***

Altoona Office
1201 8th Avenue
Altoona, PA 16602
Phone: (814) 944-0843
Fax: (814) 942-6821
Email: click here

Lobby Hours
MON-FRI: 9am - 4:30pm

Drive Up Hours
MON-THU: 8:30am - 5pm
FRI: 8:30am - 6pm
SAT: 9am - 12pm

Holiday Hours

Duncansville Office
201 Patchway Road
Duncansville, PA 16635
Phone: (814) 695-7551
Fax: (814) 695-1369
Email: click here

Lobby Hours
MON-FRI: 9am - 5pm

Drive Up Hours
MON-THU: 9am - 5pm
FRI: 9am - 6pm
SAT: 9am - 12pm

Holiday Hours

After Hours
To report a lost or stolen debit card
after business hours, please call
1-800-554-8969.

To report a lost or stolen credit card
after business hours, please call
1-800-325-3678.

For credit card balance inquiries
after business hours, please call
1-800-299-9842.

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New Year's DayJanuary 1Closed
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Christmas EveDecember 24Closing at Noon
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