PLUS, **Heritage Club members qualify for a higher rate. Terms apply. Ask how you can join.

Learn more here: https://www.kerndtbrothers.com/personal/personal-savings/certificates-of-deposits.html

*(APY) Annual Percentage Yield current as of 4/1/25 and applicable to 9-month term only. Rate subject to change. $1,000 minimum deposit is required to open a new (CD) Certificate of Deposit. Interest is calculated using the daily balance method. Interest is compounded and credited quarterly. Early withdrawal penalties may apply. Automatically renews into a 12-month CD at the respective rate tier and rate offered at that time **Heritage Club members can earn additional interest on the 9-month CD; terms apply. Ask your banker for details or visit https://www.kerndtbrothers.com/about-us/heritage-travel-club.html.