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Certificates of Deposit: Regular Term
This account is designed for:
You have $1,000 or more to invest and you want to lock in a competitive interest rate.
Highlights and Benefits:
• Interest rates and Annual Percentage Yields (APY) available by phone - 1-888-489-2265 - or at your Harris location
• Comprehensive selection of deposit terms
• Investments start as low as $1,000
• Interest payment options available
Terms of
3 months 2 years
6 months 2½ years
9 months 3 years
1 year 4 years
1½ year 5 years
Interest1 Fixed interest rate. Interest compounded daily and paid at maturity on 3, 6 and 9-month terms. For CDs of one year or longer, interest compounded daily and paid quarterly. Earn higher rate of interest on balances of $5,000 and $100,000.
Minimum deposit2 $1,000
Additional Information Competitive interest rates with the convenience of automatic renewal. Unlimited free access to information about your account by automated telephone or online inquiry. Interest is automatically redeposited to your CD. For CDs of $5,000 or more, interest can be paid by check or credited monthly or quarterly to another account at Harris. Maturity notice sent prior to maturity and confirmation notice sent after renewal.3  Penalty for early withdrawal.4
Click here for information on other fees.

How to Apply:
Apply online
Visit your local Harris office.

Notes:

  1. Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the Ledger Balance in the account each day.
  2. Additional deposits to an existing account: Each CD is treated as a separate account with its own interest rate and maturity. You cannot make additional deposits into an existing CD.
  3. Maturity, Renewal and Grace Period: Unless you have instructed us or we disclosed to you otherwise, your CD will automatically renew at the maturity date into another CD of an equal term at the current interest rate for that term and current balance. CDs of $100,000 or more may not automatically renew. You will have a grace period of ten calender days after the maturity date to withdraw the funds without being charged an early withdrawal penalty. We will send you a pre-maturity reminder and a confirmation of the renewal. Accounts that do not automatically renew will not earn interest after the maturity date.
  4. Early Withdrawal Penalty and Computation Method: When you make a deposit to any of our CD products, you are agreeing to keep the funds on deposit until the stated maturity. We reserve the right to permit withdrawals of principal only upon maturity. If we permit you to make an early withdrawal of principal, you will pay an early withdrawal penalty. The penalty is calculated using the interest rate applicable to the CD at the time of early withdrawal. If the amount of the penalty exceeds the amount of accrued and unpaid interest, then a reduction of principal would be required in order to pay the penalty.
    The penalties for CDs are as follows:
    CDs with terms of 1 month (7-59 days) are charged: Loss of interest
    CDs with terms of 2-11 months (60 days up to and including 364 days) are charged: Loss of 90 days' interest
    CDs with terms of one year or longer are charged: Loss of 180 days' interest.
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Harris® is a trade name used by Harris N.A. and its affiliates. Member FDIC.

Third party web sites may have privacy and security policies different from Harris. Links to other web sites do not imply the endorsement or approval of such web sites. Please review the privacy and security policies of web sites reached through links from Harris web sites.

Brokerage products offered through Harris Investor Services, Inc. registered broker/dealer, member FINRA/SIPC , SEC-registered investment adviser. Insurance and annuities offered through Harris Bancorp Insurance Services, Inc. Harris Investor Services, Inc. and Harris Bancorp Insurance Services, Inc. are affiliates of Harris N.A. and its banking subsidiaries. Products offered are: NOT A DEPOSIT - NOT INSURED BY THE FDIC OR ANY FEDERAL GOVERNMENT AGENCY - NOT GUARANTEED BY ANY BANK - MAY LOSE VALUE.

United States Department of Treasury Regulation Circular 230 requires that we notify you that, with respect to any statements regarding tax matters made herein, including any attachments, (1) nothing herein was intended or written to be used, and cannot be used by you, to avoid tax penalties; and (2) nothing contained herein was intended or written to be used, and cannot be used, or referred to in any marketing or promotional materials. Further, to the extent any tax statement or tax advice is made herein, Harris N.A. does not and will not impose any limitation on disclosure of the tax treatment or tax structure of any transactions to which such tax statement or tax advice relates. Harris N.A.does not provide legal advice to clients. You should review your particular circumstances with your independent legal and tax advisors.