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Own the CD that Typically Grows in Value

Published: 12/14/2016
Published in: About Us

You know long-term CDs pay more than short-term CDs. You also know long-term CDs grow into shorter-terms. Believing these two things is all you need to trust our CDtwo® that typically grows in value as it ages.

Own the CD that typically grows in value - CDtwo®. It works exactly like the investments banks invest in themselves!

Key Features of CDtwo®

  • Guaranteed Fixed Rate to Maturity
  • FDIC Insured
  • Typically Grows in Value as It Ages
  • Redemption Value Available At Any Time


Open a CD... withdraw early... Collect a bonus! When rates drop, our CDtwo® rises.

Some CDs have substantial penalties for early withdrawal, while others claim “no-penalties” but, have you ever heard of a CD that pays you a bonus when you withdraw early?

When rates change, our CDtwo®, a next-generation CD, gives you options - including a bonus when you withdraw early and interest rates have declined. CDtwo® is the same as a traditional CD, except without a standard early withdrawal penalty. Like any other CD, it pays a fixed rate of interest over the life of the deposit. The client can keep his or her money in the account and earn the stated rate to maturity. 

With CDtwo® you get: 
Choices - Terms to maturity can be selected up to 60 months. Hold the CD to maturity or redeem early and collect a possible bonus. 
Stability - CDtwo® is FDIC-insured, which means your principal and interest is protected.
Flexibility - The decision and timing of any early withdrawal is entirely yours. 

Contact The Bank of Tioga to get a full demonstration and take advantage of this great opportunity!

*CDtwo® is a trademark of Stanley Performance Strategies LLC. Penalty for early withdrawal only if interest rates rise. Penalty for the first 7 days is 7 days of interest. After the first 7 days, the penalty/bonus is determined by the Replacement Fee. The Replacement Fee is an estimate of the interest cost to us if we were to replace a CD that is withdrawn early with another deposit having a term that is comparable to the remaining term of the original CD. 36 month - 60 month terms available. If interest rates have risen, then the cost of the new deposit will be higher. If interest rates have fallen, then the cost of the new deposit will be lower. The Bank of Tioga reserves the right to limit deposits to this account.