Friday, August 22, 2014
Commercial Certificates of Deposits

Certificates of Deposit

Sometimes you need to set aside some money for a specific time period. Maybe it’s a quarterly tax payment or maybe a balloon note payment. There can be a lot of different reasons. But two things are constant: you don’t want the funds to be at risk and you want to earn a high rate of interest.

Certificates of Deposit are a great tool for this type situation. CDs are a secure investment with flexible time commitments with competitive rates. You begin earning simple interest from the first business day of deposit. That interest may be drawn down before maturity without penalty. As with all banking deposits, The FDIC insures these funds. To see how much you could insure, contact your local branch.

There is a penalty for early withdrawal.
Alliance National Bank

Member FDIC

By operation of federal law, beginning January 1, 2013, funds deposited in a non-interest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC).  Beginning January 1, 2013, all of a depositor’s  accounts at an insured depository institution, including all non-interest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.
For more information about FDIC insurance coverage of non-interest-bearing transaction accounts, visit:

To report lost or stolen ATM or Visa Debit Cards call us immediately at:
706-279-1600 or 1-877-461-2265 (toll free)
After hours or weekends call 1-800-500-1044

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