Standard CDs and the separate 11-month CD Special
Bluff View Bank’s page gives a general schedule of 90 days of interest for terms shorter than 12 months and 180 days for terms from 12 through 60 months. The same page explicitly assigns a different six-month-interest penalty to its 11-month CD Special. That special renews for 11 months at the rate then offered on the 12-month term. The general footnote says accrued interest is paid on early withdrawal.
Do not apply the general sub-12-month schedule to the named 11-month special: the page supplies different product-specific wording. The rate sheet is dated December 19, 2025, despite the recent fetch. Verify current availability and the customer’s contract; the penalty day/month convention and possible principal loss are not fully established here.
TFS assisted source review: Aug 31, 2026 · Last source check: Aug 31, 2026 · Official source