St. Johns Bank and Trust Company CD Early Withdrawal Penalty

St. Johns Bank and Trust Company
CD early withdrawal penalty

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Published terms reviewed; calculation inputs still required

We have reviewed the published terms below. They do not establish every detail needed for a bank-specific dollar calculation, so the estimator requires your own agreement inputs. We do not fill those gaps with assumptions.

What the published disclosure says

7-month promotional CD only

St. Johns Bank & Trust’s 7-month CD promotion specifies a three-month-interest early-withdrawal penalty. The offer requires at least $5,000 of funds not already on deposit at the bank. At maturity, it automatically renews at the posted 6-month rate then available. The general CD table states that early-withdrawal penalties may apply but does not give formulas for the other listed terms.

Limits to check in your own agreement

The deposit-rate page is dated May 18, 2026 and says the promotion can be cancelled without notice. This summary does not claim the offer remains available or that its penalty applies to other St. Johns CDs. Confirm the applicable product, original or renewal agreement, month convention, and principal-reduction treatment.

TFS assisted source review: Aug 31, 2026 · Last source check: Oct 5, 2026 · Read the official source ↗

Need a dollar estimate? Use the terms that apply to your CD in the calculator below. See a worked break-or-hold example first if you are comparing rates.

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Estimate a full principal withdrawal before maturity. Amounts stay in this page and are not sent to TFS. Your institution must confirm eligibility and the final redemption quote.

Enter the terms from your disclosure

These are your inputs, not verified St. Johns Bank and Trust Company terms. This manual model supports simple days/months of interest or all interest earned. Percentage fees, tiered formulas, special minimums, and exceptions need an institution quote.

Penalty formulaPenalty daysInterest year basisCan the penalty reduce principal?

CD principal ($)Contractual annual interest rate (%)Use the interest rate on your CD agreement, not the advertised APY.Interest still on deposit and payable ($)Exclude interest already paid out. Use your institution’s current figure.

Compare holding this CD with reinvesting the proceeds until the same maturity date.I checked that these terms apply to my product, original term, and deposit date. This is a full withdrawal before maturity, outside any special withdrawal window. Any early-holding-period minimum has been accounted for.