Integrity Bank CD Early Withdrawal Penalty

Integrity Bank
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

Certificates of deposit — listed terms and renewal choices

Integrity Bank’s CD disclosure lists a loss of 30 days of interest for its three-month CD, three months of interest for its six-month CD, and six months of interest for the listed one-, two-, four-, and five-year CDs. Early withdrawals are subject to the bank’s discretion. Customers choose automatic renewal before opening; automatically renewing accounts receive 10 days after maturity to withdraw without penalty. A nonrenewed account moves to a non-interest-bearing account.

Limits to check in your own agreement

The schedule applies to the individual terms explicitly listed; it should not be extrapolated to unlisted terms or separate IRA products. The disclosure does not define the penalty’s annual day basis, month conversion, calculation balance, or collection from principal. Confirm the selected renewal option and the actual agreement for the opening or renewal date.

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 Integrity Bank 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.