Personal Banking comprises consumer loans, mortgages, retail financing (including auto financing), direct/auto-pay options, CDs, MMAs and other financial and credit related products.

A Certificate of Deposit (CD) is a type of savings account that pays higher interest rate than a standard savings account. The deposit is documented by a certificate that specifies the dollar amount, the maturity date and the interest rate. The deposit remains with the bank for a set period of time, ranging from a few weeks to several years. There are normally penalties for early liquidation or withdrawal. CDs are a very low-risk savings vehicle, as they are insured by the Federal Deposit Insurance Corporation (FDIC) up to $100,000. This means that even if the bank goes out of business the depositor can still retrieve their money.

A Money Market Account (MMA) is a type of savings account that pays a higher rate of interest than a traditional savings account. Although MMAs can usually be liquidated at any time without penalty, most have a stipulated number of withdrawals per period, for example, two per month. Money Market Accounts are considered to be very low-risk, as they are insured by the Federal Deposit Insurance Corporation (FDIC) up to $100,000. This means that even if the financial institution goes out of business the depositor can still retrieve their money.