Sunflower Bank's Certificate of Deposit account offer a higher rate of interest than a regular savings account and unlike many other investments, CDs feature Federal Deposit Insurance up to $100,000. When the customer purchases a CD, invests a fixed sum of money for fixed period of time  30 days, three months, one year, five years, etc.  and, in exchange, the bank pay interest. When customers cash in or redeem their CD, customers receive the money originally invested plus any accrued interest. But if customers redeem their CD before the CD has matured, they may have to pay an "early withdrawal" penalty or forfeit a portion of the interest earned. The bank offers a variety of CD products, often with limited-time only CD Specials.