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Certificates of Deposit (CDs)

Saving with a CD is a sure thing. You’ll earn a fixed rate for the term you choose, so you’ll know exactly what your return will be.


Key Features


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Fixed Rates
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Competitive Interest
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Wide Range of Terms
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No Setup or Maintenance Fees




All Certificates of Deposit

Rates and *APYs accurate as of January 30, 2024.


Term Minimum Opening Deposit Rate APY*
3 Month $5,000 0.996% 1.00%
6 Month -
***CD SPECIAL
$5000 -
NEW MONEY ONLY
5.150% 5.25%
6 Month $500 1.985% 2.00%
9 Month -
***CD SPECIAL
$5000 -
NEW MONEY ONLY
4.909% 5.00%
9 Month $500 2.231% 2.25%
12 Month $500 2.820% 2.85%
15 Month
$500 2.869% 2.90%
18 Month $500 3.065% 3.10%
24 Month $500 3.211% 3.25%
30 Month $500 3.211% 3.25%
36 Month $500 3.211% 3.25%
48 Month $500 3.211% 3.25%
60 Month $500 3.211% 3.25%
Benefits
  • Guaranteed earnings at a competitive, fixed rate
  • Higher rates than a regular savings account
  • Longer terms earn higher rates
  • Wide range of terms available (3 months to 5 years)
  • No setup or maintenance fees
  • CDs renew automatically upon maturity
  • Early withdrawals subject to penalty**
  • $500 minimum deposit to open ($5,000 minimum for 3-month CDs)










APY* = Annual Percentage Yield.

**Early withdrawals may result in a loss of 3-6 months of interest as a penalty. 3 months interest penalty on CDs with a term of 12 months and under. 6 months interest penalty on CDs with a term of more than 12 months.

***CD SPECIAL: New money only. $5,000 minimum deposit. Public and Institutional funds excluded. Penalty for early withdrawal.

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