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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 21, 2025.

Term Minimum Opening Deposit Rate APY*
3 Month $5,000 3.989% 4.05%
6 Month 
$500
 3.989% 4.05%
9 Month
$500
 3.989% 4.05%
12 Month $500 3.844% 3.90%
15 Month
 $500 3.844% 3.90%
18 Month $500 3.795% 3.85%
24 Month $500 3.747% 3.80%
30 Month $500 3.747% 3.80%
36 Month $500 3.601% 3.65%
48 Month $500 3.503% 3.55%
60 Month $500 3.454% 3.50%

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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