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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 December 17, 2024.


Term Minimum Opening Deposit Rate APY*
3 Month $5,000 4.086% 4.15%
6 Month 
$500
 4.038% 4.10%
9 Month
$500
 3.989% 4.05%
12 Month $500 3.795% 3.85%
15 Month
 $500 3.747% 3.80%
18 Month $500 3.698% 3.75%
24 Month $500 3.649% 3.70%
30 Month $500 3.649% 3.70%
36 Month $500 3.503% 3.55%
48 Month $500 3.357% 3.40%
60 Month $500 3.357% 3.40%
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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