Certificates of Deposit (CDs)

Prefer not to gamble with your money? A CD provides a guaranteed way to earn higher rates, free of market fluctuations. Choose your term to start earning.

Base Rate = 4.00% APY

Qualification Add
CD Special 50% New Money (12,18,24 Month CD Only) +0.35%
Loyalty Bonus Active Checking Customer Opened Before 9/1/26 +0.15%

Account Details

Requirements

$500 minimum deposit to open

Service Charge

  • No setup or maintenance fees
  • Early withdrawals subject to penalty*

Interest

  • Fixed rates, higher than regular savings
  • Receive higher rates by selecting a longer term
  • Interest payment methods include:
    • Rolling back into CD
    • Deposit to account
    • Mailed check (depending on length of term)

Other Features

  • Provides more guarantee than other risky investments
  • A wide range of terms available (from 6 months to 5 years)
  • Renews automatically upon maturity after 10-day grace period
  • FDIC insured

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*Early withdrawals may result in the following penalties: 6 months of interest for terms 6 month to 24 month, 12 months of interest for terms 36 month to 48 month, 24 months of interest for a 60 month term and 36 months of interest for a 120 month term. Fees may reduce earnings.

*Annual Percentage Yields (APY) accurate as of 10/26/2026. The minimum balance to open and earn the stated APY on a 12-month, 18-month, or 24-month Certificate of Deposit (CD) is $500.00. The base APY is 4.00%. Customers who deposit at least 50% in new money may receive an additional 0.35% APY bonus. Customers with an eligible checking account opened prior to 9/1/2026 may receive an additional 0.15% APY bonus. Customers who qualify for both bonuses may earn up to 4.50% APY. A penalty may be imposed for early withdrawal. Terms and conditions of this offer are subject to change without notice. Fees may reduce earnings. Limited-time offer. Other restrictions may apply. Individual Retirement Account (IRA) CDs may be subject to additional restrictions; consult a tax advisor for additional information.

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