Certificate of Deposit

Invest in a CD for 3 months, 8 years, or anywhere in between

Turn your savings into a guaranteed return at the term of your choosing. The interest you earn on a CD can be compounded back into the CD, be credited to another internal account, or sent to another financial institution via ACH.

CD Specials
Effective Date: February 13, 2024
Term Deposit Amount Interest Rate APY*
12 Month

$2,000 to $99,999.99

$100,000 and above

4.90%

5.05%

4.96%

5.11%

18 Month

$2,000 to $99,999.99

$100,000 and above

4.95%

5.10%

5.01%

5.17%

24 Month

$2,000 to $99,999.99

$100,000 and above

4.90%

5.05%

4.96%

5.11%

36 Month

$2,000 to $99,999.99

$100,000 and above

4.75%

4.90%

4.81%

4.96%

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Certificate of Deposit Rates
Effective Date: February 13, 2024
Term Deposit Amount Interest Rate APY*
3 Month

$2,000 to $99,999.99

$100,000 and above

4.25%

4.40%

4.32%

4.47%

6 Month

$2,000 to $99,999.99

$100,000 and above

4.85%

5.00%

4.91%

5.06%

12 Month SPECIAL!

$2,000 to $99,999.99

$100,000 and above

4.90%

5.05%

4.96%

5.11%

18 Month SPECIAL!

$2,000 to $99,999.99

$100,000 and above

4.95%

5.10%

5.01%

5.17%

24 Month SPECIAL!

$2,000 to $99,999.99

$100,000 and above

4.90%

5.05%

4.96%

5.11%

30 Month

$2,000 to $99,999.99

$100,000 and above

4.80%

4.95%

4.86%

5.01%

36 Month SPECIAL!

$2,000 to $99,999.99

$100,000 and above

4.75%

4.90%

4.81%

4.96%

42 Month Step-Up

$2,000 to $99,999.99

$100,000 and above

4.00%

4.150%

4.04%

4.19%

48 Month

$2,000 to $99,999.99

$100,000 and above

4.10%

4.25%

4.14%

4.30%

5 Year

$2,000 to $99,999.99

$100,000 and above

4.05%

4.20%

4.09%

4.24%

6 Year

$2,000 to $99,999.99

$100,000 and above

4.05%

4.15%

4.09%

4.19%

7 Year

$2,000 to $99,999.99

$100,000.000 and above

4.00%

4.10%

4.04%

4.14%

8 Year

$2,000 to $99,999.99

$100,000.000 and above

3.85%

3.95%

3.89%

3.99%

12 Month KIDS CD & 2 Add-Ons

$2,000 and above

To qualify the individual must be 18 years of age or younger

4.854.91

*APY (Annual Percentage Yield). Rates and terms may change without notice. Early withdrawal penalties may apply. Fees may reduce earnings.

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Certificate of Deposit Calculator

All certificates are compounded semi-annually, except 3-month and 11-month certificates.

Calculator is provided as-is solely to estimate potential rates, fees, and costs. Calculator is made available as a self-help tool and examples are hypothetical. Calculator is not intended to provide investment or tax advice. CD calculator is provided as-is solely to estimate potential earnings. Please note that this calculator generates an estimate, and may not represent actual earnings due to input or calculation error.

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FAQ

Once the deposit account opening form is received, it will be forwarded to our Personal Bankers and one of them will call you in 1 to 3 business days to complete the account opening process.

  • Checking, Money Market and Savings Accounts can be funded by ACH, Personal Check, Money Order, or Wire.
    • Will I be charged for the incoming wire?
      • You will not be charged for the first initial incoming wire to fund the account, but any wires after the initial wire, we will be charging an $18.00 fee
  • Certificate of Deposits can be funded by Personal Check, Money Order, or Wire.
    • Will I be charged for the incoming wire?
      • No, you will not be charged for any wire to fund a CD.
    • Will I be charged for the outgoing wire after the CD matures?
      • No, you will not be charged.
    • Can I wire the CD funds to a different bank from what I originally funded the CD with?
      • We only wire back to the bank you originally sent the wire from to fund the CD.

  • Yes, we open “out of state” CD accounts.
  • Unfortunately, we do not open “out of state” IRA/HSA accounts.

The early withdrawal penalty we impose is half of the CD term. (Ex. 48 month CD will have an early withdrawal penalty of 24 months of interest.)  

  • You will receive a CD Renewal Notice plus a “Truth in Savings” (TISA) 30 days prior to maturity.
    • The following terms are important to read on your notice and TISA:
      • There is a 10-day grace period after maturity to either:
        • Roll over to current term
        • Make any changes (withdrawal money or add money)
        • Close CD & open in a new term
        • Close CD to bank money
      • New maturity date of the CD, if you let CD roll over.
      • CD Penalty, if you would close it after the 10-day grace period.