Earn a higher rate than a savings account on funds you can set aside for a fixed period of time.
Certificates of Deposit (CDs) are a convenient savings option. Choose from a variety of terms and options with features that include:
- Low minimum deposit to open the account
- Competitive interest rates
- Quarterly compounding interest
- May be eligible for a monthly or quarterly interest check
Contact us today for our most recent rates or to open an account. Our bankers are ready to assist you.
CD Rates
| Account Type | Minimum Deposit to Open Account | Interest Rate | Annual Percentage Yield |
|---|---|---|---|
| 3 Months | $1,000 | 0.15% | 0.15% |
| 6 Months | $1,000 | 2.00% | 2.02% |
| 7 Months SPECIAL |
$1,000 | 3.99% | 4.05% |
| 1 Year | $1,000 | 2.48% | 2.50% |
| 2 Years | $500 | 2.72% | 2.75% |
| 3 Years | $500 | 1.05% | 1.05% |
| 4 Years | $500 | 1.10% | 1.10% |
| 5 Years | $500 | 1.25% | 1.26% |
IRA CD Rates
| Account Type | Minimum Deposit to Open Account | Interest Rate | Annual Percentage Yield |
|---|---|---|---|
| 18 Months | $500.00 | 4.38% | 4.47% |
| 3 Years | $500.00 | 1.05% | 1.05% |
| 5 Years | $500.00 | 1.25% | 1.26% |
| 18 Month Variable Rate1 | $500.00 | 4.44% |
4.53%
|
Rates effective as of December 20th, 2024. Early withdrawal penalties may apply. Fees may reduce earnings.
1The interest rate and annual percentage yield is subject to change after account opening.
Want to calculate the amount of interest you can earn?
Ever want to know how to calculate the amount of interest you can earn on your CD? Calculate your interest with our CD Interest Calculator - enter the rate, balance and term to find out how much you will earn in your CD!
Concerned about liquidity?
Since our Certificate of Deposit accounts have a penalty for early withdrawal, it is important that you plan ahead! One of the strategies our clients have found success with is called CD Laddering. What is CD Laddering? CD Laddering is the practice of staggering maturity dates to ensure you can take advantage of the higher interest rates offered by longer maturities while also ensuring you have funds available when you need them. We offer a convenient calculator to help you plan!