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Certificates of Deposit (CD)

If you can spare access to your cash for at least a few months, our Certificates of Deposit (CDs) could be an effective way to earn interest at rates higher than normal savings accounts. Most CDs require a $500 minimum deposit* and are available as both personal and business accounts. You choose a term ranging from three months to six years, and a fixed or variable interest rate†, then sit back and let your money go to work for you.

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APYs for Certificates of Deposit (CDs) and Individual Retirement Arrangements (IRAs) *,‡	Less than $20,000	$20,000 to $99,999.99	$100,000 to $249,999.99	$250,000 to $499,999.99	$500,000 to $999,999.99	$1 million and above
3 Month CD	0.050%	0.100%	0.150%	0.200%	0.250%	0.300%
6 Month CD	0.100%	0.175%	0.250%	0.350%	0.400%	0.500%
12 Month CD/IRA	0.125%	0.200%	0.300%	0.450%	0.500%	0.650%
12 Month Flex CD	0.075%	0.150%	0.250%	0.400%	0.450%	0.600%
18 Month CD	0.200%	0.300%	0.450%	0.600%	0.700%	0.800%
18 Month Variable IRA†, §	0.150%	0.250%	0.400%	0.550%	0.650%	0.750%
24 Month CD/IRA	0.350%	0.425%	0.600%	0.800%	.900%	1.000%
36 Month CD	0.400%	0.475%	0.650%	0.900%	1.000%	1.150%
48 Month CD	0.450%	0.500%	0.675%	0.950%	1.050%	1.200%
60 Month CD/IRA	0.500%	0.525%	0.725%	1.000%	1.100%	1.250%
72 Month CD/IRA	0.550%	0.550%	0.750%	1.050%	1.150%	1.300%

Annual Percentage Yields (APYs) are effective as of 4/9/2020, and are subject to change without notice.

* All CDs except for the 18 Month Variable IRA, which has a $10 minimum opening deposit, have a minimum opening deposit of $500.

^†For variable-rate products, the interest rate and APY may change after account is opened.

^‡ Fees may reduce the earnings on an account. A penalty may be imposed for early withdrawal of certificates.

^§ You may make unlimited deposits to this account until maturity.