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Certificates of Deposit (CD)

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.