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	0.075%	0.125%	0.160%	0.225%	0.275%	0.325%
6 Month CD	0.100%	0.150%	0.210%	0.300%	0.350%	0.400%
12 Month CD/IRA	0.125%	0.175%	0.250%	0.350%	0.400%	0.475%
12 Month Flex CD	0.075%	0.125%	0.200%	0.300%	0.350%	0.425%
18 Month CD	0.150%	0.225%	0.300%	0.400%	0.450%	0.550%
18 Month Variable IRA†, §	0.100%	0.175%	0.250%	0.350%	0.400%	0.500%
24 Month CD/IRA	0.200%	0.300%	0.350%	0.475%	0.525%	0.625%
36 Month CD	0.250%	0.350%	0.450%	0.550%	0.600%	0.700%
48 Month CD	0.300%	0.400%	0.475%	0.625%	0.700%	0.800%
60 Month CD/IRA	0.400%	0.500%	0.550%	0.700%	0.775%	0.875%
72 Month CD/IRA	0.500%	0.550%	0.600%	0.775%	0.850%	0.950%

Annual Percentage Yields (APYs) are effective as of 2/4/2021, 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.