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 0.20% 0.25% 0.30% 0.40% 0.55% 0.70%
6 Month CD 0.60% 0.70% 0.85% 1.00% 1.15% 1.30%
12 Month CD/IRA 0.85% 0.95% 1.10% 1.25% 1.45% 1.60%
12 Month Flex CD 0.75% 0.85% 1.00% 1.15% 1.35% 1.50%
18 Month CD 1.00% 1.10% 1.20% 1.35% 1.55% 1.70%
18 Month Variable IRA†, § 0.40% 0.45% 0.50% 0.55% 0.60% 1.00%
24 Month CD/IRA 1.25% 1.35% 1.40% 1.50% 1.65% 1.85%
36 Month CD 1.30% 1.40% 1.45% 1.60% 1.75% 2.00%
48 Month CD 1.35% 1.45% 1.50% 1.70% 1.85% 2.10%
60 Month CD/IRA 1.45% 1.55% 1.65% 1.85% 1.95% 2.35%
72 Month CD/IRA 1.45% 1.55% 1.65% 1.85% 1.95% 2.35%

Annual Percentage Yields (APYs) are effective as of 11/12/2019, 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.