We will be closed on Wednesday, June 19 in observance of Juneteenth. Bank Holidays

Certificate of Deposit (CD)

Maximize Today's Money for Tomorrow's Dreams

Visualize your future. Do you picture white, sandy beaches, traveling with your spouse, or spending time with your grandchildren? Whatever you see in your future, we can ensure you have the financial means to do all of it.

Certificate of Deposit (CD)

A certificate of deposit (CD) is a savings account that holds a fixed amount of money for a fixed period of time, such as six months, twelve months, etc. When you cash in or redeem your CD, you receive the money you originally invested plus any interest. 

  • Minimum of $1,000 to open
  • Terms ranging from 6 to 60 months to help you achieve your unique goals
  • Tiered interest rates- the more you deposit, the greater your return

Open Online See Deposit Rates

Higher Learning Fund

This account helps you save for post secondary education, such as college or a trade program by saving and building the balance through compound interest. The account matures on June 1 of the year the child is expected to graduate from high school.

  • No Minimum to Open
  • Earn Interest* Paid on the daily collected balance. Compounded and paid quarterly.
    One year penalty for early withdrawal. Interest equal to three-year Constant Maturity Treasury Rate as reported in the Wall Street Journal and is subject to change quarterly
  • Ability to make automatic transfers from checking or savings accounts.

*Contact us for interest rates.

IntraFi® CDARSIntraFi CDARS logo

With CDARS, you can enjoy the safety and simplicity that comes with access to multi-million-dollar FDIC insurance from participating network banks through a single bank relationship. When we place your deposit through CDARS, that deposit is divided into amounts under the standard FDIC insurance maximum of $250,000. The funds are then placed into CDs at other network banks. As a result, you can access FDIC coverage from many institutions while working directly with just ours. Receive one statement from our bank detailing all your CDARS placements.

Calculate Your Growth


Our Current CD Rates

6-Month Term**

Comparison table of 6-Month Term**
Tier Balance Interest Rate APY
$1,000–$4,999.99 4.45% 4.50%
$5,000–$24,999.99 4.65% 4.70%
$25,000–$49,999.99 4.75% 4.81%
$50,000 and above 4.85% 4.91%

12-Month Term**

Comparison table of 12-Month Term**
Tier Balance Interest Rate APY
$1,000–$4,999.99 4.40% 4.47%
$5,000–$24,999.99 4.50% 4.58%
$25,000–$49,999.99 4.60% 4.68%
$50,000 and above 4.70% 4.78%

18-Month Term***

Comparison table of 18-Month Term***
Tier Balance Interest Rate APY
$1,000–$4,999.99 4.30% 4.37%
$5,000–$24,999.99 4.40% 4.47%
$25,000–$49,999.99 4.50% 4.58%
$50,000 and above 4.60% 4.68%

24-Month Term***

Comparison table of 24-Month Term***
Tier Balance Interest Rate APY
$1,000–$4,999.99 3.65% 3.70%
$5,000–$24,999.99 3.75% 3.80%
$25,000–$49,999.99 3.85% 3.91%
$50,000 and above 3.90% 3.96%

36-Month Term****

Comparison table of 36-Month Term****
Tier Balance Interest Rate APY
$1,000–$4,999.99 3.45% 3.49%
$5,000–$24,999.99 3.55% 3.60%
$25,000–$49,999.99 3.65% 3.70%
$50,000 and above 3.70% 3.75%

48-Month Term****

Comparison table of 48-Month Term****
Tier Balance Interest Rate APY
$1,000–$4,999.99 3.60% 3.65%
$5,000–$24,999.99 3.70% 3.75%
$25,000–$49,999.99 3.75% 3.80%
$50,000 and above 3.80% 3.85%

60-Month Term****

Comparison table of 60-Month Term****
Tier Balance Interest Rate APY
$1,000–$4,999.99 3.65% 3.70%
$5,000–$24,999.99 3.70% 3.75%
$25,000–$49,999.99 3.80% 3.85%
$50,000 and above 3.85% 3.91%