Certificates of Deposit

Looking for an alternative to the typical money market or savings account? A Certificate of Deposit (CD) provides a fixed rate for your savings and safeguards against fluctuating rates. With a variety of CD term choices, you can create your own short or long term investment .



  • Fixed rate throughout term
  • Interest is computed daily and paid quarterly (interest is paid at maturity for CDs with a term less than 3 months)
  • Interest penalties imposed for early withdrawal of funds


Your deposits are FDIC insured up to $250,000 per depositor. More FDIC protection may be available by having more than one type of account ownership. For example, individual and joint accounts are insured separately as long as requirements are met, so you can have up to $250,000 in coverage in each account.

Earn Interest:

CD Term Minimum Deposit Interest Rate APY¹
1 month $1,000.00 0.05% 0.05%
2 months $1,000.00 0.05% 0.05%
3 months $1,000.00 0.10% 0.10%
6 months $1,000.00 0.30% 0.30%
8 months $1,000.00 0.30% 0.30%
9 months $1,000.00 0.30% 0.30%
12 months $1,000.00 0.80% 0.80%
18 months $1,000.00 0.80% 0.80%
24 months $1,000.00 1.20% 1.21%
30 months $1,000.00 1.30% 1.31%
32 month option² $1,000.00 1.30% 1.31%
36 Months $1,000.00 1.30% 1.31%
48 months $1,000.00 1.60% 1.61%
60 months $1,000.00 2.00% 2.02%

¹Annual Percentage Yield (APY) is valid as of . These rates may change at any time without prior notice. Interest rates are fixed for the term of the CD. The APY assumes that interest remains on deposit until maturity. Upon maturity if you choose to roll over your CD, you will earn the rate of interest in effect at that time. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.
2Option (bump) CDs offer a one-time rate change. The rate on the certificate will remain fixed for the initial term unless the customer exercises his/her one-time right to change the rate of interest on the original certificate. The term for an option CD remains the same. If the rate increases and the customer exercises his/her right to bump the rate, the new rate will only be in effect for the remainder of the term. We do not notify customers of rate increases and must be monitored by the customer.