A guaranteed return, with no surprises
A Certificate of Deposit (CD) lets you lock in a fixed rate for a set period. You know exactly what you’ll earn from day one, no matter what happens to interest rates. Choose a term from three months to five years with a minimum deposit of $500.
Many customers build a CD “ladder” – splitting money across several terms so a CD matures regularly – to balance higher rates with regular access to their cash.
CD rates
| Term | APY | Minimum deposit |
|---|---|---|
| 3 months | 3.75% | $500 |
| 6 months | 4.25% | $500 |
| 12 months | 4.60% | $500 |
| 24 months | 4.10% | $500 |
| 60 months | 3.90% | $500 |
Rates as of November 9, 2026. Illustrative demo rates – APY = Annual Percentage Yield.
CD earnings estimator
CD FAQs
Yes, but an early withdrawal penalty applies (90 days of interest for terms under 12 months; 180 days for longer terms).
You have a 10-day grace period to withdraw or change terms before the CD renews automatically.
No. To save more, open an additional CD – many customers do this to build a ladder.
Monthly to the CD, or to your checking account if you prefer.
Important information
- APY assumes interest remains on deposit until maturity. A penalty may be imposed for early withdrawal.
- CDs renew automatically for the same term at the rate in effect at renewal unless you instruct us otherwise during the grace period.