Certificates of Deposit

Choose your term and watch your savings grow

Certificates of Deposit (CDs) offer a secure, predictable way to grow your money over time—ideal for savings you don’t need right away.

Choose your term and watch your savings grow

Fixed-Rate Certificates of Deposit

Save with certainty

Our certificates of deposit, or CDs, are low-risk investments for money you don’t need for months or even several years.

Guaranteed returns

Lock in your rate for the full term of your CD; get predictable, fixed returns throughout.

Higher earnings

With higher interest rates, most CDs tend to earn more than standard savings accounts 

Ideal for long-term

Ideal for money you can set aside for months or years to maximize your earning potential

Low-risk growth

Earn steady, predictable returns typically higher than savings but less risky than stocks

How certificates of deposit work

Choose a term that fits your timeline

Deposit funds and lock in a rate

$2,000 minimum opening balance

Earn compound interest over time

Access funds at maturity or renew CD

CD Features & Benefits
More Ways to Save Money

CD features & benefits

  • Fixed interest rate applied to your full balance
  • Terms from 6 months to 4 years*
  • Compound interest to help your savings grow faster
  • Automatic renewal options at maturity
  • Customizable terms to match your goals
  • Low-risk savings option for predictable growth
Grow your savings on your terms

Choosing the Right CD Term

  • Short-term (6–12 months) → More flexibility, quicker access
  • Mid-term (1–2 years) → Balance between access and earnings
  • Long-term (3–4 years) → Maximize earning potential

Not sure which term is right for you? A Personal Banker can help you choose based on your timeline and goals.

Two young children smiling and hugging on the floor.
Contact Apply