Certificates of Deposit

1.51% APY* 19-MONTH CD
1.36% APY* 13-MONTH CD

A savings solution in which you deposit money for a chosen length of time and rate. Great if you want a guaranteed rate of return on your investment. Interest is compounded and credited quarterly for investment terms of 12 months or longer. Shorter terms pay at maturity.

Daily Rates

Term Minimum
Opening Balance
Percentage Yield
30 Day $500 .35% 
91 Day $500 .40% 
182 Day $500 .50% 
9 Month $500 .60% 
12 Month $500 1.00% 
13 Month $500 1.36% 
15 Month $500 1.10% 
18 Month $500 1.26% 
19 Month $500 1.51% 
24 Month $500 1.31% 
30 Month $500 1.61% 
36 Month $500 1.81% 
48 Month $500 1.91% 
60 Month $500 2.12% 

What You Need to Know

A fixed rate of interest is earned on the entire balance.

A minimum opening balance of $500 is required to obtain the disclosed annual percentage yield.1

There are penalties for withdrawing funds before the set term. The amount depends on the length of the account term.2

  • 7 - 91 Days: 60 days loss of interest
  • 92 - 182 Days: 182 days loss of interest
  • 183 - <60 Months: 1 year loss of interest
  • 60 Months: 2 years loss of interest

This account can be used to invest your IRA or ESA.


An individual retirement account (IRA) can offer tax-deferred growth and even tax savings when used under qualifying circumstances.

You can invest your IRA in a Certificate of Deposit. Choose from Traditional, Roth, and SEP IRA plans for your personal retirement. Or choose a Coverdell education savings account (ESA) to help cover the costs of a child’s higher education.

Visit a branch near you to learn more.

1 A penalty may be imposed for early withdrawal. The Annual Percentage Yield (APY) shown is accurate as of Dec 15, 2017. CD rates are subject to change at any time and are not guaranteed until CD is opened. Fees charged to the account could reduce earnings on the account.

2 Penalty amounts apply to all new CDs/IRAs opened or renewed after September 2015.

FDIC-insured up to the maximum allowed by law