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CD Rates

Watch your savings grow.   

Enter your zip code to view local account options.

Certificates of Deposit are a guaranteed savings solution

Simply choose the length of time (term) and interest rate you want to earn, deposit your money, then sit back and watch your account grow. 

  • Interest is compounded and credited quarterly for investment terms of 12 months or longer
  • Shorter terms pay at maturity
  • Check out our CD Rates and open an account today

Certificate of Deposit Rates

If no rates are displaying, please enter your zip code in the input field at the top of the page to populate

Term Minimum Opening Balance Annual Percentage Yield Open now
30 Day $500
91 Day $500
182 Day $500
9 Month $500
12 Month $500
13 Month $500
15 Month $500
18 Month $500
19 Month $500
24 Month $500
30 Month $500
36 Month $500
48 Month $500
60 Month $500

What You Need to Know

A fixed interest rate 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 CD 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 Academy Bank account can be used to invest your IRA or ESA.
If this doesn't sound good for you, check out our other savings options on the Compare Personal Savings page. 

Want to run some numbers? Figure out just how much you'll be earning by using our Certificate of Deposit Calculator.  Research the best way to combine CD terms with our CD Ladder Calculator. Create a solid retirement goal with our Retirement Plan Calculator. Lastly learn how to earn that million dollar savings with our Save a Million Financial Calculator

Learn More About Savings with CDs

* Annual Percentage Yield 
1 A penalty may be imposed for early withdrawal. The Annual Percentage Yield (APY) shown is accurate as of . 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