Let it grow!
Certificates of Deposit (CDs) are a low-risk savings option to optimize your investment returns. Take advantage of our competitive rates with several available terms and options. A $1,000 deposit is required to open a regular CD and a $100,000 deposit is required to open a Jumbo CD. Interest is paid quarterly and can be compounded, deposited to a checking or savings account, or paid by check. Withdrawals prior to maturity are subject to an early withdrawal penalty. All CDs are FDIC insured up to $250,000.
Regular CD Terms and Rates
|
Regular CD Types
|
Min. Deposit to Open
|
Min.
Balance to Obtain APY
|
Interest Rate
|
Annual Percentage Yield (APY) |
| Kids Special CD1 |
$250 |
$250 |
Varies1 |
Varies1 |
| 91 Day CD |
$1,000 |
$1,000 |
0.95% |
0.95% |
*SPECIAL*
182 Day CD
|
$1,000
|
$1,000
|
4.00%
|
4.06%
|
| 9 Month CD |
$1,000 |
$1,000 |
1.60% |
1.61% |
|
|
$1,000
|
$1,000
|
3.75%
|
3.80%
|
| 15 Month CD |
$1,000 |
$1,000 |
2.00% |
2.02% |
| 18 Month CD |
$1,000 |
$1,000 |
2.10% |
2.12% |
| 24 month CD |
$1,000
|
$1,000
|
2.25%
|
2.27%
|
| 30 Month CD |
$1,000 |
$1,000 |
2.25% |
2.27% |
| 36 Month CD |
$1,000 |
$1,000 |
3.00% |
3.03% |
| 48 Month CD |
$1,000 |
$1,000 |
3.05% |
3.09% |
| 60 Month CD |
$1,000 |
$1,000 |
3.10% |
3.14% |
Jumbo CD Terms and Rates
|
Jumbo CD Types
|
Min. Deposit to Open
|
Min. Balance to Obtain APY |
Interest Rate
|
Annual Percentage Yield (APY) |
| 91 Day CD |
$100,000 |
$100,000 |
0.95% |
0.95% |
*SPECIAL*
182 Day CD
|
$1,000
|
$1,000
|
4.00%
|
4.06%
|
| 9 Month CD |
$100,000 |
$100,000 |
1.60% |
1.61% |
*SPECIAL*
|
$1,000
|
$1,000
|
3.75%
|
3.80%
|
| 15 Month CD |
$100,000 |
$100,000 |
2.00% |
2.02% |
| 18 Month CD |
$100,000 |
$100,000 |
2.10% |
2.12% |
| 24 Month CD |
$100,000
|
$100,000
|
2.25%
|
2.27%
|
| 30 Month CD |
$100,000 |
$100,000 |
2.25% |
2.27% |
| 36 Month CD |
$100,000 |
$100,000 |
3.00% |
3.03% |
| 48 Month CD |
$100,000 |
$100,000 |
3.05% |
3.09% |
| 60 Month CD |
$100,000 |
$100,000 |
3.10% |
3.14% |
IRA CD Rates
|
IRA CD Types
|
Min. Deposit to Open
|
Min. Balance to Obtain APY |
Interest Rate
|
Annual Percentage Yield (APY) |
| IRA CD |
$10,000 |
$10,000 |
*** |
*** |
1 Up to 12 Month Term | Interest Rate based on term | All subsequent deposits must be in increments of $100 or more.
***IRA COD Rate based on regular COD rate for term selected no brokered deposits will be accepted
APY (Annual Percentage Yield), current as of October 14, 2025 & is subject to change without notice.
Early Withdrawal Penalty Applies. Automatically renewable at normal certificate of deposit rate.
