Certificates of Deposit (CDs)
CD terms and rates built to hit goals
Need to tuck your money away for a bit, while also earning competitive fixed rates?
CDs can help you achieve more.
Standard CD Terms and Rates
| Term | Minimum Opening Deposit |
Interest Rate | APY* |
|---|---|---|---|
| **3 months1,2,3 | $500 | 3.60% | 3.65% |
| **6 months1,2,3 | $500 | 3.50% | 3.53% |
| 12 months2,4,5 | $500 | 1.75% | 1.75% |
*APY means Annual Percentage Yield. Interest Rates and APYs are current as of 2/13/2026. Rates are subject to change at any time.
**Interest paid at maturity.
1Ability to fund throughout the term of the CD.
2IRA funds are eligible.
3No penalty may be imposed for early withdrawal.
4A penalty may be imposed for early withdrawal.
5Compounds annually.
Stearns Salaam CD Terms and Rates
| Term | Minimum Opening Deposit |
Expected Profit Rate | Expected Annual Percentage Yield* |
|---|---|---|---|
| **3 months1,2,4 | $500 | 3.60% | 3.65% |
| **6 months1,2,4 | $500 | 3.50% | 3.53% |
| 12 months3,5 | $500 | 1.75% | 1.75% |
*Profit Rates and APYs are current as of 2/13/2026. Rates are subject to change at any time.
**Profit paid at maturity. For future details and information regarding the Expected Profit Rate and Discount Price, see Disclosure of Account Terms for Truth in Savings that was provided at account opening. Member FDIC. Equal Housing Lender. Approved Change: 2/13/2026
1Ability to fund throughout the term of the CD.
2No discount may be applied for early withdrawal.
3A discount may be applied for early withdrawal.
4Profit paid at maturity.
5Compounds annually.
Banking That Pays
Checking and savings accounts
Reach your business checking and savings goals faster with simple, smart and rewarding BusinessSmart™ accounts. Earn interest and cash back with the convenience of online and mobile banking.
