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Stability in uncertain times: Stearns Bank is the financial institution you can trust.

Branch lobbies temporarily closed - access by appointment only. See drive-up hours on our Locations/ATM page.

Certificates of Deposit (CDs)

A certificate of deposit, or CD, is a safe and secure short-term investment, insured by the FDIC. CDs are a perfect place to deposit funds for a limited time at a guaranteed return. CDs are an important part of a diversified investment strategy for reaching your financial goals.

Terms and Rates

Grow your savings with a Stearns Bank CD:

Certificates of Deposit Minimum Opening
Minimum Balance
to Obtain APY*
Interest Rate APY*
12 months $2,500 $2,500 0.40% 0.40%
24 months $2,500 $2,500 0.50% 0.50%

*APY is Annual Percentage Yield and is subject to change without notice. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Interest rates and APYs are accurate as of May 19, 2020. Member FDIC

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Certificate of Deposit Calculator

Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).
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Enhanced Loan Calculator

Use this calculator to look at a variety of possible loans. Change your monthly payment, loan amount, interest rate or term.
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