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 months1,3 | $500 | 4.00% | 4.06% |
| 6 months1,3 | $500 | 3.90% | 3.94% |
| 9 months2,3 | $500 | 3.75% | 3.77% |
| 12 months2,4 | $500 | 3.80% | 3.80% |
* APY is annual percentage yield. Rates are effective as of 09/01/2025 and subject to change at any time.
1Ability to fund throughout the term of the CD. 2A penalty may be imposed for early withdrawal. 3Interest paid at maturity. 4Compounds annually.
SmartStart CD Account - For Kids and Teens2
| Term | Minimum Opening Deposit |
Interest Rate | APY* |
|---|---|---|---|
| 12 months1 | $500 | 3.80% | 3.80% |
* APY is annual percentage yield. Rates are effective as of 09/01/2025 and subject to change at any time. Limited time offer. A penalty may be imposed for early withdrawal. 1Compounds annually. Ability to fund throughout term of CD. Early withdraw penalty is 180 days of interest. 2CD account for minors aged 17 and under. If 13 or older and have a valid government photo ID, a parent or guardian is not required to open the account.
