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CURRENT RATES

CD Rates

Personal CDs

 
Minimum deposit to open and be maintained to obtain APY $2,500
Interest Rate / APY - 6 month term 0.60% / 0.60%
Interest Rate / APY - 7 month term Special 1.98% / 2.00%
Interest Rate / APY - 1 year term 0.90% / 0.90%
Interest Rate / APY - 13 month term Special 2.47% / 2.50%
Interest Rate / APY - 23 month term Special 2.81% / 2.85%
Interest Rate / APY - 2 year term 1.10% / 1.11%
Interest Rate / APY - 30 month term Special 2.62% / 2.65%
Interest Rate / APY - 3 year term 1.20% / 1.21%
Interest Rate / APY - 4 year term 1.35% / 1.36%
Interest Rate / APY - 4 year term Special* 2.81% / 2.85%
Interest Rate / APY - 5 year term 1.50% / 1.51%
Interest Rate / APY - 5 year term Step Up Special

Year 1 = 2.31% / see Year 5 for APY
Year 2 = 2.50% / see Year 5 for APY
Year 3 = 2.75% / see Year 5 for APY
Year 4 = 3.00% / see Year 5 for APY
Year 5 = 4.00% / 2.95%

 

Interest rates and annual percentage yields (APYs) are current as of December 1, 2018. Interest rates and APYs may change at any time at the bank's discretion. Interest is calculated on the daily collected balance and is compounded and credited monthly. Fees may reduce earnings. Refer to our Schedule of Fees for information on other fees that may apply.

If you withdraw funds from a CD within 6 days of initial deposit or within 6 days of the most recent partial withdrawal, you will be subject to a mandatory early withdrawal penalty equal to at least 7 days simple interest on the amount withdrawn, unless federal regulations permit the waiver of this penalty. If you withdraw funds at any other time before CD maturity, a penalty may be imposed for early withdrawal.

CDs automatically renew for the same term, unless otherwise specified in the account disclosure. View the account disclosures here. You have a grace period of 7 calendar days after the CD's maturity date to withdraw the funds or change terms of the account without being charged a penalty.

*Option to "bump-up" interest rate to current 4-year CD rate one time during term. Option for one-time penalty-free withdrawal up to 25% of principal balance.