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Protect your investments from market fluctuations. A certificate of deposit (CD) is a risk-free, secure way to save. Simply choose a term to a lock in a fixed rate — that way you’ll know exactly how much you’re earning and when. We offer terms from 30 days to four years to accommodate every type of investor. Get started today with a $500 minimum deposit.

  • Fixed rates, higher than regular savings
  • Receive higher rates by selecting a longer term
  • Learn how much you can earn — view our deposit rates
  • See how soon you'll reach your goal with our CD Calculator
  • Provides more guarantee than other risky investments
  • Set aside for future savings goals
  • A wide range of terms available (from 30 days to 4 years)
  • No setup or maintenance fees
  • Early withdrawals subject to penalty*
  • FDIC insured up to $250,000
  • $500 minimum deposit to open

The best part of a CD is having a fixed rate that won't fluctuate with market changes. But what if the market changes in your favor? Our Rate Watcher CD is designed for savers who carry a high balance and desire rate flexibility in the event that rates increase during a term.

  • Allows you one rate increase during the CD term, should our Rate Watcher rates go up during the same term
  • View our current rates
  • Terms are 15 and 27 months
  • Early withdrawals subject to penalty*
  • $5,000 minimum deposit to open

*Penalty for early withdrawal is 3% of withdrawal amount or $100, whichever is greater.