Certificates of Deposit (CDs)
Higher interest rates are good news for your savings. Maximize your deposit earnings with our current CD specials.
4.20% APY*
for 7 months
Earn 4.20% annual percentage yield (APY) on a 7-month certificate of deposit (CD). Minimum deposit of $5,000.
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4.01% APY*
for 12 months
Earn 4.01% annual percentage yield (APY) on a 12-month jumbo certificate of deposit (CD). Minimum $100,000 to open.
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If you’re looking to maximize your savings by planning ahead, Certificates of Deposit (CDs) are a great option. CDs that earn a fixed interest rate for a set period of time make it easy to select the available term that matches your financial
needs and savings goal. Or you can choose a variable rate to take advantage of future rate changes.
Flexible terms ranging from 46 days to 5 years give you the ability to choose a specific maturity date that works around your schedule.
Open in a Branch Open by phone: 800-800-1577
CD Promos
| Term | Interest Rate | APY* | Minimum to Open | Notes |
|---|---|---|---|---|
| 7 months | 3.92% | 4.00% | $5,000 | |
| 30 months with a rate bump | 3.44% | 3.50% | $25,000 | Existing accounts only. You can request a one-time rate bump on your CD to the current 30-month rate at the time of the bump. |
Interest Rates Effective: 12/21/2024
Revised: 12/20/2024
* APY is Annual Percentage Yield. Penalties may be imposed for early withdrawal.
Jumbo CDs
| Term | Interest Rate $100,000 to $249,999.99 | APY* | Interest Rate $250,000+ | APY* | Method of Compounding | Minimum to Open |
|---|---|---|---|---|---|---|
| 6 Months | 3.44% | 3.50% | 3.44% | 3.50% | Daily | $100,000 |
| 12 Months | 3.68% | 3.75% | 3.68% | 3.75% | Daily | $100,000 |
| 18 Months | 3.20% | 3.25% | 3.20% | 3.25% | Daily | $100,000 |
Interest Rates Effective: 12/21/2024
Revised: 12/20/2024
Annual Percentage Yield assumes principal and interest remain on deposit for term at the same interest rate. Penalties may be imposed on early withdrawal. If your Jumbo CD balance falls below $100,000, the account will be closed and incur an early withdrawal penalty. Interest compounds daily.
*APY assumes funds remain on deposit for 1 year.
Fixed CD Rates
| Term | Interest Rate | APY* | Method of Compounding | Minimum to Open/Earn APY |
|---|---|---|---|---|
| 46 Days | 0.05% | 0.05% | Daily | $100 |
| 3 Months | 2.71% | 2.75% | Daily | $100 |
| 6 Months | 2.81% | 2.85% | Daily | $100 |
| 1 Year | 2.91% | 2.95% | Daily | $100 |
| 2 Years | 2.71% | 2.75% | Daily | $100 |
| 3 Years | 2.71% | 2.75% | Daily | $100 |
| 4 Years | 2.47% | 2.50% | Daily | $100 |
| 5 Years | 2.47% | 2.50% | Daily | $100 |
Interest Rates Effective: 12/21/2024
Revised: 12/20/2024
* Annual Percentage Yield (APY) assumes principal and interest remain on deposit for term at the same interest rate. Penalties may be imposed on early withdrawal.
Variable Rate CD
| Account Type | Interest Rate | APY* | Method of Compounding | Minimum to Open/ Earn APY |
|---|---|---|---|---|
| 9 Months | 0.25% | 0.25% | Daily | $25.00 |
Interest Rates Effective: 12/21/2024
Revised: 12/20/2024
Other Account Options
Savings Accounts
Review the options for everyday savings, Money Market, and Certificates of Deposit (CDs).
First Rate Money Market
A tiered account with a higher interest rate on larger deposit amounts.
Checking Accounts
An account that fits you! Review the features available with our checking accounts.
First Savings
Start saving early to grow interest with our First Savings Account! No monthly maintenance fee.