Certificates of Deposit

Certificate of Deposit Terms & Rates

February 1, 2025

CD Special Rates

CD Term	7 Months2,5
Minimum Opening Deposit	$10,000.00
Interest Rate	4.09%
Annual Percentage Yield	4.12%

 

CD Term	17 Months2,6
Minimum Opening Deposit	$10,000.00
Interest Rate	3.51%
Annual Percentage Yield	3.52%

 

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Standard CD Rates

CD Term	30 Days to < 6 Months2
Minimum Opening Deposit	$500.00
Interest Rate	3.30%
APY	3.35%

 

CD Term	6 to < 12 Months2
Minimum Opening Deposit	$500.00
Interest Rate	3.10%
APY	3.12%

 

CD Term	12 to < 24 Months2
Minimum Opening Deposit	$500.00
Interest Rate	2.95%
APY	2.95%

 

CD Term	24 to < 36 Months2
Minimum Opening Deposit	$500.00
Interest Rate	2.90%
APY	2.90%

 

CD Term	36 to < 48 Months2
Minimum Opening Deposit	$500.00
Interest Rate	2.85%
APY	2.85%

 

CD Term	48 to < 60 Months2
Minimum Opening Deposit	$500.00
Interest Rate	2.85%
APY	2.85%

 

CD Term	60 to < 72 Months2
Minimum Opening Deposit	$500.00
Interest Rate	2.85%
APY	2.85%

 

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Reward CD Rates³

CD Term	30 Days to < 6 Months2,3
Minimum Opening Deposit	$500.00
Interest Rate	3.55%
APY	3.61%

 

CD Term	6 to < 12 Months2,3
Minimum Opening Deposit	$500.00
Interest Rate	3.35%
APY	3.38%

 

CD Term	12 to < 24 Months2,3
Minimum Opening Deposit	$500.00
Interest Rate	3.25%
APY	3.25%

 

CD Term	24 to < 36 Months2,3
Minimum Opening Deposit	$500.00
Interest Rate	3.10%
APY	3.10%

 

CD Term	36 to < 48 Months2,3
Minimum Opening Deposit	$500.00
Interest Rate	3.20%
APY	3.20%

 

CD Term	48 to < 60 Months2,3
Minimum Opening Deposit	$500.00
Interest Rate	3.20%
APY	3.20%

 

CD Term	60 to < 72 Months2,3
Minimum Opening Deposit	$500.00
Interest Rate	3.18%
APY	3.18%

²A penalty may be imposed for early withdrawal

³Must have a Reward Checking Account to be eligible for these rates

⁵After seven months, this will automatically renew into the 7-month CD special rate when available.

⁶After seventeen months, this will automatically renew into the 17-month CD special rate when available.

Fees could reduce the earnings on the account
Interest Rates and Annual Percentage Yields are current as of February 1, 2025
For current rate information, call (605) 357-3000

 

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FDIC