Certificate of Deposit Terms & Rates
April 1, 2025
CD Special Rates
| CD Term | 7 Months2,5 |
| Minimum Opening Deposit | $10,000.00 |
| Interest Rate | 3.85% |
| Annual Percentage Yield | 3.88% |
| CD Term | 17 Months2,6 |
| Minimum Opening Deposit | $10,000.00 |
| Interest Rate | 3.51% |
| Annual Percentage Yield | 3.52% |
Standard CD Rates
| CD Term | 30 Days to < 6 Months2 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 3.30% |
| APY | 3.33-3.35% |
| CD Term | 6 to < 12 Months2 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 3.10% |
| APY | 3.10-3.12% |
| 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% |
Reward CD Rates3
| CD Term | 30 Days to < 6 Months2,3 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 3.55% |
| APY | 3.58-3.61% |
| CD Term | 6 to < 12 Months2,3 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 3.35% |
| APY | 3.35-3.38% |
| 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 April 1, 2025
For current rate information, call (605) 357-3000
Member
FDIC