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Lock in a competitive fixed rate with a Certificate of Deposit.

Select from a range of CD terms that help you grow your savings with steady earnings at a fixed rate:

  • Terms from 1 month to 5 years
  • Minimum opening balance from $1,000 on select CDs
  • Fixed rates for short- and long-term savings goals

What is a Certificate of Deposit?

A Certificate of Deposit (CD) is a savings account that pays a fixed interest rate for a set term. In exchange for leaving your funds on deposit until maturity, you earn a return that is typically higher than a traditional savings account.


Current Certificate of Deposit Rates:

Term Accounts – Certificate of Deposits and Individual Retirement Accounts

Rates effective as of 11/06/2026

Account Type Interest Rate Annual Percentage Yield (APY) Minimum daily balance required to earn advertised APY
1 Month1,2 0.05% 0.05% $1,000
3 Month1,2 0.10%
0.10%		 0.10%
0.10%		 $5,000
$1,000
6 Month1,2 0.15%
0.15%		 0.15%
0.15%		 $5,000
$1,000
1 Year1 0.20%
0.20%		 0.20%
0.20%		 $5,000
$1,000
18 Month1 0.25% 0.25% $5,000
2 Year1 0.25%
0.25%		 0.25%
0.25%		 $5,000
$1,000
3 Year1 0.30%
0.30%		 0.30%
0.30%		 $5,000
$1,000
4 Year1 0.40%
0.40%		 0.40%
0.40%		 $5,000
$1,000
5 Year1 0.50%
0.50%		 0.50%
0.50%		 $5,000
$1,000
1 An early withdrawal penalty may be imposed.
2 Simple interest earned, APY assumes all interest will remain on deposit for one year.
Fees could reduce the earnings on all accounts listed above.

PRIME TIME™ Term Accounts – Certificate of Deposits and Individual Retirement Accounts

Rates effective as of 11/06/2026

Account Type Interest Rate Annual Percentage Yield (APY) Minimum daily balance required to earn advertised APY
3 Month1,2† 0.20% 0.20% $ 1,000 & up
6 Month1,2† 0.25% 0.25% $ 1,000 & up
1 Year1† 0.30% 0.30% $ 1,000 & up
2 Year1† 0.50% 0.50% $ 1,000 & up
3 Year1† 0.55% 0.55% $ 1,000 & up
4 Year1† 0.65% 0.65% $ 1,000 & up
5 Year1† 0.75% 0.75% $ 1,000 & up
1 An early withdrawal penalty may be imposed.
2 Simple interest earned, APY assumes all interest will remain on deposit for one year.
† Customers must maintain a PRIME TIME Checking Account to open a PRIME TIME Money Market Account and/or a PRIME TIME CD and/or PRIME TIME IRA.
Fees could reduce the earnings on all accounts listed above.

Why Choose a CD?

Fixed Rate
Your rate stays the same for the entire team.

Flexible term options
Choose from short- and long term CDs, from 3 months to 5 years.

Low minimum balance options
Select CD terms are avaliable with balance starting at $1,000

Predictaable savings growth
CDs can help you plan ahead with stable earnings and a defined maturity date.

CD vs. Savings Account

A Certificate of Deposit may be a better fit than a traditional savings account if you want:
  • a fixed interest rate
  • predictable returns for a set term
  • a more structured savings timeline
A savings account may be a better choice if you need regular access to your money.

Find the CD term that fits your savings goals

Whether you're saving for a short-term milestone or planning years ahead, our CD options
make it easy to choose a term and rate that works for you.

Open a CD

Certificate of Deposit FAQs

How does a CD work?
You deposit money for a set term and earn a fixed rate until maturity.

What happens if I withdraw money early?
An early withdrawal penalty may apply.

What is APY?
APY stands for Annual Percentage Yield and reflects total annual earnings, including compounding.

What is the minimum deposit for a CD?
Minimum balance requirements vary by term, with some CDs available starting at $1,000.

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