Certificates of Deposit Rates

APY = Annual Percentage Yield.

Rates effective as of March 22, 2019.

Certificates of Deposit (CDs)

TermInterest RateAPY
91 Days 0.35% 0.35%
182 Days 0.50% 0.50%
12 Months 0.75% 0.75%
16 Months* 0.75% 0.75%
18 Months 2.71% 2.75%
24 Months 0.85% 0.85%
30 Months 2.96% 3.00%
36 Months 1.98% 2.00%
36 Months Special** 3.44% 3.50%
48 Months 2.23% 2.25%
60 Months 2.62% 2.65%

Certificates of Deposit require a minimum deposit of $500.00 to open. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings. The minimum balance needed to obtain stated APY is $500.00

*Minimum deposit to open is $2500.00. The minimum balance that must be maintained in order to receive the stated APY is $2500.00. Rates are subject to change without notice. 

**3.50% Certificate of Deposit & IRA for 36 mos Disclosure:
*Annual Percentage Yield (APY) is accurate as of 8/1/2018. An initial rate of 3.44% with an 3.50% APY applies only to account holders that deposit new money and establish a new High Interest, Emerald, or Direct Rewards checking account relationship with a $500 direct deposit each statement cycle for the initial CD term. CD is automatically renewed at a rate determined on the maturity date. An interest rate of 1.04% with an APY of 1.05% will apply to all balances if a direct deposit is not received within 60 days of account opening or is discontinued during the initial CD term. Minimum deposit is $500; maximum deposit is $250,000. Penalty may be imposed for early withdrawal.  Other restrictions may apply.  One account per tax ID.  Offer valid on personal accounts only. Rate is subject to change without notice. Fees may reduce earnings.  Promotion may end without notice. Member FDIC.