Certificates of Deposit
Safe, predictable growth for money you won't need right away — with terms we'll help you match to your goals.
What Is a CD?
A Certificate of Deposit — a CD — is a savings account with a fixed term and a fixed rate. You agree to leave your money untouched for a set period, anywhere from a few months to several years, and in return the bank pays you a guaranteed, higher rate of interest. When the term ends (we call it maturity) you get your original deposit back plus everything it earned.
How It Works
Choose a term and an amount, make your deposit, and lock in your rate. Your money stays put and earns interest until the CD reaches maturity. That's it — no monitoring, no guesswork.
Why It Matters
Because the rate is fixed and your principal is protected, a CD lets you grow savings with zero surprises — ideal for money earmarked for a goal with a known date.
Key Benefits
Why a CD is one of the simplest, safest ways to grow money you can set aside.
Guaranteed Returns
Your rate is locked the day you open, so you know exactly what you'll earn over the full term — no market swings, no second-guessing.
Stability & Safety
CDs are FDIC-insured. Your money is protected up to applicable limits, every single day it's with us.
Higher Rates
Because you commit to a term, CDs typically pay more than a standard savings account. Your patience earns a premium.
Flexible Terms
Choose the term that fits your plans, short or long. Ladder several CDs to balance access and yield over time.
Terms and Structure
Pick the term that fits your timeline. Not sure which? A local banker will walk you through it.
Short-Term Options
Terms from a few months to a year keep your money within reach while still earning more than a savings account.
Long-Term Options
Commit for two to five years to lock in our strongest rates for money you won't need anytime soon.
Fixed Rate
Your rate never changes for the life of the CD: what you're quoted at opening is exactly what you earn.
At Maturity
When your CD matures you have a short grace period to renew, change the term, or withdraw. The choice is yours.
Early Withdrawal
Need your money sooner? A penalty may apply if you withdraw before maturity, so choose a term you're comfortable with.
CD Laddering
Stagger several CDs across different terms so a portion matures regularly, providing steady access plus higher long-term rates.
Ready to Get Started?
Lock in a guaranteed rate today. Talk with a local banker about the CD term that fits your plans.