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Home Savings & CDs Fixed Deposits
Fixed Deposits

Lock in your rate.
Guaranteed growth.

CDs give you a fixed interest rate for a set term — your earnings are locked in the moment you open. No market risk, no surprises.

6.80%
Top APY (36-month)
$100
Minimum Deposit
8 Terms
3 – 36 Months
FDIC
Insured up to $250K
Compare CD Terms Open a Fixed Deposit
Current FD Rates

Choose your term

Swipe to see all terms →

Starter FD
3.50%
APY · 3 months
Min: $100
Max: $10,000
Auto-renews at maturity
Open Starter FD
Short Term FD
4.50%
APY · 6 months
Min: $1,000
Max: $50,000
Auto-renews at maturity
Open Short Term FD
POPULAR
Standard FD
5.20%
APY · 12 months
Min: $2,000
Max: $100,000
Auto-renews at maturity
Open Standard FD
Growth FD
5.80%
APY · 18 months
Min: $5,000
Max: $250,000
Auto-renews at maturity
Open Growth FD
Premium FD
6.00%
APY · 24 months
Min: $10,000
Max: $500,000
Auto-renews at maturity
Open Premium FD
Senior Citizen FD
7.20%
APY · 24 months
Min: $1,000
Max: $500,000
Auto-renews at maturity
Open Senior Citizen FD
Elite FD
6.80%
APY · 36 months
Min: $25,000
Max: $1,000,000
Auto-renews at maturity
Open Elite FD
Tax Saver FD
5.50%
APY · 60 months
Min: $500
Max: $150,000
Auto-renews at maturity
Open Tax Saver FD
Full Rate Sheet

All CD terms at a glance

Plan Term APY Min. Deposit Max. Deposit
Starter FD 3 months 3.50% $100 $10,000
Short Term FD 6 months 4.50% $1,000 $50,000
Standard FD Popular 12 months 5.20% $2,000 $100,000
Growth FD 18 months 5.80% $5,000 $250,000
Premium FD 24 months 6.00% $10,000 $500,000
Senior Citizen FD 24 months 7.20% $1,000 $500,000
Elite FD 36 months 6.80% $25,000 $1,000,000
Tax Saver FD 60 months 5.50% $500 $150,000

Rates subject to change without notice. APY assumes interest stays on deposit until maturity.

Growth Projection

Watch your $10,000 grow

4.75% APY (12-mo CD) 5.00% APY (Advantage Savings) 0.46% APY (National Avg)
How CDs Work

A simple, guaranteed way to grow

1
Choose your term

Pick a term that fits your timeline

Select a CD term between 3 and 36 months. Shorter terms offer more flexibility; longer terms generally have competitive rates. The key: don't lock money you'll need before the term ends.

3mo
6mo
12mo
24mo
36mo
Select your term
12 months · 4.75% APY
2
Make your deposit

Fund with as little as $1,000

Transfer funds from your checking or savings account. The deposit is locked for the term — meaning you can't add more, but you won't see the rate change either. Guaranteed.

Your deposit
$10,000
Locked at 4.75% APY for 12 months
3
Earn guaranteed interest

Your rate never changes — no matter what

Unlike a savings account where rates can fluctuate, your CD rate is fixed from day one. Whether the market goes up or down, your return is guaranteed for the full term.

$10,475
After 12 months
+$475 earned
4
At maturity, choose your path

Renew, withdraw, or change course

When your CD matures, you have a 10-day grace period to decide: renew into a new CD, move funds to savings, or withdraw. If you do nothing, it auto-renews at the current rate for the same term.

Renew CD
Move to Savings
Withdraw Funds
CD vs. Savings

Which is right for you?

Feature
Fixed Deposit
Advantage Savings
Current Rate Up to 4.75% APY Up to 5.00% APY
Rate Type Fixed (locked in) Variable (may change)
Access to Funds ⚠ Limited (penalty applies) ✓ Unlimited transfers
Minimum Deposit $1,000 $0
Early Withdrawal ⚠ Penalty applies ✓ No penalty
FDIC Insured ✓ Up to $250,000 ✓ Up to $250,000
Best For Money you won't need soon Emergency fund / ongoing savings
Open a CD Open Savings
FAQs

CD Questions Answered

No. CDs are closed-end accounts — once you make your initial deposit, you cannot add more funds during the term. If you want to invest more, you can open an additional CD.
Early withdrawal is possible but comes with a penalty: 1 month of interest for terms under 6 months, 3 months of interest for 6–12 month terms, 6 months for 12–24 month terms, and 12 months for 36-month terms.
Yes. If you take no action during the 10-day grace period at maturity, your CD will automatically renew for the same term at the current market rate. You'll receive a notification before maturity.
Yes. You can hold a CD inside a Traditional or Roth IRA for tax-advantaged guaranteed growth. Contact us or visit a branch to set up an IRA CD.
Yes. CDs are FDIC-insured deposits and are covered up to $250,000 per depositor, per ownership category — just like savings and checking accounts.
Lock in your rate today

Ready to open a CD?

Rates are subject to change. Lock yours in before they move.

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