Certificates of Deposit (CDs)
Certificates of Deposit (CD) help grow your money in a low-risk way
CDs are a great way to earn higher returns on funds you can set aside for a fixed term. Plus, your deposits up to $250,000 per account are insured by the FDIC.
Standard CD Terms and Rates
| Term | Minimum Opening Deposit | Interest Rate | APY* |
|---|---|---|---|
| 9 months** | $500 | 3.75% | 3.77% |
| 12 months | $500 | 3.80% | 3.80% |
| 24 months | $500 | 3.70% | 3.70% |
* APY is annual percentage yield. Rates are effective as of 10/15/2025 and subject to change at any time. A penalty may be imposed for early withdrawal.
** Compounding at maturity.
Contact the bank team today to earn more with guaranteed savings.
Builder Youth CD Terms and Rates – for kids and teens
| Term | Minimum Opening Deposit | Interest Rate | APY* |
|---|---|---|---|
| 12 months1 | $500 | 3.80% | 3.80% |
Contact the bank team today to earn more with guaranteed savings.
* APY is annual percentage yield. Rates are effective as of 10/15/2025 and subject to change at any time. A penalty may be imposed for early withdrawal.
1 Compounds annually. Ability to fund throughout term of CD. Early withdraw penalty is 180 days of interest. 3CD account for minors aged 17 and under. If 13 or older and have a valid government photo ID, a parent or guardian is not required to open the account.