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Certificates of Deposit

A guaranteed return, on your timeline

Accses CDs offer fixed rates that never change during your term — ideal for money you will not need right away.

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4.60%APY on a 12-month featured CD

Why customers choose Certificates of Deposit

Fixed rates

Your rate is locked from the day you open the CD.

Flexible terms

Choose from 3, 6, 12, 18, 36 or 60 months.

Low minimum

Open a CD with just $500.

Auto-renewal

Roll over at maturity or move funds to savings — your choice.

Compare your options

Pick the one that fits today — you can switch any time.

6-month CD

4.10%
APY
  • $500 minimum
  • Fixed rate
Choose this option
Most popular

12-month CD

4.60%
APY · Featured
  • $500 minimum
  • Fixed rate
  • Best value
Choose this option

36-month CD

3.90%
APY
  • $500 minimum
  • Fixed rate
Choose this option
Getting started

Up and running in three simple steps

  1. Tell us about yourselfApply online in about 5 minutes with your ID and contact details.
  2. Get a quick decisionMost applications are approved instantly — some take one business day.
  3. Start using your accountLog in to Online Access, add your card to your phone and you’re set.
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Frequently asked questions

Can I withdraw early?

Yes, an early withdrawal penalty applies: 90 days of interest for terms of 12 months or less, 180 days for longer terms.

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Current Accounts

Everyday current (checking) accounts with no hidden fees and a free debit card.

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Savings Accounts

High-yield savings that grow automatically with smart round-ups.

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Debit Cards

Contactless debit cards with real-time alerts and custom controls.

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Have questions? Talk to a specialist.

Schedule an appointmentOpen a CD