Certificates of Deposit Rates
Certificates of Deposit |
Account Type |
Opening Deposit |
Minimum Balance1 |
Interest Rate |
Annual Percentage Yield |
|
91 Day |
$1,000 |
$1,000 and above |
1.24% |
1.25% |
Locations |
6 Month |
$1,000 |
$1,000 and above |
1.49%
|
1.50% |
Locations
|
Kids 6 Month2 |
$500 |
$500 and above |
1.39% |
1.40% |
Locations |
Goal Setter 6 Month3 |
$25 |
$25 to $999 |
0.50% |
0.50% |
Locations |
|
|
$1,000 and above |
1.49% |
1.50% |
Locations
|
1 Year |
$1,000 |
$1,000 and above |
1.74% |
1.75% |
Locations |
Kids 1 Year2 |
$500 |
$500 and above |
1.64%
|
1.65% |
Locations |
Goal Setter 1 Year3 |
$25 |
$25 to $999 |
0.60% |
0.60% |
Locations |
|
|
$1,000 and above
|
1.74% |
1.75% |
Locations |
1.5 Year |
$1,000 |
$1,000 and above |
2.23% |
2.25% |
Locations |
18 Month Jump Rate4 |
$1,000 |
$1,000 to $250,000 |
3.68% |
3.75% |
Locations |
|
|
$250,001 and above |
2.23% |
2.25% |
|
2 Year |
$1,000 |
$1,000 and above |
2.47% |
2.50% |
Locations |
Goal Setter 2 Year3 |
$25 |
$25 to $999 |
0.75% |
0.75% |
Locations |
|
|
$1,000 and above |
2.47% |
2.50% |
Locations |
2.5 Year |
$1,000 |
$1,000 and above |
2.71% |
2.75% |
Locations |
3 Year |
$1,000 |
$1,000 and above |
2.96% |
3.00% |
Locations |
4 Year |
$1,000 |
$1,000 and above |
3.20% |
3.25% |
Locations |
5 Year |
$1,000 |
$1,000 and above |
3.44% |
3.50% |
Locations |
Spectrum Select Certificates of Deposit5 |
Account Type |
Opening Deposit |
Minimum Balance1 |
Interest Rate |
Annual Percentage Yield |
|
30 Day |
$10,000 |
$10,000 to $24,999 |
1.49% |
1.50% |
Locations |
|
|
$25,000 and above |
1.49% |
1.50% |
Locations |
4 Month |
$10,000 |
$10,000 and above |
4.31% |
4.40% |
Locations |
11 Month6 |
$10,000 |
$10,000 and above |
3.68% |
3.75% |
Locations |
15 Month6 |
$10,000 |
$10,000 and above |
4.16% |
4.25% |
Locations |
22 Month6 |
$10,000 |
$10,000 and above |
3.92% |
4.00% |
Locations |
|
|
|
|
|
|
Deposit Rates are accurate as of 10/31/2024 and subject to change without notice. Interest is compounded daily and will be credited quarterly. Daily balance is the amount of principal in the account each day.
Certificate of Deposit may be subject to substantial penalty for early withdrawal, includes Retirement Certificates. Contact our Customer Service Center or visit your local branch for further information about applicable fees and terms.
- The minimum balance must be maintained for one year in order to receive the Annual Percentage Yield.
- Minimum deposits of $50 are allowed throughout the term of the CD. Must be titled as a custodian account or joint tenants with rights of survivorship. Primary account owner must be under the age of 21.
- The rate on this CD is tiered and will adjust, as balances change, to the stated tiered rate at the time of account opening.
- Jump Rate CD options include: one rate increase during the CD term to the current 18-Month Jump Rate CD rate, and additional deposits of $1,000 or more into the CD until its maturity date. After account opening future rates may change depending on the rate in effect at the time of bump up. Additional Deposits will not extend the maturity date. The APY is tiered. The APY for each tier is earned on all balances at or below each respective tier. If your balance increases above $250,000, the APY for those tiers will be applied to all balances including the promotional tier.
- Spectrum Select Checking Account required. Minimum Spectrum Select relationship balance of $15,000 excluding the 30 Day CD.
- Includes Retirement Certificates.