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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 4.16% 4.25% 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  2.47% 2.50% Locations
11 Month6 $10,000 $10,000 and above  3.92% 4.00% Locations
15 Month6 $10,000 $10,000 and above 4.40% 4.50% Locations
22 Month6 $10,000 $10,000 and above 4.16% 4.25% Locations









Deposit Rates are accurate as of 4/18/2024 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.

  1. The minimum balance must be maintained for one year in order to receive the Annual Percentage Yield.
  2. 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.
  3. The rate on this CD is tiered and will adjust, as balances change, to the stated tiered rate at the time of account opening.
  4. 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.
  5. Spectrum Select Checking Account required. Minimum Spectrum Select relationship balance of $50,000 excluding the 30 Day CD.
  6. Includes Retirement Certificates.