Mature couple hiking

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
1 Year $1,000 $1,000 and above 1.74% 1.75% Locations
1.5 Year $1,000 $1,000 and above 2.23% 2.25% Locations
2 Year  $1,000 $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 2.96% 3.00% Locations
5 Year  $1,000 $1,000 and above  2.96% 3.00% Locations

Spectrum Select Certificates of Deposit2
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  3.63% 3.70% Locations
5 Month $10,000 $10,000 and above 3.92% 4.00% Locations
11 Month3 $10,000 $10,000 and above  3.44% 3.50% Locations
15 Month3 $10,000 $10,000 and above 3.20% 3.25% Locations
22 Month3 $10,000 $10,000 and above 3.20% 3.25% Locations









Deposit Rates are accurate as of 03/05/2026 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. Spectrum Select Checking Account required. Minimum Spectrum Select relationship balance of $15,000 excluding the 30 Day CD.
  3. Includes Retirement Certificates.