Level up on your savings strategy with a certificate of deposit (CD). With a $2,000 minimum deposit, you can choose your term to start earning a competitive rate — without having to worry about market fluctuations.

  • Competitive, fixed investment rates
  • Earn at a higher rate than our Security Savings account
  • Greater rates on longer term CDs
  • Guaranteed returns for the length of your term
  • Terms range from 30 days to 5 years
  • 10-day post-maturity withdrawal grace period*
  • Early withdrawal penalties apply
  • FDIC insured for your protection
  • $2,000 minimum deposit to open

See how much insurance coverage you can get with the FDIC Electronic Deposit Insurance Estimator.

Step-Up CD

Want to avoid a locked rate when market rates rise? Then our Step-Up CD is ideal for you!

Enjoy the higher rate of a longer term CD — with the same security.* Best of all, avoid the risk of being locked into a fixed rate when market rates rise. Rates may Step Up two times a year, every year of the CD term.

The Step-Up CD is tied to the Fed Funds Rate. We determine the rate on your account by adding .60% for the 3 Year Term or .85% for the 5 Year Term to the top of the target rate for Federal Funds as reflected by the Federal Reserve Bank of New York. Rates may adjust semi-annually on June 30 and December 31.

*APY is the annual percentage yield and is subject to change. APY assumes that interest is compounded semi-annually and stays on deposit until maturity. Withdrawal of interest and/or fees may reduce earnings. Substantial penalty for early withdrawal. $10,000 minimum to open this CD and earn the APY.

*10 days after maturity CDs automatically renew for the same term as the original product at the current interest rate on the date of renewal.