Limited-Time Offer — $400 Cash Bonus for Business Savings and $200 Cash Bonus for Personal Savings.
A couple at home on their couch reviewing their personal cd account on a tablet

Personal CD Accounts

A suitable option if you’re able to leave your savings untouched for a set amount of time.

Watch Your Money Grow

A CD is a great savings tool for your long-term financial goals.

When interest rates fluctuate, you can be confident that you have a guaranteed rate of return on the money.

Features and Benefits

No Monthly Maintenance Fees

We don’t charge you to keep your money growing strong.

FDIC Insured2

Your money is insured to the legally allowed maximum.

Online Account Opening and Management

We make the process easy and efficient.

Manage Renewal Preferences Online

We make it easy for you to keep track of maturity dates and renewals.

Automatic Monthly Interest Payment

We’ll make sure you receive the CD’s interest on a regular basis.

Manage Beneficiaries Online

Easily add or update through online banking.

Male at home in kitchen looking at his certificate of deposit account on his laptop

Personal CD Accounts FAQ

The Certificate of Deposit can only be opened online. You may click ‘Get Started’ on the homepage and follow the prompts to begin the quick three-step application. We will ask for your personal information and external bank account information. Your information will be verified electronically. We may request documentation if additional verification is required. Once this information is confirmed, you will enter the amount of your deposit to schedule an ACH transfer from the verified bank account into your new CD account.

You may add a co-owner or beneficiary to the account after completing the funding step of the application.

Individuals must be a United States citizen or Permanent Resident with a valid Social Security Number. People lawfully admitted to the United States on a temporary basis who have DHS authorization to work are not eligible to open an account. We may request supporting documentation for verification.

Currently, the minimum is $2,500 and the maximum is $250,000 per account.

Account Fees:

  • Online Banking Fee: No Charge
  • Monthly Interest Disbursements Fee: No Charge

Early Withdrawal Penalties:

  • Early Principal Withdrawal of a CD with a term less than 24 months: 90 Days of Simple Interest
  • Early Principal Withdrawal of a CD with a term 24 months or greater: 180 Days of Simple Interest

No, we do not offer Trust accounts. You may list your Trust as beneficiary if you wish.

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