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Certificates of Deposit

Why a CD?

Certificates of Deposit (CD) are a simple way of investing your savings. You agree to keep a certain amount of money in an account for a certain amount of time and are rewarded with a higher rate of return than our savings accounts. The chart below shows the different terms and rates of our CDs.

$500-24,999$25,000-49,999$50,000-74,999$75,000-99,999$100,000+
3 Month0.150.150.250.250.35
6 Month0.20.20.30.30.4
12 Month0.30.30.40.40.5
18 Month0.30.30.40.40.5
24 Month0.50.50.60.60.7
30 Month Special**0.550.550.650.650.75
36 Month0.550.550.650.650.75
48 Month0.750.750.850.850.95
60 Month0.850.850.950.951.05

*These rates also apply to the Term Certificates for IRA’s, SEP Plans, and Coverdell Education Savings Accounts. Minimum balance is $500 for Term Certificates.

**Special requires direct payroll deposit, checking account, and active debit card. Call 208-656-1000 for details.

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