Grow Your Savings with a Fixed-Term CD
A Certificate of Deposit (CD) is a simple way to potentially earn a higher rate on your savings while committing your funds for a set period of time. In exchange for keeping your money deposited for the selected term, you can enjoy a fixed rate for the duration of the certificate.
Our Personal CDs earn interest daily and offer a variety of terms to help you choose an option that aligns with your savings goals. When your CD matures, you can renew it for another term or transfer the funds to your Checking, Savings, Additional Savings, or Money Market Account.
CD Features & Benefits
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Flexible terms: Choose from 6-, 12 or 18 month terms.
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Maturity notifications: Receive a notice 30 days before your CD maturity date.
CD laddering: Build a CD ladder to help diversify your maturity dates and balance long-term growth with periodic access to your funds.
Certificates of Deposit (CD) Laddering
What is CD laddering?
CD laddering is a smart strategy that spreads your savings across multiple Certificates of Deposit (CDs) with staggered maturity dates. Instead of locking all your money into one long-term CD, you build a “ladder” that gives you regular access to your funds while earning competitive rates.
It is important to note that withdrawing CDs early before they mature is often likely to result in both interest that may be lost and fees that may be charged to the CD holder. Ideally, a CD is for funds that do not need to be available for a period of time ranging from several months to a few years.