Certificate of Deposit "CD" Rates

These rates are current as of August 11, 2026.

Website Rates Last Reviewed: 08-11-2026

TERM                    INTEREST RATE                     APY   

91 DAYS                  2.72 %                                 2.75 %

6 MTH SPECIAL     3.91 %                                 3.95 %

1 YEAR                     3.62 %                                 3.65 %

13 MONTHS           3.47 %                                 3.50 %

18 MONTHS           3.47 %                                  3.50 %

2 YEARS                  3.47 %                                   3.50 %

3 YEARS                  3.42 %                                   3.45 %

4 YEARS                  3.37 %                                   3.40 %

5 YEARS                  3.32 %                                   3.35 %

• The certificate of deposit (CD) Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.
• CD interest is calculated on the daily balance method.  All certificate of deposits APY is based on semi-annual compounding except CD terms of 91 day or less.
• A $500.00 minimum balance is required to open a CD.
• Automatically renewable certificates will renew at maturity. You will have ten (10) business days from the maturity date to withdraw your funds without being charged a penalty. Single maturity certificates will draw no interest after maturity. If any of the deposit is withdrawn before the maturity date, a penalty may be imposed.
• CD rates offered may change at any time.  
• CD specials available to new customers in our community reinvestment area or neighboring counties as well as our existing customers.