A certificate of deposit locks in a guaranteed rate on an insured deposit. Pick the term that matches your goal, from 91 days to 60 months, and when it matures, cash it out or roll it into another certificate and keep growing.
Guaranteed return
The rate you open with is the rate you keep for the whole term, on an FDIC-insured deposit.
$500 to open
Every term has the same $500 minimum opening deposit.
Seven terms
91 days to 60 months. Shorter terms keep money close; longer terms reward patience.
Current rates.
Effective 12/16/2025. Rates may change after the account is opened. Fees may reduce earnings.
* Annual Percentage Yield. See all rates, terms and account requirements.
Saving for retirement? The same certificates are available in IRA form. See IRA Certificates of Deposit.
Opening a certificate
Visit any branch with a photo ID and your opening deposit. A Customer Service Representative will walk you through the terms, and an early-withdrawal penalty may apply if you need the money before maturity, so bring your questions. Prefer to think it over first? Try the CD calculator, including a ladder option.
