Certificates of Deposit
Boost your savings with higher returns
A certificate of deposit (CD) can allow you to enjoy higher Annual Percentage Yield (APY), while still having all the security of an FDIC-insured1 savings account. Whether you're looking for short-term growth or a longer commitment, our CDs make it easy to start earning more.
Lock in a great rate today before it's gone!
on a 4-month Promotional CD
Enjoy the flexibility of a shorter term with our 4-month promotional CD, featuring a great rate of 4.00% APY!
on a 10-month Promotional CD
Take advantage of our 10-month promotional CD and enjoy a competitive rate with guaranteed returns!
on a 15-month Flex CD
Experience the convenience of a Flex CD, featuring no penalties for early withdrawals during the first 7 months, followed by 8 months at a fixed rate.
Find the right CD for you
Higher interest = bigger savings
Turbo boost your savings with higher rates, and even bigger earnings.
7 months of early withdrawals, fee-free
Enjoy 7 months with no penalties for early withdrawals, followed by 8 months at a fixed rate4.
Early withdrawals without the fees
Got commitment issues? No problem! Withdraw your money at any time, and pay no penalties.
Long- or short-term savings
Go long, or go short, it’s all good! Open with a low deposit, and get flexible options for long- or short-term savings.
Frequently asked questions
Got questions? We've got answers. And, if you don't find what you're looking for, call ExpressBank at 800-234-6181, or schedule an appointment to visit us at the banking center location nearest you.
There is no monthly fee for CDs.
Depending on your CD, you may be able to withdraw funds early without paying a penalty. Some CDs may charge a fee for early withdrawals. See your Simple Guide for specific details about your CD.
No Penalty CD:
- You may withdraw all your money, including interest earned, without any penalties, any time after the first 7 days following the date you fund your account.
Flex CD:
- Months 0 – 7: You may withdraw all your money, including interest earned, without any penalties, any time after the first 7 days following the date you fund your account.
- Months 8 - 15: Your fee will be $25 plus 3% of the amount withdrawn.
Promotional CD:
- Maturity Period is less than 365 days: Your fee will be $25 plus 1% of the amount withdrawn.
- Maturity Period is 365 days or more: Your fee will be $25 plus 3% of the amount withdrawn.
Standard CD:
- Maturity Period is less than 365 days: Your fee will be $25 plus 1% of the amount withdrawn.
- Maturity Period is 365 days or more: Your fee will be $25 plus 3% of the amount withdrawn.
Please note:
- The amount of your penalty may be deducted from principal.
- Exceptions: We will waive the penalty if your request for withdrawal to close the CD occurs during the grace period, or if the depositor passes away or is judged legally incompetent.
For more information on early withdrawal penalties, please download our Agreements and Disclosures.
We offer very competitive interest rates. View our deposit rates for more information.
You may open select CDs online. All CDs may be opened with an ExpressBanker by calling 800-234-6181, by scheduling an appointment with a banker or by stopping by one of our banking centers today.
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Disclosures
1 The Federal Deposit Insurance Corporation (FDIC) is a US government corporation that insures the money in your accounts up to $250,000. Our CDs, checking accounts, savings accounts, and money market accounts are insured up to the maximum $250,000 per depositor, as allowed by law.
2 The 4.00% Annual Percentage Yield (APY) is effective as of 10/14/2025 and is applicable to 4-month Promotional CDs. A minimum of $1,000 is required to open the account and earn the advertised APY. Penalties may be assessed for early withdrawals. The advertised interest rate is subject to change at any time without notice. Other restrictions may apply.
3 The 3.70% Annual Percentage Yield (APY) is effective as of 10/14/2025 and is applicable to 10-month Promotional CDs. A minimum of $1,000 is required to open the account and earn the advertised APY. Penalties may be assessed for early withdrawals. The advertised interest rate is subject to change at any time without notice. Other restrictions may apply.
4 Flex CD: The 3.25% Annual Percentage Yield (APY) is effective as of 10/14/2025 and is applicable to 15-month Flex CDs. A minimum of $1,000 is required to open the account and earn the advertised APY. Months 0-7: You may withdraw all your money, including interest earned, without any penalties, any time after the first 7 days following the date you fund your account. Months 8-15: Your fee will be $25 plus 3% of the amount withdrawn. The advertised interest rate is subject to change at any time without notice. Other restrictions may apply.