Certificate of Deposit (CD) - Personal Savings Accounts

Don’t gamble with your savings. Our certificate of deposit products offer guaranteed earnings and the peace of mind that comes with federal insurance. That way, you know your money is safe and bringing in the return you expected, no matter what the market does in the future. We have a variety of terms with excellent fixed rates. Pick the one that fits your needs, then sit back and let the returns flow in.

Click for our promotional CD rates

Why Choose a Certificate of Deposit (CD)?

Fixed rates, guaranteed returns
Terms from 3 months to 5 years available in branch
12 month term available to open online
No setup charges or service fees
Withdraw interest anytime

Penalty for early withdrawal of principal
Monthly earnings may be added to CD, deposited into another account, or paid out by check
$500 deposit to open
FDIC and SIF insured

Get Started with a 12 month CD Today

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Rates

Rates effective April 23rd, 2019

CapeLife Account Customers, add 15 basis points (.15%) to any of our CD offers below. May not be combined with any other offers.

Certificates of Deposit
Duration	Minimum Balance to Earn APY	What you get
Duration	Minimum Balance to Earn APY	Interest Rate	APY*
3 months	$500	0.10%	0.10%
6 months	$500	0.20%	0.20%
1 year	$500	0.40%	0.40%
18 month	$500	0.60%	0.60%
2 years	$500	0.90%	0.90%
3 years	$500	1.00%	1.00%
4 years	$500	1.24%	1.25%
5 years	$500	1.49%	1.50%
36 Month Bump Up**	$500	1.65%	1.66%
* All rates and Annual Percentage Yields (APYs) are accurate as of the above date and are subject to change without notice. The Annual Percentage Yield applies when the required minimum balance is kept on deposit for one year. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with other offers. ** For the 36 Month Bump Up: One time during the 36-month term of this CD, account owner may choose to bump their CD's interest rate to the then-current interest rate being offered by us for 36-month term CDs, and that new interest rate will apply for the remainder of their CD's term. The new Annual Percentage Rate (APY) for their CD will vary based on the interest rate in effect at the time the bump is made. Restrictions apply; see branch representative for details.

Rates effective April 23rd, 2019

CapeLife Account Customers, add 15 basis points (.15%) to any of our CD offers below. May not be combined with any other offers.

Certificates of Deposit

Minimum deposit of $500, term of 3 months

What You Get

Interest

0.10%

APY*

0.10%

Minimum deposit of $500, term of 6 months

What You Get

Interest

0.20%

APY*

0.20%

Minimum deposit of $500, term of 1 year

What You Get

Interest

0.40%

APY*

0.40%

Minimum deposit of $500, term of 18 months

What You Get

Interest

0.60%

APY*

0.60%

Minimum deposit of $500, term of 2 years

What You Get

Interest

0.90%

APY*

0.90%

Minimum deposit of $500, term of 3 years

What You Get

Interest

1.00%

APY*

1.00%

Minimum deposit of $500, term of 4 years

What You Get

Interest

1.24%

APY*

1.25%

Minimum deposit of $500, term of 5 years

What You Get

Interest

1.49%

APY*

1.50%

36 Month Bump Up**
Minimum deposit of $500, term of 36 months

What You Get

Interest

1.65%

APY*

1.66%

* All rates and Annual Percentage Yields (APYs) are accurate as of the above date and are subject to change without notice. The Annual Percentage Yield applies when the required minimum balance is kept on deposit for one year. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with other offers.
** For the 36 Month Bump Up: One time during the 36-month term of this CD, account owner may choose to bump their CD's interest rate to the then-current interest rate being offered by us for 36-month term CDs, and that new interest rate will apply for the remainder of their CD's term. The new Annual Percentage Rate (APY) for their CD will vary based on the interest rate in effect at the time the bump is made. Restrictions apply; see branch representative for details.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Share Insurance Fund (SIF). All deposits are insured in full.

Looking For A Different Personal Savings Account?

We have a variety of options, and we know we have the perfect personal savings account for you.