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. Additional terms, conditions, and fees may apply.

Current CD Specials

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
Monthly earnings may be added to CD, deposited into another account, or paid out by check
$500 deposit to open
FDIC and DIF insured

A penalty may be imposed for early withdrawal.

Safety and Security. By combining FDIC primary insurance and DIF excess deposit insurance, we are able to provide our depositors full insurance on all deposits, no matter the balance. Visit our FDIC and DIF page for more information.

Get Started with a 12 month CD Today

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Rates

Rates effective January 31st, 2023

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	0.15%	0.15%
6 months	$500	0.15%	0.15%
9 months	$500	3.20%	3.25%
1 year	$500	0.20%	0.20%
18 months	$500	3.45%	3.51%
2 years	$500	3.69%	3.75%
3 years	$500	0.35%	0.35%
4 years	$500	0.35%	0.35%
5 years	$500	0.40%	0.40%
* All rates and annual percentage yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Certificates of Deposit are subject to penalty for early withdrawal of principal. Cannot be combined with any other offers.

Rates effective January 31st, 2023

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

0.15%

APY*

0.15%

Minimum deposit of $500, term of 6 months

What You Get

Interest

0.15%

APY*

0.15%

Minimum deposit of $500, term of 9 months

What You Get

Interest

3.20%

APY*

3.25%

Minimum deposit of $500, term of 1 year

What You Get

Interest

0.20%

APY*

0.20%

Minimum deposit of $500, term of 18 months

What You Get

Interest

3.45%

APY*

3.51%

Minimum deposit of $500, term of 2 years

What You Get

Interest

3.69%

APY*

3.75%

Minimum deposit of $500, term of 3 years

What You Get

Interest

0.35%

APY*

0.35%

Minimum deposit of $500, term of 4 years

What You Get

Interest

0.35%

APY*

0.35%

Minimum deposit of $500, term of 5 years

What You Get

Interest

0.40%

APY*

0.40%

* All rates and annual percentage yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Certificates of Deposit are subject to penalty for early withdrawal of principal. Cannot be combined with any other offers.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). 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.