Don’t gamble with your savings. Our certificates of deposit 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.

Why Choose Certificates of Deposit (CDs)

  • 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

Open An Account


Rates effective December 11th, 2018
CapeLife Account Customers, add 15 basis points (.15%) to any of our CD offers below. May not be combined with any other offers. * 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.