CDs CDs Plan for the future and watch the things that matter most to you grow! Visit a branch near you today to open a business or personal certificate of deposit (CD) account. You can also apply now to open a personal CD account online. For personal CD rates available, see below. Terms APY* 6 Months 0.30% 12 Months (1 Year) 0.40% 24 Months (2 Years) 0.55% 36 Months (3 Years) 1.00% 48 Months (4 Years) 1.15% 60 Months (5 Years) 1.30% Apply Online Click here for important disclosures. *(APY) Annual percentage yield. APY effective as of 02/03/2016. APY subject to change weekly. Minimum Deposit of $2,000 required to open and earn stated APY. Interest on CDs longer than 12 months must be paid out at least annually. Certain restrictions and limitations apply to accounts opened online. Penalty for early withdrawal will apply and may reduce earnings on the account. Unless you instruct us otherwise, the CD will automatically renew for the same term at our Standard CD rates in effect at the time of renewal. Other restrictions may apply.