6-Month CD 2.00 % APY* 12-Month CD 2.35 % APY* Grow your savings with a guaranteed rate of return. Our 6-Month and 12-Month CDs offer competitive rates along with the kind of customer service only a community bank can provide. Online account access $250 minimum to open Deposits are insured in full Competitive fixed rate for 6 or 12 month CDs OPEN A 6-Month CD NOW OPEN A 12-Month CD NOW *Annual Percentage Yield (APY) accurate as of 4/19/19 and is subject to change without notice. The minimum deposit required to open a 6-month CD or 12-month CD is $250. The APY applies when a $10 minimum balance and interest is kept on deposit for one year. APY assumes interest earned in account compounds. Certificates of Deposit are subject to penalty for early withdrawal. Fees on your account could reduce earnings.