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Certificate of Deposit

A Certificate of deposit (CDs) is a savings vehicle that pays a fixed rate of interest rate on money held for an agreed upon term. CDs typically pay higher interest rates than savings and money market accounts given the commitment to keep the funds on deposit. 

Rates are good 5/29/2024 through 6/18/2024

Minimum to open is $500

7 - Month
CD Rate Special

15 - Month2
CD Rate Special
26 - Month2
CD Rate Special
Must have an Optimum Checking Account 4.50% 4.25% 3.50%
No account requirements 4.25% 4.15% 3.40%

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1Annual Percentage Yield (APY) offered to accounts opened May 29, 2024 - June 18, 2024. Minimum to open the CD account and obtain APY is $500. Advertised APY assumes that the principal and interest will remain on deposit for the entire term. Penalty may be imposed for early withdrawal. 2Interest that is not compounded cannot remain on deposit and payout of interest is mandatory.
The Optimum Checking Account offers additional benefits and discounts.