Certificate of Deposit (CD)

Lock In Your Rate. Grow Your Savings

When you have savings you won’t need right away, a Certificate of Deposit can help you put that money to work. Choose a term that fits your plans and earn a fixed rate for the length of your CD.

With terms ranging from short-term options to longer-term savings, you can choose how long you want to save while knowing what rate you’ll earn along the way.

Benefits of a CD

If you have money set aside that you won’t need for a while, a CD can give it a job to do. You’ll know your rate from the start, avoid the ups and downs of the market, and earn interest while you focus on whatever you’re saving for next.

Lock In Your Rate

Your rate stays fixed for the term of your CD, so you know what your money will earn.

Choose Your Timeline

Select from available CD terms based on when you expect to need your money.

Predictable Earnings

Earn interest at a fixed rate without the ups and downs of the market.

FDIC Insured

Your deposits are insured by the FDIC up to applicable limits.

Why Choose 1st National Bank for Your CD?

Saving for something important deserves more than a one-size-fits-all approach. Our local bankers can help you compare available CD terms and find an option that fits when you’ll need your money.

  • A Range of Terms: Choose from available CD terms to match your savings timeline.
  • Fixed-Rate Options: Choose from available CD terms and lock in your rate for the length of the term.

  • Local Guidance: Talk with a banker who can help you understand your options and choose a term that fits your plans.

Download an Application

View Current CD Rates

See What Your Savings Could Do

A little planning can make a difference. Explore potential CD earnings, see how a CD ladder could help balance access and earning opportunities, or compare how different rates may affect your savings over time.

CD Calculator

Estimate how much interest your savings could earn with a Certificate of Deposit.

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CD Ladder

See how CDs with different maturity dates—often called a CD ladder—can help you structure your savings.

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Compare Savings Rates

Even a small difference in the interest you are paid on your savings can add up over time. Use this calculator to see how different savings rates can impact your savings strategy!

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Important Notice: Links to the interactive calculators and information provided below are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

 

Still have questions about CDs? Let’s talk.

 

$1,000 minimum opening deposit. A penalty may be imposed for early withdrawal. Interest is compounded daily. Fees could reduce earnings on the account. See Deposit Account Disclosures for complete terms and conditions.