Certificate of Deposit - CD

Enjoy the great outdoors while Your CD Builds your Savings!

SECURE YOUR SAVINGS

Lock in competitive rates and watch your savings grow with Profinium's Certificates of Deposit. Our CDs offer fixed returns over a variety of terms, providing a safe and predictable way to enhance your financial future.  If you are a business looking to open a CD, click here to get started.

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4.00% APY

182 Day CD

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3.75% APY

24 Month CD

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3.85% APY

36 Month CD

Calculate your potential earnings with our CD Interest Calculator.

 

Complete list of our current CD rates:


 Minimum Deposit Interest Rate Annual Percentage Yield (APY)
182 Day Certificate of Deposita $500.00 3.96% 4.00%
12 Month Certificate of Deposit/IRAa $500.00 3.75% 3.80%
18 Month Certificate of Deposit/IRAa $500.00 3.60% 3.65%
24 Month Certificate of Deposit/IRAa $500.00 3.70% 3.75%
36 Month Certificate of Deposit/IRAa,b
Bump up feature available for 36-month CD. 
 $500.00 3.80% 3.85%
48 Month Certificate of Deposit/IRAa $500.00 3.70% 3.75%
60 Month Certificate of Deposit/IRAa $500.00 2.97% 3.00%
 

ADDITIONAL DETAILS:

  • Interest rates and Annual Percentage Yields (APY) are accurate as of May 12, 2025.

  • Interest is compounded quarterly on terms of 12 months or longer.

  • Available terms range from 182 days to 60 months (6 months to 5 years).

  • CDs automatically renew upon maturity.

  • Free access to mobile banking and the Money Pro spending app*.

  • 182-Day CD: Interest is paid at maturity.

  • Minimum balance to obtain APY: $0.01.

  • Fees may reduce earnings on the account.

  • Must be of legal age to open a deposit account.

  • For more information, please speak with a Relationship Banker at any of our locations.

Important Notes:

  • a. A penalty may be imposed for early withdrawal.

  • b. On the 36-month bump-up CD, the customer may elect to change the interest rate one (1) time during the original term to the current posted rate at that time.

ONLINE ACCOUNT OPENING DETAILS

To fund your CD online, you’ll complete an ACH transfer (Automated Clearing House) from an existing account at either another financial institution or Profinium.

Please note:

  • Submitting an application does not guarantee account approval.
  • Application time may vary based on internet speed and client information availability.

*Third-party fees for internet, messaging, or data plans may apply.


 

If you are a business looking to open a CD, click here to get started.