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Certificates of Deposit

Get an easy return you can count on, no matter what timeline you’re on.

Earn more by doing less!

With fixed rates over fixed periods of time, CDs are the set-it-and-forget-it sure thing when it comes to your savings. You pick the term, and we take it from there! Whether you’re saving for the short-term or setting yourself up for the future, we’ll help you do it smart while keeping it simple.

8-Month CD Special

Earn up to 4.5% APY*!

Advantages of Certificates of Deposit

Why a CD?

Guaranteed growth, without any of the confusion or constant management.

Higher interest rates

CDs come with big savings rates, so that you can stack your money up faster.

Fixed interest rates

Found a rate that works for you? Lock it in for the full, entire length of your term!

Guaranteed returns

No guessing games. Know exactly how much you’ll make in return right from the start!

Flexible terms

We’re on your timeline! We’ve got you, whether you’ve got a few months or a few years.

No market exposure

Sit back and relax – whatever’s going on with Wall Street, your CD is all good.

Easy to understand

CDs are a simple (but super powerful) savings tool that’s easy to get started with!

Special Certificate of Deposit Rates

Date Updated June 6, 2025

Dividend Rate

APY* as high as

8-Month Special Certificate without Direct Deposit**

4.19%

4.25%

8-Month Special Certificate with Direct Deposit***

4.43%

4.50%

23-Month Special Certificate

3.70%

3.75%

Wire transfer fees up to $50 will be waived. *APY= Annual Percentage Yield. Minimum to open: $100. Fees may reduce earnings; subject to penalty for early withdrawal. Please call (877) 937-2328 for additional rates & terms.

**Initial rate will be set as the default rate for the first two months to allow time for direct deposit connection.

***Accounts will be scanned on the 1st of the month to determine if it qualifies for the elevated rate.

Certificate of Deposit Rates

Date Updated June 18, 2025

Dividend Rate

APY* as high as

180-Day

1.10%

1.10%

1-Year

1.15%

1.16%

2-Year

1.10%

1.10%

3-Year

1.05%

1.05%

4-Year

1.05%

1.05%

5-Year

1.10%

1.10%

*APY= Annual Percentage Yield. APY depends on Member Reward Club status and is subject to change. APY stated above assumes President's Club status. Minimum to open: $100. Fees may reduce earnings; subject to penalty for early withdrawal. Please call (877) 937-2328 for additional rates & terms.

23-Month CD Special

Big growth, low commitment

CERTIFICATES OF DEPOSIT DETAILS

What’s your CD savings stack?

If you’re saving for big dreams, like a big boat, you Belong here! Navigate rough financial waters and reel in bountiful savings with a range of short and long-term CDs tailored to your needs and your dreams at Community Financial.

  • Certificates starting at just $100
  • Short and long-term options that fit your timeline
  • Bonus rates up to .20% on regular certificates

Open a Certificate of Deposit

Open a CD

Frequently Asked Questions

Certificates of Deposit FAQ

If you have any further questions, give our Care Center a call at (877) 937-2328 or stop by one of our branch locations!

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