Maximize your returns. Greater safety.
Whether you are looking for short-term or long-term investments, SpiritBank’s CDs are safe and reliable, and our competitive interest rates keep your money growing. Which one is right for you?
- Terms available from 30 days to five years
- Minimum opening deposits of $1,000 for terms of over one year
- Minimum opening deposits of $2,500 for terms of one year or under
- Minimum opening deposits of $2,500 on CD specials
- Automatically renewable
Substantial penalty for early withdrawal. Fees may reduce earnings.
Interest Rates for Certificates of Deposit
| Term | Rate | APY* |
|---|---|---|
| 30 day | 0.10% | 0.10% |
| 91 day | 0.40% | 0.40% |
| 6 month | 0.55% | 0.55% |
| 12 month | 0.90% | 0.90% |
| 15 month special | 1.93% | 1.95% |
| 22 month special | 2.13% | 2.15% |
| 24 month | 1.14% | 1.15 % |
| 3 year | 1.24% | 1.25% |
| 4 year | 1.44% | 1.45% |
| 5 year | 1.64% | 1.65% |
| Interest rates current as of August 2, 2018 and subject to change at any time. |
Substantial penalty for early withdrawal of CD. Fees may reduce earnings.
CD Specials have a minimum opening deposit of $2,500.
Terms one year and under have a minimum opening deposit of $2,500.
Terms over one year have a minimum opening deposit of $1,000.
Maximum balance of $240,000 in each CD.
*APY means “Annual Percentage Yield”