Personal Banking

Certificate of Deposit




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

TermRateAPY*
30 day0.10%0.10%
91 day0.25%0.25%
6 month0.40%0.40%
12 month0.50%0.50%
24 month0.70%0.70%
3 year0.75%0.75%
4 year0.75%0.75%
5 year0.90%0.90%
Interest rates current as of September 2, 2020 and subject to change at any time.

Locations

Substantial penalty for early withdrawal of CD. Fees may reduce earnings.
CD Specials have a minimum $2,500 balance to open and maintain.
Terms one year and under have a minimum $2,500 balance to open and maintain.
Terms over one year have a minimum $1,000 balance to open and maintain.

Maximum balance of $240,000 in each CD.

CDs opened online have a maximum deposit of $100,000.

*APY means “Annual Percentage Yield”