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 day0.35%0.35%
91 day0.65%0.65%
6 month0.80%0.80%
9 month special2.00%2.02%
12 month1.14%1.15%
15 month special
2.21%2.23%
22 month special2.37%2.40%
24 month1.39%1.40%
3 year1.49%1.50%
4 year1.69%1.70%
5 year1.88%1.90%
Interest rates current as of December 4, 2018 and subject to change at any time.

Open 12 Month CD

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.

*APY means “Annual Percentage Yield”