Maximize your returns. Greater safety.
Certificate of Deposit
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.
Click here for our CD calculator to find out how much interest you can earn on a CD. Just enter a few pieces of information – including the rate – and the tool will calculate your annual percentage yield (APY) and ending balance.
Interest Rates for Certificates of Deposit
| Term | Rate | APY* |
|---|---|---|
| 30 day | 0.50% | 0.50% |
| 91 day | 0.65% | 0.65% |
| 6 month | 0.80% | 0.80% |
| 7 month CD Special | 3.88% | 3.95% |
| 9 month CD Special | 3.78% | 3.85% |
| 12 month | 1.00% | 1.00% |
| 13 month CD Special | 3.69% | 3.75% |
| 24 month | 1.09% | 1.10% |
| 3 year | 1.14% | 1.15% |
| 4 year | 1.14% | 1.15% |
| 5 year | 1.28% | 1.29% |
| Interest rates current as of April 2, 2026 and subject to change at any time. |
Substantial penalty for early withdrawal of CD. Fees may reduce earnings.
CD Specials have a minimum $2,500 balance to open and obtain advertised APY.
Terms one year and under have a minimum $2,500 balance to open and obtain advertised APY.
Terms over one year have a minimum $1,000 balance to open and obtain advertised APY.
*APY means “Annual Percentage Yield”
Applicants must be 18 years or older in order to apply for an account.