Personal Banking
Certificate of Deposit
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.

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

TermRateAPY*
30 day0.50%0.50%
91 day0.65%0.65%
6 month0.80%0.80%
7 month CD Special3.93%4.00%
9 month CD Special3.98%4.05%
12 month1.00%1.00%
13 month CD Special4.17%4.25%
24 month1.09%1.10%
3 year1.14%1.15%
4 year1.14%1.15%
5 year1.28%1.29%
Interest rates current as of December 3, 2024 and subject to change at any time.

Open a cd special
Locations

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.