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 | 0.35% | 0.35% |
| 91 day | 0.65% | 0.65% |
| 6 month | 0.80% | 0.80% |
| 12 month | 1.14% | 1.15% |
| 15 month special | 2.21% | 2.23% |
| 22 month special | 2.37% | 2.40% |
| 24 month | 1.39% | 1.40% |
| 3 year | 1.49% | 1.50% |
| 4 year | 1.69% | 1.70% |
| 5 year | 1.88% | 1.90% |
| Interest rates current as of July 2, 2019 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 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”