chart and graph images

Certificates of Deposit

A Certificate of Deposit offers a guaranteed return on investment where the interest earned is greater than that of a savings account.


CDs are a great product to save when you don’t need access to your cash right away.

Regular CDs

CD Type Minimum Deposit Interest Rate Annual Percentage Yield*
31 Day $1000 0.05% 0.05%
3 Month $1000
0.10%
0.10%
6 Month $1000
0.15% 0.15%
12 Month $1000
0.20% 0.20%
18 Month $1000
0.30%
0.30%
24 Month $1000
0.75% 0.75%
3 year $1000
0..90%
0.90%
5 Year $1000
1.00%
1.00%

Mini CDs


Minimum Deposit
Interest Rate
Annual Percentage Yield*
31 Day $50,000 0.10% 0.10%
3 Month $50,000
0.10%
0.10%
6 Month $50,000
0.20%
0.20%
12 Month $50,000
0.25%
0.25%
18 Month $50,000
0.35%
0.35%
24 Month $50,000
0.80%
0.80%
3 year $50,000
1.00%
1.00%
5 Year $50,000
1.10%
1.10%

Jumbo CDs


 Minimum Deposit Interest Rate  Annual Percentage Yield* 
31 Day $95,000  0.10% 0.10%
3 Month $95,000 
0.10%
0.10%
6 Month $95,000 
0.20%
0.20%
12 Month $95,000 
0.25%
0.25%
18 Month $95,000 
0.35%
0.35%
24 Month $95,000 
0.80%
0.80%
3 year $95,000 
1.00%
1.00%
5 Year $95,000 
1.10%
1.10%
*The Annual Percentage Yield is expressed as an annualized rate, based on a 365-day year, Simple Interest, and is effective only when interest is credited quarterly. All Interest Rates and Annual Percentage Yields are Effective as of 04/01/2021. Call (806) 385-7511 to obtain current and Interest Rate Annual Percentage Yield Information. Rate may change after the account is opened. Fees could reduce earnings on these accounts. Substantial penalty for early withdrawal from Certificates of Deposit Accounts.