If you’re after a higher, guaranteed rate of interest, our CDs are a great choice! Open yours with $2,500 or more, and choose from a wide range of terms — from a few months to several years. You’ll earn the rate that’s in effect when you open your CD across the entire term. Interest accrues daily and is credited semiannually, and you can arrange for your CD to renew automatically at the current interest rate when it matures. Penalties apply for early withdrawals.