Take advantage of some of our best Certificate of Deposit (CD) rates with these limited time CD specials as part of your overall savings strategy.

For CD specials, click on your location below. To view our standard CD rates and other checking and savings account rates, please visit our rates page.

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11-Month
26-
Month
APY with $500 minimum balance 2.00% 2.25%
APY with $15,000 new money or personal checking account
with direct deposit or existing active credit card, or for opening
a new credit card* with a balance transfer of at least $500
2.15% 2.40%
APY with $15,000 new money and personal checking account
with 
direct deposit
2.30% 2.55%
APY with $15,000 new money and existing active credit card, or for
opening a new credit card* with a 
balance transfer of at least $500
2.30% 2.55%
APY with personal checking account with direct deposit and
existing active credit card, or for opening a new credit card*
with a balance transfer of at least $500
2.30% 2.55%
APY with $15,000 new money and personal checking account
with 
direct deposit and existing active credit card, or for opening
a new credit card* with a 
balance transfer of at least $500
2.45% 2.70%

Annual Percentage Yield effective November 1, 2018.

*Subject to approval.

$500 minimum balance to earn APY

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15-Month* 28-Month* 39-Month*

APY with $2,500 minimum balance

1.50% 1.85% 2.25%

APY with 3 banking services or $10,000 new money

1.75% 2.10% 2.50%

APY with 3 banking services and $10,000 new money

2.00% 2.35% 2.75%

Annual Percentage Yield effective November 1, 2018.

* One-time option to make an additional deposit of at least $1,000 and one-time option to raise your rate during the initial term based on the rate offered for the closest annual term. Plus, one-time option to withdraw up to 25% of your CD balance before maturity, but at least six days after account opening, without penalty.

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5-Month* 11-Month 21-Month
APY with $10,000 new money 2.05%

APY with $500 minimum balance
2.10% 2.35%
APY with $500 minimum balance and
personal checking account with
direct deposit

2.30% 2.55%
Annual Percentage Yield effective November 15, 2018.
* Certificate of Deposit has a maximum opening deposit of $249,999.99.

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11-Month
26-
Month
APY with $500 minimum balance 2.00% 2.25%
APY with $15,000 new money or personal checking account
with direct deposit or existing active credit card, or for opening
a new credit card* with a balance transfer of at least $500
2.15% 2.40%
APY with $15,000 new money and personal checking account
with 
direct deposit
2.30% 2.55%
APY with $15,000 new money and existing active credit card, or for
opening a new credit card* with a 
balance transfer of at least $500
2.30% 2.55%
APY with personal checking account with direct deposit and
existing active credit card, or for opening a new credit card*
with a balance transfer of at least $500
2.30% 2.55%
APY with $15,000 new money and personal checking account
with 
direct deposit and existing active credit card, or for opening
a new credit card* with a 
balance transfer of at least $500
2.45% 2.70%

Annual Percentage Yield effective November 1, 2018.

*Subject to approval.

$500 minimum balance to earn APY

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11-Month
26-
Month
APY with $500 minimum balance 2.00% 2.25%
APY with $15,000 new money or personal checking account
with direct deposit or existing active credit card, or for opening
a new credit card* with a balance transfer of at least $500
2.15% 2.40%
APY with $15,000 new money and personal checking account
with 
direct deposit
2.30% 2.55%
APY with $15,000 new money and existing active credit card, or for
opening a new credit card* with a 
balance transfer of at least $500
2.30% 2.55%
APY with personal checking account with direct deposit and
existing active credit card, or for opening a new credit card*
with a balance transfer of at least $500
2.30% 2.55%
APY with $15,000 new money and personal checking account
with 
direct deposit and existing active credit card, or for opening
a new credit card* with a 
balance transfer of at least $500
2.45% 2.70%

Annual Percentage Yield effective November 1, 2018.

*Subject to approval.

$500 minimum balance to earn APY

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11-Month
26-
Month
APY with $500 minimum balance 2.00% 2.25%
APY with $15,000 new money or personal checking account
with direct deposit or existing active credit card, or for opening
a new credit card* with a balance transfer of at least $500
2.15% 2.40%
APY with $15,000 new money and personal checking account
with 
direct deposit
2.30% 2.55%
APY with $15,000 new money and existing active credit card, or for
opening a new credit card* with a 
balance transfer of at least $500
2.30% 2.55%
APY with personal checking account with direct deposit and
existing active credit card, or for opening a new credit card*
with a balance transfer of at least $500
2.30% 2.55%
APY with $15,000 new money and personal checking account
with 
direct deposit and existing active credit card, or for opening
a new credit card* with a 
balance transfer of at least $500
2.45% 2.70%

Annual Percentage Yield effective November 1, 2018.

*Subject to approval.

$500 minimum balance to earn APY

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11-Month 26-Month

APY with $2,500 minimum balance

2.00% 2.25%

APY with $2,500 minimum balance and
personal checking account

2.45% 2.70%

APY with $10,000 new money

2.45% 2.70%

Annual Percentage Yield effective November 1, 2018.

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11-Month 21-Month 31-Month
APY with $2,500 minimum balance 1.75% 2.12% 2.27%
APY with $2,500 minimum balance and a personal
checking account with direct deposit
2.25% 2.62% 2.77%

Annual Percentage Yield effective November 30, 2018.

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11-Month
26-
Month
APY with $500 minimum balance 2.00% 2.25%
APY with $15,000 new money or personal checking account
with direct deposit or existing active credit card, or for opening
a new credit card* with a balance transfer of at least $500
2.15% 2.40%
APY with $15,000 new money and personal checking account
with 
direct deposit
2.30% 2.55%
APY with $15,000 new money and existing active credit card, or for
opening a new credit card* with a 
balance transfer of at least $500
2.30% 2.55%
APY with personal checking account with direct deposit and
existing active credit card, or for opening a new credit card*
with a balance transfer of at least $500
2.30% 2.55%
APY with $15,000 new money and personal checking account
with 
direct deposit and existing active credit card, or for opening
a new credit card* with a 
balance transfer of at least $500
2.45% 2.70%

Annual Percentage Yield effective November 1, 2018.

*Subject to approval.

$500 minimum balance to earn APY

 
 
 
 
 
 
 
 
 
 
 
 
 

Early withdrawal penalties may reduce account earnings. Offers not available on government funds.

New money is money not currently on deposit with Merchants Bank and is required at account opening.