Certificates

When you want certainty from your investments, consider our Certificates of Deposit. Choose a savings period, lock in your rate and benefit from secure, consistent growth. You'll always know where your money stands. 




Invest in a CD and know exactly how much money you'll have.

There's a lot to love about CDs. When you have money you can leave untouched, a CD rewards your patience with returns at a competitive interest rate. And there's nothing you need to manage. Deposit your money and know it will grow at that same rate, regardless of changing market conditions. That type of certainty helps you rest easier.  
  • Invest with a $1,000 minimum deposit.
  • Choose from various terms and fixed interest rates.
  • Consider a Premier Growth CD, which lets you waive the higher minimum opening deposit requirement with a $1 opening balance and a monthly automatic transfer from another Bank Independent account.
  • Maximize your savings by keeping your money invested for the full term.1


Term Interest Rate APY2
3 Month 3.21% 3.25%
6 Month 3.21% 3.24%
7 Month 3.41% 3.43%
11 Month 3.31% 3.31%
1 Year 3.65% 3.65%
18 Month 3.01% 3.02%
2 Year 3.75% 3.75%
3 Year 2.01% 2.01%
4 Year 2.01% 2.01%
5 Year 2.01% 2.01%

OPEN ONLINE

ALL Specials


 














Disclosure
Not available to financial institutions or public funds.
 
1 An early withdrawal penalty will apply.

2 Annual Percentage Yield (APY) is effective as of June 3, 2026 and is subject to change at any time. The APY reflects the total amount of interest earned based on the interest rate and frequency of compounding for a 365-day period. $1000 minimum balance required to open the account and to earn the advertised APY.  Not available to financial institutions or public funds. Fees may reduce earnings on account. Limited time offer.