Certificates of Deposit
Maximize your earnings with competitive rates on a high-yield certificate of deposit.
Get started with as little as $1,000.
3.00% APY1
3.00% APY1
2.50% APY1
Choose a CD term that’s best for your saving timeframe.
Whether you need to save for an event, a large purchase or want to invest to create additional retirement income, we have a variety of CD terms at competitive rates to help you meet your goals.
Key Benefits
- CDs are a safe and secure way to increase your savings rate of return without taking on the risk or volatility of the market.
- The money in your checking, savings, CDs, and money market deposit accounts are protected by FDIC insurance up to $250,000 per depositor, for each account ownership category. Looking for even more coverage? Explore Certificates of Deposit Account Registry Service (CDARS). **
- CDs offer a higher interest rate and APY than most savings accounts or money market accounts, allowing you to earn more money on your deposit.
- CDs have fixed rates and fixed terms, so you can easily estimate how much your money will grow and when you can access it.
- No maintenance fees - so you’re not cutting into your interest earnings. Plus, interest compounds daily to maximize growth.
- Interest can be automatically transferred to your savings, checking or money market account.
| Term Term | Interest Rate Rate | Annual Percentage Yield (APY)1 APY1 |
|---|---|---|
| 3-Month | 2.71% | 2.75% |
| 6-Month | 2.95% | 3.00% |
| 7-Month | 2.95% | 3.00% |
| 9-Month | 2.95% | 3.00% |
| 1-Year | 2.95% | 3.00% |
| 15-Month | 2.47% | 2.50% |
| 18-Month | 2.47% | 2.50% |
| 2-Year | 2.47% | 2.50% |
| 3-Year | 2.47% | 2.50% |
| 5-Year | 2.47% | 2.50% |
See how much you can save with an Apple Bank high-yield CD.
Estimated Interest Earned
Based on
APY1
for a
Term,
your CD could be worth
*This calculator and information are provided as self-help tools and are for illustrative purposes only. Interest Rates and APY are subject to change, and your actual interest earned may vary.
Explore more benefits of an Apple Bank Certificate of Deposit.
Watch your money grow and easily transfer interest from your CD to your savings, checking or money market account.
Rest Easy Knowing Your Money is Secure
The money in your checking, savings, CDs, and money market deposit accounts are protected by FDIC insurance up to $250,000 per depositor, for each account ownership category.
Cover larger CD investments with Certificate of Deposit Account Registry Service.
Have questions? We're here to help.
We have dedicated representatives ready to assist you.
Online Account Opening Help: 800-588-5871
TDD: 800-824-0710
Certificate of Deposit FAQs
Answers to frequently asked questions.
Have the following information on hand when you begin the application:
- Your personal information, including Social Security number, email address, mobile number and other personal information that will help us to identify you
- Driver's license, passport or government-issued ID.
Your information is safe with us. Apple Bank uses Secure Sockets Layer (SSL) technology. This means that when you’re on our website, the data transferred between Apple Bank and you is secure.
No. You’re not required to open any additional accounts when you open a CD. But if you’re looking for a fully liquid product that still allows you to grow your funds, a savings account could be a great option.
When you apply to open a new account, we will ask for your name, address, date of birth, Social Security number, department of motor vehicles license registration number and state, and other information that will allow us to identify you. The information requested may include non-public personal information about you and concern your property, finances or credit. Federal law requires all financial institutions to obtain, verify, and record this information to help fight the funding of terrorism and money laundering activities.
You may also be interested in these resources.
CDs require a $1,000.00 minimum deposit to open. Early withdrawal penalty may apply. Please visit your local branch for more details. Select terms available to open online.
1 Annual Percentage Yield (APY) stated is effective as of June 1, 2026, and may be changed by the Bank at any time. Rate does not apply to IRA and Business CD accounts. CDs require a $1,000.00 minimum deposit to open and earn the stated APY. Early withdrawal penalty may apply.
** Apple Bank participates in the CDARS program offered by IntraFi Network LLC. The program enables investors to access multi-million-dollar FDIC insurance coverage on large CD investments.