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Business accounting concept, Business man using calculator with computer laptop, budget and loan paper in office.

Certificate of Deposit

Flanagan State Bank offers a risk-free way to grow your funds with a CD, providing a guaranteed return without stock market fluctuations. Simply choose your term, lock in your rate, and enjoy an increase in funds at the end of the term. CDs are FDIC insured up to $250,000.

Rates effective as of 12/23/2024.
*APY = Annual Percentage Yield
**Interest rate is variable and may change after the account is opened.
See account disclosures for additional account information.

PLEASE NOTE:  APY assumes interest remains on deposit.  A withdrawal or fees could reduce earnings.  A penalty will be imposed for early withdrawal.  Rate changes are made at the Bank’s discretion.  Rates are subject to change without notice.

Relationship Special

Available to customers with an active checking account with Flanagan State Bank

Term Minimum Deposit to Open & Obtain APY* Interest Rate APY* Interest Frequency Early Withdrawal Penalty
Term
6 Month
Minimum Deposit to Open & Obtain APY*
$10,000.00
Interest Rate
4.33%
APY*
4.40%
Interest Frequency
3 Months
Early Withdrawal Penalty
91 Days
Large Depositor Special
Term Minimum Deposit to Open & Obtain APY* Interest Rate APY* Interest Frequency Early Withdrawal Penalty
Term
6 Month
Minimum Deposit to Open & Obtain APY*
$50,000.00
Interest Rate
4.09%
APY*
4.15%
Interest Frequency
3 Months
Early Withdrawal Penalty
91 Days
Term
6 Month
Minimum Deposit to Open & Obtain APY*
$100,000.00
Interest Rate
4.19%
APY*
4.26%
Interest Frequency
3 Months
Early Withdrawal Penalty
91 Days
Term
6 Month
Minimum Deposit to Open & Obtain APY*
$250,000.00
Interest Rate
4.33%
APY*
4.40%
Interest Frequency
3 Months
Early Withdrawal Penalty
91 Days
Standard Certificates of Deposit
Term Minimum Deposit to Open & Obtain APY* Interest Rate APY* Interest Frequency Early Withdrawal Penalty
Term
1 Month
Minimum Deposit to Open & Obtain APY*
$50,000.00
Interest Rate
3.65%
APY*
3.70%
Interest Frequency
1 Month
Early Withdrawal Penalty
30 Days
Term
3 Month
Minimum Deposit to Open & Obtain APY*
$5,000.00
Interest Rate
2.43%
APY*
2.45%
Interest Frequency
3 Months
Early Withdrawal Penalty
91 Days
Term
6 Month
Minimum Deposit to Open & Obtain APY*
$1,000.00
Interest Rate
2.08%
APY*
2.10%
Interest Frequency
3 Months
Early Withdrawal Penalty
91 Days
Term
9 Month
Minimum Deposit to Open & Obtain APY*
$5,000.00
Interest Rate
2.15%
APY*
2.17%
Interest Frequency
3 Months
Early Withdrawal Penalty
91 Days
Term
12 Month
Minimum Deposit to Open & Obtain APY*
$500.00
Interest Rate
2.23%
APY*
2.25%
Interest Frequency
3 Months
Early Withdrawal Penalty
91 Days
Term
18 Month
Minimum Deposit to Open & Obtain APY*
$5,000.00
Interest Rate
1.96%
APY*
1.97%
Interest Frequency
3 Months
Early Withdrawal Penalty
182 Days
Term
24 Month
Minimum Deposit to Open & Obtain APY*
$1,000.00
Interest Rate
2.09%
APY*
2.10%
Interest Frequency
6 Months
Early Withdrawal Penalty
182 Days
Term
36 Month
Minimum Deposit to Open & Obtain APY*
$1,000.00
Interest Rate
1.96%
APY*
1.97%
Interest Frequency
6 Months
Early Withdrawal Penalty
365 Days
Term
60 Month
Minimum Deposit to Open & Obtain APY*
$1,000.00
Interest Rate
1.76%
APY*
1.77%
Interest Frequency
6 Months
Early Withdrawal Penalty
365 Days
Benefits of a CD
  • Guaranteed return
  • Longer terms offer higher rates
  • Automatic renewal
  • 10-day grace period after maturity
  • Minimum deposits starting at $500
Is a CD Right for You?

A CD is ideal if you can commit to leaving your balance untouched for the term. If you need more access to your savings, consider other accounts like Kasasa Saver, Personal Savings, or a Money Market Investment Account.

Open a new CD account today!

Set up a new CD account consultation by contacting us or visiting your nearest location!