Rates effective as of 10/21/2024.
*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.
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 4.52% | APY* 4.60% | Interest Frequency 3 Months | Early Withdrawal Penalty
91 Days
|
| 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 4.28% | APY* 4.35% | Interest Frequency 3 Months | Early Withdrawal Penalty
91 Days
|
Term 6 Month | Minimum Deposit to Open & Obtain APY* $100,000.00 | Interest Rate 4.38% | APY* 4.45% | Interest Frequency 3 Months | Early Withdrawal Penalty
91 Days
|
Term 6 Month | Minimum Deposit to Open & Obtain APY* $250,000.00 | Interest Rate 4.52% | APY* 4.60% | Interest Frequency 3 Months | Early Withdrawal Penalty
91 Days
|
| 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 3.94% | APY* 4.00% | Interest Frequency 1 Month | Early Withdrawal Penalty
30 Days
|
Term 3 Month | Minimum Deposit to Open & Obtain APY* $5,000.00 | Interest Rate 2.88% | APY* 2.91% | Interest Frequency 3 Months | Early Withdrawal Penalty
91 Days
|
Term 6 Month | Minimum Deposit to Open & Obtain APY* $1,000.00 | Interest Rate 2.09% | APY* 2.11% | Interest Frequency 3 Months | Early Withdrawal Penalty
91 Days
|
Term 9 Month | Minimum Deposit to Open & Obtain APY* $5,000.00 | Interest Rate 2.23% | APY* 2.25% | Interest Frequency 3 Months | Early Withdrawal Penalty
91 Days
|
Term 12 Month | Minimum Deposit to Open & Obtain APY* $500.00 | Interest Rate 2.42% | APY* 2.44% | Interest Frequency 3 Months | Early Withdrawal Penalty
91 Days
|
Term 18 Month | Minimum Deposit to Open & Obtain APY* $5,000.00 | Interest Rate 2.20% | APY* 2.22% | Interest Frequency 3 Months | Early Withdrawal Penalty
182 Days
|
Term 24 Month | Minimum Deposit to Open & Obtain APY* $1,000.00 | Interest Rate 2.20% | APY* 2.21% | Interest Frequency 6 Months | Early Withdrawal Penalty
182 Days
|
Term 36 Month | Minimum Deposit to Open & Obtain APY* $1,000.00 | Interest Rate 1.94% | APY* 1.95% | 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
|
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.
Set up a new CD account consultation by contacting us or visiting your nearest location!
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