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Certificate of Deposit - Bank CD Rates

For customers looking for a safe, long-term investment option, a CD is perfect for saving funds for future purchases.

  • Open your account with a $1,500 minimum opening deposit. 
  • Pay zero maintenance fees every month.
Term Interest Rate APY*
6 MONTH 4.40% 4.50%
9 MONTH 4.40% 4.50%
12 MONTH 4.45% 4.55%
18 MONTH 3.92% 4.00%
24 MONTH 3.68% 3.75%
36 MONTH 2.86% 2.90%
48 MONTH 2.86% 2.90%
60 MONTH 2.86% 2.90%

Certificates of Deposit Facts and Fees

Facts        Fee
Early Withdrawal Penalties
If you cash the CD out earlier than the term limit you agreed to, you’ll incur a penalty fee		        
CD Term Less than 12 months
(3 month CD, 6 month CD, 9 month CD)		 90 days simple interest on the amount withdrawn
CD Term 13 - 35 months
(13 month CD, 24 month CD, 30 month CD)		 180 days simple interest on the amount withdrawn
CD Term 36- 48 months
(36 month CD, 48 month CD)		 180 days simple interest on the amount withdrawn
CD Term 49 - 83 months
(60 month CD)		 180 days simple interest on the amount withdrawn
CD Term 84 months or greater
(84 month CD, 120 month CD)		 180 days simple interest on amount withdrawn
Account Services        
Cashier's Check Fee (customers only)
A check that’s guaranteed by our bank		 $25.00
Non-AAA ATM Usage $3.50 per transaction
Foreign Currency Conversion 2%*
Wire Transfers        
Another way to send money from one account to another        
Wire Transfer Fee (incoming, domestic) $0.00
Wire Transfer Fee (outgoing, domestic) $25.00
Wire Transfer Fee (incoming, international) $0.00
Wire Transfer Fee (outgoing, international) $35.00

*Annual Percentage Yield (APY) is accurate as of 9/27/2024. Interest rates may change at any time without prior notice. Interest rates are fixed until initial maturity after the account is opened. A $1,500 minimum deposit to open the account and obtain the APY is required. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Personal accounts only. Products are offered by Auto Club Trust, FSB, Equal Credit Opportunity Lender.

**We may charge an international service fee equal to 2% of the amount of the transaction on any international transaction, such as a withdrawal from an ATM outside the United States, or an internet purchase from a foreign merchant. This fee applies regardless of whether the transaction occurs in U.S. Dollars