Personal Banking

CD Accounts – Certificates of Deposit

Earn More. Live More. Great Rate CDs.

CS’s commitment to community means having the communities we serve best interests at heart. That starts with providing products that help you earn more so you can live more. With a CS Certificate of Deposit (CD) enjoy high, fixed interest rates, a variety of deposit terms, and no monthly service fees. Open your CS CD today!

The Benefits of a CS Certificate of Deposit


  • Earn higher interest rates than regular savings
  • Guaranteed returns
  • Fixed rates during length of term
  • Available in terms from 6 months to 4 years
  • The longer the term, the higher the rate
  • Penalty for early withdrawal
  • FDIC-insured for peace of mind
  • $1,000 minimum deposit to open

Certificate of Deposit Account Registry Service (CDARS)

Simplify your investments and rest assured knowing they’re backed by the FDIC.


  • All CDs managed through one relationship with CS
  • Earn one simple rate for all CDs
  • Choose varying maturities for laddered returns
  • No hidden fees
  • Receive one statement for all accounts
  • Simplify investment management and tax reporting
  • Helps support CS community lending initiatives

Certificate of Deposit

Rates as of 3/13/2024

Term
Rate
Details
6 months
4.50%
All new money required*, minimum $25,000
6 months
4.25%
>50% new money, minimum $1,000 new money
6 months
4.00%
<50% new money, minimum $1,000 new money
12 months
4.25%
All new money required*, minimum $25,000
12 months
4.00%
>50% new money, minimum $1,000 new money
12 months
3.75%
<50% new money, minimum $1,000 new money

*Having an existing CS Advantage Savings and Advantage Checking removes the requirement for new money.
A penalty may be imposed for early withdrawal. At maturity the CD Special will automatically renew into a standard CD with the same term. The interest rate on the standard CD will be specified on the Rate Schedule and is subject to change at anytime. Additional terms may apply. Limited time offer.

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