Make the most of your savings.

On your terms.

Take a strong next step with the Certificate of Deposit (CD) length that’s right for you

When you’re looking for a smart, low-risk way to grow your savings, a Certificate of Deposit (CD) can help you earn more with confidence. With competitive APYs, fixed returns, and terms designed to fit your goals, now is a great time to put your money to work. Whether you’re saving for a future purchase, building your nest egg, or simply looking for a dependable way to grow your money, our CDs offer a guaranteed return and the peace of mind that comes with a fixed rate for the entire term.

6-Month CD

4.07 APY*

A competitive rate with a shorter commitment

OPEN 6-MONTH CD

12-Month CD

4.17 APY*

A strong rate. A full year of predictable growth.

OPEN 12-MONTH CD

18-Month CD

4.27 APY*

Our highest featured APY, locked in for longer.

OPEN 18-MONTH CD

Open your CD online today in minutes!

Already growing your savings in our High-Yield Savings Account?
Now’s the time to take the next step. Use your HYSA for everyday flexibility—and let your CD work in the background with guaranteed returns. Together, they’re a smarter way to build toward your goals with both confidence and control.

 

Whether you’re planning ahead or parking extra cash, a fixed-rate CD helps you move forward with confidence. And the best part, you can open your CD online in just minutes.

*Annual Percentage Yields (APY) of 4.07%, 4.17%, and 4.27% are available on a new 6-month, 12-month, or 18-month Certificate of Deposit, respectively, opened with a minimum of $1,000.00.  A penalty may be charged for early withdrawal. Fees may reduce earnings. No additional deposit may be made to the CD during the term.

The APY and interest rate is accurate as of September 2nd, 2026.
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SFGI Direct Routing Number: 056001066