CERTIFICATE OF DEPOSIT (CD)

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SUMMARY

CD — Internet Only SPECIALS — Apply Online (accounts opened nationwide)

• 12 month Internet CD — Interest rate on your 12 month CD is 4.22% with an annual percentage yield (APY) of 4.30%.  Minimum deposit of $25,000.
• 6 month Internet CD — Interest rate on your 6 month (182 days) CD is 4.31% with an annual percentage yield (APY) of 4.40%.  Minimum deposit of $25,000.

Good things come to those who wait. With a certificate of deposit, the longer you wait, the better things get. Earn fixed interest rates higher than regular savings — the longer your term, the higher your rate. No setup or service fees mean there’s nothing slowing you down. And unlike other investments, your return is guaranteed. Skip the stock market roller coaster — lock in your rate today!

CD Details:

• Set aside for future savings goals
• Competitive, fixed rate for length of term
• Greater earnings than standard savings
• Receive higher rates by selecting a longer term
• Provides more guarantee than other risky investments
• A wide range of terms available (from 91 days to 36 months)
• Locked rate for length of term
• Earned interest may be deposited into the SSB account of choice
• No setup or maintenance fees
• Early withdrawals subject to penalty*
• $100 minimum deposit to open**
• Federally insured by FDIC up to $250,000

*If we consent to a request for a withdrawal that is otherwise not permitted, you may have a penalty that is half the CD term’s total interest for CDs less than 12 months.  If the CD term is 12 months or greater, the penalty will be 6 months of interest.

**Minimum balance may vary according to maturity.

Rates effective as of June 10th, 2025.