Certificates of Deposit Features & Benefits

Enjoy fixed-rate CDs with guaranteed returns starting at just $500.

  • Competitively lower interest rates
  • 6 months to 10 year terms
  • Monthly interest withdrawals
  • Low-cost entry ($500 to open)

Certificates of Deposit Rates

Deposit $500 - $29,999.99 $30,000 - $69,999.99 $70,000 - $124,999.99 $125,000+
6 Month 0.10% 0.15% 0.20% 0.25%
12 Month 0.15% 0.25% 0.30% 0.35%
24 Month 0.25% 0.30% 0.40% 0.50%
36 Month 0.40% 0.50% 0.60% 0.70%
48 Month 0.45% 0.55% 0.70% 0.80%
60 Month 0.60% 0.70% 0.80% 0.90%
84 Month 0.65% 0.75% 0.85% 0.95%
120 Month 0.75% 0.85% 0.95% 1.00%


Certificates of Deposit Calculator

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Certificates of Deposit FAQ

Q: Are there tax benefits to saving with a certificate of deposit?

A: Investing your funds in a certificate of deposit is going to affect your taxes in many ways. There are not always tax-deductible benefits to saving with a traditional CD. If you are looking for a savings certificate that will generate tax benefits, consider investing in a Roth CD.

Q: How do I get higher rates for my CD?

A: At Arbor Financial, we reward higher deposits with higher dividends. The more money you store in a CD, the greater your rewards. Consult with our rates chart to decide on the right deposit amount for you.

Q: How often can I withdraw interest from a certificate of deposit (CD)?

A: Certificates of deposit allow you to withdraw interest generated funds monthly. This ensures that you are still making money from your investment without affecting your APY. To see how much you could earn per month, calculate your rates using the calculator above.


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*Annual Percentage Yields (APYs) earned on certificates are calculated by the actual daily balance method and are paid and compounded monthly. Minimum balance of $500 is required. Early withdrawal penalties apply and will reduce earnings. Rates and offers subject to change at any time without notice.
**During a CD rate boost promotional offer, CDs receive the boosted rate if at least $25,000 of the certificate amount is not currently on deposit with Arbor Financial Credit Union, and the higher rate will be paid on the full certificate balance. Offer subject to change. Federally insured by the NCUA.

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