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Certificates of Deposit

CDs often offer higher interest rates than regular savings accounts—so your money works harder for you.
 

CDs On Your Terms

 
With a fixed rate CD, your interest rate will not change during the original term of your CD. We offer CD terms from 30 days to 5 years—all with competitive rates to help your savings grow.
 
Once you open your CD, additional deposits aren’t allowed during the term, and early withdrawals may come with a penalty.*
 
At maturity, you’ll have a grace period to renew or withdraw your funds. If no action is taken, your CD will automatically renew based on the terms of your original agreement. 
 
*30-day savers CDs allow deposits at any time throughout the life of the account.
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  • Choose a term that fits your goals
  • Lock in your rate
  • Enjoy a predictable return

No Monthly Service Fee
No surprises. Just simple, steady savings.
Interest Compounds Monthly
Earn interest on your interest for better growth.
FDIC Insured
Your deposit is protected, up to allowable limits.


Lock in a rate that works for you

 
Explore our current terms and rates to find the best fit for your savings goals. 
 
 
Penalty for early withdrawal may be imposed. Certain balance requirements may apply on specific CD terms.






















Your Questions, Answered

This is a type of savings account that often offers a higher interest rate in exchange for keeping your money on deposit for a set amount of time. You choose the term that works for you, lock in a rate, and let your savings grow—no guesswork or surprises. 
You earn a fixed interest rate based on your selected term. Interest can be compounded to the CD, paid to you monthly by crediting to your account, deposited into another CSB account, or sent to you by check—whatever fits your needs. 
At the end of your term, you'll have a grace period to decide what to do next—renew, adjust your term, or withdraw your funds.
Yes—because this account type is designed for long-term savings, early withdrawals may result in a penalty. Be sure to consider your timeline and savings goals before choosing a term length.
When you compound the interest to your CD, you earn the APY. The APY is the actual rate of return that you will earn in one year if you choose to compound interest.






Let’s Get You Started

Start online or stop by a branch—it’s fast, easy, and backed by real people who care.