Certificates of Deposit
4.05% APY1 on a 4-Month Standard CD!
A certificate of deposit (CD) can allow you to enjoy higher fixed interest rates while still having all the security of an FDIC-insured2 savings account. Right now, enjoy the flexibility of a shorter term with our 4-month Standard CD, featuring a great rate of 4.05% APY!
Higher interest = bigger savings
Turbo boost your savings with higher rates, and even bigger earnings.
7 months of early withdrawals, fee-free
Enjoy 7 months with no penalties for early withdrawals, followed by 8 months at a fixed rate3.
Early withdrawals without the fees
Got commitment issues? No problem! Withdraw your money at any time, and pay no penalties.
Long- or short-term savings
Go long, or go short, it’s all good! Open with a low deposit, and get flexible options for long- or short-term savings.
Frequently Asked Questions
Got questions? We've got answers. And, if you don't find what you're looking for, call ExpressBank at 844-517-3308, or schedule an appointment to visit us at the banking center location nearest you.
There is no monthly fee for CDs.
Depending on your CD, you may be able to withdraw funds early without paying a penalty. Some CDs may charge a fee for early withdrawals. See your Simple Guide for specific details about your CD.
No Penalty CD
- You may withdraw all your money, including interest earned, without any penalties, any time after the first 7 days following the date you fund your account.
Flex CD:
- Months 0 – 7: You may withdraw all your money, including interest earned, without any penalties, any time after the first 7 days following the date you fund your account.
- Months 8 - 15: Your fee will be $25 plus 3% of the amount withdrawn.
Promotional CD
- Maturity Period is less than 365 days: Your fee will be $25 plus 1% of the amount withdrawn.
- Maturity Period is 365 days or more: Your fee will be $25 plus 3% of the amount withdrawn.
Standard CD:
- Maturity Period is less than 365 days: Your fee will be $25 plus 1% of the amount withdrawn.
- Maturity Period is 365 days or more: Your fee will be $25 plus 3% of the amount withdrawn.
Please note:
- The amount of your penalty may be deducted from principal.
- Exceptions: We will waive the penalty if your request for withdrawal to close the CD occurs during the grace period, or if the depositor passes away or is judged legally incompetent.
For more information on early withdrawal penalties, please download our Agreements and Disclosures: Arizona | Arkansas | Colorado | Kansas/Missouri.
We offer very competitive interest rates. View our deposit rates for more information.
You may open select CDs online. All CDs may be opened with an ExpressBanker by calling 844-517-3308, by scheduling an appointment with a banker or by stopping by one of our banking centers today.