Certificates of Deposit
3.90% APY*. 4 months.
A CD with us means more than just a great rate. It means returns you can depend on. A partner you know and trust. And zero surprises along the way. Because the best thing a bank can deliver is security.
*Annual percentage yield.
Lock in a great rate today before it's gone!
on a 4-month Promotional CD
Enjoy the flexibility of a shorter term with our 4-month promotional CD, featuring a great rate of 3.90% APY!
on a 10-month Promotional CD
Take advantage of our 10-month promotional CD and enjoy a competitive rate with guaranteed returns!
on a 15-month Flex CD
Experience the convenience of a Flex CD, featuring no penalties for early withdrawals during the first 7 months, followed by 8 months at a fixed rate.
Simple Guide to Flex CDs: Arkansas | Arizona | Colorado | Kansas/Missouri
Simple Guide to No Penalty CDs: Arkansas | Arizona | Colorado | Kansas/Missouri
Simple Guide to Promotional CDs: All regions (4-, 10- and 17-month)
Simple Guide to Promotional CDs: All regions (14 Month)
Simple Guide to Standard CDs: Arkansas | Arizona | Colorado | Kansas/Missouri
Simple Guide to Flex CDs: Arkansas | Arizona | Colorado | Kansas/Missouri
Simple Guide to No Penalty CDs: Arkansas | Arizona | Colorado | Kansas/Missouri
Simple Guide to Promotional CDs: All regions (4-, 10- and 17-month)
Simple Guide to Promotional CDs: All regions (14 Month)
Simple Guide to Standard CDs: Arkansas | Arizona | Colorado | Kansas/Missouri
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- Months 8 - 15: Your fee will be $25 plus 3% of the amount withdrawn.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- Maturity Period is less than 365 days: Your fee will be $25 plus 1% of the amount withdrawn.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 your CD with an ExpressBanker at 844-517-3308, schedule an appointment with a banker, or stop by one of our banking centers today.
Ready to get started?
Disclosures
1 The 3.90% Annual Percentage Yield (APY) is effective as of 10/30/2025 and is applicable to 4-month Promotional CDs. A minimum of $1,000 is required to open the account and earn the advertised APY. Penalties may be assessed for early withdrawals. The advertised interest rate is subject to change at any time without notice. Other restrictions may apply.
2 The 3.70% Annual Percentage Yield (APY) is effective as of 10/30/2025 and is applicable to 10-month Promotional CDs. A minimum of $1,000 is required to open the account and earn the advertised APY. Penalties may be assessed for early withdrawals. The advertised interest rate is subject to change at any time without notice. Other restrictions may apply.
3 The 3.00% Annual Percentage Yield (APY) is effective as of 10/30/2025 and is applicable to 15-month Flex CDs. A minimum of $1,000 is required to open the account and earn the advertised APY. 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. The advertised interest rate is subject to change at any time without notice. Other restrictions may apply.