Certificates of Deposit
Boost your savings with higher returns
A certificate of deposit (CD) can allow you to enjoy higher fixed interest rates while still having all the security of an FDIC-insured1 savings account. Whether you're looking for short-term growth or a longer commitment, our CDs make it easy to start earning more.
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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 rate4.
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.
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 (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 (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- Months 8 - 15: Your fee will be $25 plus 3% of the amount withdrawn.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 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.
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Disclosures
1 The Federal Deposit Insurance Corporation (FDIC) is a US government corporation that insures the money in your accounts up to $250,000. Our CDs, checking accounts, savings accounts, and money market accounts are insured up to the maximum $250,000 per depositor, as allowed by law.
2 The 4.05% Annual Percentage Yield (APY) is effective as of 09/09/2025 and is applicable to 120-day Standard CDs (i.e. 4 months). A minimum of $1,000 is required to open the CD, and a minimum of $1,000 is required to maintain it. All funds must be deposited in a single transaction. Penalties may be assessed for early withdrawals. Other restrictions may apply. This offer and interest rate are subject to change at any time without notice.
3 The 3.75% Annual Percentage Yield (APY) is effective as of 09/09/2025 and is applicable to 10-month promotional CDs. A minimum of $1,000 is required to open the account and earn the advertised APY. A minimum of $1,000 is required to maintain the account. The total maximum amount that may be held in the same CD product and term under the TIN(s) of any and all account owners is not to exceed $1,000,000. All funds must be deposited in a single transaction. Penalties may be assessed for early withdrawals. Other restrictions may apply. This offer and interest rate are subject to change at any time without notice.
4 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.
† APY = Annual Percentage Yield
All rates are variable except CDs and may change after the account is opened. Fees may reduce earnings.
CD rates are fixed for the term of the CD. Unless otherwise stated, penalties are assessed for early withdrawals from Regular CDs. We reserve the right to limit the amount of deposit.
The rates above are applicable only to personal accounts. For business and other non-personal account interest rate information, please contact our ExpressBank.