Bump Rate Certificates of Deposit

We get that rates can sometimes be unpredictable. That’s why we created our Bump Rate CDs.

Start building long-term savings with low-risk and when the rates increase, take comfort in knowing that you can take advantage of your “bump” and see your rate increase too!


Bump Rate CD Experience:

When you open a Bump Rate CD with a minimum of $1,000, you’ll start with a great rate and when you see the rates increase, take advantage of your “bump” by opting to move into the higher rate. You can “bump” once per your CD’s term.2 Our Bump Rate CDs are FDIC insured up to the maximum allowable limits and the interest is compounded daily, so rest assured that your savings are safe and growing!

We offer two terms for our Bump Rate CDs:

23 Month Bump Rate CD at 1.65% APY1

35 Month Bump Rate CD at 1.80% APY1

1APY=Annual Percentage Yield. Minimum $1,000 required to open. Penalties may apply to early withdrawals. Service fees or penalties charged against the account may reduce earnings. Annual Percentage Yields are effective as of 10/20/2017 and subject to change without notice. Additional terms and conditions or fees may apply to the product described. Please contact us or visit one of our branches for full account details.2You are permitted to make a one-time request to adjust your interest rate should the interest rate for this product increase at any time during the term of your CD. You may make this request at one of our branches or by contacting us. Your interest rate is limited to the rate in effect for the same CD product at the time of your request and the new interest rate will be paid for the remaining account term. If you exercise the bump rate option, only the rate will change. All other terms, conditions and the maturity date will remain the same.