Certificates of Deposit (CDs)

Lock your savings away in an account that’s as secure as a steel safe. A certificate of deposit (CD) from St. Martin Bank is a powerful way to beef up your investment portfolio with competitive interest — without risking your funds. Choose from terms as low as seven days to start earning a higher rate today!

  • Fixed rates, higher than regular savings
  • Receive higher rates by selecting a longer term
  • Interest compounded quarterly
  • Earnings paid monthly, quarterly, or at term
  • Provides more guarantee than other risky investments
  • Set aside for future savings goals
  • A wide range of terms available (from 7 days to 3 years)
  • No setup or maintenance fees
  • Early withdrawals subject to penalty*
  • $500 minimum deposit to open**

*Early withdrawals may result in penalties. CD term from 7 days up to 31 days penalty is all of the interest that could have been earned; CD term 32 days up to 365 days (1 year) penalty is 3 months (90 days) of interest; CD term of greater than one year penalty is 6 months (180 days) of interest.

**Minimum deposits may vary depending on the term of the CD. Contact us for details.