Certificates of Deposit

We’ve Got a Certificate of Deposit That’s Right for You

  • Various terms available from 3 months to 5 years.
  • Minimum balance of $1,000.
  • Substantial penalty for early withdrawal.

Our Certificates of Deposit offer guaranteed yields, flexibility, and the safety of FDIC insurance. That’s because you lock in a high yield that’s guaranteed from the day you open the account until the day it matures. You know exactly what return you’ll get and when you’ll get it.

Your investment is safe because Cornerstone Community Bank CDs are backed by the Federal Deposit Insurance Corporation (FDIC). The standard insurance amount currently is $250,000 per depositor. For more information, go to www.fdic.gov/deposit/deposits.

We offer Certificates of Deposit in a broad range of maturities, each designed with a particular goal in mind. And, for as little as $1,000, you can open your own CD. To help you decide which CD will best meet your needs, take our One-Minute Certificate of Deposit Test. Then request a CD quote from one of our Customer Services Representatives today at your local branch or check our current rates below:

Deposit rates effective as of 12/01/22.

Certificates of Deposit

TermMinimum Balance to
Minimum Balance
to Receive Annual
Percentage Yield
Interest RateAPY
3 Month$1,000$1,0000.40%0.40%
6 Month$1,000$1,0000.50%0.50%
9 Month$1,000$1,0000.60%0.60%
12 Month$1,000$1,0000.70%0.70%
15 Month$1,000$1,0000.80%0.80%
18 Month$1,000$1,0000.90%0.90%
2 Year$1,000$1,0001.00%1.00%
3 Year$1,000$1,0001.05%1.05%
4 Year$1,000$1,0001.10%1.10%
5 Year$1,000$1,0001.15%1.15%
  1.  Rates subject to change.
  2.  The bank may impose a penalty for early withdrawals for Certificate of Deposits.
  3.  Accounts are FDIC insured.