Certificates of Deposit
A Guarantee You Can Count On
There aren't many guarantees in life — but a certificate of deposit is one of them. Choose your term and enjoy a competitive, fixed rate.
Decision Basics
Minimum Deposit
$1,000
Rate Type
Fixed for full term
Terms
3 to 60+ months
Early Withdrawal
Penalty applies
Current CD Specials
CD specials are offered periodically for a limited time. Choose the timeline that best fits your savings goal.
5 Months
3.750%
APY*
3.710% interest rate
10 Months
3.750%
APY*
3.700% interest rate
15 Months
3.750%
APY*
3.700% interest rate
23 Months
3.750%
APY*
3.700% interest rate
Benefits You'll Love
Safe, Secure & Set to Earn
Guaranteed Returns
Fixed interest rates lock in guaranteed returns for the full term — no market risk to your principal or your rate.
A Wide Range of Terms
Choose from a wide range of terms to match your goals, with higher rates on longer terms and periodic limited-time specials.
No Setup or Maintenance Fees
There are no setup or maintenance fees — every dollar of interest works for you, not the bank.
FDIC Insured
Every certificate is FDIC insured up to $250,000, making it one of the safest ways to grow your savings.
How It Works
Open a CD in 3 Simple Steps
Choose Your Term
Browse available CD terms and find the rate and timeline that match your savings goal.
Watch Your Money Grow
Your deposit earns interest at a high, fixed rate until your CD matures. Guaranteed — no market risk.
Renew or Redirect
When your CD matures, choose to renew it, open a different term, or transfer the funds.
Open Anywhere
Open a CD From Wherever You Are
Apply online in minutes — no branch visit required. Or stop by any BRB location and a banker will help you get started.
Open a CD OnlineCurrent Rates
Consumer Certificates of Deposit Rates
Higher rates are received by establishing longer terms.
| Term | Rate | APY** | Minimum Balance |
|---|---|---|---|
| 3 – 5 Months | 1.490% | 1.500% | $1,000 |
| 6 Months | 1.590% | 1.600% | $1,000 |
| 7 – 11 Months | 1.690% | 1.700% | $1,000 |
| 12 Months | 1.790% | 1.800% | $1,000 |
| 13 – 17 Months | 1.890% | 1.900% | $1,000 |
| 18 – 23 Months | 1.290% | 1.300% | $1,000 |
| 24 – 35 Months | 1.340% | 1.350% | $1,000 |
| 36 – 47 Months | 1.390% | 1.400% | $1,000 |
| 48 – 59 Months | 1.440% | 1.450% | $1,000 |
| 60 Months | 1.490% | 1.500% | $1,000 |
CD Calculator
Estimate Your CD Earnings
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Enter your numbers to get an estimate.
Minimum $1,000
Total value at maturity
$10,181.49
Total interest earned
$181.49
Annual Percentage Yield (APY)
1.815%
Our calculators are for informational purposes only and are not intended to provide financial advice. All examples are hypothetical and for illustrative purposes.
When a CD Makes Sense
A smart fit for savings you won't touch yet
Lock In Today's Rate
Secure a fixed rate for your full term so your earnings are guaranteed — no matter how the market moves.
Build a CD Ladder
Stagger several terms so funds become available at regular intervals while you keep earning higher rates.
Park Funds With a Deadline
Saving toward a known timeline — a down payment, tuition, or a big purchase? A CD keeps it growing safely until then.
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
Ready When You Are
Open a CD in About 5 Minutes
Choose a term, confirm the current rate, and open a CD online or with help from a BRB banker.
*Annual Percentage Yield (APY) accurate and effective as of 8/10/2026. This is a limited time offer and may be withdrawn at any time. Minimum balance to open and obtain APY is $1,000. Certain restrictions and conditions may apply. Fees may reduce earnings. Early withdrawal fee may apply. All figures in examples are for product explanation and are based on a 5-month, 10-month, 15-month and 23-month term. Ask us for complete details.
**Annual Percentage Yield (APY) accurate and effective as of 8/1/2026. This rate is subject to change. Minimum balance to open and to obtain APY is $1,000.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Early withdrawal fee may apply. Ask us for complete details.