CERTIFICATES OF DEPOSIT
Community Financial offers a variety of Certificates of Deposit. How much you can earn depends on the amount, term, and rate. We offer:
- Certificates available for investments starting at $100
- Terms from 8 months to 5 years
- Bonus rates up to .20% on regular certificates
See Member Rewards Clubs for details
A short term can still mean a big return.
Earn a big return, without making a big commitment. Our new 8-Month Special CD can earn you up to 4.5% APY* starting at just $100!
All it takes to earn that bonus APY is a CloseEnuff™ checking account with direct deposits of at least $100 per month! From there, your base 4.25% APY gets boosted up to 4.5% for every month you maintain that direct deposit minimum.
Getting started doesn’t take a long time, either! Set up your CloseEnuff™ direct deposits in just a few minutes, then open your Special CD in a couple of clicks!
| Special Certificates of Deposit | |
| Effective Date: Monday, June 2nd, 2025 | |
| Dividend Rate | APY* as high as |
| 8 Month Certificate without Direct Deposit | |
| 4.19% | 4.25% |
| 8 Month Certificate with Direct Deposit | |
| 4.43% | 4.50% |
| 23 Month Certificate | |
| 3.70% | 3.75% |
| Wire transfer fees up to $50 will be waived. | |
| *APY= Annual Percentage Yield. Minimum to open: $100. Fees may reduce earnings, subject to penalty for early withdrawal. Initial base rate of 4.25% Rate will increase to 4.50% after the first two months if a minimum direct deposit of $100 is deposited monthly into a checking account. Rate of 4.25% will remain in effect if a minimum direct deposit of $100 per month is not deposited into a checking account. Please call (877) 937-2328 for additional rates & terms. | |
| Certificates of Deposit | |
| Effective Date: Monday, June 2nd, 2025 | |
| Dividend Rate | APY* as high as |
| 180 Day | |
| 1.10% | 1.10% |
| 1 Year | |
| 1.15% | 1.16% |
| 2 Year | |
| 1.15% | 1.15% |
| 3 Year | |
| 1.05% | 1.05% |
| 4 Year | |
| 1.05% | 1.05% |
| 5 Year | |
| 1.10% | 1.10% |
| *APY= Annual Percentage Yield. APY depends on Member Reward Club status and is subject to change. APY stated above assumes President's Club status. Minimum to open: $100. Fees may reduce earnings; subject to penalty for early withdrawal. Please call (877) 937-2328 for additional rates & terms. | |
