are cds worth it

CDs for Your Best Interest

Our certificates of deposit (CDs) are an incredibly easy way to save – and earn competitive interest!

Whether you're saving in the short term for a specific purchase or long term for retirement, our CDs are an easy way to earn competitive interest. By choosing from CD options of one to five years, your money remains safe, secure and insured.

Make your money work for you!

CD Rates1

Accurate as of Monday, February 6, 2023
Get in touch or find a location to learn more and open your CD today.
Term Interest Rate Annual Percentage Yield (APY)
Term6 Month (182 Day) Interest Rate3.50% Annual Percentage Yield (APY)3.53%
Term1 Year Interest Rate3.10% Annual Percentage Yield (APY)3.10%
Term2 Year Interest Rate2.75% Annual Percentage Yield (APY)2.75%
Term30 Month Interest Rate2.65% Annual Percentage Yield (APY)2.66%
Term3 Year Interest Rate2.60% Annual Percentage Yield (APY)2.60%
Term4 Year Interest Rate2.65% Annual Percentage Yield (APY)2.65%
Term5 Year Interest Rate2.70% Annual Percentage Yield (APY)2.70%

 

Relationship CD Rates1

Accurate as of Monday, February 6, 2023
A relationship CD is available for customers with a Benefit Interest Checking account. Get in touch or find a location to learn more and open your CD today.
Term Interest Rate Annual Percentage Yield (APY)
Term6 Month (182 Day) Interest Rate4.00% Annual Percentage Yield (APY)4.04%
Term1 Year Interest Rate3.60% Annual Percentage Yield (APY)3.60%
Term2 Year Interest Rate3.25% Annual Percentage Yield (APY)3.25%
Term30 Month Interest Rate3.15% Annual Percentage Yield (APY)3.16%
Term3 Year Interest Rate3.10% Annual Percentage Yield (APY)3.10%
Term4 Year Interest Rate3.15% Annual Percentage Yield (APY)3.15%
Term5 Year Interest Rate3.20% Annual Percentage Yield (APY)3.20%

Exclusive Offers on CD Rates1

Accurate as of Monday, February 6, 2023
Get in touch or find a location to learn more and open your CD today.
Term Interest Rate Annual Percentage Yield (APY)
Term13 Month Interest Rate3.80% Annual Percentage Yield (APY)3.81%
Term25 Month Interest Rate4.00% Annual Percentage Yield (APY)4.01%
happy young woman works at desk laptop and examines best IRA accounts with Gate City Bank

Retirement Saving Made Simple.

You’ve worked hard for your money – and your future. You deserve to have  savings options that'll work just as hard for you. Whatever stage you’re at in life, we’ll help make it easy to invest your dollars for your future plans.

1 The minimum balance required to open an account and earn interest and APY is $1,000 for certificates of deposit (CDs) and relationship CDs and $100 for individual retirement accounts (IRAs). An early withdrawal penalty may apply. Annual contribution limits apply for IRAs.