Example Earnings
Initial Deposit
$1,000
Term Length
5 Years
Interest Earned
+$217
Value at Maturity
$1,217
* Based on 4.00% APY compounded daily. Assumes no withdrawals before maturity.
Key Features
FDIC/NCUA Insured
Protected up to $250,000 per depositor
Fixed Rate
Guaranteed 4.00% for entire term
CD Details
Why Choose This CD?
Competitive Rate
Earn 4.00% APY, which is higher than the national average for 5 Years CDs.
Safe & Secure
Your deposit is FDIC insured up to $250,000, protecting your principal investment.
Predictable Returns
Lock in your rate for 5 Years and know exactly what you'll earn at maturity.
Rate verified: 10/8/2025
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Understanding CDs
How CDs Work
When you open a CD, you agree to keep your money deposited for a specific term. In return, the bank pays you a fixed interest rate that's typically higher than a regular savings account.
- • Fixed rate for entire term
- • FDIC/NCUA insured
- • Predictable returns
- • Early withdrawal penalties may apply
Is This CD Right for You?
CDs work best when:
- • You won't need the money before maturity
- • You want guaranteed, safe returns
- • You prefer fixed rates over variable
- • You're building an emergency fund