Lock in a CD while rates are still high
Maximize your savings with a CD ladder. Learn More
No matter your financial strategy, our Certificate of Deposit rates can help you earn more on your terms.

What are the benefits of a CD?

Guaranteed rates

Once your CD is opened, your interest rate is locked in with the specific CD term that you choose.

Hands off, on purpose

Pick your term and make your deposit, and then don't worry about a thing.

Strategic earning potential

You can create a "CD ladder" to build on earnings as your accounts mature.
Learn how.

We make it easy to get started

1
Enter some basic information to get started.
2
Make a deposit now or come back later—whatever works for you.
3
Check your email for confirmation from us, and you're all set!

Choose your term. Enjoy the guaranteed returns.

Explore how your earnings grow based on your CD term.

Initial deposit

$
Please enter an amount between $1 and $5,000,000.
Earned interest with Discover

This calculator and the values shown are intended for illustrative and informational purposes only and may not apply to your individual circumstances. This calculator uses an Annual Percentage Yield (APY) that is rounded to the nearest one-hundredth of one percentage point, e.g., .01%. However, actual interest earned calculations use an APY that is rounded to the nearest one-thousandth of one percentage point, e.g., .011%. As a result, the estimated interest earned value shown here may vary from the actual interest earned on your account. Calculation assumes principal and interest remain on deposit and interest rate and APY do not change.

% APY

Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding.  Applies to personal accounts only. A penalty may be charged for early withdrawal. No minimum deposit required to open an account.

Get started with no minimum opening deposit required.

Get Started

Add flexibility to your savings strategy with a CD ladder

Stagger your investment while taking advantage of guaranteed returns.
1

Define your goals

Decide how much you're willing to invest and how often you'd like access to your money.
2

Divide your investment

Open multiple CDs with varying maturity dates and spread your investment across each of them.
3

Renew or cash out

When each CD matures, you'll have the option to continue the ladder with a new CD or withdraw your money.
Glow Glow
Goodbye, account fees
No. Fees. Period. That means you won't be charged an account fee on our CD account.*
Man and woman camping in the mountains.
FDIC Logo

Save with confidence—you’re FDIC-insured

  • FDIC deposit insurance is up to $250,000 per depositor, per insured bank, per deposit ownership category
  • May apply to retirement accounts
  • Coverage is automatic

If you have more questions, call us at

Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding. Applies to personal accounts only. A penalty may be charged for early withdrawal. No minimum deposit required to open an account.

*A penalty may be charged for early withdrawal from a CD.

**For more information on FDIC deposit insurance (including information on deposit ownership categories), or for help calculating your coverage, visit EDIE.FDIC.gov or call the FDIC at 1-877-275-3342 (1-877-ASKFDIC).