Certificates of Deposit

Certificates of Deposits

With guaranteed principal and interest, you can confidently watch your deposit grow. Choose the term that best suites your savings goals and cash flow requirements.

Competitive rates
Variety of term options available
Deposits are insured in full

Effective Date: Saturday, October 25, 2025

CDs (Rate Table)
Program	Term	APY*	Actions
CDs*	3 Months	1.00%	Open an Account - CD - 3 Months
	6 Months	2.50%	Open an Account - CD - 6 Months
	12 Months	2.00%	Open an Account - CD - 12 Months
	18 Months	2.00%
	24 Months	2.00%
	30 Months	2.00%
	36 Months	2.50%
	48 Months	2.75%
	60 Months	3.00%

*Annual Percentage Yield (APY) assumes interest and principal remain on deposit for one year. A withdrawal will reduce earnings. Interest is credited on the last business day of the month. A penalty will be imposed for early withdrawal from a Certificate of Deposit. Fees could reduce earnings of the account. For certificates with terms up to 1 year, the minimum balance required to open the account and obtain the APY is $500.00, and the account pays simple interest. For certificates with terms of 1 year or more, the minimum balance required to open the account and obtain the APY is $500.00, and the interest is compounded continuously. For IRAs, the minimum balance required to open the account and obtain the APY is $100.00.

Effective Date: Saturday, October 25, 2025

CD Special (Rate Table)
Program	Term	APY*	Actions
CD Special	Pick the term 3-7 Months	3.75%	Open an Account - CD Special - 9 Months
CD Special	13 Months	3.70%	Open an Account - CD Special - 9 Months

*Annual percentage yield (APY) subject to change. Minimum deposit $1,000. Offer may be withdrawn at any time. A penalty will be imposed for early withdrawal. See Disclosure Statement for more information. Short-term CD special not eligible for an IRA.

Effective Date: Saturday, October 25, 2025

Add-On CD Special (Rate Table)
Program	Term	APY*	Actions
ADD-ON CD Special	19 Months	3.60%	Open an Account - ADD-ON CD Special

* 3.75% Annual Percentage Yield (APY) for 19 months. Customer has the option to make additional deposits to the CD at any time over the term of the CD. Additional deposits must be at least $500. $1,000 minimum to open. Penalty for early withdrawal equivalent to 12 months of interest. Interest is compounded continuously and posted monthly. At maturity, automatically renews at the current Dean Bank 12-month CD rate offered at time of renewal, unless otherwise directed by the customer. Fees could reduce earnings. Offer is limited and subject to change without notice. This product also available as a Retirement Special.

How to Open - Business Account