Earn more on your savings with an SBIC Bank Certificate of Deposit (CD) account. Get fixed returns, competitive rates, and zero market risk. Open a CD bank account today and grow your earnings safely!
SBIC Bank offers personal certificates of deposit with competitive fixed rates, terms from 3 months to 5 years, and a $1,000 minimum deposit. Unlike a savings account, a CD locks in your rate for the full term, with no market risk, no fluctuation, just predictable growth.
A Certificate of Deposit (CD) is a low-risk savings option that allows individuals to earn a fixed interest rate on their funds over a set term. Unlike traditional savings accounts, Personal CDs require you to lock in your funds for a predetermined period, providing predictable returns and steady growth.
This makes them an excellent choice for individuals looking to maximize idle cash while maintaining a secure and reliable way to save. With a range of term lengths available, you can choose a CD that aligns with your financial goals, whether you’re saving for a major purchase, an emergency fund, or long-term financial stability.
For a limited time, SBIC is offering special interest rates on select Certificates of Deposit. Act fast, before they're gone!
| Term | Min. Balance to Open & Obtain APY | Interest Rate | You Earn (APY*) |
|---|---|---|---|
| 3 Months | $1,000.00 | 3.69% | 3.75% |
| 4 Months | $1,000.00 | 3.94% | 4.00% |
A Personal Certificate of Deposit (CD) is a low-risk savings option that allows individuals to earn a fixed interest rate on their funds over a set term. You deposit a minimum amount, lock in your rate, and earn predictable returns, with no exposure to stock market fluctuations. At maturity, you receive your original deposit plus the interest earned. With a range of term lengths available, you can choose a CD that aligns with your financial goals.
Looking for general information about CDs? Visit our digital Education Center.
A CD savings account is the smartest way to earn higher interest rates while keeping your funds safe. At SBIC Bank, we offer short-term options for near-term goals to multi-year CDs for longer-term savings.
| Term | Min. Balance to Open and Obtain APY | You Earn (APY*) |
|---|---|---|
| Up to 6 Months | $1,000 | 3.85% |
| Up to 9 Months | $1,000 | 3.85% |
| Up to 12 Months | $1,000 | 3.85% |
| Up to 18 Months | $1,000 | 3.75% |
| Up to 2 Years | $1,000 | 3.50% |
| Up to 3 Years | $1,000 | 3.00% |
| Up to 4 Years | $1,000 | 3.00% |
| Up to 5 Years | $1,000 | 3.00% |
Our certificate of deposit bank accounts offer:
When you choose SBIC Bank for your CD bank account, you get:
Opening a CD bank account with SBIC Bank is quick and easy:
A minimum deposit of $1,000 is required to open a CD deposit account.
Available to U.S. residents, including individuals and businesses.
No complex paperwork, just a simple application process to start earning today.
Join SBIC Bank today and take advantage of the highest interest CD rates available. Apply online now!
Compare all SBIC Bank personal savings products: savings accounts, money market, high-yield savings, and more.
SBIC Bank's full growth products: personal CDs, business CDs, IRA CDs, and high-yield savings options.
Fixed-rate certificates of deposit for businesses looking to maximize returns on reserve funds.
Have questions about our CD rates or ready to open an account? Our team is available by phone, online, or at any branch location.
Click to reach out via phone or message, and we will be happy to assist you!
Click to connect with an SBIC Bank representative through our Virtual Branch.
Click to find a branch location for in-person assistance opening your CD.
Most CD interest rates are fixed for the duration of their term, meaning your earnings are predictable. However, some institutions may offer variable CD rates online that can fluctuate based on market conditions or benchmarks like the prime rate, potentially offering higher returns if rates rise. So, it's essential to understand the type of CD you are investing in.
Yes, you can, but early withdrawals typically result in a penalty. Withdrawing before the maturity date may result in users forfeiting a portion of the CD interest rate earned and, in some cases, part of the principal. The specific penalty varies by institution and CD's term length.
CD interest rates are calculated based on your deposit amount, term length and the bank’s CD account rates. The longer the term and higher the amount, the better your potential to earn from current CD rates.
A certificate of deposit (CD) is a fixed-term deposit account that earns interest at a predetermined rate. It’s ideal for savers looking for stable returns through locked CD interest rates over a chosen time frame.
The minimum deposit requirements for personal CDs vary based on the term and rate selected. Check our website or visit a branch to find the best CDs with the right deposit requirements for you.
Any U.S. resident with a valid ID can open a CD savings account. SBIC Bank makes it simple to start growing your savings with our available CDs.
*APY refers to Annual Percentage Yield and assumes interest remains on deposit until maturity. APY is accurate as of 2/26/2026. Rates are fixed for the term of the CD. You must deposit and maintain a daily balance of $1,000 to obtain this APY. Interest is compounded and credited to your account quarterly. Interest begins to accrue no later than the business day we receive the credit. CD rates are subject to change at any time and are not guaranteed until CD is opened. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. For further information about terms and conditions, see the Personal Banking Schedule of Fees and Charges and Terms and Conditions of Your Account, call toll-free 1.877.707.1995, or visit a location near you.
For further information about terms and conditions, see the Personal Banking Schedule of Fees and Charges and Consumer Deposit Account Disclosure, call toll-free 1.877.707.1995, or visit a location near you.
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