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How can we help you?

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Penalty-Free Savings

Earn competitive yields with flexibility – ideal for aligning your funds with near-term goals.

4 Month Penalty-Free CD*

Your funds stay secure and flexible while you have easy access to your funds when needed. Get started with as little as $500.

Start Saving Today

How A CD Can Benefit You

Guaranteed Interest Rate

Flexible Terms To Choose From

Extended Insurance Beyond FDIC Coverage

Daily-Compounded Interest

We make it easy to get started.

Saving money shouldn't be difficult. Give us 15 minutes to help you get started.

Pick Your Term

Select a term to open your account online and have your information readily available.

Add Funds

Seamlessly fund your new account with an online transfer. Just make sure you have $500 to get started.
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Enjoy

Look for an email from us once your account is approved. View account details or add joint owners and beneficiaries!

Apply Now

CD (Time Deposit) Rates

Low risk, high reward with a great rate you can lock in.

Term

Minimum Balance

Annual Percent Yield^**

Interest Rate

4 Month Penalty-Free

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$500.00

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4.00%

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3.92%

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7 Month

‍

$500.00

‍

4.00%

‍

3.92%

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11 Month

‍

$500.00

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3.20%

‍

3.15%

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17 Month

‍

$500.00

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2.75%

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2.71%

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Savings Calculator

Determine your estimated interest for different
deposit amounts and term lengths.

Initial Deposit

Annual Interest Rate (%)^†

Term:

1 month

72 months

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. The accuracy of this calculator and its applicability to your circumstances is not guaranteed. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues and before any product purchases or loan commitments are made.

For more information about FDIC insurance coverage of noninterest bearing transaction accounts, visit http://www.fdic.gov/index.html

† Rates vary, check our current rates here

Total Interest
Earned

$000000

Total Estimated
Balance

$000000

Open Account

Daily Interest Rate^*

000

Term in Days:

000

¹ Annual Percentage Yield (APY) is effective as of 7/9/26 and subject to change at any time and without notice. You must deposit at least $500 to open a Time Deposit.

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* ConnectOne Bank opens CDs as Time Deposits. The name of the product in all account related notices, including but not limited to, tax forms and statements, will be Time Deposits. You will not receive a certificate upon opening the account. No early withdrawal penalties will be imposed on the 4 Month Time Deposit unless some or all of the funds are withdrawn within 7 days of account opening. If the account is withdrawn within 7 days of opening, you will forfeit any interest earned.

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** Annual Percentage Yield (APY) is effective as of 7/9/26 and subject to change at any time and without notice. Early withdrawal penalties may be imposed and the fee could reduce interest and principle for Time Deposits. You must deposit at least $500 to open a Time Deposit. The terms advertised above are Promotional Rates. Additional rates available by visiting your local banking office or calling us at 844-266-2548.

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ConnectOne Bank offers financial products and custom solutions to help our clients achieve financial prosperity for themselves, their family and their business. Explore our offerings online, including checking and savings accounts, business bank accounts, business loans, mortgages, home equity loans and much more. Bank online or at one of our convenient New Jersey, New York, and South Florida locations.

Guaranteed Returns

Secure A CD Today

Penalty-Free Savings

4 Month Penalty-Free CD*