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Personal
Personal
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Bank
CDs

Smart Growth, Safely Secured

We know your financial needs can change. That’s why we designed CDs that gives you the certainty of a fixed rate, at the terms you need them.

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Guaranteed Returns

Lock in a highly competitive fixed rate and watch your savings grow steadily, completely shielded from market fluctuations.

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Flexible Terms

From short-term boosts to long-term strategies, choose the exact timeline that perfectly aligns with your personal financial goals.

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Auto-Renewal

Keep your money working for you effortlessly. Your CD can seamlessly renew at maturity, so you never miss a day of earning.

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FDIC Coverage

Rest easy knowing your hard-earned money is fully protected. We even offer solutions to expand your FDIC insurance far beyond standard limits for maximum security.

Explore terms and open today

We make it easy to get started

Saving money shouldn't be difficult. 15 minutes and $500 is all you need to 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.

Enjoy

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

Apply Today

Time Deposits*

4 Month Penalty-Free
Minimum Balance
Annual Percentage Yield **
Interest Rate
$500.00
4.00%
3.92%
12/5/2026 0:00
Minimum Balance
Annual Percentage Yield **
Interest Rate
$500.00
4.00%
3.92%
9/7/2026 0:00
Minimum Balance
Annual Percentage Yield **
Interest Rate
$500.00
3.20%
3.15%
16/12/2025 0:00
Minimum Balance
Annual Percentage Yield **
Interest Rate
$500.00
2.75%
2.71%
23/12/2025 0:00
Minimum Balance
Annual Percentage Yield **
Interest Rate
$500.00
2.75%
2.71%
16/12/2025 0:00

Savings Calculator

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

Initial Deposit
Annual Interest Rate (%)
Term:
11
mo
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

* 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.

** 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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