Designed Around You,
Built to Grow
Open CD that gives you the certainty of a fixed rate, without the stress of being locked in.
Two Great Ways to Grow. One Simple Choice.
Whether you value maximum flexibility or want to guarantee your high rate for longer, we have a path for you. Choose the timeline that fits your goals.
4 Month Penalty-Free CD*
You want a great return, but suspect you might need to use the cash for an unexpected expense, a home project, or a big purchase before the year is over. It is pure growth with a built-in safety net.
7 Month CD
You don't need immediate access to this money and want to protect yourself from interest rates dropping. Locking in your rate for 7 months guarantees your earnings stay high for a longer stretch of time.
A Better Place to Grow Your Savings
Enjoy the peace of mind that comes with predictable, secure growth.
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Guaranteed Returns
Secure a premium interest rate and enjoy consistent, predictable earnings that are entirely insulated from changing market conditions.
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Flexible Terms
Select the precise timeframe that matches your financial roadmap, offering everything from quick maturity dates to extended growth periods.
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Auto-Renewal
Ensure your funds never sit idle. Our accounts automatically roll over when your term ends, maintaining your earning momentum without any extra effort on your part.
Savings Calculator
Determine your estimated interest for different
deposit amounts and term lengths.
Time Deposits*
* 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 No early withdrawal penalties will be imposed on the 4 Month Time Deposit unless some or all of the funds are withdrawn within 7 days of account opening. If the account is withdrawn within 7 days of opening, you will forfeit any interest earned.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 9/1/26 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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