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Online Certificates of Deposit (CDs)

High-Yield, Smart, Dependable Rates, Guaranteed Until the End of Your Term

For a limited time, lock in 4.80% APY* on a 36-month CD!

CD Rates and Terms


Available Terms

12 mo
18 mo
24 mo
30 mo
36 mo
48 mo
60 mo

Annual Percentage Yield*

Open a CD Now

Minimum opening deposit $1,000.

Questions? Call 877-831-3334

Now more than ever, a Certificate of Deposit (CD) is an ideal investment


CD Features

  • Minimum opening deposit of $1,000
  • Fixed interest rate
  • Automatic renewal
  • FDIC insured
  • No maintenance fees
  • Online banking access

5 Reasons to Invest in a CD

reason 1

Fixed rates – Your money is secure, and you know the interest rate you will earn.

reason 2

Easy online application – Applying is fast and easy. And it can be done securely online without visiting a branch.

reason 3

Minimal fees – No service fees. Penalties may apply if you withdraw your money before the end of the term.

reason 4

Automatic Renewal – When your term is up, your CD automatically renews at the current rate.

reason 5

Better rates than traditional savings – Give yourself incentive to keep saving toward your goals.

Crescent Bank Certificate of Deposit FAQ

A Certificate of Deposit is a type of savings account with a guaranteed rate for a specified term. When you open a CD, you commit to keeping the money in the account until it reaches its maturity date. Generally, the farther away the maturity date, the higher your interest rate. A CD can be an effective way to help your money grow at a great rate and is not affected by downturns in the economy.

You can apply online in under 10 minutes. Be sure to have your driver’s license, state ID, or passport and Social Security number handy. If you plan to fund the CD with money from an account at another bank, you should have those routing and account numbers or online login credentials ready. You may fund your CD account by mailing us a check or by electronically transferring funds from an account at another financial institution.

Once your online CD application is completed and ready for funding, you will be shown step-by-step instructions on how to deposit money into the account. You may fund your CD account by mailing us a check or by electronically transferring funds from an account at another financial institution.

You may only add funds to your CD at renewal.  You will receive a notification via email prior to the maturity date of your CD, at which time you may call us at 877-831-3334 to assist with adding funds at renewal.

There are no fees to open a CD. However, certain fees apply if term conditions are not met, such as if funds are withdrawn early. This is why it is important to choose a term that matches your cash flow needs.

Once your account is opened, you can access your account by enrolling in Online Banking. With Online Banking, you can review the interest earned on your account, check account balances and transaction records, and transfer funds. To enroll in Online Banking, you will need your account number, Social Security number, birth date, and zip code associated with the account. If you already have an online account, login here.

At the end of your term, your CD will automatically renew unless you choose to close it out. To close it out, contact Customer Service at 877-831-3334.

Please send us a secured message through your online account to transmit personal or financial information, or any documentation. Login here.

This is the most secure method to contact us for any account specific inquiries. Unsecured emails can be intercepted by unauthorized parties and compromise your personal information, potentially leading to identity theft or other forms of fraud.

If you have any questions, please contact our customer support team

To access secure messages, log in to your online account.


“Called the Bank directly for information and talked with a professional, efficient person who gave me information about the Institution and the process to open a CD.”

– Gail



“Super fast website. Love how your bank syncs up with my bank to provide funding…Go Crescent Bank!”

– Johnny



“The people at Crescent with whom I have spoken on the phone were very helpful. I appreciate the customer service.”

– Tee-Ann



“Crescent Bank has the absolute best customer service!”

– Craig


Further questions? Call 877-831-3334

Open a CD Now