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Online Certificates of Deposit (CDs)

Lock in a high-yield rate. No matter what happens to the market, your return is guaranteed until the end of your term.

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Online Rates and Terms*

*Rates listed online may differ from those offered in-branch. Please call 877-831-3334 for current in-branch rates.

Available Terms

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

Annual Percentage Yield1

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Questions? Call 877-831-3334

1 Annual Percentage yield effective 08/10/2020 and subject to change at any time and is based on interest compounding quarterly.

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


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


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


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


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


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 Social Security number, driver’s license or state ID and home address handy. If you plan to fund the CD with money from an account at another bank, you should have those routing and account numbers ready.

Once you apply for your CD and are approved, you will receive step-by-step instructions to deposit money in the account. You can supply funds by mailing a check, transferring from an account at Crescent Bank or transferring from an account at another financial institution.

You can only add funds to your CD 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.

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.


"I was assisted during a time when I had to take over finances. They showed patience and understanding and answered in detail any question I asked. The experience exceeded my expectations."

– Marion



"Always excellent customer service, friendly, never feel rushed and I love the personal touchI receive. I mostly see my banker, however if she’s not available I am always given a warm greeting by whoever is taking her place. Everyone goes out of their way to assist."

– Carol

Further questions? Call 877-831-3334

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