Time Deposits
One type of savings account is known as a Time Deposit. We offer a range of Time Deposit options - also known as a Certificate of Deposit (CD) - to help meet your savings goals. Use the chart below to see our current rates for each available Time Deposit term.
Traditional Time Deposit Accounts
Time Deposit accounts require a set amount of time before the withdrawal on the maturity date. Some people choose a Time Deposit because they enjoy the constraints of a Time Deposit to save money with more control. See our traditional terms and rates below.
Account Features:
- 3, 6, 12, 18, 24, 36 and 60 month terms
- $1,000 minimum deposit
| 3 months | 3.91% APY* |
| 6 months | 3.85% APY* |
| 12 months | 3.75% APY* |
| 18 months | 3.70% APY* |
| 24 months | 3.60% APY* |
| 36 months | 3.03% APY* |
| 60 months | 3.03% APY* |
*Annual Percentage Yield (APY) effective 12/05/2025. $1,000 minimum balance required to open a time deposit account and obtain the APY. Penalty for early withdrawal. Fees may reduce earnings. Rates subject to change. Interest cannot remain on deposit; payout of interest is mandatory.
Flex CD Account
If a traditional Time Deposit is not for you, try our more flexible option, the Flex CD. See our Flex CD terms and rate below.
Account Features:
- 24 month term
- $1,000 minimum deposit
- Make additional deposits up to your initial amount
- Withdraw your funds without penalty up to four times after the first week on deposit
- Increase your rate one time during the term
*Public entities not eligible.
| 24 Months | 3.55% APY* |
*Annual Percentage Yield (APY) effective 12/05/2025. $1,000 minimum balance required to open a time deposit account and obtain the APY. Penalty for early withdrawal. Fees may reduce earnings. Rates subject to change. Interest cannot remain on deposit; payout of interest is mandatory.
Ready to open an account?
Please contact your nearest Security First Bank to open an account.
