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Certificates Of Deposit

Get a fixed interest rate based on the term that best fits your needs

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Lock in a higher interest rate with a CD and watch your money grow

These accounts are ideal for large fund deposits that you will not need access to for a few months.  Choose from a variety of short and medium term maturity options.

Enjoy the following benefits with all Cumberland Security Bank certificates of deposit:

Additional Account Details:

  • $1,000 minimum deposit to open
  • Terms range from three (3) months to sixty (60) months
  • Interest details:
    • Simple interest calculation1
    • Interest is credited to the account or paid to you according to the terms of the CD
    • Interest is computed using the Daily Balance2
    • The interest rate on your account will be paid until the maturity of your certificate.
  • No additional deposits may be made into your CD after it has been opened.
  • The annual percentage yield (APY) assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Withdrawals made before the maturity date may result in the following penalties:
CD TermPenalty

<12 Months

6 months' interest

12+ Months

12 months' interest

1Interest calculation is either simple or compound. Simple interest is interest paid only on the original balance. Compound interest is interest paid on the original balance plus the accrued interest.

2The Daily Balance is determined by the application of a daily periodic rate to the principal in the account each day.


CD Rates


3 months



6 months



7 months



11 months



12 months



24 months



36 months



48 months



60 months



Rates current as of July 12, 2024.

Rates subject to change without notice.

*Annual Percentage Yield. The APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings.

Minimum Balance Requirement: A minimum deposit of $1,000.00 is required to open the account, and you must maintain a minimum balance of $1,000.00 on a daily basis to earn the APY.

Monitor your CD balances with our electronic banking services

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Online Banking

Manage your account from anywhere Internet is available.

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Mobile Banking

Do your banking on the go with our CSB Mobile app.

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Text Banking

Check your balance with a simple text message.

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Achieve Your Savings Goals

Use our financial calculators to help you determine the best way to invest your money so you can accomplish your goals.