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Certificate of Deposit (CD)

Fixed Rates, For Sure Returns1

Open Your CD CD Rates

Earn Even More

guaranteed growth on your savings

Charlotte Metro’s Certificate of Deposit (CD) accounts produce a guaranteed rate of return on your savings. Get started with a minimum $500 opening deposit and choose your 6- to 60-month term. Dividends are compounded and credited monthly.

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ALL ABOUT CDS

what to know before opening your new account

Check out some of these frequently asked questions to determine if a Certificate of Deposit (CD) account is right for you!

how do cds work?

when should i choose a cd?

are there any fees?

is there a required opening deposit?

can you add money to a cd account?

are cds insured by ncua?

CD Rates

watch your savings grow

Fresh-Start-Icon_Green
$500 min. Deposit

regular cd accounts

6-month: 1.10% APY*
12-month: 1.20% APY*
15-month: 2.25% APY*
18-month: 1.30% APY*
21-month: 2.50% APY*
24-month: 1.40% APY*
36-month: 1.50% APY*
48-month: 1.50% APY*
60-month: 1.90% APY*
senior 18-month: 1.40% APY*

Money-Stacked-Icon-Green
$50,000 min. Deposit

jumbo cd accounts

6-month: 1.25% APY*
12-month: 1.35% APY*
18-month: 2.75% APY*
24-month: 1.55% APY*
36-month: 1.65% APY*
senior 18-month: 2.75% APY*

HOW MUCH WILL MY CD BE WORTH?

certificate of deposit calculator

Easily calculate the amount of interest you could earn by the end of your CD’s term.1

certificate of deposit calculator

Easily calculate the amount of interest you could earn by the end of your CD’s term.1

ok, so here’s the fine print:

Let's Get Started

how to open your certificate of deposit

i'm a member

Follow these simple steps to open your new CD Account:

  • Simply log in to Online Banking
  • Navigate to the Accounts tab
  • Select Add Products in the dropdown menu to get started

Log In

i'm new here

Here’s what you’ll need to get started:

  • Proof of Identity (current driver’s license or state-issued ID)
  • Social Security Number
  • A minimum opening balance of $5 to open your Primary Savings account (Why $5 >)
  • The routing number and account number of a valid checking account, debit, or credit card

Open Your Account