Certificates of Deposit (CDs)

Certificates of Deposits (CDs) offer a secure way to save money for a set period of time, usually with a higher interest rate than a standard savings account.

Our risk-free, fixed-rate CDs bring guaranteed returns at competitive interest rates – no matter what happens in the financial markets.

Top Features

Choose the term that works best for your personal situation, whether that’s 6 months or 5 years
Fully insured¹

Open Online

Open at a branch

Product Highlight: 5-Month CD

In addition to earning 3.90% APY², this unique CD offers the ability to withdraw your funds from the account one time per term with no penalty. This is especially helpful when life happens fast—your dream home is suddenly available? Your money is, too.

Effective as of 08/29/2025

Term	Program	Annual Percentage Yield (APY)²	Minimum Daily Balance to Earn APY²
5 Month	Fixed Rate CD	3.90%	$2,000.00

Open Online

Certificate of Deposit Rates

Effective as of 08/29/2025

Term	Program	Annual Percentage Yield (APY)²	Minimum Daily Balance to Earn APY²
5 Month	Fixed Rate CD	3.90%	$2,000.00
6 Month	Fixed Rate CD	0.10%	$2,000.00
10 Month	Fixed Rate CD	3.90%	$2,000.00
12 Month	Fixed Rate CD	0.15%	$2,000.00
18 Month	Fixed Rate CD	3.75%	$2,000.00
24 Month	Fixed Rate CD	3.50%	$2,000.00
36 Month	Fixed Rate CD	3.50%	$2,000.00
48 Month	Fixed Rate CD	3.50%	$2,000.00
60 Month	Fixed Rate CD	3.50%	$2,000.00
18 Month	IRA CD (Variable Rate. Annual Percentage Yield subject to change after the account has been opened. Minimum balance to open is $200.00.)	3.75%	$10.00

¹All Bluestone Bank deposit accounts are insured by the FDIC up to $250,000.00 per depositor, with the excess over $250,000.00 insured by the DIF.

²Annual Percentage Yield (APY) is subject to change. Interest is compounded daily and credited monthly. Minimum deposit to open is $2,000.00. A penalty will be assessed on funds withdrawn prior to maturity on all CDs—not including the 5-Month CD Special, for which the penalty will be waived on a one-time withdrawal or closure during the term – normal penalty applies thereafter. This is a limited time offer and may be withdrawn at any time.

Your Personal Bankers

Our Personal Bankers play a crucial role in helping you understand your current financial position and future goals. We’re here to guide you towards a more confident relationship with your finances.

Learn More