GROW YOUR SAVINGS WITH A

CERTIFICATE OF DEPOSIT

Choose your term, lock in a fixed rate, and earn a guaranteed return on your savings with an INTRUST Certificate of Deposit (CD).

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Current CD rates

Compare current CD terms and Annual Percentage Yields (APYs) to find the option that best fits your savings timeline and goals.

6-month CD

2.70% APY
  • $500 minimum opening deposit1
  • FDIC insured up to maximum amount allowed.
FIND A LOCATION

Additional CD terms available. Please call or visit a banking center for more details.

Rates may vary by bank location. Annual Percentage Yields (APYs) quoted are accurate as of  and are subject to change without notice.

Open an Account

Open a new Certificate of Deposit account online, or visit a nearby banking center to open a new account.

Open Now

Why choose an INTRUST Bank CD?

INTRUST Bank CDs are a reliable way to grow your savings, with fixed rates, FDIC protection, competitive returns, and convenient account access.

FDIC Insured

Your deposits are protected up to $250,000 per depositor.

Guaranteed Return

Lock in your fixed rate and know exactly what you'll earn throughout your CD term.

Online & Mobile Access

Track your CD anytime through online banking or our mobile app.

Competitive Rates

Competitive CD rates across a range of terms helps you earn more.

Calculate your CD earnings

Enter your deposit and select a term, then click Calculate.

This calculator is provided for your convenience. The accuracy of the calculation is not guaranteed. It is not intended as an advertisement, a disclosure statement under any consumer law, or an offer of tax, legal, financial or investment advice, and the calculator is not guaranteed to be applicable to your circumstances. It is not a guarantee of the availability of any particular loan product or interest rate or an offer to make a loan.

Frequently asked questions

A Certificate of Deposit (CD) is a savings account that earns a fixed, guaranteed interest rate for a set period, called a term. You can use it alongside other savings methods as part of an overall savings plan.

Deposit your money, choose your term, and earn a fixed rate until the CD matures. CDs typically offer higher rates than standard savings accounts because your money stays deposited for the full term. If you withdraw early, a penalty may apply.

INTRUST Bank offers Certificate of Deposit (CD) terms ranging from 3 months to 5 years.

Whether you want a short-term option or a longer commitment, you can choose a timeline that fits your broader savings strategy.

For most terms, you can open an INTRUST CD with as little as $500 when you select automatic renewal.

For 3-, 6-, and 9-month CDs without automatic renewal, the minimum to open is $2,500.

Yes, but an early withdrawal penalty applies.

  • For Certificates of Deposit (CD) with terms of 12 months or less, the penalty is three months of interest.
  • For terms longer than 12 months, the penalty is six months of interest.

We recommend choosing a term that aligns with when you expect to need the funds.

Interest compounds daily and is credited to your account based on the term of your Certificate of Deposit (CD). You can choose to have interest added back to the CD or deposited into an INTRUST checking or savings account.

Yes. INTRUST Bank Certificates of Deposit (CD) are FDIC insured up to $250,000 per depositor.

Your Certificate of Deposit (CD) automatically renews at the standard rate for the selected term at the time of maturity. You have a 10-day grace period after the maturity date to deposit additional funds, change your term, or withdraw your money without penalty.

Both are safe places for your money, but they work differently.

A savings account lets you access your funds anytime and earns a variable rate. A Certificate of Deposit (CD) locks in a fixed rate for a set term, which typically means a higher return, and your money stays in the CD until the term ends or you pay a penalty for early withdrawal.

A CD is a good fit when you don't need immediate access to your funds and want a predictable return.

Learn more about CDs

Explore our educational articles to better understand how CDs fit into your savings strategy and how to make the most of your money.

financial-education

Save Smarter: What Are CDs and How Do They Work?

10/01/2019
Certificate of Deposits are one of the tools you can leverage that you might not have considered as you work towards achieving your financial goals.
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The Benefits of Saving Money: Set Goals, Spend Less and Save More

07/25/2019
The average American isn't saving nearly enough. Learn about why saving is critical and get tips for how to get started.
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savings

How to Save Money: Creating a Strategy

05/17/2022
Create a savings strategy that works for you. Learn how to identify your goals, evaluate your needs, and choose efficient methods.
Read More

A certificate of deposit is an account where the customer generally does not have a right to make withdrawals unless the deposit is subject to an early withdrawal penalty. Withdrawals will reduce earnings. Substantial penalty for early withdrawal.

For more details, review our Truth in Savings Disclosure for Personal Accounts, Personal Accounts Fee Schedule, Your Ability to Withdraw Funds from Your Deposit Account, and our Terms and Conditions for Your Deposit Accounts.

1. $500 minimum deposit if automatic renewal, or $2,500 minimum opening deposit if not automatic renewal. When you select automatic renewal, once the term expires, you have 10 calendar days to add or change the term with no penalty. You generally cannot make withdrawals without an early withdrawal penalty.