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.

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

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Product Highlight: 7-Month CD Special

Earn big with our 7-Month Fixed Rate CD Special! This offer features a 4.05% APY² and is only available for a limited time.

Effective as of 09/06/2025

Term	Program	Annual Percentage Yield (APY)²	Minimum Daily Balance to Earn APY²
7 Month	Fixed Rate CD Special	4.05%	$2,000.00

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Certificate of Deposit Rates

Effective as of 09/06/2025

Term	Program	Annual Percentage Yield (APY)²	Minimum Daily Balance to Earn APY²
6 Month	Fixed Rate CD	0.10%	$2,000.00
7 Month	Fixed Rate CD Special	4.05%	$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 A penalty will be assessed on funds withdrawn prior to maturity on all CDs. This is a limited time offer and may be withdrawn at any time. For the
7-month Fixed Rate CD Special, funds must originate from a CD that has matured on/after 9/2/25 or in new money not held at Bluestone Bank.

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