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Personal Certificates of Deposit (CDs)

When you’re ready to set money aside with confidence, a Certificate of Deposit (CD) offers a simple, dependable way to earn more. Unlock the power of time with Citizens Independent Bank CDs. You choose the term, lock in a fixed rate, and enjoy predictable growth at some of our most competitive rates.

A reliable way to earn more over time.

 
Our competitive CD rates make it easy to maximize your savings without unnecessary risk. Start with a deposit of at least $1,000 and then choose how you want to boost your savings. Save for a special purchase. Add extra padding to your financial cushion. Whatever your goal is, a Citizens Independent Bank Certificate of Deposit can help you reach it. Be confident knowing you'll come away with extra dollars when the CD matures, all from a safe investment.
 
Be confident knowing that once your rate is locked in, your return is guaranteed for the full term. At maturity, you’ll have the flexibility to access your funds, move them to another account, or reinvest to continue growing your savings.



Lock In Today's Personal CD Rates.

 
CD Term Rate APY Min. Balance
6 Month Certificate 2.98% 3.00% $1,000
7 Month Certificate 3.97% 4.00% $1,000
11 Month Certificate 3.94% 4.00% $1,000
1 Year Certificate
 1.00% 1.00% $1,000
5 Year Certificate 1.74% 1.75% $1,000





















































































































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Looking for more investment options?

While CDs offer guaranteed returns and stability, investment services may provide additional opportunities to help you reach your long-term financial goals. Let's find an approach that works for you.















    • Choose a term from 91 days to 5 years.
    • $1,000 minimum opening deposit.
    • Funds are FDIC insured up to FDIC limits (additional coverage available, see below).
    • No setup or maintenance fees.
    • At maturity, funds may be withdrawn, transferred to another CIB account, or reinvested.
    • Early withdrawals may be subject to penalty.
    • Guaranteed, fixed-rate earnings for the length of your chosen term.
    • Competitive interest rates that typically exceed traditional savings accounts.
    • Predictable growth without exposure to market volatility.
    • FDIC‑insured earnings for added peace of mind.
    If your CD balance exceeds standard FDIC coverage, expanded protection is available through IntraFi Personal Solutions.
     
    • Enjoy multi-million-dollar FDIC insurance through a single, trusted banking relationship at Citizens Independent Bank.
    • Keep your funds fully insured without moving money between institutions.
    • Choose options that match your needs for liquidity, returns, and peace of mind.







    Interest rates on all interest-bearing accounts are determined by the bank and may be adjusted at the bank's discretion. Annual percentage yield (APY) assumes principal and interest remain on deposit for the term of the certificate. A penalty may be assessed for early withdrawal. Fees could reduce the earnings on the account. Minimum deposit and method of compounding may vary on the certificates. Maximum deposit of $250,000. Certificates automatically renew upon maturity. Some CD’s may not be eligible for brokerage deposits, institutional investors or public funds. Rates effective October 14, 2026.
     
    We provide personal banking, business banking, mortgage lending, and financial services to businesses and individuals across the western Twin Cities. Explore our local banking locations in Saint Louis Park, Robbinsdale, Hopkins, and Plymouth to find the branch most convenient for you.