CDs & IRAs

SPECIAL RATE!

4.00% APY** Advantage Promo CD

6-month term  |  $500 to open
Limitations apply. See details below**.

Open Your CD View CD Rates
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High-Yield CD Rates – Start Earning More Today

6-Month Promo CD
APY*
3.75%
Open Your CD
12-Month Promo CD
APY*

3.50%
Open Your CD
30-Month Flex CD Promo¹
APY*
2.75%
Open Your CD

Grow your savings safely with CDs and IRAs

A CD and IRA offer guaranteed returns and low starting balances. You choose how long to save while enjoying the freedom to reinvest or adjust your plan. It's a secure, flexible way to build for your financial future.

  • Guaranteed growth with a fixed APY
  • Flexible maturity dates from six to sixty months
  • Reinvest your deposits at maturity or ladder multiple certificates of deposit

What is a CD?

A Certificate of Deposit (CD) is a type of savings account that earns interest when kept in the account for a pre-determined length of time. There are penalties to withdraw money from the account before the account has “matured” or reached the end date. However, you can choose the length of time that works best for you, that’s why CDs come in so many different terms!

Benefits of a Flex CD

Flex CDs offer the same secure savings from a traditional CD, plus added flexibility to fit your financial goals. A Flex CD is a smart option if you’re looking to grow your savings—but still want a little flexibility along the way.

  • One-time penalty-free withdrawal—Access up to 25% of your principal during the term, without losing any earned interest.
  • One-time rate bump—If our CD rates go up during your initial term, you can take advantage of a one-time rate upgrade.
  • One-time additional deposit—Add to your account with one extra deposit (up to your original deposit amount) during the term.
  • NCUA insured—Your money is federally insured and protected.

Flex CD benefits apply to CD accounts only and are not available for IRAs. 

Ready to lock in a great CD rate?

Open a CD Today

 

Don't have online banking yet? Enroll now or visit a branch.

Why Choose an IRA?

An Individual Retirement Account (IRA) is an easy, inexpensive, and low-risk investment option that allows anyone to be able to save for retirement. Enjoy tax-deferred earnings and, in some cases, tax-deductible contributions.*

*Please consult your tax advisor.

Open an IRA Today

 
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Did you know?

You can create a CD Ladder Investment Strategy! Open multiple certificates each with a different maturity month or year so that you have money maturing on a regular basis, providing penalty-free access.
  • Choose terms at intervals that work for you – every year or more frequently if you think you might need access to your funds sooner.
  • There is no limit to the number of CDs in your “ladder.” With a minimum deposit of $500, you choose the amount and maturity date of each certificate.
See Rates

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**4.00% APY 6-month Advantage Promo CD
Annual Percentage Yield (APY) accurate as of 3/09/2026. Rates and terms may change without notice. Offer available to new members of St. Mary’s Bank only (you must not have been a member of St. Mary’s Bank on or before 8/31/2025). St. Mary's Bank is a member-owned credit union. Membership requires the purchase of one $5 share of stock. Minimum deposit of $500 required to open and earn the stated APY. Funds must be new money not currently on deposit with St. Mary’s Bank. Rate is guaranteed from time of opening to maturity. Subject to penalty for early withdrawal. Fees may reduce earnings. Federally insured by NCUA.

*Annual Percentage Yield (APY) accurate as of 3/3/2026. $500 minimum opening deposit required. Fees may reduce earnings. Interest rates for CD's and CD IRA's are guaranteed from time of purchase to maturity. Subject to penalty for early withdrawal. Rates and terms subject to change.

1. Flex CD. One time penalty free withdrawal up to 25% of the principal balance. One time rate upgrade during initial term. One-time additional deposit during initial term not to exceed original deposit amount. CD only – IRA ineligible for promotion.