HIGH YIELD CD ACCOUNTS

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4.40% APY0

4.25% APY1

5-Month CD

9-Month CD

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We Offer Competitive Rates
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5 Month CD Account

4.40% APY0 $10 $500 $0

9 Month CD Account

4.25% APY1 $10 $500 $0

13 Month CD Account

4.00% APY2 $10 $500 $0

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Why a Certificate of Deposit (CD)?

Our CDs give you secure growth with no maintenance fees and puts you in control of how you save. Plus, your CD interest rate stays the same — from day one until your account reaches maturity.

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CD Account Benefits

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Low Opening Deposit

A minimum balance of $500 is required to open a Certificate of Deposit (CD).

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Fully Insured

CDs are insured through the FDIC up to $250,000 per depositor, and covered in excess by the DIF.

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Grow Your Money

Let your money steadily grow at a fixed rate over the CD term.

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No Market Risk

Your CD’s performance isn’t tied to market variability, so there’s no risk involved.

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Easy to Open

Visit a branch nearest you to open a CD account today.

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Prompt Customer Service

We work closely with our clients to deliver superior services and solutions to meet all their banking needs.

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Deposits Insured in Full

We’re a member of both the Federal Deposit Insurance Corporation (FDIC) and the Depositors Insurance Fund (DIF). The FDIC insures each depositor to at least $250,000, and DIF insures the rest. The combination of FDIC and DIF insurance provides full deposit insurance on all of your deposit accounts.

No depositor has ever lost a penny in a bank insured by both the FDIC and the DIF. Learn more about deposit insurance policy at bankprov.com/DIF.

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CD Account FAQs

A certificate of deposit (CD) account allows you to save money for a fixed length of time (or term) and often do not allow withdrawals during the terms without a penalty. In return for keeping your money in the CD, you earn a fixed interest rate until maturity. This makes CD accounts an excellent choice for those looking for reliable savings account interest rates that do not need immediate access to the funds.

The interest you earn on your CD account depends on the amount you deposit, the specific term, the interest rate, any fees charged, and if you decide to take any early withdrawals. Review our current CD rates and terms on this page to see how much you can earn and find the best option for your savings.

Once your CD matures, you have a 10-day (calendar days) window called a grace period where you can choose one of three options:
  1. Withdraw your money and transfer it to another account.
  2. Add money to your CD account prior to renewal to boost your high yield savings.
  3. Allow your CD to renew for another term.
 

0Annual Percentage Yield (APY) on the 5-month term CD is effective as of 1/21/2025 and is subject to change at any time. Minimum balance of $500 is required to open a Certificate of Deposit (CD). Minimum balance to earn APY on CDs is $10. A penalty will be imposed for early withdrawal. Fees or early withdrawal of interest may reduce earnings.
1Existing IRA accounts are only eligible for the 9 Month CD for CD renewals and inherited IRAs. Moonstone Bank does not open new IRA accounts. Annual Percentage Yield (APY) on the 9-month term CD is effective as of 12/24/2024 and is subject to change at any time. Minimum balance of $500 is required to open a Certificate of Deposit (CD). Minimum balance to earn APY on CDs is $10. A penalty will be imposed for early withdrawal. Fees or early withdrawal of interest may reduce earnings.
2Annual Percentage Yield (APY) on the 13-month term CD is effective as of 12/24/2024 and is subject to change at any time. Minimum balance of $500 is required to open a Certificate of Deposit (CD). Minimum balance to earn APY on CDs is $10. A penalty will be imposed for early withdrawal. Fees or early withdrawal of interest may reduce earnings.