$mart CDs (Term Share Certificates)

Earn a Higher Interest Rate Than a Savings Account

Feeling ambitious with your assets? We know a thing or two about increasing your earnings with practically no risk. Our Share Certificates earn higher interest than a regular savings account, and they come with fixed rates for guaranteed returns.

  • Competitive rates

  • Terms for six months to three years

  • Dividends paid monthly

  • Penalties apply for early withdrawal

  • CDs automatically renew at maturity

Traditional CD

6-Month, 1-Year, 2-Year, or 3-Year Certificate

  • Minimum opening deposit of $500.00

  • Minimum required balance of $500.00

  • Fixed rate

  • Dividends compounded and paid monthly on an average daily balance

  • Receive monthly statements

Expandable CD

1-Year, 2-Year, or 3-Year Expandable Certificate

Expandable CDs let you add cash at any time, so your cash can grow as you grow!

  • Minimum opening deposit of $100.00

  • Minimum required balance of $100.00

  • Minimum deposit of $25.00 or more at anytime up to maturity

  • Fixed rate

  • Option of 1, 2 or 3 year terms

  • Dividends compounded and paid monthly on an average daily balance of $100.00 or more

  • Receive monthly statements