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Get Our Best CD Rate
4.16%
APY* FOR 7 MONTHS
See Today’s CD Rates. Lock Yours In Now!
Rates as of March 31, 2026. Subject to change at any time.
What Can Today’s CD Rates Can Earn You?
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Select a CD offer and enter your deposit amount.
Guaranteed returns.
FDIC Insured.
No Maintenance Fees.
Have questions about CDs or need assistance?
Need more information or guidance on choosing the right CD? We're here to help! Reach out by phone for expert assistance tailored to your needs.
(888) 208-3146
Available Monday - Friday: 8:00 AM to 5:00 PM Central Standard Time excluding bank holidays.
Frequently Asked Questions About Certificates of Deposit (CDs)
Gain valuable insights into Certificates of Deposit (CDs) with this FAQ, designed to educate and guide you through the key aspects of CDs, ensuring you understand this investment option before committing your funds.
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What is a CD?
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A Certificate of Deposit (CD) is a special savings account where you put your money for a set period, known as a term. Unlike regular savings accounts with changing interest rates, CDs offer a fixed interest rate, usually higher, helping you reach your savings goals quicker. But remember, you can't take out your money before the term ends without paying a penalty.
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What is the difference between APY and APR?
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APY (Annual Percentage Yield) includes the effect of compounding interest, showing the total interest earned in a year, while APR (Annual Percentage Rate) only shows the simple interest rate without compounding. This is why APY is usually higher than APR for the same product.
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What are the requirements to open CD?
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Age and Citizenship: You must be at least 18 and a U.S. citizen to apply.
Information Required:
Social Security Number
Home address and a PO Box if needed
Valid ID (Driver’s License, State ID, Passport, Military ID)
Current email address
Date of Birth
Mobile Number
Employer Name, Occupation, Annual Income
Account and Routing Number of your current account for funding
Access to Adobe Acrobat Reader for viewing disclosures -
Can I add joint owners or beneficiaries to my CD?
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Joint Owners: You can add one during the account opening. They will also need to provide personal information as listed above.
Beneficiaries: Contact onlineaccount@fblake.bank or call 888-208-3146 to add beneficiaries.
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Can I add more money to my CD?
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You can't add funds to an existing CD but you can open new ones.
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How does the interest on my CD work?
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Less than 9 months term: Interest credited at maturity.
9 months or more: Interest compounded and credited quarterly. -
What happens at the end of my CD?
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At maturity you have 10 days to either withdraw, open a different CD, or let it renew automatically. The renewed CD might have a different interest rate.
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Can I take money out of my CD early?
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- The early withdrawal penalty depends on your term.
- For 3 to 9 months CDs: We may impose a penalty of $25 plus three months' interest.
- For 12 to 18 months CDs: We may impose a penalty of $25 plus six months' interest.
- For 24 to 48 months CDs: We may impose a penalty of $25 plus twelve months' interest.
- For 60 months CD: We may impose a penalty of $25 plus eighteen months' interest.
Note: Some CD terms might not be available online.
4558 Osage Beach Parkway, Suite 100 | Osage Beach, MO 65065
Email: onlineaccount@fblake.bank | Phone: 888-208-3146
*Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. APY is accurate as 2/27/2026. Rates subject to change at any time without notice. Penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. $5,000 minimum opening deposit to open the account online. $1,000 minimum to open the account in-person at branch. No institutional funds allowed. Other restrictions may apply. Contact bank for details.
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