At Leighton State Bank, we believe in helping you grow your savings safely and effectively. Our Certificates of Deposit (CDs) offer a reliable investment option with competitive rates, perfect for those looking to earn more on their savings while enjoying the security of an FDIC-insured account.

Grow Your Savings
If you’re looking for a safe and secure way to invest, a Certificate of Deposit (CD) is an excellent choice. With a minimum balance requirement of just $500, you can enjoy a high-interest-rate CD that beats the interest rate you’d receive with a traditional savings account. CDs allow you to lock in a fixed interest rate for a specific term, helping you reach your financial goals without the risks associated with other investment options.
Flexible Maturities & Competitive Market Rates
We offer CD terms ranging from 3 months to 5 years, allowing you to choose an option that aligns with your savings timeline. Our competitive market rates make it easy to grow your funds while keeping them safe. Plus, we have a special Step CD available in 3- or 4-year terms, which allows you to increase your interest rate once during the term, giving you even more potential to earn!
Understanding Your Options
Certificates of Deposit (CDs) are a valuable tool for building financial stability. When considering whether to invest in them, there are several important options and factors to keep in mind:
Key Features of CDs:
- Fixed Interest Rate: Enjoy predictable returns over the term of your investment.
- Set Term Length: Choose from a variety of maturities that suit your financial needs.
- Early Withdrawal Penalties: Access to funds is limited until maturity, which helps you save more effectively.
- FDIC Insurance: Are CDs FDIC insured? Yes, your investment is protected up to $250,000, giving you peace of mind.
- Renewal Options: Some CDs automatically renew at maturity. Check if you have the option to withdraw funds or change terms upon renewal.
When considering a CD, think about your savings goals. If you need funds soon, a shorter-term CD might be the right choice. For longer-term goals, consider a high-yield CD with a higher rate that locks in your investment for several years.
Rates
Term | Interest Rate | APY* | Interest Paid |
---|
CD Rate Specials
Certificates of Deposits (CDs)
* Annual Percentage Yield (APY)
Rates effective 9/30/2024 and subject to change
$500 minimum balance for CDs
Early withdrawal penalties may apply. Fees, if any, may reduce earnings.
All deposits are FDIC insured to the applicable deposit insurance limit.
CD Laddering
If you’re concerned about rising interest rates or need flexibility, one option is CD laddering. This strategy involves opening multiple CDs with staggered maturity dates, allowing you to lock in higher rates while maintaining access to your funds.
We Serve Our Community
As your local bank, we’re committed to providing personalized service and expert guidance. Our experienced community bank teams are here to help you navigate your options and make informed decisions about your savings. We genuinely care about your financial success because we live and work in the same communities we serve.
Find Out How You Can Get Started
Ready to take the next step in growing your savings? Contact us or visit your local Leighton State Bank branch to learn more about our Certificates of Deposit, IRAs, and savings accounts and find the right option for you. Let’s work together to secure your financial future!