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Fixed-Rate CDs

Steady and reliable, our Fixed-Rate CDs are ideal for consistent growth.

Competitive CD Rates

  • Fixed rate
    Set savings goals based on your rate of return.
  • Deposit more, earn more
    Get a higher rate with a larger balance.
  • Smart investment
    Your savings will increase throughout the term.
  • Patience rewarded
    Maximize your savings by choosing a longer term.

Diversify with CDs

Excess cash finds a natural home with our Fixed-Rate CDs, which allow you to earn solid interest rates on money you won't need for several months or years. Bolster your savings by reinvesting when your CD matures.

  • Choose terms from six months to five years
  • Municipalities can choose terms of less than six months
  • Minimum $1,000 deposit for terms of six months or longer
  • Interest can be automatically deposited into your Checking or Key Savings account

To apply for a Fixed Rate CD online, please choose from the options below.

To see all CD options that you can apply for with C&N, please visit our rates page and contact us for more information on how to apply.

Annual Percentage Yields (APYs) are effective for accounts opened from January 12, 2022 and until the next yield change, which is typically weekly.

Term MinBalance Rate APY
12 Months $1,000.00 .150% .15%
12 Months $10,000.00 .200% .20%
12 Months $25,000.00 .200% .20%
12 Months $50,000.00 .200% .20%
12 Months $100,000.00 and over .200% .20%

Apply Now

Annual Percentage Yields (APYs) are effective for accounts opened from January 12, 2022 and until the next yield change, which is typically weekly.

Term MinBalance Rate APY
24 Months $1,000.00 .150% .15%
24 Months $10,000.00 .300% .30%
24 Months $25,000.00 .400% .40%
24 Months $50,000.00 .400% .40%
24 Months $100,000.00 and over .450% .45%

Apply Now

Annual Percentage Yields (APYs) are effective for accounts opened from January 12, 2022 and until the next yield change, which is typically weekly.

Term MinBalance Rate APY
36 Months $1,000.00 .200% .20%
36 Months $10,000.00 .500% .50%
36 Months $25,000.00 .700% .70%
36 Months $50,000.00 .700% .70%
36 Months $100,000.00 and over .750% .75%

Apply Now

Annual Percentage Yields (APYs) are effective for accounts opened from January 12, 2022 and until the next yield change, which is typically weekly.

Term MinBalance Rate APY
48 Months $1,000.00 .300% .30%
48 Months $10,000.00 .750% .75%
48 Months $25,000.00 .950% .95%
48 Months $50,000.00 .950% .95%
48 Months $100,000.00 and over 1.000% 1.00%

Apply Now

Annual Percentage Yields (APYs) are effective for accounts opened from January 12, 2022 and until the next yield change, which is typically weekly.

Term MinBalance Rate APY
60 Months $1,000.00 .400% .40%
60 Months $10,000.00 .950% .95%
60 Months $25,000.00 1.100% 1.10%
60 Months $50,000.00 1.100% 1.10%
60 Months $100,000.00 and over 1.150% 1.15%

Apply Now

APY = Annual Percentage Yield
An interest penalty may be assessed if a Certificate of Deposit is withdrawn before maturity.

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