Certificates of Deposit Overview
Lock in your interest rate, set your maturity date, and watch your savings grow. CDs come with some of the best interest rates we have to offer.
CDs are a great way to diversify your savings and put your money to work with no stock market risk.
With term lengths from 90 days to 60 months, a b1BANK CD is a simple and safe way to grow your money confidently over the long term.
When you open your CD, you won’t be able to withdraw your funds until your CD matures without incurring a penalty.
Rates and Terms
| Account Name (Term) | Interest Rate | Annual Percentage Yield (APY) | |
| 7 Month (Special)* | 3.54% | 3.60% | Open Account |
| 11 Month (Special)* | 3.93% | 4.00% | Open Account |
| 23 Month (Special)* | 3.40% | 3.45% | Open Account |
A $1,000 minimum deposit is required to open. APY indicates the total amount of interest you could earn on a deposit account for one year. APY assumes you will not deposit or withdraw funds for the entire year and that all interest will remain on deposit until maturity. As a result, your account's actual APY may vary. Substantial fees apply to early withdrawals which will reduce earnings. Interest rate effective as of 08/21/2026, subject to change at the Bank's discretion at any time without notice before the account is opened. * Indicates new money is required, funds not already on deposit at b1BANK.
| Account Name (Term) | Interest Rate | Annual Percentage Yield (APY) | |
| 3 Month | 1.00% | 1.00% | Open Account |
| 6 Month | 2.00% | 2.02% | Open Account |
| 9 Month | 2.00% | 2.02% | Open Account |
| 12 Month | 2.00% | 2.02% | Open Account |
| 18 Month | 2.00% | 2.02% | Open Account |
| 24 Month | 2.00% | 2.02% | Open Account |
| 36 Month | 1.70% | 1.76% | Open Account |
| 48 Month | 1.75% | 1.76% | Open Account |
| 60 Month | 1.75% | 1.76% | Open Account |
A $1,000 minimum deposit is required to open. APY indicates the total amount of interest you could earn on a deposit account for one year. APY assumes you will not deposit or withdraw funds for the entire year and that all interest will remain on deposit until maturity. As a result, your account's actual APY may vary. Substantial fees apply to early withdrawals which will reduce earnings. Interest rate effective as of 9/19/2025, subject to change at the Bank's discretion at any time without notice before the account is opened.
Looking to make a big purchase but prefer to hold onto your cash? b1BANK’s Secured Loans allow you to do just that.
See Secured Loans