Low Risk with High, Steady Returns
Secure an APY that outperforms standard savings accounts.
Growing Savings: Fast and Simple
Best CDs for Guaranteed Returns
At Community Savings, your hard-earned money deserves more. Customize your CD with terms that fit your lifestyle within minutes. Open a 12-month CD and earn 3.80% APY* and grow your savings with confidence!
Goals That Can Be Achieved Faster
CDs are a great fit if you’re saving for a home, planning for school, setting aside money for future goals like big events or vacation, or just looking to earn more on funds you won’t need right away.
CDs are a Good Fit If You...
Have Savings You Do Not Need to Access Right Away
Prefer Predictable Growth for a Long-Term Goal.
Want a Guaranteed and Low-Risk Way to Earn More than a Standard Savings Account.
If you Already Have Emergency Funds Set Aside and Want to Earn More on Extra Savings.
140+ Years of Secure Banking You Can Trust
Quick and Simple Process
Quick to open. Simple to fund. Designed for your convenience.
Flexible Terms and No Hidden Fees
Have peace of mind with no hidden fees. Enjoy flexible terms that fit your goals.
Get Started to Grow Your Savings
Grow Your Wealth with Stability
Maximize Your Savings
- No Hidden Fees.
- No Monthly Maintenance Costs.
- Low Opening Balance.
- Flexible Terms.
- Simple to Open and Easy to Manage.
- 12-month CD with 3.80% APY* Earnings
What Our Customers Are Saying
"Great bank! Friendly, helpful, and everything you need to make banking easy."
Thomas D. | Google Review
"I've used this bank for 15 years and never had a single issue. I refuse to bank anywhere else."
Kim A. | Google Review
"Great customer service! They were wonderful in setting up my accounts today and also very quickly. All very friendly, glad I made the decision to switch banks !"
Taylor B. | Google Review
"Great customer service and always friendly tellers. Love my hometown bank!!"
Santa C. | Google Review
FAQs - Everything You Need To Know About CDs
How do I open a CD with Community Savings?
It’s simple! Click “Open Your CD Account Now,” choose your term and deposit amount, and fund your account. It will only take a couple of minutes to get started!
What happens if I need to withdraw early?
CDs are designed for long-term savings, but if you need access to funds before maturity, an early withdrawal penalty may apply.
How does interest compound?
Interest is compounded daily and credited monthly, maximizing your earnings.
What is the minimum deposit requirement?
You can open a Community Savings CD with as little as $1,000.
Is my deposit insured?
Yes! Your money is FDIC insured up to $250,000, ensuring complete security.
Have More Questions?
*The Annual Percentage Yield (APY) is effective as of 11/18/25 and is subject to change without notice. A $1,000 minimum deposit is required to open the account. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.
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