Earn more,
more quickly
Get up to 4.06% APY back on short-term CDs
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Make your money work smarter
Certificates of deposit let you focus on what’s important today, while they earn you more for tomorrow. With Ent CDs, you get flexible terms and options that put you in control of how long — and how much — you save. They also let you safely grow your money without worrying about the uncertainties of today’s market.
Choose the CD that's right for you
Short-term CD
Rate: 4.00% - 4.06% APY1
Best for: Reaching your short-term savings goals sooner
Terms: 3-5 months, 6-11 months
Good to know:
- Lock in a great rate
- Access your money sooner with a short term
- Choose the term that fits your savings goals
Minimum deposit: $500
Flex CD
Rate: 2.99% - 3.04% APY1
Best for: The stability of a CD with the flexibility to save on your terms
Terms: 24-36 months
Good to know:
- Bump your rate once if rates go up2
- Make a one-time withdrawal of up to 50% of your balance3
- Make a one-time deposit of $1,000+ in the first 12 months4
Minimum deposit: $1,000
Long-term CD
Rate: 3.09% - 3.82% APY1
Best for: Peace of mind if the market goes down with a locked-in, long-term rate
Terms: 12-84 months
Good to know:
- Save with a guaranteed rate that won’t sweat if the market dips
- Choose the term that fits your long-term savings goals
- Rest easy without the hassles of playing the market
Minimum deposit: $500
Ready to earn more?
Which CD is right for you?
Current CD rates
| Product | Dividend Rate | APY** |
|---|---|---|
| 3-5 Month Certificates | 3.99% | 4.06% |
| 6-11 Month Certificates | 3.93% | 4.00% |
| 12 Month Certificate | 3.76% | 3.82% |
| 24-29 Month Flex Certificates | 3.00% | 3.04% |
| 30-35 Month Flex Certificates | 2.97% | 3.01% |
| Product | Dividend Rate | APY** |
|---|---|---|
| 3-5 Month Certificates | 3.99% | 4.06% |
| 6-11 Month Certificates | 3.93% | 4.00% |
| 12 Month Certificate | 3.76% | 3.82% |
| 13-17 Month Certificates | 3.76% | 3.82% |
| 18-23 Month Certificates | 3.19% | 3.24% |
| 24-29 Month Certificates | 3.10% | 3.14% |
| 30-35 Month Certificates | 3.07% | 3.11% |
| 36-41 Month Certificates | 3.05% | 3.09% |
| 42-47 Month Certificates | 3.08% | 3.12% |
| 48-53 Month Certificates | 3.10% | 3.14% |
| 54-59 Month Certificates | 3.14% | 3.18% |
| 60 Month Certificate | 3.16% | 3.21% |
| 84 Month Certificate | 3.46% | 3.52% |
| 24-29 Month Flex Certificates | 3.00% | 3.04% |
| 30-35 Month Flex Certificates | 2.97% | 3.01% |
| 36 Month Flex Certificate | 2.95% | 2.99% |
| My Savings Starter Certificate | 2.03% | 2.03% |
| My Savings Builder Certificate | 4.89% | 5.00% |
| Youth Certificate ** | 3.95% | 4.02% |
Future earnings you can look forward to
Get a preview of the interest your CD will earn. The “Annual Percentage Yield” (APY) is the annual rate of return after factoring in your compounding interest.
Results from this calculator are hypothetical and are for illustrative purposes only. Calculators should be used as a self-help tool only and do not consider the impact of fees that may apply. Results may not be applicable to your individual situation and do not constitute an offer. We encourage you to seek advice and guidance from a qualified professional regarding all personal finance issues. Actual terms may differ.
The calculator utilizes an average of 30.42 days per month in its calculation.
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Certificate of Deposit FAQs
A certificate of deposit (CD) is an account that allows you to store your money for a set number of months and earn dividends on that cash. Generally, the longer you keep the money in your account (i.e. the longer the term), the higher rate you can earn. You will usually not be able to access the money in this account before the end of the term. At maturity, your CD will automatically renew for the same term length you chose originally.
A certificate of deposit (CD) has matured when it reaches the end of its term. At maturity, you can remove your funds from the account and access all the dividends you earned. Just make sure you notify us before maturity, so your money doesn’t automatically renew.
The rate for a Standard Certificate of Deposit will remain the same through the entire term. If rates go up or down during that time, your account will not be affected. If you select a Flex Certificate of Deposit, you will gain several advantages. First, you can use a one-time rate bump2 when rates increase in the middle of your term. Second, you have the option to add funds one time during the first year of the term.4 Finally, you can even withdraw money one time of up to 50% of the balance before the term has ended.3
If you put at least the minimum deposit into the CD and do not touch your funds for the length of the term, you won’t have to worry about penalties or fees. A penalty is imposed if funds are withdrawn before the maturity date. See full details in Ent’s Certificates of Deposit Disclosure under Important Account Information.
* APY - Annual Percentage Yield
1 Annual Percentage Yield (APY) Visit Ent.com/Rates for current rate information. $500 minimum deposit is required for Standard Certificates of Deposit. $1,000 minimum deposit is required for Flex Certificates of Deposit. A penalty may apply for early certificate of deposit withdrawal. Penalties could reduce your earnings. Certificates of deposit automatically renew at the current non-promotional rate upon maturity. Dividends are paid from current income and available earnings after required transfers to reserves.
2 Allows a member to change the dividend rate once during the term to the current Flex Certificate of Deposit Rate.
3 Allows the member a one-time withdrawal of up to 50% of the current balance during the term without an early withdrawal penalty.
4 Allows the member to add to the certificate of deposit once within the first year with an additional minimum deposit of $1,000.