Certificates of Deposit (CDs) Certificates of Deposits (CDs) offer a secure way to save money for a set period of time, usually with a higher interest rate than a standard savings account. CDs & IRAs OverviewIRAsIRA CDs Our risk-free, fixed-rate CDs bring guaranteed returns at competitive interest rates – no matter what happens in the financial markets. Top Features Choose the term that works best for your personal situation, whether that’s 6 months or 5 years Fully insured1 Open Online Open at a branch Product Highlight: 5- and 9-Month CD Specials Two ways to earn BIG—choose the term that’s right for you! Effective as of 02/18/2026 TermProgramAnnual Percentage Yield (APY)2Minimum Daily Balance to Earn APY25 MonthFixed Rate CD Special3.70%$2,000.009 MonthFixed Rate CD Special3.65%$2,000.00 Open Online Certificate of Deposit Rates Effective as of 02/18/2026 TermProgramAnnual Percentage Yield (APY)2Minimum Daily Balance to Earn APY25 MonthFixed Rate CD Special3.70%$2,000.006 MonthFixed Rate CD0.10%$2,000.009 MonthFixed Rate CD Special3.65%$2,000.0012 MonthFixed Rate CD0.15%$2,000.0018 MonthFixed Rate CD3.25%$2,000.0024 MonthFixed Rate CD3.25%$2,000.0036 MonthFixed Rate CD3.25%$2,000.0048 MonthFixed Rate CD3.50%$2,000.0060 MonthFixed Rate CD3.50%$2,000.0018 MonthIRA CD (Variable Rate. Annual Percentage Yield subject to change after the account has been opened. Minimum balance to open is $200.00.)3.25%$10.00 1All Bluestone Bank deposit accounts are insured by the FDIC up to $250,000.00 per depositor, with the excess over $250,000.00 insured by the DIF. 2Annual Percentage Yield (APY) is subject to change. Interest is compounded daily and credited monthly. Minimum deposit to open is $2,000.00. A penalty will be assessed on funds withdrawn prior to maturity on all CDs. This is a limited time offer and may be withdrawn at any time. Your Personal Bankers Our Personal Bankers play a crucial role in helping you understand your current financial position and future goals. We’re here to guide you towards a more confident relationship with your finances. Learn More
