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.
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
Product Highlight: 5- and 9-Month CD Specials
Two ways to earn BIG—choose the term that’s right for you!
Effective as of 07/24/2026
| Term | Program | Annual Percentage Yield (APY)2 | Minimum Daily Balance to Earn APY2 |
|---|---|---|---|
| 5 Month | Fixed Rate CD Special | 3.70% | $2,000.00 |
| 9 Month | Fixed Rate CD Special | 3.65% | $2,000.00 |
Certificate of Deposit Rates
Effective as of 07/24/2026
| Term | Program | Annual Percentage Yield (APY)2 | Minimum Daily Balance to Earn APY2 |
|---|---|---|---|
| 5 Month | Fixed Rate CD Special | 3.70% | $2,000.00 |
| 6 Month | Fixed Rate CD | 0.10% | $2,000.00 |
| 9 Month | Fixed Rate CD Special | 3.65% | $2,000.00 |
| 12 Month | Fixed Rate CD | 0.15% | $2,000.00 |
| 18 Month | Fixed Rate CD | 3.00% | $2,000.00 |
| 24 Month | Fixed Rate CD | 3.25% | $2,000.00 |
| 36 Month | Fixed Rate CD | 3.25% | $2,000.00 |
| 48 Month | Fixed Rate CD | 3.25% | $2,000.00 |
| 60 Month | Fixed Rate CD | 3.25% | $2,000.00 |
| 18 Month | IRA CD (Variable Rate. Annual Percentage Yield subject to change after the account has been opened. Minimum balance to open is $200.00.) | 3.00% | $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 A penalty will be assessed on funds withdrawn prior to maturity on all CDs. This is a limited time offer and may be withdrawn at any time.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.