-
Meet your future savings goals with certainty
-
Competitive, fixed rate for length of term
-
Greater earnings than a regular savings account*
-
Interest accrues daily
-
No setup or maintenance fees
-
Federally insured by the FDIC up to $250,000
-
A wide range of terms available (6 months to 5 years)
-
Provides more guarantee than other, more risky investments
-
Automatic renewal at maturity**
-
Early withdrawals subject to penalty
Benefits of a Certificate of Deposit (CD)
*Fees may reduce earnings
**You have 10 days after maturity to change the terms of a CD or withdraw funds without penalty
*APY = Annual Percentage Yield. For the 7-month and 14-month CD Specials, the minimum amount to open the account and obtain the Annual Percentage Yield is $1,000. APY is accurate as of September 29, 2025. A penalty will be imposed for early withdrawal. Account fees may reduce earnings
Competitive Rates
Flexible Terms
Guaranteed Earnings
Low Risk Growth
Term | Minimum Balance To Open | Minimum To Obtain Yield | Rate | APY |
|---|---|---|---|---|
BLUE & GOLD SPECIAL | $1,000 | $1,000 | 3.60% | 3.63% |
10-MONTH SPECIAL | $1,000 | $1,000 | 3.74% | 3.80% |
182 DAY | $1,000 | $1,000 | 0.05% | 0.05% |
12 MONTH | $1,000 | $1,000 | 0.05% | 0.05% |
24 MONTH | $1,000 | $1,000 | 0.15% | 0.15% |
36 MONTH | $1,000 | $1,000 | 0.25% | 0.25% |
48 MONTH | $1,000 | $1,000 | 0.35% | 0.35% |
60 MONTH | $1,000 | $1,000 | 0.45% | 0.45% |
For the Blue & Gold and 10-month CD specials, the minimum amount to open the account and obtain the Annual Percentage Yield is $1,000. APY is accurate as of November 13, 2025. A penalty will be imposed for early withdrawal. Account fees may reduce earnings.
WHEN THE RACERS WIN, YOU WIN!
The Blue & Gold CD is tied to the success of the Murray State University Men’s and Women’s 2025-2026 Basketball Teams. Starting on November 3rd, 2025, for every regular and post season win, the certificate will earn 1 basis point (0.01%), OR if either Racer team wins the NCAA Championship game your CD rate will increase to 5.00%.
Blue and Gold CD special can only be a personal account. Non-negotiable. Penalty for early withdrawal. APY is valid as of 11/3/2025. Rate may change after account is opened. The Minimum to open and obtain the APY is $1,000.00. The available term is 6 months. Available for a limited time only from 11/3/2025 to 12/31/2025. Interest will be credited to your account one time at maturity. The annual percentage yield stated above assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Your CD will earn a minimum of 3.63% and a maximum of 5.00% depending on the season performance.
