What is a Certificate of Deposit (CD)?

No surprise, Certificates of Deposit (CDs) are one of the most popular ways to grow your money. Tailored to your savings timeframe with attractive and predictable rates of return, CD accounts also provide the extra confidence that comes with FDIC insurance.† † †

Learn more about our Certificate of Deposit options below. Then, put your personal savings strategy into action by visiting one of our branches.

 
 
 
 

Types of Certificates of Deposit

12-MONTH CD

18-MONTH CD

3-YEAR CD

Choose-Your-Term CD Accounts

Flexible and safe, with varying terms.

  • Select from terms of 3 months to 5 years.
  • Begin with as little as $500.
  • Enjoy the flexibility of having your interest go back into your CD account, or transferring it to your checking, savings, or money market savings account if you need it.

Next Steps

Want to learn more about CD rates and CD account options? Stop by your nearest branch, or call or email us today to speak with a Personal Banking Representative.

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Email Us

Email us to learn more about your CD options.

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Visit Us

Stop in and see us. Use our handy locator to find your nearest branch.

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Call Us

We'd love to hear from you.
Call us at 1.877.768.2265.

 
 
 
 

May We Also Suggest?

† †Minimum deposit of $500 and any personal Santander® checking account to open a Retail (nonJumbo) CD and minimum deposit of $100,000 and any personal Santander® checking account to open a Jumbo CD and receive the annual percentage yield (APY) shown above. A penalty will be imposed for early withdrawal from a CD. APY is accurate and effective at this branch as of November 3, 2018 and may change thereafter for new accounts. Rate is available when account is opened within the residential zip code entered. Rates in other locations may vary. Fees may reduce earnings on the account. Offer is subject to change at any time. Contact a banker for further information about applicable fees and terms.

† † † There is a maximum of $250,000 of deposit insurance from the FDIC for each category of account ownership. Please visit fdic.gov for details.

▲▲▲Santander® Ultimate Cash Back® Annual Percentage Rates (APRs) and Fees: 3% introductory Annual Percentage Rate (APR) for 12 billing cycles on balance transfers made within 90 days of opening your account. After the introductory period, a variable APR for balance transfers from 16.49% to 25.49% based on the Prime Rate and your creditworthiness. There is no grace period on balance transfers. Also if you take a balance transfer offer, this means that unless your purchase APR is at an introductory or promotional 0% APR, you will pay interest on new purchases from the date made if you do not pay all balances, including the promotional balance transfer, in full by the next payment due date appearing on your statement. Balance Transfers cannot be used to pay off another Santander credit card, Santander loan or line, or another institution’s loan balances or card balances if they do not accept our electronic payments. Variable APR for purchases from 16.49% to 25.49% based on the Prime Rate and your creditworthiness when you open your account. Cash advance APR of 26.99%. Minimum finance charge of $1.50. Penalty APR of 31.99%, and loss of any introductory or promotional rate, if any, which may apply indefinitely to your account if you miss or make a late payment or otherwise default. There are no Annual, Balance Transfer, Cash Advance, Foreign Transaction, or Returned Payment fees. Finance charges still apply. Each time we do not receive the Minimum Payment Due in full by the Payment Due Date, we will charge you a Late Fee of $25 for the first late fee in a 6-month period and a $35 fee for each late payment until there are 6 consecutive months with no late payments. However, we will never charge a Late Payment Fee exceeding the Minimum Payment Due that is late. Rates effective as of . Rates are subject to change. 1.5% Cash back is earned on new net retail purchases (qualifying purchases less credits, returns, and adjustments) and can be redeemed for statement credit, gift cards, electronic certificates, or merchandise. Cash back cannot be earned on balance transfers, cash advances, purchases of money orders and other cash equivalents, purchases made by or for a business purpose, fees, interest charges, unauthorized / fraudulent transactions, and certain other charges. Cash back balance does not expire for accounts in good standing. Earn $100 cash back via statement credit after you spend $500 on net new retail purchases within the first 90 days of opening your account, provided the account is in good standing. This credit can take up to 6 weeks to be processed. Other terms and conditions apply. Credit card accounts are subject to approval.

± Investments must be held with Santander Investment Services.

± ± Santander considers Direct Deposits to be automatic electronic deposits made to your account by someone else, such as an employer issuing payroll or a government paying benefits. It may not include deposits to your account that are made by an individual using online banking or an internet payment provider.

¤¤You can withdraw or transfer funds from a savings or money market savings account a total of six (6) times per service fee period (such as by automatic or pre-authorized transfers using telephone, Online Banking, or Mobile Banking, Overdraft Protection, Payments to third parties, Checks, Drafts, and Debit Card purchases). Fees apply if you exceed these limits and, if you repeatedly exceed these limits, we will convert your account to a non-interest bearing checking account.

¤Accounts must be in good standing. Applies to net purchases only.

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