Additional Services

Certificates of Deposit

Contact Us to Open an Account

Sunrise Banks Certificate of Deposit (CD) Accounts help you save more with higher, predictable rates of return. With a CD, you can choose a set period of time to earn a guaranteed fixed interest rate that’s higher than most personal savings accounts. Earn higher rates while investing in your future.

Certificate of Deposit Benefits

    Flexible terms

    Invest for the long- or short-term with predictable rates. We offer term lengths of 3, 6, 12, 24, 36, 48, and 60-months.

    Peace of mind

    All accounts FDIC insured up to $250,000.

    Competitive rates

    Earn a higher yield than a typical savings account.

    Low minimum balance

    Invest as little as $500 to open an account.

    Can help you save for a specific date or event.
    No monthly fees1

Current Rates

CD Term2Minimum Balance to Open the AccountMinimum Balance to Obtain the APYInterest RateAnnual Percentage Yield (APY)
3 Month3$500$5002.23%2.25%
6 Month3$500$5004.50%4.59%
12 Month3$500$5005.00%5.09%
24 Month3$500$5003.50%3.55%
24 Month Rate Protector4$500$5003.50%3.55%
36 Month3$500$5003.09%3.13%
48 Month3$500$5002.91%2.95%
60 Month3$500$5003.13%3.17%

Learn More about Certificates of Deposit


If you’re saving for a purchase or life event, a CD might be right for you. CDs offer better returns than traditional savings accounts and are risk-free for anyone who can save their funds for a fixed period. It’s important to recognize that CDs are not for short-term saving but an important staple for long-term planning. Learn more about how a Certificate of Deposit can help your bank account grow.

Learn More About CDs 

Certificates of deposit are one of the safest places to stash your cash and are now drawing higher interest than they have in a decade. Our interest calculator can demonstrate how CDs can benefit your savings portfolio.

Check Out Our Interest Calculator 

Certificates of deposit accounts are often fundamental within retirement plans. However, there are many other savings accounts that you may want to consider. Different savings vehicles are better suited for different savings goals, such as saving for a big purchase, an emergency fund, or college tuition.

Learn About Types of Savings Accounts 

A Certificate of Deposit Account Registry Service (CDARS®) provides high-level protection by allowing you to spread your investments among multiple CD accounts at different banks, protecting them from one bank’s catastrophic failure. However, all accounts are managed under one umbrella with Sunrise Banks, the bank you already know you can trust.

We know that making sure your money is safe is your primary concern – and it’s our mission. If you are a super saver, some of your deposits might exceed the specified limits on your account to protect yourself from bank failure affecting your savings goals. Learn more about CDARS today!

Learn More 

Contact Us About Certificates of Deposit Accounts

(651) 265-5600  Off Site Link

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  1. Account subject to early withdrawal penalties if closed prior to maturity.

  2. A penalty may be imposed for early withdrawal. The penalty will be equal to: 7 days interest if the withdrawal is made within the first six days after the deposit; 90 days interest if CD term is 1 year or less; 180 days interest if CD term is 2 years or less; 365 days interest if CD term is greater than 2 years; The annual percentage yield assumes interest remains in deposit until maturity; a withdrawal will reduce earnings.

  3. You will not be allowed to deposit additional money into the account during the term of the CD.

  4. You will be allowed to make one deposit into the account during the term of the certificate. The minimum amount you can deposit is $500, the maximum amount you can deposit is $50,000. You may exercise your option to exchange the interest rate on your account one time during the term of this account. You may exchange the interest rate on your account for the prevailing rate for this term and product. The interest exchange rate feature will be available during renewals, with the same exchange rate limitations as noted for this account.