Certificate of Deposit (CD)
Contact a BOS representative for our CD Specials
877-698-3278 | Email
APY as of October 28, 2025. APY subject to change.
|
CD
|
Simple APY
|
*Compound APY
|
Minimum to Open
|
Automatic Renewal Term
|
|
3 Month
|
0.21 |
0.21 |
$1,000.00
|
3 Month
|
6 Month
|
0.26 |
0.26 |
$1,000.00
|
6 Month
|
|
12 Month
|
0.41 |
0.41 |
$1,000.00
|
12 Month
|
|
15 Month Flex CD
|
0.46 |
0.46 |
$10,000.00
|
18 Month
|
|
18 Month
|
0.51 |
0.51 |
$1,000.00
|
18 Month
|
|
2 Year
|
0.75 |
0.75 |
$1,000.00
|
24 Month
|
|
3 Year
|
0.91 |
0.91 |
$1,000.00
|
36 Month
|
|
42 Month
|
1.12 |
1.12 |
$1,000.00
|
48 Month
|
|
4 Year
|
1.16 |
1.17 |
$1,000.00
|
48 Month
|
|
5 Year
|
1.40 |
1.41 |
$1,000.00
|
60 Month
|
Open a CD Online
*Compound CDs - Interest will be compounded quarterly. Interest will be credited by compounding quarterly. In order to withdraw the earned interest, the earned interest must be greater than $10.00. Otherwise earned interest is compounded.
Daily Balance Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of Interest on Noncash Items
Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction Limitations
You may not make any deposits into your account before maturity. You may not make withdrawals of principal from your account before maturity.
Automatic Renewal
You must notify us in writing before or within 10 days grace period after the maturity if you do not want the account to automatically renew.
Early Withdrawal Penalties
A penalty may be imposed for withdrawals before maturity. If your account has an original maturity of 12 months or less, your account may be charged an early withdrawal penalty in an amount equal to 90 days' interest. If your account has an original maturity of more than 12 months but less than 36 months, your account may be charged an early withdrawal penalty in an amount equal to 210 days' interest. If your account has an original maturity of more than 36 months, your account may be charged an early withdrawal penalty in an amount equal to 270 days' interest. This early withdrawal penalty may invade principal.
Rate Information
All rates are subject to change. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal fee will reduce earnings.
If you would like more current rate and yield information, please call 1-877-698-3278.
This Web site is for marketing purposes and is not designed as a substitute for full account disclosure of any product described in this Web site. Please contact BOS for more information.