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Smart and secure savings

Certificates of Deposit

A great rate is just the beginning

12-Month CD
4.00% APY*

  • Open with as little as $500
  • Add funds any time

Lock in a year of savings with our standard 12-Month CD at 4.00% APY.


High-Growth Certificates of Deposit

Advantis High-Growth CDs are a high-value, no-risk way to save. When you choose any one of our standard term CDs, you know what you’ll earn and when you’ll earn it.

You’ll love the higher interest and greater control. Choose the amount you want to invest and the length of your High-Growth CD term. Then watch your money work for you.

New High-Growth Certificate & IRA Certificate Rates:
All CD terms offer an IRA option. Learn more about Advantis IRAs.


Rates Effective 02/11/2020
Term Tier Annual Percentage Yield (APY)
6 months $500 - $49,999 1.70%

$50,000 - $99,999 1.70%

$100,000 or more 1.70%
12 Months $500 - $49,999 4.00%

$50,000 - $99,999 4.00%

$100,000 or more 4.00%
24 Months $500 - $49,999 2.10%

$50,000 - $99,999 2.10%

$100,000 or more 2.10%
36 Months $500 - $49,999 2.20%

$50,000 - $99,999 2.20%

$100,000 or more 2.20%
48 Months $500 - $49,999 2.30%

$50,000 - $99,999 2.30%

$100,000 or more 2.30%
60 Months $500 - $49,999 2.35%

$50,000 - $99,999 2.35%

$100,000 or more 2.35%

Featured Offers

Product Amount Interest Rate Annual Percentage Yield (APY)
12 Month Certificate $500–$49,999.99
$100,000 or more
*APY = Annual Percentage Yield. APY assumes that all interest will remain on deposit until maturity. Rates available for a limited time, and may be discontinued without notice. $500 minimum deposit to open 12-month certificate. For all certificate accounts, there may be a penalty for early withdrawal. For IRA accounts: Fees may reduce earnings. 

Get started now

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  • Log in to Advantis Online Banking
  • Click or tap "More", then "Message Center"

Why would I open a CD from Advantis?

Advantis CDs are incredibly popular because we can offer you something market investments can’t: guaranteed returns on your money*. Certificates of Deposit feature fixed rates and fixed terms – so your rate and your earnings don't fluctuate with market conditions.

A few more reasons why our members choose to open CDs (and transfer funds from other banks and credit unions to an Advantis High-Growth CD):

  • Safe, secure savings mean your cash works harder and smarter
  • Choose a term that works for you – from 6 to 60 months
  • Big balances are not required – open a CD with as little as $500
  • FREE – no monthly fees, ever
  • The more you deposit into a CD, the better your interest rate

Relax, knowing your funds are federally insured by the NCUA, the FDIC’s government counterpart that insures not-for-profit credit unions.

How does a High-Growth CD work?

When you open a High-Growth Certificate of Deposit at Advantis, you agree to deposit a minimum of $500 for a fixed period of time, referred to as a "term." 

At the end of your term (when your CD "matures") we return your full deposit PLUS a guaranteed high-yield interest rate. And when it matures, you have the option to cash out your CD or roll it over into a new High-Growth CD with a term and interest rate that feels most comfortable to you.

We offer six High-Growth CD terms ranging from 6 to 60 months. We also offer Add-To deposit options.

Review High-Growth CD Rates and Terms

You always want to let your CD mature. If you withdraw your funds before any CD’s maturity date, your interest rate is no longer guaranteed. It’s likely you’ll pay penalty fees, as well. Nobody wants to see that happen.

Looking for a great savings rate, but you'd prefer instant access to your funds? Check out our High-Growth Money Market account.

Lock in a high rate now and Add-To your CD later

Our High-Growth CDs feature an Add-To option. With Add-To, you get to make additional contributions to your CD so you lock in even more savings at your fixed, guaranteed interest rate.*  Learn more about Add-To

To use the Add-To feature and deposit additional funds into your certificate, choose an option below:

• Use the “Transfer” feature in Advantis Online Banking to add funds
(If you want to add funds to an IRA CD or if you have not contributed funds to your CD within the past 18 months, you will need to call us or visit a branch to complete the transfer.)
• Call us at 503-785-2528 Mon – Fri, 8 am - 6 pm
• Visit any branch


NOTE: You may Add-To your CD account as much and as often as you like during the term. That said, even if your additional deposits elevate your balance into a higher CD tier, your rate will remain fixed at the rate associated with your initial deposit for the length of your initial term. Here’s the silver lining: Upon renewal, if your additional deposits have elevated your account and your funds are now in a higher tier, you can  roll over your CD into a new term to take advantage of that new rate associated with your higher tier. Add-to feature not available on promotional and Business Certificates.

Not-for-profit. All for you.

Advantis is a not-for-profit financial co-op. We're locally owned by our members. And instead of turning our earnings over to corporate stockholders (like banks do), we return profits to our community of members. You see those profits in our superior rates, low- and no-fee financial products, and more free membership services.

Learn about our co-op difference

* This guarantee is contingent on the funds remaining in the certificate for the full length of the term. Early withdrawals are subject to fees and penalties. 

** Although you may now make unlimited additional deposits to your certificate account, such deposits will not bump you into a higher bracket for rate purposes. During the term of your CD, regardless of additional deposits, your rate will remain fixed at the rate associated with your initial deposit. However, upon renewal, if your additional deposits have bumped you into a higher bracket you will earn the rate associated with that higher bracket.

Ready to get started?
or call us at503-785-2528