4.00% APY* For 12-Month & 24-Month CDs Up to $250,000
Competitive long-term CDs made exclusively for you. Securely grow your savings with no monthly fees.
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Is a Certificate of Deposit Right for You?
Whether you're saving for something in the short or mid-term, a Certificate of Deposit account is a great way to put your hard-earned savings to work for you. A CD is an interest-bearing account opened for a specific period of time (often called a term) that earns a fixed income on the amount initially deposited. CDs are a great high-yield savings option because they typically offer higher interest rates than traditional savings accounts. Our CDs are popular options for near-term savings goals because they are fixed rate and FDIC insured.
Wondering which term is right for you? Consider when you will need access to your funds and pick a term that matures slightly before that date. Based on your savings goals, you can choose a term and rate that works for you!
Common savings goals that CDs are great for:
- Home ownership
- Home renovations
- Managing income in retirement
- Wedding
- College
- Emergency fund
Exclusive High-Yield CD Offers
Looking for a CD term that fits your goals?
rate table body
Looking for a CD term that fits your goals?
*Annual Percentage Yield. Minimum balance to open and earn APY is $1,000. Interest rate of 4.01% for 6-Month CD. Interest rate of 3.78% for 9-Month CD. Interest rate of 3.93% for 12-Month CD. Interest rate of 3.93% for 24-Month CD. Interest rate of 2.96% for 5-Year CD. $250,000 maximum deposit. A penalty may be imposed for early withdrawal from a Certificate of Deposit prior to maturity; Fees may reduce earnings. Rate effective as of 5 March, 2026.
Benefits of a CD
Secure Savings
Leader Bank is an FDIC insured institution and with a fixed rate you can be confident your savings will grow.
No Monthly Service Fees
Leader Bank CD accounts have absolutely no monthly fees attached!
Watch Your Savings Soar
Put your hard-earned savings to work for you with our special CD rate.
Short Term CD vs. Long Term CD
| Type | Term | Initial Balance Required | Interest | Charges |
| Short Term CD | 1 - 11 Months | $1,000 | Simple interest paid at maturity | Penalty for early withdrawal |
| Long Term CD | 1 - 5 Years | $1,000 | Accrues daily; Compounded monthly | Penalty for early withdrawal |
- Interest payments on long-term CDs may be transferred to another account, left to accumulate in the CD, or sent to you by check monthly
- A penalty may be imposed for any withdrawal before maturity
- You have the option to borrow against your CD
- Collateral loans are written on an on-demand basis with payments of interest only due monthly
Boost Your Down Payment Savings to an 8.00% Effective Annualized Return
Whether you're buying a new home or looking to refinance your current one, with Leader Bank’s Homeowner CD you earn 4.00% APY* plus an additional annualized bonus equal to your interest in the first six months of your term if you also close on a home mortgage loan with us within that six-month term – that’s doubling your return!
4.00% APY*
6-Month CD
+
Additional 4.00%**
Annualized Bonus for Leader Bank Home Purchase
=
8.00%
Effective Annualized Return
*Annual Percentage Yield (APY) effective as of 5 March, 2026. New money only. Minimum balance to open and earn APY is $1,000. Interest rate of 3.96% for 6 Month CD. $100,000 maximum deposit. Only one CD per household; business entities are not eligible for this product. A penalty may be imposed for early withdrawal from a Certificate of Deposit prior to maturity; Fees may reduce earnings.
** To receive the 4.00% annualized bonus, eligible clients must apply for a first lien closed end mortgage loan with Leader Bank, N.A. on or after December 25, 2025, and close on said loan on or before the initial maturity date; such bonus will be paid at the initial maturity date. If a client redeems their CD on or before the initial six-month maturity date to apply such funds towards the closing on a purchase or refinance with Leader Bank, any early withdrawal penalty shall be waived and the client shall be eligible for the 4.00% annualized bonus. Leader Bank retains the right to determine whether the use of proceeds or early redemption meets these criteria. The 4.00% annualized bonus may be earned only in the initial six-month term of the CD; if the CD renews into a new term, client shall not be eligible to any additional bonus and the APY of the renewal term will be determined by Leader Bank in its sole discretion with prior notice to client.
Frequently Asked Questions
Education
CD Comparison Calculator
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