Lock in your High Yield CD

Earn competitive returns with our top‑rated 12‑month and 24‑month CDs—and grow your savings with confidence. Open online in minutes.

Stack of coins earnings from your 24-Month CD!

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 and a CD rate more than 2.5X the national average!**

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12-Month CDs

Lock in a 12-month CD today and start earning 4.00% APY*. Apply online in minutes!

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24-Month CDs

Lock in a 24-month CD today and start earning 4.00% APY*. Apply online in minutes!

*Annual Percentage Yield. Minimum balance to open and earn APY is $1,000. Interest rate of 3.93% for 12-Month CD. Interest rate of 3.93% for 24-Month 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 26 March, 2026. 

**Best CD Rates - March 2026 | US News Money. Retrieved March 24, 2026.

Have Questions? Ask Us About Our 12-Month and 24-Month CDs

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Our team is ready to help you open an account.

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Get started right away by opening a CD online.

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Shoot us an email and one of our expert team members will follow up with next steps to open your account.

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Our CDs are more than just a great rate.

12-Month CD plant growing savings
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No Monthly Service Fees

Leader Bank CD accounts have absolutely no monthly fees attached!

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Watch Your Savings Soar

Put your hard-earned savings to work for you with our special CD rate.

Start saving now -- it takes less than five minutes to apply online!

All you need is your SSN and the account & routing number for the bank account you're using to fund your new CD!

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Flexible

With multiple CD term options including 12 and 24-months, you can pick a term that offers you the flexibility you need to achieve your financial goals.

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Secure

Your rate is locked in when you open your CD so you'll know exactly how much you'll save over the term of your account. And with no monthly service fees so you can maximize your savings!

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Grow Your Savings

Leader Bank's CD accounts are a great way to maximize your savings and enjoy returns at a rate more than 2.5x the national average while it lasts!

Frequently Asked Questions

A Certificate of Deposit or CD account is an interest-bearing account opened for a specific period of time that earns a fixed income on the amount initially deposited. There are no monthly fees attached to Leader Bank Certificate of Deposit accounts, so you are guaranteed a specific amount of return at the account's maturity date as long as no early withdrawals are made. It's ideal for building savings with no market risk.

CDs offer a secure way to earn a fixed return ' no hidden fees, no market volatility. It's a great option if you want low-risk growth and don't need immediate access to your funds.

Leader Bank Certificates of Deposit accounts have absolutely no monthly fees attached! However, most Certificate of Deposit accounts have a penalty fee associated with making a withdrawal before the account reaches the end of the term established at opening. For more information about this fee, please contact our Client Services Department at tel:781-641-8686.

Yes, most CDs have a minimum opening deposit. At Leader Bank, the minimum deposit to open a CD is $1000.

Interest rates for Certificate of Deposit accounts depend on the products and rates available at the time you open your account. The rate you receive at the time you open your account is locked in so you'll be able to calculate your exact return over the specified term for the account. A fixed-rate means if interest rates change after your account is opened, you'll still receive the rate that was established when you opened your account.

Simple interest is the interest you earn on the original amount (principal) you deposit. Unlike compound interest, it doesn't include interest on previously earned interest. CDs typically use simple interest to calculate your earnings over a fixed term.

Yes. Your deposits are insured up to FDIC limits ($250,000 per depositor, per account type).

There are three options to get started, call directly at 781-641-8686, email us at depositaccounts@leaderbank. You can open, view, and track your CD via our secure online banking portal or mobile app.

No, CDs are time-locked deposits. Once you've opened a CD with a set amount, additional deposits can't be made. However, you can always open another CD to continue growing your savings.

Withdrawing early usually results in an early withdrawal penalty, which could reduce your earned interest or, in some cases, your principal. Always check with your banker about the specific terms of your CD before withdrawing.

When your CD matures you will have several options for what you can do with the funds. These usually include rolling them into a new CD at then current interest rates, transferring your funds to another account, or withdrawing your funds.

Ready to start growing your savings?

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Education

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