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Current CD Specials

Earn more interest and add to your savings with these limited time certificate of deposit (CD) accounts.

CD Plus Website Header

Current CD Specials

Earn more interest and add to your savings with these limited time accounts.

The power to pick.

Choose a 5-month or 13-month term to earn a little more in a limited time CD Plus account.

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4.05% APY¹

Earn a great rate in a short amount of time with a 5-month CD Plus account. 

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3.90% APY¹

Save a little longer with a 13-month CD Plus account and still earn a great rate.

CD Plus: 5-month 4.05% APY1

Whether you’re saving for a summer getaway, home projects, or you just want to boost your savings, a CD Plus could help you get there.

Open your CD Plus online, at any Lake Trust relationship center, or by calling us at 888.267.7200 and speaking with a team member.

INTEREST
4.05% APY1
MINIMUM TO OPEN
$500.00
ADD ACCOUNT

MORE DETAILS

Term: 5 months

Converts to a 6-month regular CD upon maturity

No monthly service fee

Early closing penalty
90 days interest penalty for 5-month CD Plus

Automatic renewal

CD Plus: 13-month 3.90% APY1

Kick off 2027 with more savings when you open a 13-month CD Plus account now. Choose an amount of $500 or more that you'd like to set aside for 13 months. After this time, you can use the funds from your CD Plus however you'd like, whether you have a big purchase in mind or just want to add to your savings. 

You can open your CD Plus online, at any Lake Trust relationship center, or by calling us at 888.267.7200 and speaking with a team member.

INTEREST
3.90% APY1
MINIMUM TO OPEN
$500.00
ADD ACCOUNT

MORE DETAILS

Term: 13 months

Converts to a 12-month regular CD upon maturity

No monthly service fee

Early closing penalty
90 days interest penalty for 13-month CD Plus

Automatic renewal

IRA CD Plus: 5-month 4.05% APY1

Save more for the future with a 5-month IRA CD Plus. Choose the IRA option that works best for your situation: traditional, Roth, inherited, or Coverdell. Then, choose an amount of $500 or more to open the account.

Visit any Lake Trust relationship center to open your IRA CD Plus.

INTEREST
4.05% APY1
MINIMUM TO OPEN
$500.00
FIND A BRANCH

MORE DETAILS

Term: 5 months

Converts to a 6-month regular IRA CD upon maturity

No monthly service fee

Early closing penalty
90 days interest penalty for 5-month IRA CD Plus

Automatic renewal

IRA CD Plus: 13-month 3.90% APY1

Save more toward the future with a 13-month IRA CD Plus account. Decide if a traditional, Roth, inherited, or Coverdell IRA CD Plus aligns better with your savings goal. Then, choose an amount of $500 or more that you'd like to set aside for 13 months.

Visit any Lake Trust relationship center to open your IRA CD Plus.

INTEREST
3.90% APY1
MINIMUM TO OPEN
$500.00
FIND A BRANCH

MORE DETAILS

Term: 13 months

Converts to a 12-month regular IRA CD upon maturity

No monthly service fee

Early closing penalty
90 days interest penalty for 13-month IRA CD Plus

Automatic renewal

Business CD Plus: 5-month 4.05% APY1

Grow your business savings with this limited-time account. Choose an amount over $500 that you’d like to set aside for 5 months. After this time, you can use the funds from your Business CD Plus to take the next step on your business journey.

Visit any Lake Trust relationship center or fill out our online contact form to open your Business CD Plus.

INTEREST
4.05% APY1
MINIMUM TO OPEN
$500.00
START TODAY

MORE DETAILS

Term: 5 months

Converts to a 6-month regular Business CD upon maturity

No monthly service fee

Early closing penalty
90 days interest penalty for 5-month Business CD Plus

Automatic renewal

Business CD Plus: 13-month 3.90% APY1

Take a big step toward your 2027 business goals by starting a 13-month CD Plus now. Just open the account and set aside $500 or more for 13 months. When the term is up, you can roll the funds into a new CD to keep saving or use the funds to support your business.

Visit any Lake Trust relationship center or fill out our online contact form to open your Business CD Plus.

INTEREST
3.90% APY1
MINIMUM TO OPEN
$500.00
START TODAY

MORE DETAILS

Term: 13 months

Converts to a 12-month regular Business CD upon maturity

No monthly service fee

Early closing penalty
90 days interest penalty for 13-month Business CD Plus

Automatic renewal

Learn more about how a CD works and the benefits of this account.

READ ARTICLE

CERTIFICATE OF DEPOSIT

What is a CD?

CERTIFICATE OF DEPOSIT

What is a CD?

A certificate of deposit, or CD, is a type of savings account where you leave money in the account for a specific amount of time (a term). It’s important to choose a term that aligns with your savings goals.

CDs usually offer higher interest rates than regular savings accounts, meaning you can save more without any extra effort. Check out our current CD specials to see account offerings with a boosted rate. And if the terms of these limited time CDs don’t work with your goals, you can always check out our other CD accounts that are always available.

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See more options to support your savings goals.

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How to start an emergency fund.

A healthy emergency fund can help you prepare for unexpected moments in life. 

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 1APY = Annual Percentage Yield. Rates as of January 6, 2026 and are subject to change. Penalty for early withdrawal. 

Forbes 2025 Best-In-State Credit Unions

Lake Trust is honored to be a Forbes Best-In-State Credit Union.

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