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Certificates of Deposit (CDs)

Spencer’s Certificate of Deposit accounts provide a convenient way to earn more. Use your funds to gain a higher rate of interest than a regular savings account. We offer a variety of CD terms to choose from. Stop by your local branch and sit with your branch representative to see which option is best for you.

  • Competitive Annual Percentage Yields
  • $1,000 minimum opening deposit
  • Various terms from 91 days to 60 months to fit your investment goals
  • Simple monthly interest paid for terms less than 12 months
  • Compounded daily and credited monthly for terms 12 months or greater
  • Convenient automatic renewals
  • Premium pricing for Spencer Plus, Spencer Platinum and Spencer Gold customers
  • Choice of a monthly check or automatically transfer funds to another Spencer account
  • Premature withdrawal penalties may apply

Apply Now

Open Your Account Today

Apply online, visit your local branch, or call us at 1-800-363-8115 today!