• Select Your Term. Lock in Your Rate

    With our Certificate of Deposit (CD) you set the timeline, you pick the amount and then you watch your savings grow.

  • Find out if a CD is right for you

    Whether you plan to spend your savings next week or in the next decade, a CD could help you grow them faster. Deposit just $500 to open your account and get started.

    Retail Account Disclosure Booklet

    How do I open these files?

    Choose your CD options

    Pick a term for your CD for any time between 7 days and 10 years. The longer the term, the higher the rate. The choice is yours.

    Discover the benefits of a CD

    Meet your savings goals on your own terms. Lock in a rate on the deposit amount and term you want. You can:

    • Choose a term that suits your timeline — from 7 day to 10 years
    • Withdraw the interest you’ve earned at any time
    • Receive a detailed quarterly statement
    • Feel secure knowing it’s FDIC-insured

    Understand CD terms and conditions

    Keep in mind, there is a penalty to withdraw the money you deposited into your CD (principal) before it reaches the maturity date you have set for it (from 7 days to 10 years). However, you can access the interest earned on that deposit at any time.

  • girl with laptop
    Open a
    CD Online
    Get saving with a First Niagara Promotional CD.
    Transfer at least $500 from your First Niagara account to open a 12- or 24-month Promotional CD online.
  • Account Rates

    Term APY*
    Promotional CD
    12 months 1.01%
    24 months 1.15%
    36 months 1.30%
    60 months 1.60%
  • * Annual Percentage Yield

  • Access your accounts 24/7 with convenient Online Banking and Mobile Banking.
    Determine the potential interest growth and tax liability on your CD.
  • We're here to help

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    Contact Us

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