• 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 0.50%
    24 months 1.00%
    36 months 1.35%
    48 months 1.15%
    60 months 1.35%
    84 months 1.35%
  • * 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

    Live chat with one of our customer support specialists.
    Need help? Chat with a Customer Service Specialist right now. Request a chatNo thanks

    Contact Us

    Currently our call and chat representatives are unavailable. If you would like to send us a message below, we work to respond to all messages within 24-48 hours.

    Call center and live chat hours
    Mon. - Fri. 6 a.m. - 9 p.m. ET
    Sat. - Sun. 8 a.m. - 6 p.m. ET
    Contact us by email

    Chat with a Customer Service Specialist

    We're here to help. Please fill out the fields below to begin.
    Please enter a First Name
    Please enter a Last Name
    Please enter a valid email address

    Start chat
    To protect your privacy, please do not enter any account related information.
[Image] Remote Control
Remote. Control. Convenience.
Fast-forward to great moments. And never put your life on pause. Mobile Banking offers the tools you need to manage your finances and focus on your life. Tap into Mobile Banking for banking that’s not just pocket-size — it’s life-size.

Customize Your Experience.

By providing your ZIP code, we can customize our content to display the rates, products, locations and Mortgage Consultants in your area. Alternately, you can continue without ZIP code.