Certificates of Deposit (CDs)

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Nothing is worse than working hard to save just to see that balance diminish because it's just – so – available. A CD from yourNXTBank.com helps serious savers get even more serious about reaching their savings goals. Take advantage of a wide range of terms, plus fixed interest rates, higher than regular savings. However, if flexibility is still a must-have, our larger balance Liquid CDs offer the ability to withdraw — and even to make additional deposits — with greater ease.

Summary
  • Fixed rates, higher than regular savings
  • Receive higher rates by selecting a longer term
  • Provides more guarantee than other risky investments
  • Set aside for future savings goals
  • A wide range of terms available (from 182 days to 5 years)
  • No setup or maintenance fees
  • Early withdrawals subject to penalty*
  • Minimum opening deposit requirements:
  • 24 months or less: $1,000
  • 30 to 60 months: $500

*Early withdrawals result in the following penalties (whichever is greater):

The loss of 1% of principle balance

OR the loss of 3 months of interest (on 6 month terms or less) / 6 months of interest (on 12-60)

Liquid CD

Our Liquid CD or "Easy Access" CD provides more access to your funds, to both deposit and withdrawal.

  • Fixed interest rate locked for a one-year period
  • After this period CD may be accessed for the following:
  • One withdrawal per month
  • Additional deposits that match the original balance
  • $50,000 maximum balance
  • $10,000 minimum balance to open

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