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FDIC-Insured-Backed by the full faith and credit of the U.S. Government

Certificates of Deposit

Good for your money.
Good for the planet.

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Current Rate

2.68%

Annual Percentage
Yield(APY)1

15-Month Flex

Boost your savings with performance and purpose by opening a CD. As the world's first FDIC-insured community bank founded to combat climate change, our CD accounts allow you to use your finances as a force for good:

  • Earn 2.68% APY on your balance for fifteen months
  • Increase your rate once during the term if the bank’s rate for the same term Flex CD rises
  • Add deposits in $100 increments, up to one-half of your initial principal balance
  • Make one penalty-free withdrawal of up to one-half of your initial principal balance
  • Put your money to work for the mission, like enabling clean energy financing
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New Impact Checking

A checking account designed to make you and the planet more prosperous

Open Impact Checking

1. The interest rate is 2.65% with an annual percentage yield (APY) of 2.68%, accurate as of 10-01-2025 and subject to change. You may change the interest rate once during the term if the bank’s rate for the same term Flex CD increases. Withdrawals will reduce earnings. A minimum deposit of $500 is required to open the account. You may make additional deposits in increments of $100, up to one-half of the initial principal balance. You may make one withdrawal of up to one-half of the initial principal balance without penalty during the term. Your account will mature in 15 months. Withdrawals of principal before maturity are subject to a penalty of 90 days’ interest on amounts exceeding one-half of the initial principal balance and on any withdrawals after the first. If the funds are withdrawn within the first 90 days of account opening, the penalty may reduce principal. The rate in effect on the date of withdrawal will apply. You will have 10 days after maturity to withdraw funds without penalty. Unless withdrawn, the account will automatically renew to the bank’s standard 12-month CD at the rate in effect on the renewal date.

2. A recurring monthly direct deposit of $500+ (Automated deposit from an employer or government agency qualifies, transfers initiated by payment providers, e.g. PayPal does not) must be established within 6 months of account opening to earn 3.21% interest with an Annual Percentage Yield of 3.26% as of 7-15-26 and subject to change. If a recurring direct deposit is not established, the account will revert to non-interest bearing. Minimum deposit to open: $50.00

3. Customers who set up a recurring direct deposit of $500+ to their Impact Checking account may designate an approved nonprofit partner to receive a $100 donation. Donation will be made after all account qualification requirements are met.