Certificate of Deposit Offers | Best Rates Up To 3.82% APY*

Open a CD today with $2,500 or more.

For a limited time, earn more on your money with one of our CD specials. Earn the best rate with a Banner's Best Checking account: 

  • 7 month CD: up to 3.82% APY*
  • 9 month CD : up to 3.56% APY*
  • 13 month CD: up to 3.56% APY*
  • 36 month CD: up to 1.26% APY*
Open an account online

3.82% APY* 7 Month CD

Earn up to 3.82% APY* with a Banner's Best Checking account and $2,500 minimum opening balance.

3.56% APY* 9 Month CD

Earn up to 3.56% APY* with a Banner's Best Checking account and $2,500 minimum opening balance.

3.56% APY* 13 Month CD

Earn up to 3.56% APY* with a Banner's Best Checking account and $2,500 minimum opening balance.

1.26% APY* 36 Month CD

Earn up to 1.51% APY* with a Banner's Best Checking account and $2,500 minimum opening balance. This CD option includes a one-time rate increase.
Open an account online

Earn even more with a Banner's Best Checking account

As a Banner's Best Checking account owner, earn 0.25% over posted rates on all CD rates, including our CD specials.

Banner's Best Checking Details
Certificate of Deposits
Choose a term for your CD that’s right for you—from 3 months up to 119 months.
View CD Details
Savings Accounts
Whether you want to save a little or a lot, you’ll earn interest with any Banner savings account.
View Savings Accounts

What is a CD and CD laddering?

CD is short for certificates of deposit and are available at different minimum deposits, interest rates and terms. A CD ladder is opening a series of CDs with different maturity dates.
Understanding CDs and CD Ladders
Access the Deposit Account Agreement and Personal Accounts Schedule of Fees.
View the Personal Certificate of Deposit Product Guide.
*
Annual Percentage Yield (APY) is accurate as of 5/16/25, and applies to the initial term of a new Banner Bank CD. Current Banner's Best Checking account owners earn 0.25% over posted rates on all CD rates. Banner’s Best Checking accounts must be active at CD renewal to receive 0.25% over posted rates. Minimum balance to open a CD is $2,500. CDs will renew automatically at maturity.  You may withdraw principal without penalty for 10 days following maturity; a penalty will be imposed for withdrawals before maturity. Additional restrictions may apply. For the 7-month and 9-month CD specials, interest compounds daily and is credited to the account at maturity. For the 13-month and 36-month CD special, interest compounds daily and is credited to the account every three months from opening. For the 36-month CD special, during the initial term you have a one-time “Bump Rate” option to request that the CD’s interest rate be increased to the rate currently being offered by Banner Bank on CDs that match the CD’s original term. On the first maturity date of the 36-month promotional CD, the CD will change to a Standard 36-month Fixed Rate CD.