Certificates of Deposit (CDs)
Make Your Money Work for You
When you want a safe and steady way to grow your savings, Certificates of Deposit, also known as CDs, can be a smart option to consider. This page helps customers learn more about how certificate accounts can support short-term and long-term savings goals.
A CD allows you to set aside money for a specific term while earning interest over time. For customers who do not need immediate access to their funds, certificates of deposit can be a helpful savings tool for planned expenses, future purchases, emergency savings, retirement planning, or simply making the most of money that is not being used right away.
At Ladysmith Federal, we believe saving should feel simple, local, and easy to understand. Our team is here to help customers compare CD options, review available terms, understand minimum opening deposit requirements, and choose a certificate of deposit that fits their financial goals. Whether you are new to CDs or looking to renew or open another certificate, Ladysmith Federal can help you take the next step with confidence.
This page is designed to provide helpful information about Ladysmith Federal CDs, certificate rates, savings options, interest-earning accounts, and local banking services. If you have questions about current CD rates, terms, early withdrawal penalties, or how a certificate of deposit may fit into your savings plan, contact Ladysmith Federal.
Our local team is proud to provide personal service, trusted guidance, and support as you make your money work for you.
For an investment of at least $1,000, you can choose a 3-month, 6-month, 1-year, 2-year, 3-year or 5-year term.
CD Triple Choice Options
Boost it. Access it. Build it.
Only at Ladysmith Federal, our Certificates of Deposit (CDs) come with built-in flexibility. At account opening, choose the option that fits your savings goals best.
Boost It
Make the most of a changing rate environment.
One-time rate change on your CD. When the rate change is made, the term extends.
Access It
Need Flexibility? Keep part of your savings within reach.
One-time withdrawal of up to 1/2 the principal balance without penalty.
Build It
Grow your savings even more over time.
Add up to double the original balance to your CD. When the change is made, the term extends.
Certificates of Deposit
| Product | Min. Opening Deposit | Interest Rate | APY* |
|---|---|---|---|
| 3 Month | $1,000.00 | 0.60% | 0.60% |
| 6 Month | $1,000.00 | 3.80% | 3.86% |
| 1 Year | $1,000.00 | 3.65% | 3.70% |
| 2 Year | $1,000.00 | 2.40% | 2.42% |
| 3 Year | $1,000.00 | 2.45% | 2.47% |
| 5 Year | $1,000.00 | 2.45% | 2.47% |
Interest Rates as of August 18, 2026.