Certificates of Deposit

Make Your Money Work for You

Certificates of deposits (CDs) earn the best interest rates we have to offer — and some of the most competitive rates around!

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. All of our CDs offer the Triple Choice. When you open a new CD, choose one of the following:

A one-time rate change; the term extends when the change is made.
A one-time ½ principal balance withdrawal without penalty
Add up to double the original balance to the CD; the term extends when the change is made.

Open an Account

You can open an account online or in-person at Ladysmith Federal.

No matter how you apply, you'll need:

Your Social Security number
Valid ID (driver's license, state ID, or passport)
Current residential address
Funds to deposit

Accounts for Retirement, Businesses, Non-Profits, & children 17 and under must be opened in-person.