There aren’t many guarantees in life — but a certificate of deposit is one of them. Choose your term and enjoy a competitive, fixed rate.
Key Features
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Guaranteed Returns
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Competitive Interest
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No Setup or Maintenance Fees
Guaranteed Returns
Competitive Interest
No Setup or Maintenance Fees
- Fixed interest rates for guaranteed returns
- Higher rates received by establishing longer terms
- A wide range of terms available, yielding results in line with specific goals
- Terms ranging from 3 months to 10 years
- CD specials offered periodically for a limited time
- Early withdrawal subject to penalty
- No setup or maintenance fees
- FDIC insured
- $1,000 minimum deposit to open a regular CD
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Rate Information: These are interest bearing accounts. The interest rate and annual percentage yield are listed above and will not change for the term of the account, excluding variable rate accounts. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be credited to the account semi-annually. If you choose to have interest paid to you, it must be credited to your BRB checking or savings account.
Balance Information: We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day. Contributions to IRAs can occur at any frequency. Principal withdrawals can only be made at maturity, excluding Required Minimum Distributions on IRAs.
Limitations: The minimum opening deposit and minimum balance requirement is $1,000 for CDs and IRAs with a maturity of 60 months or less and $25,000 for CDs and IRAs with a term of greater than 60 months. You may make additional deposits into Certificate of Deposit accounts only at maturity. You may NOT make principal withdrawals from your account until the maturity date. The stated annual percentage yield assumes that interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Additional Limitations on Special CDs and IRAs: The minimum opening deposit and minimum balance requirement is $5,000 on CD's and IRA's with a term of 13 or 27 months and is $10,000 on CD's and IRAs with a term of 57 months. Interest can be paid to your BRB Checking or Savings account monthly; otherwise it will compound at maturity if the term is 13 months, and quarterly if the term is 27 to 57 months.
Early Withdrawal Penalties (A penalty may be imposed for withdrawals before maturity):
CD's that are under 12 months will have a penalty equal to three months interest on the amount withdrawn subject to penalty. CD's that are over 12 months will have a penalty equal to twelve months interest on the amount withdrawn subject to penalty.
In certain circumstances, such as the death or incompentence of an account owner, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is port of an IRA or other tax-deferred savings plan.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificate of Deposit Specials
| Term | Interest Rate | APY | Minimum Balance |
|---|---|---|---|
| 5 Months | 4.44% | 4.50% | $1,000 |
| 10 Months | 4.13% | 4.20% | $1,000 |
Annual Percentage Yield (APY) accurate and effective as of 9/30/2024. This is a limited time offer and may be withdrawn at any time. Minimum balance to open and to obtain APY is $1,000. Certain restrictions and conditions may apply. Fees may reduce earnings. Early withdrawal fee may apply. All figures in examples are for product explanation and are based on a 5-month and 10-month term. Ask us for complete details.
Certificates of Deposit
| Term | Rate | APY | Minimum Balance |
|---|---|---|---|
| 3 - 5 Months | 1.00% | 1.00% | $1,000 |
| 6 Month | 1.05% | 1.05% | $1,000 |
| 7 - 11 Months | 1.10% | 1.10% | $1,000 |
| 12 - 17 Months | 1.24% | 1.25% | $1,000 |
| 18 - 23 Months | 1.29% | 1.30% | $1,000 |
| 24 - 35 Months | 1.34% | 1.35% | $1,000 |
| 36 - 47 Months | 1.39% | 1.40% | $1,000 |
| 48 - 59 Months | 1.44% | 1.45% | $1,000 |
| 60 Months and Longer | 1.49% | 1.50% | $1,000 |
The Minimum Opening Deposit and Minimum Balance Requirement is $1,000 for Terms 60 Months or less and $25,000 for Terms 72 Months or greater.
Please see our Disclosure information
Checking and Savings Accounts
| Product | Interest Rate | APY | Balance |
|---|---|---|---|
| Charitable Account | 0.10% | 0.10% | |
| Health Savings Account | 0.15% | 0.15% | |
| Jackpot Savings | 0.10% | 0.10% | |
| Savings Accounts | 0.10% | 0.10% | |
| Golden Advantage Plus | 0.025% | 0.03% | $0.00-$2,499.99 |
| Golden Advantage Plus | 0.05% | 0.05% | $2,500.00-$49,999.99 |
| Golden Advantage Plus | 0.075% | 0.076% | $50,000.00 and Greater |
| Youth Savings Account | 0.10% | 0.10% |
Please see our Disclosure information
Golden Advantage Certificate of Deposits and Specials
| Term | Interest Rate | APY | Minimum Balance |
| 12 months | 4.23% | 4.30% | $1,000 |
| 30 months | 1.34% | 1.35% | $1,000 |
| 36 months | 1.39% | 1.40% | $1,000 |
| 60 months | 1.49% | 1.50% | $1,000 |
**Annual Percentage Yield (APY) accurate and effective as of 9/30/2024. This is a limited time offer and may be withdrawn at any time. Minimum balance to open and to obtain APY is $1,000. Certain restrictions and conditions may apply. Fees may reduce earnings. Early withdrawal fee may apply. All figures in examples are for product explanation and are based on a 12-month, 30-month, and 60-month term. Ask us for complete details.
Jumbo Certificates of Deposit
| Term | Rate | APY | Minimum Balance |
|---|---|---|---|
| 1 - 2 Months | 1.00% | 1.00% | $100,000 |
| 3 - 5 Months | 1.09% | 1.10% | $100,000 |
| 6 Months | 1.15% | 1.15% | $100,000 |
| 7 - 11 Months | 1.19% | 1.20% | $100,000 |
| 12 Months and Longer | 1.34% | 1.35% | $100,000 |
The Minimum Opening Deposit and Minimum Balance Requirement is $1,000 for Terms 60 Months or less and $25,000 for Terms 72 Months or greater.
Please see our Disclosure information
Kasasa Cash*
| Balance | Minimum Deposit to Open | Interest Rate | APY |
|---|---|---|---|
| $100 - $15,000 | $100 | 4.89% | 5.00% |
| $15,000+ | NA | 0.05% | 0.05% |
| All balances if qualifications not met | NA | 0.01% | 0.01% |
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- Have at least 10 debit card purchases post and settle
- Be enrolled and receive eStatement notice
- Have at least 1 direct deposit or 1 ACH auto debit post and settle
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month.
Kasasa Saver*
| Balance | Minimum Deposit to Open | Interest Rate | APY |
|---|---|---|---|
| $0 - $100,000 | $0 | 2.96% | 3.00% |
| $100,000+ | $0 | 0.05% | 0.05% |
| All balances if qualifications not met | $0 | 0.01% | 0.01% |
Qualifications
Qualifying for your Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- Have at least 10 debit card purchases post and settle
- Be enrolled and receive eStatement notice
- Have at least 1 direct deposit or 1 ACH auto debit post and settle
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month.
Money Market
| Balance | Rate | APY |
|---|---|---|
| $0.00 - $24,999.99 | 0.25% | 0.25% |
| $25,000.00 - $49,999.99 | 0.35% | 0.35% |
| $50,000.00 - $249,999.99 | 0.50% | 0.50% |
| $250,000.00 and Greater | 0.65% | 0.65% |
Municipal Money Market
| Balance | Rate | APY |
|---|---|---|
| $1,000.00 and Greater | 0.15% | 0.15% |
Signature Money Market*
| Balance | Rate | APY |
|---|---|---|
| $0.00 - $24,999.99 | 0.00% | 0.00% |
| $25,000.00 - $49,999.99 | 0.00% | 0.00% |
| $50,000.00 - $249,999.99 | 3.88% | 3.95% |
| $250,000.00 and Greater | 3.88% | 3.95% |
*Annual Percentage Yield (APY) accurate and effective as of 9/30/24. The minimum balance to obtain interest on the Signature Money Market is $50,000. An $11 service fee applies if the account balance falls below the minimum balance. This offer is for new money not currently on deposit with Blue Ridge Bank.