Easy as that.
certificates of deposit
Five stars strong. Five stars superior.
For 35 years, Third Federal has been rated 5 stars (superior) for strength and stability from the independent bank rating agency, Bauer Financial. We operate with more than double the capital reserves required by regulators.
And, of course, our deposits are FDIC insured.
Certificate of Deposit Rates
All of Third Federal’s CD rates offer competitive returns with low minimums and it’s easy to get started. You can open your CD over the phone by calling 1-800-THIRD-FED, online at thirdfederal.com or at any of our full-service branches.
| Term | APY |
|---|---|
|
7 Day CD Minimum to Obtain: $500 |
3.00% |
|
3 Months Minimum to Obtain: $500 |
3.50% |
|
5 Month New Money CD Special Minimum to Obtain: $25000 |
4.00% |
|
5 Month Raise Your Rate CD Minimum to Obtain: $100000 |
3.75% |
|
5 Month Raise Your Rate CD Minimum to Obtain: $50000 |
3.50% |
|
5 Month Raise Your Rate CD Minimum to Obtain: $500 |
3.30% |
|
7 Month Special Minimum to Obtain: $500 |
3.25% |
|
19 Month Special Minimum to Obtain: $500 |
3.25% |
|
29 Month Special Minimum to Obtain: $500 |
3.25% |
|
39 Month Special Minimum to Obtain: $500 |
3.25% |
|
49 Month Special Minimum to Obtain: $500 |
3.25% |
|
59 Month Special Minimum to Obtain: $500 |
3.25% |
| Term | APY |
|---|---|
|
6 Months Minimum to Obtain: $500 |
2.75% |
|
12 Months Minimum to Obtain: $500 |
2.05% |
|
7 Day CD Minimum to Obtain: $500 |
3.00% |
| Term | APY |
|---|---|
|
5 Month New Money CD Special Minimum to Obtain: $25000 |
4.00% |
|
5 Month Raise Your Rate CD Minimum to Obtain: $100000 |
3.75% |
|
5 Month Raise Your Rate CD Minimum to Obtain: $50000 |
3.50% |
|
5 Month Raise Your Rate CD Minimum to Obtain: $500 |
3.30% |
|
7 Month Special Minimum to Obtain: $500 |
3.25% |
|
19 Month Special Minimum to Obtain: $500 |
3.25% |
|
29 Month Special Minimum to Obtain: $500 |
3.25% |
|
39 Month Special Minimum to Obtain: $500 |
3.25% |
|
49 Month Special Minimum to Obtain: $500 |
3.25% |
|
59 Month Special Minimum to Obtain: $500 |
3.25% |
| Term | APY |
|---|---|
|
3 Year Rising Rate CD Minimum to Obtain: $500 |
3.25% |
|
3 Year Rising Rate CD Minimum to Obtain: $500 |
3.75% |
|
3 Year Rising Rate CD Minimum to Obtain: $500 |
3.50% |
|
1 Year Rising Rate CD Minimum to Obtain: $500 |
3.40% |
|
1 Year Rising Rate CD Minimum to Obtain: $500 |
3.60% |
|
1 Year Rising Rate CD Minimum to Obtain: $500 |
3.20% |
|
1 Year Rising Rate CD Minimum to Obtain: $500 |
3.00% |
| Term | Months 1-3 APY |
Months 4-6 APY |
Months 7-9 APY |
Months 10-12 APY |
|---|---|---|---|---|
|
1 Year Rising Rate CD Minimum to Obtain: $500 |
3.00% | 3.20% | 3.40% | 3.60% |
| Term | Year 1 APY | Year 2 APY | Year 3 APY |
|---|---|---|---|
|
3 Year Rising Rate CD Minimum to Obtain: $500 |
3.25% | 3.50% | 3.75% |
| Term | APY |
|---|---|
|
6 Month Bonus Minimum to Obtain: $500 |
3.00% |
|
6 Month Bonus Minimum to Obtain: $500 |
3.00% |
|
6 Month Bonus Minimum to Obtain: $500 |
3.00% |
|
6 Month Bonus Minimum to Obtain: $500 |
5.00% |
|
6 Month Bonus Minimum to Obtain: $500 |
3.00% |
|
6 Month Bonus Minimum to Obtain: $500 |
3.00% |
|
36 Month Bonus Minimum to Obtain: $500 |
3.00% |
|
36 Month Bonus Minimum to Obtain: $500 |
3.00% |
|
36 Month Bonus Minimum to Obtain: $500 |
4.50% |
|
60 Month Bonus Minimum to Obtain: $500 |
3.00% |
|
60 Month Bonus Minimum to Obtain: $500 |
3.00% |
|
60 Month Bonus Minimum to Obtain: $500 |
3.00% |
|
60 Month Bonus Minimum to Obtain: $500 |
3.00% |
|
60 Month Bonus Minimum to Obtain: $500 |
4.25% |
| Term | Month 1 APY | Month 2 APY | Month 3 APY | Month 4 APY | Month 5 APY | Month 6 APY |
|---|---|---|---|---|---|---|
|
6 Month Bonus Minimum to Obtain: $500 |
5.00% | 3.00% | 3.00% | 3.00% | 3.00% | 3.00% |
| Term | Year 1 APY | Year 2 APY | Year 3 APY | Year 4 APY | Year 5 APY |
|---|---|---|---|---|---|
|
36 Month Bonus Minimum to Obtain: $500 |
4.50% | 3.00% | 3.00% | ||
|
60 Month Bonus Minimum to Obtain: $500 |
4.25% | 3.00% | 3.00% |
Annual Percentage Yield (APY) is accurate as of today. You must deposit the amount listed above to open the account and earn the APY. Deposits over $1,000,000 subject to review. CDs subject to penalty for early withdrawal. An early withdrawal may reduce earnings. Offers and rates subject to change at any time. Funds insured according to the FDIC insurance requirements. © 2025 Third Federal
Annual Percentage Yield (APY) is accurate as of today. You must deposit the amount listed above to open the account and earn the APY. Deposits over $1,000,000 subject to review. CDs subject to penalty for early withdrawal. An early withdrawal may reduce earnings. Offers and rates subject to change at any time. Funds insured according to the FDIC insurance requirements. © 2025 Third Federal
Annual Percentage Yield (APY) is accurate as of today. You must deposit the amount listed above to open the account and earn the APY. Deposits over $1,000,000 subject to review. CDs subject to penalty for early withdrawal. An early withdrawal may reduce earnings. Offers and rates subject to change at any time. Funds insured according to the FDIC insurance requirements. © 2025 Third Federal
Annual Percentage Yield (APY) is accurate as of today. You must deposit the amount listed above to open the account and earn the APY. Deposits over $1,000,000 subject to review. After the first six days you may close the account without penalty. An early withdrawal may reduce earnings. Offers and rates subject to change at any time. Funds insured according to the FDIC insurance requirements. © 2025 Third Federal
Annual Percentage Yield (APY) is accurate as of today. You must deposit the amount listed above to open the account and earn the APY. Deposits over $1,000,000 subject to review. CDs subject to penalty for early withdrawal. An early withdrawal may reduce earnings. Offers and rates subject to change at any time. Funds insured according to the FDIC insurance requirements. © 2025 Third Federal
