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Certificates of Deposit
Looking to invest? BCSB offers highly competitive rates on both short- and long-term certificate accounts.
Discover the best way to meet your goals with our handy Savings Calculators.
Qualified checking customers receive an additional .25% APY on all new regular CD accounts and an additional .50% on CD Special accounts.
Call 410-256-5000 or click here to have an account representative contact you.
Rates effective November 13, 2008
Rates and terms are subject to chnge without notice.
Retirement Accounts and Education Savings Accounts can be opened for terms of 6-60 months with a minimum balance of $100.
| Term4 | Minimum Balance | Interest Rate | APY1 | APY with Checking2 |
| CD Special! 5 months | $1,000.00 | 2.96% | 3.00% | 3.50% |
| CD Special! 10 months | $5,000.00 | 3.44% | 3.50% | 4.00% |
| CD Special! 50 months with bump first 12 months3 |
$5,000.00 | 3.92% | 4.00% | 4.50% |
| 3 months | $1,000.00 | 1.73% | 1.75% | 2.00% |
| 6 months | $1,000.00 | 2.18% | 2.20% | 2.45% |
| 12 months | $ 500.00 | 2.42% | 2.45% | 2.70% |
| 18 months | $ 500.00 | 2.47% | 2.50% | 2.75% |
| 24 months | $ 500.00 | 2.57% | 2.60% | 2.85% |
| 30 months | $ 500.00 | 2.71% | 2.75% | 3.00% |
| 36 months | $ 500.00 | 2.96% | 3.00% | 3.25% |
| 48 months | $ 500.00 | 3.20% | 3.25% | 3.50% |
| 60 months | $ 500.00 | 3.68% | 3.75% | 4.00% |
1APY=annual percentage yield.
2 Bonus rate paid to qualified customers with BCSB checking and direct deposit. Bonus rate not applicable for certificate renewals.
3 One-time rate bump on the 50 month CD Special is allowed during first 12 months of the CD term. When exercising the 50 month CD bump option, the APY for the current 24 month CD term will apply.
4 At maturity CD Specials revert to our standard 6 month CD product.
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