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Certificates of Deposit

4.50%
APY*
Start saving today with a 100% insured Windward 3 month Certificate of Deposit (CD)
Minimum opening balance $10,000
Apply now

Certificate of Deposit

Windward Certificates of Deposit (CDs) are a secure and reliable way to grow your savings. Offering competitive high yield fixed rates and terms from 3 to 24 months. Choose the account that aligns with your financial goals.

Competitive Fixed Rates

Benefit from some of the best interest rates in the market, tailored to different term lengths to suit your financial needs.

Clear Terms

Enjoy the peace of mind that comes with knowing exactly how much you will earn by the end of the term.

Safety and Security

Assurance that 100% of your money is protected with FDIC and DIF* deposit insurance.

Easy Account Management

Manage your CD account through our easy online and mobile banking platform, making it convenient to track your investment.

Competitive rates on your terms.

3
Month CD
Annual Percentage Yield
4.50%
Interest Rate
4.40%
Min. Balance to Open*
$10,000
Apply now
6
Month CD
Annual Percentage Yield
4.25%
Interest Rate
4.16%
Min. Balance to Open*
$10,000
Apply now
9
Month CD
Annual Percentage Yield
4.00%
Interest Rate
3.92%
Min. Balance to Open*
$10,000
Apply now
12
Month CD
Annual Percentage Yield
3.75%
Interest Rate
3.68%
Min. Balance to Open*
$10,000
Apply now
18
Month CD
Annual Percentage Yield
3.50%
Interest Rate
3.44%
Min. Balance to Open*
$10,000
Apply now
24
Month CD
Annual Percentage Yield
3.50%
Interest Rate
3.44%
Min. Balance to Open*
$10,000
Apply now

Get started today

Choose the Windward Certificate of Deposit that best fits your needs and start earning a high yield fixed rate.

Access your accounts anywhere anytime with the Windward mobile banking app.

Fully Insured**

Every Windward Bank account of any amount is 100% insured with FDIC and DIF

FAQs

Here are a few answers to frequently asked questions

Read more FAQs
What are the benefits of using a digital bank?

Digital banks offer convenience, lower fees, higher interest rates on savings accounts, and innovative features such as mobile check deposit. You can manage your finances anytime, anywhere, without needing to visit a physical office.

How do I open a Windward Bank account?

Opening an account with us is simple and can be done entirely online. Just visit our website or download our mobile app, follow the instructions, and provide the necessary information. You may need to verify your identity using government-issued ID and other documents.

Is a digital bank safe?

Yes, digital banks use advanced security measures such as multi-factor authentication and encryption to ensure the safety of your transactions and personal information. Additionally, digital banks are regulated by financial authorities that oversee traditional banks with physical locations.

What is a digital bank?
A digital bank is a financial institution that operates entirely online without physical locations. It provides banking services such as savings accounts, checking accounts, loans, and investment opportunities through digital channels like websites and mobile apps.

Get started

Discover a new direction in banking.

Move forward, with Windward.

Open Account

Rates effective as of 8AM 12/20/24 and subject to change without notice.

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*The Annual Percentage Yield (APY) is based on monthly compounding with funds held to maturity. $10,000 minimum deposit required to open. Additional deposits are not permitted. Early closure of a Certificate of Deposit (CD) may incur an early withdrawal penalty. For CDs with terms of 3, 6, 9 or 12 months, the penalty is 90 days of interest. For CDs with terms of 18 or 24 months, the penalty is 180 days of interest. Penalties may reduce the principal.

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**While the Federal Deposit Insurance Corporation (FDIC) insures deposits up to $250,000 per depositor, per institution, DIF insurance offers additional coverage. With DIF, all deposits above the FDIC limits are insured in full.