APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution.
Lines containing rates, copied from the public page below; open that page for full terms. Never enter account details on apyledger.com.

Source: https://www.stearnsbank.com/personal/cds
Read: 2026-10-22T16:25:15.000Z

Term | Minimum Opening Deposit | Interest Rate | APY*
3 months 1,2,3,** | $500 | 3.85% | 3.90%
6 months 1,2,3,** | $500 | 3.90% | 3.94%
12 months 2,4,5 | $500 | 3.85% | 3.85%
18 months 2,4,5 | $500 | 3.65% | 3.66%
*APY means Annual Percentage Yield. Interest Rates and APYs are current as of 10/1/2026. Rates are subject to change at any time.