Certificates of Deposit (CDs)

Get some of our best rates, on your terms
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Your excess cash works harder in a CD

Various terms for short- or long-term goals
Maximize your savings over a full term
Stable returns for your business

If you're a business owner or a comptroller for a municipality, our CDs provide strong growth for the short-term or several years.


With Xenith, you have options. So whether you're trying to get a boost in savings over the next few months or you want to save excess cash for several years of fixed, steady growth, our CDs have you covered. If you are a loyalty customer, earn even better rates.

  • Choose terms ranging from 1 month to 5 years
  • Money grows at a fixed rate for the CD's term
  • Public Funds CDs available for municipalities
  • Interest credited monthly on CDs of $10,000 or more
  • Interest credited quarterly for CDs less than $10,000
  • Penalties apply for early withdrawal
  • $1,000 to open