Maybe there aren’t many guarantees in life, but this is one of them. Save at a fixed rate for the term you choose.



Key Features

  • Guaranteed Returns
  • Competitive, Fixed Rates
  • No Setup or Maintenance Fees
  • Reach savings goals with certainty
  • Competitive, fixed rates
  • Higher rates than standard savings
  • Receive higher rates by selecting a longer term
  • Provides more guarantee than other, more risky investments
  • A wide range of terms available (from 1 month to 5 years)
  • No setup or maintenance fees
  • Early withdrawals subject to penalty
  • $1,000 minimum deposit to open ($500 for Future Growth CD)

You can use CDs as a low-risk investment to reach your financial goals. Learn more in a quick, 3-minute lesson at Community Compass.

Enjoy peace of mind with full FDIC protection on your high-dollar deposits. Our CDARS® service distributes your funds over $250,000 into CDs across different financial institutions — all FDIC insured, and all part of the CDARS network.

Your funds remain secure as they earn competitive interest — and you'll only ever receive statements from Isabella Bank. Put your higher balances to work, and let us do the work for you.

  • Interest above standard savings, which may compare favorably with other investment alternatives
  • Greater security; multi-million dollar FDIC insurance coverage
  • Convenience; everything is managed internally by Isabella Bank:
    • One interest rate
    • One regular statement
    • One year-end tax form
  • Flexible maturity periods available
  • Helps support lending opportunities within your local community

Limits apply. Funds may be submitted for placement only after a depositor enters into a CDARS® Deposit Placement Agreement with us. The agreement contains important information and conditions regarding the placement of funds by us. CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC