Certificate of Deposit (CD) | Bank of St. Croix

Secure the future for those you love.

Our Certificates of Deposit offer guaranteed rates, providing a predictable and safe way to save for long-term goals. At Bank of St. Croix, we know that saving for the future should feel safe, simple, and rewarding. That’s why our Certificates of Deposit (CDs) are a perfect choice. With a CD, you get a guaranteed savings return on your money. No guessing, no market risks—just a promise that your savings will grow over time. We are here to help you get the best guaranteed CD rates and reach your goals sooner!

Current CD Rates!

18-Month CD Term

1.95% APY*

24-Month CD Term

2.10% APY*

36-Month CD Term

2.30% APY*

*Annual Percentage Yields current as of 12/30/2025. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates are subject to change at any time. A minimum deposit of $1,000 is required to open a CD. CDs renew automatically to a standard rate in effect at the time of renewal unless instructed otherwise. See associate for details.

New Money only. Funds may not be transferred from existing Bank of St. Croix account(s) to fund new CD(s).

What is a Certificate of Deposit? Simple Steps to Safe Savings

A Certificate of Deposit is an agreement: you keep your money at the bank for a fixed time (called the term), and in return, we give you a higher, fixed interest rate than a regular savings account. If you are looking for a guaranteed investment option with no risk in St. Croix, this is it. Here are just a few reasons why you should choose a Bank of St. Croix CD:

Fixed Rate Promise: You get a fixed rate savings account with no risk. The rate you start with is locked in, helping you plan your future exactly.
Guaranteed Growth: We promise a guaranteed savings return. You will know exactly what your money will look like when the term ends.
Local Support: You get personal service from your trusted local St. Croix bank.

Short-Term Certificates of Deposit

A short-term CD typically has a term of one year or less, such as a 3-month or 6-month CD. Because the money is held for a shorter period, the interest rates are generally lower than those for long-term CDs. This type of CD is a great choice if you need access to your money sooner rather than later and still want to earn more interest than a regular savings account such as:

Saving for a Vacation
Emergency Fund with a Boost
Saving for Holiday Shopping

Short term certificates with terms of less than 1 year are available. Certificates have fixed rates and terms, and require a minimum deposit. These certificates automatically renew upon maturity at current rates. Customers have a ten (10) calendar day grace period at maturity to make additions, withdrawals or other changes without incurring a penalty.

Long-term Certificate of Deposit

A long-term CD has a term of more than one year, with common options being 1, 3, or even 5 years. Banks offer a higher interest rate for long-term CDs because they have access to your money for a longer period. This is an excellent option if you have a goal far in the future and want to maximize your savings with a higher, fixed rate such as:

Saving for a Down Payment on a House
Retirement Savings
Saving for a Child’s College Education

Long term certificates with terms of 1-5 years are available. Certificates have fixed rates and terms, and require a minimum deposit. These certificates automatically renew upon maturity at current rates. Customers have a ten (10) calendar day grace period at maturity to make additions, withdrawals, or other changes without incurring a penalty.

Visit a Local St. Croix Banking Center to Open Your CD!

We keep our CD rates competitive to give the St. Croix community the best opportunity to save.

Since we focus on giving you the best, most personal service, stop by one of our local St. Croix banking centers today to open a Certificate of Deposit! Our friendly Bank of St. Croix experts will show you our current CD rates and help you start your account quickly. Find the closest branch to open your CD and lock in your rate below.

Gallows Bay Banking Center – St. Croix

Location Information
5025 Anchor Way
Christiansted, VI 00820
USVI
Get Directions

Phone (340) 773-8500
Toll-Free 1-844-379-9938

Lobby Hours
Monday-Thursday: 9am to 3pm
Friday: 9am to 3:30pm
Saturday: Closed

Walk-Up Window Hours
Monday-Friday: 8:30am to 4pm
Saturday: Closed

Peter’s Rest Banking Center – St. Croix

Location Information
6702 Estate Peter’s Rest
Christiansted, VI 00820
USVI
Get Directions

Phone (340) 713-8500
Toll-Free 1-844-379-9938