Jump to a section:

CD DirectSave

Make investing turnkey thanks to CD DirectSave. Set up automatic deposits from your First Mutual Bank checking account into a 6-month CD.

  • Minimum deposit: $25
  • Early withdrawal penalties may apply
  • Requires at least one electronic deposit per month, $25 minimum deposit
  • Increase contributions at any time
  • Seamless, simple investing
  • Account matures in 6 months

Use our calculator to see how investing in a CD can grow your money.

As of 10/14/2025

ProductAPYInterest RateMinimum BalanceDisclosures
DirectSave1.51%1.50%$25

Compounded & credited monthly. Must set up ACH transfer of at least $25 per month from a checking account or outside savings account at account opening. Automatic renewal. 7 day grace period. Penalty for early withdrawal.
*Interest rates and Annual Percentage Yield (APY) are subject to change. Fees could reduce earnings. 

Long-Term CDs

Invest your money longer and earn even more.

  • Minimum deposit: $500*
  • 12-Month CD
  • 18-Month CD
  • 24-Month CD
  • 36-Month CD
  • 48-Month CD
  • 60-Month CD

Use our calculator to see how investing in a CD can grow your money.

As of 10/14/2025

ProductAPYInterest RateMinimum BalanceDisclosures
12-Month CD1.15%1.15%$500
18-Month CD1.20%1.20%$500
24-Month CD1.25%1.25%$500
36-Month CD1.35%1.35%$500
48-Month CD1.45%1.45%$500
60-Month CD1.55%1.55%$500

*$1,000.00 Minimum deposit to open. Early withdrawal penalties may apply.
**Renewal Term is 18 months for the 18 Month CD.
***Renewal Term is 24 months for the 27 Month Jump CD

Short-Term CDs

Get competitive rates with a short-term commitment.

  • Minimum deposit: $500*
  • 3-Month CD
  • 6-Month CD
  • 9- Month CD

Use our calculator to see how investing in a CD can grow your money.

As of 10/14/2025

ProductAPYInterest RateMinimum BalanceDisclosures
3-Month CD0.75%0.75%$500
6-Month CD1.00%1.00%$500
9-Month CD1.00%1.00%$500

Compounded & credited quarterly. Automatic renewal for same term. 7 day grace period for deposits or withdrawals after the maturity date. Penalty for early withdrawal.
*Interest rates and Annual Percentage Yield (APY) are subject to change. Fees could reduce earnings. 

Stay in Control with Online Banking

New and improved, online banking is a streamlined, secure and flexible way to make managing your money easier in ways you never knew you needed.

Let’s Help Your Money Grow

Invest the mutual way.

As a mutual bank customer, your money goes to work in our communities. Every dollar helps people buy homes and grow local businesses. It’s the mutual bank difference.

You’re not alone.

Saving can feel overwhelming, but we’re here to help you! You can always schedule an appointment to meet with a banker.

Helping You Invest Wisely

Gain access to articles, videos and tools, day or night.

Public Service Loan Forgiveness (PSLF)

Working in government service or for a non-profit organization might qualify you for the public service loan forgiveness program (PSLF). However, to fully qualify, you’ll also need to have made…

Save for College

Saving for a college education requires advanced planning and knowledge of what the cost of a college education will be when your student begins his college experience. You’ll first need…

Traditional 401(k) vs Roth 401(k)?

Contributions to a Traditional 401(k) plan are made on a pre-tax basis, resulting in a lower tax bill and higher take home pay. Contributions made to a Roth 401(k) are…

Restructuring Your Budget for Retirement

If you are like many people, you have been planning and building a nest egg for decades for the moment when you finally reach retirement age. However, have you also…

Supplemental Healthcare Coverage in Retirement

The Balance, a personal finance website publisher, recently reported on the alarming rate of medical bankruptcy in the U.S., stating that 643,000 Americans face bankruptcy each year as a result…

Saving Money on College Textbooks

College is an exciting and rewarding time. However, along with the great experience comes a wave of new fees and expenses. One of those expenses is the costs of textbooks…

Maximizing Your Financial Aid Package

There are times when you want to make yourself look poorer — legally, of course. One of those times? When you are helping your children apply for financial aid for…