Banking

High Yield CDs

Our personal Certificate of Deposit (CD) accounts safely grow.

Competitive rates. Guaranteed returns. Terms from 6 to 60 months.

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Open My CD Account

This is what a CD account should be.

Offer a reliable way to grow your money.

Competitive APY

Guaranteed returns with competitive interest rates
10-day rate lock guarantee
10-day renewal grace period
FDIC insured up to $250,000 per depositor
Secure access to your account at all times

CD Account Details

Our CDs offer a reliable way to grow your money.

CDs conditions should be clear and predictable. Here is exactly what you can expect, with no hidden conditions or surprises.

Minimum Opening Deposit: $500.00
Available terms: 6, 9, 12, 15, 18, 24, 30, 36, 48 and 60 months
Early Withdrawal Fee: May Apply

Open your CD account in minutes

Apply online in minutes with a few basic details and start earning right away.

U.S. resident, age 18 or older

Linked external bank account for funding

Valid government-issued ID

Review and accept the Deposit Terms and Conditions

Valid Social Security Number  (SSN)

No minimum deposit required to get started

How it works

Get started in minutes

Open My CD Account

Apply online

Complete a quick application with a few basic details.

Verify your identity

Confirm your details using a valid government-issued ID.

Link your external account

Connect your bank account to fund your savings.

Start earning

Transfer funds and begin earning interest right away.

Disclosures:
‍1. You may not make any deposits into your account before maturity.

2. Early withdrawal fee may apply:
a. CDs terms < 12 months - 90 Days Simple Interest
b. 12 – 36 months – 120 Days Simple Interest
c. > 36 months – 180 Days Simple Interest

Additional Rate Information
Rate lock guarantee: It may take several days to link your CD account to an external account, and the funding process may be delayed. Your CD is not considered an active account until the two accounts have been linked and confirmed. If you complete the process of linking and funding your CD within 10 calendar days of your CD application date and there has been a change in the offered interest rate your CD's term during that time, we will apply whichever interest rate is higher- the rate on your application date or the rate on the date we receive your deposit.

© 2026 Always.bank Powered by 22nd State Banking Company.
All rights reserved. FDIC-Insured – Backed by the full faith and credit of the U.S. Government.

Deposits held at Always.bank and 22nd State Bank are combined for FDIC insurance coverage and insured to a total of $250,000 per depositor, per ownership category. By visiting and using this website, you agree that your use of the site, as well as any account you open with Always.bank, is governed by the laws of the State of Alabama without regard to its choice-of-law principles.

© 2026 Always.bank a Division of 22nd State Banking Company. All rights reserved. FDIC-Insured – Backed by the full faith and credit of the U.S. Government

Deposits held at Always.bank and 22nd State Bank are combined for FDIC insurance coverage and insured to a total of $250,000 per depositor, per ownership category. By visiting  and using this website, you agree that your use of the site, as well as any account you open with Always.bank, is governed by the laws of the State of Alabama without regard  to its choice-of-law principles.

High Yield CDs

Our personal Certificate of Deposit (CD) accounts safely grow.

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