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Certificates of Deposit

CDs allow you to earn higher dividends at a guaranteed fixed rate. Enjoy this low-risk investment option while watching your savings grow – it’s that simple!


With a CD at Southwest Financial, you’ll enjoy

  • Minimum opening deposit of $500
  • Terms to fit your savings goals, from 12 to 36 months
  • Tiered dividend is paid monthly (longer term = better rate = more money)
  • Reinvest your dividends in your certificate or transfer it to another Southwest Financial account
  • View your CD balance online or through our mobile app
  • Automatic renewal, with a grace period of 10 calendar days after maturity to withdraw
  • Funds insured by the NCUA up to $250,000
  • Southwest Financial provides excess share insurance through ESI for an additional $250,000


As with other investment accounts, a penalty is assessed for early withdrawals and could reduce your earnings.