15-day Best Rate Guarantee
Open your CD and fund within 15 calendar days, and if the rate is higher on the day you fund, we’ll give you the best rate.
Award winning products*
*MyBankTracker.com 2018 Best CD (5-year)
FDIC Insured
We’re a member of the FDIC and our CDs and savings accounts are FDIC insured.
Choose a great rate.
Make it count.
Explore Stansdale Bank CD rates and terms.
CD: How it works.
Think of a vault, where your money stays safe for a specific period of time—but can also earn interest while it’s protected. That’s a good start to understanding CDs.
Want to learn more?
Looking for other options?We’ve got them.
High Yield Savings (HYS) High Yield Savings (HYS)
Money Market Accounts (MMAs) Money Market Accounts (MMAs)
FAQ
We may assess an early withdrawal penalty if you withdraw funds from the principal prior to the CD maturity date—the last day of the CD term. The penalty is applied to the amount of principal withdrawn (there’s no penalty on interest).
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Penalty Amounts
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Terms of 12 months or less
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90 days of simple interest at the current rate
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Terms of more than 12 months but less than 48 months
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180 days of simple interest at the current rate
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Terms of 48 months or more
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365 days of simple interest at the current rate
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Exceptions: For information on exceptions. |
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For help with your CD, .
Stansdale Bank does not provide tax advice. Please consult your tax advisor for actual advantages and any potential tax implications before withdrawing funds from an IRA CD.
You can withdraw interest paid during your CD’s current term anytime without penalty. You can transfer the interest to a Stansdale Bank High Yield Savings or Money Market Account or a non-Stansdale Bank account. For help withdrawing your interest, .
After you initially fund your CD you can make deposits only during the 10-day grace period after the CD matures. This applies to IRA CDs as well.
If you are interested in adding money to your CD portfolio, consider a CD ladder strategy. A CD ladder strategy is a way of managing your CD portfolio so that instead of depositing funds in just one CD, funds are spread out in several CDs of different terms, such as from one to five years. With this strategy, you can benefit from more frequent access to your funds while still taking advantage of the often-better rates that accompany longer term CDs. Plus, with CD terms spread over a longer time period, interest rate fluctuations would not impact your entire portfolio. Read more about CD ladder strategy.
More questions about your IRA CD? .
