Most certificates just want your money. This one wants to know you.
The Access Advantage 12-Month Certificate is designed for clients who actively use their accounts and want their everyday banking to unlock better returns. Earn up to 4.15% APY with a qualifying relationship, and a competitive 3.90% APY even without one.
Pick your relationship
Step 1: Choose the right checking account
Open the Access Advantage 12-Month Certificate with Total Access or Platinum Access checking.
Step 2: Earn the higher rate
When your checking account qualifies for its high-yield rate, your CD earns 4.15% APY.
Step 3: Keep your relationship working for you
The higher APY is earned while your checking account remains in high-yield status. If it no longer qualifies at any point during the term, the certificate rate adjusts to 3.90% APY for the remainder of the term.
Qualification may not be evaluated immediately after opening, allowing time for activity like direct deposit or ACH to begin.
Annual Percentage Yield (APY) is current as of 01/11/2026 and is subject to change without notice. A $1,000 minimum deposit is required to open the certificate and obtain the stated APY. A penalty may be imposed for early withdrawal. No brokered deposits or institutional funds are eligible. The ACCESS Advantage 12-Month Certificate is available when opened with an eligible personal or business checking account. At account opening, the certificate will earn 4.15% APY when a qualifying checking account is open. For personal checking relationships, the higher APY is earned while the associated checking account continues to qualify for its high-yield interest rate, as outlined in the applicable account disclosures. For PlatinumACCESS Checking, clients must also meet the applicable pillars of Executive Banking. Restrictions apply. For business checking relationships, the higher APY is earned while the associated checking account remains open and in good standing. Qualification will be evaluated at 120 days following account opening to allow time for qualifying activity to begin. If the qualifying checking account does not meet applicable requirements at any time during the certificate term, the certificate rate will be adjusted to 3.90% APY and will remain in effect for the remainder of the term. Interest on the certificate is paid quarterly.
For TotalACCESS Checking, APY = Annual Percentage Yield. The interest rate and APY are variable and depend on the applicable balance tier, and both may change at any time at our discretion. Balance tiers apply as follows: when all requirements are met, interest is paid on daily balances of $0 to $25,000.00 and on daily balances above $25,000.00; if requirements are not met, interest is paid on all balances at the applicable rate. Interest is calculated using the daily balance method, which applies a daily periodic rate to the principal in the account each day. Interest is compounded monthly and credited to the account monthly. The minimum opening deposit is $100. A minimum daily balance of $0.01 is required to earn the disclosed APY. Interest on non-cash deposits begins to accrue no later than the business day we receive credit for the deposit. If the account is closed before interest is credited, accrued interest will be paid. To receive the disclosed APY on balances up to $25,000.00, the following qualifications must be met per statement cycle: (1) at least one direct deposit or ACH debit; (2) a minimum of 10 debit card transactions totaling at least $50 in posted purchases per month, excluding ATM transactions; and (3) enrollment in monthly e-statements. One account per primary account holder.
For PlatinumACCESS Checking, APY = Annual Percentage Yield. The interest rate and APY are variable and depend on the applicable balance tier, and both may change at any time at our discretion. Balance tiers apply as follows: when all requirements are met, interest is paid on daily balances of $0 to $99,999.99 and on daily balances of $100,000.00 and above; if requirements are not met, interest is paid on all balances at the applicable rate. Interest is calculated using the daily balance method, which applies a daily periodic rate to the balance in the account each day. Interest is compounded monthly and credited to the account each statement cycle. The minimum opening deposit is $5,000. A minimum daily balance of $0.01 is required to earn the disclosed APY. Interest on non-cash deposits begins to accrue no later than the business day we receive credit for the deposit. If the account is closed before interest is credited, accrued interest will be paid. A monthly service charge of $30.00 applies and may be waived if a daily balance of at least $10,000.00 is maintained. To receive the disclosed APY on balances up to $99,999.99, the following qualifications must be met per statement cycle: (1) at least one ACH credit of $5,000 or greater; (2) a minimum of 10 debit card transactions totaling at least $500 in posted purchases per month, excluding ATM transactions; and (3) enrollment in monthly e-statements. One account per primary account holder.