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.

 

Total Access Checking 

Platinum Access Checking

Built for everyday banking with more earning potential.

Total Access rewards routine account activity with the opportunity to earn a higher rate, making it a great fit for clients who use their checking account regularly.

Qualifying for the High-Yield Rate

  • Direct deposit or ACH debit
  • At least 10 posted debit card transactions (excluding ATM transactions) totaling $50 or more
  • Enrollment in monthly e-statements

Designed for Executive Banking clients who want a more personalized, premium experience.

Platinum Access combines elevated service, tailored solutions, and priority support.

Qualifying for the High-Yield Rate

  • ACH credit of $5,000 or greater
  • At least 10 posted debit card transactions (excluding ATM transactions) totaling $500 or more
  • Enrollment in monthly e-statements
 

ready to make your money work harder?

If you’re looking for a certificate that does more than just sit there, let’s talk.

Get Started

 

Frequently Asked Questions

Is the 4.15% APY guaranteed for 12 months?
The certificate opens at 4.15% APY when paired with a qualifying Total Access or Platinum Access checking account. That rate is earned while the checking account remains in high-yield status.

What happens if my checking account stops qualifying?
The certificate rate adjusts to 3.90% APY for the remainder of the term. The CD stays open and continues earning interest.

Can the rate go back up if I re-qualify later?
No. Once the rate adjusts, it remains in effect through maturity.

How is interest paid?
Interest is paid quarterly.

What if my direct deposit hasn’t started yet?
We allow time for qualifying activity, such as direct deposit or ACH, to begin before qualification is evaluated

 



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.

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 qualifies for its high-yield interest rate, as outlined in the applicable account disclosures. For Platinum Access 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 may not be evaluated immediately 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 is paid quarterly.