Celtic Bank offers a variety of products to meet your long term saving goals. We provide time certificates of deposit and money market accounts for as low as a $1,000 balance.

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Celtic Bank Personal or Business Money Market Account (MMA)

  • Interest bearing – tiered account
  • $1,000 minimum opening deposit
  • $1,000 daily minimum balance to avoid service charge
  • One free wire transfer per month
  • Up to six third-party withdrawals/checks per month
  • FDIC insured funds up to $250,000
  • Visit for FDIC deposit insurance calculator

Money Market Accounts - $1,000 Minimum Daily Balance

Term Interest Rate APY*
Money Market Account less than 20K 0.07% 0.07%
Money Market Account 20K to 100K 0.11% 0.11%
Money Market Account 100K - 1 Million 0.37% 0.37%
Money Market Account more than 1 Million 0.65% 0.65%


Celtic Bank Certificates of Deposit (CD)

  • $1,000 minimum opening deposit
  • Fixed rate on entire balance for length of CD term
  • Many terms available from 6 months to 10 years
  • Interest may be compounded or mailed to you via check
  • FDIC insured funds up to $250,000
  • Visit for FDIC deposit insurance calculator


Certificates of Deposit - $1,000 Minimum Daily Balance

Term Interest Rate APY*
6 Month 0.18% 0.18%
1 Year 0.25% 0.25%
18 Months 0.37% 0.37%
2 Year 0.40% 0.40%
3 Year 0.81% 0.81%
4 Year 1.22% 1.23%
5 Year 1.59% 1.60%

*Annual Percentage Yields and Interest Rates are current as of April 16th, 2014. These rates may change at any time without prior notice. A penalty will be imposed for early withdrawal on all Certificates of Deposit, With few exceptions. Fees could reduce the earnings on the account. For current rates, please call us at 1-800-854-7848 during normal business hours. Celtic Bank is an Equal Housing Lender, Member FDIC.