Certificates of Deposit

Certificates of deposit (CDs) from Principal Bank can help you strike the perfect balance for your savings. Rest easy - certificates of deposit offer a guaranteed rate of return and are FDIC-insured up to $100,000 per depositor. Open a high-yield CD from Principal Bank and enjoy:

Great CD rates
Guaranteed return on your investment
Monthly compounding so your money grows faster

Our high-yield certificates of deposit are designed to fit your investment needs:

$5,000 minimum deposit
Certificate of deposit terms from 3-72 months available. Learn how to maximize your savings with CD laddering
CD interest may be deposited into a Principal Bank account, added to the CD, or transferred to your checking or savings account at another financial institution
Convenient 24/7 online access to your CD balance information

Check out current CD rates.

Change A Rate CD

Have a feeling rates are going up and don't want to lock in at current rates? Then don't. Open a Change A Rate CD and get a great rate now, plus the opportunity to increase your interest rate one time during the initial term. Learn more about Change A Rate CDs.

It's easy to open your high-yield certificate of deposit.

Call a personal banker at 1.800.672.3343. We're here to assist you 7 AM to 9 PM (Central Time), seven days a week.

Check out current CD rates.

Note: Principal Bank does not accept institutional deposits at this time.