Grow Your Savings with a Certificate of Deposit (CD)
Lock In a Great Rate with Flexible CD Today!
Open a CD AccountIf you’re looking for a low-risk way to grow your savings, a Certificate of Deposit (CD) from Points West Community Bank offers fixed interest rates and guaranteed returns you can count on. Much like a fixed-rate savings account, a bank CD account allows you to earn more by committing your funds for a set term, with options ranging from six months to 12 months or more.
When you open a CD with Points West, you’re choosing security, stability, and peace of mind. The longer your term, the more your money works for you, steadily and predictably.
Why Choose PWCB for Your CD Account?
We proudly offer competitive CD rates across Colorado, Nebraska, and Wyoming, with fixed interest rates on every CD term. Whether you’re looking for a short-term CD or planning further ahead, we offer:
- 6-month CD accounts
- 9-month CD accounts
- 12-month CD accounts
- Long-term CDs ranging from 2 to 5 years
Every Certificate of Deposit at Points West Community Bank is FDIC insured up to applicable limits, providing dependable protection for your savings.
Whichever type of savings plan you need, you’ll receive local service and personalized account support, with easy account setup at every branch location.
CD Features and Benefits
Our CDs are trusted by families, farmers, and business owners alike because they offer guaranteed returns with fixed-rate terms based on the length you choose. Typically, longer terms earn higher interest rates, giving you a clear reward for planning ahead.
With a Points West CD account, you’ll enjoy:
- Fixed interest rates for predictable growth
- No market risk
- No hidden fees
- FDIC insurance coverage up to applicable limits
When your CD reaches maturity, you can withdraw your funds, transfer them, or allow your CD to automatically renew and continue earning interest. Certificates of Deposit are ideal for goal-based savings, conservative investment strategies, or setting aside funds you won’t need immediately.
If you know your timeline, we’ll help you match it with the right CD term.
How to Open a Certificate of Deposit
Opening a CD account is simple.
Start by choosing the term that fits your savings goals. Consider how long you’re comfortable locking in your funds — whether that’s six months, one year, or several years. Some customers choose what’s known as a “CD ladder,” dividing funds into multiple CDs with staggered terms so money becomes available at regular intervals while still earning competitive CD rates.
Then visit a Points West branch or contact a banker to get started. Once you fund your CD with your desired deposit amount, you can sit back and watch your money grow.
Start My ApplicationProudly Offering CDs in Colorado, Nebraska, and Wyoming
Points West Community Bank proudly offers Certificates of Deposit and local banking services across Colorado, Nebraska, and Wyoming.
In Colorado, we serve communities throughout the Front Range, including Fort Collins, Loveland, Greeley, Wellington, and Windsor.
In Nebraska, we support families and businesses across the Panhandle and central counties, with locations in Sidney, Chappell, Fullerton, and beyond.
In Wyoming, our branches provide personalized service in Torrington, Lingle, Pine Bluffs, Douglas, and surrounding communities.
Whether you’re opening a short-term CD, building a long-term savings plan, or exploring other savings account options, our team is here to help you make confident financial decisions.
Start Saving with a Fixed Rate CD from Points West!
If you have any questions about how to set up a CD account or need help considering your options, one of our local bankers is here to help. Please contact a local banker or fill out the form online to get started. We also offer checking accounts, plus home loans, personal loans, and auto loans. You can also check out our blog for information on a wide range of financial and business topics.
Open a Savings Account Contact UsCD Account FAQs
A Certificate of Deposit (CD) is a savings account with a fixed interest rate and a fixed term. When you open a CD, you agree to leave your money deposited for a specific period, such as 6 months, 12 months, or several years — in exchange for a guaranteed rate of return. Because your funds are committed for a set time, CD rates are often higher than traditional savings accounts.
At Points West Community Bank, our CDs are FDIC insured up to applicable limits, offering secure, predictable growth.
CD rates are typically higher than standard savings account rates because you agree to keep your money deposited for a fixed term. A traditional savings account offers flexibility to withdraw funds at any time, while a Certificate of Deposit rewards you with a stronger rate for leaving your funds untouched until maturity.
If you have money set aside that you won’t need immediately, a CD account can be a smart way to earn more while avoiding market risk.
Points West Community Bank offers a range of CD terms to fit your savings goals, including:
6-month CDs
9-month CDs
12-month CDs
Long-term CDs from 2 to 5 years
Our bankers can help you compare current CD rates and select the term that aligns with your financial timeline.
Yes. Because a Certificate of Deposit offers a fixed rate in exchange for committing your funds, withdrawing money before the maturity date may result in an early withdrawal penalty. The penalty amount depends on the length of your CD term.
Before opening your CD account, we’ll clearly explain all terms so you can make an informed decision.
Yes. All Certificates of Deposit at Points West Community Bank are insured by the Federal Deposit Insurance Corporation (FDIC) up to applicable limits. This means your deposit is protected, offering a secure and reliable way to grow your savings.
We currently do not offer online account opening. Please visit a branch to get started today!
In most cases, yes. Longer CD terms typically offer higher interest rates because you are committing your funds for a longer period of time. However, rates may vary depending on market conditions.
Our team can walk you through current CD rate options so you can choose the term that best fits your savings strategy.
When your Certificate of Deposit reaches its maturity date, you have several options:
Withdraw your funds
Transfer the money into another account
Renew your CD for another term
If no action is taken during the grace period, your CD may automatically renew at the current rate for the same term. We’ll notify you before maturity so you can decide what works best.
Minimum opening deposit requirements may vary depending on the CD term and current rate offerings. A local banker can provide the most up-to-date information and help you determine the right deposit amount for your goals.
Yes. A CD ladder is a strategy where you divide your savings into multiple Certificates of Deposit with different maturity dates. This allows you to access portions of your funds at regular intervals while still benefiting from competitive CD rates.
Many customers use CD laddering to balance flexibility and higher fixed returns. Our team can help you structure a ladder that fits your financial timeline.