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Market conditions can change like the weather — leaving your interest rate lower than when you started. A certificate of deposit (CD) gives you what other investment strategies can't — a fixed rate that will stay the same for the length of your term. At Oxford Bank, we offer terms ranging from 3 months to 6 years and no monthly service fees.


  • Set aside for future savings goals
  • Competitive, fixed interest rate for length of term
  • Greater earnings than regular savings
  • Receive higher rates by selecting a longer term
  • Provides more guarantee than other risky investments
  • A wide range of terms available (from 3 months to 6 years)
  • Locked rate for length of term
  • No setup or maintenance fees
  • Early withdrawals subject to penalty
  • $500 minimum deposit to open
  • Federally insured by FDIC up to $250,000


APY = Annual Percentage Yield. Penalties for early withdrawal may apply. Rates effective July 1, 2021.

Rates Effective January 18, 2022