Whether it’s for a special purpose or “just in case,” we have a way for you to save
Certificate of Deposits (CDs) and Individual Retirement Accounts (IRAs) are a great, low-risk way to grow the money you have into the future you want. Safe, ready for growth, and surprisingly easy, these are how we turn money into wealth. Start small or go big — we can help you meet your goals.
We've lowered our minimum opening deposit to make it more accessible to anyone
Are you looking to save, but a higher minimum opening deposit is making it hard to get started? BS&L offers a fixed-rate add-on CD, and all you need is $100 to open one. In addition, these give you more flexibility to grow your savings, because they allow you to make additional deposits — any time, any amount, throughout the term. It doesn't matter whether you have $100,000 or $100 — we'll give you the same great rate! Come in today and open a CD.
Features
- Competitive rates
- $100 minimum balance to open
- Make additional deposits any time, any amount
- FDIC insured
10/22/2026
Long-Term Certificate of Deposit (CD) and Individual Retirement Account (IRA) Rates*
With a long-term CD, you can grow your money over a set period of time, and earn interest at a higher, fixed rate until your CD matures (the term ends). If you're looking to save for a large purchase like a down payment on a home or buying a car, a longer-term option might be right for you. However, if you think you'll need access to your money sooner rather than later, and you want to avoid worrying about early withdrawal fees, then a shorter-term CD might make more sense.
Features
- Competitive rates
- $500 minimum balance to open
- FDIC insured
* Annual Percentage Yield (APY). A penalty may be assessed for early withdrawal. Any certificate can be opened as an individual retirement account. Annual Percentage Yields (APYs) effective as of 10/22/26 and may change at maturity. Limited-time offer, may be withdrawn at any time.
Note: Rates are subject to change without notice, and may change after account opening. Fees may reduce earnings. Penalty for early withdrawal from Certificate of Deposit which may reduce earnings. To obtain a full set of disclosures, please call us at (802) 254-5333.