CD Special Offer

CDs Now Earn 4.50% APY*

Put your savings to work with a Forward Bank CD. Choose from flexible terms designed to match your timeline and your goals.

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    Your timeline. Your terms. 4.50% APY*.

    Enjoy flexibility and control with our unique CD designed to adapt to your savings goals. After the first six months of your account term, you can take advantage of special features like adding funds (up to your original balance), bumping your rate once per term, and making a one-time withdrawal of up to 50% of your original balance without penalty.

    It’s a smart way to grow your savings with added flexibility—while still benefiting from a fixed-rate investment.

    Find the term that fits your goals:

    Interest rates for Certificates of Deposit.
    AccountMinimum to OpenInterest RateAPY**Minimum to Earn APY**
    Account3D-CD (19 Month)*Minimum to Open$1,000Interest Rate4.43APY**4.50Minimum to Earn APY**$500
    Account3D-CD (30 Month)*Minimum to Open$1,000Interest Rate4.43APY**4.50Minimum to Earn APY**$500
    Account3D-CD (40 Month)*Minimum to Open$1,000Interest Rate4.43APY**4.50Minimum to Earn APY**$500

    *Rates could change after account is opened. Rates are subject to change without advance notice.
    **APY=Annual Percentage Yield. APY assumes interest is added to account.

    Term Certificates of Deposit and IRA’s may be subject to early withdrawal penalty.

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    Kris Woik

    Colby, WI

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    David Cella

    Park Falls, WI

    They make the opening processes of any account super easy. Their app is also helpful for depositing checks and making transfers. I’ve been happy since switching!

    Chloe Ertl

    Withee, WI

    Frequently Asked Questions

    Explore answers to some of the most common questions about CDs.

    A CD is a savings option that lets you earn a fixed interest rate over a set period of time. That means you’ll know exactly how much your money will grow—making it a great choice for planned savings goals.

    It depends on your timeline. If you know when you’ll need your money, choose a term that matches that goal. Our team is here to help you find the right fit so your savings works for you.

    CDs are designed to keep your money invested for the full term. Early withdrawals may result in a penalty, so it’s best to choose a term that aligns with your plans.

    You can open your CD online in just a few minutes, or connect with a local Forward Bank team member for personalized support.

    Ready to put 4.50% APY* to work?

    Open your CD online in just a few minutes and start making more of your savings.

    *Rates could change after account is opened. Rates are subject to change without advance notice.
    **APY=Annual Percentage Yield. APY assumes interest is added to account.

    Term Certificates of Deposit and IRA’s may be subject to early withdrawal penalty.

    Insurance and Investment products are: Not FDIC Insured. May Lose Value. Are Not Financial Institution Guaranteed. Are Not A Deposit. Are Not Insured By Any Federal Government Agency.