Certificate of Deposit (CDs)


Lock in a guaranteed rate, higher than regular savings in a CD from Baylake Bank. You always know exactly what you’re saving and when. 

Select the timeframe that works best for you from our wide range of terms – longer terms paying higher rates. Then come your maturity date, that exact amount of savings is ready to be applied toward whatever financial goal you have in mind.


  • Fixed rates, higher than regular savings guaranteed for the length of term
  • Receive an even higher rate by selecting a longer term
  • Locked-in rates provide more guarantee than other risky investments
  • Terms ranging from 30 days to 48 months available*
  • No setup or maintenance fees
  • Early withdrawals subject to penalty
  • Automatically renews at maturity
  • $1,000 minimum deposit to open
  • FDIC insured up to $250,000     

*For CDs with maturities of greater than 180 days, interest can be paid to you conveniently by automatic deposit into a Baylake Bank account. Speak to your Personal Banker about your preferred payment method at account opening.