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Financial professional shares what a potential rate hike means for youIncredible Certificate (CD) Rates. 12 MONTH CERTIFICATE � % APY. 18 MONTH CERTIFICATE � % APY. 24 MONTH CERTIFICATE � % APY. 30% APY* � 12 Months % APY* � 15 Months % APY*. We offer several FDIC-insured CD options with flexible terms from 90 days to 60 months. See Our Competitive Rates.