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Earn 4.00% APY* with an Onward 6-Month CD and move your savings forward!

Onward CD Special

Earn 4.00% APY* when you open an Onward 6-Month CD

with a $1,000 minimum deposit and a Ledyard checking account.

 

Make Life Better CDs

Interested in longer term CDs? Consider these options:

 

Earn 3.50% APY* when you open a 12-Month Make Life Better CD

with a $1,000 minimum deposit and a Ledyard checking account.

 

 

Earn 3.25% APY* when you open a 15-Month Make Life Better CD

with a $1,000 minimum deposit and a Ledyard checking account.

 

 

Certificates of Deposit (CDs)

To open a CD, Open Online, call or visit your local financial center.

A CD offers a fixed interest rate over a specified term, offering a predictable return on investment. When you open a CD, you choose the term length, or how long you'll leave a set amount of money in the account. Overall, CDs are a great choice for investors looking for a safe place to invest their money while earning a predictable return.

 

Highlights

    • Fixed Interest Rates: CDs offer fixed interest rates that are higher than those of regular savings accounts. This allows savers to know exactly how much interest they will earn over the term of the CD. This predictability makes it easier for savers to plan for future financial needs and goals.
    • No Fees: Unlike some investment products, CDs do not come with management or administrative fees, allowing savers to keep more of their earnings.
    • Variety of Terms: CDs are available in a variety of terms. This flexibility allows investors to choose a term that aligns with their financial goals and liquidity needs.
    • Low Risk: CDs are considered low-risk investments because they are insured by the Federal Deposit Insurance Corporation (FDIC) up to the maximum allowed by law.
    • Encourages Savings Discipline: Because CDs typically impose penalties for early withdrawal, they encourage savers to leave their money invested for the full term, promoting disciplined saving habits.
 

*Annual Percentage Yields (APY) accurate as of 10/8/2025 and subject to change without notice. Onward 6-month CDs with a 4.00% APY, Make Life Better 12-month CDs with a 3.50% APY and 15-month CDs with a 3.25% APY require $1,000.00 minimum deposit and a Ledyard National Bank consumer checking account to open, fees may apply. Maximum deposit is $250,000. If this is a CD renewal, the new money requirement is waived, and the amount of your CD rollover will open the account. The minimum required to earn the annual percentage yield disclosed is $1,000. Make Life Better promotional CDs are available to consumers only. We reserve the right to change or discontinue this offer at any time. Penalty may apply for early withdrawal. Fees could reduce earnings on the account. Personal banking relationships within the retail bank are subject to FDIC insurance coverage limits.
 

$250,000 FDIC coverage refers to the total of all deposits that an account owner has at each FDIC-insured bank, per ownership category.

How can we help you plan for what's next?

Let’s talk about how Ledyard Bank can support your financial journey. Contact us or open an account today—it’s fast, easy, and all about you.

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