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Designed for longer-term savers with fixed rates of interest for specific terms, you can't go wrong with an Emerald Bank CD. Some of the benefits of our CDs include:

  • Complete flexibility over how we get you your interest
  • Daily compounding of interest
  • Auto renewing featuring on all of our CDs, so you don't have to do anything when your CD matures if you would like it to roll to the exact same term at our current rates
  • 10 day grace period after maturity be decide what you would like to do with your investment
  • Advance notice of pending CD maturity sent directly to you

Certificate of Deposit (CDs)

A minimum investment of only $500 allows you to access CD terms from 3 months to 60 months. Just like our money market accounts, interest is compounded daily and paid monthly. You have the choice of reinvesting your interest back into the CD to allow for your investment to keep growing, or if you like, your interest can be transferred to another account or a check mailed to you. The method of disposition of your interest is in your control with Emerald Bank. (Check out our CD rates!)
Minimum to open: $500.00
Daily interest accrual (compounded)
No deposits allowed on this account before maturity (special promotions may have this feature)
Early withdrawal penalties apply as follows: Original term of one year or less, 90 days interest on the amount withdrawn. Original term of more than I year, 180 days interest on the amount withdrawn.
Maturity notice will be sent 30 days prior to renewal
10 calendar days grace period after maturity to change terms or close CD

Certificate of Deposit (IRAs)

The same great benefits as our regular CDs but with the advantage of tax-deferred earnings growth. Emerald Bank offers Traditional IRAs, Conduit IRAs, and Roth IRAs. (Check out our IRA CD rates!)
Minimum to open: $500.00
Daily interest accrual (compounded)
No deposits allowed on this account before maturity (special promotions may have this feature)
Early withdrawal penalties apply as follows: Original term of one year or less, 90 days interest on the amount withdrawn. Original term of more than I year, 180 days interest on the amount withdrawn.
Maturity notice will be sent 30 days prior to renewal
10 calendar days grace period after maturity to change terms or close CD

Emerald Bank offers a variety of IRAs for your retirement or educational savings plan.
Traditional IRA:
The traditional IRA allows you to defer taxes on your contributions until they are withdrawn. Also, certain contributions are tax deductible in the tax year for which you make them.
Roth IRA:
The Roth IRA allows only nondeductible contributions and features tax‑free withdrawals for certain distribution reasons for a five‑year holding period. Roth IRA contributions are nondeductible and taxed in the year they are earned.
To see our current Deposit Rates... • Investment Calculator • Retirement Calculator
* As with all tax related issues, be sure to consult with an accountant or other qualified advisor regarding eligibility and tax implications.
Emerald Bank • p: 614.793.4631 • f: 614.793.8922 • e: eblink@EmeraldBank.com
6215 Perimeter Drive • Dublin, Ohio 43017