Current Rates


Certificates of Deposit (CD)*

Traditional CDs are an investment that pays at a higher rate of interest for a specific term. Pine Island Bank offers a wide range of terms to meet your needs. Start your investment today with a minimum of $500.00. Early withdrawal penalty, fees could reduce earnings. 


Special CDs*

24 Month Step-Up Certificate of Deposit 

Our 24-month Step-Up CD is designed to help you out when rates are increasing. It gives you the opportunity to increase your rate one time during the term of the CD. Once you increase your rate, you will earn the new higher rate of interest on the balance in your CD until it matures. 

  • $2500.00 minimum deposit to open 
  • Interest compounded quarterly
  • Increase your interest rate one time during the term of the CD
  • You may make one deposit during the term of no more than the original investment amount or the value of the certificate of deposit on the renewal date
  • You may request a rate exchange without depositing additional funds

36 Month Triple Play Certificate of Deposit

During the 36-Month term, you may make up to 3 deposits in increments of at least $2500.00 and still continue to earn the initial interest rate. This a real benefit if you have additional funds to invest during a time of decreasing interest rates or want to combine several CDs that mature at different times.

  • $2500.00 minimum deposit to open
  • Interest compounded quarterly 
  • Make up to three deposits each term, one per year, of at least $2500.00 each. The maximum amount of the three deposits combined cannot be more than the original investment amount or the value of the certificate of deposit on the renewal date

*Early withdrawal penalty, fees may reduce earnings. 

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