Waterfall Bank is here to help you with all of your personal banking needs!
Waterfall Bank CDs and IRAs may be the perfect solution to your savings needs.

Certificate of Deposit (CDs) and Individual Retirement Accounts (IRAs):

• $1,000 Minimum Opening Deposit
• Competitive Interest Rates
• Interest is Compounded Daily and can be Credited Monthly, Quarterly, or Paid at Maturity at your Discretion
• Terms up to Five (5) Years
• For Your Convenience, CDs Automatically Renew Following a 10-day Grace Period

Current Offers

Save Smarter in 2026

If saving smarter is one of your New Year’s resolutions, NOW is the time to act! Start 2026 strong with a 6- or 12-Month high-yield Certificate of Deposit from Waterfall Bank and turn your financial goals into steady, reliable progress. Don’t delay though, these limited-time rates end soon!

Get started

Call (727) 472-3599 or email customerservice@waterfallbank.com to schedule an appointment.

Please note: Annual percentage yield (APY) current as of 1/22/26. You must deposit $50,000.00 minimum at account opening to obtain advertised APY. New money only. New money is defined as money not currently deposited with Waterfall Bank. Fees could reduce earnings. Promotion may end at any time at Waterfall Bank’s discretion. Penalties apply for early withdrawal.