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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

Shift Your Savings into High Gear

Take your savings strategy to the next level with Waterfall Bank’s limited-time promotional Certificate of Deposit rates. Our 6- and 9-month CDs offer high yields designed for those who expect their money to perform as hard as they do.

Lock in this competitive rate today and enjoy the confidence of secure, steady growth — backed by the FDIC and serviced by Waterfall Bank’s top-tier concierge service providers.

Get started

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

Please note: Annual percentage yield (APY) current as of 10/14/25. You must deposit $10,000.00 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.