Promotional Certificate of Deposit (CD)
4.05% APY*for an 11-Month Term |
4.35% APY**for a 6-Month Term |
Open your CD in minutes!

Promotional Certificate of Deposit (CD)

Open your CD in minutes!
Want to visit in-person?
500 S. County Farm Rd.
Wheaton, IL 60187
24/7 Online Account Access
Dedicated Concierge Customer Service
No Hidden Fees
Work with us to maximize your FDIC insurance coverage
24/7 Online Account Access
Dedicated concierge customer service
No hidden Fees
Work with us to maximize your FDIC coverage
5-Star Rating
for a 5-star experience.
Grand Ridge National Bank has been awarded the highest rating of 5 stars for safety, strength, and security from Bauer Financial, an independent bank rating organization. We’re proud to have received this award for 37 consecutive quarters.
5-Star Rating
for a 5-star experience.
Grand Ridge National Bank has been awarded the highest rating of 5 stars for safety, strength, and security from Bauer Financial, an independent bank rating organization. We’re proud to have received this award for 37 consecutive quarters.
Grand Ridge is a great bank for business. They are so easy to work with and I can always reach someone ASAP when I need to, unlike other banks.
I have banked with Grand Ridge National Bank for more than 7 years. […] Hands down the best bank in Chicagoland.
I’ll never go back to the big corporate banks after getting the local community bank experience at GRNB!
Do the Math.
Don’t just take our word for it.
Common Questions About Certificates of Deposit (CDs)
What is a certificate of deposit?
A Certificate of Deposit (commonly known as a “CD“), is a type of savings account where you deposit a fixed amount of money for a specific period, usually ranging from a few months to several years. In exchange for leaving your money in the CD for the agreed term, you receive a guaranteed interest rate that is typically higher than traditional savings accounts.
What is the minimum deposit required to open a certificate of deposit?
The minimum deposit required to open a Certificate of Deposit and receive our special rate is $5,000. We do offer a variety of other terms with different minimum deposits. Book an appointment to learn more.
Are Certificates of Deposit FDIC-insured?
Yes, our Certificates of Deposit are FDIC-insured up to at least $250,000 per depositor per ownership category.
Can Grand Ridge Offer Higher FDIC Insurance on Larger Balances?
Yes, Grand Ridge National Bank is a member of the IntraFi Network. With IntraFi’s ICS & CDARS services we can provide multimillion-dollar FDIC insurance protection with the simplicity of working directly with us. Just ask for more details.
How will I know when my certificate of deposit hits maturity?
Approximately 10 days before the maturity date, you will receive a letter in the mail indicating your CD is approaching maturity. This notice will provide all the details of the account and make you aware that you will have a 10-day grace period after the maturity date to make any withdrawals, deposits, or other changes.
So... what's the catch?
No catch! While we encourage you to experience boutique banking to the fullest by also opening a Premier Checking account, you do not need to sign up for any additional accounts or jump through hoops to get this amazing offer.
Common Questions About Certificates of Deposit (CDs)
What is a certificate of deposit?
A Certificate of Deposit (commonly known as a “CD“), is a type of savings account where you deposit a fixed amount of money for a specific period, usually ranging from a few months to several years. In exchange for leaving your money in the CD for the agreed term, you receive a guaranteed interest rate that is typically higher than traditional savings accounts.
What is the minimum deposit required to open a certificate of deposit?
The minimum deposit required to open a Certificate of Deposit and receive our special rate is $5,000. We do offer a variety of other terms with different minimum deposits. Book an appointment to learn more.
Are Certificates of Deposit FDIC-insured?
Yes, our Certificates of Deposit are FDIC-insured up to at least $250,000 per depositor per ownership category.
Can Grand Ridge Offer Higher FDIC Insurance on Larger Balances?
Yes, Grand Ridge National Bank is a member of the IntraFi Network. With IntraFi’s ICS & CDARS services we can provide multimillion-dollar FDIC insurance protection with the simplicity of working directly with us. Just ask for more details.
How will I know when my certificate of deposit hits maturity?
Approximately 10 days before the maturity date, you will receive a letter in the mail indicating your CD is approaching maturity. This notice will provide all the details of the account and make you aware that you will have a 10-day grace period after the maturity date to make any withdrawals, deposits, or other changes.
So... what's the catch?
No catch! While we encourage you to experience boutique banking to the fullest by also opening a Premier Checking account, you do not need to sign up for any additional accounts or jump through hoops to get this amazing offer.
An expert team of bankers
for a premier boutique banking experience.
Our goal is to be recognized for superior service and value by our customers. Our unrivaled commitment to financial strength, safety, and performance is what makes us stand out from the rest. You deserve the best in banking – contact us today!
An expert team of bankers
for a premier boutique banking experience.
Our goal is to be recognized for superior service and value by our customers. Our unrivaled commitment to financial strength, safety, and performance is what makes us stand out from the rest. You deserve the best in banking – contact us today!
Grand Ridge National Bank was founded on April 6, 1903. Over the past 100+ years, we’ve evolved from a small community bank to a premier boutique bank for individuals and businesses. We deliver the best financial services and products by an experienced top-tier team.
Grand Ridge National Bank was founded on April 6, 1903. Over the past 100+ years, we’ve evolved from a small community bank to a premier boutique bank for individuals and businesses. We deliver the best financial services and products by an experienced top-tier team.
*For the 11-month promotional CD, as of 2/3/2025, the Annual Percentage Yield (APY) for the account is 4.05% and assumes quarterly compounding. Limited time offer which may be withdrawn at any time and cannot be combined with other offers. Promotion is for new customers to Grand Ridge National Bank who deposit new money. New money is defined as money that has not been previously held by any Grand Ridge National Bank location. Minimum balance to open this certificate of deposit (CD) and earn stated APY is $5,000. Penalty for early withdrawal may reduce account earnings. Upon maturity, this CD will automatically renew into a 12-month fixed rate certificate earning the then current APY of the 12-month CD, unless otherwise directed by customer.
**For the 6-month promotional CD, as of 2/3/2025, the Annual Percentage Yield (APY) for the account is 4.35% and assumes quarterly compounding. Limited time offer which may be withdrawn at any time and cannot be combined with other offers. Promotion is for new customers to Grand Ridge National Bank who deposit new money. New money is defined as money that has not been previously held by any Grand Ridge National Bank location. Minimum balance to open this certificate of deposit (CD) and earn stated APY is $5,000. Penalty for early withdrawal may reduce account earnings. Upon maturity, this CD will automatically renew into a 6-month fixed rate certificate earning the then current APY of the 6-month CD, unless otherwise directed by customer.