Welch State Bank’s Certificate of Deposit (CD) offers you an opportunity to earn an interest on a safe and secure product and most CDs offer a fixed rate of return. We offer competitive rates on Certificate of Deposits with terms from 14 days to 5 years to meet your savings needs. Some CDs have minimum balances as low as $500.00, and we also offer jumbo rates. With so many choices, we’re sure to have a product with a term to meet your financial needs.

We also offer optional interest payouts. Interest is paid by check or added to the Certificate of Deposit or deposited into another account. Interest payout options include monthly, quarterly, semi-annual or annual interest payments on terms of 12 months or more.

With over 80 years of experience and a Member FDIC, we’re a safe place for your CD investments.

Withdrawals prior to maturity may be subject to an early withdrawal penalty.

See our Schedule of Fees


It’s the easiest, most convenient way to enjoy access to full FDIC insurance on large deposits.

The convenience of one bank, one rate, one statement for your entire investment needs.