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Certificates of Deposit (CD'S)

We offer CDs at various rates and terms to help you with your investment needs.  Please contact us for current rates and terms.

  • CDs are fixed rate accounts.  The interest rate and annual percentage yield will not change for the term of the CD.
  • Interest is compounded quarterly and credited quarterly.
  • The Annual Percentage Yield (APY) assumes that interest will remain on deposit.
  • CDs automatically renew.  You will have 10 calendar days after the maturity date to withdraw funds without penalty.
  • We may impose a penalty if you withdraw funds other than interest before the maturity date.
  • If a withdrawal occurs, earnings will be reduced.
  • $500 minimum to open account.  Additional deposits are not permitted.
  • CFB Pricing Schedule



Ladysmith Branch


Cumberland Federal Bank


Cumberland Federal Bank is pleased to be a part of the Ladysmith community. With over 85 years of serving the Cumberland area, Cumberland Federal Bank looks forward to supporting the thriving commercial small business enterprises, community organizations and families that call Ladysmith home. Located at 312 W. 9th Street, North, Cumberland Federal Bank is a full service bank providing commercial banking services and traditional banking products with friendly exceptional service. Cumberland Federal Bank is now open Ladysmith to serve you.








New Scam Alert

There is a new scam involving online banking transfers. Fraudsters transfer money between accounts, then call pretending they need a refund. They ask money to be wired out. Be diligent in checking all of your accounts and ask bank personnel any questions. Watch for red flags such as: asking you to lie to bank personnel, saying they will give you money for your trouble, the person had no reason to give you money. Educate yourself: click on Education Center and Money IQ for information regarding scams.