savings & cd accounts

Savings and CD Accounts that work as hard as you.

There’s more than one way to save for the future. Dime offers competitive rates on Personal Savings and Certificates of Deposit accounts, so you can find the plan that works best for you. All our Savings and CD accounts are FDIC-insured, so you never have to worry about the safety of your investment.

7-Month Promotional Certificate of Deposit¹
  • 4.20% APY⁴.
  • Minimum $25,000 deposit.
  • Penalties may be imposed for early withdrawal.
  • CD will automatically renew at maturity into a 6-Month non-promotional CD at the interest rate in effect at the time.
  • Available to new money only.
Choice Personal Savings Account²
  • Up to 4.15% APY⁴.
  • Minimum $25,000 deposit.
  • Account balances below $25,000 the APY is 0.01%
  • Account balances from $25,000 – $74,999 the APY is 4.05%
  • Account balances of $75,000 and over the APY is 4.15%
  • Available to new customers only.
13-Month Promotional Certificate of Deposit³
  • 4.50% APY⁴.
  • Minimum $25,000 deposit.
  • Penalties may be imposed for early withdrawal.
  • CD will automatically renew at maturity into an 18-Month non-promotional CD at the interest rate in effect at the time.
  • Available to new money only.

Read Disclosures

Dime CD & Savings Account Benefits

  • Guaranteed return on investment CDs
    Your investment will continue growing over the term of your account at a fixed rate.
  • FDIC insured
    Regardless of the account you choose, your investment will be FDIC insured.
  • Expert banking advice
    No matter what your goals are, our banking experts are here to assist you.

Find a Dime Community Bank Branch Near You

Open a Dime Savings or CD account by visiting one of our visiting one of our 59 locations from Manhattan to Montauk,
or call 1-800-321-DIME(3463) for additional information.

¹ 7-Month Promotional CD: 4.20% APY. New Money Only. Personal Accounts Only. Penalties may be imposed for early withdrawal. CD will automatically renew at maturity into a 6-Month non-promotional CD at the interest rate in effect at the time. “New Money” is defined as money that is not currently on deposit at Dime. 

² Choice Personal Savings. New Customers Only. Personal Accounts Only. This is a tiered rate product.  For account balances of $75,000 and over the APY is 4.15%. For Account balances from $25,000 – $74,999 the APY is 4.05%.  For balances below $25,000 the APY is 0.01%. A minimum balance service charge of $5.00 will be imposed every month if the average available balance in the account falls below $25,000. We may limit the amount you deposit in one or more Choice Personal Savings Accounts to a total of $500,000. A “New Customer” is defined as an individual who has not had money on deposit at Dime for at least 180 days.

³ 13-Month Promotional CD: 4.50% APY. New Money Only. Personal Accounts Only. Penalties may be imposed for early withdrawal. CD will automatically renew at maturity into an 18-Month non-promotional CD at the interest rate in effect at the time. “New Money” is defined as money that is not currently on deposit at Dime. 

Annual Percentage Yield (APY) is offered as of 1/7/2023. Rates are subject to change without notice. Refer to account disclosures for current rate. The minimum deposit required to open a Choice Personal Savings or Promotional CD is $25,000. Fees may reduce earnings. Deposits are insured to the maximum amount allowed by law. Dime Community Bank reserves the right to cancel or modify this offer at any time.