If you’ve been with us a while, and opened your accounts prior to January 2026, go to access.thriventbank.com to login.

Otherwise, click the Log In button to continue to your Thrivent Bank account.
FDIC-Insured FDIC-Insured - Backed by the full faith and credit of the U.S. Government.

Certificates of Deposit (CDs) Turn your savings into something more

For a limited time, we’re offering 4.25% APY on our 7-month Thrivent Bank CD. That means you can grow your savings guaranteed with a highly competitive rate and no minimum deposit. Turn smart savings this winter into a dream vacation next spring.

Open Thrivent Bank CD

Must have a Thrivent Bank deposit account to open; see terms below.

The scoop on CDs

A Thrivent Bank Certificate of Deposit (CD) is a low-risk savings account that pays a set interest rate over a set amount of time. When the term’s up, you can auto-renew to keep saving or close the CD to withdraw your initial deposit plus the interest you’ve earned.
  • Earn 4.25% APY for 7 months
 
    Don’t miss this offer – no minimum or maximum deposit. Plus, you can open unlimited CDs
  • Get guaranteed returns
 
    Unlike a high-yield savings account (HYSA), your CD rate is locked in
  • Plan for the future 
    Save for your goals, from down payments to retirement
  • Save with confidence
 
    Your Thrivent Bank CD is FDIC insured
Get started

How to open a Thrivent Bank CD

Just follow these simple steps.
  • Open and fund a Thrivent Bank account
    Get started with a Thrivent Money™, Thrivent Checking or Thrivent Savings account, and add money.
  • Open your CD
    Once your funds are available, open a CD. You won’t start earning interest until you fund your account.
  • Transfer money to your CD
    Add money to your CD with an internal transfer — you can add money to your CD only once.
  • Watch your savings grow
    Add money to your CD right away so you don’t miss out on interest. Your term starts when your CD is opened, not funded.
Get started

See our Rates page for all available CD Terms and Rates.

See rates

Frequently Asked Questions

Sign into the Thrivent Bank mobile app, select More -> Products. Then choose to open Savings or CD.
The first step is to open a Thrivent Bank account and add money. Then, you can open a Thrivent Bank CD and fund it through an internal transfer. Don’t forget – you can only add money to your CD once.
When you open a CD, you agree to a set term. If you need to withdraw your money before that term is over, you’ll have to pay an early withdrawal penalty.
Once your 7-month term has ended, you can withdraw your initial deposit along with the interest you’ve earned. If you don’t make a withdrawal, your CD will automatically renew into a 6-month term at the current offered rate.
Once your 7-month term has ended, you can withdraw your initial deposit along with the interest you’ve earned. If you don’t make a withdrawal, your CD will automatically renew into a 6-month term at the current offered rate.
Right now, Thrivent Bank is offering a special 7-month CD. Learn about other Thrivent Bank CD options here.
There are several different ways you can add money to your account. The fastest option is using your debit card to transfer funds when you open your account. You can also add funds from another bank account via wire transfer, external transfer or ACH transfer.
Yes. Thrivent Bank is a Utah-chartered industrial bank, Member FDIC. Your deposits with us are automatically insured, up to $250,000 per depositor, per ownership category, by the FDIC.

Have a question that’s not answered here? We’re here to help.

Get in touch

Disclosure

Leaving Thrivent Bank

You are now leaving the website of Thrivent Bank. Any data or personal information collected by websites other than Thrivent Bank is not covered by Thrivent Bank's privacy policy. We recommend you read the privacy policies of those sites as they may be different from Thrivent Bank's policy.

Continue

Leaving Thrivent Bank

You are now leaving the website of Thrivent Bank. Insurance, securities, investment advisory and trust and investment management accounts and services offered by Thrivent, the marketing name for Thrivent Financial for Lutherans, or its affiliates are not deposits or obligations of Thrivent Bank, are not guaranteed by Thrivent Bank, are not insured by the FDIC, and involve investment risk, including possible loss of the principal amount invested.

Any data or personal information collected by websites other than Thrivent Bank is not covered by Thrivent Bank’s privacy policy. We recommend you read the privacy policies of those sites as they may be different from Thrivent Bank’s policy.

Continue

Online banking website and mobile apps are currently unavailable

We are currently experiencing an outage affecting online banking and mobile app. Our team is working to resolve the issue as quickly as possible. We apologize for the inconvenience and appreciate your patience.