What are the current interest rates at Salem Five Direct?

Current rates for Salem Five Direct include: 12-Month CD: 2.76%, 18-Month CD: 2.25%, 24-Month CD: 2.25%, 36-Month CD: 0.35%, 48-Month CD: 2.25%, 60-Month CD: 0.50%, Savings: 3.51%

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Salem Five Direct Rates & Review March 2026

Q: How many branches does Salem Five Direct operate?

Salem Five Direct currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Salem Five Direct does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Salem Five Direct provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 28, 2026

Salem Five Direct's 12-Month Special CD rates are at 3.50%, 12-month CD rates are at 3.50%, 15-Month Special CD rates are at 3.50%, 15-month CD rates are at 3.50%, 18-Month Special CD rates are at 3.50%. Salem Five Direct's savings rates are at 3.51%. MonitorBankRates evaluates the financial stability of Salem Five Direct with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 03/28/2026.

Salem Five Direct money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Salem Five Direct? Share your experience about Salem Five Direct by leaving a review below, or read customer reviews before you decide to use Salem Five Direct.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

No Data No data

Salem Five Direct CD Rates

Product	Rate	APY	Term
12 Month Special CD	3.45%	3.50%	12
Min Balance $10,000 Last Updated 03/28/2026
12-month CD	-	3.50%	12
Details Maximum deposit amount is $500,000 for Special CDs. Last Updated 03/28/2026
15 Month Special CD	3.45%	3.50%	15
Min Balance $10,000 Last Updated 03/28/2026
15-month CD	-	3.50%	15
Details Maximum deposit amount is $500,000 for Special CDs. Last Updated 03/28/2026
18 Month Special CD	3.45%	3.50%	18
Min Balance $10,000 Last Updated 03/28/2026
24 Month Special CD	3.45%	3.50%	24
Min Balance $10,000 Last Updated 03/28/2026
12 Month CD	2.73%	2.76%	12
Min Balance $500 Last Updated 03/28/2026
6 Month CD	2.76%	2.76%	6
Min Balance $2,500 Last Updated 03/28/2026
18 Month CD	2.23%	2.25%	18
Min Balance $500 Last Updated 03/28/2026
24 Month CD	2.23%	2.25%	24
Min Balance $500 Last Updated 03/28/2026
48 Month Special CD	2.23%	2.25%	48
Min Balance $10,000 Last Updated 03/28/2026
60 Month Special CD	2.23%	2.25%	60
Min Balance $10,000 Last Updated 03/28/2026
30 Month Special CD	1.98%	2.00%	30
Min Balance $10,000 Last Updated 03/28/2026
36 Month Special CD	1.98%	2.00%	36
Min Balance $10,000 Last Updated 03/28/2026
42 Month CD	0.50%	0.50%	42
Min Balance $500 Last Updated 03/28/2026
60 Month CD	0.50%	0.50%	60
Min Balance $500 Last Updated 03/28/2026
30 Month CD	0.35%	0.35%	30
Min Balance $500 Last Updated 03/28/2026
36 Month CD	0.35%	0.35%	36
Min Balance $500 Last Updated 03/28/2026
3 Month CD	0.05%	0.05%	3
Min Balance $2,500 Last Updated 03/28/2026
9 Month No Penalty CD	0.05%	0.05%	9
Min Balance $10,000 Last Updated 03/28/2026

Salem Five Direct Savings Rates

Product	Rate	APY	View More
eOne Savings	-	3.51%
Min Deposit $10 Details eligibility is limited to consumers who apply online and who do not have an existing checking or savings account with Salem Five Bank at the time of the application. Consumers with an existing Salem Five Direct eOne Checking Account are eligible for the eOne Savings Account.; Qualifying balance up to $1,000,000 Last Updated 03/28/2026

Salem Five Direct Checking Rates

Product	Rate	APY	View More
eOne Checking	0.01%	0.01%
Min Deposit $10 Details This offer is not available at Salem Five branch locations. Consumer accounts only. Last Updated 03/28/2026

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Salem Five Direct is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Salem Five Direct rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Salem Five Direct's official website for the most current offers and terms.

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Frequently Asked Questions About Salem Five Direct

Is Salem Five Direct a safe place to deposit money?

Yes, Salem Five Direct is considered a safe financial institution. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Salem Five Direct operate?

Salem Five Direct currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Salem Five Direct does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Salem Five Direct provides members with tools to manage their accounts and build a solid financial history.

Does Salem Five Direct offer online and mobile banking?

Most modern institutions like Salem Five Direct provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.salemfivedirect.com.