Certificates of Deposits, or CDs, are great ways to plan for the future but earn a higher rate of return than a typical savings account. CDs have a fixed rate of return and are insured by the FDIC, making them virtually risk-free investments. Woodsfield Savings offers a variety of CDs with varying terms, rates, and minimum required deposits. Check out the table below as we are sure to have a CD to fit your needs. A penalty may or will be imposed for early withdrawal.