Personal Certificates of Deposits

Traditional Certificate of Deposit (CD)

Enjoy competitive rates with the added security of Federal Deposit Insurance coverage. Interest rates vary on our Certificates of Deposit depending on the term and amount of deposit. Terms range from 90 days to 5 years. The minimum balance required to open a CD is $250.00. Special promotions may require a larger opening deposit. Deposits of $10,000.00 or more to open automatically earn higher interest rates, excluding specials. Penalties for early withdrawals may reduce earnings. For rate information, please contact a Personal Banker at one of our 11 convenient Offices. FDIC insured.

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Rate Riser CD

Community Bank & Trust’s Rate Riser CD is back by popular demand. Enjoy the security of a 5 year term with a guaranteed rate increase each year. With the uncertain market right now, you will have peace of mind with this FDIC Insured product. The minimum balance to open this account is $10,000. This is a limited time offer. Call or visit any of our branches to open your CD today. Penalties for early withdrawals may reduce earnings. FDIC insured.

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12 Month Add-On Certificate of Deposit (CD)

Experience the benefits of a certificate of deposit and have the option to make deposits throughout the 12 month term with our Add-On CD. Deposits can be made in any amount, anytime during the term, except within one day prior to maturity and they will not extend the maturity date.
The minimum balance required to open this CD is $250. Penalties for early withdrawals may reduce earnings. FDIC insured.

For rate information, please contact a Personal Banker at one of our 11 convenient offices.

This account can also be set up with direct deposit to make it easy for you to save!

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CDARS^® - Certificate of Deposit Account Registry Service^®

Through a national network of FDIC-insured banks, you can receive up to $50 million in FDIC protection. Using CDARS, we place your deposits into smaller denomination CDs with other banks. You no longer need to deal with managing multiple bank relationships just to get the advantages of FDIC coverage. Learn more...

Benefits of CDARS^®

• Safety - Your money can receive up to $50 million in FDIC insurance coverage.
  
• Convenience - You work directly with us. You earn one interest rate and receive one regular statement. Individual investors receive one year-end tax form.
  
• Community Investment - The full value of your money can support lending opportunities in your local community.
  
• CD-Level Rates - Your money earns CD-level returns which may compare favorably with other investment alternatives, including treasuries, corporate sweep accounts, and money market funds.
  

CDARS^® can be a valuable cash management or longer-term investment tool for you or your business.

Funds may be submitted for placement only after a depositor enters into a CDARS^® Deposit Placement Agreement with Community Bank & Trust. The agreement contains important information and conditions regarding the placement of funds by us. Please read the agreement carefully before signing it. CDARS^® and the Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC.