Certificates of Deposit (CDs)
Choose from a variety of terms and rates. Our CDs are tailored to meet your financial needs.
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| Short Term |
Long Term |
Jumbo |
|
|---|---|---|---|
| Apply | Find Nearest Branch | Find Nearest Branch |
Find Nearest Branch |
| Best if you need |
A low-risk investment with a fixed rate of return |
A low-risk investment with a fixed rate of return | A low-risk investment with a fixed rate of return |
| Minimum to open |
$1,000 |
$1,000 |
$100,000 |
| Earns interest |
Yes
|
Yes
|
Yes
|
| Monthly service charge | N/A |
N/A |
N/A |
|
TBTmyWay
(online banking)
|
No fee |
No fee | No fee |
| Additional benefits |
May be used as collateral for a loan |
May be used as collateral for a loan |
May be used as collateral for a loan |
| TBT VISA® checkcard | N/A |
N/A |
N/A |
| Transactions |
N/A |
N/A |
N/A |
| Interest penalties for early withdrawal |
CDs for one year or less carry a 30-day interest penalty, if drawn prior to maturity |
CDs over one year carry a 90-day interest penalty, if drawn prior to maturity |
CDs for one year or less carry a 30-day interest penalty, if drawn prior to maturity CDs over one year carry a 90-day interest penalty, if drawn prior to maturity |
| Available maturities |
30 days to one year
Auto renewable at maturity
|
Over one year to five years
Auto renewable at maturity
|
30 days to five years
Auto renewable at maturity
|
| Rate details* | Fixed Rate of Interest Interest may be credited to a checking/savings account at TB&T, paid directly to customer by check periodically (monthly, quarterly, semi-annually, annually or at maturity), or reinvested at maturity |
Fixed Rate of Interest Interest may be credited to a checking/savings account at TB&T, paid directly to customer by check periodically (monthly, quarterly, semi-annually, annually, or at maturity), or reinvested quarterly or at maturity |
Fixed Rate of Interest Interest may be credited to a checking/savings account at TB&T, paid directly to customer by check periodically (monthly, quarterly, semi-annually, annually, or at maturity), or reinvested quarterly or at maturity |
| FDIC insured |
Yes
|
Yes
|
Yes
|
*Contact your TBT branch for rate information.
