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
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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 quarterly or at maturity

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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

See Today's Rates
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

See Today's Rates
FDIC insured
Yes
Yes
Yes