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Certificates of Deposit

If you want to be at the low end of the risk/reward spectrum...

a Certificate of Deposit (CD) from Citizens Bank & Trust Company might be the right choice for you.

Lock-in your terms today and bank on guaranteed funds to accomplish short-term or long-term financial goals.

  • Risk-free investment with guaranteed returns
  • Standard CDs offer fixed rates throughout the length of your term
  • Choose from a variety of flexible terms ranging from 3 months to 5 years
  • Interest may be added back to the certificate or deposited automatically to another CB&T account*

*Account will automatically renew and you will have 10 calendar days after the maturity date to withdraw funds without a penalty. Interest begins to accrue on the business day of your deposit. Interest will be credited at maturity or quarterly depending on the term. The Annual Percentage Yield assumes interest will remain on deposit until maturity. Withdrawals will reduce earnings.

All Citizens Bank & Trust Company CDs are FDIC insured for your peace of mind.

Contact your local branch for current rates.

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Whether you are looking to finance your first home, income property, or make some renovations we can help!
  • Home Equity Lines of Credit
  • Fixed Rate Mortgages
  • Adjustable Rate Mortgages
  • And more...