using phone

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.

using computer


Enroll today to access account statements anytime, anywhere with internet access. They are fast, simple, and environmentally conscious.
  • Convenient: Securely access your account statements on the go.
  • Green: You are extending the life of our natural resources.
  • Fast: You may access statements several days sooner than receiving a mailed statement.