Introducing
a better way
to save.

Business 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. Minimum balance required to open a CD is $500.00. Special promotions may require a larger opening deposit. Deposits of $10,000.00 or more to open automatically earn higher interest rates, excluding specials. Early withdrawal may reduce earnings.

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.

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.