Personal Certificates of Deposits

Traditional Certificate of Deposit (CD)

Enjoy the best 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. The minimum balance required to open a CD is $250.00. 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 withdrawals may reduce earnings.

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Rate Riser CD

Community Bank & Trust’s Rate Riser CD is back by popular demand. Enjoy the security of a 5 year term with a guaranteed rate increase each year. With the uncertain market right now, you will have peace of mind of this FDIC Insured product. The minimum balance to open this account is $10,000. This is a limited time offer. Call or visit any of our branches to open your CD today.

12 Month Add-On Certificate of Deposit (CD)

Experience the benefits of a certificate of deposit and have the option to make deposits throughout the 12 month term with our Add-On CD. Deposits can be made in any amount, anytime during the term, except within one day prior to maturity and they will not extend the maturity date.
The minimum balance required to open this CD is $250. Early withdrawals may reduce earnings. Like other certificate of deposits, this account offers FDIC coverage.

This account can also be set up with direct deposit to make it easy for you to save!

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The Index Powered^® CD

The Index Powered^® CD combines the power of the market and the security of the bank. Unlike traditional certificates of deposit, which generally provide a fixed rate of return, the Index Powered^® CD is tied to the performance of the Standard & Poor's 500 Index (S&P 500^®), and therefore has the potential to far outperform traditional fixed income investments. However, like traditional certificates of deposit, your return of principal is guaranteed by the bank and protected by FDIC insurance up to $100,000.

The certificate has a 5 year term and is subject to penalty for early withdrawal. Minimum balance - $5,000.

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Standard & Poor's®" "S&P®" "S&P 500®" "Standard & Poor's 500" and "500" are trademarks of The McGraw-Hill Companies, Inc., and have been licensed for use by the Bank and Index Powered CD, Inc."

The Product is not sponsored, endorsed, sold or promoted by Standard & Poor's, a division of The McGraw-Hill Companies, Inc. ("S&P"). S&P makes no representation or warranty, express or implied, to the owners of the Product or any member of the public regarding the advisability of investing in securities generally or in the Product particularly or the ability of the S&P 500 Index to track general stock market performance.

"Index Powered®" is a registered trademark of Index Powered CD, Inc. Any unauthorized use of this name without the express written consent of Index Powered CD, Inc. (IPCD) is prohibited.

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.