Certificates of Deposit (CD)
Looking for a safe, steady way to grow your savings? A Certificate of Deposit (CD) with TBO Bank could be the perfect fit, offering guaranteed returns and flexible terms backed by a bank you can trust.
6 MONTH
Minimum Opening Balance
$500
Rate:
4.11%
Annual Percentage Yield:
4.15%
9 MONTH
Minimum Opening Balance
$500
Rate:
4.08%
Annual Percentage Yield:
4.10%
18 MONTH
Minimum Opening Balance
$500
Rate:
3.76%
Annual Percentage Yield:
3.80%
APY is accurate as of November 2025 and fixed once opened. Rates may change before account opening. Early termination requirements and additional terms apply*—see account agreement for full details.
We’re here to help you make the most of your money!
Are You Ready To Earn More With Your Cash?
Looking for a secure way to grow your savings? Our Certificate of Deposit (CD) accounts are designed to help you maximize your financial potential with competitive rates and flexible terms.
Whether you’re planning for the future or simply want to make your money work harder, we’ve got you covered.
How our CD Works
Step One
Open your new account in just a few minutes** by completing a simple, secure online application.
Step Two
Select the term length and deposit amount that works for you.
Step 3
Watch your savings grow at a fixed rate over the term of your CD.
Step 4
Enjoy your guaranteed returns* and peace of mind knowing that your funds are secure.
**Subject to approval
TBO Bank’s CD Interest Rates
Time
Minimum Opening Balance
Rate
Annual Percentage Yield (APY)
91 Day
$500
0.5%
0.5%
182 Day
$500
4.11%
4.15%
9 Month
$500
4.08%
4.10%
12 Month
$500
1.25%
1.25%
18 Month
$500
3.76%
3.80%
24 Month
$500
1.69%
1.70%
30 Month
$500
1.79%
1.80%
36 Month
$500
1.89%
1.90%
48 Month
$500
1.99%
2.00%
60 Month
$500
2.24%
2.25%
* Certificate of Deposit (CD) Disclosure:
Rates are subject to change at any time and are only guaranteed once the CD is opened. Early withdrawals are not allowed within the first 90 days of account opening. After 90 days, early withdrawals may be permitted with bank approval, will incur a penalty, and may reduce earnings. The stated return is guaranteed only if funds remain on deposit for the full CD term.
A balance of $500 is required to obtain the disclosed annual percentage yield.
At this time, funding is available exclusively via ACH transfer.
For full terms and conditions, please refer to our account agreement or speak with a representative.
Ready to Get Started?
Open your TBO Bank CD today and take the next step toward achieving your financial goals. Visit us in-branch, call our team, or start the process online. We’re here to help you make the most of your money!
