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CERTIFICATE OF DEPOSIT (CD) ACCOUNTS

Are You Ready To Earn More With Your Cash?

Watch Your Investment Grow

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.

Get Started Today

CD Interest Rates

Current Valid Rates: May 2025

MINIMUM
OPENING
BALANCE
RATE ANNUAL
PERCENTAGE
YIELD (APY)
91 DAY $500 .50% .50%
182 DAY $500 4.30% 4.35%
9 MONTH $500 4.28% 4.30%
12 MONTH $500 1.25% 1.25%
18 MONTH $500 3.96% 4.00%
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.

How a TBO Bank CD Works

Select the term length and deposit amount that works for you.

Watch your savings grow at a fixed rate over the term of your CD.

Enjoy guaranteed returns and peace of mind knowing your funds are secure.

Reasons to Choose a CD From TBO Bank

Competitive Rates:
Earn more on your savings with rates designed to help you reach your goals faster.

Flexible Terms:
Choose the term length that fits your needs—whether it’s a few months or several years.

Guaranteed Growth:
Lock in your rate and watch your money grow with no market fluctuations.

Peace of Mind:
Your investment is protected with FDIC insurance up to the maximum amount allowed by law.

 

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!

Start the Process