Certificates of Deposit (CD)
Want a safe place where your money does more than nap? A Certificate of Deposit with TBO Bank gives you guaranteed growth, flexible terms, and the kind of steady returns that make your savings feel like a sure win.
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.
CD Interest Rates
A certificate of deposit is a timed savings product that offers a fixed interest rate in exchange for keeping money in the account for a set period. Unlike checking or savings accounts, CDs usually cannot be accessed until they mature.
Time
Minimum Opening Balance
Rate
Annual Percentage Yield (Apy)
91 Day
$500
0.5%
0.5%
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%
Highlighted Rates
TBO Bank has very competitive rates for the 9 Month and 18 Month CD, outperforming the national average.
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 Our CD Works
Open your new account in just a few minutes* by completing a simple, secure online application.
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.*
*Subject to approval. Guaranteed returns when funds remain on deposit for the full term.
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.