Build a Solid Future for Tomorrow, Today
When you want your savings to grow steadily and predictably, a certificate of deposit is one of the smartest tools available. At Community National Bank & Trust, we offer CDs with competitive fixed rates, flexible terms, and no setup or maintenance fees, allowing you to effortlessly put your money to work with confidence.
Benefits You’ll Love
- Get guaranteed yields
- Earn high interest to maximize savings potential
- Enjoy fixed rates and eliminate the guesswork
- Explore a variety of terms to meet your needs
A CD from CNB&T is a smart fit whether you're working toward a specific savings goal or simply looking for a reliable, low-risk way to grow what you have. We’re a local bank that understands the goals of our community, providing the stability and return you can depend on.
How a CD Works
A certificate of deposit allows you to lock in a guaranteed interest rate for a fixed term of your choosing. In exchange for keeping your funds on deposit for the duration of that term, you earn a higher rate than a standard savings account, all with no risk or surprises. At the end of your term, you can withdraw your funds or roll them into a new CD.
Personal Certificates of Deposit
CNB&T’s personal CDs are available in a range of terms to match your savings timeline. Whether you're saving for something a year from now or planning further into the future, we'll help you select the term and deposit amount that makes the most of your money. There are no setup or maintenance fees, and your deposit is FDIC insured for added peace of mind.
Business Certificates of Deposit
For businesses with capital that doesn't need to move right away, a business CD is a smart way to put idle funds to work. You can lock in a competitive rate for a set term, earn more than a standard business savings account, and build a stronger financial cushion for your company's future. It's a straightforward, low-risk strategy that keeps your money growing while your focus stays on running your business.
CDs as Part of Your Broader Financial Strategy
A CD works particularly well as part of a diversified savings approach. Paired with a regular savings account or money market account, a CD allows you to keep accessible funds available while putting longer-term reserves to work at a higher rate. CNB&T’s team can help you find the right balance for your goals.
Open a CD With Community National Bank & Trust
Growing your savings doesn't have to be complicated, and a CD from Community National Bank & Trust makes it simple. With competitive fixed rates, flexible terms, and no setup or maintenance fees to worry about, it's one of the most straightforward financial decisions you can make.
Don’t wait to get started! Contact our team to speak with one of our local experts or find your nearest CNB&T branch and come see us in-person! You can also explore our FAQ page for more helpful information on our local banking services.
* $1,000 minimum deposit to open, and early withdrawals are subject to a penalty.
Additional details:
- Competitive, fixed rates that are higher than standard savings
- The longer your term, the higher your rate
- Provides more guarantee than other, more risky investments
- Set aside for future savings goals
- A wide range of terms available (from 90 days to 5 years)
- No setup or maintenance fees
- Early withdrawals subject to penalty
- $1,000 minimum deposit to open
{{ cd-calc }}
Thank you for considering Community National Bank & Trust for your new account
At this time we are currently not accepting applications for your area.
We apologize for any inconvenience.
FAQs
{beginAccordion}
Q1. How do CDs work and are they worth it?
A. A Certificate of Deposit (CD) is a savings product that locks in a fixed interest rate for a set term, typically anywhere from a few months to several years. You agree not to touch the money for that term, and in exchange you earn a higher rate than a regular savings account. For money you don’t need to touch in the short term, CDs can be very worthwhile: your rate is guaranteed even if rates drop, and your principal is FDIC-insured up to applicable limits.
Q2. What CD terms does Community National Bank & Trust offer?
A. We offer CDs with a range of terms to fit different timelines, from short-term options for goals less than a year out to longer terms for multi-year savings plans. Current available terms and rates are posted on this page and on our Product Rates page.
Q3. What’s the minimum to open a CD?
A. CDs have a higher opening deposit than a basic savings account because the rate is locked in. Current minimum opening deposits are listed alongside the rate for each available term. Talk to a banker at any of our banking centers if you want to discuss the right CD for your goal.
Q4. What happens if I need my money before the CD matures?
A. You can withdraw early, but an early withdrawal penalty will reduce your interest earnings. The size of the penalty depends on the term of the CD. Because of this, CDs work best for money you have a clear timeline for, like a down payment in 2 years or a planned purchase in 5.
Q5. What happens when my CD matures?
A. When your CD reaches the end of its term, you typically have a short grace period to decide what to do. You may withdraw the funds, move them to a different account, or roll them into a new CD at the current rate. We’ll send you a notice before maturity so you don’t miss the window.
{endAccordion}
Use this calculator to determine your projected earnings from our Reward Checking account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificates of Deposit
| Certificate Term | Interest Rate | **APY |
|---|---|---|
| 9 Month CD Special | 3.46% | 3.51% |
| 13 Month CD Special | 3.05% | 3.09% |
| 24 Month Bump Special | 2.99% | 3.02% |
| 27 Month CD Special | 2.89% | 2.92% |
$1000.00 minimum deposit required. Substantial penalty may be charged for early withdrawal. Interest is compounded quarterly.
**Annual Percentage Yield. Fees imposed could reduce earnings.
ePower Checking
| **** Balance | ***Interest Rate | Depending on the balance in your account the Annual Percentage Yield (APY**) will: |
|---|---|---|
| Up to $25,000.00 | 1.400% | equal 1.41% |
| $25,000.00 - $1,000,000 | 0.150% | range from 1.51% to 0.18% |
| If ePower account requirements are not met | 0.100% | equal 0.10% |
****To earn the power rate, perform the following each cycle: 1. Have 12 Debit Card Transactions post and clear the account. 2. Have at least One Direct Deposit or ACH auto debit post and clear the account. 3. Enroll and receive electronic statements. We may change the interest rate and APY at any time after the account is opened. No Minimum Balance Required. However you must deposit a minimum of $100 to open this account. Available to Personal Accounts only. No monthly service charge. **ATM refunds up to $25 per cycle if requirements are met. † Other fees may apply.
**Annual Percentage Yield. Fees imposed could reduce earnings.
*** Variable Rate Accounts: Rate may change after account is opened.
PLEASE CONTACT OUR ACCOUNT REPRESENTATIVE AS OTHER TERMS AND CONDITIONS MAY APPLY
Guardian Secure Checking
| Balance | ***Interest Rate | Depending on the balance in your account the Annual Percentage Yield (APY**) will: |
|---|---|---|
| Up to $25,000.00 | 1.400% | equal 1.41% |
| Over $25,000.00 | 0.150% | range from 1.51% to 0.18% |
**Annual Percentage Yield. Fees imposed could reduce earnings.
*** Variable Rate Accounts: Rate may change after account is opened.
$100 minimum deposit to open
$4.95 Monthly Service charge
PLEASE CONTACT OUR ACCOUNT REPRESENTATIVE AS OTHER TERMS AND CONDITIONS MAY APPLY
Platinum Savings Account
| Balance | ***Interest Rate | ** APY |
|---|---|---|
| Below $5,000 | 0.150% | 0.15% |
| $5,000.00 to $24,999.99 | 1.900% | 1.91% |
| $25,000 to $49,999.99 | 1.900% | 1.91% |
| $50,000 to $99,999.99 | 1.900% | 1.91% |
| Balance over $99,999.00 | 1.900% | 1.91% |
Minimum Deposit $5,000
**Annual Percentage Yield. Fees imposed could reduce earnings.
*** Variable Rate Accounts: Rate may change after account is opened.
PLEASE CONTACT OUR ACCOUNT REPRESENTATIVE AS OTHER TERMS AND CONDITIONS MAY APPLY