Certificates of Deposit (CD)
Invest in your future with short- and long-term certificates of deposits (CD). As rates continue to rise, now is a great time to start accruing more interest in a time deposit account. Requiring just a $1,000 deposit and with terms ranging from 3 to 36 months, our accounts are both low-entry and flexible. Know your funds are secured and FDIC-insured in a CD account that’s right for your timeline.
What is APY?
Annual Percentage Yield (APY) is a percentage rate reflecting the total amount of interest paid on an account, based on the interest rate and the frequency of compounding during a 365-day period.
What do I need to know about CD accounts?
The annual percentage yield (APY) assumes that interest remains on deposit until maturity. A withdrawal of interest will reduce earnings. An early withdrawal penalty will be imposed for withdrawals before maturity. Rates current as of October 28, 2019. Rates may change after opening.
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20-MONTH VARIABLE CERTIFICATE OF DEPOSIT
Looking to maximize interest with a CD but waiting to see if interest rises?
A variable rate CD allows you to start growing your money today without locking you into a set APY.
Minimum Opening Deposit: $1,000
Minimum Balance: $1,000Term
- 20 months
This CD adjusts to the effective federal funds rate as published by the Federal Reserve Bank of New York on the last day of Monday of January, April, July October plus 0.15%. We may change the interest rate on your account each quarter from the original issue date.
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REWARD CERTIFICATE OF DEPOSIT
Qualify for attractive interest rates on flexible terms through our Rewards account program.
Exclusively offered to those who maintain a direct deposit to a Texas Citizens Bank Personal Reward Account. New, higher interest rates now available!
Minimum Opening Deposit: $1,000
Minimum Balance: $1,000Terms
- 3 months
- 6 months
- 9 months
- 12 months
- 18 months
- 24 months
- 36 months
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CERTIFICATE OF DEPOSIT
Great for six-digit deposits or simply setting aside extra money.
This flexible, short- and long-term CD is a good option for anyone looking for a smart and safe savings option. New, higher interest rates now available!
Minimum Opening Deposit: $1,000
Minimum Balance: $1,000Terms
- 3 months
- 6 months
- 9 months
- 12 months
- 18 months
- 24 months
- 36 months