Certificates Of Deposit

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 March 20, 2020. Rates may change after opening.

COMPARE RATES

  • 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: $1,000

    Term

    • 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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    COMPARE RATES

  • 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.

    Minimum Opening Deposit: $1,000
    Minimum Balance: $1,000

    Terms

    • 3 months
    • 6 months
    • 9 months
    • 12 months
    • 18 months
    • 24 months
    • 36 months

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    COMPARE RATES

  • 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.

    Minimum Opening Deposit: $1,000
    Minimum Balance: $1,000

    Terms

    • 3 months
    • 6 months
    • 9 months
    • 12 months
    • 18 months
    • 24 months
    • 36 months

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    COMPARE RATES

Mortgage Payment Calculator*

Balance time, interest, and monthly payments to see what financing works best for your goals. Web browser must support JavaScript. *This calculator tool is for estimating purposes only and may not calculate your exact payments.

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Loan Payment Calculator*

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Savings Estimator*

Enter how much you can afford to save monthly to see how much that investment could benefit you later. Web browser must support JavaScript. *This calculator tool is for estimating purposes only and may not calculate your exact payments.

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Debt Payoff Calculator*

Make goals to pay your debt off by a specific date. Use the calculator to plan out payments and set a timeline to become debt free. Web browser must support JavaScript. *This calculator tool is for estimating purposes only and may not calculate your exact payments.

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