Certificates of Deposit (CD)
Invest in your future with short- and long-term certificates of deposits (CD). As our 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, FDIC-insured, and increasing in a CD account that’s right for your timeline.
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.
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 August 3, 2018. Rates may change after opening.
-
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.
View rates. New, higher interest rates now available!
Minimum Opening Deposit: $1,000
Minimum Deposit: $1,000Terms
- 3 months
- 6 months
- 9 months
- 12 months
- 18 months
- 24 months
- 36 months
-
SPECIAL TERM CERTIFICATE OF DEPOSIT
Looking for a low-entry, high-yield Certificate of Deposit (CD) on convenient term lengths?
Our low-entry Special Term CD offers attractive rates and term lengths—all with added peace of mind through FDIC insurance.
View rates. New, higher interest rates now available!
Minimum Opening Deposit: $1,000
Minimum Deposit: $1,000Terms
- 7 months
- 13 months
-
SPECIAL 19-MONTH VARIABLE CERTIFICATE OF DEPOSIT
Looking to maximize interest with a CD but waiting to see if interest rises?
This CD adjusts to the effective federal funds rate as published by the Federal Reserve Bank of New York plus 0.15%. The resets are on the first Friday of Feb., May, Aug., and Nov. based on the rate published the previous Monday.
View rates. New, higher interest rates now available!
Minimum Opening Deposit: $1,000
Minimum Deposit: $1,000Terms
- 19 months
-
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.
View rates. New, lower rates released late 2017!
Minimum Opening Deposit: $1,000
Minimum Deposit: $1,000Terms
- 3 months
- 6 months
- 9 months
- 12 months
- 18 months
- 24 months
- 36 months