CD
A Bankers Trust certificate of deposit (CD) can help you grow your savings and earn higher interest than a savings account.
CD Interest Rates
Personal Promotional CD Interest Rates
Effective Date: 12/20/2024
The interest rate and annual percentage yield (APY) are effective as of 12/20/2024, and may change without notice.
| Certificates of Deposit | Base Interest Rate | Base APY |
Bronze Tier APY |
Loyalty Program1 Silver Tier APY |
Loyalty Program1 Gold Tier APY |
Loyalty Program1 Platinum Tier APY |
| Bonus Interest Rate1 | N/A | N/A | 0.20% | 0.30% | 0.40% | 0.50% |
| 3 Month | 4.00% | 4.06% | 4.20% | 4.30% | 4.40% | 4.50% |
| 7 Month | 3.65% | 3.68% | 3.85% | 3.95% | 4.05% | 4.15% |
| 13 Month | 3.25% | 3.25% | 3.45% | 3.55% | 3.65% | 3.75% |
Personal CD Interest Rates2
Effective Date: 12/20/2024
The interest rate and annual percentage yield (APY) are effective as of 12/20/2024, and may change without notice.
| Certificates of Deposit | Base Interest Rate | Base APY |
Loyalty Program1 Bronze Tier APY |
Loyalty Program1 Silver Tier APY |
Loyalty Program1 Gold Tier APY |
Loyalty Program1 Platinum Tier APY |
| Bonus Interest Rate1 | N/A | N/A | 0.20% | 0.30% | 0.40% | 0.50% |
| 91 Days (91-181 Days)* | 1.10% | 1.10% | 1.30% | 1.40% | 1.50% | 1.60% |
| 182 Days (182-364 Days)* | 1.20% | 1.20% | 1.40% | 1.50% | 1.60% | 1.70% |
| 12 Months (12-23 Months) | 1.30% | 1.30% | 1.50% | 1.60% | 1.70% | 1.80% |
| 24 Months (24-35 Months) | 1.35% | 1.35% | 1.55% | 1.65% | 1.75% | 1.85% |
| 36 Months (36-47 Months) | 1.40% | 1.40% | 1.60% | 1.70% | 1.80% | 1.90% |
| 48 Months (48-59 Months) | 1.45% | 1.45% | 1.65% | 1.75% | 1.85% | 1.95% |
| 60 Months | 1.50% | 1.50% | 1.70% | 1.80% | 1.90% | 2.00% |
Ask a Relationship Banker about our Wellness Option!
Additional Information
For All Bankers Trust CDs
Minimum balance to obtain APY is $1,000.00. Minimum balance for minors to obtain APY is $500.00. Minimum balance for IRAs to obtain APY is $200.00. Minimum balance for Auto-Save IRAs to obtain APY is $50.00. Penalty for early withdrawal. Fees may reduce earnings. The interest rate and APY are effective as of December 20, 2024, and are subject to change without notice. Stated APY based on 12-month term. APY may vary if another term is selected. Available only for customers holding accounts for personal, family or household purposes. Interest rates will not automatically apply to Certificates of Deposit that are automatically renewing.
1 Loyalty Program Bonus Interest Rate Terms
Rate information: The interest rate on your account is the initial base interest rate stated on your CD Signature Card, plus a bonus interest rate, if applicable. Your interest rate, APY, and the applicable benefits tier may change while enrolled in the Loyalty Program.
Determination of rate: The interest rate on your account is based on the initial base interest rate, plus the bonus interest rate corresponding to the benefits tier which you qualify for during the evaluation period.
Frequency of rate changes: We may change the bonus interest rate on your account every time you qualify for a different benefits tier.
Limitations on rate changes: The interest rate will never drop below the initial base interest rate disclosed to you on your CD Signature Card for the agreed upon term of the CD. If you allow a matured CD to automatically renew, the base interest rate will change to the then-prevailing interest rate for the term.
Please see information about qualifying for the Loyalty Program.
2 CD Interest Rates
APYs stated are for the term in bold print. APY may vary for terms in parentheses. Please call 1-800-362-1688 to obtain APY for other terms.
3 Transaction Limitations
You can make additional deposits to the certificate during its term, but the total of the additional deposits cannot exceed the original deposit amount. For certificates that are automatically renewed upon your election, there is a grace period noted on the certificate during which additional deposits are permitted in any amount. The balance at the expiration of the grace period shall be the “renewal balance.” After the renewal period passes, additional deposits may be made, but only up to the renewal balance for the succeeding term. You cannot withdraw principal from the certificate without our consent except on or after maturity (as the same may be extended by virtue of a renewal).
