Certificate of Deposit (CD)

Maximize Your Savings

Certificates of deposit (CDs) are a low-risk, time deposit that delivers competitive interest with flexible terms. CDs are a popular option for balancing portfolio risk, yet they still allow your money to work for you. The security of a savings account, while earning a higher yield. Contact an Independent Bank relationship expert today to open or renew your CD today.


  • Guaranteed Returns
  • Competitive Fixed Rates
  • Range of Terms Available
  • Free eServices 
  • FDIC Insurance Protection Up to Applicable Limits

Account details include:

  • No Monthly Service
  • $1,000 Minimum Deposit. Terms and conditions may apply, including early withdrawal penalties. 

CDARS® - the Certificate of Deposit Account Registry Service®, is the easiest, most convenient way to access FDIC insurance beyond* $250,000 while earning competitive, CD-level interest.


  • Simplify Accounts with One Bank
  • One Interest Rate
  • One Statement
  • No Hidden Fees
  • A Wide Variety of Maturities
  • No Ongoing Collateralization**

CDARS is a registered service mark of Promontory Interfinancial Network, LLC.

*Limits apply. Funds may be submitted for placement only after a depositor enters into a CDARS Deposit Placement Agreement with us. The agreement contains important information and conditions regarding the placement of funds by us.

**If a depositor is subject to restrictions with respect to the placement of funds in depository institutions, it is the responsibility of the depositor to determine whether the placement of the depositor's funds through CDARS or a particular CDARS transaction satisfies those restrictions.