Deposit Rates

City Bank and Trust Co. offers competitive deposit rates on Checking, Savings, Certificates of Deposit and Individual Retirement Accounts.

Last Revised August 6, 2024

Certificates of Deposit**

Product	Minimum	Interest Rate	A.P.Y.*
3 Month	$500.00	0.25%	0.25%
5 Month Special	$5000.00	4.80%	4.89%
6 Month	$500.00	0.30%	0.30%
9 Month Special	$5000.00	4.14%	4.20%
12 Month	$500.00	0.55%	0.55%
12 Month	$25,000.00	0.70%	0.70%
13 Month Special	$10,000.00	4.65%	4.73%
15 Month	$500.00	1.84%	1.85%
15 Month	$50,000.00	2.82%	2.85%
18 Month	$500.00	0.75%	0.75%
24 Month	$500.00	0.80%	0.80%
24 Month	$25,000.00	0.85%	0.85%
30 Month	$500.00	0.90%	0.90%
36 Month	$500.00	0.90%	0.90%
36 Month	$25,000.00	0.95%	0.95%
48 Month	$500.00	0.95%	0.95%
48 Month	$25,000.00	1.00%	1.00%

Product	Minimum	Interest Rate	A.P.Y.*	Balance
Super Now Accounts	$25.00	0.10%	0.10%	$0 - 2,499.99
		0.15%	0.15%	$2,500.00 - 9,999.99
		0.20%	0.20%	$10,000.00 & Over
Money Market	$25.00	0.10%	0.10%	$0 - 9,999.99
		0.10%	0.10%	$10,000.00 - 24,999.99
		0.10%	0.10%	$25,000.00 - 49,999.99
		0.10%	0.10%	$50,000.00 - 99,999.99
		0.20%	0.20%	$100,000.00 & Over
Premier Money Market	$20,000.00	0.15%	0.15%	$0 - 19,999.99
		0.20%	0.20%	$20,000.00 - 99,999.99
		0.25%	0.25%	$100,000.00 & Over
Super Saver	$25.00	0.05%	0.05%	$0 - 2,499.99
		0.05%	0.05%	$2,500.00 - 9,999.99
		0.10%	0.10%	$10,000.00 & Over
IRA - Variable Rate	$100.00	0.60%	0.60%
IRA - Fixed Rate	$500.00	Current CD Rates and APY’s in Effect for Same Term

*APY is Annual Percentage Yield

** With Fixed-Rate term accounts, rates are guaranteed for length of term. A penalty will be imposed for early withdrawal.

***Rates may change after the account is opened. Fees may reduce earnings.

Contact one of our convenient locations to open your account today!