Certificates of Deposit
Choose from various Certificates of Deposit terms that offer a higher yield than other savings instruments, along with the safety and security of FDIC insurance.
Branch Locator View Rates
Certificate of Deposit (CD) Accounts
Maximize your business’s earning potential with a Certificate of Deposit that delivers higher yields than standard savings solutions. Enjoy the security and peace of mind of FDIC insurance. Select from a variety of term lengths designed to fit your business’s growth strategy.
Why Choose a CD?
Fixed Growth
Lock in a fixed interest rate for the entire term of your CD.
Flexible Terms
Choose from a variety of term lengths to fit your savings strategy.
Low Risk
Unlike market-based investments, CDs offer a stable and secure return.
FDIC Insured
Your investment is protected up to the maximum allowable limit.
How It Works
Certificates of Deposit are secure, time-bound investment accounts that offer predictable growth. Simply choose a term that fits your business’s needs, deposit your funds, and watch your savings grow. When your term ends, you can withdraw your funds with earned interest or reinvest to keep your momentum going.
CERTIFICATE OF DEPOSIT RATES
|
Term Length
|
Interest Rate
|
Annual Percentage Yield (APY)
|
Interest Compounded and Credited
|
Minimum Opening Deposit
|
|
7 - 31 Day
|
1.00%
|
1.00%
|
At Maturity
|
$2,500.00
|
|
3 Month
|
1.00%
|
1.00%
|
At Maturity
|
$1,000.00
|
|
6 Month
|
4.06%
|
4.10%
|
At Maturity
|
$1,000.00
|
|
9 Month
|
3.98%
|
4.00%
|
At Maturity
|
$1,000.00
|
|
12 Month
|
3.96%
|
4.00%
|
Semi-annually
|
$1,000.00
|
|
18 Month
|
2.50%
|
2.52%
|
Semi-annually
|
$1,000.00
|
|
24 Month
|
2.50%
|
2.52%
|
Quarterly
|
$1,000.00
|
|
30 Month
|
2.50%
|
2.52%
|
Semi-annually
|
$1,000.00
|
|
36 Month
|
2.73%
|
2.75%
|
Semi-annually
|
$1,000.00
|
|
48 Month
|
2.98%
|
3.00%
|
Semi-annually
|
$1,000.00
|
|
60 Month
|
3.22%
|
3.25%
|
Semi-annually
|
$1,000.00
|
A penalty may be imposed for early withdrawal. Fees could reduce the earnings on an account. Please refer to the Truth in Savings Disclosures for each account, which are available upon request, for additional account details. The interest rates and APYs are accurate as of October 9, 2024 for the Region 1 branches of CNB Bank & Trust, N.A. only. Region 1 includes: Carlinville, Hillsboro, Litchfield, Taylorville, and Virden. Member of the Federal Deposit Insurance Corporation and the Community.
CERTIFICATE OF DEPOSIT RATES
|
Term Length
|
Interest Rate
|
Annual Percentage Yield (APY)
|
Interest Compounded and Credited
|
Minimum Opening Deposit
|
|
7 - 31 Day
|
1.00%
|
1.00%
|
At Maturity
|
$2,500.00
|
|
3 Month
|
1.00%
|
1.00%
|
At Maturity
|
$1,000.00
|
|
6 Month
|
4.06%
|
4.10%
|
At Maturity
|
$1,000.00
|
|
9 Month
|
3.98%
|
4.00%
|
At Maturity
|
$1,000.00
|
|
12 Month
|
3.96%
|
4.00%
|
Semi-annually
|
$1,000.00
|
|
18 Month
|
2.50%
|
2.52%
|
Semi-annually
|
$1,000.00
|
|
24 Month
|
2.50%
|
2.52%
|
Quarterly
|
$1,000.00
|
|
30 Month
|
2.50%
|
2.52%
|
Semi-annually
|
$1,000.00
|
|
36 Month
|
2.73%
|
2.75%
|
Semi-annually
|
$1,000.00
|
|
48 Month
|
2.98%
|
3.00%
|
Semi-annually
|
$1,000.00
|
|
60 Month
|
3.22%
|
3.25%
|
Semi-annually
|
$1,000.00
|
A penalty may be imposed for early withdrawal. Fees could reduce the earnings on an account. Please refer to the Truth in Savings Disclosures for each account, which are available upon request, for additional account details. The interest rates and APYs are accurate as of October 9, 2024 for the Region 2 branches of CNB Bank & Trust, N.A. only. Region 2 includes: Brighton, Carrollton, Chapin, Jacksonville, Jerseyville, and Pittsfield. Member of the Federal Deposit Insurance Corporation and the Community.
CERTIFICATE OF DEPOSIT RATES
| Term Length |
Interest Rate |
Annual Percentage Yield (APY) |
Interest Compounded and Credited |
Minimum Opening Deposit |
| 7 - 31 Day |
1.00% |
1.00% |
At Maturity |
$2,500.00 |
| 3 Month |
1.00% |
1.00% |
At Maturity |
$1,000.00 |
| 6 Month |
3.81% |
3.85% |
At Maturity |
$1,000.00 |
| 9 Month |
3.85% |
3.87% |
At Maturity |
$1,000.00 |
| 12 Month |
3.98% |
4.02% |
Semi-annually |
$1,000.00 |
| 18 Month |
3.72% |
3.75% |
Semi-annually |
$1,000.00 |
| 24 Month |
2.97% |
3.00% |
Quarterly |
$1,000.00 |
| 30 Month |
2.73% |
2.75% |
Semi-annually |
$1,000.00 |
| 36 Month |
2.48% |
2.50% |
Semi-annually |
$1,000.00 |
| 48 Month |
1.74% |
1.75% |
Semi-annually |
$1,000.00 |
| 60 Month |
1.69% |
1.70% |
Semi-annually |
$1,000.00 |
A penalty may be imposed for early withdrawal. Fees could reduce the earnings on an account. Please refer to the Truth in Savings Disclosures for each account, which are available upon request, for additional account details. The interest rates and APYs are accurate as of April 1, 2025 for the Region 3 branches of CNB Bank & Trust, N.A. only. Region 3 includes: Oak Forest, Palos Heights, and Tinley Park. Member of the Federal Deposit Insurance Corporation and the Community.
CERTIFICATE OF DEPOSIT RATES
|
Term Length
|
Interest Rate
|
Annual Percentage Yield (APY)
|
Interest Compounded and Credited
|
Minimum Opening Deposit
|
|
7 - 31 Day
|
1.00%
|
1.00%
|
At Maturity
|
$2,500.00
|
|
3 Month
|
1.00%
|
1.00%
|
At Maturity
|
$1,000.00
|
|
6 Month
|
4.06%
|
4.10%
|
At Maturity
|
$1,000.00
|
|
9 Month
|
3.98%
|
4.00%
|
At Maturity
|
$1,000.00
|
|
12 Month
|
3.96%
|
4.00%
|
Semi-annually
|
$1,000.00
|
|
18 Month
|
2.50%
|
2.52%
|
Semi-annually
|
$1,000.00
|
|
24 Month
|
2.50%
|
2.52%
|
Quarterly
|
$1,000.00
|
|
30 Month
|
2.50%
|
2.52%
|
Semi-annually
|
$1,000.00
|
|
36 Month
|
2.73%
|
2.75%
|
Semi-annually
|
$1,000.00
|
|
48 Month
|
2.98%
|
3.00%
|
Semi-annually
|
$1,000.00
|
|
60 Month
|
3.22%
|
3.25%
|
Semi-annually
|
$1,000.00
|
A penalty may be imposed for early withdrawal. Fees could reduce the earnings on an account. Please refer to the Truth in Savings Disclosures for each account, which are available upon request, for additional account details. The interest rates and APYs are accurate as of October 9, 2024 for the Region 4 branches of CNB Bank & Trust, N.A. only. Region 4 includes: Alton, Clayton, and Edwardsville/Glen Carbon. Member of the Federal Deposit Insurance Corporation and the Community.
CD Calculator
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings.
Ready to open an account?
Contact your local branch today to get started!
Branch Locator
Business Banking Services & Additional Products
Treasury Management
CNB Bank & Trust, N.A. understands the complexities of managing finances for businesses. Our knowledgeable team works closely with businesses to understand their unique needs, provide customized solutions to help them reach their financial goals, and effectively manage their cash flow, liquidity, and risk.
Read more
Beneficial Ownership Filing
CNB Bank & Trust, N.A. and Wolters Kluwer are partnering to help small businesses file Beneficial Ownership Information Reports.
Read more