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.
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Certificate of Deposit (CD) Accounts
We understand the importance of secure and steady financial growth. Our Certificate of Deposit (CD) accounts offer a reliable way to grow your savings with returns. Whether you’re looking for a short-term investment or a longer-term option, our CDs provide a safe and predictable way to reach your financial goals.
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
A Certificate of Deposit is a time deposit account that allows you to earn interest over a fixed period. Simply choose a term that suits your needs, deposit your funds, and watch your savings grow. At the end of the term, you can withdraw your funds with earned interest or reinvest in a new CD to continue building your savings.
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!
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Featured Products & Offerings
Build for the Future with a Certificate of Deposit
A CNB Certificate of Deposit helps you stay on track with your financial goals. With competitive rates and flexible terms, it’s a secure way to plan ahead and make the most of your funds.
Learn More
Digital Banking
You can manage your financial activities wherever you are, 24 hours a day, from any device with an Internet connection. CNB's Digital Banking is an easy and secure method of accessing all of your banking information.
Learn More
Personal Banking Savings Services
What types of personal savings accounts does CNB Bank & Trust offer?
CNB Bank & Trust offers a variety of savings accounts to meet your financial goals. This includes traditional savings accounts, high-yield savings accounts, and certificates of deposit (CDs), among others. Each account type has unique features and benefits tailored to different saving needs. Information can be found on our website under Personal Savings or by contacting a Universal Banker at your local CNB Bank & Trust, N.A. branch.
What is the minimum deposit requirement to open a personal savings account?
The minimum deposit requirement varies depending on the type of savings account you choose. For specific minimums, please refer to the savings account options on our website or contact us directly for more information.
Are there any fees associated with personal savings accounts?
Some savings accounts may have associated fees, including monthly maintenance fees or fees for exceeding certain transaction limits. We strive to keep our fees transparent and minimal. Detailed fee information for each account can be found on our website under Personal Savings or by contacting a Universal Banker at your local CNB Bank & Trust, N.A. branch.
Can I access my personal savings account online?
Yes, all our savings accounts come with online and mobile banking access, allowing you to view balances, and depending on the type of savings account, make transactions securely from anywhere, at any time.
How many withdrawals can I make from my personal savings account each month?
Depending on the type of savings account involved, withdrawals and transfers are limited to four per month; if over four, an excess withdrawal fee applies. Please review your account’s terms and conditions for detailed information.
Can I set up direct deposits into my personal savings account?
Yes, you can easily set up direct deposits into your savings account. This is a convenient way to automatically save for the future. Our Universal Banker team can assist you with the setup process.