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Commonwealth Bank and Trust Company

CDs/IRAs

Earn more with your money when you open a Commonwealth Certificate of Deposit – for as little as $500. We offer a variety of term lengths to help you meet your savings goal.

For information on FDIC rules and limits, and to determine insurance coverage, visit the FDIC’s Electronic Deposit Insurance Estimator (EDIE) at www.fdic.gov/edie/index.html.

Term** Interest Rate^ Annual Percentage Yield^^
1 Month (CD only)  0.15%  0.15% 
3 Month  0.10%  0.10% 
6 Month  0.30%  0.30% 
1 Year  0.40%  0.40% 
18 Month (CD only)  0.65%  0.65% 
2 Year  0.50%  0.50% 
3 Year  1.29%  1.30% 
4 Year  1.00%  1.00% 
5 Year  1.00%  1.00% 
IRA Savings  0.03%  0.03% 
$500 minimum to open. To receive a monthly interest check, the Certificate of Deposit must have a minimum balance of $25,000; to receive a quarterly interest check, the Certificate of Deposit must have a minimum balance of $10,000.
**A penalty may be imposed if there is an early withdrawal from the account. +Checking account required to earn promotional rate.
^Rate subject to change.
^^Assumes that interest will remain on deposit until maturity.