Certificates of Deposit (CD)
Looking for a safe, steady way to grow your savings? A Certificate of Deposit (CD) with TBO Bank could be the perfect fit, offering guaranteed returns and flexible terms backed by a bank you can trust.
6 MONTH
Minimum Opening Balance
$500
Rate:
4.30%
Annual Percentage Yield:
4.35%
9 MONTH
Minimum Opening Balance
$500
Rate:
4.28%
Annual Percentage Yield:
4.30%
18 MONTH
Minimum Opening Balance
$500
Rate:
3.96%
Annual Percentage Yield:
4.00%
We’re here to help you make the most of your money!
See How TBO Bank's CD Rates Stack Up
Minimum Deposit to Earn APY
$500.00
$1,000.00
$1,000.00
$1,000.00
3 Month APY
0.05%
3.75%
-
-
6 Month APY
4.35%
0.03%
2.01%
3.75%
9 Month APY
4.30%
0.03%
-
-
18 Month APY
4.00%
0.03%
2.02%
-
Early Withdrawl Penality
Yes
Yes
Yes
Yes
*Details and rates efficative as of 07/23/2025
Are You Ready To Earn More With Your Cash?
Looking for a secure way to grow your savings? Our Certificate of Deposit (CD) accounts are designed to help you maximize your financial potential with competitive rates and flexible terms.
Whether you’re planning for the future or simply want to make your money work harder, we’ve got you covered.
CD Interest Rates
A certificate of deposit is a timed savings product that offers a fixed interest rate in exchange for keeping money in the account for a set period. Unlike checking or savings accounts, CDs usually cannot be accessed until they mature.
Time
Minimum Opening Balance
Rate
Annual Percentage Yield (Apy)
91 Day
$500
0.5%
0.5%
182 Day
$500
4.30%
4.35%
9 Month
$500
4.28%
4.30%
12 Month
$500
1.25%
1.25%
18 Month
$500
3.96%
4.00%
24 Month
$500
1.69%
1.70%
30 Month
$500
1.79%
1.80%
36 Month
$500
1.89%
1.90%
48 Month
$500
1.99%
2.00%
60 Month
$500
2.24%
2.25%
Highlighted Rates
TBO Bank has very competitive rates for the 9 Month and 18 Month CD, outperforming the national average.
Certificate of Deposit (CD) Disclosure:
Rates are subject to change at any time and are only guaranteed once the CD is opened. Early withdrawals are not allowed within the first 90 days of account opening. After 90 days, early withdrawals may be permitted with bank approval, will incur a penalty, and may reduce earnings. The stated return is guaranteed only if funds remain on deposit for the full CD term.
A balance of $500 is required to obtain the disclosed annual percentage yield.
At this time, funding is available exclusively via ACH transfer.
For full terms and conditions, please refer to our account agreement or speak with a representative.
How our CD Works
Open your new account in just a few minutes* by completing a simple, secure online application.
Select the term length and deposit amount that works for you.
Watch your savings grow at a fixed rate over the term of your CD.
Enjoy guaranteed returns and peace of mind knowing your funds are secure.
Ready to Get Started?
Open your TBO Bank CD today and take the next step toward achieving your financial goals. Visit us in-branch, call our team, or start the process online. We’re here to help you make the most of your money!