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Certificates of Deposit

Get the performance, power and options you need to grow your business finances. With a Monroe Bank & Trust Business Certificate of Deposit, your company’s money works harder and smarter.

Features and Benefits

  • Competitive rates.
  • Low initial deposit - $1,000 minimum to open.
  • Flexible terms from one week to five years.
  • Interest can be added to your certificate account, paid by check, or deposited directly to a your MBT business checking account.
  • Ask about the Rate Hike CD that allows a one-time rate increase.

Current Rates

Certificate of Deposit
Type Min. to Open Rate APY
7-31 Day $2,500 0.05% 0.05%
32 - 89 Day $1,000 0.05% 0.05%
3 month $1,000 0.10% 0.10%
6 month $1,000 0.15% 0.15%
1 Year $1,000 0.20% 0.20%
1.5 Year $1,000 0.20% 0.20%
2, 2.5 Year $1,000 0.25% 0.25%
3, 3.5 Year $1,000 0.40% 0.40%
4 Year $1,000 0.60% 0.60%
5 Year $1,000 1.00% 1.00%
3, 3.5 Year Vintage $1,000 0.50% 0.50%
4 Year Vintage $1,000 0.70% 0.70%
5 Year Vintage $1,000 1.10% 1.11%
25 Month Rate Hike $1,000 0.20% 0.20%

APY = Annual Percentage Yield. Rates current as of April 22, 2014. The above are interest-bearing accounts. The interest rate and APY is subject to change without prior notice until account opening.  APY at account opening will not change and will be in effect until this account matures. Interest begins to accrue on the business day of your deposit for either cash or non-cash items. Your account will mature in the length of time selected at account opening. Withdrawals before maturity date are subject to penalty. A $25.00 Early Redemption Fee will also apply. Withdrawals will reduce earnings. Consult your MBT Banker regarding penalty amounts based upon length of maturity. Deposits at or over $100,000 may qualify for a jumbo rate. It is the reader's responsibility to confirm or verify any rates, fees or penalties with the Bank by visiting any branch, contacting the Customer Service Center at 800-321-0032, or by completing and submitting the Contact Us form, which may be accessed from any website page.


High-Powered Business Savings

If you have business funds that can be invested for a length of time, you can take advantage of the significant earning power of an MBT Business Certificate of Deposit. You’ll get higher, guaranteed rates determined weekly, based on market conditions and CD term, with maturity dates from one week to 5 years.

You can receive the interest at maturity for terms of less than one year, or monthly, quarterly, semi-annually or annually. The interest may be added to your CD account, paid by check or directly deposited to another MBT account.

Guarantee your business’ financial performance with the MBT Business CD that best suits your needs. Simply contact Business Services or call 800-321-0032 for more information.

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