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Certificates of Deposit

Make your money work harder for you. Whether short- or long-term, small or large investments, a Monroe Bank & Trust Certificate of Deposit (CD) offers you the performance, power and options you need to grow your finances.

Features and Benefits

  • Competitive rates.
  • Low initial deposit - often only $1,000 minimum to open.*
  • Flexible terms from 7 days to 5 years.
  • Interest can be added to your certificate and compounded, paid by check, or deposited directly to your MBT account.
  • Over 49?  Ask how you can earn an even higher interest rate on your CD with Vintage 50 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 15, 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.


Guaranteed Choices

Get higher, guaranteed rates with an MBT Certificate of Deposit. If you have funds that can be invested for a length of time, you can take advantage of significant savings power. With maturity dates from one week to 5 years, you’ll earn high rates that are determined weekly, based on market conditions and the term of your CD. 

MBT CDs offer a variety of payment options. You can receive the interest at maturity for terms of less than one year, or monthly, quarterly, semi-annually or annually. You also have the flexibility to have earned interest added to your CD, paid by check or directly deposited to another MBT account. 

Guarantee your financial performance. Open the MBT CD that best suits your needs today.

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