Certificates of Deposit

A variety of CD terms means more savings options for you.

Whether it’s next year’s trip, a future home or a place for your nest egg to grow, find the term to help you with your savings goals.

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CDs can pay higher interest rates than other deposit accounts. Choose from terms as low as 3 months up to 10 years.


  • Lock in a higher rate of fixed interest
  • Short term CDs pay simple interest (three months up to 1 year)
  • Long term CDs pay compounded interest
  • Interest can be deposited directly into a checking or savings account
  • Automatic renewals
  • With tiered interest rates, the more you save the more you can earn
  • $2,000 to open
  • FDIC insured up to the maximum amount per depositor category
  • Additional FDIC Insurance available through CDARS®

CD Rates

Certificate of Deposit and IRA 1,2
Term10 Year Minimum Deposit$2,000 CD APY21.00% IRA APY21.00%
Term7 Year Minimum Deposit$2,000 CD APY20.90% IRA APY20.90%
Term5 Year Minimum Deposit$2,000 CD APY20.65% IRA APY20.65%
Term4 Year Minimum Deposit$2,000 CD APY20.40% IRA APY20.40%
Term3 Year Minimum Deposit$2,000 CD APY20.35% IRA APY20.35%
Term30 Month Minimum Deposit$2,000 CD APY20.30% IRA APY20.30%
Term24 Month Minimum Deposit$2,000 CD APY20.30% IRA APY20.30%
Term18 Month Minimum Deposit$2,000 CD APY20.30% IRA APY20.30%
Term12 Month Minimum Deposit$2,000 CD APY20.25% IRA APY20.25%
Term9 Month Minimum Deposit$2,000 CD APY20.20% IRA APY20.20%
Term6 Month Minimum Deposit$2,000 CD APY20.20% IRA APY20.20%
Term3 Month Minimum Deposit$2,000 CD APY20.10% IRA APY20.10%
1 Fees may reduce earnings.
2 The minimum required to open this account and receive the APY is $2,000. APY = Annual Percentage Yield. CDs with balance at maturity between $250.00 & $1,999.99 will renew at the comparable PassCard APY; CDs with balance at maturity below $250.00 will renew at 0%. Penalties may be imposed for early withdrawal.

Smiling man checking Brentwood Bank CD rates on laptop

Ready to put your extra cash to work?

Account Disclosures

1. Limits apply. Funds may be submitted for placement only after a depositor enters into a CDARS Deposit Placement Agreement with us.  The agreement contains important information and conditions regarding the placement of funds by us.  CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC.

2. When deposited funds are exchanged on a dollar-for-dollar basis with other banks in the Network, we can use the full amount of a deposit placed through CDARS for local lending, satisfying some depositors’ local investment goals or mandates. Alternatively, with a depositor’s consent, our bank may choose to receive fee income instead of deposits from other banks.  Under these circumstances, deposited funds would not be available for local lending.

* Federal regulation prohibits you from making more than a total of six transfers each statement cycle to other accounts from a savings or money market account (including transfers to another account for overdraft protection) or to third parties by check, point-of-sale purchase transactions with a banking card, pre-authorized or automatic agreements, telephone, or online.  Other limitations may apply to your account.  See your Account Agreement for Fee Schedule and additional information.