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Certificates of Deposit (CDs)

Grow your savings with confidence.  

A Smart, Secure Savings Solution

In an unpredictable world, it's comforting to have genuine assurances in your life. Certificates of Deposit (CDs) are one thing you can confidently count on. With CDs, you earn a guaranteed rate for a term that fits your financial goals, and your funds are FDIC-insured. Opening a CD is a great way to earn more on funds you don't need access to right away. Contact a personal banker to open yours today!
 

How Can a CD Help You Reach Your Savings Goals?

What are you saving for? A new house? Truck? Dream vacation? Retirement?

CDs offer flexibility upon maturity, making them a versatile investment choice. They are a sound solution, too, as funds are FDIC-insured up to applicable limits.

 

Our Current CD Rates
 

Explore our current rates and terms for personal CDs.*
Plazo (meses) Depósito mínimo $1,000 a $9,999.99 $10,000 a $249,999.99 $250,000 y más
    Tasa de interés APY Tasa de interés APY Tasa de interés APY
6 meses $1,000 2.25% 2.26% 2.50% 2.52% 2.75% 2.77%
12 meses $1,000 2.55% 2.57% 2.80% 2.83% 3.05% 3.09%
18 meses $1,000 2.60% 2.63% 2.85% 2.88% 3.10% 3.14%
24 meses $1,000 2.70% 2.73% 2.95% 2.98% 3.20% 3.24%
36 meses $1,000 2.40% 2.42% 2.65% 2.68% 2.90% 2.93%
60 meses $1,000 2.15% 2.17% 2.40% 2.42% 2.65% 2.68%
 

 

¡Pregunte por nuestros especiales de CD!

¡No te lo pierdas! Llame o visite una sucursal de VeraBank hoy mismo.

UBICACIÓN DE LAS SUCURSALES

 

Track Your Investment

Stay informed about your investment from your computer, tablet, or phone. VeraBank Online and Mobile Banking ensure you're in the loop with CD Maturity Notifications. When your CD matures, you can decide how you want to proceed: roll it into a new CD, transfer it to another VeraBank savings account, checking account, or receive a cashier's check.

 

 

Why a CD from VeraBank?

We're genuinely committed to helping you achieve your financial goals. That's why we offer CDs at competitive rates with flexible terms. With a VeraBank CD, you can invest with as little as $1,000. Terms are available from 6 to 60 months - align them as you wish to meet your short- or long-term savings goals.

Visite su sucursal local o llámenos al 877-566-2621.

Rate Disclosures
*Personal CDs are FDIC insured up to $250,000. All interest rates and Annual Percentage Yields (APYs) are accurate as of 12/19/2024 and subject to change. A penalty may be imposed for early withdrawal.

Institutional or brokered CDs are not eligible for the rates listed above. Please call 903-657-8521 or your local branch for more information on applicable fees and terms.

Certificates of Deposit FAQs

You have honest questions about VeraBank CD Accounts. Aquí están nuestras respuestas genuinas.

Are CDs a good investment?

Yes, a CD is generally considered a sound investment. That's because your funds are federally insured by the FDIC up to applicable limits, ensuring safety. Plus, unlike accounts with specific designations (e.g., retirement or college savings accounts), you can use the funds freely upon maturity.

 

What is a CD?

A CD, or Certificate of Deposit, is a savings account that pays a fixed interest rate for a set period of time (e.g., 12 months). Your interest accumulates over the duration of the term, and you'll receive the principal plus earned interest at maturity.

 

How do CDs differ from savings accounts?

With CDs, your account has a set term length and maturity date. You earn a fixed rate over a specified amount of time. Savings accounts typically don't have an end date, giving you more flexibility to access your funds. However, CDs generally pay a higher rate than most savings accounts.

 

What happens after your CD matures? When are CD funds paid out?

When your CD reaches maturity, it will automatically renew, or you can withdraw your initial deposit along with the interest earned.

At VeraBank, you have several options on how CD funds are paid out:

  1. Withdraw the account balance (principal + accumulated interest) in the form of a cashier’s check.
  2. Transfer funds to a VeraBank savings or checking account.
  3. Renew the CD at another term or close the CD and open a new and different CD term.

Would you like help from a personal banker?

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What happens if I need to withdraw money from my CD? Are there early withdrawal penalties?

Yes, there is a penalty for the early withdrawal of CD funds. Penalties are based on the CD term and can range from 2-12 months of interest earned. To maximize your earnings, keep your account open until maturity.

 

Is Your Money Working For You?

Explore VeraBank’s personal savings and checking accounts to find the account that fits your unique financial needs.
Explore Personal Accounts

 

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