Business CD Overview

Certificates of Deposit

These accounts are one of the most reliable investment tools available. CDs deliver a competitive rate of interest that won't change with market fluctuations – plus the peace of mind that comes with FDIC insurance.

Certificates of Deposit

Guaranteed interest rate independent of market fluctuations.

Multiple terms available
Guaranteed return during the term
FDIC insured up to the standard limit

Learn more

You Choose CD

Greater control and improved earning potential throughout your term.

Allows one change in rate during term
Guaranteed return during the term
FDIC insured up to the standard limit

Learn more

Access CD

More flexible than a traditional CD with less restrictions on deposits and withdrawals.

Allows unlimited deposits
Allows one penalty-free withdrawal
Guaranteed return during the term
FDIC insured up to the standard limit

Learn more

CDARS

Maximize you returns, and your FDIC insurance.

Multiple terms available
Guaranteed return during the term
Extends FDIC insurance beyond the standard limit

Learn more

Compare account details


empty	MB&T CD	Access CD	YouChoose CD
Terms	30 days to 5 years	7 months	21 months
Automatic Renewal at Maturity	Yes	Yes	Yes
Minimum Balance	$1,000	$10,000	$10,000
Deposits Allowed	No	Unlimited	No
Withdrawals Allowed	You may be assessed an Early Withdrawal Penalty for withdrawals made prior to maturity.	One withdrawal allowed during the term without penalty, as long as the balance remains above $10,000.	You may be assessed an Early Withdrawal Penalty for withdrawals made prior to maturity.
Interest Rate¹ and Payment	Fixed Rate until maturity. Interest compounds daily. You choose frequency of interest payment (at maturity is most common).	Fixed Rate until maturity. Interest compounds daily. You choose frequency of interest payment (at maturity is most common).	One-time option to reset rate to prevailing YouChoose CD rate for the remainder of the term.
action buttons	Learn more	Learn more	Learn more