Personal CD Overview

Certificates of Deposit

CDs are one of the most reliable investment tools available. They deliver a competitive rate of interest that won't change during the term with market fluctuations, and they offer the peace of mind that comes with FDIC insurance.

Certificates of Deposit

Flexible terms with a guaranteed interest rate.

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

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You Choose CD®

Greater control and improved earning potential throughout your term.

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

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Access CD

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

Guaranteed return during the term
Allows unlimited deposit
Allows one penalty free withdrawal
FDIC Insured up to standard limit

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CDARS

Maximize your returns, and your FDIC insurance.

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

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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.
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