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Certificates of Deposit

The perfect CD for you… just you, can be found at JBT. That’s because we believe you shouldn’t be locked in to choosing from fixed terms and rates like you’re ordering off a menu. At JBT, we offer flexible terms and personalized CDs that fit your needs both in terms of the length of your CD and the return on your investment.

We’ll even show you what other banks in the area are offering so you have the information you need to decide what works for you. 

Great rates, flexible terms, and FDIC coverage (up to federal limits). Contact your local JBT branch to learn more and get your personalized CD!

Combine your CD with a high-yield savings account

Open a 6-month or longer JBT CD1 and you can also open a JBT Companion Savings Account2 at the same time. 

The CD and savings account will earn interest, plus you have the freedom to make withdrawals from your JBT Companion Savings Account anytime without penalty!


4.00% APY Companion Savings Account 2

$1,000 Minimum Opening Balance

Available when opening a new CD with a term of 6 months or longer.

1Interest rates subject to change without notice. Fees may reduce earnings. Penalty for early withdrawal. $1,000 minimum deposit for certificates of deposit. New CD term six (6) months or longer with $1,000 minimum opening balance requirement if also opening a JBT Companion Savings Account. Offer may be withdrawn without notice.

2Annual Percentage Yield (APY) for JBT Companion Deposit is 4.00%. APY accurate as of 05/01/2024. The rate may change after the account is opened. $1,000 minimum opening balance requirement. Account must be funded with money not currently on deposit at JBT within ten (10) days of opening CD. Must open a JBT CD with an initial opening balance of the CD being greater than or equal to the opening balance of the Companion Deposit account. Opened with a new CD, term six (6) months or longer. Withdrawals must be done in person. Account limited to six (6) withdrawals per calendar quarter. Fees may reduce earnings. $5 fee if account is closed within 90 days of opening. Account requires a minimum balance of $1,000 each day to avoid a $3 monthly service charge.

When the Prime Rate changes, so will your JBT Prime Tracker CD yield!

  • Earn a variable interest rate based on the Wall Street Journal Prime Rate minus 3.50%. Every time the Wall Street Journal Prime Rate changes, so will your JBT Prime Tracker CD yield.
  • Add more funds anytime!
  • FDIC insured up to Federal limits.
  • Penalty for early withdrawal.
  • Available at any JBT community branch.

3Annual Percentage Yield accurate as of 05/01/2024. Minimum opening deposit $5,000. Interest rate based on Prime minus a margin of 3.50%. Interest rate will never be less than 0.10%. Minimum additional deposit amount $50.00 (per deposit). APY may change without notice after account is opened. Penalty for early withdrawal. Fees may reduce earnings. Offer available at all JBT locations. Public funds are not eligible for this product. Not good in conjunction with any other offer. Offer may be withdrawn without notice.

To learn more or open a personalized CD, contact your local JBT branch or contact JBT’s Client Resource Center at (717) 274-5180 (option 1).