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Certificates of Deposit & CDARS

Secure your Savings.

CD Specials:

Contact the bank for more information at (800)785-5991 or email us at: cdspecial@c3bank.com

4 month $25,000.00 $1,000,000.00 4.75%
7 month $25,000.00 $1,000,000.00 4.50%
12 month $25,000.00 $1,000,000.00 4.00%

Offer Expires 09/30/24. New money only. The interest rate, annual percentage yield (APY) and conditions are effective as of 07/01/2024, and may change without notice. APY is fixed for the term of the certificate and assumes principal and interest remain in the account for the selected term. Early withdrawal penalties may apply. Upon maturity, the promotional CD will automatically renew into a new CD that corresponds to the initial term, at the then current rates and terms. Minimum required balance to earn APY is $25,000. Balances below $25,000 will earn standard rates in effect at the time balance falls below $25,000. Other rates and terms available. The Bank reserves the right to change the terms and conditions of the account at any time. Contact a branch office, customer care or call (800)785-5991 to request further information and complete terms and conditions of this offer.

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What is a Certificate of Deposit?

Certificate of Deposits or CDs are similar to savings accounts in that they are insured by the FDIC. They are different from savings accounts in that a CD has a specific fixed term, varying from 60 days to three years. Also a CD has a fixed interest rate. It is intended that the CD be held until the maturity of the term, at which time the money may be withdrawn or rolled over into the same term or a different term. Interest will be paid annually at minimum. CDs earn different rates for different terms. If a CD is withdrawn before the end of the term, there will be a penalty imposed.

Personal Checking AccountsPersonal Savings Accounts

Certificate of Deposit


  • Short Term and Long Term
  • Automatically Renewable
  • Penalty for Early Withdrawal
  • Variety of Terms
  • Locked in Rate

Minimum Opening Deposit


Maturity Terms

60 days to 3 years

Interest Rate

Contact the bank for our current rates


Penalty assessed if Certificate is withdrawn before maturity:
0-180 days: 30 days of interest.
181-545 days: 60 days of interest.
546-729 days: 90 days of interest.
730 & up: 180 days of interest



The Certificate of Deposit Account Registry® (CDARS®) is a convenient way to access multi-million dollar FDIC Insurance on CD investments. You sign one agreement with C3bank, earn one interest rate and receive one regular statement. It's that easy.

How CDARS® Works:

Everything is handled through C3bank, a CDARS® Network member. When you place a large deposit with C3bank, C3bank uses the CDARS® service to place your funds into CDs issued by other members of the CDARS® Network.

This occurs in increments below the standard FDIC insurance maximum ($250,000) so that both principal and interest are eligible for FDIC insurance. By working directly with just one institution, you can receive insurance coverage from many. And, you receive just one regular, consolidated account statement.

Visit your local branch to register  Contact Us

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 Certification of Deposit Account Registry Service® are service marks of Promontory Interfinancial Network, LLC. The CDARS® service has been designed to satisfy the FDIC's requirements for pass-through deposit insurance coverage.

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