Certificate of Deposit (CDs)

Check out our latest special offer!


8-MONTH CERTIFICATE OF DEPOSIT

4.25% APY1

The minimum deposit is $1,000.00.
Open an account at a banking center near you.

Your long-term savings machine.

Choose from terms as short as three months to as long as seven years, with many options in between. All CD terms have a minimum opening deposit of $1,000.00.

TermInterest RateAPY2
3 months1.00%1.00%
6 months1.49%1.50%
12 months2.24%2.25%
18 months3.86%3.90%
24 months2.48%2.50%
36 months0.75%0.75%
48 months0.75%0.75%
60 months0.75%0.75%
TermInterest RateAPY2
3 months1.00%1.00%
6 months1.49%1.50%
12 months2.24%2.25%
18 months3.86%3.90%
24 months2.48%2.50%
36 months0.75%0.75%
48 months0.75%0.75%
60 months0.75%0.75%
TermInterest RateAPY2
3 months1.00%1.00%
6 months1.49%1.50%
12 months2.24%2.25%
18 months3.86%3.90%
24 months2.48%2.50%
36 months0.75%0.75%
48 months0.75%0.75%
60 months0.75%0.75%
TermInterest RateAPY2
3 months1.00%1.00%
6 months1.49%1.50%
12 months2.24%2.25%
18 months3.86%3.90%
24 months2.48%2.50%
36 months0.75%0.75%
48 months0.75%0.75%
60 months0.75%0.75%

Contact a Personal Banker or visit a local banking center to get started.

Find a Branch

You may also be interested in:

Signature Series Checking

Receive our highest interest rates and robust benefits from our premier checking account.

You'll also have access to these great services:

conversation between people

Financial Team

Achieve your financial goals with the help of our team of financial experts.

Learn More

Online Banking

Check balances and manage accounts day and night from any device.

Learn More

Savvy Money Management

Centralize your finances to track spending, set financial goals and monitors all of your accounts.

Learn More

Personal Account Fee Schedule

18-month certificate of deposit (CD) at 4.25% APY up to $1,000,000.00. This offer is for new money transferred from an external bank account into Arizona Bank & Trust, a division of UMB Bank, n.a. certificate of deposit account. After the maturity date, your account will renew into a 6-month regular term certificate of deposit. The Annual Percentage Yield (APY) is accurate as of 03/19/2025. Early withdrawal penalties may apply. $1,000.00 minimum opening deposit. Minimum balance to obtain APY is $0.01. Interest is credited at maturity for CD and IRA accounts with a term less than 12 months. Geographic restrictions may apply. Account opening is subject to approval.

2These interest rates and annual percentage yields (APY) are accurate as of: 04/15/2025. Early withdraw penalties may apply. APY is based upon the maximum term of the deposit for each maturity. Interest is credited at maturity for CD and IRA accounts with a term less than 12 months. Interest is credited or compounded semi-annually for CD and IRA terms 12 months or greater. Minimum balance to obtain APY is $0.01. Minimum deposit to open a Certificate of Deposit is $1,000.00. Account opening is subject to approval.  Geographic restrictions may apply. 

Any statements regarding rollovers is for informational purposes only, and should not be construed as investment advice or a recommendation to move money out of your prior employer’s plan or personal traditional Individual Retirement Account.

2These interest rates and annual percentage yields (APY) are accurate as of: 04/15/2025. Early withdraw penalties may apply. APY is based upon the maximum term of the deposit for each maturity. Interest is credited at maturity for CD and IRA accounts with a term less than 12 months. Interest is credited or compounded semi-annually for CD and IRA terms 12 months or greater. Minimum balance to obtain APY is $0.01. Minimum deposit to open a Certificate of Deposit is $1,000.00. Account opening is subject to approval.  Geographic restrictions may apply. 

Any statements regarding rollovers is for informational purposes only, and should not be construed as investment advice or a recommendation to move money out of your prior employer’s plan or personal traditional Individual Retirement Account.

Interest rates and Annual Percentage Yields online may vary from interest rates and Annual Percentage Yields offered in branch.