TBK Bank Certificates of Deposit — Fixed APY, 3 to 60 Month Terms

Certificates of deposit at TBK Bank lock a fixed APY for a specified term. Choose from 9 standard terms: 3, 6, 9, 12, 18, 24, 36, 48, and 60 months. Minimum opening deposit is $1,000 for standard CDs and $10,000 for promotional rate CDs that appear periodically with above-standard APY on featured terms. Interest compounds daily. Distribution options: credit to the CD, transfer to a TBK Bank checking or savings account monthly or quarterly, or pay at maturity.

Every TBK Bank CD auto-renews at maturity into a new CD of the same term at the APY in effect on the renewal date. A 10-day grace period after maturity lets you withdraw, change terms, or close without penalty. Early withdrawal penalty applies if you break the CD before maturity. FDIC insured up to $250,000 per depositor per ownership category. Open online in 10 minutes or at any branch. TBK Bank customer service: +1-877-482-2265.

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TBK Bank CD rate sheet showing fixed APY terms from 3 months to 60 months with promotional rates for $10K deposits

TBK Bank CDs Summary — April 2026

Standard CDs: 3, 6, 9, 12, 18, 24, 36, 48, and 60 month terms. $1,000 minimum deposit
Promotional CDs: above-standard APY on featured terms (e.g., 11, 15, 25 months). $10,000 minimum
Fixed APY locked for the entire term. Interest compounds daily, credits monthly/quarterly/at maturity
Auto-renewal at maturity with 10-day grace period for penalty-free changes or withdrawals
Early withdrawal penalty: 90 days interest ≤12mo, 180 days 13-23mo, 365 days ≥24mo
30-day maturity notices via email and mail. Change renewal anytime in online banking
FDIC insured up to $250,000 per depositor. OCC regulated. NMLS registered. Equal Housing Lender

Short-Term CDs (3–12 months)

3, 6, 9, and 12 month terms. Minimum deposit $1,000. Fixed APY locks for the term. Best for savings earmarked for a specific near-term purchase — next year's property tax payment, a planned home improvement, a known future medical expense. Early withdrawal penalty 90 days of interest. 10-day grace at maturity.

Short-Term CDs →

Mid-Term CDs (18–36 months)

18, 24, and 36 month terms. Minimum deposit $1,000. Typically higher APY than short-term CDs. Best for reserves you will not need for 1 to 3 years — down payment savings with a flexible timeline, college fund intermediate layer, or planned vehicle purchase. Early withdrawal penalty 180 days (18mo) or 365 days of interest (24/36mo).

Mid-Term CDs →

Long-Term and Promotional CDs

48 and 60 month standard CDs plus promotional CDs on featured terms. Promotional CDs require $10,000 minimum deposit for above-standard APY. Best for long-horizon savings not needed for 4+ years or for laddered strategies where a higher-rate promotional CD anchors the long end. 365-day early withdrawal penalty.

Long-Term CDs →

$1,000 Standard CD Minimum

$10K Promotional CD Minimum

10-Day Grace Period at Maturity

$250K FDIC Insurance per Depositor

CD interest compounding daily chart showing fixed APY locked at account opening for the full term

Fixed APY, Daily Compounding

At CD opening, the APY in effect that day locks for the entire term. Whether market rates rise or fall during the term, your CD continues paying the contracted APY. Interest compounds daily using the daily periodic rate multiplied by the end-of-day balance, delivering slightly more yield than simple interest calculations. Distribution options: credit interest to the CD (fastest compounding), transfer to a TBK Bank checking or savings account monthly or quarterly (creates cash flow from the CD), or pay all interest at maturity alongside principal.

Promotional CDs with minimum $10,000 deposits typically pay 20–50 basis points above the standard CD rate for the same term. Promotional offers appear periodically — commonly tied to 11-month, 15-month, or 25-month featured terms. Active promotional rates show in the TBK Bank rate center inside online banking or on printed rate sheets at every branch. Rate locking happens at application submission, so applying during a promotional window secures the featured rate even if it expires during processing.

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CD auto-renewal with 10-day grace period for penalty-free changes and maturity notice email 30 days before

Auto-Renewal and 10-Day Grace Period

TBK Bank CDs auto-renew at maturity into a new CD of the same term at the APY in effect on the renewal date. The 10-day grace period after maturity lets you withdraw the CD penalty-free, change the term (e.g., from 12 months to 24 months), switch the distribution option, add or withdraw principal, or close the CD entirely. During the grace period, funds earn the previous CD's rate — there is no zero-interest dead zone. Maturity notices deliver 30 days before maturity by email and mail so you have time to decide.

Log in to TBK Bank online banking to change renewal instructions anytime up to maturity without penalty. The "Do not auto-renew" election at opening directs the matured CD proceeds to a designated checking or savings account. Change the designated account anytime through online banking. Renewal emails include the new APY, next maturity date, and one-click links to modify or cancel the renewal. Federal disclosure rules enforced by the Consumer Financial Protection Bureau standardize these notices.

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CD ladder strategy with 1 2 3 4 5 year rungs renewing annually to maintain consistent liquidity and yield

CD Laddering — Yield and Liquidity Together

A CD ladder splits a total deposit across multiple CD terms so one CD matures each year. Example: $25,000 total divided into five $5,000 CDs at 12-, 24-, 36-, 48-, and 60-month terms. Each year one CD matures; reinvest the proceeds into a new 60-month CD. After the fifth year, every ladder rung is a 60-month CD but one matures annually. The ladder delivers the higher APY of long-term CDs while maintaining annual liquidity for one-fifth of the portfolio.

Ladders reduce reinvestment risk — the chance that all CDs mature in a low-rate environment. They also moderate early withdrawal risk, since only the next maturing CD needs to be broken if unexpected cash needs arise. TBK Bank bankers design ladders during account opening consultations; the online banking CD calculator models ladder structures with current rates. Pair a CD ladder with high-yield savings for emergency reserves and a money market account for planned payment liquidity.

Money Market

Term	Minimum Deposit	CD Type	Early Withdrawal Penalty	Best For
3 Months	$1,000	Standard	90 days interest	Near-cash savings, CD ladder short rung
6 Months	$1,000	Standard	90 days interest	Known short-term expense
9 Months	$1,000	Standard	90 days interest	Planned seasonal spending
11 Months	$10,000	Promotional	90 days interest	Above-standard APY featured term
12 Months	$1,000	Standard	90 days interest	Annual savings goal, ladder rung
15 Months	$10,000	Promotional	180 days interest	Promotional featured term
18 Months	$1,000	Standard	180 days interest	Mid-term reserve
24 Months	$1,000	Standard	365 days interest	2-year known expense
25 Months	$10,000	Promotional	365 days interest	Promotional featured term
36 Months	$1,000	Standard	365 days interest	Mid- to long-term savings
48 Months	$1,000	Standard	365 days interest	Long-term ladder rung
60 Months	$1,000	Standard	365 days interest	Maximum term, longest ladder rung

APY disclosures subject to current rate sheet inside TBK Bank online banking. Promotional CDs available for limited windows. All CDs FDIC insured up to $250,000 per depositor per ownership category. Interest reported to the IRS on Form 1099-INT.

Penalty Schedule by Term

CDs with terms of 12 months or less: penalty equals 90 days of interest on the amount withdrawn (at the CD's contracted APY). CDs with terms of 13 to 23 months: penalty equals 180 days of interest. CDs with terms of 24 months or more: penalty equals 365 days of interest. If accrued interest on the CD does not cover the penalty amount (possible early in the term), the shortfall is deducted from principal — so early withdrawal can reduce your original deposit. Partial withdrawals during the term incur penalty on the withdrawn portion; the remaining CD balance continues earning the contracted APY to maturity. Penalty waivers are available at the bank's discretion for depositors over age 72 subject to IRS required minimum distributions and in cases of depositor death — documentation required.

When Breaking a CD Makes Sense

Compare the remaining interest earned at the CD's contracted APY against the early withdrawal penalty plus the APY you could earn reinvesting at current rates. If market rates have risen substantially and the remaining term is short, breaking and reinvesting may net out positive after penalty. For longer remaining terms with meaningful rate increases, the math is more complex — use the CD early withdrawal calculator inside online banking or ask a TBK Bank banker to run scenarios. For emergency cash needs, a CD is often better broken than a 401(k) loan or a high-interest credit card advance — compare the TBK Bank personal loan options first; personal loan APR is usually lower than credit card rates and breaks no CDs. Consumer disclosures on early withdrawal penalties are supervised by the CFPB.

"I built a five-rung CD ladder at TBK Bank — $8,000 each in 12, 24, 36, 48, and 60 month terms. One matures every year and I reinvest into a new 60-month rung. The yield spread over money market makes the commitment worth it."

Daniel Ortiz — Retired Teacher, San Antonio TX

"I caught a promotional 15-month CD at $10,000 minimum — 35 basis points higher than the standard 12-month. The maturity notice came 30 days early and I shifted the principal into a new 24-month CD in the 10-day grace period."

Emily Watson — Accountant, Colorado Springs CO

"Property tax CD strategy: 9-month CD at TBK Bank every January, matures October with locked APY covering eleven months of tax savings. Better yield than savings and I know exactly when I'll need the cash back."

James Taylor — Homeowner, Fort Worth TX

Open a TBK Bank CD Today

Lock a fixed APY for 3 months up to 60 months with a TBK Bank certificate of deposit. Standard CDs open with $1,000. Promotional CDs at $10,000 minimum pay above-standard APY on featured terms like 11, 15, and 25 months. Interest compounds daily and credits to the CD, transfers to a TBK Bank checking or savings account on your schedule, or pays at maturity alongside principal. Auto-renewal at maturity with a 10-day grace period for penalty-free changes, withdrawals, or term switches. Early withdrawal penalty applies to breaks before maturity: 90 days of interest for terms up to 12 months, 180 days for 13 to 23 months, 365 days for 24 months or more. Every TBK Bank CD is FDIC insured up to $250,000 per depositor per ownership category. Build a CD ladder for the best combination of yield and liquidity — TBK Bank bankers design ladders during opening consultations. Open online in 10 minutes from your existing TBK Bank account without re-verifying identity. Call TBK Bank customer service at +1-877-482-2265.

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What CD terms does TBK Bank offer?

3, 6, 9, 12, 18, 24, 36, 48, and 60 month standard CDs ($1,000 minimum). Promotional CDs at $10,000 minimum on featured terms (commonly 11, 15, 25 months) with above-standard APY. Fixed APY for the full term. Interest compounds daily, credits monthly, quarterly, or at maturity.

What is the early withdrawal penalty on a TBK Bank CD?

90 days of interest for terms ≤12 months. 180 days for 13–23 months. 365 days for ≥24 months. Applied to amount withdrawn. If accrued interest doesn't cover it, deducted from principal. Waivers at bank discretion for age 72+ RMDs and death of depositor.

How does TBK Bank CD auto-renewal work?

Auto-renews at maturity into same term at current APY. 10-day grace period for penalty-free withdrawal, term change, or closure. 30-day maturity notices via email and mail. Change renewal anytime in online banking.

Can I open a TBK Bank CD online?

Yes — 10 minutes online. Existing TBK Bank customers fund from checking/savings/money market without re-verifying identity. New customers apply with ID, SSN, DOB, and funding source (ACH, debit card, cash, or branch check).

Are TBK Bank CDs FDIC insured?

Yes — $250,000 per depositor per ownership category. Principal + accrued interest covered. Joint CDs separate $250K per co-owner. Trust CDs extend coverage by beneficiary. Verify at fdic.gov BankFind.