Alert!

All offices and drive-up windows will be closed on Monday, May 29th in observance of Memorial Day.

Information about our merger and your transition to NBT can be found at SalisburyBank.com/NBT

For information regarding recent industry news visit: SalisburyBank.com/Industry-News

Certificates of Deposit (CD)

A safe and predictable way to save money.

How to Open

Choose the CD that meets your savings needs and watch your money grow.

If you want to earn a competitive interest rate and don’t need immediate access to your funds, consider a CD from Salisbury Bank! CDs are a secure investment with a specific term and guaranteed rate of return. Backed by the assurance of FDIC protection, our CDs are insured up to the allowable limits.

  • Flexible terms from one month to five years

  • Monthly interest can be added to your CD or transferred to another account

Certificates of Deposit - Personal and Business

Effective Date: Thursday May 25, 2023

Term Minimum Balance to Open Minimum Balance to Earn APY* Interest Rate APY*
30 to 89 Days1 $1,000.00 $1,000.00 0.05% 0.05%
3 to 5 Months1 $1,000.00 $1,000.00 0.10% 0.10%
6 to 11 Months1 $1,000.00 $1,000.00 0.20% 0.20%
12 to 17 Months1 $1,000.00 $1,000.00 0.40% 0.40%
13 Months1,2 $1,000.00 $1,000.00 4.64% 4.75%
15 Months1 $1,000.00 $1,000.00 2.08% 2.10%
16 Month Step-Up1 $1,000.00 $1,000.00 0.40% 0.40%
18 to 23 Months1 $1,000.00 $1,000.00 0.50% 0.50%
24 to 35 Months1 $1,000.00 $1,000.00 0.52% 0.52%
36 to 47 Months1 $1,000.00 $1,000.00 0.58% 0.58%
48 to 59 Months1 $1,000.00 $1,000.00 0.60% 0.60%
60 Months1 $1,000.00 $1,000.00 0.62% 0.62%

 

* APY is defined to mean Annual Percentage Yield. Rates are subject to change without notice.

1 Interest is compounded daily and credited monthly. The interest rate is fixed and will not change until maturity. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. A substantial penalty for early withdrawal may be imposed. Transaction limitations apply. If you have a 16 Month Step-Up, you may exchange the interest rate on your account one time during the term upon written request for the 16 Month Step-Up Certificate rate currently offered. 

2 13 Month Certificate of Deposit will automatically renew to a 12 month Certificate of Deposit.

Fees may reduce earnings.

View our Rates

Help yourself to our competitive rates!

Our Rates
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