CDs & IRAs

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Save Smart With Competitive CD Rates

Banterra's Certificate of Deposit (CD) accounts offer flexible terms and fixed rates to help you grow your money with confidence. With higher returns than traditional savings accounts and limited-time rate promotions, take advantage today.

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Current Promotions

13-Month CD

4.15%APY*

7-Month CD

4.05%APY*

15-Month CD

4.00%APY*

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Why Open A CD With Banterra

Reliable

FDIC-insured savings backed by a trusted local team. This gives you the confidence people look for when choosing a secure certificate of deposit.

Rate-Locked

Enjoy a guaranteed rate for the full term of your CD. This ensures predictable earnings and dependable savings no mater the market changes.

Ready

Easily open your account online anytime with our convenient platform. Prefer to open in-person? Visit your nearest Banterra location.

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Earn Interest And Access Multi-Million-Dollar FDIC Insurance With IntraFi^® Network Deposits

With IntraFi, Banterra can offer smart and convenient ways to safeguard your large deposits by using a network of banks, but with the simplicity of working with just Banterra. IntraFi product offerings include ICS (IntraFi Cash Service) - funds placed into savings or money market accounts and CDARS - funds placed into CDs.

With ICS and CDARS services, you can:

Enjoy peace of mind knowing your funds are eligible for multi-million-dollar FDIC insurance
Earn interest
Save time by working directly with our bank
Enjoy flexibility
Know the amount of your deposit can be used to invest in your local community

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Deposit placement through CDARS or ICS is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through CDARS or ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi, CDARS, One Bank One Rate One Statement are registered trademarks, and the IntraFi logo and IntraFi hexagon are service marks, of IntraFi Network LLC.

Retirement Accounts

Saving for your retirement is something you need to prepare for now, no matter where you’re at in your career. Banterra offers two different individual retirement account (IRA) options. Both accounts have different impacts on your taxes, so we recommend you consult with your tax advisor to determine which account is the right choice for you. Click the button below to learn more about the IRAs we offer.

Learn More

Certificate of Deposit FAQs

What is a Certificate of Deposit (CD) and how does it work?

A CD is a deposit account that allows you to lock in an interest rate for higher returns on your money than traditional savings accounts. During the term, your funds earn guaranteed interest, and you withdraw the balance when the CD matures.

What CD terms does Banterra offer?

Banterra offers a variety of term lengths to fit your financial plan, like 3-months, 6-months, and longer terms such as 36-months and four-years, as well as offering frequent promotional terms and rates. To review our CD terms and additional information, head to our CDs page.

What is the minimum deposit required to open a Banterra CD?

A $1,000 minimum deposit is required to open and earn desired APY on all Banterra CDs. Head to our CD page to review all offerings or contact your local branch.

Are my funds in a CD safe?

Yes. Banterra's Certificate of Deposit (CD) accounts are safe and secure, insured by the FDIC up to the maximum limits of $250,000. We also have deposit products through IntraFi^® Network Deposits, including savings, money market and CDs, which offer multi-million-dollar FDIC insurance that utilize a network of banks while offering you the convenience of working with just Banterra.

Can I withdraw funds from my CD early?

Yes, but early withdrawal penalties may apply.

How often does interest compound on a CD?

Interest may be credited, compounded, or transferred monthly, quarterly, semi-annually, or annually depending on the term.

What do I need to open an account online?

Banterra's Open Your Account page lists what you'll need to a quick application process, including your personal information, valid ID, address verification, and deposit information.

*Annual Percentage Yield accurate as of 9/1/2026. Minimum deposit required to open and earn stated APY. Penalty may be imposed for early withdrawal. For online account opening, applicants must be 18 years old and a US Citizen with a US address. Eligible states include Arizona, Colorado, Idaho, Illinois, Indiana, Kentucky, Missouri and Utah (state offerings may expand.) Federal law requires banks to obtain and verify your identity to help fight fraud.

CDs and IRAs