Banterra CD Rates And Promotions

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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

6-Month CD

3.80%APY*

12-Month CD

3.70%APY*

36-Month CD

3.60%APY*

Banterra offers competitive rates and a variety of term options for Certificate of Deposits (CDs). If you would like additional information and product details, contact us at 866-226-8377 or visit your local branch.

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.

Start Saving Today

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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 4/28/2026. 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.