You > Savings

Certificate of Deposit

A Certificate of deposit (CDs) is a savings vehicle that pays a fixed rate of interest rate on money held for an agreed upon term. CDs typically pay higher interest rates than savings and money market accounts given the commitment to keep the funds on deposit. 

Start Application

Rates are good 4/17/2024 through 5/21/2024

Minimum to open is $500
8 - Month
CD Rate Special
13 - Month2
CD Rate Special		   
25 - Month2
CD Rate Special
   APY1 APY1 APY1
Must have an Optimum Checking Account 4.50% 4.25% 3.50%
No account requirements 4.40% 4.15% 3.40%
Click here for additional CD Specials - Limited Time Offer.

Discover the CNB difference.

As the only local, full-service, community-owned financial institution in the Greater Rochester Area, CNB is investing in you, your business, and your community through our products, personal service, technology, and community support. We offer competitive banking solutions and personalized service that build long-lasting relationships.

1Annual Percentage Yield (APY) offered to accounts opened April 17, 2024 - May 21, 2024. Minimum to open the account and obtain APY is $500. Advertised APY assumes that the principal and interest will remain on deposit for the entire term. Penalty may be imposed for early withdrawal. 2Interest that is not compounded cannot remain on deposit and payout of interest is mandatory.
The Optimum Checking Account offers additional benefits and discounts.