FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Due to essential repairs being made in the alley, the Downtown Drive-Thru will be CLOSED beginning Thursday, October 2nd. We anticipate that the repairs will take up to 2 weeks. The Downtown lobby will be open from 8:30AM to 5:30PM. Highway hours will remain the same.

Online Banking

Rates

Effective Date: 10/1/2025

Checking and Savings Accounts
Account Type* and Balance	Interest Rate	APY**
CBT Premier Checking
$2,500 - $9,999.99	0.36%	0.36%
$10,000 - $24,999.99	0.40%	0.40%
$25,000 +	0.45%	0.45%
CBT Health Savings
$.01 - $9,999.99	1.00%	1.00%
$10,000 - $24,999.99	1.15%	1.15%
$25,000 +	1.30%	1.31%
CBT Money Market
$5,000 - $14,999.99	0.75%	0.75%
$15,000 - $24,999.99	1.00%	1.00%
$25,000 - $74,999.99	1.50%	1.51%
$75,000 - $149,999.99	2.00%	2.02%
$150,000 - $249,999.99	2.50%	2.53%
$250,000 +	2.90%	2.94%
CBT Savings
$.01 - $9,999.99	0.66%	0.66%
$10,000 - $24,999.99	0.76%	0.76%
$25,000 +	0.80%	0.80%

Certificate of Deposit (CD) and Individual Retirement Account (IRA)
Account Type***	Interest Rate	APY**
6 Month CD or IRA
$500 - $19,999.99	3.72%	3.75%
$20,000 - $49,999.99	3.72%	3.75%
$50,000 +	3.72%	3.75%
12 Month CD or IRA
$500 - $19,999.99	3.75%	3.80%
$20,000 - $49,999.99	3.75%	3.80%
$50,000 +	3.75%	3.80%
24 Month CD or IRA
$500 - $19,999.99	3.46%	3.51%
$20,000 - $49,999.99	3.46%	3.51%
$50,000 +	3.46%	3.51%
36 Month CD or IRA
$500 - $19,999.99	3.46%	3.51%
$20,000 - $49,999.99	3.46%	3.51%
$50,000 +	3.46%	3.51%
48 Month CD or IRA
$500 - $19,999.99	3.60%	3.65%
$20,000 - $49,999.99	3.60%	3.65%
$50,000 +	3.60%	3.65%
60 Month CD or IRA
$500 - $19,999.99	3.70%	3.75%
$20,000 - $49,999.99	3.70%	3.75%
$50,000 +	3.70%	3.75%
36 Month Youth Saver CD
$100 - $19,999.99	3.46%	3.46%
$20,000 - $49,999.99	3.46%	3.46%
$50,000 +	3.46%	3.46%
48 Month Youth Saver CD
$100 - $19,999.99	3.60%	3.60%
$20,000 - $49,999.99	3.60%	3.60%
$50,000 +	3.60%	3.60%
60 Month Youth Saver CD
$100 - $19,999.99	3.70%	3.70%
$20,000 - $49,999.99	3.70%	3.70%
$50,000 +	3.70%	3.70%