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Personal Banking \ Certificates of Deposit

Certificate of Deposit Products

Certificates of Deposit Certificate of Deposit Account Registry Service (CDARS)
A variety of terms ranging from 1 to 60 months makes it easy to meet your investment needs Safety - Your money can receive up to $50 million FDIC insurance
Our 30 month Upgrade CD lets you add money and increase your rates up to two times during your 30-month term.

Convenience -

          One rate.

          One Statement.

          One Bank.
Our Health Access Certificate gives you the higher return with no penalty if you need it for medical emergencies

Community Investment

          The full value of your money can support lending            

          opportunities in your local community

Ask your personal banker at Adams Bank & Trust how to ladder your certificates so that you get the maximum returns with the most flexibility.

A substantial penalty may be imposed for early withdrawal on all Adams Bank & Trust Certificates of Deposit

CD Level Rates

          CD returns that compare favorably to alternative investments,

          including Treasuries, corporate sweeps, and money market

          funds