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Certificates of Deposit

  • A variety of terms ranging from 6 to 60 months makes it easy to meet your investment needs. Ask your relationship banker at Adams Bank & Trust how to ladder your certificates so that you get the maximum returns with the most flexibility. Our specialty certificates are listed below.
    • 30 Month Upgrade CD - add money and increase your rate up to two times during your 30-month term
    • A substantial penalty may be imposed for early withdrawal on all Adams Bank & Trust CDs


  • Enjoy the convenience of one rate, one statement, one bank. Your money will receive multi-million dollar FDIC insurance.
    • Community Investment - your money can support lending opportunities in your local community
    • CD Level Rates - returns that compare favorably to alternative investments, including treasuries, corporate sweeps, and money market funds
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