CD landing Page

CERTIFICATES OF DEPOSIT (CD)

A secure and stable way to grow your savings.A variety of terms ranging from 6 to 60 months makes it easy to meet your investment needs. A CD is a savings product that provides a fixed interest rate in exchange for a commitment to leave your money deposited for a specified period.CONTACT US

WHY CONSIDER OPENING A CD?

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SECURITY

Certificates of deposit are FDIC insured up to applicable limits.

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STABILITY

Interest rates are fixed for the entire term of the CD. No need to worry about market shifts.

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COMPETITIVE INTEREST

If you’re planning to save your money long term, CDs offer more attractive rates than traditional savings accounts.

Upgrade Cd

30-Month Upgrade CD
Eliminate the What-If

CURRENT RATESUPGRADE YOUR RATE TWICE DURING THE 30-MONTH TERM†
Our 30-Month Upgrade CD offers the flexibility to adjust your interest rate twice during the 30-month term so that you can take advantage of market changes.
ADD FUNDS TO YOUR CD WHEN YOU UPGRADE†
With our 30-Month Upgrade CD, you can make additional deposits of at least $500 when you choose to upgrade your interest rate.

CDARS

Enjoy the convenience of one rate, one statement, one bank. With CDARS (pronounced CEDARS), your money will receive multi-million dollar FDIC insurance. This savings option is particularly useful for personal, business, or institutional depositors who need to safeguard high dollar amounts, while simplifying account management and maintaining FDIC insurance coverage beyond standard limits.
Protect your deposits that are over $250,000 up to $50 million through a single banking relationship.
Find a Location

VISIT US

Stop by one of our branches near you to meet with a relationship banker or give us a call.PHONE: 800.422.3488VIEW BRANCHES
†You may elect to upgrade the interest rate on your certificate to our then current stated interest rate twice during the term of the Upgrade CD. After the interest rate upgrade, the new interest rate will apply to the entire balance on the deposit for the remainder of the term or until the next upgrade. Additional deposits of at least $500, not to exceed the original principal or renewal value, may be made at the time of interest rate upgrade. Early withdrawal penalty equal to six (6) months interest may apply. Product not available for Public Funds or Financial Institution Deposits

YOUR FOUNDATION FOR FINANCIAL SUCCESS

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You are navigating to an external website. Please be advised that you are leaving the Adams Bank & Trust website. Adams Bank & Trust does not control the content of third party websites and cannot guarantee the products and services provided on these websites are insured by any federal government agency.

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You are navigating to an external website. Please be advised that you are leaving the Adams Bank & Trust website. Adams Bank & Trust does not control the content of third party websites and cannot guarantee the products and services provided on these websites are insured by any federal government agency.

Investment Products are:

NOT FDIC INSURED • NOT A DEPOSIT OR OTHER OBLIGATION OF THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT GUARANTEED BY THE BANK • MAY LOSE VALUE

Routing Number 104113958

NMLS# 469371

800.422.3488

©2026Adams Bank & Trust

info@abtbank.com
PO Box 720 315 N Spruce St Ogallala, NE 69153

Navigating to External Website

You are navigating to an external website. Please be advised that you are leaving the Adams Bank & Trust website. Adams Bank & Trust does not control the content of third party websites and cannot guarantee the products and services provided on these websites are insured by any federal government agency.