Certificates of Deposits
Choose the rate and term that’s best for your savings objectives with American National Bank of DeKalb’s wide variety of CDs! We offer terms from three months to five years — with an interest rate that’s locked in for the duration of the deposit.
| Minimum Opening Deposit | $2,500 for less than 12 months and $1,000 for 12 months and longer |
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| Interest Rate | Fixed for the term of the CD. Specific rate depends on the term and principal amount of the deposit. Interest is calculated daily and compounded monthly, quarterly, semi-annually, or annualy. |
| Interest Payment | The interest may be reinvested, credited to an American National Bank checking, savings or money market account, or paid to customer by check. Interest may be paid monthly, quarterly, semi-annually, annually or at maturity, depending on the term and time deposit selected. |
| Maturity | 91 days, 182 days, 1 year, 1.5 years, 2 years, 3 years, 4 years and 5 years American National Bank of DeKalb County occasionally offers special term CDs. |
| Automatic Renewal | Deposits are automatically renewable A 10 day grace period for withdrawal or deposit with penalty at time of renewal |
| Early Withdrawal | Subject to substantial penalty |
| Statements | 1099 interest statement is issued each year. |
