Skip to Content
Close Icon

13-Month CD

You’re focused on small joys & big achievements. We’re focused on you.


Boost your savings with our new 13-Month Certificate of Deposit and IRA special.

 

3.25% APY*

Ask us about CD laddering, a smart strategy that offers higher returns. Use our latest 13-Month CD, along with our other competitive specials, and divide your investment to optimize your return.

Our team is here to help. Schedule your appointment or give us a call we will build a customized plan that’s right for you!

 


*The Annual Percentage Yield (APY) on this Certificate of Deposit and Individual Retirement Account is effective and accurate as of December 19, 2025 and is for a limited time only. Minimum to earn the stated APY and minimum to open this special is $1000.00. Fees could reduce the earnings on this account and a penalty may be imposed for early withdrawal of funds. This offer is for personal and business accounts and IRAs (no SCM accounts) and will renew as a 13-month CD and the current board rate will apply. This offer is for a limited time only and subject to change without notice.


Invest in your future.


Smart investing requires looking down the road to see what current investments will be worth. This calculator uses investment value, time period, interest rate and compounding period to calculate what your investment today will look like in the future.

 

We're happy to help

Customer Support

lost or stolen card

Notify us if you believe your card is lost or stolen.

Can't find your card?

online issues

Contact our customer service team for assistance with Online Banking.

Get support

locations & hours

Find your nearest C&F Bank location.

Find an open location

fraud prevention

Protect yourself against becoming a victim of fraud.

Stay informed

talk to us

Provide your feedback! We would love to hear about your experiences with C&F!

Your feedback matters
You are now leaving Citizens and Farmers Bank
Continue