CD Promo, 15 month and 30 month


*$500 minimum opening deposit. CD must be opened with new money or monies not held at SMBT. Annual Percentage Yield (APY) is accurate as of 7/28/22. Product offering may be withdrawn at any time. A penalty will be imposed for early withdrawal. 15 Month CD automatically renews to the 12 Month rate, and 30 Month CD automatically renews to the 24 Month rate, unless otherwise directed.

Certificates of
Deposit (CD)
  • Balance to open: $500
  • Terms of deposit: 1-60 months
  • Step Up Feature:
    • Option to increase your rate at any time if our current rate improves for an equivalent CD term
    • Feature available only once during the life of the CD
IRAs: Savings Account
  • Balance to open Fixed IRA: $500
  • Terms of 1-60 months
  • Taxes may be deferred on interest earned
  • Contributions may be tax deductible dependent on the account type
    • Consult your trusted tax adviser for details
  • Step Up Feature:
    • Option to increase your rate at any time if our current rate improves for an equivalent IRA term
    • Feature available only once during the life of the IRA




















Ask a New Account Representative for current interest rates.  Interest rates are subject to change.


 If you are managing high balances or a complex financial portfolio, consider contacting our Wealth Management department.