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Request a one-time adjustment for a higher rate with a Raise My Rate CD!

Raise My Rate Certificate of Deposit*

This limited-time offer allows you to earn 1.60 APY^ and raise your rate once during the CD's term for a higher return. 


  • 3 Year Certificate (36 months)
  • Current interest rate of 1.59%* with a 1.60% APY^
  • One-time rate adjustment allowed during the term when initiated by member


  • Minimum deposit of $1,000
  • Also available for IRAs

New Special Certificates Also Available!

                                Term                                     Annual Percentage Yield (APY)   
23 months 1.40%^
34 months 1.75%^
48 months 1.90%^


  • Minimum deposit of $1,000
  • Also available for IRAs

Hurry in, as these special offers are available for a limited time.  We invite you to call or visit any TowneBank office soon to open your new CD!


Complete this form to have a hometown banker contact you with more information.

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*Raise My Rate CD: The interest rate on your account is 1.59% with an annual percentage yield of 1.60%. One time during the term of your account, at your election and upon our actual receipt of written notice from you, we will change the interest rate on your account to the interest rate we offer then on accounts of a similar term (36 months) for the remaining term of your account. Determination of Rate: The rate in effect on the renewal date. Frequency of Rate Changes: We can change the interest rate on your account every 36 months.

^Stated APYs (Annual Percentage Yields) are effective as of October 10, 2017. Minimum deposit of $1,000 is required to open and earn the stated APYs. Maximum deposit of $249,999 (per owner). Early withdrawal penalties apply.