Source: https://www.mtb.com/personal/savings-and-cds/certificates-of-deposit Read: 2026-10-22T04:48:22.000Z ZIP: 03801 ___ Skip to Main Content Skip to main content FDIC-Insured - Backed by the full faith and credit of the U.S. Government Search About M&T Bank Locations Help Center Español Visit mtb.com Personal Business Commercial Log In CheckingSavings & CDsMortgagesLoans & Lines of CreditCredit CardsInvestments & Retirement Certificate of Deposit M&T Preferred Money Market M&T Premium Savings Relationship Savings M&T Starter Savings Savings Calculator Library Certificate of Deposit (CD) START SAVING FOR WHAT MATTERS MOST Lock in a fixed interest rate with flexible terms to grow your savings, with as little as $1,000. 1 Showing results for ZIP code 03801. Change FEATURED CD RATE 18 MONTH SELECT Certificate of Deposit 4.00% APY Schedule an Appointment Requires a qualifying checking account. 1 2 M&T Select CDs Exclusive rates for customers with an eligible M&T checking account 6 MONTH M&T Select Certificate of Deposit 3.50% APY Lock in a great rate and watch your savings grow. Schedule an appointment Requires a qualifying checking account. 1 2 12 MONTH M&T Select Certificate of Deposit 3.00% APY Grow your savings even longer with this competitive CD rate. Schedule an appointment Requires a qualifying checking account. 1 2 18 MONTH M&T Select Certificate of Deposit 4.00% APY Make your money work longer—and smarter. Schedule an appointment Requires a qualifying checking account. 1 2 M&T CDs Fixed-rate savings with no checking relationship required 6 MONTH Certificate of Deposit 3.00% APY Lock in a great rate and watch your savings grow. Schedule An Appointment Does not require a checking or savings account relationship. 1 3 Note for maturing CDs: If your maturing CD is set to auto-renew, it will renew for the same term but at the current standard rate. The standard rate is different from the rates featured above. To be eligible for one of the above featured CDs, you must call or visit a branch to make a change to your account. Learn more > Features & benefits that give you peace of mind Setup is simple We take steps that make setting up a CD easy. Visit a branch near you today. Fixed Rates Lock in your rate--guaranteed for the term of your M&T CD. Flexible terms Choose from a wide range of terms from 32 days to 120 months. A low minimum requirement Open a CD with a minimum deposit of just $1,000 1, regardless of the term you select. FDIC-Insured All M&T CDs are FDIC-Insured, up to the maximum applicable limit. FAQs How do I open a CD? Can I close a CD Online? How is CD interest calculated? How will I know that my CD is near maturity? Can I add money to my CD once it has been opened? Can I get interest disbursements from my CD? Can I make changes to my CD at maturity? Is there a penalty for early withdrawal? Eligibility Requirements The minimum deposit required to open a CD account is $1,000 1 M&T Select CD accounts require a qualifying M&T Bank checking account to open 2 Other M&T CD accounts (from 32 days to 72 months) do not require a qualifying checking account or an existing M&T Bank relationship to open 3 Penalties Early withdrawal (for account terms greater than 364 days): $50 plus 182 days’ interest on the non-interest portion of the withdrawal computed, without compounding, at the interest rate in effect when the withdrawal is made if the terms of the account during which the withdrawal is made is more than 364 days. Early withdrawal (for account terms less than 365 days): $25 plus 91 days’ interest on the non-interest portion of the withdrawal computed, without compounding, at the interest rate in effect when the withdrawal is made if the term of the account during which the withdrawal is made is less than 365 days Featured M&T Certificates of Deposit (CDs) | Interest Rates | Annual Percentage Yield (APY) 1 6-Month CD3 | 2.96% | 3.00% 6-Month M&T Select CD2 | 3.44% | 3.50% 12-Month M&T Select CD2 | 2.96% | 3.00% 18-Month M&T Select CD2 | 3.92% | 4.00% Open a CD today SAVINGS SAVINGS Find a branch in your neighborhood and start savings today with an M&T CD. Schedule an Appointment Find a Branch Better financial habits are just a click away FINANCIAL EDUCATION Learn more on M&T's Financial Education Center Why Bank with M&T? We understand what's important. That's why we've built a banking experience with you in mind. CONTACT US 1-800-724-2440 Locations & ATMs Make an Appointment More ways to reach us ABOUT About M&T Careers Investor Relations Privacy & Preference Center Fraud & Security Search Facebook Instagram Twitter LinkedIn Equal Housing Lender © 2026 M&T Bank. Member FDIC. All rights reserved. Manage Cookies Sitemap Digital Services Agreement ESign Consent Terms of Use Disclosures: Disclosure reference d1025 The minimum deposit required to open the CD account is $1,000. The maximum deposit is $1,000,000 per account; or $750,000 if opened online per account. Please note that not all CD terms will be available when opened online. After the CD is opened, the minimum balance to obtain the advertised annual percentage yield “APY” is $1.00. Advertised APYs stated are accurate as of 07/30/2026 and these offers may change at any time. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Offer not available for non-personal accounts. Advertised APYs cannot be combined with any other offer. link back to first instance of disclosure callout d1025 Disclosure reference d1026 To open an M&T Select Time Deposit (CD), customer must have a MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking or Advantage Checking account or open a MyChoice Premium Checking account. link back to first instance of disclosure callout d1026 Disclosure reference d1191 The official name of this product is Automatically Renewable Regular Time Deposit, but a customer can cancel automatic renewal. link back to first instance of disclosure callout d1191 Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for details. Rates are subject to change without notice and vary by state and county. A CD (a Certificate of Deposit) is sometimes called a Time Deposit.