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Learn more about CD's and Money Market Accounts

What is a CD Rate?

A savings account that holds a fixed amount of money for a fixed period of time, such as six months, one year, or five years, and in exchange, Sonata pays you interest. When you cash in or redeem your CD, you receive the money you originally invested plus any interest.

Certificates of Deposit (CDs) |

What is a Money Market Account?

An account, available through banks and credit unions and insured by the FDIC or NCUA up to $250,000 per owner, typically offers higher interest rates compared to standard savings accounts but imposes restrictions on check, debit card, and electronic transactions, although withdrawals via ATM or in-person are often unlimited. Some money market accounts may have a minimum deposit requirement. It's advisable to verify FDIC or NCUA insurance coverage for multiple accounts with the same institution.

What is a money market account? | Consumer Financial Protection Bureau (

Which Option is Right for You?

CD or Money Market

When deciding between money market accounts and certificates of deposits (CDs), it's essential to consider your financial goals and risk tolerance. Money market accounts offer liquidity and typically have higher interest rates than traditional savings accounts, making them ideal for short-term savings goals or emergency funds. CDs usually offer higher interest rates but require locking in your funds for a specified period, making them suitable for those with a longer investment horizon and a willingness to sacrifice liquidity for potentially higher returns. Whether you're a conservative saver looking for a secure investment or a more adventurous investor seeking higher returns, we have tailored rates to match your requirements.

So, what are you waiting for?

Unlock financial stability with a Certificate of Deposit or Money Market Account. Give us as a call at Brentwood: 833-766-2821 or Sebree: 270-826-7402 or open your account online now!

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*Annual Percentage Yield (APY) is accurate as of 2/2/2024 and applies to the initial term of a new 12-month CD Special. The minimum balance required to open a 12-month CD Special and receive the stated rate is $2,500. Offer is subject to change without notice. Alternative lengths of terms are not allowed. Fees could reduce earnings on the account. A penalty may be imposed for early withdrawal of principal, and any early withdrawal (principal or interest) will reduce earnings. Additional restrictions may apply. Ask your local banking center customer service representative for details.

**The APY (annual percentage yield) is accurate as of 2/2/2024 here. Rates are subject to change before and after account opening. The minimum balance required to obtain the advertised annual percentage yield is $100,000. This is a tiered rate account. Balances of $1,000,000 and greater earn 5.25% APY; balances between $500,000 and $999,999.99 earn 4.75% APY; balances between $300,000 and $499,999.99 earn 4.50% APY; balances between $100,000 and $299,999.99 earn 4.50% APY; balances between $25,000 and $99,999.99 earn 3.00% APY; balances between $10,000 and $24,999.99 earn 1.40% APY; balances less than $10,000 earn 1.40% APY. Interest is compounded and credited on a monthly basis. You will not receive the accrued interest if you close your account before interest is credited. You must maintain a minimum daily balance of $2,500 in the account to avoid an $8 monthly service charge. All accounts are subject to applicable terms, fees, and charges. Terms, fees, and charges for accounts are subject to change. Fees could reduce the earnings on the account. Offer is subject to change without notice.