Save More. Worry Less with our Money Market Special


To start earning higher rates for a limited time.
Minimum to open $2,500

Our new Money Market Special offers the most competitive rates around.
Rates guaranteed from June 17, 2019, to November 29, 2019.

Minimum Deposit APY*
$2,500 – $24,999.99 1.29%
$25,000 – $49,999.99 1.59%
$50,000 – $99,999.99 1.99%
$100,000+ 2.09%

So what are you waiting for?

Save more.  Worry less.  Starting today.







Visit one of our branches to open your new Money Market Account or call 833.ASK.CBAT (833.275.2228) for details.

*Annual Percentage Yields (APYs) are accurate as of June 17, 2019, to November 29, 2019. These APYs are variable rates and subject to change after November 29, 2019. Interest is compounded daily and credited to money market account monthly. If accounts drop below the minimum balance of $2,500, a $5 monthly maintenance fee will be imposed. Federal regulation limits the number of transactions to six. During any month, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer or by check, draft, debit card or similar order to a third party. For each withdrawal or transfer in excess of six, a $5 fee will be assessed. Exceptions to this are transactions or withdrawals made by mail, messenger, ATM or in person. Fees may reduce earnings. Open to new and existing customers, consumer or business, with new funds. “New funds” are defined as funds that did not originate from other Carter Bank & Trust accounts.


Look no Further Attention-getter CD Specials

At Carter Bank & Trust, we do things differently. Take a look at our fine print to see how we put our customers first with terms that make banking with us a pleasure. Our  CD specials are just one of the many ways we’ll show you that we want to be your Lifetime Financial Partner.

Limited-time offer.  Rates accurate as of June 17, 2019.

Call or visit one of our 100+ conveniently located branches throughout Virginia and North Carolina to learn more. 

With a direct deposit to a new consumer checking accounts*

2.65% APY**
30-Month Term
Minimum Balance to open $2,500


With the opening of a new CD account only

2.50% APY**
30-Month Term
Minimum Balance of $2,500 to open

Limited-time offer
Rates accurate as of June 17, 2019

*For new consumer customers, to earn 2.65% APY, the opening of a checking account with direct deposits is required. Minimum balance to open a checking account may vary based on type of checking account.  If the direct deposit is not in place within 60 days, the rate will drop to 2.50% until maturity. If the checking account is closed and/or the direct deposit is no longer in place during the term of CD, the rate will drop to 2.50% at that time until maturity. For existing customers, having or opening a checking account, regardless if there is a direct deposit, is required. New or existing commercial and nonprofit customers are  are eligible for 2.50% APY. IRA and money market accounts are ineligible.
**Annual Percentage Yield (APY) assumes principal and interest remain on deposit until maturity.  Interest is compounded daily and may be credited to CD monthly or quarterly. Penalty for early withdrawal will be imposed. Fees may reduce earnings.