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Business CDs and CDARS

Certificate of Deposit (CD)

When you open a certificate of deposit at American National Bank of Texas, you can maximize your earnings. A commercial CD is available to all businesses that want their money to earn a higher fixed interest rate for a safe, set period of time. Our rates are competitive, and terms are variable to meet your needs. Account balances can be used as collateral on loans, and commercial CDs offer convenience through auto-renewal.1

Certificate of Deposit Account Registry Service (CDARS)

With CDARS from ANBTX, you can access FDIC protection on multi-million dollar CD investments. ANBTX is proud to be part of a larger network of financial institutions, allowing you to receive coverage from many banks while working with just one. CDARS can be a valuable cash management or longer-term investment tool for your business.2

With help from CDARS, you can enjoy:

  • Safety – Your money can access multi-million dollar FDIC insurance coverage.
  • Convenience – You earn one interest rate and receive one regular statement and one year-end tax form by working directly with us.
  • Community investment – The full value of your money can support lending opportunities in your local community.3
  • CD-Level Rates – Your money earns CD-level returns which may compare favorably with other investment alternatives, including Treasuries, corporate sweep accounts, and money market funds.

1Minimum balance may be required to open CDs. Other restrictions may apply. Penalty for early withdrawals.
2Funds may be submitted for placement only after a depositor enters into the CDARS Deposit Placement Agreement with American National Bank.  The agreement contains important information and conditions regarding the placement of funds by us. 
3This benefit applies to some, but not all types of CDARS transactions.  Let us know if this benefit is important to you, so that we can explain the relevant terms and conditions in more detail.
CDARS is a registered service mark of Promontory Interfinancial Network, LLC.

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