M&T Bank CD

M&T Bank CD

in CD Accounts from M&T Bank · Member fdic


M&T Bank CD


in CD Accounts from M&T Bank · Member FDIC

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Minimum Opening Deposit Starting at $1,000
Deposit Term
  • 12 months
  • 2 years
  • 3 years
  • 4 years
  • 5 years
  • 18 months
  • 6 years
APY (Annual Percentage Yield) 0.05%

M&T Bank CD Review

M&T Bank CD is offered by M&T Bank, a bank founded in 1856 and based in Buffalo, NY. M&T Bank CD is available in 9 states (and Washington, DC).


Are cd accounts from M&T Bank federally insured?

Yes, your M&T Bank cd accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What types of CDs does M&T Bank offer?

  • Traditional
  • IRA

What APY does M&T Bank offer on its CDs?

M&T Bank CD offers an APY of 0.05% (APY stands for annual percentage yield, rates may change).

What types of terms does M&T Bank CD offer?

M&T Bank offers CD terms of the following lengths:
M&T Bank CD Rates & Terms
2-Year APY 0.05%
APY Type Fixed APY
12-Month APY 0.05%
APY (Annual Percentage Yield) 0.05%

What is the minimum deposit to open a CD account with M&T Bank?

M&T Bank CD requires a minimum initial deposit of $1,000 to open an account.

What types of early withdrawal penalties does M&T Bank CD charge?

Financial institutions don't typically charge many fees on certificate of deposit accounts. However, some do charge a fee if you chooose to withdrawal your money before the CD term ends.

M&T Bankcharges an early withdrawal fee of $25.

M&T Bank CD Fees
Early Withdrawal Fee Amount $25
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From M&T Bank

On September 1, 1997, Canadian tax franchisor UandR Tax Depot was acquired. In 1998, the company opened five offices in the U.S. and became Liberty Tax Service. Today, we have more than 3,000 Liberty Tax Service offices in the United States and Canada. For the 2018 tax year, we prepared more than 1.7 million individual tax returns. Our headquarters are located in Virginia Beach, Virginia. Our mission remains the same as when we first opened: offer the flexibility of a personal tax consultant and the security of a large, established company. We continue to provide our unique range of tax preparation services and expand our presence in the competitive personal income tax industry.

With four options to help simplify taxes for your family or your business, Liberty Tax Online has the right tax filing product to suit your unique needs. Import your info from a competitor for free. File taxes online in as little as 15 minutes. 100% Accuracy Guarantee Our online tax software gives you the most accurate return and the largest possible refund you’re entitled to.

CDs can help you earn while you save. Talk to an MandT Relationship Banker about our rate offers. Fixed or variable rate for the term of the CD – from 32 days to 72 months Accounts are FDIC-insured up to the maximum applicable limit.


Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 4:00pm
  • Tuesday 9:00am - 4:00pm
  • Wednesday 9:00am - 4:00pm
  • Thursday 9:00am - 4:00pm
  • Friday 9:00am - 4:00pm
  • Saturday Closed

Other Services by M&T Bank


  Available in 9 states and Washington, D.C.
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Maryland
  • New Jersey
  • New York
  • Pennsylvania
  • Virginia
  • West Virginia

Feature Breakdown

Minimum Opening Deposit Starting at $1,000
Grace Period for Account Changes 10 days
2-Year APY 0.05%
12-Month APY 0.05%
APY (Annual Percentage Yield) 0.05%
CD Accounts
  • Traditional
  • IRA

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