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 Initial Deposit $1,000
Deposit Term
  • 12 months
  • 18 months
  • 2 years
  • 3 years
  • 4 years
  • 5 years
APY (Annual Percentage Yield) 0.25%

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?

  • IRA
  • Traditional

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

M&T Bank CD offers an APY of 0.25% (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
APY (Annual Percentage Yield) 0.25%
APY Type Fixed APY
3-Month APY N/A
6-Month APY N/A
11-Month APY N/A
12-Month APY 0.25%
2-Year APY 0.25%
3-Year APY N/A
4-Year APY N/A
5-Year APY N/A
7-Year APY N/A

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 Bank does not charge an early withdrawal fee.

M&T Bank CD Fees
Annual Fee N/A
Transfer Fee N/A
Rollover Fee N/A
Early Withdrawal Fee Amount N/A
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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.


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

Feature Breakdown

Minimum Initial Deposit $1,000
Grace Period for Account Changes 10 days
2-Year APY 0.25%
12-Month APY 0.25%
APY (Annual Percentage Yield) 0.25%
CD Accounts
  • IRA
  • Traditional

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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.