Personal CDs and IRAs

Let’s fund your future today.

There’s no time like the present to start planning for the future. Whether you are looking for a structured savings tool with a competitive rate, setting aside money for your child’s education or saving for your own retirement, NDBT offers a wide variety of Certificate of Deposit (CD) and Individual Retirement Account (IRA) products to help you achieve your goal.

NDBT banker shaking hands with customer in Frisco banking center lobby

Personal CDs and IRAs

Let’s fund your future today.

There’s no time like the present to start planning for the future. Whether you are looking for a structured savings tool with a competitive rate, setting aside money for your child’s education or saving for your own retirement, NDBT offers a wide variety of Certificate of Deposit (CD) and Individual Retirement Account (IRA) products to help you achieve your goal.

Now Available

*Annual Percentage Yield (APY). Minimum balance to earn the advertised APY is $1,000. Offer valid for a limited time. The APY is accurate as of 12/18/2023 and applies only to the initial 6 month term. Early withdrawal penalties apply. Withdrawal of interest reduces earnings. At maturity, CD will automatically renew to a 6 month term at the prevailing rate. Member FDIC. For more information, contact us at 972.716.7100

Graphic promoting 6-month cd special

And Take Advantage of Current Longer Term CD Rates!

12 months at 4.25% APY*
18 months at 4.00% APY*
24 months at 3.75% APY*

*Annual Percentage Yield (APY). Minimum balance to earn the advertised APY is $1,000.

Click Here for More Information

Certificate of Deposit (CD)

A Certificate of Deposit (CD) is an excellent savings option that rewards your patience with a higher interest rate and steady growth. Choose your term and amount and watch your savings grow – all while enjoying the peace of mind that comes with FDIC insurance.1

  • Please contact us for current rates.
  • FlexRate CDs allow you to take advantage of potential rate increases.
  • CD terms range from 6 months to 5 years.
  • Your interest earnings can be added to your CD or be paid directly to you.
  • Early withdrawal penalties apply.

Secure Your High Dollar Deposits Through the IntraFi Network

Individual Retirement Account (IRA)

An Individual Retirement Account (IRA) is another effective savings tool that allows you to make contributions to your own tax-sheltered retirement account.

  • Traditional and Roth IRAs offer unique benefits and tax advantages.2
  • IRAs terms from 6 months to 5 years.
  • Our 60-month FlexRate IRA enables you to make the most of possible rate increases.

1 FDIC insurance is subject to current FDIC guidelines.
2 Please consult your tax advisor to determine which IRA product is right for you

Get More Info

For more information, please call Customer Service at 972.716.7100 or visit one of our banking centers.

We look forward to helping you on the path towards a more prosperous tomorrow.

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