Certificates of Deposit & CDARS®

Certificates of Deposit

Certificates of Deposit

A Certificate of Deposit (CD) is a safe investment tool that offers great fixed or variable rates by securing your money for a predetermined term.  We offer a variety of terms ranging from 30 days to 5 years.  The interest rate will correspond to the length of time you choose. Rest assured that First National Bank of Giddings has some of the most competitive rates around. 

Among the features of our CDs:

  • Minimum balance requirement of $1,000.00 to open
  • Guaranteed interest rate based on certificate term
  • Automatically renewable
  • Various interest payment plans

To get our current rates, please contact one of our New Account Representatives at 979-542-1200.

* Please note that there may be a penalty for early withdrawal.



CDARS® (Certificate of Deposit Account Registry Service):


Through the CDARS® service, First National Bank of Giddings can provide you with easy access to multi - million dollar FDIC protection on its CD investments.

How You Benefit from CDARS:

  • Full Insurance – Using the CDARS® service, you can access up to $50 million in FDIC protection on CD investments*
  • One Bank 
  • One Statement
  • No Fees
  • No Collateralization
  • A wide variety of Maturities

To see a video of how the program works, click here to be directed to the CDARS® website. Once there, click on the video in the middle of the page.

For more information about CDARS® or to get started:

  • Please contact your First National Bank of Giddings banker, or
  • Call Marcy Kanevsky (979.542.1745) or Oranell Dunk (979.542.7287) or
  • Click here or the button below to e-mail Marcy Kanevsky


*Funds may be submitted for placement only after a depositor enters into a CDARS Deposit Placement Agreement with us.