Business Banking
Certificates of Deposit (CDs)
- Earn guaranteed high yields - typically higher than other savings options
- Steady, predictable returns
- Choose terms from 3 months to 5 years.
- Customize how your interest is paid - by check, direct transfer to your Bank of Smithtown account, or added to your CD's balance.
- Withdraw your credited interest without penalty.
- Convenient account access 24 hours a day, 7 days a week by telephone or Online Banking
- FDIC insured - "FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013."
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