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Cogent Bank

Learn more about CDs

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Earn a high rate of interest without any of the guesswork involved. A Cogent Bank certificate of deposit (CD) is an investment you can count on. Take advantage of fixed rates so you always know the return you're getting.

  • Set aside for future savings goals
  • Competitive, fixed rate for length of term
  • Greater earnings than standard savings
  • Receive higher rates by selecting a longer term
  • A wide range of terms available (from 7 days to 5 years)
  • Convenient automatic renewal
  • Penalty for early withdrawal
  • FDIC insured up to $250,000

New 9 Month Freedom CD


Our new 9-month Freedom CD provides customers with the flexibility and convenience to make both deposits and withdrawals without penalty, when certain requirements are met.  It provides a competitive rate and automatically renews upon maturity. 

Key Account Details

  • The Freedom CD is a 9 month certificate of deposit
  • Clients can add funds to the CD at any time
  • Clients can withdraw funds once per month with no early withdrawal penalty1
  • Clients will earn a fixed interest rate for the term of the CD
  • Interest is accrued daily and credited quarterly
  • Interest can be credited back to the certificate of deposit or credited to another Cogent Bank account
  • $25,000 minimum deposit required

Convenient Online Access

  • Online Banking, Mobile Banking, and Telephone Banking access is available

1One (1) penalty free withdrawal of principal per calendar month is permitted; the withdrawal must be for at least $1,000; the account must be opened (or renewed) for at least 7 days; no previous withdrawal may have occurred in the last 30 days; the withdrawal must be deposited into a checking account with our bank. 


For more information please fill out our Contact Form:

Contact Cogent

or contact your local Relationship Manager

Relationship Management Team