Why CDs Are Smarter Than You Think

November 24, 2025

You’ve likely heard about the basics of CDs — like guaranteed returns — but did you know they offer some pretty smart advantages that often go unnoticed? Here are four perks that make opening up a CD a powerful part of your savings toolkit.

1. FDIC-Insured Security for Peace of Mind

When you invest in a CD at M&T Bank, your money is protected up to FDIC limits, so you’re shielded even if the unlikely happens to the institution. This means your deposit is safe, letting you focus on your goals without worrying about market swings.

2. Flexible Maturity Options You Can Match to Your Goals

Want to save for a goal that’s months — or even years — away? CDs let you pick maturity terms that fit your timeline. Whether you’re targeting a home renovation, graduation, or a vacation, there’s a CD term that aligns with your plan.

Want to save for multiple goals at once? Pair a CD with an M&T Relationship Savings Account for more flexible access to part of your funds while the rest earns at a fixed CD rate.

3. Low to No Monthly Fees: Grow Without Hidden Costs

Unlike other accounts, CDs generally don’t charge monthly maintenance fees. That means your savings grow without getting whittled away by hidden costs. Consider it a “set-and-forget” entry to low-cost saving.

4. Build a CD Ladder for Access and Earnings

A CD ladder combines multiple CDs with staggered maturity dates, giving you both accessibility and better earning potential. As one CD matures, you can either reinvest it or use the funds — keeping your strategy both flexible and growth-focused.

Use the M&T Savings Calculator to see how your ladder could grow—and how much interest you could earn.

Is a CD Right for You?

An M&T Bank CD could be a good fit if you:

  • Want FDIC-insured protection for your deposit
  • Have a specific savings goal and timeline
  • Prefer no monthly maintenance fees
  • Appreciate the flexibility of periodic access that a CD ladder offers

Ready to Tap Into These CD Perks?

Let your money work smarter and do it with confidence.

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For educational purposes only. Always consult a qualified professional about your personal situation.
A CD (a Certificate of Deposit) is sometimes called a Time Deposit.