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Certificate of Deposit

Savings on your terms

Looking for a secure way to grow your cash savings? Certificates of Deposit (CDs) can help you reach your short-term or long-term savings goals with guaranteed rates of return.

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Open in Person

Take advantage of our special CD rates

3.49% APY
3-month CD1

A $1,000 deposit required to open and earn the promotional Annual Percentage Yield (APY).1

3.85% APY
8-month CD1

A $1,000 deposit required to open and earn the promotional Annual Percentage Yield (APY).1

3.49% APY
11-month CD1

A $1,000 deposit required to open and earn the promotional Annual Percentage Yield (APY).1

Begin Application

The features and benefits of a Certificate of Deposit

 

Flexible terms

Save on your schedule with flexible terms from 7 days to 7 years.

 

Interest options

Maximize your interest by choosing monthly or annual compounding.
 

No monthly service charge

No monthly charge keeps money in your wallet.
 

Low balance requirements

Start earning interest immediately on balances as low as $1,000.

 

Risk protected

Your interest rate won't change for the duration of the term, allowing you to save more without risk.
 

Convenient maturity options

When your CD matures, you can choose to rollover into a new CD, cash out, or convert to another account type.

Have questions?
Please reach out.

If you'd like to speak to a Hancock Whitney banker, fill out the form and we'll get back to you promptly.

1Certificate of Deposit Terms and Conditions: $1,000 deposit required to open and earn the promotional Annual Percentage Yield (APY). The APY indicates the total amount of interest you could earn on a deposit account for one year, assuming you will not deposit or withdraw funds for the entire year and all interest will remain on deposit until maturity. As a result, your account's actual APY may vary. Other rates and terms are available. Withdrawals before maturity may incur significant penalties. Fees may reduce earnings. There is a 10-calendar day grace period for withdrawals after maturity before automatic renewal. After that, if no action is taken, CD will automatically renew at same term and at that day’s interest rate. Refer to the Certificate of Deposit Account Truth in Savings Disclosure for other applicable fees and information.

The current rates listed are effective as of 2/28/2025 and subject to change at the Bank's discretion at any time without notice before the account is opened.