Our Certificates of Deposits offer guaranteed yields, flexibility, and the safety of FDIC insurance. That's because you lock in a high yield that's guaranteed from the day you open the account until the day it matures. You know exactly what return you'll get and when you'll get it.

Your investment is safe because Hawthorn Bank CDs are backed by the Federal Deposit Insurance Corporation for up to $250,000 per individual - making them as safe as any investment in the world.

We offer Certificates of Deposit in a broad range of maturities, each designed with a particular goal in mind. Automatically renewing CD's allow a 10 day grace period after the maturity date for withdrawals, additions to the CD, or changes in term without penalty. And, for as little as $1,000, you can open your own CD.

To help you decide which CD will best meet your needs, take our One-Minute Certificate of Deposit Test. Then, talk to one of our Personal Banking Officers at the Hawthorn Bank located near you for interest rates and other important information concerning our Certificates of Deposit.

Short-Term CDs. Short term savings certificates, usually up to 3 months, offer you the fastest, readiest access to your money.

Medium-Term CDs. Our 91 day to 18 month medium-term CDs offer you higher yields than shorter term CDs.

Long-Term CDs. If you have a long-term outlook, our CDs with maturities of 2 to 10 years reward you with the highest yields we have to offer.

With our No Limit CD's program through the Certificate of Deposit Account Registry Service(CDARSSM), large deposits can now be placed by Hawthorn Bank into smaller denomination CD's at multiple institutions.

This service can offer you significant benefits: