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A smart step in any financial plan is saving...whether it's for emergencies, a long-term goal, or simply a rainy day. Our CDs offer a wide range of investment terms with a minimal investment amount required to open. We'll help you achieve that goal you're saving for.

All terms and conditions are subject to change. Full account disclosure, in accordance with the Truth in Savings Act, is available upon request.

Certificate of Deposit (CD)

  • Funds invested for a specific term; no additional deposits are permitted.
  • Terms: 8-31 and 32-90 days; 6, 12, 18, 24, 30, 36, 48, and 60 months.
  • Fixed rate of interest earned with compounding and crediting based upon CD term and balance.
  • Depending on CD term and balance, interest may be automatically deposited into another ACNB Bank checking or statement savings account, credited to the CD, or paid by check.
  • $1,000 minimum investment for CD with 8-day to 90-day terms.
  • $500 minimum investment for CD with 6-month term or longer.
  • CDs are automatically renewable and subject to a penalty for early withdrawal.


CDARS - Certificate of Deposit Account Registry Service

With CDARS, you can access FDIC protection into the multi-millions on CD investments through ACNB Bank. There are few guarantees in life - FDIC insurance is one of them. CDARS can be a valuable cash management or long-term investment tool for you.*


It's one-stop shopping. With help from CDARS, you can enjoy: 
Safety - Your money can access multi-million dollar FDIC insurance coverage. 
Convenience - You work directly with us. You earn one interest rate and receive one regular statement, and one year-end tax form. 
Competitive Rates - Your money earns competitive rates which may compare favorably with other investment alternatives, including Treasuries, corporate sweep accounts, and money market funds.

How does CDARS work?

We are a member of a special network. When you place a large amount of funds with us, we place your funds into CDs issued by other organizations in the same network - in increments of less than $250,000 - so that both principal and interest are eligible for complete FDIC protection.

What else should I know?

Now, you no longer have to spend time managing multiple bank relationships, administering various interest rates, organizing interest disbursements from various sources, or manually consolidating monthly statements. Your administrative burden is significantly reduced, especially during tax and financial reporting seasons.

And with CDARS, if you manage public funds, you can eliminate the need to monitor changing collateral values - another time-saving convenience.

Of course, your confidential account information remains protected.

For more information, email us or call toll free 1.888.334.ACNB (2262).

* Funds may be submitted for placement only after a depositor enters into the CDARS Deposit Placement Agreement with ACNB Bank. The agreement contains important information and conditions regarding the placement of funds by us.

Member FDIC