Florida CD rates › Banks › Manufacturers and Traders Trust Company
Bank · HQ Buffalo, NY
✓ Verified 2026-10-01 from their own posted rate sheet
Manufacturers and Traders Trust Company currently posts 4 CD rates from 3.00% to 3.85% APY. Their sheet states an effective date of Advertised APYs stated are accurate as of 07/30/2026.
| Term | APY | Minimum | Details |
|---|---|---|---|
| 6 mo | 3.00% | $1k | Interest rate 2.96%; does not require a checking or savings account relationship; $750,000 max if opened online |
| Term | APY | Minimum | The catch / conditions |
|---|---|---|---|
| 18 mo | 3.85% promo | $1k (cap $1M) | M&T Select Certificate of Deposit (18 Month Select, featured — Interest rate 3.78%; requires qualifying M&T checking account |
| 6 mo | 3.35% promo | $1k (cap $1M) | M&T Select Certificate of Deposit — Interest rate 3.30%; requires qualifying M&T checking account |
| 1 yr | 3.00% promo | $1k (cap $1M) | M&T Select Certificate of Deposit — Interest rate 2.96%; requires qualifying M&T checking account |
3 branches in 2 counties: Collier (Naples) · Palm Beach (North Palm Beach, Palm Beach)
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