Bank · FDIC insured
Bank of Buffalo CD Rates
Bank of Buffalo’s best CD rate is 4.60% APY on a 13-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Bank of Buffalo’s CD rates compare
Compared with banks and credit unions near Elizabethtown, KY, where Bank of Buffalo has the most branches. $10,000, best rate first.
This bank’s best
Bank of Buffalo
4.60%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $499
Certificate of Deposit
Top rate
Lincoln National Bank
4.65%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $505
3rd-highest rate
Abound Credit Union
4.50%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $566
Bank of Buffalo CD score
92
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo0.20%
- 9–15 months9–15 mo4.60%
- 16–30 months16–30 mo4.38%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.60%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Bank of Buffalo ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.60%APY · 11 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.10% | $2 |
| 6 months | 0.20% | $10 |
| 9 months | 4.00% | $299 |
| 12 months | 0.40% | $40 |
| 13 months | 4.60% | $499 |
| 18 months | 0.40% | $60 |
| 19 months | 4.38% | $702 |
| 24 months | 3.75% | $764 |
| 36 months | 3.50% | $1,087 |
| 48 months | 0.60% | $242 |
| 60 months | 3.25% | $1,734 |
Sources (1)
- thebankofbuffalo.com/banking/cds-and-iras · captured Oct 15, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.60%APY · 11 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.10% | $2 |
| 6 months | 0.20% | $10 |
| 9 months | 4.00% | $299 |
| 12 months | 0.40% | $40 |
| 13 months | 4.60% | $499 |
| 18 months | 0.40% | $60 |
| 19 months | 4.38% | $702 |
| 24 months | 3.75% | $764 |
| 36 months | 3.50% | $1,087 |
| 48 months | 0.60% | $242 |
| 60 months | 3.25% | $1,734 |
Sources (1)
- thebankofbuffalo.com/banking/cds-and-iras · captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.