Bank · FDIC insured
Bath State Bank CD Rates
Bath State Bank’s best CD rate is 3.85% APY on a 9-month CD. Terms run from 3 months to 6 years. Rates checked October 15, 2026.
How Bath State Bank’s CD rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Bath State Bank has the most branches. $10,000, best rate first.
This bank’s best
Bath State Bank
3.85%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $287
Certificate of Deposit
Top rate
Peoples Exchange Bank
4.50%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $488
2nd-highest rate
Community Savings Bank
4.50%APY
- Term
- 36 months
- Minimum
- $5,000
- Earns on $10,000
- $1,412
Bath State Bank CD score
80
CD score
Higher than 51% of U.S. banks and credit unions
- 3–8 months3–8 mo0.12%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.85%
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 Bath State Bank 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 3.85%APY · 12 terms
Minimum deposit $500. Penalties apply for early withdrawal.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $100,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 0.04% | 0.06% | 0.08% | 0.06%0.04% $500–$10k0.08% $50k–$100k | $1 |
| 6 months | 0.10% | 0.12% | 0.14% | 0.12%0.10% $500–$10k0.14% $50k–$100k | $6 |
| 9 monthsSpecial 9-month rate | 3.85% | 3.85% | 3.85% | 3.85%3.85% $500–$10k3.85% $50k–$100k | $287 |
| 12 monthsSpecial 12-month rate | 3.25% | 3.25% | 3.25% | 3.25%3.25% $500–$10k3.25% $50k–$100k | $325 |
| 15 monthsSpecial 15-month rate | 3.75% | 3.75% | 3.75% | 3.75%3.75% $500–$10k3.75% $50k–$100k | $471 |
| 18 monthsSpecial 18-month rate | 3.80% | 3.80% | 3.80% | 3.80%3.80% $500–$10k3.80% $50k–$100k | $575 |
| 24 months | 0.32% | 0.32% | 0.32% | 0.32%0.32% $500–$10k0.32% $50k–$100k | $64 |
| 36 monthsSpecial 36-month rate | 3.00% | 3.00% | 3.00% | 3.00%3.00% $500–$10k3.00% $50k–$100k | $927 |
| 48 months | 0.42% | 0.42% | 0.42% | 0.42%0.42% $500–$10k0.42% $50k–$100k | $169 |
| 54 months | 0.45% | 0.45% | 0.45% | 0.45%0.45% $500–$10k0.45% $50k–$100k | $204 |
| 60 months | 0.53% | 0.53% | 0.53% | 0.53%0.53% $500–$10k0.53% $50k–$100k | $268 |
| 72 months | 0.55% | 0.56% | 0.57% | 0.56%0.55% $500–$10k0.57% $50k–$100k | $341 |
Sources (2)
All captured Oct 5, 2026
Market Max CD
Up to 3.80%APY · 8 terms
Minimum $150,000 household deposits. Minimum CD deposit $10,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsHousehold deposit balance applies | 0.19% | — |
| 12 monthsHousehold deposit balance applies | 3.25% | — |
| 18 monthsHousehold deposit balance applies | 3.80% | — |
| 24 monthsHousehold deposit balance applies | 0.36% | — |
| 36 monthsHousehold deposit balance applies | 3.00% | — |
| 48 monthsHousehold deposit balance applies | 0.46% | — |
| 60 monthsHousehold deposit balance applies | 0.57% | — |
| 72 monthsHousehold deposit balance applies | 0.63% | — |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate of Deposit
2.00%APY · 1 term
Minimum opening deposit $50. Variable 18-month term adjusts Feb/May/Aug/Nov.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsVariable rate adjusts on 1st day of February, May, August, November | 2.00% | $301 |
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.