Bank · FDIC insured
Central Bank CD Rates
Top CarrotCentral Bank’s best CD rate is 4.50% APY on a 5-year CD. Terms run from 1 month to 5 years. Rates checked October 15, 2026.
How Central Bank’s CD rates compare
Compared with banks and credit unions near Lexington, KY, where Central Bank has the most branches. $10,000, best rate first.
This bank’s best
Central Bank
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
Certificate of Deposit
Top rate
UK Credit Union
5.00%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $373
2nd-highest rate
Commonwealth Credit Union
5.00%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $1,025
Central Bank CD score
95
CD score
Higher than 97% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.38%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
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 Central 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 4.50%APY · 9 terms
Interest compounded daily and paid at least annually (unless otherwise designated). Automatically renews at maturity. Early withdrawal penalty applies. After opening, no additional deposits allowed until maturity.
| Term | APY · $500 and up | APY · $1,000 and up | APY · $2,500 and up | APY · $5,000 and up | APY · $20,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 1 month | — | — | — | — | 3.50% | —3.50% from $20k | — |
| 2 months | — | — | — | 3.00% | — | 3.00% | $26 |
| 3–5 months | — | — | 3.25% | — | — | 3.25% | $80 |
| 6–12 months | — | 3.50% | — | — | — | 3.50% | $173 |
| 12 months | 4.00% | — | — | — | — | 4.00% | $400 |
| 24 months | 4.25% | — | — | — | — | 4.25% | $868 |
| 36 months | 4.30% | — | — | — | — | 4.30% | $1,346 |
| 48 months | 4.35% | — | — | — | — | 4.35% | $1,857 |
| 60 months | 4.50% | — | — | — | — | 4.50% | $2,462 |
Sources (2)
All captured Oct 15, 2026
CD Management Account
4.38%APY · 1 term
Variable rate. Renews for the exact term originally purchased at the current interest rate for the one year CD. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsVariable rate. 1 year term | 4.38% | $438 |
Sources (2)
All captured Oct 15, 2026
Central Advantage
3.75%APY · 1 term
Individuals only. Renews for the exact term originally purchased at the current interest rate for the one year CD. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsIndividuals only. 1 year term | 3.75% | $375 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Individual Retirement Accounts
Up to 4.50%APY · 6 terms
Individual Retirement Accounts (IRA certificates). Early withdrawal penalty may apply. Daily compounding of interest.
| Term | APY · $100 and up | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsFixed Rate | — | 3.50% | 3.50% | $173 |
| 12 monthsFixed Rate | — | 4.00% | 4.00% | $400 |
| 18 monthsVariable Rate | 3.00% | — | 3.00% | $453 |
| 24 monthsFixed Rate | — | 4.25% | 4.25% | $868 |
| 36 monthsFixed Rate | — | 4.30% | 4.30% | $1,346 |
| 60 monthsFixed Rate | — | 4.50% | 4.50% | $2,462 |
Sources (1)
- centralbank.com/deposit-rates · 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.