Bank · FDIC insured
Citizens Bank & Trust Company CD Rates
Top CarrotCitizens Bank & Trust Company’s best CD rate is 4.30% APY on a 3-year CD. Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How Citizens Bank & Trust Company’s CD rates compare
Compared with banks and credit unions near Campbellsville, KY, where Citizens Bank & Trust Company has the most branches. $10,000, best rate first.
This bank’s best
Citizens Bank & Trust Company
4.30%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,346
Certificate of Deposit
Top rate
Abound Credit Union
4.50%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $566
3rd-highest rate
Community Trust Bank
4.04%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $234
Citizens Bank & Trust Company CD score
94
CD score
Higher than 95% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo4.11%
- 16–30 months16–30 mo4.26%
- 31–60 months31–60 mo4.30%
- QualifiedQualified4.30%
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 Citizens Bank & Trust Company 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 4.30%APY · 11 terms
Accounts cannot be opened online or over the phone; must visit a branch location to open an account. Early withdrawal penalties and fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month | 3.82% | $31 |
| 3 months | 3.85% | $95 |
| 6 months | 3.84% | $190 |
| 12 months | 4.00% | $400 |
| 15 months | 4.11% | $516 |
| 18 months | 4.21% | $638 |
| 24 months | 4.25% | $868 |
| 30 months | 4.26% | $1,099 |
| 36 months | 4.30% | $1,346 |
| 48 months | 4.30% | $1,834 |
| 60 months | 4.30% | $2,343 |
Sources (3)
- cbtky.com/personal/certificate-of-deposit-rates
- cbtky.com/personal/certificates-of-deposit
- cbtky.com/rates
All captured Sep 19, 2026
Special-purpose accounts
Individual Retirement Account Certificate of Deposit
4.27%APY · 1 term
Early withdrawal penalties may apply. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsFixed rate | 4.27% | $647 |
| 18 monthsVariable rate; rate may change after account is opened | 4.27% | $647 |
Sources (2)
All captured Sep 19, 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.