Bank · FDIC insured
Citizens Bank & Trust of Lebanon CD Rates
Citizens Bank & Trust of Lebanon’s best CD rate is 3.53% APY on a 1-year CD. Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How Citizens Bank & Trust of Lebanon’s CD rates compare
Compared with banks and credit unions in Kentucky, where Citizens Bank & Trust of Lebanon has the most branches. $10,000, best rate first.
This bank’s best
Citizens Bank & Trust of Lebanon
2.31%APY
- Term
- 60 months
- Minimum
- —
- Earns on $10,000
- $1,210
Regular Certificates 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
Citizens Bank & Trust of Lebanon CD score
63
CD score
Higher than 10% of U.S. banks and credit unions
- 3–8 months3–8 mo1.50%
- 9–15 months9–15 mo1.25%
- 16–30 months16–30 mo2.26%
- 31–60 months31–60 mo2.31%
- QualifiedQualified2.31%
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 of Lebanon 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.
Special Certificates of Deposit (with Minimum Balances)
Up to 2.26%APY · 7 terms
| Term | APY · $10,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 7 months$50,000 min | — | 3.02% | — | —3.02% from $50k | — |
| 8 months$10,000 min | 1.50% | — | — | 1.50% | $100 |
| 8 months$50,000 min | — | 2.01% | — | —2.01% from $50k | — |
| 12 months$50,000 min | — | 3.53% | — | —3.53% from $50k | — |
| 15 months$100,000 min | — | — | 3.25% | —3.25% from $100k | — |
| 18 months$10,000 min | 1.91% | — | — | 1.91% | $288 |
| 24 months$10,000 min | 2.11% | — | — | 2.11% | $426 |
| 30 months$10,000 min | 2.26% | — | — | 2.26% | $575 |
Sources (1)
- cbtoflebanon.com/cd-rates.php · captured Sep 19, 2026
Regular Certificates of Deposit
Up to 2.31%APY · 8 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month | 0.75% | $6 |
| 3 months | 1.10% | $27 |
| 6 months | 1.20% | $60 |
| 12 months | 1.25% | $125 |
| 24 months | 1.40% | $282 |
| 36 months | 1.91% | $584 |
| 48 months | 2.16% | $892 |
| 60 months | 2.31% | $1,210 |
Sources (1)
- cbtoflebanon.com/cd-rates.php · captured Sep 19, 2026
Small-Savers Certificates of Deposit
Up to 1.51%APY · 2 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 1.35% | $203 |
| 30 months | 1.51% | $382 |
Sources (1)
- cbtoflebanon.com/cd-rates.php · captured Sep 19, 2026
Special-purpose accounts
Retirement / Individual Retirement Accounts (IRA) Certificates of Deposit
1.76%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsVariable rate C.D | 1.76% | $265 |
Sources (1)
- cbtoflebanon.com/cd-rates.php · 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.