Bank · FDIC insured
Citizens Federal Savings and Loan CD Rates
Citizens Federal Savings and Loan’s best CD rate is 4.10% APY on a 2-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Citizens Federal Savings and Loan’s CD rates compare
Compared with banks and credit unions near Bellefontaine, OH, where Citizens Federal Savings and Loan has the most branches. $10,000, best rate first.
This bank’s best
Citizens Federal Savings and Loan
4.10%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $837
Certificates of Deposit
Top rate
United Midwest Savings Bank
4.75%APY
- Term
- 6–12 months
- Minimum
- $500
- Earns on $10,000
- —
2nd-highest rate
Richwood Bank
4.60%APY
- Term
- 59 months
- Minimum
- $500
- Earns on $10,000
- $2,475
Citizens Federal Savings and Loan CD score
83
CD score
Higher than 64% of U.S. banks and credit unions
- 3–8 months3–8 mo3.45%
- 9–15 months9–15 mo3.35%
- 16–30 months16–30 mo4.10%
- 31–60 months31–60 mo3.40%
- QualifiedQualified4.10%
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 Federal Savings and Loan 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.
Certificates of Deposit
Up to 4.10%APY · 9 terms
Rates are fixed for the term of the CDs. Substantial penalty for early withdrawal. Minimum balance to earn APY is $500.00. Most certificate accounts automatically renew on their maturity date for the same term at current rate. Early withdrawal penalty: 30 days through 12 months is 3 months simple interest; longer than 12 months is 6 months simple interest; 48 or 60 months is 12 months simple interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.35% | $83 |
| 6 months | 3.45% | $171 |
| 9 months | 3.35% | $250 |
| 12 months | 3.35% | $335 |
| 18 months | 3.30% | $499 |
| 24 months | 4.10% | $837 |
| 30 months | 3.35% | $859 |
| 48 months | 3.40% | $1,431 |
| 60 months | 3.30% | $1,763 |
Sources (2)
All captured Oct 6, 2026
Principal Plus CD
3.20%APY · 2 terms
Choose term between 38 to 64 months. Deposits in a minimum amount of $100.00 may be added without extending maturity or changing term/rate. One-time per-term option to request a rate change without extending maturity. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 38–50 monthsMinimum additional deposit amount is $100.00. One-time per-term option to request a rate change without extending maturity | 3.20% | $1,049 |
| 51–64 monthsMinimum additional deposit amount is $100.00. One-time per-term option to request a rate change without extending maturity | 3.20% | $1,432 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Certificate of Deposit
3.00%APY · 2 terms
Traditional/Roth IRA wrappers. Requires compensation for contribution. Roth has income limits. Early withdrawal penalty follows standard CD rules. Required minimum distributions generally begin age 72–73.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.00% | $300 |
| 24 months | 3.00% | $609 |
Sources (2)
All captured Oct 6, 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.