Bank · FDIC insured
Clinton Bank CD Rates
Clinton Bank’s best CD rate is 3.96% APY on a 1-year CD. Terms run from 3 months to 4 years. Rates checked October 22, 2026.
How Clinton Bank’s CD rates compare
Compared with banks and credit unions in Kentucky, where Clinton Bank has the most branches. $10,000, best rate first.
This bank’s best
Clinton Bank
3.96%APY
- Term
- 12 months
- Minimum
- $10,000
- Earns on $10,000
- $396
Special 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
Clinton Bank CD score
74
CD score
Higher than 36% of U.S. banks and credit unions
- 3–8 months3–8 mo3.02%
- 9–15 months9–15 mo3.96%
- 16–30 months16–30 mo3.14%
- 31–60 months31–60 mo0.90%
- QualifiedQualified3.96%
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 Clinton 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.
Special Certificate of Deposit
Up to 3.96%APY · 3 terms
Special certificate rates. Penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
| Term | APY · $10,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsPenalty may be imposed for early withdrawal | 3.96% | — | 3.96% | $396 |
| 15 monthsPenalty may be imposed for early withdrawal | — | 3.80% | —3.80% from $25k | — |
| 24 monthsPenalty may be imposed for early withdrawal | 3.14% | — | 3.14% | $638 |
Sources (1)
- clintonbankky.com/home/fiFiles…s/weeklydepositrates.pdf · captured Oct 22, 2026
Certificate of Deposit
Up to 3.02%APY · 6 terms
A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty may be imposed for early withdrawal | 0.70% | $18 |
| 6 monthsPenalty may be imposed for early withdrawal | 3.02% | $152 |
| 12 monthsPenalty may be imposed for early withdrawal | 1.10% | $110 |
| 18 monthsPenalty may be imposed for early withdrawal | 1.05% | $158 |
| 30 monthsPenalty may be imposed for early withdrawal | 0.95% | $239 |
| 48 monthsPenalty may be imposed for early withdrawal | 0.90% | $365 |
Sources (2)
- clintonbankky.com/home/money-management/time-deposits
- clintonbankky.com/home/fiFiles…s/weeklydepositrates.pdf
All captured Oct 22, 2026
Special-purpose accounts
Individual Retirement Account Certificate of Deposit
Up to 4.37%APY · 2 terms
Individual Retirement Accounts. Penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsPenalty may be imposed for early withdrawal | 3.03% | $458 |
| 30 monthsPenalty may be imposed for early withdrawal | 4.37% | $1,129 |
Sources (2)
- clintonbankky.com/home/money-management/time-deposits
- clintonbankky.com/home/fiFiles…s/weeklydepositrates.pdf
All captured Oct 22, 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.