Bank · FDIC insured
CNB Bank CD Rates
CNB Bank’s best CD rate is 3.70% APY on an 18-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How CNB Bank’s CD rates compare
Compared with banks and credit unions near Hagerstown, MD-WV, where CNB Bank has the most branches. $10,000, best rate first.
This bank’s best
CNB Bank
3.70%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $560
Certificates of Deposit
Top rate
Patriot Federal Credit Union
4.50%APY
- Term
- 48 months
- Minimum
- $1,000
- Earns on $10,000
- $1,925
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
CNB Bank CD score
72
CD score
Higher than 32% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo3.45%
- 16–30 months16–30 mo3.70%
- 31–60 months31–60 mo1.50%
- QualifiedQualified3.70%
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 CNB 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.
Certificates of Deposit
Up to 3.70%APY · 12 terms
All CDs require a $500 minimum deposit to open and earn interest. Interest is compounded daily. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day CD term. Interest compounded daily. Penalty for early withdrawal | 0.50% | $13 |
| 6 months6 Month CD term. Interest compounded daily. Penalty for early withdrawal | 2.00% | $100 |
| 9 monthsPromotional rate. Upon maturity the 9 month CD automatically renews to a 6-Month CD at the prevailing rate. Allows deposits of $5000.00 or more during initial term | 3.45% | $258 |
| 12 months12 Month CD term. Interest compounded daily. Penalty for early withdrawal | 1.00% | $100 |
| 13 monthsPromotional rate. Upon maturity the 13 month CD automatically renews to a 12-Month CD at the prevailing rate | 3.45% | $374 |
| 17 monthsPromotional rate. Upon maturity the 17 month CD automatically renew to a 12-Month CD at the prevailing rate and allows for a one-time penalty-free withdrawal on whole or partial amount | 3.15% | $449 |
| 18 months18 Month CD term. Interest compounded daily. Penalty for early withdrawal | 3.70% | $560 |
| 24 months24 Month CD term. Interest compounded daily. Penalty for early withdrawal | 1.50% | $302 |
| 25 monthsPromotional rate. Upon maturity, the 25-Month CD will automatically renew into a 24-Month CD at the prevailing rate. Includes a one-time rate increase option allowing an adjustment to the current rate offered for this product during the term | 3.50% | $743 |
| 30 months30 Month CD term. Interest compounded daily. Penalty for early withdrawal | 1.50% | $379 |
| 36 months36 Month CD term. Interest compounded daily. Penalty for early withdrawal | 1.50% | $457 |
| 60 months60 Month CD term. Interest compounded daily. Penalty for early withdrawal | 1.50% | $773 |
Sources (1)
- cnb.bank/Personal/Account-Details · captured Oct 15, 2026
Special-purpose accounts
IRA CDs
Up to 3.70%APY · 12 terms
IRAs can be written in any CD term listed above, in addition to the offerings below. Interest is compounded daily. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day CD term. Interest compounded daily. Penalty for early withdrawal | 0.50% | $13 |
| 6 months6 Month CD term. Interest compounded daily. Penalty for early withdrawal | 2.00% | $100 |
| 9 monthsPromotional rate. Upon maturity the 9 month CD automatically renews to a 6-Month CD at the prevailing rate. Allows deposits of $5000.00 or more during initial term | 3.45% | $258 |
| 12 months12 Month CD term. Interest compounded daily. Penalty for early withdrawal | 1.00% | $100 |
| 13 monthsPromotional rate. Upon maturity the 13 month CD automatically renews to a 12-Month CD at the prevailing rate | 3.45% | $374 |
| 17 months17 Month Secure Flex CD IRA. Balance Tier $500.00 & Over. Interest compounded daily. Upon maturity the 17-month CD IRA automatically renews to a 12-Month CD at the prevailing rate and allows for a one-time penalty-free withdrawal on whole or partial amount | 3.15% | $449 |
| 18 months18 Month CD term. Interest compounded daily. Penalty for early withdrawal | 3.70% | $560 |
| 24 months24 Month CD term. Interest compounded daily. Penalty for early withdrawal | 1.50% | $302 |
| 25 monthsPromotional rate. Upon maturity, the 25-Month CD will automatically renew into a 24-Month CD at the prevailing rate. Includes a one-time rate increase option allowing an adjustment to the current rate offered for this product during the term | 3.50% | $743 |
| 30 months30 Month CD term. Interest compounded daily. Penalty for early withdrawal | 1.50% | $379 |
| 36 months36 Month CD term. Interest compounded daily. Penalty for early withdrawal | 1.50% | $457 |
| 60 months60 Month CD term. Interest compounded daily. Penalty for early withdrawal | 1.50% | $773 |
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.