Bank · FDIC insured
Community Bank CD Rates
Top CarrotCommunity Bank’s best CD rate is 4.08% APY on a 6-month CD. Terms run from 1 month to 5 years. Rates checked October 15, 2026.
How Community Bank’s CD rates compare
Compared with banks and credit unions near Jackson, TN, where Community Bank has the most branches. $10,000, best rate first.
This bank’s best
Community Bank
4.08%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $202
Certificates of Deposit
Top rate
Paragon Bank
4.39%APY
- Term
- 13 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $476
2nd-highest rate
Leaders Credit Union
4.25%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $425
Community Bank CD score
82
CD score
Higher than 59% of U.S. banks and credit unions
- 3–8 months3–8 mo4.08%
- 9–15 months9–15 mo3.70%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo2.90%
- QualifiedQualified4.08%
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 Community 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 4.08%APY · 12 terms
An interest penalty for early withdrawal on certificates of deposit may apply. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month | 0.30% | $2 |
| 3 months | 0.50% | $12 |
| 6 months | 4.08% | $202 |
| 9 months | 3.70% | $276 |
| 12 months | 3.45% | $345 |
| 13 months | 3.40% | $369 |
| 15 months | 3.40% | $427 |
| 18 months | 3.25% | $491 |
| 24 months | 3.15% | $640 |
| 36 months | 2.90% | $895 |
| 48 months | 2.65% | $1,103 |
| 60 months | 2.65% | $1,397 |
Sources (1)
- community-bank.net/services-tools/tools/rates.html · captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
Up to 4.08%APY · 7 terms
Traditional and Roth IRA options available. Funds will be used to purchase CDs within IRA. No setup fees. No monthly or annual maintenance fees. $5,500 contribution limit per year (additional $1,000 catch-up for ages 50+). An interest penalty for early withdrawal on certificates of deposit may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMust maintain a minimum balance of $500.00 in the account each day to obtain the disclosed APY | 4.08% | $202 |
| 12 monthsMust maintain a minimum balance of $500.00 in the account each day to obtain the disclosed APY | 3.45% | $345 |
| 18 monthsMust maintain a minimum balance of $500.00 in the account each day to obtain the disclosed APY | 3.25% | $491 |
| 24 monthsMust maintain a minimum balance of $500.00 in the account each day to obtain the disclosed APY | 3.15% | $640 |
| 36 monthsMust maintain a minimum balance of $500.00 in the account each day to obtain the disclosed APY | 2.90% | $895 |
| 48 monthsMust maintain a minimum balance of $500.00 in the account each day to obtain the disclosed APY | 2.65% | $1,103 |
| 60 monthsMust maintain a minimum balance of $500.00 in the account each day to obtain the disclosed APY | 2.65% | $1,397 |
Sources (2)
- community-bank.net/personal/pe…ement-accounts-iras.html
- community-bank.net/services-tools/tools/rates.html
All captured Sep 18, 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.