Bank · FDIC insured
Community Financial Services Bank CD Rates
Community Financial Services Bank’s best CD rate is 4.17% APY on a 17-month CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Community Financial Services Bank’s CD rates compare
Compared with banks and credit unions near Paducah, KY-IL, where Community Financial Services Bank has the most branches. $10,000, best rate first.
This bank’s best
Community Financial Services Bank
4.17%APY
- Term
- 17 months
- Minimum
- $1,000
- Earns on $10,000
- $596
Certificates of Deposit (CDs)
Top rate
Banterra Bank
4.40%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,379
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Community Financial Services Bank CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo3.87%
- 9–15 months9–15 mo0.05%
- 16–30 months16–30 mo4.17%
- 31–60 months31–60 mo0.45%
- QualifiedQualified4.17%
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 Financial Services 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 (CDs)
Up to 4.17%APY · 8 terms
FDIC insured up to $250,000. Automatic renewal at maturity with a 10-day grace period. Penalty for early withdrawal. Setup and maintenance fees: $0.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal | 0.05% | $2 |
| 7 months7-Month CD Special. Penalty for early withdrawal. Account fees may reduce earnings | 3.87% | $224 |
| 12 monthsPenalty for early withdrawal | 0.05% | $5 |
| 17 months17-Month Special. Penalty for early withdrawal. Account fees may reduce earnings | 4.17% | $596 |
| 24 monthsPenalty for early withdrawal | 0.15% | $30 |
| 36 monthsPenalty for early withdrawal | 0.25% | $75 |
| 48 monthsPenalty for early withdrawal | 0.35% | $141 |
| 60 monthsPenalty for early withdrawal | 0.45% | $227 |
Special-purpose accounts
Individual Retirement Accounts (IRAs)
Up to 4.17%APY · 3 terms
Traditional and Roth options available. Federally insured. Penalty for early withdrawal. No annual, setup, or maintenance fees.
| Term | APY · $25 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 7 months7-Month IRA Special. Penalty for early withdrawal. Rates subject to change after account opening | — | 3.87% | 3.87% | $224 |
| 12 months12-Month IRA (Variable). Variable rate subject to change after account opening. Penalty for early withdrawal | 4.07% | — | 4.07% | $407 |
| 17 months17-Month IRA Special. Penalty for early withdrawal. Rates subject to change after account opening | — | 4.17% | 4.17% | $596 |
Sources (3)
All captured Oct 5, 2026
Opening an account
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