Bank · FDIC insured
Community Savings Bank CD Rates
Community Savings Bank’s best CD rate is 3.85% APY on a 7-month CD. Terms run from 5 months to 5 years. Rates checked October 16, 2026.
How Community Savings Bank’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Community Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Community Savings Bank
4.25%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000
- $2,313
Five-In-One Certificate
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $2,836
Community Savings Bank CD score
82
CD score
Higher than 59% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo3.03%
- 31–60 months31–60 mo3.55%
- QualifiedQualified4.25%
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 Savings 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.
Five-In-One Certificate
Up to 4.25%APY · 1 term
Available only to customers who maintain $1,000.00 on deposit in a NOW Checking or Savings account. One-year term with automatic and guaranteed renewals for up to five years; each renewal pays a guaranteed higher rate with a bonus rate in the fifth year. Interest transferred monthly to a NOW Checking or Savings account; no compounding; interest accrues from day of deposit to day of withdrawal; no deposits after opening; penalty-free withdrawal on any annual maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsFirst year period of the five-year Five-In-One schedule. Withdrawals between maturity dates incur 30 days of interest, earned or not. Requires $1,000 in a NOW Checking or Savings account. APY accurate as of October 10, 2026 | 3.00% | $1,593 |
| 60 monthsOptional renewal - 2nd year of the five-year Five-In-One schedule. Requires $1,000 in a NOW Checking or Savings account. APY accurate as of October 10, 2026 | 3.13% | $1,663 |
| 60 monthsOptional renewal - 3rd year of the five-year Five-In-One schedule. Requires $1,000 in a NOW Checking or Savings account. APY accurate as of October 10, 2026 | 3.25% | $1,734 |
| 60 monthsOptional renewal - 4th year of the five-year Five-In-One schedule. Requires $1,000 in a NOW Checking or Savings account. APY accurate as of October 10, 2026 | 3.38% | $1,805 |
| 60 monthsOptional renewal - 5th year bonus rate of the five-year Five-In-One schedule. Requires $1,000 in a NOW Checking or Savings account. APY accurate as of October 10, 2026 | 4.25% | $2,313 |
Sources (2)
- communitysavingsbank.bank/bank…osit-rates/deposit-rates
- communitysavingsbank.bank/bank…/certificates-of-deposit
All captured Oct 16, 2026
7 Month Special Certificate
3.85%APY · 1 term
Interest transferred monthly to a NOW Checking or Savings account; no compounding; automatic renewal defaults to a Total T Plus certificate; rate and APY fixed for the term; interest accrues from day of deposit to day of withdrawal; no deposits after opening except at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsPublished as 7 Month Special Certificate. Early withdrawal penalty is 30 days of interest, earned or not. APY accurate as of October 10, 2026. CD product page also describes Special Certificate details and asks callers to inquire about the current special term | 3.85% | $223 |
5 Month Special Certificate
3.60%APY · 1 term
Interest transferred monthly to a NOW Checking or Savings account; no compounding; automatic renewal defaults to a Total T Plus certificate; rate and APY fixed for the term; interest accrues from day of deposit to day of withdrawal; no deposits after opening except at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsPublished as 5 Month Special Certificate. Early withdrawal penalty is 30 days of interest, earned or not. APY accurate as of September 12, 2026. CD product page also describes a 6 Month Total T Special with the same features and asks callers for the current special term | 3.60% | $148 |
5 Year Certificate
3.55%APY · 1 term
Grouped on the CD page with 18, 30 and 60 month certificates: rate and APY fixed for the term; automatic renewal; quarterly compounding and credit; no deposits after opening except at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsEarly withdrawal penalty is 180 days of interest, earned or not. APY accurate as of October 10, 2026 | 3.55% | $1,906 |
Sources (2)
- communitysavingsbank.bank/bank…osit-rates/deposit-rates
- communitysavingsbank.bank/bank…/certificates-of-deposit
All captured Oct 16, 2026
1 1/2 Year Certificate
3.03%APY · 1 term
Grouped on the CD page with 18, 30 and 60 month certificates: rate and APY fixed for the term; automatic renewal at end of each term; interest compounded and credited quarterly on the last day of each calendar quarter and at maturity; interest accrues from day of deposit to day of withdrawal; no deposits after opening except at maturity; no principal withdrawals without penalty except interest until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsEarly withdrawal penalty is 180 days of interest, earned or not. APY accurate as of October 10, 2026. Homepage states 1.5 Year CD APY as high as 3.03% with $500 minimum | 3.03% | $458 |
Sources (3)
- communitysavingsbank.bank
- communitysavingsbank.bank/bank…osit-rates/deposit-rates
- communitysavingsbank.bank/bank…/certificates-of-deposit
All captured Oct 16, 2026
2 1/2 Year Certificate
3.03%APY · 1 term
Grouped on the CD page with 18, 30 and 60 month certificates: rate and APY fixed for the term; automatic renewal; quarterly compounding and credit; no deposits after opening except at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 monthsEarly withdrawal penalty is 180 days of interest, earned or not. APY accurate as of October 10, 2026 | 3.03% | $775 |
Sources (2)
- communitysavingsbank.bank/bank…osit-rates/deposit-rates
- communitysavingsbank.bank/bank…/certificates-of-deposit
All captured Oct 16, 2026
3 1/2 Year Certificate (42 Month)
3.03%APY · 1 term
42 Month Certificate: deposits of up to twice (2x) the original principal may be made within the first year of opening or of any renewal term; no deposits after that time except at maturity. All other terms of the 18, 30 and 60 month certificates apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 42 monthsAdd-on deposits up to 2x original principal in the first year of the term or renewal. Early withdrawal penalty is 180 days of interest, earned or not. Quarterly compounding. APY accurate as of October 10, 2026 | 3.03% | $1,101 |
Sources (2)
- communitysavingsbank.bank/bank…osit-rates/deposit-rates
- communitysavingsbank.bank/bank…/certificates-of-deposit
All captured Oct 16, 2026
1 Year Certificate
3.00%APY · 1 term
Interest rate and APY fixed for the term; interest accrues from day of deposit to day of withdrawal. Product-page details: interest paid at end of year as simple interest without compounding, by check or electronic credit to a NOW or Savings account; interest not taxable until year of receipt; no deposits after opening except at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDeposit-rates table minimum to open and earn APY is $2,500.00. Due to tax-deferral feature, penalty for withdrawal during term is all interest accrued on the amount withdrawn. APY accurate as of October 10, 2026 | 3.00% | $300 |
Sources (2)
- communitysavingsbank.bank/bank…osit-rates/deposit-rates
- communitysavingsbank.bank/bank…/certificates-of-deposit
All captured Oct 16, 2026
182 Day Certificate (Total T)
1.00%APY · 1 term
Total T Certificate; 182-day term; interest rate and APY fixed for the term; interest accrues from day of deposit to day of withdrawal; interest paid at end of term by check or electronic credit to a NOW or Savings account; no compounding; interest not taxable by IRS until year of receipt; automatic renewal; no deposits after opening except at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months182-day term. Early withdrawal penalty is the greater of all interest to date or 30 days of interest, whether earned or not, due to tax deferral. APY accurate as of October 10, 2026 | 1.00% | $50 |
Sources (2)
- communitysavingsbank.bank/bank…osit-rates/deposit-rates
- communitysavingsbank.bank/bank…/certificates-of-deposit
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
3.03%APY · 1 term
Roth and Traditional IRA wrappers around a two-year certificate with a two-year rate guarantee. Available to regular banking customers who maintain $1,000 or more in Regular Savings, NOW Checking, or Money Market. No annual charges for record keeping or reporting. Additional deposits to the original certificate allowed in multiples of $100 and do not extend the maturity date. Subject to IRS rules.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsIRA Certificate - 2 Year Term. Must maintain $1,000 or more in Regular Savings, NOW Checking, or Money Market. Early withdrawal penalty may be imposed. APY accurate as of October 10, 2026 | 3.03% | $615 |
Sources (3)
- communitysavingsbank.bank
- communitysavingsbank.bank/bank…osit-rates/deposit-rates
- communitysavingsbank.bank/banking/deposit-products/iras
All captured Oct 16, 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.