Bank · FDIC insured
Community Savings Bank CD Rates
Community Savings Bank’s best CD rate is 4.50% APY on a 3-year CD. Terms run from 3 months to 6 years. Rates checked October 16, 2026.
How Community Savings Bank’s CD rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Community Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Community Savings Bank
4.50%APY
- Term
- 36 months
- Minimum
- $5,000
- Earns on $10,000
- $1,412
Certificates of Deposit
Top rate
Peoples Exchange Bank
4.50%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $488
3rd-highest rate
Cinfed Credit Union
4.50%APY
- Term
- 45 months
- Minimum
- $500
- Earns on $10,000
- $1,795
Community Savings Bank CD score
85
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo3.35%
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo3.85%
- QualifiedQualified3.85%
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.
Certificates of Deposit
Up to 4.50%APY · 11 terms
Fixed interest rate; no additional deposits can be made until maturity. Early withdrawal penalty equals one half of the term's interest. Automatically renews at the current rate paid on the particular term. Grace period is 7 days for terms 3 to 12 months, and 10 days for terms over 12 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsSimple compounding | 3.35% | $83 |
| 6 monthsCompounded quarterly | 3.35% | $166 |
| 9 monthsSpecial rate. Compounded quarterly. A previous Special will automatically renew at the current rate paid on the particular term, which may no longer be a Special rate | 4.25% | $317 |
| 12 monthsCompounded quarterly | 3.60% | $360 |
| 18 monthsCompounded quarterly | 3.70% | $560 |
| 20 monthsCompounded quarterly | 3.70% | $624 |
| 24 monthsCompounded daily | 3.85% | $785 |
| 36 monthsSpecial rate. Compounded daily. A previous Special will automatically renew at the current rate paid on the particular term, which may no longer be a Special rate | 4.50% | $1,412 |
| 48 monthsCompounded daily | 3.85% | $1,631 |
| 60 monthsCompounded daily | 3.85% | $2,079 |
| 72 monthsCompounded daily | 3.95% | $2,617 |
Special-purpose accounts
Individual Retirement Accounts (IRAs) Certificates of Deposit
Up to 4.50%APY · 11 terms
Fixed interest rate; no additional deposits can be made until maturity. Early withdrawal penalty equals one half of the term's interest. Automatically renews at the current rate paid on the particular term. Grace period is 7 days for terms 3 to 12 months, and 10 days for terms over 12 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsSimple compounding | 3.35% | $83 |
| 6 monthsCompounded quarterly | 3.35% | $166 |
| 9 monthsSpecial rate. Compounded quarterly. A previous Special will automatically renew at the current rate paid on the particular term, which may no longer be a Special rate | 4.25% | $317 |
| 12 monthsCompounded quarterly | 3.60% | $360 |
| 18 monthsCompounded quarterly | 3.70% | $560 |
| 20 monthsCompounded quarterly | 3.70% | $624 |
| 24 monthsCompounded daily | 3.85% | $785 |
| 36 monthsSpecial rate. Compounded daily. A previous Special will automatically renew at the current rate paid on the particular term, which may no longer be a Special rate | 4.50% | $1,412 |
| 48 monthsCompounded daily | 3.85% | $1,631 |
| 60 monthsCompounded daily | 3.85% | $2,079 |
| 72 monthsCompounded daily | 3.95% | $2,617 |
Sources (1)
- bankwith-csb.com/Rates · captured Sep 26, 2026
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