Bank · FDIC insured
Community Savings CD Rates
Top CarrotCommunity Savings’s best CD rate is 4.00% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Community Savings’s CD rates compare
Compared with banks and credit unions in Ohio, where Community Savings has the most branches. $10,000, best rate first.
This bank’s best
Community Savings
4.00%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $400
Certificates of Deposit
Top rate
First Choice America Community Federal Credit Union
5.22%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $657
2nd-highest rate
Homeland Credit Union
5.15%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,338
Community Savings CD score
84
CD score
Higher than 67% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.60%
- QualifiedQualified4.00%
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 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 4.00%APY · 8 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.00% | $25 |
| 6 months | 3.75% | $186 |
| 12 months | 4.00% | $400 |
| 18 months | 2.25% | $339 |
| 24 months | 3.60% | $733 |
| 36 months | 3.60% | $1,119 |
| 48 months | 2.00% | $824 |
| 60 months | 2.00% | $1,041 |
Sources (1)
- mycommunitysavings.com/current-rates · captured Oct 6, 2026
Impact Certificate of Deposit
Up to 3.00%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.25% | $31 |
| 6 months | 2.25% | $112 |
| 9 months | 2.30% | $172 |
| 12 months | 2.40% | $240 |
| 18 months | 2.00% | $301 |
| 24 months | 3.00% | $609 |
Sources (6)
- mycommunitysavings.com/wp-cont…ngs-Impact-CD-1-Year.pdf
- mycommunitysavings.com/wp-cont…s-Impact-CD-18-Month.pdf
- mycommunitysavings.com/wp-cont…s-Impact-CD-2-Year-1.pdf
- mycommunitysavings.com/wp-cont…gs-Impact-CD-3-Month.pdf
- mycommunitysavings.com/wp-cont…gs-Impact-CD-6-Month.pdf
- mycommunitysavings.com/wp-cont…gs-Impact-CD-9-Month.pdf
All captured Oct 6, 2026
Special-purpose accounts
Individual Retirement Account
3.50%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 3.50% | $530 |
Sources (1)
- mycommunitysavings.com/current-rates · captured Oct 6, 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.