Bank · FDIC insured
Concordia Bank & Trust Co. CD Rates
Concordia Bank & Trust Co.’s best CD rate is 3.29% APY on a 1-year CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Concordia Bank & Trust Co.’s CD rates compare
Compared with banks and credit unions near Natchez, MS-LA, where Concordia Bank & Trust Co. has the most branches. $10,000, best rate first.
This bank’s best
Concordia Bank & Trust Co.
3.29%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $329
Certificate of Deposit
Top rate
Home Bank
4.05%APY
- Term
- 11 months
- Minimum
- $2,500
- Earns on $10,000
- $371
Concordia Bank & Trust Co. CD score
68
CD score
Higher than 22% of U.S. banks and credit unions
- 3–8 months3–8 mo2.77%
- 9–15 months9–15 mo3.29%
- 16–30 months16–30 mo3.03%
- 31–60 months31–60 mo2.78%
- QualifiedQualified3.29%
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 Concordia Bank & Trust Co. 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.
Certificate of Deposit
Up to 3.29%APY · 10 terms
Earns competitive interest rate based on certificate term. Terms available from 1 month to 60 months. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthCompound: At Maturity | 1.00% | $8 |
| 2 monthsCompound: At Maturity | 1.51% | $25 |
| 3 monthsCompound: At Maturity | 1.51% | $38 |
| 6 monthsCompound: At Maturity | 2.77% | $138 |
| 12 monthsCompound: Quarterly | 3.29% | $329 |
| 18 monthsCompound: Quarterly | 3.03% | $458 |
| 24 monthsCompound: Quarterly | 3.03% | $615 |
| 30 monthsCompound: Quarterly | 2.78% | $710 |
| 48 monthsCompound: Quarterly | 2.78% | $1,159 |
| 60 monthsCompound: Semi-Annual | 2.77% | $1,464 |
Sources (3)
- concordiabank.com/personal-ban…g/certificate-of-deposit
- concordiabank.com/personal-ind…dual-retirement-accounts
- concordiabank.com/rates
All captured Sep 18, 2026
Special-purpose accounts
Traditional IRA
3.80%APY · 1 term
Tax Deductible. Earns competitive interest rate. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsTraditional – Variable Rate (18 month). Compound: Quarterly. The interest rate shown may change after the account is opened | 3.80% | $575 |
Sources (3)
- concordiabank.com/personal-banking/traditional-ira
- concordiabank.com/personal-ind…dual-retirement-accounts
- concordiabank.com/rates
All captured Sep 18, 2026
Roth IRA – Fixed Rate
Up to 3.44%APY · 6 terms
Earns competitive interest rate based on certificate term. Terms available from 6 months to 60 months. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompound: Semi-Annual | 2.77% | $138 |
| 12 monthsCompound: Quarterly | 3.44% | $344 |
| 18 monthsCompound: Quarterly | 3.29% | $498 |
| 24 monthsCompound: Quarterly | 3.44% | $700 |
| 30 monthsCompound: Quarterly | 3.19% | $817 |
| 60 monthsCompound: Semi-Annual | 3.02% | $1,604 |
Sources (3)
- concordiabank.com/personal-banking/roth-ira-fixed-rate
- concordiabank.com/personal-ind…dual-retirement-accounts
- concordiabank.com/rates
All captured Sep 18, 2026
Roth IRA – Variable Rate
3.29%APY · 2 terms
Earns competitive interest rate based on certificate term. Savings terms of 18 months and 60 months. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsCompound: Quarterly. The interest rate shown may change after the account is opened | 3.29% | $498 |
| 60 monthsCompound: Quarterly. The interest rate shown may change after the account is opened | 3.29% | $1,757 |
Sources (3)
- concordiabank.com/personal-ban…g/roth-ira-variable-rate
- concordiabank.com/personal-ind…dual-retirement-accounts
- concordiabank.com/rates
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.