Bank · FDIC insured
Cumberland Security Bank CD Rates
Cumberland Security Bank’s best CD rate is 3.76% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Cumberland Security Bank’s CD rates compare
Compared with banks and credit unions near Somerset, KY, where Cumberland Security Bank has the most branches. $10,000, best rate first.
This bank’s best
Cumberland Security Bank
3.76%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $376
Certificates of Deposit
Top rate
L&N Federal Credit Union
4.25%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $317
2nd-highest rate
Community Trust Bank
4.04%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $234
Cumberland Security Bank CD score
71
CD score
Higher than 30% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.76%
- 16–30 months16–30 mo2.02%
- 31–60 months31–60 mo2.00%
- QualifiedQualified3.76%
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 Cumberland Security 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 3.76%APY · 8 terms
$1,000 minimum deposit to open. Terms range from three (3) months to sixty (60) months. Simple interest calculation, computed using the Daily Balance. No additional deposits may be made after opening. Early withdrawal penalties apply. Must maintain a minimum balance of $1,000.00 on a daily basis to earn the APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMust maintain a minimum balance of $1,000.00 on a daily basis to earn the APY. Early withdrawal penalty of 6 months' interest applies (<12 Months) | 0.40% | $10 |
| 6 monthsMust maintain a minimum balance of $1,000.00 on a daily basis to earn the APY. Early withdrawal penalty of 6 months' interest applies (<12 Months) | 2.53% | $126 |
| 7 monthsMust maintain a minimum balance of $1,000.00 on a daily basis to earn the APY. Early withdrawal penalty of 6 months' interest applies (<12 Months) | 3.30% | $191 |
| 12 monthsMust maintain a minimum balance of $1,000.00 on a daily basis to earn the APY. Early withdrawal penalty of 12 months' interest applies (12+ Months) | 3.76% | $376 |
| 24 monthsMust maintain a minimum balance of $1,000.00 on a daily basis to earn the APY. Early withdrawal penalty of 12 months' interest applies (12+ Months) | 2.02% | $408 |
| 36 monthsMust maintain a minimum balance of $1,000.00 on a daily basis to earn the APY. Early withdrawal penalty of 12 months' interest applies (12+ Months) | 2.00% | $612 |
| 48 monthsMust maintain a minimum balance of $1,000.00 on a daily basis to earn the APY. Early withdrawal penalty of 12 months' interest applies (12+ Months) | 2.00% | $824 |
| 60 monthsMust maintain a minimum balance of $1,000.00 on a daily basis to earn the APY. Early withdrawal penalty of 12 months' interest applies (12+ Months) | 2.00% | $1,041 |
Sources (1)
- csbweb.com/savings-investments/cds · captured Oct 22, 2026
Special-purpose accounts
Individual Retirement Accounts
2.21%APY · 1 term
Traditional or Roth options are available. $1,000 minimum deposit to open. Term is for 18 months. Fixed or variable rates are available. Simple interest calculation, computed using daily balance, credited semi-annually. Penalty of 6 months' interest for withdrawals before age 59-1/2.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsFixed rate. Rate may change at maturity. Must maintain a minimum balance of $1,000.00 on a daily basis to earn the APY | 2.21% | $333 |
Sources (1)
- csbweb.com/savings-investments…idual-retirement-account · captured Oct 22, 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.