Bank · FDIC insured
FCN Bank CD Rates
FCN Bank’s best CD rate is 3.79% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How FCN Bank’s CD rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where FCN Bank has the most branches. $10,000, best rate first.
This bank’s best
FCN Bank
3.79%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $379
CDs – Certificates of Deposit
Top rate
Peoples Exchange Bank
4.50%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $488
2nd-highest rate
Community Savings Bank
4.50%APY
- Term
- 36 months
- Minimum
- $5,000
- Earns on $10,000
- $1,412
FCN Bank CD score
75
CD score
Higher than 40% of U.S. banks and credit unions
- 3–8 months3–8 mo0.15%
- 9–15 months9–15 mo3.79%
- 16–30 months16–30 mo3.48%
- 31–60 months31–60 mo3.28%
- QualifiedQualified3.79%
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 FCN 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.
CDs – Certificates of Deposit
Up to 3.79%APY · 11 terms
CDs offer no fees, FDIC insurance, guaranteed fixed rates, and flexible payment options (check, add-back, direct deposit).
| Term | APY · $1,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 0.15% | 0.15% | 0.15%0.15% from $100k | $4 |
| 6 months | 0.15% | 0.15% | 0.15%0.15% from $100k | $7 |
| 9 months | 0.20% | 0.20% | 0.20%0.20% from $100k | $15 |
| 12 months | 3.79% | 3.79% | 3.79%3.79% from $100k | $379 |
| 15 months | 3.55% | 3.55% | 3.55%3.55% from $100k | $446 |
| 18 months | 0.25% | 0.25% | 0.25%0.25% from $100k | $38 |
| 24 months | 3.48% | 3.48% | 3.48%3.48% from $100k | $708 |
| 30 months | 0.40% | 0.40% | 0.40%0.40% from $100k | $100 |
| 36 months | 3.28% | 3.28% | 3.28%3.28% from $100k | $1,017 |
| 48 months | 0.55% | 0.55% | 0.55%0.55% from $100k | $222 |
| 60 months | 0.70% | 0.70% | 0.70%0.70% from $100k | $355 |
Sources (1)
- fcnbank.com/cds-certificates-of-deposit · captured Sep 18, 2026
Opening an account
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