Bank · FDIC insured
Friendship State Bank CD Rates
Friendship State Bank’s best CD rate is 3.46% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Friendship State Bank’s CD rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Friendship State Bank has the most branches. $10,000, best rate first.
This bank’s best
Friendship State Bank
3.46%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $1,854
Certificate 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
Friendship State Bank CD score
75
CD score
Higher than 38% of U.S. banks and credit unions
- 3–8 months3–8 mo3.41%
- 9–15 months9–15 mo3.41%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo3.46%
- QualifiedQualified3.46%
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 Friendship State 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.
Certificate of Deposit
Up to 3.46%APY · 7 terms
Fixed rate interest bearing account with 3 month to 5 year terms available. Interest may be paid or compounded. Substantial penalty for early withdrawal prior to maturity. Additional deposits before maturity are not permitted.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsInterest paid monthly | 3.30% | $81 |
| 6 monthsInterest paid monthly | 3.41% | $169 |
| 12 monthsInterest paid monthly | 3.41% | $341 |
| 24 monthsInterest paid monthly | 3.30% | $671 |
| 36 monthsInterest paid monthly | 3.30% | $1,023 |
| 48 monthsInterest paid monthly | 3.41% | $1,435 |
| 60 monthsInterest paid monthly | 3.46% | $1,854 |
Sources (3)
- friendshipstatebank.com/certificate-of-deposit
- friendshipstatebank.com/other
- friendshipstatebank.com/rates
All captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Certificate of Deposit
Up to 3.56%APY · 4 terms
Traditional, SEP, Roth, and Educational IRAs available. Substantial penalty for early withdrawal. Additional deposits before maturity are permitted with the IRA CD. Outgoing transfers or roll-overs are subject to $25.00 IRA account closure fee.
| Term | APY · $250 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| UnknownVariable Rate Jumbo CD. Interest paid monthly | — | 1.86% | —1.86% from $100k | — |
| 6 monthsFixed Rate CD. Interest paid monthly | 3.51% | — | 3.51% | $174 |
| 12 monthsFixed Rate CD. Interest paid monthly | 3.56% | — | 3.56% | $356 |
| 12 monthsVariable Rate CD. Interest paid monthly | 1.56% | — | 1.56% | $156 |
| 24 monthsFixed Rate CD. Interest paid monthly | 3.30% | — | 3.30% | $671 |
Sources (3)
- friendshipstatebank.com/certificate-of-deposit
- friendshipstatebank.com/other
- friendshipstatebank.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.