Bank · FDIC insured
Incommons Bank CD Rates
Incommons Bank’s best CD rate is 3.53% APY on a 6-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Incommons Bank’s CD rates compare
Compared with banks and credit unions near Waco, TX, where Incommons Bank has the most branches. $10,000, best rate first.
This bank’s best
Incommons Bank
3.53%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $175
Certificates of Deposit
Top rate
First National Bank of Bastrop
5.00%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $289
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Incommons Bank CD score
71
CD score
Higher than 30% of U.S. banks and credit unions
- 3–8 months3–8 mo3.53%
- 9–15 months9–15 mo3.51%
- 16–30 months16–30 mo3.04%
- 31–60 months31–60 mo2.52%
- QualifiedQualified3.53%
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 Incommons 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 3.53%APY · 6 terms
Penalty for early withdrawal may apply. Fixed rates and flexible terms.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounding: At Maturity. Penalty for early withdrawal may apply | 3.53% | $175 |
| 12 monthsCompounding: Monthly. Penalty for early withdrawal may apply | 3.51% | $351 |
| 24 monthsCompounding: Monthly. Penalty for early withdrawal may apply | 3.04% | $617 |
| 36 monthsCompounding: Quarterly. Penalty for early withdrawal may apply | 2.52% | $775 |
| 48 monthsCompounding: Quarterly. Penalty for early withdrawal may apply | 2.02% | $833 |
| 60 monthsCompounding: Quarterly. Penalty for early withdrawal may apply | 2.27% | $1,188 |
Sources (2)
- incommonsbank.com/loans/personal-loans/auto-loans.html
- incommonsbank.com/personal/per…ates-of-deposit-cds.html
All captured Oct 6, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
Up to 3.51%APY · 3 terms
Some accounts may require a minimum daily balance and/or impose a penalty for early withdrawal. $500 to open.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompounding: Monthly. Penalty for early withdrawal may apply | 3.51% | $351 |
| 18 monthsCompounding: Monthly. Penalty for early withdrawal may apply | 3.04% | $459 |
| 24 monthsCompounding: Monthly. Penalty for early withdrawal may apply | 3.04% | $617 |
Sources (2)
- incommonsbank.com/loans/person…/construction-loans.html
- incommonsbank.com/personal/per…ement-accounts-iras.html
All 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.