Bank · FDIC insured
Karnes County National Bank CD Rates
Karnes County National Bank’s best CD rate is 4.33% APY on a 2-year CD. Terms run from 1 month to 2 years. Rates checked October 16, 2026.
How Karnes County National Bank’s CD rates compare
Compared with banks and credit unions near Beeville, TX, where Karnes County National Bank has the most branches. $10,000, best rate first.
This bank’s best
Karnes County National Bank
2.78%APY
- Term
- 1 month
- Minimum
- $1,000
- Earns on $10,000
- $23
Regular CD
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Rally Credit Union
3.80%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $477
Karnes County National Bank CD score
63
CD score
Higher than 9% of U.S. banks and credit unions
- 3–8 months3–8 mo2.78%
- 9–15 months9–15 mo2.01%
- 16–30 months16–30 mo1.92%
- QualifiedQualified2.78%
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 Karnes County National 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.
Jumbo CD
Up to 4.33%APY · 5 terms
Interest compounded monthly. Daily balance method used to calculate interest. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month | 3.45% | — |
| 3 months | 3.45% | — |
| 6 months | 3.20% | — |
| 12 months | 4.18% | — |
| 24 months | 4.33% | — |
Sources (1)
- kcnb.com/certificate-of-deposit · captured Oct 6, 2026
Regular CD
Up to 2.78%APY · 5 terms
Minimum deposit to open: $1,000. Minimum balance to obtain APY: $1,000. Interest compounded monthly. Daily balance method used to calculate interest. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month | 2.78% | $23 |
| 3 months | 2.78% | $69 |
| 6 months | 2.53% | $126 |
| 12 months | 2.01% | $201 |
| 24 months | 1.92% | $388 |
Sources (1)
- kcnb.com/certificate-of-deposit · captured Oct 6, 2026
Special-purpose accounts
Individual Retirement Account
1.26%APY · 1 term
The IRA is a variable rate CD and subject to change at any time during the term. Interest compounded quarterly. Daily balance method used to calculate interest. Subject to early withdrawal fee and IRS requirements.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsVariable rate CD subject to change at any time | 1.26% | $190 |
Sources (1)
- kcnb.com/ira · 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.