Bank · FDIC insured
LCNB National Bank CD Rates
LCNB National Bank’s best CD rate is 3.70% APY on a 13-month CD. Terms run from 1 year to 5 years. Rates checked October 16, 2026.
How LCNB National Bank’s CD rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where LCNB National Bank has the most branches. $10,000, best rate first.
This bank’s best
LCNB National Bank
3.70%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $401
13 Month CD
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
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Brokered CD
5.34%APY · 5 terms
The Brokered CDs listed below were issued the week of October 12, 2026. All CD accounts are subject to price and availability changes. Brokered CDs sold prior to maturity in the secondary market may result in loss of principal due to fluctuations in the interest rate of lack of liquidity. Brokered CDs are registered with the Depository Trust Corp. Brokered CDs with step-down and/or call provisions may be less favorable than traditional CDs without these features. It is not issued or guaranteed by LPL Financial or LCNB National Bank, and LCNB National Bank is not affiliated in any way with the institutions issuing the Brokered CD. All Brokered CDs have a Death Put.
| Term | APY · $10,000 and up | APY · $20,000 and up | APY · $25,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 12 monthsInterest paid at maturity. Bank of America | — | — | — | 4.71% | —4.71% from $100k | — |
| 24 monthsInterest paid semi-annual. Morgan Stanley | — | — | 5.07% | — | —5.07% from $25k | — |
| 36 monthsInterest paid semi-annual. Morgan Stanley | — | 5.18% | — | — | —5.18% from $20k | — |
| 48 monthsInterest paid semi-annual. Capital One | — | 5.28% | — | — | —5.28% from $20k | — |
| 60 monthsInterest paid semi-annual. Morgan Stanley | 5.34% | — | — | — | 5.34% | $2,971 |
Sources (1)
- lcnb.com/investment/investment-services-cd-rates · captured Oct 16, 2026
13 Month CD
3.70%APY · 1 term
Minimum balance of $1,000 required. Annual Percentage Yield is effective as of September 14, 2026. The Annual Percentage Yields assume interest remains on deposit until maturity. A withdrawal will reduce earnings. All Interest Rates and Annual Percentage Yields are determined by this institution and are not tied to any index. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest will begin to accrue on the business date in which the deposit is made. Certificates subject to penalty for early withdrawal. Advertised rates subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 months | 3.70% | $401 |
Sources (1)
- lcnb.com/personal/cd-rates · captured Oct 16, 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.