Bank · FDIC insured
Lincoln National Bank CD Rates
Lincoln National Bank’s best CD rate is 4.65% APY on a 13-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Lincoln National Bank’s CD rates compare
Compared with banks and credit unions near Elizabethtown, KY, where Lincoln National Bank has the most branches. $10,000, best rate first.
This bank’s best
Lincoln National Bank
4.65%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $505
Certificates of Deposit (CDs)
2nd-highest rate
Bank of Buffalo
4.60%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $499
3rd-highest rate
Abound Credit Union
4.50%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $566
Lincoln National Bank CD score
72
CD score
Higher than 31% of U.S. banks and credit unions
- 3–8 months3–8 mo0.35%
- 9–15 months9–15 mo0.35%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.50%
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 Lincoln 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.
Certificates of Deposit (CDs)
Up to 4.65%APY · 10 terms
Early withdrawal penalty applies. Term lengths range from 3 to 60 months. Automatically renews at best available rate for similar term with 10-day grace period. Interest calculated using daily-balance method.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty may be imposed. Interest compounded/credited as set up with account (Quarterly/Semi-annually/Annually/At Maturity) | 0.20% | $5 |
| 6 monthsEarly withdrawal penalty may be imposed. Interest compounded/credited as set up with account (Quarterly/Semi-annually/Annually/At Maturity) | 0.35% | $17 |
| 12 monthsEarly withdrawal penalty may be imposed. Interest compounded/credited as set up with account (Quarterly/Semi-annually/Annually/At Maturity) | 0.35% | $35 |
| 13 monthsEarly withdrawal penalty may be imposed. Interest compounded/credited as set up with account (Quarterly/Semi-annually/Annually/At Maturity) | 4.65% | $505 |
| 18 monthsEarly withdrawal penalty may be imposed. Interest compounded/credited as set up with account (Quarterly/Semi-annually/Annually/At Maturity) | 4.35% | $660 |
| 24 monthsEarly withdrawal penalty may be imposed. Interest compounded/credited as set up with account (Quarterly/Semi-annually/Annually/At Maturity) | 3.25% | $661 |
| 30 monthsEarly withdrawal penalty may be imposed. Interest compounded/credited as set up with account (Quarterly/Semi-annually/Annually/At Maturity) | 0.50% | $125 |
| 36 monthsEarly withdrawal penalty may be imposed. Interest compounded/credited as set up with account (Quarterly/Semi-annually/Annually/At Maturity) | 3.50% | $1,087 |
| 48 monthsEarly withdrawal penalty may be imposed. Interest compounded/credited as set up with account (Quarterly/Semi-annually/Annually/At Maturity) | 0.70% | $283 |
| 60 monthsEarly withdrawal penalty may be imposed. Interest compounded/credited as set up with account (Quarterly/Semi-annually/Annually/At Maturity) | 1.25% | $641 |
Special-purpose accounts
18 Month IRA Variable Certificate of Deposit
4.35%APY · 1 term
Allows deposits during the term. Interest rates are variable and may change after account opening at bank's discretion. APY assumes funds remain on deposit until maturity. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsA penalty may be imposed for early withdrawal. Interest rate and APY may change after account opening. Allows deposits during term | 4.35% | $660 |
IRA Certificate of Deposit
Up to 4.35%APY · 9 terms
IRA certificates of deposit. Withdrawals prior to age 59½ may be subject to IRS early-distribution penalties in addition to applicable bank penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsA penalty may be imposed for early withdrawal | 0.20% | $5 |
| 6 monthsA penalty may be imposed for early withdrawal | 0.35% | $17 |
| 12 monthsA penalty may be imposed for early withdrawal | 0.35% | $35 |
| 18 monthsA penalty may be imposed for early withdrawal | 4.35% | $660 |
| 24 monthsA penalty may be imposed for early withdrawal | 3.25% | $661 |
| 30 monthsA penalty may be imposed for early withdrawal | 0.50% | $125 |
| 36 monthsA penalty may be imposed for early withdrawal | 3.50% | $1,087 |
| 48 monthsA penalty may be imposed for early withdrawal | 0.70% | $283 |
| 60 monthsA penalty may be imposed for early withdrawal | 1.25% | $641 |
One Year Monthly Deposit IRA Account
0.35%APY · 1 term
Start with regular contributions. Early withdrawal penalty may apply. Withdrawals prior to age 59½ may be subject to IRS early-distribution penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsA penalty may be imposed for early withdrawal. Allows regular contributions | 0.35% | $35 |
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.