Bank · FDIC insured
Loyal Trust Bank CD Rates
Top CarrotLoyal Trust Bank’s best CD rate is 4.25% APY on a 1-year CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Loyal Trust Bank’s CD rates compare
Compared with banks and credit unions near Atlanta, GA, where Loyal Trust Bank has the most branches. $10,000, best rate first.
This bank’s best
Loyal Trust Bank
4.25%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $425
Certificate of Deposit
Top rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $347
2nd-highest rate
CDC Federal Credit Union
4.59%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $459
Loyal Trust Bank CD score
89
CD score
Higher than 85% of U.S. banks and credit unions
- 3–8 months3–8 mo4.15%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.25%
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 Loyal Trust 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 4.25%APY · 8 terms
Maximum opening deposit is $1,000,000. Early withdrawal penalty may apply. 10-day grace period after maturity with automatic renewal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty may apply; $1,000,000 max opening deposit | 4.15% | $205 |
| 12 monthsEarly withdrawal penalty may apply; $1,000,000 max opening deposit | 4.25% | $425 |
| 13 monthsEarly withdrawal penalty may apply; $1,000,000 max opening deposit | 2.90% | $315 |
| 18 monthsEarly withdrawal penalty may apply; $1,000,000 max opening deposit | 3.00% | $453 |
| 24 monthsEarly withdrawal penalty may apply; $1,000,000 max opening deposit | 3.00% | $609 |
| 36 monthsEarly withdrawal penalty may apply; $1,000,000 max opening deposit | 3.00% | $927 |
| 48 monthsEarly withdrawal penalty may apply; $1,000,000 max opening deposit | 2.85% | $1,190 |
| 60 monthsEarly withdrawal penalty may apply; $1,000,000 max opening deposit | 1.65% | $853 |
Sources (2)
- loyaltrustbank.com/personal-ba…l-certificate-of-deposit
- loyaltrustbank.com/wp-content/…Aug-3-Rate-Sheet-LTB.pdf
All captured Sep 19, 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.