Bank · FDIC insured
Magnolia Bank CD Rates
Magnolia Bank’s best CD rate is 3.80% APY on an 18-month CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Magnolia Bank’s CD rates compare
Compared with banks and credit unions near Elizabethtown, KY, where Magnolia Bank has the most branches. $10,000, best rate first.
This bank’s best
Magnolia Bank
3.80%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $575
Certificates of Deposit
Top rate
Lincoln National Bank
4.65%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $505
2nd-highest rate
Bank of Buffalo
4.60%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $499
Magnolia Bank CD score
80
CD score
Higher than 51% of U.S. banks and credit unions
- 3–8 months3–8 mo3.45%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.80%
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 Magnolia 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 3.80%APY · 8 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.45% | $171 |
| 9 months | 3.55% | $265 |
| 12 months | 3.65% | $365 |
| 18 months | 3.80% | $575 |
| 24 months | 3.51% | $714 |
| 36 months | 3.25% | $1,007 |
| 48 months | 0.60% | $242 |
| 60 months | 0.60% | $304 |
Special-purpose accounts
Individual Retirement Accounts
Up to 3.80%APY · 8 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.45% | $171 |
| 9 months | 3.55% | $265 |
| 12 months | 3.65% | $365 |
| 18 months | 3.80% | $575 |
| 24 months | 3.51% | $714 |
| 36 months | 3.25% | $1,007 |
| 48 months | 0.60% | $242 |
| 60 months | 0.60% | $304 |
Sources (1)
- magnoliabank.com/rates · captured Sep 19, 2026
Student Saver CD
2.50%APY · 1 term
Available to minors and full-time students up to age 23.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable to minors and full-time students up to age 23 | 2.50% | $250 |
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.