Bank · FDIC insured
Miami Savings Bank CD Rates
Miami Savings Bank’s best CD rate is 4.00% APY on a 15-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Miami Savings Bank’s CD rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Miami Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Miami Savings Bank
4.00%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $502
Certificates of Deposit
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
Miami Savings Bank CD score
70
CD score
Higher than 26% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo0.30%
- 31–60 months31–60 mo0.75%
- QualifiedQualified4.00%
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 Miami Savings 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 4.00%APY · 12 terms
Minimum balance required to earn interest. A penalty may be imposed for early withdrawal. Interest calculated on a continuous basis and paid monthly or quarterly. Interest rates are variable rates. At our discretion, all rates are subject to change. Automatic renewal after 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm 91 Days | 2.00% | $50 |
| 6 months | 0.15% | $7 |
| 9 months | 0.20% | $15 |
| 10 months | 0.20% | $17 |
| 12 months | 0.20% | $20 |
| 15 months | 4.00% | $502 |
| 18 months | 0.20% | $30 |
| 19 months | 0.30% | $48 |
| 24 months | 0.30% | $60 |
| 36 months | 0.40% | $120 |
| 48 months | 0.50% | $202 |
| 60 months | 0.75% | $381 |
Sources (2)
- miamisavings.bank/personal/dep…s/personal-deposit-rates
- miamisavings.bank/personal/deposit-products/savings
All captured Oct 6, 2026
Special-purpose accounts
Individual Retirement Accounts (IRA)
0.20%APY · 1 term
Minimum balance required to earn interest. A penalty may be imposed for early withdrawal. Interest calculated on a continuous basis and paid monthly or quarterly. All rates are subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 0.20% | $30 |
Sources (1)
- miamisavings.bank/personal/dep…s/personal-deposit-rates · 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.