Bank · FDIC insured
PBT Bancorp CD Rates
Top CarrotPBT Bancorp’s best CD rate is 4.32% APY on a 15-month CD. Terms run from 1 month to 4 years. Rates checked October 22, 2026.
How PBT Bancorp’s CD rates compare
Compared with banks and credit unions near Richmond, KY, where PBT Bancorp has the most branches. $10,000, best rate first.
This bank’s best
PBT Bancorp
4.32%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $543
IRVINE 15 MONTH
Top rate
Commonwealth Credit Union
5.00%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $1,025
2nd-highest rate
Central Bank
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
PBT Bancorp CD score
92
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.32%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo2.25%
- QualifiedQualified4.32%
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 PBT Bancorp 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.
IRVINE 15 MONTH
4.32%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 months | 4.32% | $543 |
Sources (1)
- pbtb.com/Rates-Fees/Deposit-Rates · captured Sep 19, 2026
Certificates of Deposit
Up to 4.25%APY · 10 terms
Interest is compounded and credited at maturity unless paid by check. Daily balance method applies. Early withdrawal penalty applies depending on term. Automatically renewable with 10-day grace period. Jumbo rate requires a minimum balance of $100,000.
| Term | APY · $500 – $100,000 | APY · $500 and up | APY · $10,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 1 monthEarly withdrawal penalty: Loss of interest | — | — | 0.05% | — | 0.05% | $0 |
| 3 monthsJumbo rate requiring minimum balance of $100,000. Early withdrawal penalty: One month's interest | — | — | — | 0.15% | —0.15% from $100k | — |
| 3 monthsStandard rate for balances under $100,000. Early withdrawal penalty: One month's interest | 0.10% | — | — | — | 0.10% | $2 |
| 6 monthsJumbo rate requiring minimum balance of $100,000. Early withdrawal penalty: Three months' interest | — | — | — | 0.25% | —0.25% from $100k | — |
| 6 monthsStandard rate for balances under $100,000. Early withdrawal penalty: Three months' interest | 0.20% | — | — | — | 0.20% | $10 |
| 7 months | — | 4.25% | — | — | 4.25% | $246 |
| 12 monthsEarly withdrawal penalty: Six months' interest | — | 4.25% | — | — | 4.25% | $425 |
| 15 monthsJumbo rate requiring minimum balance of $100,000 | — | — | — | 4.25% | —4.25% from $100k | — |
| 15 monthsStandard rate for balances under $100,000 | 4.05% | — | — | — | 4.05% | $509 |
| 18 monthsJumbo rate requiring minimum balance of $100,000 | — | — | — | 4.25% | —4.25% from $100k | — |
| 18 monthsStandard rate for balances under $100,000 | 4.05% | — | — | — | 4.05% | $614 |
| 24 monthsJumbo rate requiring minimum balance of $100,000. Early withdrawal penalty: Six months' interest | — | — | — | 1.25% | —1.25% from $100k | — |
| 24 monthsStandard rate for balances under $100,000. Early withdrawal penalty: Six months' interest | 1.00% | — | — | — | 1.00% | $201 |
| 36 monthsJumbo rate requiring minimum balance of $100,000. Early withdrawal penalty: Six months' interest | — | — | — | 2.00% | —2.00% from $100k | — |
| 36 monthsStandard rate for balances under $100,000. Early withdrawal penalty: Six months' interest | 1.75% | — | — | — | 1.75% | $534 |
| 48 monthsJumbo rate requiring minimum balance of $100,000. Early withdrawal penalty: Six months' interest | — | — | — | 2.50% | —2.50% from $100k | — |
| 48 monthsStandard rate for balances under $100,000. Early withdrawal penalty: Six months' interest | 2.25% | — | — | — | 2.25% | $931 |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
Individual Retirement Time Deposits
Up to 4.25%APY · 5 terms
Available for Traditional IRA, Roth IRA, and CESA (Coverdell Education Savings Account). If you are a new IRA/Roth customer .25% APY will be added to each term amount listed. Early withdrawal penalty may be imposed on Time Deposits.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsApplies to IRA, ROTH, and CESA. New IRA/Roth customers receive an additional +0.25% APY. Jumbo >$100K interest rate is 3.94% | 4.00% | $606 |
| 24 monthsApplies to IRA, ROTH, and CESA. New IRA/Roth customers receive an additional +0.25% APY. Jumbo >$100K interest rate is 3.99% | 4.05% | $826 |
| 36 monthsApplies to IRA, ROTH, and CESA. New IRA/Roth customers receive an additional +0.25% APY. Jumbo >$100K interest rate is 4.04% | 4.10% | $1,281 |
| 48 monthsApplies to IRA, ROTH, and CESA. New IRA/Roth customers receive an additional +0.25% APY. Jumbo >$100K interest rate is 4.09% | 4.15% | $1,766 |
| 60 monthsApplies to IRA, ROTH, and CESA. New IRA/Roth customers receive an additional +0.25% APY. Jumbo >$100K interest rate is 4.18% | 4.25% | $2,313 |
Sources (2)
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.