Bank · FDIC insured
Sacramento Deposit Bank CD Rates
Sacramento Deposit Bank’s best CD rate is 3.90% APY on a 6-month CD. Terms run from 3 months to 4 years. Rates checked October 22, 2026.
How Sacramento Deposit Bank’s CD rates compare
Compared with banks and credit unions near Owensboro, KY, where Sacramento Deposit Bank has the most branches. $10,000, best rate first.
This bank’s best
Sacramento Deposit Bank
3.90%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $193
CDs
Top rate
Liberty FCU
4.25%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $317
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
Sacramento Deposit Bank CD score
76
CD score
Higher than 42% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo3.40%
- 16–30 months16–30 mo2.78%
- 31–60 months31–60 mo2.93%
- QualifiedQualified3.90%
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 Sacramento Deposit 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.
CDs
Up to 3.90%APY · 9 terms
| Term | APY · $100 and up | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months91-day term. Substantial penalty for early withdrawal. $5,000 minimum opening balance and minimum balance to obtain stated APY | — | — | 0.10% | 0.10% | $2 |
| 6 months182-day term. Substantial penalty for early withdrawal. $1,000 minimum opening balance and minimum balance to obtain stated APY | — | 3.90% | — | 3.90% | $193 |
| 11 monthsSubstantial penalty for early withdrawal. $1,000 minimum opening balance and minimum balance to obtain stated APY | — | 3.40% | — | 3.40% | $311 |
| 12 months12 Month TDOA CD. Substantial penalty for early withdrawal. $100 minimum opening balance and minimum balance to obtain stated APY | 2.88% | — | — | 2.88% | $288 |
| 12 monthsSubstantial penalty for early withdrawal. $1,000 minimum opening balance and minimum balance to obtain stated APY | — | 3.14% | — | 3.14% | $314 |
| 18 monthsSubstantial penalty for early withdrawal. $1,000 minimum opening balance and minimum balance to obtain stated APY | — | 2.68% | — | 2.68% | $405 |
| 24 monthsSubstantial penalty for early withdrawal. $1,000 minimum opening balance and minimum balance to obtain stated APY | — | 2.68% | — | 2.68% | $543 |
| 30 monthsSubstantial penalty for early withdrawal. $1,000 minimum opening balance and minimum balance to obtain stated APY | — | 2.78% | — | 2.78% | $710 |
| 36 monthsSubstantial penalty for early withdrawal. $1,000 minimum opening balance and minimum balance to obtain stated APY | — | 2.93% | — | 2.93% | $905 |
| 48 monthsSubstantial penalty for early withdrawal. $1,000 minimum opening balance and minimum balance to obtain stated APY | — | 1.71% | — | 1.71% | $702 |
Sources (1)
- sdbweb.com/current-rates · captured Oct 5, 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.