Bank · FDIC insured
The Clay City Banking Co. CD Rates
The Clay City Banking Co.’s best CD rate is 4.06% APY on a 13-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How The Clay City Banking Co.’s CD rates compare
Compared with banks and credit unions in Illinois, where The Clay City Banking Co. has the most branches. $10,000, best rate first.
This bank’s best
The Clay City Banking Co.
4.06%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $441
CD Specials
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
The Clay City Banking Co. CD score
85
CD score
Higher than 71% of U.S. banks and credit unions
- 3–8 months3–8 mo3.44%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo3.70%
- 31–60 months31–60 mo3.60%
- QualifiedQualified4.06%
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 The Clay City Banking Co. 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.
CD Specials
4.06%APY · 1 term
Offered for a limited time. Penalty for early withdrawal. Minimum opening deposit of $500.00 required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsOffered for a limited time. Penalty for early withdrawal. APYs on certificates are based on actual days per month/per year and quarterly compounding | 4.06% | $441 |
Sources (1)
- claycitybanking.bank/services-tools/tools/rates.html · captured Sep 25, 2026
Certificates of Deposit
Up to 3.70%APY · 8 terms
Returns may be higher than regular savings for the length of the term. Terms range from 3 months to 5 years. Early withdrawal penalties apply. FDIC insured up to $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty for early withdrawal. APYs on certificates are based on actual days per month/per year and quarterly compounding | 3.34% | $82 |
| 6 monthsPenalty for early withdrawal. APYs on certificates are based on actual days per month/per year and quarterly compounding | 3.44% | $171 |
| 12 monthsPenalty for early withdrawal. APYs on certificates are based on actual days per month/per year and quarterly compounding | 3.60% | $360 |
| 18 monthsPenalty for early withdrawal. APYs on certificates are based on actual days per month/per year and quarterly compounding | 3.65% | $552 |
| 24 monthsPenalty for early withdrawal. APYs on certificates are based on actual days per month/per year and quarterly compounding | 3.70% | $754 |
| 30 monthsPenalty for early withdrawal. APYs on certificates are based on actual days per month/per year and quarterly compounding | 3.60% | $924 |
| 48 monthsPenalty for early withdrawal. APYs on certificates are based on actual days per month/per year and quarterly compounding | 3.60% | $1,520 |
| 60 monthsPenalty for early withdrawal. APYs on certificates are based on actual days per month/per year and quarterly compounding | 3.60% | $1,934 |
Special-purpose accounts
Individual Retirement Account (IRA) Certificates of Deposit
Up to 3.65%APY · 3 terms
Funds can be used to purchase CDs within IRA. Traditional and Roth IRA options. No setup fees, no monthly or annual maintenance fees. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFixed rate. Penalty for early withdrawal. APYs on certificates are based on actual days per month/per year and quarterly compounding | 3.60% | $360 |
| 18 monthsVariable rate certificate; rate is subject to change quarterly (3-31, 6-30, 9-30, 12-31). Penalty for early withdrawal. APYs on certificates are based on actual days per month/per year and quarterly compounding | 3.65% | $552 |
| 30 monthsFixed rate. Penalty for early withdrawal. APYs on certificates are based on actual days per month/per year and quarterly compounding | 3.60% | $924 |
Sources (2)
- claycitybanking.bank/personal/…ement-accounts-iras.html
- claycitybanking.bank/services-tools/tools/rates.html
All captured Sep 25, 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.