Bank · FDIC insured
The Commercial & Savings Bank CD Rates
The Commercial & Savings Bank’s best CD rate is 1.56% APY on a 5-year CD. Terms run from 1 month to 5 years. Rates checked October 6, 2026.
How The Commercial & Savings Bank’s CD rates compare
Compared with banks and credit unions near Wooster, OH, where The Commercial & Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
The Commercial & Savings Bank
1.56%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $805
Certificates of Deposit (CD)
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
The Commercial & Savings Bank CD score
61
CD score
Higher than 5% of U.S. banks and credit unions
- 3–8 months3–8 mo0.55%
- 9–15 months9–15 mo0.85%
- 16–30 months16–30 mo0.95%
- 31–60 months31–60 mo1.56%
- QualifiedQualified1.56%
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 Commercial & 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 (CD)
Up to 1.56%APY · 9 terms
Fixed rate CD terms from 30 days to 5 years. No monthly service fee. Interest compounds monthly. Penalty for early withdrawal may be imposed. 30-day Savers CD allows deposits at any time throughout the life of the account.
| Term | APY · $250 – $2,500 | APY · $500 and up | APY · $2,500 – $100,000 | APY · $100,000 – $250,000 | APY · Over $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 1 month30 Day Savers CD allows deposits at any time throughout the life of the account. Early withdrawal penalty: $50 or 7 days interest on amount withdrawn, whichever is greater | 0.15% | — | 0.20% | 0.23% | 0.28% | 0.20%0.15% $250–$2.5k0.23% $100k–$250k0.28% from $250k | $2 |
| 3 months91 Day CD. Early withdrawal penalty: 90 days interest on amount withdrawn | — | 0.45% | — | — | — | 0.45% | $11 |
| 6 months182 Day CD. Early withdrawal penalty: 90 days interest on amount withdrawn | — | 0.55% | — | — | — | 0.55% | $27 |
| 12 months1 Year CD. Early withdrawal penalty: 180 days interest on amount withdrawn | — | 0.85% | — | — | — | 0.85% | $85 |
| 18 months18 Month CD. Early withdrawal penalty: 180 days interest on amount withdrawn | — | 0.90% | — | — | — | 0.90% | $135 |
| 24 months2 Year CD. Early withdrawal penalty: 180 days interest on amount withdrawn | — | 0.95% | — | — | — | 0.95% | $191 |
| 36 months3 Year CD. Early withdrawal penalty: 365 days interest on amount withdrawn | — | 1.16% | — | — | — | 1.16% | $352 |
| 48 months4 Year CD. Early withdrawal penalty: 365 days interest on amount withdrawn | — | 1.36% | — | — | — | 1.36% | $555 |
| 60 months5 Year CD. Early withdrawal penalty: 365 days interest on amount withdrawn | — | 1.56% | — | — | — | 1.56% | $805 |
Special-purpose accounts
CD Specials
Up to 4.15%APY · 3 terms
There is a $500 minimum deposit to open the CD and earn the APY. Fixed rates. At maturity, 5-Month CD renews to a 91-day CD term, 11-Month CD renews to a 182-day CD term, and 25-Month CD renews to a 2-year CD term. 5-Month CD Special is not available to IRA customers. 11-month and 25-Month CD specials are available to IRA customers. Limited time offer. Substantial penalty for early withdrawal. Monthly compounding. Reserving the right to accept deposits only from local market area; no brokered deposits.
| Term | APY · $500 – $100,000 | APY · $100,000 – $250,000 | APY · Over $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 5 monthsFixed rate. Renews to a 91-day CD term at maturity. Not available for IRAs | 3.92% | 3.92% | 3.92% | 3.92%3.92% $100k–$250k3.92% from $250k | $162 |
| 11 monthsFixed rate. Renews to a 182-day CD term at maturity | 4.05% | 4.05% | 4.05% | 4.05%4.05% $100k–$250k4.05% from $250k | $371 |
| 25 monthsFixed rate. Renews to a 2-year CD term at maturity | 4.15% | 4.15% | 4.15% | 4.15%4.15% $100k–$250k4.15% from $250k | $884 |
Sources (1)
- csb1.com/deposit-rates · captured Sep 26, 2026
IRA CD Specials
Up to 4.15%APY · 2 terms
All Certificate of Deposit (CD) rates listed are fixed rates. There is a $500 minimum deposit to open the CD and earn the APY. At maturity, the 11-Month CD will renew to a 182-day CD term, and the 25-Month CD will renew to a 2-year CD term at the then current rates, terms, and conditions. Limited time offer. Substantial penalty for early withdrawal. Monthly compounding.
| Term | APY · $500 – $100,000 | APY · $100,000 – $250,000 | APY · Over $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 11 monthsFixed rate. Renews to a 182-day CD term at maturity | 4.05% | 4.05% | 4.05% | 4.05%4.05% $100k–$250k4.05% from $250k | $371 |
| 25 monthsFixed rate. Renews to a 2-year CD term at maturity | 4.15% | 4.15% | 4.15% | 4.15%4.15% $100k–$250k4.15% from $250k | $884 |
Sources (1)
- csb1.com/deposit-rates · captured Sep 26, 2026
IRA CD Terms
Up to 1.56%APY · 8 terms
Available for Individual Retirement Accounts (IRAs). Penalty for early withdrawal may be imposed. Interest compounds monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day CD. Early withdrawal penalty: 90 days interest on amount withdrawn | 0.45% | $11 |
| 6 months182 Day CD. Early withdrawal penalty: 90 days interest on amount withdrawn | 0.55% | $27 |
| 12 months1 Year Variable CD. Early withdrawal penalty: 180 days interest on amount withdrawn | 0.85% | $85 |
| 18 months18 Month CD. Early withdrawal penalty: 180 days interest on amount withdrawn | 0.90% | $135 |
| 24 months2 Year CD. Early withdrawal penalty: 180 days interest on amount withdrawn | 0.95% | $191 |
| 36 months3 Year CD. Early withdrawal penalty: 365 days interest on amount withdrawn | 1.16% | $352 |
| 48 months4 Year CD. Early withdrawal penalty: 365 days interest on amount withdrawn | 1.36% | $555 |
| 60 months5 Year CD. Early withdrawal penalty: 365 days interest on amount withdrawn | 1.56% | $805 |
Sources (1)
- csb1.com/deposit-rates · captured Sep 26, 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.