Bank · FDIC insured
Warsaw Federal CD Rates
Top CarrotWarsaw Federal’s best CD rate is 4.15% APY on a 25-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Warsaw Federal’s CD rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Warsaw Federal has the most branches. $10,000, best rate first.
This bank’s best
Warsaw Federal
4.15%APY
- Term
- 25 months
- Minimum
- $500
- Earns on $10,000
- $884
25-Month CD Special
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
Warsaw Federal CD score
86
CD score
Higher than 74% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.95%
- 16–30 months16–30 mo4.15%
- 31–60 months31–60 mo3.03%
- QualifiedQualified4.15%
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 Warsaw Federal 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.
25-Month CD Special
4.15%APY · 1 term
Promotional rates available for new money only. New money is defined as money not currently on deposit with the bank. $500.00 minimum deposit to open. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 25 monthsPromotional rates available for new money only (money not currently on deposit with the bank) | 4.15% | $884 |
Sources (2)
All captured Oct 16, 2026
13-Month CD Special
3.95%APY · 1 term
Promotional rates available for new money only. New money is defined as money not currently on deposit with the bank. $500.00 minimum deposit to open. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsPromotional rates available for new money only (money not currently on deposit with the bank) | 3.95% | $429 |
Sources (2)
All captured Oct 16, 2026
7-Month CD Special
3.75%APY · 1 term
Promotional rates available for new money only. New money is defined as money not currently on deposit with the bank. $500.00 minimum deposit to open. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsPromotional rates available for new money only (money not currently on deposit with the bank) | 3.75% | $217 |
Sources (2)
All captured Oct 16, 2026
47-Month CD Special
3.03%APY · 1 term
Promotional rates available for new money only. New money is defined as money not currently on deposit with the bank. $500.00 minimum deposit to open. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 47 monthsPromotional rates available for new money only (money not currently on deposit with the bank) | 3.03% | $1,240 |
Sources (2)
All captured Oct 16, 2026
60-Month CD
0.65%APY · 1 term
*$500.00 Minimum deposit to open. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 months | 0.65% | $329 |
Sources (2)
All captured Oct 16, 2026
Jump Rate CD
0.55%APY · 1 term
$500 Minimum deposit to open. Early withdrawal penalties may apply. Allows jumping up to a higher interest rate one time after 6 months during the 27-month term if current rates rise. Renews for 24 months at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 27 monthsOpportunity to jump up to a higher interest rate one time during the 27-month term after 6 months if the current interest rate is higher. Renews for 24 months at maturity | 0.55% | $124 |
Sources (1)
- warsawfederal.bank/bank/certificates-of-deposit · captured Oct 16, 2026
24-Month CD
0.50%APY · 1 term
*$500.00 Minimum deposit to open. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 0.50% | $100 |
Sources (2)
All captured Oct 16, 2026
30-Month CD
0.45%APY · 1 term
*$500.00 Minimum deposit to open. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 months | 0.45% | $113 |
Sources (2)
All captured Oct 16, 2026
48-Month CD
0.45%APY · 1 term
*$500.00 Minimum deposit to open. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 months | 0.45% | $181 |
Sources (2)
All captured Oct 16, 2026
36-Month CD
0.40%APY · 1 term
*$500.00 Minimum deposit to open. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 0.40% | $120 |
Sources (2)
All captured Oct 16, 2026
18-Month CD
0.30%APY · 1 term
*$500.00 Minimum deposit to open. Early withdrawal penalties may apply. Renewal Term is 18 months for the 18 Month CD.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsRenewal term is 18 months | 0.30% | $45 |
Sources (2)
All captured Oct 16, 2026
DirectSave CD
0.30%APY · 1 term
*$250.00 Minimum deposit to open. Early withdrawal penalties may apply. Requires automatic electronic monthly deposits from a Warsaw Federal checking account ($25.00 minimum). Matures 6 months from open date and automatically renews.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRequires automatic electronic deposits from a Warsaw Federal checking account with at least one deposit per month ($25.00 minimum). Matures 6 months from the date opened with automatic renewal | 0.30% | $15 |
Sources (1)
- warsawfederal.bank/bank/certificates-of-deposit · captured Oct 16, 2026
12-Month CD
0.25%APY · 1 term
*$500.00 Minimum deposit to open. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.25% | $25 |
Sources (2)
All captured Oct 16, 2026
9-Month CD
0.25%APY · 1 term
*$500.00 Minimum deposit to open. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months | 0.25% | $19 |
Sources (2)
All captured Oct 16, 2026
6-Month CD
0.20%APY · 1 term
*$500.00 Minimum deposit to open. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.20% | $10 |
Sources (2)
All captured Oct 16, 2026
3-Month CD
0.10%APY · 1 term
*$500.00 Minimum deposit to open. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.10% | $2 |
Sources (2)
All captured Oct 16, 2026
Opening an account
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