Bank · FDIC insured
Wayne Bank CD Rates
Wayne Bank’s best CD rate is 3.91% APY on a 14-month CD, with extra requirements. Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Wayne Bank’s CD rates compare
Compared with banks and credit unions near Richmond, IN, where Wayne Bank has the most branches. $10,000, best rate first.
This bank’s best
Wayne Bank
3.91%APY
- Term
- 14 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $458
Certificate of Deposit (CDs)
Top rate
Kemba Credit Union
4.35%APY
- Term
- 40 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,525
2nd-highest rate
Merchants Bank
4.08%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $408
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit (CDs)
Up to 3.91%APY · 9 terms
Options range from 182 days to 5 years. Opening minimum is $1,000.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months182 day certificate. A penalty may be imposed for early withdrawal. Interest compounds semiannually | 2.82% | $140 |
| 9 monthsA penalty may be imposed for early withdrawal. Interest compounds semiannually | 3.23% | $241 |
| 12 monthsA penalty may be imposed for early withdrawal. Interest compounds semiannually | 3.23% | $323 |
| 14 months*Upon maturity of the initial term, CD will renew as a 12-month CD. You must maintain an existing checking account or open a new checking account with a minimum opening deposit of $500. A penalty may be imposed for early withdrawal. Interest compounds semiannually | 3.91% | $458 |
| 18 monthsA penalty may be imposed for early withdrawal. Interest compounds semiannually | 3.28% | $496 |
| 24 monthsA penalty may be imposed for early withdrawal. Interest compounds semiannually | 3.28% | $667 |
| 36 monthsA penalty may be imposed for early withdrawal. Interest compounds semiannually | 3.28% | $1,017 |
| 48 monthsA penalty may be imposed for early withdrawal. Interest compounds semiannually | 3.23% | $1,356 |
| 60 monthsA penalty may be imposed for early withdrawal. Interest compounds semiannually | 3.18% | $1,694 |
Sources (2)
All captured Sep 24, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
Up to 3.28%APY · 6 terms
Offering both pre-tax dollar accounts (Traditional IRA) and after-tax dollar accounts (Roth IRA).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsA penalty may be imposed for early withdrawal. Interest compounds semiannually | 3.23% | $323 |
| 18 monthsA penalty may be imposed for early withdrawal. Interest compounds semiannually | 3.28% | $496 |
| 24 monthsA penalty may be imposed for early withdrawal. Interest compounds semiannually | 3.28% | $667 |
| 36 monthsA penalty may be imposed for early withdrawal. Interest compounds semiannually | 3.28% | $1,017 |
| 48 monthsA penalty may be imposed for early withdrawal. Interest compounds semiannually | 3.23% | $1,356 |
| 60 monthsA penalty may be imposed for early withdrawal. Interest compounds semiannually | 3.18% | $1,694 |
Sources (2)
All captured Sep 24, 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.