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Best CD rates in Kokomo, IN
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Kokomo, IN
- PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 1 branch
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.25%APY$681 over 19 months on $10,000with conditions
Requirements
Product: Not available for Public Funds, Financial Institutions, or Individual Retirement Accounts. Maximum opening CD amount is $250,000. Automatically renews into an 18 month CD at maturity.
Offer: Includes 0.20% bonus for opening and/or maintaining a FFBT checking account with a $1,000 minimum daily balance therein.
Qualified rate · Balance cap $250,000 · Effective Oct 5, 2026
Rate checked
More details - 4.11%APY$516 over 15 months on $10,000
Requirements
Product: A penalty may be imposed for any CD withdrawals before maturity. Fees may reduce earnings on account.
4.05% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.10%APY$271 over 8 months on $10,000intro rate
Requirements
Product: New money only. Min deposit of $1000. CDs subject to penalty for early withdrawal.
Offer: New money only.
Promotional rate
Rate checked
More details - 4.05%APY$234 over 7 months on $10,000intro rate
Requirements
Product: FDIC-insured. Minimum opening deposit is generally $500. Early withdrawal penalty applies.
Offer: Limited-time offer. Must be opened with money not currently on deposit at Horizon Bank. Automatically renews to a 6-month fixed-rate CD. Penalty for early withdrawal.
Promotional rate · Effective Sep 29, 2026
Rate checked
More details - 4.05%APY$439 over 13 months on $10,000
Requirements
Product: Early withdrawal penalties may apply.
3.98% interest rate · Effective Aug 20, 2026
Rate checked
More details - 4.05%APY$439 over 13 months on $10,000
Requirements
Product: Add funds at any time. Early withdrawal penalty may apply: 3 months interest on highest balance for 7-month CD, 6 months interest on highest balance for 13-month CD.
Offer: Renews into 12 months at maturity. Allows 2 withdrawals during the term with a Member Service representative as long as at least $5,000 remains in the CD.
3.98% interest rate · Effective Aug 20, 2026
Rate checked
More details - 3.90%APY$161 over 5 months on $10,000intro rate
Requirements
Product: Certificates can be used for regular savings. Minimum balance to open is $500. Dividends are compounded and credited monthly; daily balance method. Penalty for early withdrawal.
Offer: 5-month special will roll over to a 6-month term upon maturity. Special Certificates may require no internal transfer funding and/or a higher balance requirement.
Promotional rate · 3.83% interest rate
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000with conditions
Requirements
Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.
Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.
Qualified rate · Compounded daily · Balance cap $99,999.99 · Effective Sep 26, 2026
Rate checked
More details - 3.75%APY$471 over 15 months on $10,000with conditions
Requirements
Product: APY quoted requires an active STAR checking relationship. Penalty may apply for early withdrawal. APYs can change at any time.
Offer: APY quoted requires an active STAR checking relationship. Compound frequency monthly. Penalty may apply for early withdrawal.
Qualified rate · Effective May 27, 2026
Rate checked
More details - 3.55%APY$325 over 11 months on $10,000with conditions
Requirements
Product: Not available for Public Funds, Financial Institutions, or Individual Retirement Accounts. Maximum opening CD amount is $250,000. Only one CD per tax identification number. Deposits may be made throughout the term but cannot exceed the initial deposit amount. One penalty-free withdrawal allowed after 30 days from account opening. Automatically renews into a 12 month CD at maturity.
Offer: Reflects 0.20% bonus for opening and/or maintaining an FFBT checking account with a $1,000 minimum daily balance therein. Interest paid monthly.
Qualified rate · Balance cap $250,000 · Effective Jan 6, 2026
Rate checked
More details - 3.50%APY$712 over 24 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal. Rates are subject to change at any time and are not guaranteed.
3.45% interest rate · Effective Feb 1, 2026
Rate checked
More details - 3.25%APY$1,734 over 60 months on $10,000
Requirements
Product: CDs subject to penalty for early withdrawal. Minimum deposit of $500.
Effective Sep 30, 2026
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More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
Rate checked
More details - CITY OF FIRSTS COMMUNITY FEDERAL CREDIT UNIONShare CertificateCD · 12 months · $500 min
Credit union · 1 branch
2.78%APY$278 over 1 year on $10,000Requirements
Product: Early withdrawal penalties may be assessed on CDs/IRAs for withdrawals prior to maturity. All rates and yields are subject to change without notice.
Offer: Early withdrawal penalties may be assessed for withdrawals prior to maturity.
2.75% interest rate
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Kokomo, IN
104 CDs at 12 banks and credit unions · checked Oct 15–22
- Typical
- 2.75%
- Top 10% from
- 3.97%
- Banks, typical
- 2.50%
- Credit unions, typical
- 2.79%
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Kokomo, IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Haynes Community FCUCredit union · 1 branch
- Security Federal Savings BankBank · 2 branches