Deposit Rates

Explore our latest deposit interest rates and choose the best fit for you. 
Rates effective as of: 05/22/2025

5 Month CD

4.01% APY1

11 Month CD

3.87% APY1

25 Month CD

3.66% APY1


1 There is a $500 minimum deposit to open the CD and earn the Annual Percentage Yield (APY). At maturity, 5-Month CD will renew to a 91-day CD term, 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. The 5-Month CD Special is not available to IRA customers. The 11-month and 25-Month CD special are available to IRA customers. Limited time offer. Substantial penalty for early withdrawal.

checking

Amount Interest Rate Annual Percentage Yield (APY)
$1,000 & Above 0.10% 0.10%
 
Amount Interest Rate Annual Percentage Yield (APY)
$50 - $4,999.99 0.11%
 0.11%
$5,000 - $19,999.99 0.15% 0.15%
$20,000 - $49,999.99 0.24% 0.24%
$50,000 & Above 0.29% 0.29%
Amount Interest Rate Annual Percentage Yield (APY)
$1,000 & Above 0.10% 0.10%
 





savings

Amount Interest Rate Annual Percentage Yield (APY)
$5,000 - $19,999.99 0.25% 0.25%
$20,000 - $49,999.99 0.50% 0.50%
$50,000 - $99,999.99
 0.65% 0.65%
$100,000 - $249,999.99 1.00% 1.00%
$250,000 - $499,999.99 1.00% 1.00%
$500,000 - $999,999.99 1.25% 1.26%
$1,000,000 & Above 1.75% 1.76%
 
Amount Interest Rate Annual Percentage Yield (APY)
$10 - $19,999.99 0.10% 0.10%
$20,000 & Above 0.14% 0.14%
 
Amount Interest Rate Annual Percentage Yield (APY)
$0 - $99,999.99 0.25% 0.25%
$100,000 - $499,999.99 1.00% 1.00%
$500,000 - $999,999.99 1.25% 1.26%
$1,000,000 - $4,999,999.99 1.75% 1.76%
$5,000,000 & Above  Contact us for rates Contact us for rates
 
Amount Interest Rate Annual Percentage Yield (APY)
$10 - $19,999.99 0.10% 0.10%
$20,000 & Above 0.14% 0.14%
 
Amount Interest Rate Annual Percentage Yield (APY)
$0 - $5,000 0.10% 0.10%
 



Certificates of Deposit (Cds)

5 Month CD Special Interest Rate Annual Percentage Yield (APY)
$500 - $99,999.99 3.94% 4.01%
$100,000 - $250,000 3.94% 4.01%
$250,000.01 & Above 3.94% 4.01%
11 Month CD Special Interest Rate Annual Percentage Yield (APY)
$500 - $99,999.99 3.80% 3.87%
$100,000 - $250,000 3.80% 3.87%
$250,000.01 & Above 3.80% 3.87%
25 Month CD Special Interest Rate Annual Percentage Yield (APY)
$500 - $99,999.99 3.60% 3.66%
$100,000 - $250,000 3.60% 3.66%
$250,000.01 & Above 3.60% 3.66%

All Certificate of Deposit (CD) rates listed are fixed rates. There is a $500 minimum deposit to open the CD and earn the Annual Percentage Yield (APY). At maturity, 5-Month CD will renew to a 91-day CD term, 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. The 5-Month CD Special is not available to IRA customers. The 11-month and 25-Month CD special are available to IRA customers. Limited time offer. Substantial penalty for early withdrawal. 

30 Day Savers CD Interest Rate Annual Percentage Yield (APY)
$250 - $2,499.99
 0.15% 0.15%
$2,500 - $99,999.99
 0.20% 0.20%
$100,000 - $250,000
 0.23% 0.23%
$250,000.01 & Above
 0.28% 0.28%
 
91 Day CD Interest Rate Annual Percentage Yield (APY)
$500 & Above 0.45% 0.45%
 
182 Day CD Interest Rate Annual Percentage Yield (APY)
$500 & Above 0.55% 0.55%
 
1 Year CD Interest Rate Annual Percentage Yield (APY)
$500 & Above 0.85% 0.85%
 
18 Month CD Interest Rate Annual Percentage Yield (APY)
$500 & Above 0.90% 0.90%
 
2 Year CD Interest Rate Annual Percentage Yield (APY)
$500 & Above 0.95% 0.95%
 
3 Year CD Interest Rate Annual Percentage Yield (APY)
$500 & Above 1.15% 1.16%
 
4 Year CD Interest Rate Annual Percentage Yield (APY)
$500 & Above 1.35% 1.36%
 
5 Year CD Interest Rate Annual Percentage Yield (APY)
$500 & Above 1.55% 1.56%
Early Withdrawal Penalties may be imposed on certificates of deposit.
  • 30 - 364 Days: 90 days interest on amount withdrawn
  • 1 Year - Under 3 Years: 180 days interest on amount withdrawn
  • 3 Years & Over: 365 days interest on amount withdrawn
  • Savers CD: $50 or 7 days interest on amount withdrawn, whichever is greater.
  • Specific specials could have different penalties applied and would be disclosed on the Truth In Savings Disclosure given at the time of purchase.






individual retirement accounts (IRAs)

11 Month IRA CD Special Interest Rate Annual Percentage Yield (APY)
$1,000 - $99,999.99 3.80% 3.87%
$100,000 - $250,000 3.80% 3.87%
$250,000.01 & Above 3.80% 3.87%
25 Month IRA CD Special Interest Rate Annual Percentage Yield (APY)
$1,000 - $99,999.99 3.60% 3.66%
$100,000 - $250,000 3.60% 3.66%
$250,000.01 & Above 3.60% 3.66%

All Certificate of Deposit (CD) rates listed are fixed rates. There is a $1,000 minimum deposit to open the CD and earn the Annual Percentage Yield (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. 

91 Day CD Interest Rate Annual Percentage Yield (APY)
$500 & Above 0.45% 0.45%
 
182 Day CD Interest Rate Annual Percentage Yield (APY)
$500 & Above 0.55% 0.55%
 
1 Year Variable CD Interest Rate Annual Percentage Yield (APY)
$500 & Above 0.85% 0.85%
 
1 Year CD Interest Rate Annual Percentage Yield (APY)
$500 & Above 0.85% 0.85%
 
18 Month CD Interest Rate Annual Percentage Yield (APY)
$500 & Above 0.90% 0.90%
 
2 Year CD Interest Rate Annual Percentage Yield (APY)
$500 & Above 0.95% 0.95%
 
3 Year CD Interest Rate Annual Percentage Yield (APY)
$500 & Above 1.15% 1.16%
 
4 Year CD Interest Rate Annual Percentage Yield (APY)
$500 & Above 1.35% 1.36%
 
5 Year CD Interest Rate Annual Percentage Yield (APY)
$500 & Above 1.55% 1.56%
Early Withdrawal Penalties may be imposed on certificates of deposit.
  • 30 - 364 Days: 90 days interest on amount withdrawn
  • 1 Year - Under 3 Years: 180 days interest on amount withdrawn
  • 3 Years & Over: 365 days interest on amount withdrawn
  • Savers CD: $50 or 7 days interest on amount withdrawn, whichever is greater.
  • Specific specials could have different penalties applied and would be disclosed on the Truth In Savings Disclosure given at the time of purchase.















  • Rates may change daily at CSB's discretion.
  • Minimum balances shown are required to obtain the advertised annual percentage yield (APY). All APYs are calculated using $1,000.00 with monthly compounding interest. 
  • Fees could reduce the earnings on the account.
  • The Commercial & Savings Bank reserves the right to accept deposits from only its local market area. No brokered deposits.

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