Certificate of Deposit Rates
Current Interest Rates
Citizens Bank & Trust of Lebanon offers competitive interest rates on Certificates of Deposit (CDs) to help your savings grow. All interest rates are subject to change daily. Please see the table below for our current rates, effective as of July 13, 2026.
| CD Product / Term | Interest Rate | APY * |
|---|---|---|
| Regular Certificates of Deposit | ||
| 1 Month Certificate of Deposit | 0.75% | 0.75% |
| 3 Month Certificate of Deposit | 1.10% | 1.10% |
| 6 Month Certificate of Deposit | 1.20% | 1.20% |
| 1 Year Certificate of Deposit | 1.25% | 1.25% |
| 2 Year Certificate of Deposit | 1.40% | 1.40% |
| 3 Year Certificate of Deposit | 1.90% | 1.91% |
| 4 Year Certificate of Deposit | 2.15% | 2.16% |
| 5 Year Certificate of Deposit | 2.30% | 2.31% |
| Small-Savers Certificates of Deposit | ||
| 18 Month Small-Savers C.D. | 1.35% | 1.35% |
| 30 Month Small-Savers C.D. | 1.50% | 1.51% |
| Special Certificates of Deposit (with Minimum Balances) | ||
| NEW! 7 Month C.D. ($50,000 min.) | 3.00% | 3.02% |
| 8 Month C.D. ($10,000 min.) | 1.50% | 1.50% |
| 8 Month C.D. ($50,000 min.) | 2.00% | 2.01% |
| NEW! 12 Month C.D. ($50,000 min.) | 3.50% | 3.53% |
| 15 Month C.D. ($100,000 min.) | 3.24% | 3.25% |
| 18 Month C.D. ($10,000 min.) | 1.90% | 1.91% |
| 24 Month C.D. ($10,000 min.) | 2.10% | 2.11% |
| 30 Month C.D. ($10,000 min.) | 2.25% | 2.26% |
| Retirement / Individual Retirement Accounts (IRA) | ||
| IRA 18 Month Variable C.D. | 1.75% | 1.76% |
* APY = Annual Percentage Yield. Current interest rates are subject to change daily.
Substantial Penalty for Early Withdrawal.
You can have your interest check direct deposited into your checking or savings account at no charge.
Annual percentage yield calculation based on a semi-annual interest payment for terms of 1 year or more. Annual percentage yield calculation based on interest paid at maturity for terms less than 1 year.
MEMBER FDIC