Best CD Rates in Lawrence, Indiana, IN

You are viewing rates from banks across Lawrence

Below are the best one-year CD Rates from banks in Lawrence, Indiana. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

Lawrence, IN - August 2, 2025

1 Year CD National Average : 0.55% ^?

Banks	APY	MIN	MILES ^?
Merchants Bank of Indiana Merchants Bank Of Indiana Branch	4.86% 3.75%	$1,001 $1,000	-	Learn More
Flex index CD. Based on Prime minus 2.75%. Subject to change anytime. Rate History: 5.65% → 5.92% → 5.13% → 4.86%
65JimmyJay \| Dec 12, 2022 Developed buyers remorse after they stopped raising the rate and switched to Brilliant. Read More Reviews (5)
FCN Bank, National Association Fcn Bank, National Association Branch	4.50%	$1,000	-	Learn More Add Review
Popular Direct	4.40%	$10,000	-	Learn More Add Review
Warning: Early Withdrawal Penalty is 270 days interest. Rate History: 4.50% → 4.40% → 4.30% → 4.25% → 4.40%
Neil \| Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More
TotalDirect, a division of City National Bank of Florida	4.25%	$25,000	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 5.35% → 4.50% → 4.46% → 4.41% → 4.25%
79Thru \| Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More
Limelight Bank, A division of Capital Community Bank	4.25%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.90% → 4.75% → 4.50% → 4.40% → 4.25%
Savvysaver \| Jun 26, 2020 Rate not current Read More
Sallie Mae Bank	4.20%	$2,500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.10% → 4.00% → 4.25% → 4.40% → 4.20%
HAL1975 \| Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More Reviews (40)
First Internet Bank of Indiana First Internet Bank Of Indiana Branch	4.19%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.84% → 4.42% → 4.20% → 4.40% → 4.19%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Vio Bank, A Division of MidFirst Bank	3.85%	$500	-	Learn More Add Review
Rate History: 4.20% → 4.00% → 4.15% → 4.00% → 3.85%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Truist Bank Charlestown Crossing Branch	3.75%	$1,000	-	Learn More
Rate History: 3.00% → 3.50% → 4.00% → 3.55% → 3.75%
Customer \| Jul 28, 2022 Not at all happy with Truist compared to BB+T. New transaction policy makes them painfully slow. Paying .01 % interest on money market accounts, 13 week T Bill's are around $2.5%.I hope that they are enj... Read More Reviews (6)
Logansport Savings Bank Logansport Savings Bank Branch	3.75%	$1,000	-	Learn More Add Review
Rate History: 3.25% → 4.00% → 3.75%
First Federal Savings Bank First Federal Savings Bank Branch	3.55% 2.78%	$500 $5,000	-	Learn More Add Review
Rate History: 4.84% → 4.32% → 4.06% → 3.81% → 3.55%
Fifth Third Bank, National Association Batesville Branch	3.49% 0.01%	$5,000 $500	-	Learn More
Rate History: 4.70% → 4.00% → 4.30% → 3.30% → 3.49%
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)
First Robinson Savings Bank, National Association Vincennes Branch	3.02%	$0	-	Learn More Add Review
Rate History: 2.02% → 2.52% → 3.02%
BMO Alto, a division of Bank of Montreal Harris	3.00%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.50% → 4.30% → 4.20% → 3.90% → 3.00%
Jenny Kingston \| Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More
Woodforest National Bank Aurora Wal-Mart Branch	2.50%	$500	-	Learn More
Rate History: 3.00% → 2.75% → 2.50% → 4.25% → 2.50%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
State Bank of Medora State Bank Of Medora Branch	2.22%	$500	-	Learn More Add Review
Rate History: 4.70% → 4.60% → 4.18% → 2.22%
JPMorgan Chase Bank, National Association Bloomington In Main Branch	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 3.50% → 3.25% → 3.00% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Centier Bank Crown Point Downtown Branch	2.00%	$1,000	-	Learn More Add Review
Wells Fargo Bank, National Association Monticello Branch	2.00%	$25,000	-	Learn More
Rate History: 2.00% → 1.50% → 3.25% → 2.00%
Thy King \| Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More Reviews (7)
BMO Bank National Association East Jefferson Street Branch	1.25%	$1,000	-	Learn More
Rate History: 2.00% → 4.65% → 2.00% → 1.50% → 1.25%
Beenthere \| Jan 29, 2024 Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More Reviews (9)
Lake City Bank Ligonier Downtown Branch	1.00%	$1,000	-	Learn More Add Review
Bedford Federal Savings Bank Bedford Federal Savings Bank Branch	0.90%	$100,000	-	Learn More Add Review
The First National Bank of Monterey The First National Bank Of Monterey Branch	0.85%	$1,000	-	Learn More Add Review
Community First Bank of Indiana Community First Bank Of Indiana Branch	0.75%	$1,000	-	Learn More Add Review
Bedford Federal Savings Bank Bedford Federal Savings Bank Branch	0.75%	$10,000	-	Learn More Add Review
First Federal Savings Bank First Federal Savings Bank Branch	0.60%	$10,000	-	Learn More Add Review
Greenfield Banking Company Greenfield Banking Company Branch	0.60%	$1,000	-	Learn More Add Review
Rate History: 0.60% → 0.35% → 0.60% → 4.25% → 0.60%
Kentland Bank Kentland Bank Branch	0.60%	$100,000	-	Learn More Add Review
United Fidelity Bank, fsb United Fidelity Bank, Fsb Branch	0.60%	$10,000	-	Learn More Add Review
First State Bank of Porter First State Bank Of Porter Branch	0.60%	$100,000	-	Learn More Add Review
Field & Main Bank Burkhardt Branch	0.60%	$10,000	-	Learn More Add Review
The Campbell & Fetter Bank Albion Main Branch	0.55%	$10,000	-	Learn More Add Review
Community State Bank Community State Bank Branch	0.55%	$500	-	Learn More Add Review
The Home National Bank of Thorntown The Home National Bank Of Thorntown Branch	0.55%	$100,000	-	Learn More Add Review
The First National Bank of Carmi Mount Vernon Branch	0.55%	$10,000	-	Learn More Add Review
Union Savings Bank Indianapolis Branch	0.50%	$10,000	-	Learn More
Patty \| Mar 21, 2020 Well here comes good old Union Savings the absolute worst bank to deal with in the world again today. We have no money coming in right now so we did not send in the mortgage payment yet because our family ... Read More Reviews (2)
The Home National Bank of Thorntown The Home National Bank Of Thorntown Branch	0.50%	$1,000	-	Learn More Add Review
The Napoleon State Bank The Napoleon State Bank Branch	0.50%	$100,000	-	Learn More Add Review
Alliance Bank Alliance Bank Branch	0.50%	$100,000	-	Learn More Add Review
Tri-County Bank & Trust Company Tri-County Bank & Trust Company Branch	0.50%	$10,000	-	Learn More Add Review
First Bank Richmond First Bank Richmond Branch	0.50%	$10,000	-	Learn More Add Review
The Farmers Bank of Milton Madison In Branch	0.50%	$100,000	-	Learn More Add Review
First State Bank of Porter First State Bank Of Porter Branch	0.50%	$10,000	-	Learn More Add Review
Peoples Trust and Savings Bank Peoples Trust And Savings Bank Branch	0.50%	$10,000	-	Learn More Add Review
Bath State Bank The Bath State Bank Branch	0.46%	$100,000	-	Learn More Add Review
The Napoleon State Bank The Napoleon State Bank Branch	0.45%	$10,000	-	Learn More Add Review
Kentland Bank Kentland Bank Branch	0.45%	$10,000	-	Learn More Add Review
The Friendship State Bank The Friendship State Bank Branch	0.45%	$10,000	-	Learn More Add Review
Old Plank Trail Community Bank, National Association First National Bank Of Illinois Bran Branch	0.45%	$10,000	-	Learn More Add Review
The Farmers & Merchants State Bank Butler Branch	0.43%	$100,000	-	Learn More Add Review
Peoples Community Bank SB of Monticello, Indiana Peoples Savings And Loan Association Branch	0.40%	$2,500	-	Learn More Add Review
Fowler State Bank Fowler State Bank Branch	0.40%	$500	-	Learn More Add Review
The Farmers Bank, Frankfort, Indiana The Farmers Bank, Frankfort, Indiana Branch	0.40%	$10,000	-	Learn More Add Review
The North Salem State Bank The North Salem State Bank Branch	0.40%	$10,000	-	Learn More Add Review
The Peoples State Bank The Peoples State Bank Branch	0.40%	$10,000	-	Learn More
CatLT \| Mar 25, 2021 Stay away from this bank. I have never dealt with a bank that was so hard to deal with. It’s like pulling teeth to withdraw your own money. Read More Reviews (1)
Stock Yards Bank & Trust Company Austin Branch	0.40%	$500	-	Learn More Add Review
The New Washington State Bank The New Washington State Bank Branch	0.40%	$10,000	-	Learn More Add Review
Bath State Bank The Bath State Bank Branch	0.40%	$10,000	-	Learn More Add Review
Wayne Bank and Trust Co. Wayne Bank And Trust Co. Branch	0.40%	$10,000	-	Learn More Add Review
First Federal Savings Bank First Federal Savings Bank Branch	0.40%	$100,000	-	Learn More Add Review
The Farmers Bank of Milton Madison In Branch	0.40%	$500	-	Learn More Add Review
Providence Bank & Trust Dyer Office Branch	0.40%	$10,000	-	Learn More Add Review
Republic Bank & Trust Company Republic Bank & Trust Company Branch	0.35%	$10,000	-	Learn More
JEKuhn \| May 20, 2017 I received a check from them, misplaced it and now have found. Two years old. What now? Read More Reviews (1)
Alliance Bank Alliance Bank Branch	0.35%	$10,000	-	Learn More Add Review
Owen County State Bank Owen County State Bank Branch	0.35%	$100,000	-	Learn More Add Review
Bank of Wolcott Bank Of Wolcott Branch	0.35%	$10,000	-	Learn More
JohnFerrell \| Jan 18, 2024 Very rude!!!’ The only time they care about anyone is if you are a business they don’t care about the little guy!!! Read More Reviews (3)
Crossroads Bank Crossroads Bank Branch	0.35%	$10,000	-	Learn More Add Review
Banterra Bank Newburgh - 4100 Branch	0.35%	$10,000	-	Learn More Add Review
The Farmers & Merchants State Bank Butler Branch	0.31%	$10,000	-	Learn More Add Review
Spencer County Bank Spencer County Bank Branch	0.30%	$2,500	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.30%	$1,000	-	Learn More Add Review
RTN1949 \| Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More
Hoosier Heartland State Bank Farmers State Bank Branch	0.30%	$10,000	-	Learn More Add Review
Freedom Bank Freedom Bank Branch	0.30%	$10,000	-	Learn More Add Review
Union Savings and Loan Association Union Savings And Loan Association Branch	0.30%	$10,000	-	Learn More Add Review
First Federal Savings Bank First Federal Savings Bank Branch	0.30%	$10,000	-	Learn More Add Review
DeMotte State Bank Morocco Branch	0.30%	$10,000	-	Learn More Add Review
First Savings Bank of Hegewisch 7048 Kennedy Ave Br Branch	0.30%	$10,000	-	Learn More Add Review
Peoples Bank Liberty Savings Bank Branch	0.30%	$100,000	-	Learn More Add Review
First Federal Savings Bank of Angola First Federal Savings Bank Of Angola Branch	0.26%	$10,000	-	Learn More Add Review
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 181 days interest.
UtahJazz1 \| Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More
The Hicksville Bank Auburn Banking Ctr Branch Of The Hic	0.25%	$500	-	Learn More Add Review
The Riddell National Bank The Riddell National Bank Branch	0.25%	$500	-	Learn More Add Review
Legence Bank Virginia Street Branch	0.25%	$1,000	-	Learn More Add Review
1st Source Bank Mishawaka Main Office Branch	0.25%	$500	-	Learn More Add Review
The Garrett State Bank The Garrett State Bank Branch	0.25%	$10,000	-	Learn More Add Review
Horizon Bank Horizon Bank Branch	0.25%	$10,000	-	Learn More Add Review
Farmers and Merchants Bank Farmers And Merchants Bank Branch	0.25%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association of Greensburg First Federal Savings And Loan Assoc Branch	0.25%	$10,000	-	Learn More Add Review
The Farmers and Merchants Bank The Farmers And Merchants Bank Branch	0.25%	$10,000	-	Learn More Add Review
First Farmers Bank & Trust Co. The Citizens Exchange Bank Branch	0.25%	$100,000	-	Learn More Add Review
Owen County State Bank Owen County State Bank Branch	0.25%	$10,000	-	Learn More Add Review
Community State Bank Community State Bank Branch	0.25%	$10,000	-	Learn More Add Review
First Financial Bank, National Association First Financial Bank, National Association Branch	0.25%	$100,000	-	Learn More Add Review
Springs Valley Bank & Trust Company Springs Valley Bank & Trust Company Branch	0.25%	$10,000	-	Learn More Add Review
The Fairmount State Bank The Fairmount State Bank Branch	0.25%	$10,000	-	Learn More Add Review
Grant County State Bank Sweetser Branch	0.25%	$10,000	-	Learn More Add Review
Scottsburg Building and Loan Association Scottsburg Building And Loan Associa Branch	0.25%	$10,000	-	Learn More Add Review
Peoples Bank Liberty Savings Bank Branch	0.25%	$10,000	-	Learn More Add Review
LNB Community Bank Lnb Community Bank Branch	0.25%	$10,000	-	Learn More Add Review
Boonville Federal Savings Bank Boonville Federal Savings Bank Branch	0.25%	$10,000	-	Learn More Add Review
Security Federal Savings Bank Security Federal Savings Bank Branch	0.23%	$10,000	-	Learn More Add Review
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
wertlkgt \| Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More
First Harrison Bank Palmyra Branch	0.20%	$2,500	-	Learn More
vernon Wayne Coats \| Sep 26, 2015 Very Polite and Helpful tellers and Managers. Excellent to deal with. Read More Reviews (1)
Home Bank SB Home Bank Sb Branch	0.20%	$10,000	-	Learn More Add Review
The Bippus State Bank The Bippus State Bank Branch	0.20%	$10,000	-	Learn More Add Review
Horizon Bank Horizon Bank Branch	0.20%	$10,000	-	Learn More Add Review
Jackson County Bank Jackson County Bank Branch	0.20%	$100,000	-	Learn More Add Review
CentreBank Centrebank Branch	0.20%	$10,000	-	Learn More Add Review
First Savings Bank Odon Branch	0.20%	$10,000	-	Learn More
William Read \| Apr 1, 2020 We had a terrible experience with Extreme Loan we were refinancing our home on home on March 6, 2020. We were told that we would be locked in at 3% with no closing costs or points. My mortgage representati... Read More Reviews (1)
WesBanco Bank, Inc. Scott County State Bank Branch	0.20%	$10,000	-	Learn More Add Review
First Financial Bank, National Association First Financial Bank, National Association Branch	0.20%	$10,000	-	Learn More Add Review
The National Bank of Indianapolis The National Bank Of Indianapolis Branch	0.20%	$100,000	-	Learn More Add Review
American Community Bank of Indiana American Community Bank Of Indiana Branch	0.20%	$10,000	-	Learn More Add Review
Hendricks County Bank and Trust Company Hendricks County Bank And Trust Comp Branch	0.18%	$100,000	-	Learn More Add Review
The Fountain Trust Company The Fountain Trust Company Branch	0.17%	$1,000	-	Learn More Add Review
Banco Bilbao Vizcaya Argenteria	0.15%	$500	-	Learn More Add Review
The Duffster \| May 21, 2018 I wish I had never heard of or seen BBVA. It has been a disaster. Came to this site to find something else. Read More
The Farmers State Bank Winchester Brance Branch	0.15%	$1,000	-	Learn More Add Review
Citizens Bank Citizens Bank Branch	0.15%	$500	-	Learn More Add Review
Jackson County Bank Jackson County Bank Branch	0.15%	$10,000	-	Learn More Add Review
First Merchants Bank Middletown Branch	0.15%	$100,000	-	Learn More
Squittyrules83 \| Sep 6, 2022 DO NOT TRUST THIS BANK. I caught them Ted handed trying to hold my funds through various methods even going so far as to not allow me to transfer my funds to another bank. I've been banking with them for... Read More Reviews (4)
Old National Bank Old National Bank Branch	0.15%	$10,000	-	Learn More
jefflockwoodlaw2288@gmail.com \| Jul 18, 2021 I have a neighbor whose mortgage is with ONB. I am licensed to practice law but I am not writing this review as a lawyer, but rather as a heads up if your spouse should happen to die while you owe any mone... Read More Reviews (2)
The State Bank and Trust Company Fort Wayne Branch	0.15%	$10,000	-	Learn More Add Review
Greenville National Bank Losantville Branch	0.15%	$10,000	-	Learn More Add Review
First National Bank First National Bank Branch	0.15%	$10,000	-	Learn More Add Review
Terre Haute Savings Bank Terre Haute Savings Bank Branch	0.15%	$10,000	-	Learn More Add Review
Community State Bank Community State Bank Branch	0.15%	$500	-	Learn More Add Review
First State Bank of Middlebury First State Bank Of Middlebury Branch	0.15%	$100,000	-	Learn More Add Review
Hendricks County Bank and Trust Company Hendricks County Bank And Trust Comp Branch	0.15%	$10,000	-	Learn More Add Review
First State Bank of Middlebury First State Bank Of Middlebury Branch	0.12%	$10,000	-	Learn More Add Review
Farmers State Bank Farmers State Bank Branch	0.10%	$10,000	-	Learn More Add Review
First Bank of Berne First Bank Of Berne Branch	0.10%	$1,000	-	Learn More Add Review
Mutual Savings Bank Mutual Savings Bank Branch	0.10%	$10,000	-	Learn More Add Review
First Merchants Bank Middletown Branch	0.10%	$10,000	-	Learn More
Squittyrules83 \| Sep 6, 2022 DO NOT TRUST THIS BANK. I caught them Ted handed trying to hold my funds through various methods even going so far as to not allow me to transfer my funds to another bank. I've been banking with them for... Read More Reviews (4)
First Financial Bank Hartford City Branch	0.10%	$10,000	-	Learn More Add Review
STAR Financial Bank Elwood/Star Branch	0.10%	$10,000	-	Learn More Add Review
Citizens State Bank of New Castle, Indiana Citizens State Bank Of New Castle, Indiana Branch	0.10%	$10,000	-	Learn More Add Review
First Farmers Bank & Trust Co. The Citizens Exchange Bank Branch	0.10%	$10,000	-	Learn More Add Review
The National Bank of Indianapolis The National Bank Of Indianapolis Branch	0.10%	$10,000	-	Learn More Add Review
KeyBank National Association Martinsville Branch	0.05%	$2,500	-	Learn More
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
U.S. Bank National Association Midtown Branch	0.05%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
Regions Bank Marion Main Branch	0.03% 0.01%	$2,501 $2,500	-	Learn More Add Review
State Bank of Lizton State Bank Of Lizton Branch	0.03%	$1,000	-	Learn More Add Review
PNC Bank, National Association Auburn Branch	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10007

Branch	Street	City	State
Merchants Bank of Indiana Merchants Bank Of Indiana Branch	11555 N. Meridian Street, Suite 400	Carmel	IN
FCN Bank, National Association Fcn Bank, National Association Branch	501 Main Street	Brookville	IN
First Internet Bank of Indiana First Internet Bank Of Indiana Branch	11201 Usa Parkway	Fishers	IN
Truist Bank Charlestown Crossing Branch	4210 Charlestown Road	New Albany	IN
Merchants Bank of Indiana Merchants Bank Of Indiana Branch	11555 N. Meridian Street, Suite 400	Carmel	IN
Logansport Savings Bank Logansport Savings Bank Branch	723 East Broadway	Logansport	IN
First Federal Savings Bank First Federal Savings Bank Branch	301 East 9th Street	Rochester	IN
Fifth Third Bank, National Association Batesville Branch	1 Batesville Shopping Village	Batesville	IN
First Robinson Savings Bank, National Association Vincennes Branch	615 Kimmel Road	Vincennes	IN
First Federal Savings Bank First Federal Savings Bank Branch	301 East 9th Street	Rochester	IN
Woodforest National Bank Aurora Wal-Mart Branch	100 Sycamore Estates Drive	Aurora	IN
State Bank of Medora State Bank Of Medora Branch	24 E Main St	Medora	IN
JPMorgan Chase Bank, National Association Bloomington In Main Branch	100 South College Avenue	Bloomington	IN
Centier Bank Crown Point Downtown Branch	117 East Joliet Street	Crown Point	IN
Wells Fargo Bank, National Association Monticello Branch	119 North Main Street	Monticello	IN
BMO Bank National Association East Jefferson Street Branch	110 East Jefferson Street	Tipton	IN
Lake City Bank Ligonier Downtown Branch	222 South Cavin Street	Ligonier	IN
Bedford Federal Savings Bank Bedford Federal Savings Bank Branch	1030 15th Street	Bedford	IN
The First National Bank of Monterey The First National Bank Of Monterey Branch	6222 E. Main Street	Monterey	IN
Community First Bank of Indiana Community First Bank Of Indiana Branch	201 West Sycamore Street	Kokomo	IN
Bedford Federal Savings Bank Bedford Federal Savings Bank Branch	1030 15th Street	Bedford	IN
First Federal Savings Bank First Federal Savings Bank Branch	5001 Davis Lant Drive	Evansville	IN
Greenfield Banking Company Greenfield Banking Company Branch	1920 North State Street	Greenfield	IN
Kentland Bank Kentland Bank Branch	111 North Fourth Street	Kentland	IN
United Fidelity Bank, fsb United Fidelity Bank, Fsb Branch	18 Nw Fourth Street	Evansville	IN
First State Bank of Porter First State Bank Of Porter Branch	230 Lincoln Street	Porter	IN
Field & Main Bank Burkhardt Branch	1020 North Burkhardt Road	Evansville	IN
The Campbell & Fetter Bank Albion Main Branch	304 South Orange Street	Albion	IN
Community State Bank Community State Bank Branch	244 West Main	Brook	IN
The Home National Bank of Thorntown The Home National Bank Of Thorntown Branch	117 East Main Street	Thorntown	IN
The First National Bank of Carmi Mount Vernon Branch	450 Southwind Plaza	Mount Vernon	IN
Union Savings Bank Indianapolis Branch	5881 E. 82nd St	Indianapolis	IN
The Home National Bank of Thorntown The Home National Bank Of Thorntown Branch	117 East Main Street	Thorntown	IN
The Napoleon State Bank The Napoleon State Bank Branch	8912 N Ushwy 421	Napoleon	IN
Alliance Bank Alliance Bank Branch	101 West Montgomery Street	Francesville	IN
Tri-County Bank & Trust Company Tri-County Bank & Trust Company Branch	18 East Washington Street	Roachdale	IN
First Bank Richmond First Bank Richmond Branch	20 North 9th Street	Richmond	IN
The Farmers Bank of Milton Madison In Branch	133 Cliffty Drive	Madison	IN
First State Bank of Porter First State Bank Of Porter Branch	230 Lincoln Street	Porter	IN
Peoples Trust and Savings Bank Peoples Trust And Savings Bank Branch	132 South Third Street	Boonville	IN
Bath State Bank The Bath State Bank Branch	3095 Bath Road	Bath	IN
The Napoleon State Bank The Napoleon State Bank Branch	8912 N Ushwy 421	Napoleon	IN
Kentland Bank Kentland Bank Branch	111 North Fourth Street	Kentland	IN
The Friendship State Bank The Friendship State Bank Branch	5908 E Main Street	Friendship	IN
Old Plank Trail Community Bank, National Association First National Bank Of Illinois Bran Branch	1101 Joliet Street	Dyer	IN
The Farmers & Merchants State Bank Butler Branch	200 South Broadway	Butler	IN
Peoples Community Bank SB of Monticello, Indiana Peoples Savings And Loan Association Branch	126 Constitution Plz	Monticello	IN
Fowler State Bank Fowler State Bank Branch	300 East 5th Street	Fowler	IN
The Farmers Bank, Frankfort, Indiana The Farmers Bank, Frankfort, Indiana Branch	9 East Clinton Street	Frankfort	IN
The North Salem State Bank The North Salem State Bank Branch	7 North Broadway Street	North Salem	IN
The Peoples State Bank The Peoples State Bank Branch	601 East Temperance Street	Ellettsville	IN
Stock Yards Bank & Trust Company Austin Branch	275 Highway 31 North	Austin	IN
The New Washington State Bank The New Washington State Bank Branch	402 E Main Street	New Washington	IN
Bath State Bank The Bath State Bank Branch	3095 Bath Road	Bath	IN
Wayne Bank and Trust Co. Wayne Bank And Trust Co. Branch	145 West Main Street	Cambridge City	IN
First Federal Savings Bank First Federal Savings Bank Branch	648 N Jefferson St	Huntington	IN
The Farmers Bank of Milton Madison In Branch	133 Cliffty Drive	Madison	IN
Providence Bank & Trust Dyer Office Branch	14785 West 101st Avenue	Dyer	IN
Republic Bank & Trust Company Republic Bank & Trust Company Branch	3141 Highway 62	Jeffersonville	IN
Alliance Bank Alliance Bank Branch	101 West Montgomery Street	Francesville	IN
Owen County State Bank Owen County State Bank Branch	201 West Morgan Street	Spencer	IN
Bank of Wolcott Bank Of Wolcott Branch	105 North Range Street	Wolcott	IN
Crossroads Bank Crossroads Bank Branch	1205 N Cass Street	Wabash	IN
Banterra Bank Newburgh - 4100 Branch	3811 Haley Drive	Newburgh	IN
The Farmers & Merchants State Bank Butler Branch	200 South Broadway	Butler	IN
Spencer County Bank Spencer County Bank Branch	55 North L J Koch Blvd.	Santa Claus	IN
Hoosier Heartland State Bank Farmers State Bank Branch	100 N. Main Street	New Ross	IN
Freedom Bank Freedom Bank Branch	1405 North Main Street	Huntingburg	IN
Union Savings and Loan Association Union Savings And Loan Association Branch	730 Central Avenue	Connersville	IN
First Federal Savings Bank First Federal Savings Bank Branch	648 N Jefferson St	Huntington	IN
DeMotte State Bank Morocco Branch	Main And State Streets	Morocco	IN
First Savings Bank of Hegewisch 7048 Kennedy Ave Br Branch	7048 Kennedy Avenue	Hammond	IN
Peoples Bank Liberty Savings Bank Branch	1904 Indianapolis Blvd	Whiting	IN
First Federal Savings Bank of Angola First Federal Savings Bank Of Angola Branch	212 E Maumee	Angola	IN
The Hicksville Bank Auburn Banking Ctr Branch Of The Hic	1130 W 15th St	Auburn	IN
The Riddell National Bank The Riddell National Bank Branch	1 East National Avenue	Brazil	IN
Legence Bank Virginia Street Branch	7325 East Virginia Street	Evansville	IN
1st Source Bank Mishawaka Main Office Branch	101 Lincolnway East	Mishawaka	IN
The Garrett State Bank The Garrett State Bank Branch	120 West King Street	Garrett	IN
Horizon Bank Horizon Bank Branch	515 Franklin Street	Michigan City	IN
Farmers and Merchants Bank Farmers And Merchants Bank Branch	6464 Merchants Drive	Laotto	IN
First Federal Savings and Loan Association of Greensburg First Federal Savings And Loan Assoc Branch	212 N Franklin St	Greensburg	IN
The Farmers and Merchants Bank The Farmers And Merchants Bank Branch	302 South Old Us Highway 41	Boswell	IN
First Farmers Bank & Trust Co. The Citizens Exchange Bank Branch	102 South Main Street	Fairmount	IN
Owen County State Bank Owen County State Bank Branch	201 West Morgan Street	Spencer	IN
Community State Bank Community State Bank Branch	101 N Chicago St	Royal Center	IN
First Financial Bank, National Association First Financial Bank, National Association Branch	One First Financial Plz	Terre Haute	IN
Springs Valley Bank & Trust Company Springs Valley Bank & Trust Company Branch	8482 West State Road 56	French Lick	IN
The Fairmount State Bank The Fairmount State Bank Branch	101 North Main Street	Fairmount	IN
Grant County State Bank Sweetser Branch	3988 West Delphi Road	Sweetser	IN
Scottsburg Building and Loan Association Scottsburg Building And Loan Associa Branch	306 West Mcclain Street	Scottsburg	IN
Peoples Bank Liberty Savings Bank Branch	1904 Indianapolis Blvd	Whiting	IN
LNB Community Bank Lnb Community Bank Branch	215 North Main Street	Lynnville	IN
Boonville Federal Savings Bank Boonville Federal Savings Bank Branch	123 N Third Street	Boonville	IN
Security Federal Savings Bank Security Federal Savings Bank Branch	314 Fourth St	Logansport	IN
First Harrison Bank Palmyra Branch	710 Main Street	Palmyra	IN
Home Bank SB Home Bank Sb Branch	59 West Washington Street	Martinsville	IN
The Bippus State Bank The Bippus State Bank Branch	150 Hauenstein Road	Huntington	IN
Horizon Bank Horizon Bank Branch	515 Franklin Street	Michigan City	IN
Jackson County Bank Jackson County Bank Branch	125 South Chestnut Street	Seymour	IN
CentreBank Centrebank Branch	126-128 North Main Street	Veedersburg	IN
First Savings Bank Odon Branch	501 West Main Street	Odon	IN
WesBanco Bank, Inc. Scott County State Bank Branch	125 West Mcclain Avenue	Scottsburg	IN
First Financial Bank, National Association First Financial Bank, National Association Branch	One First Financial Plz	Terre Haute	IN
The National Bank of Indianapolis The National Bank Of Indianapolis Branch	107 North Pennsylvania Street	Indianapolis	IN
American Community Bank of Indiana American Community Bank Of Indiana Branch	7880 Wicker Avenue	Saint John	IN
Hendricks County Bank and Trust Company Hendricks County Bank And Trust Comp Branch	1 East Main Street	Brownsburg	IN
The Fountain Trust Company The Fountain Trust Company Branch	615 3rd St	Covington	IN
The Farmers State Bank Winchester Brance Branch	930 E Washington St	Winchester	IN
Citizens Bank Citizens Bank Branch	33 North Indiana Street	Mooresville	IN
Jackson County Bank Jackson County Bank Branch	125 South Chestnut Street	Seymour	IN
First Merchants Bank Middletown Branch	790 W Mill Street	Middletown	IN
Old National Bank Old National Bank Branch	1 Main Street	Evansville	IN
The State Bank and Trust Company Fort Wayne Branch	12832 Coldwater Road	Fort Wayne	IN
Greenville National Bank Losantville Branch	9700 South Us 35	Losantville	IN
First National Bank First National Bank Branch	302 South Main Street	Cloverdale	IN
The Hometown Savings Bank Terre Haute Savings Bank Branch	533 Ohio Street	Terre Haute	IN
Community State Bank Community State Bank Branch	802 East Albion Street	Avilla	IN
First State Bank of Middlebury First State Bank Of Middlebury Branch	111 South Main Street	Middlebury	IN
Hendricks County Bank and Trust Company Hendricks County Bank And Trust Comp Branch	1 East Main Street	Brownsburg	IN
First State Bank of Middlebury First State Bank Of Middlebury Branch	111 South Main Street	Middlebury	IN
Farmers State Bank Farmers State Bank Branch	220 South Detroit Street	Lagrange	IN
First Bank of Berne First Bank Of Berne Branch	102 West Main Street	Berne	IN
Mutual Savings Bank Mutual Savings Bank Branch	80 East Jefferson Street	Franklin	IN
First Merchants Bank Middletown Branch	790 W Mill Street	Middletown	IN
First Financial Bank Hartford City Branch	101 West Washington Street	Hartford City	IN
STAR Financial Bank Elwood/Star Branch	125 South Anderson Street	Elwood	IN
Citizens State Bank of New Castle, Indiana Citizens State Bank Of New Castle, Indiana Branch	1238 Broad Street	New Castle	IN
First Farmers Bank & Trust Co. The Citizens Exchange Bank Branch	102 South Main Street	Fairmount	IN
The National Bank of Indianapolis The National Bank Of Indianapolis Branch	107 North Pennsylvania Street	Indianapolis	IN
KeyBank National Association Martinsville Branch	76 South Main Street	Martinsville	IN
U.S. Bank National Association Midtown Branch	536 Central Avenue	Connersville	IN
Regions Bank Marion Main Branch	402 South Washington Street	Marion	IN
State Bank State Bank Of Lizton Branch	206 North State Street	Lizton	IN
PNC Bank, National Association Auburn Branch	101 North Main Street	Auburn	IN
Regions Bank Marion Main Branch	402 South Washington Street	Marion	IN
Fifth Third Bank, National Association Batesville Branch	1 Batesville Shopping Village	Batesville	IN

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PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2025

A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

CD Terms

The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.

CD Risk

Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.

Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.

How Interest is Paid

The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.

Interest Rate

Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch bank are:

Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
CDs provide a predictable, set rate of return.
Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of branch-based CDs are:

The deposited money is committed for a certain period of time and can only be withdrawn with substantial penalties.
One year CDs from branch banks often pay less interest than from online banks. Please see those rates here.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

SAVINGS & CD CALCULATOR

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PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2025

CD Terms

CD Risk

How Interest is Paid

Interest Rate

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch bank are:

The disadvantages of branch-based CDs are:

SAVINGS & CD CALCULATOR

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