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Cecilian Bank Rates & Review November 2026

Q: What are the current interest rates at Cecilian Bank?

Current rates for Cecilian Bank include: 12-Month CD: 3.50%, 18-Month CD: 3.85%, 24-Month CD: 3.85%, 36-Month CD: 3.85%, 48-Month CD: 3.85%, 60-Month CD: 3.85%, Savings: 0.20%, MMA: 1.76%

Q: What CD terms does Cecilian Bank offer?

Cecilian Bank CD rates are 3.50% APY for a 12 month CD, 3.85% APY for an 18 month CD, 3.85% APY for a 2 year CD, 3.85% APY for a 27 month CD, 3.85% APY for a 30 month CD, 3.85% APY for a 3 year CD, 3.85% APY for a 4 year CD and 3.85% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Cecilian Bank for its full lineup.

Q: How many branches does Cecilian Bank operate?

Cecilian Bank currently maintains approximately 19 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Cecilian Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Cecilian Bank's Long Term Deposit - CD (CDs) - Fixed 24 mo. rates are at 3.85%, Long Term Deposit - CD (CDs) - Fixed 27 mo. rates are at 3.85%, Long Term Deposit - CD (CDs) - Fixed 30 mo. rates are at 3.85%, Long Term Deposit - CD (CDs) - Fixed 36 mo. rates are at 3.85%, Long Term Deposit - CD (CDs) - Fixed 48 mo. rates are at 3.85%. Cecilian Bank's savings rates are at 0.20%. Cecilian Bank's money market rates are at 1.76%. Cecilian Bank's checking rates are as high as 0.50%. Cecilian Bank's top CD rate of 3.85% APY on a 2 year CD is 31% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Cecilian Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.60%. Rates last updated and verified on 11/05/2026.

Cecilian Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Cecilian Bank? Share your experience about Cecilian Bank by leaving a review below, or read customer reviews before you decide to use Cecilian Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.60%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

The Cecilian Bank

104 E Main St
Cecilia, KY 42724

https://www.thececilianbank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Cecilian Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
IRA Fixed 18 mo.	3.94%	4.00%	18 months	$100
Min Deposit $100 Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 20, 20264.00%▲ from 3.75% Sep 8, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
IRA Fixed 24 mo.	3.94%	4.00%	24 months	$100
Min Deposit $100 Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 20, 20264.00%▲ from 3.75% Sep 8, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
IRA Fixed 30 mo.	3.94%	4.00%	30 months	$100
Min Deposit $100 Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 20, 20264.00%▲ from 3.75% Sep 8, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
IRA Fixed 36 mo.	3.94%	4.00%	36 months	$100
Min Deposit $100 Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 20, 20264.00%▲ from 3.75% Sep 8, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
IRA Fixed 48 mo.	3.94%	4.00%	48 months	$100
Min Deposit $100 Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 20, 20264.00%▲ from 3.75% Sep 8, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
IRA Fixed 60 mo.	3.94%	4.00%	60 months	$100
Min Deposit $100 Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 20, 20264.00%▲ from 3.75% Sep 8, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Long Term Deposit - CD (CDs) - Fixed 24 mo.	3.80%	3.85%	24 months	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Long Term Deposit - CD (CDs) - Fixed 27 mo.	3.80%	3.85%	27 months	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Long Term Deposit - CD (CDs) - Fixed 30 mo.	3.80%	3.85%	30 months	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Long Term Deposit - CD (CDs) - Fixed 36 mo.	3.80%	3.85%	36 months	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Long Term Deposit - CD (CDs) - Fixed 48 mo.	3.80%	3.85%	48 months	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Long Term Deposit - CD (CDs) - Fixed 60 mo.	3.80%	3.85%	60 months	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Short Term CD - Fixed 18 mo.	3.80%	3.85%	18 months	$1,000
Min Deposit $1,000 Details Accurate As Of: October 20, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Short Term CD - Fixed 21 mo.	3.80%	3.85%	21 months	$1,000
Min Deposit $1,000 Details Accurate As Of: October 20, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
IRA Fixed 12 mo.	3.60%	3.65%	12 months	$100
Min Deposit $100 Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65% Oct 20, 20263.65%▼ from 3.75% Sep 8, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Short Term CD - Fixed 11 mo.	3.46%	3.50%	11 months	$1,000
Min Deposit $1,000 Details Accurate As Of: October 20, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Short Term CD - Fixed 12 mo.	3.46%	3.50%	12 months	$1,000
Min Deposit $1,000 Details Accurate As Of: October 20, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Short Term CD - Fixed 5 mo.	3.46%	3.50%	5 months	$1,000
Min Deposit $1,000 Details Accurate As Of: October 20, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Short Term CD - Fixed 6 mo.	3.46%	3.50%	6 months	$1,000
Min Deposit $1,000 Details Accurate As Of: October 20, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Short Term CD - Fixed 9 mo.	3.46%	3.50%	9 months	$1,000
Min Deposit $1,000 Details Accurate As Of: October 20, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Short Term CD - Fixed 3 mo.	2.48%	2.50%	3 months	$1,000
Min Deposit $1,000 Details Accurate As Of: October 20, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
IRA Fixed 3 mo.	0.05%	0.05%	3 months	$100
Min Deposit $100 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.05% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%

Cecilian Bank Savings Rates

Product	Rate	APY
Choice Savings Account	0.20%	0.20%
Min Deposit $50 Min Balance $50 Details Account Category: Personal Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.20% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Health Savings Account	0.04%	0.04%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 & Up; Account Category: Personal Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.04% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Health Savings Account	0.02%	0.02%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Account Category: Personal Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.02% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Health Savings Account	0.01%	0.01%
Min Deposit $100 Min Balance $0 Details Balance: $0 - $2,499.99; Account Category: Personal Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.01% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%

Cecilian Bank Money Market Rates

Product	Rate	APY
TGIF Money Market	1.75%	1.76%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 & Up; Account Category: Personal Last Updated 11/05/2026 Rate History 2 changes since Sep 8, 2026 · 1.76% → 1.76% ▼ 0.00 pts · high 1.76% / low 1.75% Oct 14, 20261.76%▲ from 1.75% Oct 7, 20261.75%▼ from 1.76% Sep 8, 20261.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
TGIF Money Market	1.50%	1.51%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Account Category: Personal Last Updated 11/05/2026 Rate History 2 changes since Sep 8, 2026 · 1.51% → 1.51% ▼ 0.00 pts · high 1.76% / low 1.51% Oct 14, 20261.51%▼ from 1.76% Oct 7, 20261.76%▲ from 1.51% Sep 8, 20261.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
TGIF Money Market	1.25%	1.26%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Account Category: Personal Last Updated 11/05/2026 Rate History 2 changes since Sep 8, 2026 · 1.26% → 1.26% ▼ 0.00 pts · high 1.51% / low 1.26% Oct 14, 20261.26%▼ from 1.51% Oct 7, 20261.51%▲ from 1.26% Sep 8, 20261.26%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
TGIF Money Market	1.00%	1.00%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Account Category: Personal Last Updated 11/05/2026 Rate History 2 changes since Sep 8, 2026 · 1.00% → 1.00% ▼ 0.00 pts · high 1.26% / low 1.00% Oct 14, 20261.00%▼ from 1.26% Oct 7, 20261.26%▲ from 1.00% Sep 8, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
TGIF Money Market	0.25%	0.25%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Account Category: Personal Last Updated 11/05/2026 Rate History 2 changes since Sep 8, 2026 · 0.25% → 0.25% ▼ 0.00 pts · high 1.00% / low 0.25% Oct 14, 20260.25%▼ from 1.00% Oct 7, 20261.00%▲ from 0.25% Sep 8, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
TGIF Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $1,000 Details Balance: $1,000 - $2,499.99; Account Category: Personal Last Updated 11/05/2026 Rate History 2 changes since Sep 8, 2026 · 0.10% → 0.10% ▼ 0.00 pts · high 0.25% / low 0.10% Oct 14, 20260.10%▼ from 0.25% Oct 7, 20260.25%▲ from 0.10% Sep 8, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%

Cecilian Bank Business Money Market Rates

Product	Rate	APY	View More
Business Partner Money Market	0.50%	0.50%
Min Deposit $10,000 Min Balance $10,000 Details Account Category: Business Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 0.25% → 0.50% ▲ 0.25 pts · high 0.50% / low 0.25% Oct 20, 20260.50%▲ from 0.25% Sep 8, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%

Cecilian Bank Checking Rates

Product	Rate	APY
Easy Money Investment Checking	0.50%	0.50%
Min Deposit $10,000 Min Balance $10,000 Details Account Category: Personal Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 0.25% → 0.50% ▲ 0.25 pts · high 0.50% / low 0.25% Oct 20, 20260.50%▲ from 0.25% Sep 8, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Choice Gold & Choice 50 Gold Checking	0.04%	0.04%
Min Deposit $100 Min Balance $1,000 Details Tier: 6; Account Category: Personal Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 0.01% → 0.04% ▲ 0.03 pts · high 0.04% / low 0.01% Oct 14, 20260.04%▲ from 0.01% Sep 8, 20260.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Community Partner Investment Checking	0.04%	0.04%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 & Up; Account Category: Business Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.04% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Choice Gold & Choice 50 Gold Checking	0.03%	0.03%
Min Deposit $100 Min Balance $1,000 Details Tier: 5; Account Category: Personal Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 0.01% → 0.03% ▲ 0.02 pts · high 0.03% / low 0.01% Oct 14, 20260.03%▲ from 0.01% Sep 8, 20260.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Community Partner Investment Checking	0.03%	0.03%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Account Category: Business Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.03% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Choice Gold & Choice 50 Gold Checking	0.02%	0.02%
Min Deposit $100 Min Balance $1,000 Details Tier: 4; Account Category: Personal Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 0.01% → 0.02% ▲ 0.01 pts · high 0.02% / low 0.01% Oct 14, 20260.02%▲ from 0.01% Sep 8, 20260.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Community Partner Investment Checking	0.02%	0.02%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Account Category: Business Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.02% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Choice Gold & Choice 50 Gold Checking	0.01%	0.01%
Min Deposit $100 Min Balance $1,000 Details Tier: Base Rate; Account Category: Personal Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.01% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Choice Plus Checking	0.01%	0.01%
Min Deposit $100 Min Balance $1,000 Details Account Category: Personal Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.01% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Community Partner Investment Checking	0.01%	0.01%
Min Deposit $100 Min Balance $1,000 Details Balance: $1,000 - $2,499.99; Account Category: Business Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.01% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Community Partner Investment Checking	0.01%	0.01%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Account Category: Business Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Community Partner Investment Checking	0.01%	0.01%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Account Category: Business Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
NOW Account Checking	0.01%	0.01%
Min Deposit $1,000 Min Balance $500 Details Account Category: Personal Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.01% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%

Cecilian Bank Business Checking Rates

Product	Rate	APY
Business Partner Investment Checking	0.04%	0.04%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 & Up; Account Category: Business Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.04% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Business Partner Investment Checking	0.03%	0.03%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Account Category: Business Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.03% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Business Partner Investment Checking	0.02%	0.02%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Account Category: Business Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.02% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Business Partner Investment Checking	0.01%	0.01%
Min Deposit $100 Min Balance $1,000 Details Balance: $1,000 - $2,499.99; Account Category: Business Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.01% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Business Partner Investment Checking	0.01%	0.01%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Account Category: Business Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Business Partner Investment Checking	0.01%	0.01%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Account Category: Business Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%

Cecilian Bank Other Rates

Product	Rate	Points	APY/APR
MAX 5 Index	0.10%	-	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Percentage: 2.94% of average Fed Fund Rate; Index: 3.4000% Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
MAX 5 Index	0.25%	-	0.25%
Min Balance $25,000 Details Balance: $25.000 - $99,999.99; Percentage: 7.35% of average Fed Fund Rate; Index: 3.4000% Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
MAX 5 Index	0.35%	-	0.35%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Percentage: 10.29% of average Fed Fund Rate; Index: 3.4000% Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
MAX 5 Index	0.70%	-	0.70%
Min Balance $250,000 Details Balance: $250,000 - $999,999.99; Percentage: 20.59% of average Fed Fund Rate; Index: 3.4000% Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
MAX 5 Index	0.75%	-	0.75%
Min Balance $1,000,000 Details Balance: $1,000,000 - $2,499,999.99; Percentage: 22.06% of average Fed Fund Rate; Index: 3.4000% Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
MAX 5 Index	1.00%	-	1.00%
Min Balance $2,500,000 Details Balance: $2,500,000 - $4,999,999.99; Percentage: 29.41% of average Fed Fund Rate; Index: 3.4000% Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
MAX 5 Index	1.25%	-	1.26%
Min Balance $5,000,000 Details Balance: $5,000,000 - $9,999,999.99; Percentage: 36.76% of average Fed Fund Rate; Index: 3.4000% Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
MAX 5 Index	2.00%	-	2.02%
Min Balance $10,000,000 Details Balance: $10,000,000 or more; Percentage: 58.82% of average Fed Fund Rate; Index: 3.4000% Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Power $avings Account	1.75%	-	1.76%
Min Deposit $50,000 Min Balance $50,000 Details Account Category: Personal and Business Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 1.51% → 1.76% ▲ 0.25 pts · high 1.76% / low 1.51% Oct 20, 20261.76%▲ from 1.51% Sep 8, 20261.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Cecilian Bank’s Texas Ratio stayed near 2.41% in Q3 2023 to 2.60% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.6B	2.60%	5.0	A+
March 31, 2026	$1.6B	2.57%	5.0	A+
December 31, 2025	$1.6B	2.52%	5.0	A+
September 30, 2025	$1.5B	2.98%	5.0	A+
June 30, 2025	$1.6B	2.17%	5.0	A+
March 31, 2025	$1.5B	2.67%	5.0	A+
December 31, 2024	$1.5B	2.84%	5.0	A+
September 30, 2024	$1.5B	2.63%	5.0	A+
June 30, 2024	$1.5B	3.14%	5.0	A+
March 31, 2024	$1.5B	2.67%	5.0	A+
December 31, 2023	$1.5B	2.60%	5.0	A+
September 30, 2023	$1.4B	2.41%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Cecilian Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Cecilian Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Cecilian Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Cecilian Bank

Website https://www.thececilianbank.com

Address 104 E Main St, Cecilia, KY 42724 · Hardin

Bank Holding Company PINE KNOB HOLDINGS LLC

FDIC Certificate # 8774

Regulator FDIC

Established May 1, 1903

FDIC Insurance Date January 1, 1934

Domestic Offices 19

Total Branches 19

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.60%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.6719%

Return on Equity (ROE)

16.1400%

Non-Performing Loans Ratio (NPL)

0.27%

Total Assets

$1,591,839,000

Total Deposits

$1,327,291,000

Equity Capital

$163,700,000

Net Income

$13,170,000

Headquarters

Cecilia

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Cecilian Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Cecilian Bank

Does Cecilian Bank offer CDs?

Yes. Cecilian Bank current CD rates include its Long Term Deposit - CD (CDs) - Fixed 24 mo. at 3.85% APY, its Long Term Deposit - CD (CDs) - Fixed 27 mo. at 3.85% APY and its Long Term Deposit - CD (CDs) - Fixed 30 mo. at 3.85% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Cecilian Bank FDIC insured?

Yes. Cecilian Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Cecilian Bank?

The highest Cecilian Bank CD rate is its IRA Fixed 18 mo. CD at 4.00% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Cecilian Bank offer?

Cecilian Bank CD rates are 3.50% APY for a 12 month CD, 3.85% APY for an 18 month CD, 3.85% APY for a 2 year CD, 3.85% APY for a 27 month CD, 3.85% APY for a 30 month CD, 3.85% APY for a 3 year CD, 3.85% APY for a 4 year CD and 3.85% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Cecilian Bank for its full lineup.

What is the highest savings rate at Cecilian Bank?

The highest Cecilian Bank savings rate is its Choice Savings Account at 0.20% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Cecilian Bank?

The highest Cecilian Bank money market rate is its TGIF Money Market at 1.76% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Cecilian Bank?

The highest Cecilian Bank checking rate is its Easy Money Investment Checking at 0.50% APY, verified by MonitorBankRates as of November 5, 2026.

How many branches does Cecilian Bank operate?

Cecilian Bank currently maintains approximately 19 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Cecilian Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cecilian Bank provides members with tools to manage their accounts and build a solid financial history.

Does Cecilian Bank offer online and mobile banking?

Most modern institutions like Cecilian Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.thececilianbank.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Cecilian Bank rates compare?

Cecilian Bank's top CD rate of 3.85% APY on a 2 year CD is 31% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A+ health rating. Cecilian Bank's top rates are its 18-Months IRA Fixed 18 mo. CD at 4.00% APY, its Choice Savings Account at 0.20% APY, its TGIF Money Market at 1.76% APY and its Easy Money Investment Checking at 0.50% APY, verified by MonitorBankRates on November 5, 2026.

Current Cecilian Bank Rates

12-Month CD3.50%
18-Month CD3.85%
24-Month CD3.85%
36-Month CD3.85%
48-Month CD3.85%
60-Month CD3.85%
Savings0.20%
MMA1.76%

Retrieved from our database of financial products. Rates subject to change.

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Cecilian Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Cecilian Bank Texas Ratio

Cecilian Bank Health Trend

Cecilian Bank CD Rates

Cecilian Bank Savings Rates

Cecilian Bank Money Market Rates

Cecilian Bank Business Money Market Rates

Cecilian Bank Checking Rates

Cecilian Bank Business Checking Rates

Cecilian Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Cecilian Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Cecilian Bank

Does Cecilian Bank offer CDs?

Are CDs from Cecilian Bank FDIC insured?

What is the highest CD rate at Cecilian Bank?

What CD terms does Cecilian Bank offer?

What is the highest savings rate at Cecilian Bank?

What is the highest money market rate at Cecilian Bank?

What is the highest checking rate at Cecilian Bank?

How many branches does Cecilian Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Cecilian Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Cecilian Bank rates compare?

Current Cecilian Bank Rates

Compare to Other Banks