The Cecilian Bank savings and CD rates
The Cecilian Bank's Power $avings Account advertises 1.76% APY. That is 1.38 percentage points above the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #619 of 3146 tracked savings rates by advertised APY.
The Cecilian Bank at a glance
| Savings | |
|---|---|
| Top savings APY | 1.76% · Power $avings Account |
| Minimum to open | $50,000 · Power $avings Account |
| Against the national average | 1.38 percentage points above the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 3.85% · 18 months · Fixed 18 Month CD |
| Minimum to open | $1,000 · 18 months CD |
| FDIC certificate | 8774 · Cecilia, KY |
|---|---|
| Website | www.thececilianbank.com |
| Branches | 19 branches in KY |
| Availability | Available in KY |
The Cecilian Bank savings and CD rates
Personal
IRA
Business
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.66%, and one account in ten advertises 4.20% or more. See the highest savings rates.
The Cecilian Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 3 months | 2.50% | $1,000 | Fixed 3 Month CD |
| 5 months | 3.50% | $1,000 | Fixed 5 Month CD |
| 6 months | 3.50% | $1,000 | Fixed 6 Month CD |
| 9 months | 3.50% | $1,000 | Fixed 9 Month CD |
| 11 months | 3.50% | $1,000 | Fixed 11 Month CD |
| 12 months | 3.50% | $1,000 | Fixed 12 Month CD |
| 18 months | 3.85% | $1,000 | Fixed 18 Month CD |
| 21 months | 3.85% | $1,000 | Fixed 21 Month CD |
| 24 months | 3.85% | $1,000 | Fixed 24 Month CD |
| 27 months | 3.85% | $1,000 | Fixed 27 Month CD |
| 30 months | 3.85% | $1,000 | Fixed 30 Month CD |
| 36 months | 3.85% | $1,000 | Fixed 36 Month CD |
| 48 months | 3.85% | $1,000 | Fixed 48 Month CD |
| 60 months | 3.85% | $1,000 | Fixed 60 Month CD |
| 72 months | 3.85% | $1,000 | Fixed 72 Month CD |
| IRA CDs | |||
| 3 months | 0.05% | $100 | Fixed 3 Month IRA CD |
| 12 months | 3.65% | $100 | Fixed 12 Month IRA CD |
| 18 months | 4.00% | $100 | Fixed 18 Month IRA CD |
| 24 months | 4.00% | $100 | Fixed 24 Month IRA CD |
| 30 months | 4.00% | $100 | Fixed 30 Month IRA CD |
| 36 months | 4.00% | $100 | Fixed 36 Month IRA CD |
| 48 months | 4.00% | $100 | Fixed 48 Month IRA CD |
| 60 months | 4.00% | $100 | Fixed 60 Month IRA CD |
Interactive Tool
Calculate Savings for The Cecilian Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$5,137.00(7.5%)
- Total Contributions$13,000
- Initial Deposit$50,000
Projected Balance
$68,137.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What The Cecilian Bank pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, The Cecilian Bank paid a higher average rate on savings and money market deposits than 13% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- The Cecilian Bank, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Power $avings Account | 1.76% | $50,000 | $0 | None | not stated | not stated | One rate | |
| Choice Savings Account | 0.20% | $50 | $0 | None | not stated | not stated | One rate | |
| Business | ||||||||
| Business Partner Money Market | 0.50% | $10,000 | $0 | None | not stated | not stated | One rate | |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| Fixed 3 Month CD | 3 months | 2.50% | $1,000 | not stated | not stated |
| Fixed 5 Month CD | 5 months | 3.50% | $1,000 | not stated | not stated |
| Fixed 6 Month CD | 6 months | 3.50% | $1,000 | not stated | not stated |
| Fixed 9 Month CD | 9 months | 3.50% | $1,000 | not stated | not stated |
| Fixed 11 Month CD | 11 months | 3.50% | $1,000 | not stated | not stated |
| Fixed 12 Month CD | 12 months | 3.50% | $1,000 | not stated | not stated |
| Fixed 18 Month CD | 18 months | 3.85% | $1,000 | not stated | not stated |
| Fixed 21 Month CD | 21 months | 3.85% | $1,000 | not stated | not stated |
| Fixed 24 Month CD | 24 months | 3.85% | $1,000 | not stated | not stated |
| Fixed 27 Month CD | 27 months | 3.85% | $1,000 | not stated | not stated |
| Fixed 30 Month CD | 30 months | 3.85% | $1,000 | not stated | not stated |
| Fixed 36 Month CD | 36 months | 3.85% | $1,000 | not stated | not stated |
| Fixed 48 Month CD | 48 months | 3.85% | $1,000 | not stated | not stated |
| Fixed 60 Month CD | 60 months | 3.85% | $1,000 | not stated | not stated |
| Fixed 72 Month CD | 72 months | 3.85% | $1,000 | not stated | not stated |
| IRA CDs | |||||
| Fixed 3 Month IRA CD | 3 months | 0.05% | $100 | not stated | not stated |
| Fixed 12 Month IRA CD | 12 months | 3.65% | $100 | not stated | not stated |
| Fixed 18 Month IRA CD | 18 months | 4.00% | $100 | not stated | not stated |
| Fixed 24 Month IRA CD | 24 months | 4.00% | $100 | not stated | not stated |
| Fixed 30 Month IRA CD | 30 months | 4.00% | $100 | not stated | not stated |
| Fixed 36 Month IRA CD | 36 months | 4.00% | $100 | not stated | not stated |
| Fixed 48 Month IRA CD | 48 months | 4.00% | $100 | not stated | not stated |
| Fixed 60 Month IRA CD | 60 months | 4.00% | $100 | not stated | not stated |
Opening and using the account
| Availability | Available in KY |
|---|---|
| Footprint | 19 branches in KY |
| Eligibility | not stated |
How The Cecilian Bank behaves over time
- 12-month high
- 1.76%
- 12-month low
- 1.51%
- Advertised now
- 1.76%
- At the 12-month high
The advertised Power $avings Account rate, observed through Nov 2, 2026. The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Oct 21, 2026Fixed 5 Month CDRaise:3.00%to3.50%
- Obs. Oct 21, 2026Fixed 6 Month CDRaise:3.25%to3.50%
- Obs. Oct 21, 2026Fixed 11 Month CDCut:3.75%to3.50%
- Obs. Oct 21, 2026Fixed 12 Month CDCut:3.75%to3.50%
- Obs. Oct 21, 2026Fixed 18 Month CDRaise:3.75%to3.85%
- Power $avings Account
- Up 0.25 percentage points from 30 days ago.
- 18 months CD
- Up 0.10 percentage points from 30 days ago.
$10,000 at the 1.76% APY The Cecilian Bank advertises on Power $avings Account grows to $10,176 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,809 does today. See how the federal funds rate shapes savings rates.
- Power $avings Account APY
- Banksparency savings index
The Cecilian Bank CD rates over time
Who is The Cecilian Bank?
| Headquarters | Cecilia, KY |
|---|---|
| Founded | 1903 |
| Scale | $1.6B assets · $1.3B deposits, $1.1B of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 8774 |
| Charter state | Kentucky · one of 120 insured banks chartered there (Q2 2026, FDIC) |
| Size | 700th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 50% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What The Cecilian Bank pays on deposits above.
Common questions about The Cecilian Bank
Is The Cecilian Bank FDIC insured?
Yes. The Cecilian Bank is FDIC insured under certificate 8774, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at The Cecilian Bank?
The Cecilian Bank requires a minimum deposit of $50,000 to open its Power $avings Account, as observed on Nov 2, 2026. Check the bank's current terms before you open an account.
Does The Cecilian Bank have branches?
Yes. The Cecilian Bank operates 19 branches according to FDIC branch records, in addition to its website and mobile apps.
The Cecilian Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| The Cecilian Bank | 1.76% | 0.48% | $50,000 | 19 branches in KY |
| People's Bank of Commerce | Up to1.76% | 1.88% | $1,000 | 11 branches in OR |
| Security Bank | 1.76% | 3.23% | $100 | 1 branch in OK |
| First Piedmont Federal Savings and Loan Association of Gaffney | 1.77% | 1.66% | $150 | 7 branches in SC |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to The Cecilian Bank's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Kentucky, nearest to The Cecilian Bank in deposits:
Rate hubs: today's highest savings rates, and CD rates by term.
State pages: savings rates in Kentucky, CD rates in Kentucky, and banks in Kentucky.