CD Rates

Ready for rates that elevate your savings?

Whether you're saving for a vacation, new car, college funding or retirement, you can maximize your savings over the full term with our highly competitive CD rates. Choose from terms ranging from 32 days to 10 years and enjoy convenient automatic renewal. Both passbook and linked statement options are available. Interest compounds daily to maximize growth. When you earn at least $10 in interest per month or quarter, you can choose to receive your interest each month or quarter by mail. You can also arrange to have it transferred automatically to your savings,  checking or money market account

We're the New York bank with CD rates that deliver for you.

Term* Interest Rate Annual Percentage Yield (APY)**
6 months 1.98% 2.00%
1 Year 2.13% 2.15%
13 months 2.13% 2.15%
1 1/2 Years 2.27% 2.30%
2 Years 2.37% 2.40%
3 Years 2.57% 2.60%
4 Years 2.71% 2.75%
5 Years 2.76% 2.80%
Certificate of Deposit Account Registry Service (CDARS®)*** Learn More 

CD and Retirement CD interest is compounded daily. Depending on the term, you may choose to have your CD interest paid monthly, quarterly or at maturity. The Annual Percentage Yield (APY) assumes that the funds deposited remain in the account for the full term of the CD. Any withdrawal of interest would reduce earnings. *CDs require a minimum deposit of $1,000 to open and earn interest. Early withdrawal penalty may apply. **Annual Percentage Yields (APYs) stated are effective as of May 16, 2018 and may be changed by the Bank at any time. Accounts must be opened in person at an Apple Bank branch.
***Apple Bank participates in the Certificates of Deposit Account Registry Service (CDARS®) program offered by Promontory Interfinancial Network, LLC. The program enables investors to access multi-million dollar FDIC insurance coverage on large CD investments.