Academy Bank CD Rates — October 2026
As of October 22, 2026, Academy Bank's highest tracked CD rate is 4.40% APY on an 18-month CD ($500 minimum). That is 2.8 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 1.00% to 4.40% APY.
Tracking began .
Academy Bank CD rates
Published personal CD rates from 30 days to 60 months, with a $500 minimum opening balance. Early withdrawal penalties may apply.
| Term | Product | APY |
|---|---|---|
| 30 days | CD | 1.00%Verified October 22, 2026 |
| 91 days | CD | 1.05%Top 79% · $10k reference sampleVerified October 22, 2026 |
| 182 days | CD | 1.15%Verified October 22, 2026 |
| 9 months | CD | 3.45%Top 64% · $10k reference sampleVerified October 22, 2026 |
| 12 months | CD | 4.20%Top 16% · $10k reference sampleVerified October 22, 2026 |
| 13 months | CD | 4.00%Verified October 22, 2026 |
| 15 months | CD | 4.30%Verified October 22, 2026 |
| 18 months | CD | 4.40%Top 10% · $10k reference sampleVerified October 22, 2026 |
| 19 months | CD | 3.51%Verified October 22, 2026 |
| 24 months | CD | 3.51%Top 49% · $10k reference sampleVerified October 22, 2026 |
| 30 months | CD | 3.51%Verified October 22, 2026 |
| 36 months | CD | 3.51%Top 39% · $10k reference sampleVerified October 22, 2026 |
| 48 months | CD | 3.51%Top 36% · $10k reference sampleVerified October 22, 2026 |
| 60 months | CD | 3.51%Top 38% · $10k reference sampleVerified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Academy Bank's best CD rates by term?
Academy Bank's best rate is 4.40% APY on 18 months, verified October 22, 2026.
- 30 days1.00%
- 91 days1.05%
- 182 days1.15%
- 9 mo3.45%
- 12 mo4.20%
- 13 mo4.00%
- 15 mo4.30%
- 18 mo4.40%
- 19 mo3.51%
- 24 mo3.51%
- 30 mo3.51%
- 36 mo3.51%
- 48 mo3.51%
- 60 mo3.51%
How much interest could a Academy Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$667.84 interest · $10,667.84 at maturity on $10,000.00.
4.40% APY · 18 months · CD · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 30 days | $4.091.00% APY · CD · Standard | $8.181.00% APY · CD · Standard | $20.451.00% APY · CD · Standard | $40.911.00% APY · CD · Standard |
| 91 days | $13.041.05% APY · CD · Standard | $26.081.05% APY · CD · Standard | $65.191.05% APY · CD · Standard | $130.381.05% APY · CD · Standard |
| 182 days | $28.591.15% APY · CD · Standard | $57.181.15% APY · CD · Standard | $142.951.15% APY · CD · Standard | $285.891.15% APY · CD · Standard |
| 9 months | $128.943.45% APY · CD · Standard | $257.893.45% APY · CD · Standard | $644.723.45% APY · CD · Standard | $1,289.443.45% APY · CD · Standard |
| 12 months | $210.004.20% APY · CD · Standard | $420.004.20% APY · CD · Standard | $1,050.004.20% APY · CD · Standard | $2,100.004.20% APY · CD · Standard |
| 13 months | $216.794.00% APY · CD · Standard | $433.584.00% APY · CD · Standard | $1,083.954.00% APY · CD · Standard | $2,167.904.00% APY · CD · Standard |
| 15 months | $270.034.30% APY · CD · Standard | $540.054.30% APY · CD · Standard | $1,350.144.30% APY · CD · Standard | $2,700.274.30% APY · CD · Standard |
| 18 months | $333.924.40% APY · CD · Standard | $667.844.40% APY · CD · Standard | $1,669.594.40% APY · CD · Standard | $3,339.184.40% APY · CD · Standard |
| 19 months | $280.753.51% APY · CD · Standard | $561.503.51% APY · CD · Standard | $1,403.743.51% APY · CD · Standard | $2,807.483.51% APY · CD · Standard |
| 24 months | $357.163.51% APY · CD · Standard | $714.323.51% APY · CD · Standard | $1,785.803.51% APY · CD · Standard | $3,571.603.51% APY · CD · Standard |
| 30 months | $450.623.51% APY · CD · Standard | $901.253.51% APY · CD · Standard | $2,253.123.51% APY · CD · Standard | $4,506.253.51% APY · CD · Standard |
| 36 months | $545.203.51% APY · CD · Standard | $1,090.393.51% APY · CD · Standard | $2,725.983.51% APY · CD · Standard | $5,451.963.51% APY · CD · Standard |
| 48 months | $739.833.51% APY · CD · Standard | $1,479.673.51% APY · CD · Standard | $3,699.163.51% APY · CD · Standard | $7,398.333.51% APY · CD · Standard |
| 60 months | $941.303.51% APY · CD · Standard | $1,882.603.51% APY · CD · Standard | $4,706.503.51% APY · CD · Standard | $9,413.013.51% APY · CD · Standard |
How Academy Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 548-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 13 of 192 tracked institutions with fresh 548-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Academy Bank (this institution)CD · Standard | 18 months | $500 | Coverage: AR, AZ, CO, KS, MO | 4.40% | October 22, 2026 |
| Popular Direct (highest tracked APY for this term)Certificate of Deposit · Standard | 18 months | $10,000 | Nationwide; check eligibility | 4.75% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 18 months | Not stated | Nationwide; check eligibility | 4.55% | October 22, 2026 |
| Barclays18 Month CD · Standard | 18 months | Not stated | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Treasury (APY-equivalent) | 18 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.72% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Academy Bank on October 22, 2026.
About Academy Bank
- Legal name
- Academy Bank, National Association
- Regulator ID
- FDIC 19600
- Headquarters
- Kansas City, MO
- Available in
- AR, AZ, CO, KS, MO
- Total assets
- $3.2 billion
- Also known as
- Website
- www.academybank.com
Source: rates read from https://www.academybank.com/personal/save/certificate-of-deposit. See the page text we read.
Frequently asked questions
What is the highest CD rate at Academy Bank?
Among the rates we track, 4.40% APY on an 18-month CD, as of October 22, 2026.
What is the minimum deposit for a Academy Bank CD?
The lowest minimum we found is $500.
How does Academy Bank's best CD rate compare with Treasury yields?
4.40% APY is −0.32% versus the 18-month Treasury yield of 4.72% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.40% a good CD rate?
It is 2.8 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Academy Bank CDs insured?
Academy Bank is an FDIC-insured bank (FDIC 19600). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Academy Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Academy Bank's website and may change at any time. Confirm terms, minimums and eligibility with Academy Bank before opening an account. This page is not financial advice.