# Academy Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/academy-bank
Institution: Academy Bank, National Association (FDIC 19600)
Aliases: 
Status: live
Last verified: 2026-10-22T16:20:45.000Z (October 22, 2026)
Official source: https://www.academybank.com/personal/save/certificate-of-deposit
Coverage: Published personal CD rates from 30 days to 60 months, with a $500 minimum opening balance. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| CD | standard | 30 days | $500 | 1.00% | Not ZIP-priced | −3.13% | 2026-10-22T16:20:45.000Z | [Snapshot 306](https://apyledger.com/snapshots/306) |
| CD | standard | 91 days | $500 | 1.05% | Not ZIP-priced | −3.25% | 2026-10-22T16:20:45.000Z | [Snapshot 306](https://apyledger.com/snapshots/306) |
| CD | standard | 182 days | $500 | 1.15% | Not ZIP-priced | −3.25% | 2026-10-22T16:20:45.000Z | [Snapshot 306](https://apyledger.com/snapshots/306) |
| CD | standard | 9 months | $500 | 3.45% | Not ZIP-priced | −1.03% | 2026-10-22T16:20:45.000Z | [Snapshot 306](https://apyledger.com/snapshots/306) |
| CD | standard | 12 months | $500 | 4.20% | Not ZIP-priced | −0.37% | 2026-10-22T16:20:45.000Z | [Snapshot 306](https://apyledger.com/snapshots/306) |
| CD | standard | 13 months | $500 | 4.00% | Not ZIP-priced | −0.60% | 2026-10-22T16:20:45.000Z | [Snapshot 306](https://apyledger.com/snapshots/306) |
| CD | standard | 15 months | $500 | 4.30% | Not ZIP-priced | −0.35% | 2026-10-22T16:20:45.000Z | [Snapshot 306](https://apyledger.com/snapshots/306) |
| CD | standard | 18 months | $500 | 4.40% | Not ZIP-priced | −0.32% | 2026-10-22T16:20:45.000Z | [Snapshot 306](https://apyledger.com/snapshots/306) |
| CD | standard | 19 months | $500 | 3.51% | Not ZIP-priced | −1.23% | 2026-10-22T16:20:45.000Z | [Snapshot 306](https://apyledger.com/snapshots/306) |
| CD | standard | 24 months | $500 | 3.51% | Not ZIP-priced | −1.36% | 2026-10-22T16:20:45.000Z | [Snapshot 306](https://apyledger.com/snapshots/306) |
| CD | standard | 30 months | $500 | 3.51% | Not ZIP-priced | −1.40% | 2026-10-22T16:20:45.000Z | [Snapshot 306](https://apyledger.com/snapshots/306) |
| CD | standard | 36 months | $500 | 3.51% | Not ZIP-priced | −1.44% | 2026-10-22T16:20:45.000Z | [Snapshot 306](https://apyledger.com/snapshots/306) |
| CD | standard | 48 months | $500 | 3.51% | Not ZIP-priced | −1.47% | 2026-10-22T16:20:45.000Z | [Snapshot 306](https://apyledger.com/snapshots/306) |
| CD | standard | 60 months | $500 | 3.51% | Not ZIP-priced | −1.50% | 2026-10-22T16:20:45.000Z | [Snapshot 306](https://apyledger.com/snapshots/306) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.