Ally Bank CD Rates — October 2026

Also known as Ally.

As of October 22, 2026, Ally Bank's highest CD rate is 4.40% APY on an 18-month CD. That is 2.8 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 2.80% to 4.40% APY.

Last verified October 22, 2026 from www.ally.com · FDIC-insured bank · Sandy, UT

Tracking began October 22, 2026.

Best APY4.40%18 months

vs. Treasury−0.32%same-term Treasury 4.72%

vs. national average2.8×FDIC national average 1.55%

After inflation0.66%CPI 3.7% year over year

$10,000 earns$667over 18 months, before tax

Ally Bank CD rates

Available online to U.S. residents in every state. Rates below are for High Yield CDs. Renewal loyalty rewards and other banks’ comparison quotes are excluded.

Ally Bank CD rates
Term	Product	Minimum	APY	vs. Treasury
3 months	High Yield Certificate of Deposit (CD)	Not stated	2.80%Verified October 22, 2026	−1.50%
6 months	High Yield Certificate of Deposit (CD)	Not stated	3.85%Verified October 22, 2026	−0.55%
9 months	High Yield Certificate of Deposit (CD)	Not stated	4.00%Verified October 22, 2026	−0.48%
12 months	High Yield Certificate of Deposit (CD)	Not stated	4.30%Verified October 22, 2026	−0.27%
18 months	High Yield Certificate of Deposit (CD)	Not stated	4.40%Verified October 22, 2026	−0.32%
36 months	High Yield Certificate of Deposit (CD)	Not stated	4.10%Verified October 22, 2026	−0.85%
60 months	High Yield Certificate of Deposit (CD)	Not stated	4.25%Verified October 22, 2026	−0.76%

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 Ally Bank's best CD rates by term?

Ally Bank's best rate is 4.40% APY on 18 months, verified October 22, 2026.

3 mo2.80%
6 mo3.85%
9 mo4.00%
12 mo4.30%
18 mo4.40%
36 mo4.10%
60 mo4.25%

Calculate earnings at 4.40% for 18 months

How Ally Bank compares

Best 2-year rate among the institutions we track: Popular Direct at 4.80% APY.
Popular Direct: best 5.00% APY on 60 months.
Barclays: best 4.75% APY on 24 months.
Sallie Mae Bank: best 4.75% APY on 60 months.
2-year Treasury: 4.72% APY-equivalent.

Rate changes

No changes since we started tracking Ally Bank on October 22, 2026.

About Ally Bank

Legal name: Ally Bank
Regulator ID: FDIC 57803
Headquarters: Sandy, UT
Available in: All states (online)
Also known as: Ally
Website: www.ally.com

Source: rates read from https://www.ally.com/bank/high-yield-cd/. See the page text we read.

Frequently asked questions

What is the highest CD rate at Ally Bank?

4.40% APY on an 18-month CD, as of October 22, 2026.

How does Ally 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 Ally Bank CDs insured?

Ally Bank is an FDIC-insured bank (FDIC 57803). Deposits are insured up to $250,000 per depositor, per ownership category.

How often is this page updated?

We check Ally Bank's rate page every day. The rates above were last verified on October 22, 2026.

More bank CD rates

Rates are copied from Ally Bank's website and may change at any time. Confirm terms, minimums and eligibility with Ally Bank before opening an account. This page is not financial advice.