# Ally Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/ally-bank
Institution: Ally Bank (FDIC 57803)
Aliases: Ally
Status: live
Last verified: 2026-10-22T07:52:48.000Z (October 22, 2026)
Official source: https://www.ally.com/bank/high-yield-cd/
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| High Yield Certificate of Deposit (CD) | standard | 3 months | Not stated | 2.80% | Not ZIP-priced | −1.50% | 2026-10-22T07:52:48.000Z | [Snapshot 161](https://apyledger.com/snapshots/161) |
| High Yield Certificate of Deposit (CD) | standard | 6 months | Not stated | 3.85% | Not ZIP-priced | −0.55% | 2026-10-22T07:52:48.000Z | [Snapshot 162](https://apyledger.com/snapshots/162) |
| High Yield Certificate of Deposit (CD) | standard | 9 months | Not stated | 4.00% | Not ZIP-priced | −0.48% | 2026-10-22T07:52:48.000Z | [Snapshot 163](https://apyledger.com/snapshots/163) |
| High Yield Certificate of Deposit (CD) | standard | 12 months | Not stated | 4.30% | Not ZIP-priced | −0.27% | 2026-10-22T07:52:48.000Z | [Snapshot 164](https://apyledger.com/snapshots/164) |
| High Yield Certificate of Deposit (CD) | standard | 18 months | Not stated | 4.40% | Not ZIP-priced | −0.32% | 2026-10-22T07:52:48.000Z | [Snapshot 165](https://apyledger.com/snapshots/165) |
| High Yield Certificate of Deposit (CD) | standard | 36 months | Not stated | 4.10% | Not ZIP-priced | −0.85% | 2026-10-22T07:52:48.000Z | [Snapshot 166](https://apyledger.com/snapshots/166) |
| High Yield Certificate of Deposit (CD) | standard | 60 months | Not stated | 4.25% | Not ZIP-priced | −0.76% | 2026-10-22T07:52:48.000Z | [Snapshot 167](https://apyledger.com/snapshots/167) |

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.