Amalgamated Bank CD Rates — October 2026
As of October 22, 2026, Amalgamated Bank's highest tracked CD rate is 3.40% APY on a 12-month CD ($500 minimum). That is 1.9 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.75% to 3.40% APY.
Tracking began .
Amalgamated Bank CD rates
Published personal CD rates from 6 months to 5 years for balances of $500 to $249,999.99. Online openings are capped at $249,999.99; branch openings have no cap. Renewal terms can differ from the original term, with a 10-day grace period after maturity.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | 6-Month CD | $500 | 3.02% | −1.38% | Top 63% of tracked 6-month CDs · Verified October 22, 2026 |
| 12 months | 1-Year CD | $500 | 3.40% | −1.17% | Top 62% of tracked 12-month CDs · Verified October 22, 2026 |
| 24 months | 2-Year CD | $500 | 2.75% | −2.12% | Top 73% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | 3-Year CD | $500 | 2.95% | −2.00% | Top 65% of tracked 36-month CDs · Verified October 22, 2026 |
| 60 months | 5-Year CD | $500 | 2.95% | −2.06% | Top 66% of tracked 60-month CDs · Verified 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 Amalgamated Bank's best CD rates by term?
Amalgamated Bank's best rate is 3.40% APY on 12 months, verified October 22, 2026.
- 6 mo3.02%
- 12 mo3.40%
- 24 mo2.75%
- 36 mo2.95%
- 60 mo2.95%
How much interest could a Amalgamated 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.
$340.00 interest · $10,340.00 at maturity on $10,000.00.
3.40% APY · 12 months · 1-Year 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 |
|---|---|---|---|---|
| 6 months | $75.153.02% APY · 6-Month CD · Standard | $150.293.02% APY · 6-Month CD · Standard | $375.733.02% APY · 6-Month CD · Standard | $751.453.02% APY · 6-Month CD · Standard |
| 12 months | $170.003.40% APY · 1-Year CD · Standard | $340.003.40% APY · 1-Year CD · Standard | $850.003.40% APY · 1-Year CD · Standard | $1,700.003.40% APY · 1-Year CD · Standard |
| 24 months | $278.782.75% APY · 2-Year CD · Standard | $557.562.75% APY · 2-Year CD · Standard | $1,393.912.75% APY · 2-Year CD · Standard | $2,787.812.75% APY · 2-Year CD · Standard |
| 36 months | $455.682.95% APY · 3-Year CD · Standard | $911.362.95% APY · 3-Year CD · Standard | $2,278.412.95% APY · 3-Year CD · Standard | $4,556.822.95% APY · 3-Year CD · Standard |
| 60 months | $782.322.95% APY · 5-Year CD · Standard | $1,564.632.95% APY · 5-Year CD · Standard | $3,911.582.95% APY · 5-Year CD · Standard | $7,823.152.95% APY · 5-Year CD · Standard |
How Amalgamated Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 214 of 342 tracked institutions with fresh 365-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 | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Amalgamated Bank (this institution)1-Year CD · Standard | 12 months | $500 | Branches in CA, DC, NY | 3.40% | October 22, 2026 |
| Popular DirectCD · Standard | 12 months | $10,000 | Available nationwide | 4.60% | October 22, 2026 |
| The Summit Federal Credit UnionJumbo Certificate · Standard | 12 months | $75,000 | Membership required · branches in NY | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Membership required · branches in NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Amalgamated Bank on October 22, 2026.
About Amalgamated Bank
- Legal name
- Amalgamated Bank
- Regulator ID
- FDIC 622
- Headquarters
- New York, NY
- Available in
- CA, DC, NY
- Total assets
- $9.4 billion
- Also known as
- Website
- amalgamatedbank.com
Source: rates read from https://www.amalgamatedbank.com/certificate-deposits. See the page text we read.
Frequently asked questions
What is the highest CD rate at Amalgamated Bank?
Among the rates we track, 3.40% APY on a 12-month CD, as of October 22, 2026.
What is the minimum deposit for a Amalgamated Bank CD?
The lowest minimum we found is $500.
How does Amalgamated Bank's best CD rate compare with Treasury yields?
3.40% APY is −1.17% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.40% a good CD rate?
It is 1.9 times the FDIC national average for a similar term (1.76% 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 Amalgamated Bank CDs insured?
Amalgamated Bank is an FDIC-insured bank (FDIC 622). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Amalgamated Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Amalgamated Bank's website and may change at any time. Confirm terms, minimums and eligibility with Amalgamated Bank before opening an account. This page is not financial advice.