# Amalgamated Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/amalgamated-bank
Institution: Amalgamated Bank (FDIC 622)
Aliases: 
Status: live
Last verified: 2026-10-23T01:35:15.000Z (October 22, 2026)
Official source: https://www.amalgamatedbank.com/certificate-deposits
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 6-Month CD | standard | 6 months | $500 | 3.02% | Not ZIP-priced | −1.38% | 2026-10-23T01:35:15.000Z | [Snapshot 458](https://apyledger.com/snapshots/458) |
| 1-Year CD | standard | 12 months | $500 | 3.40% | Not ZIP-priced | −1.17% | 2026-10-23T01:35:15.000Z | [Snapshot 458](https://apyledger.com/snapshots/458) |
| 2-Year CD | standard | 24 months | $500 | 2.75% | Not ZIP-priced | −2.12% | 2026-10-23T01:35:15.000Z | [Snapshot 458](https://apyledger.com/snapshots/458) |
| 3-Year CD | standard | 36 months | $500 | 2.95% | Not ZIP-priced | −2.00% | 2026-10-23T01:35:15.000Z | [Snapshot 458](https://apyledger.com/snapshots/458) |
| 5-Year CD | standard | 60 months | $500 | 2.95% | Not ZIP-priced | −2.06% | 2026-10-23T01:35:15.000Z | [Snapshot 458](https://apyledger.com/snapshots/458) |

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.