Armed Forces Bank CD Rates — October 2026
As of October 22, 2026, Armed Forces Bank's highest tracked CD rate is 3.75% APY on an 18-month promotional CD ($500 minimum). That is 2.4 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 1.00% to 3.65% APY.
Tracking began .
Armed Forces Bank CD rates
CDs from 30 days to 48 months with a $500 minimum to open. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 30 days | Certificate of Deposit | $500 | 1.00% | −3.13% | Verified October 22, 2026 |
| 91 days | Certificate of Deposit | $500 | 1.05% | −3.25% | Top 76% of tracked 91-day CDs · Verified October 22, 2026 |
| 182 days | Certificate of Deposit | $500 | 1.10% | −3.30% | Verified October 22, 2026 |
| 9 months | Certificate of Deposit | $500 | 3.05% | −1.43% | Top 75% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | Certificate of Deposit Promotional | $500 | 3.55% | −1.02% | Top 52% of tracked 12-month CDs · Verified October 22, 2026 |
| 13 months | Certificate of Deposit | $500 | 3.25% | −1.35% | Verified October 22, 2026 |
| 15 months | Certificate of Deposit | $500 | 3.65% | −1.00% | Verified October 22, 2026 |
| 18 months | Certificate of Deposit Promotional | $500 | 3.75% | −0.97% | Top 41% of tracked 18-month CDs · Verified October 22, 2026 |
| 19 months | Certificate of Deposit | $500 | 2.75% | −1.99% | Verified October 22, 2026 |
| 24 months | Certificate of Deposit | $500 | 2.75% | −2.12% | Top 70% of tracked 24-month CDs · Verified October 22, 2026 |
| 30 months | Certificate of Deposit | $500 | 2.75% | −2.16% | Verified October 22, 2026 |
| 36 months | Certificate of Deposit | $500 | 2.75% | −2.20% | Top 67% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit | $500 | 2.75% | −2.23% | Top 63% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit | $500 | 2.75% | −2.26% | Top 65% 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.
Watch the renewal rate
The best promotional rate here is 3.75% APY (18 months). The standard rate for a similar term is 2.75% APY (19 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $100 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Armed Forces Bank's best CD rates by term?
Armed Forces Bank's best rate is 3.75% APY on 18 months, verified October 22, 2026.
- 30 days1.00%
- 91 days1.05%
- 182 days1.10%
- 9 mo3.05%
- 12 mo3.55%
- 13 mo3.25%
- 15 mo3.65%
- 18 mo3.75%
- 19 mo2.75%
- 24 mo2.75%
- 30 mo2.75%
- 36 mo2.75%
- 48 mo2.75%
- 60 mo2.75%
How much interest could a Armed Forces 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.
$568.27 interest · $10,568.27 at maturity on $10,000.00.
3.75% APY · 18 months · Certificate of Deposit · Promotional · 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 |
|---|---|---|---|---|
| 30 days | $4.091.00% APY · Certificate of Deposit · Standard | $8.181.00% APY · Certificate of Deposit · Standard | $20.451.00% APY · Certificate of Deposit · Standard | $40.911.00% APY · Certificate of Deposit · Standard |
| 91 days | $13.041.05% APY · Certificate of Deposit · Standard | $26.081.05% APY · Certificate of Deposit · Standard | $65.191.05% APY · Certificate of Deposit · Standard | $130.381.05% APY · Certificate of Deposit · Standard |
| 182 days | $27.351.10% APY · Certificate of Deposit · Standard | $54.701.10% APY · Certificate of Deposit · Standard | $136.751.10% APY · Certificate of Deposit · Standard | $273.491.10% APY · Certificate of Deposit · Standard |
| 9 months | $114.053.05% APY · Certificate of Deposit · Standard | $228.103.05% APY · Certificate of Deposit · Standard | $570.253.05% APY · Certificate of Deposit · Standard | $1,140.503.05% APY · Certificate of Deposit · Standard |
| 12 months | $177.503.55% APY · Certificate of Deposit · Promotional | $355.003.55% APY · Certificate of Deposit · Promotional | $887.503.55% APY · Certificate of Deposit · Promotional | $1,775.003.55% APY · Certificate of Deposit · Promotional |
| 13 months | $176.093.25% APY · Certificate of Deposit · Standard | $352.183.25% APY · Certificate of Deposit · Standard | $880.443.25% APY · Certificate of Deposit · Standard | $1,760.893.25% APY · Certificate of Deposit · Standard |
| 15 months | $229.033.65% APY · Certificate of Deposit · Standard | $458.063.65% APY · Certificate of Deposit · Standard | $1,145.143.65% APY · Certificate of Deposit · Standard | $2,290.283.65% APY · Certificate of Deposit · Standard |
| 18 months | $284.143.75% APY · Certificate of Deposit · Promotional | $568.273.75% APY · Certificate of Deposit · Promotional | $1,420.683.75% APY · Certificate of Deposit · Promotional | $2,841.373.75% APY · Certificate of Deposit · Promotional |
| 19 months | $219.482.75% APY · Certificate of Deposit · Standard | $438.962.75% APY · Certificate of Deposit · Standard | $1,097.402.75% APY · Certificate of Deposit · Standard | $2,194.802.75% APY · Certificate of Deposit · Standard |
| 24 months | $278.782.75% APY · Certificate of Deposit · Standard | $557.562.75% APY · Certificate of Deposit · Standard | $1,393.912.75% APY · Certificate of Deposit · Standard | $2,787.812.75% APY · Certificate of Deposit · Standard |
| 30 months | $351.072.75% APY · Certificate of Deposit · Standard | $702.142.75% APY · Certificate of Deposit · Standard | $1,755.362.75% APY · Certificate of Deposit · Standard | $3,510.712.75% APY · Certificate of Deposit · Standard |
| 36 months | $423.952.75% APY · Certificate of Deposit · Standard | $847.902.75% APY · Certificate of Deposit · Standard | $2,119.742.75% APY · Certificate of Deposit · Standard | $4,239.482.75% APY · Certificate of Deposit · Standard |
| 48 months | $573.112.75% APY · Certificate of Deposit · Standard | $1,146.212.75% APY · Certificate of Deposit · Standard | $2,865.532.75% APY · Certificate of Deposit · Standard | $5,731.062.75% APY · Certificate of Deposit · Standard |
| 60 months | $726.372.75% APY · Certificate of Deposit · Standard | $1,452.732.75% APY · Certificate of Deposit · Standard | $3,631.832.75% APY · Certificate of Deposit · Standard | $7,263.672.75% APY · Certificate of Deposit · Standard |
How Armed Forces Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 548-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 132 of 331 tracked institutions with fresh 548-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 |
|---|---|---|---|---|---|
| Armed Forces Bank (this institution)Certificate of Deposit · Promotional | 18 months | $500 | Branches in 10 states | 3.75% | October 22, 2026 |
| Bread SavingsBread Savings CD · Standard | 18 months | $1,500 | Available nationwide | 4.85% | October 22, 2026 |
| Popular DirectCD · Standard | 18 months | $10,000 | Available nationwide | 4.75% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 18 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| Kirtland Federal Credit Union (highest tracked APY for this term)18-Month Limited-Time Share Certificate · Promotional | 18 months | $500 | Membership required · branches in NM | 5.12% | October 22, 2026 |
| Treasury (APY-equivalent) | 18 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.72% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Armed Forces Bank on October 22, 2026.
About Armed Forces Bank
- Legal name
- Armed Forces Bank, National Association
- Regulator ID
- FDIC 4666
- Headquarters
- Fort Leavenworth, KS
- Available in
- AZ, CO, IL, KS, KY, MO, NV, TX, VA, WA
- Total assets
- $1.4 billion
- Also known as
- Website
- afbank.com
Source: rates read from https://www.afbank.com/personal/save/certificates-of-deposit. See the page text we read.
Frequently asked questions
What is the highest CD rate at Armed Forces Bank?
Among the rates we track, 3.75% APY on an 18-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Armed Forces Bank CD?
The lowest minimum we found is $500.
How does Armed Forces Bank's best CD rate compare with Treasury yields?
3.75% APY is −0.97% 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 3.75% a good CD rate?
It is 2.4 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 Armed Forces Bank CDs insured?
Armed Forces Bank is an FDIC-insured bank (FDIC 4666). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Armed Forces Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Armed Forces Bank's website and may change at any time. Confirm terms, minimums and eligibility with Armed Forces Bank before opening an account. This page is not financial advice.