# Armed Forces Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/armed-forces-bank
Institution: Armed Forces Bank, National Association (FDIC 4666)
Aliases: 
Status: live
Last verified: 2026-10-23T03:18:49.000Z (October 22, 2026)
Official source: https://www.afbank.com/personal/save/certificates-of-deposit
Coverage: CDs from 30 days to 48 months with a $500 minimum to open. Early withdrawal penalties may apply.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 30 days | $500 | 1.00% | Not ZIP-priced | −3.13% | 2026-10-23T03:18:49.000Z | [Snapshot 940](https://apyledger.com/snapshots/940) |
| Certificate of Deposit | standard | 91 days | $500 | 1.05% | Not ZIP-priced | −3.25% | 2026-10-23T03:18:49.000Z | [Snapshot 940](https://apyledger.com/snapshots/940) |
| Certificate of Deposit | standard | 182 days | $500 | 1.10% | Not ZIP-priced | −3.30% | 2026-10-23T03:18:49.000Z | [Snapshot 940](https://apyledger.com/snapshots/940) |
| Certificate of Deposit | standard | 9 months | $500 | 3.05% | Not ZIP-priced | −1.43% | 2026-10-23T03:18:49.000Z | [Snapshot 940](https://apyledger.com/snapshots/940) |
| Certificate of Deposit | promotional | 12 months | $500 | 3.55% | Not ZIP-priced | −1.02% | 2026-10-23T03:18:49.000Z | [Snapshot 940](https://apyledger.com/snapshots/940) |
| Certificate of Deposit | standard | 13 months | $500 | 3.25% | Not ZIP-priced | −1.35% | 2026-10-23T03:18:49.000Z | [Snapshot 940](https://apyledger.com/snapshots/940) |
| Certificate of Deposit | standard | 15 months | $500 | 3.65% | Not ZIP-priced | −1.00% | 2026-10-23T03:18:49.000Z | [Snapshot 940](https://apyledger.com/snapshots/940) |
| Certificate of Deposit | promotional | 18 months | $500 | 3.75% | Not ZIP-priced | −0.97% | 2026-10-23T03:18:49.000Z | [Snapshot 940](https://apyledger.com/snapshots/940) |
| Certificate of Deposit | standard | 19 months | $500 | 2.75% | Not ZIP-priced | −1.99% | 2026-10-23T03:18:49.000Z | [Snapshot 940](https://apyledger.com/snapshots/940) |
| Certificate of Deposit | standard | 24 months | $500 | 2.75% | Not ZIP-priced | −2.12% | 2026-10-23T03:18:49.000Z | [Snapshot 940](https://apyledger.com/snapshots/940) |
| Certificate of Deposit | standard | 30 months | $500 | 2.75% | Not ZIP-priced | −2.16% | 2026-10-23T03:18:49.000Z | [Snapshot 940](https://apyledger.com/snapshots/940) |
| Certificate of Deposit | standard | 36 months | $500 | 2.75% | Not ZIP-priced | −2.20% | 2026-10-23T03:18:49.000Z | [Snapshot 940](https://apyledger.com/snapshots/940) |
| Certificate of Deposit | standard | 48 months | $500 | 2.75% | Not ZIP-priced | −2.23% | 2026-10-23T03:18:49.000Z | [Snapshot 940](https://apyledger.com/snapshots/940) |
| Certificate of Deposit | standard | 60 months | $500 | 2.75% | Not ZIP-priced | −2.26% | 2026-10-23T03:18:49.000Z | [Snapshot 940](https://apyledger.com/snapshots/940) |

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.