Ascend Bank CD Rates — October 2026
As of October 22, 2026, Ascend Bank's highest tracked CD rate is 4.00% APY on a 19-month relationship CD ($5,000 minimum). That is 2.6 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 0.05% to 0.20% APY.
Tracking began .
With $10,000 and no relationship requirement: 0.20% on 60 months
Ascend Bank CD rates
Published Connecticut personal CD rates, including standard CDs and Smart CDs requiring Prime, Preferred or Access Checking. The 19-month Smart CD includes a bump-up feature. Opening minimums and APYs depend on the quoted relationship tier. IRA CDs are excluded. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | 3 MONTH CD Relationship | $1,000 | 0.10% | −4.20% | Top 94% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | 3 MONTH CD | $1,000same APY in 2 balance tiers | 0.05% | −4.25% | Top 98% of tracked 3-month CDs · Verified October 22, 2026 |
| 5 months | 5 MONTH SMART CD Relationship | $5,000 | 3.65% | −0.74% | Verified October 22, 2026 |
| 5 months | 5 MONTH SMART CD Relationship | $5,000 | 3.15% | −1.24% | Verified October 22, 2026 |
| 6 months | 6 MONTH CD Relationship | $1,000 | 0.10% | −4.30% | Top 98% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | 6 MONTH CD | $1,000same APY in 2 balance tiers | 0.05% | −4.35% | Top 99% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | 9 MONTH SMART CD Relationship | $5,000 | 3.75% | −0.73% | Top 47% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | 9 MONTH SMART CD Relationship | $5,000 | 3.25% | −1.23% | Top 75% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | 9 MONTH CD OR IRA CD Relationship | $1,000 | 0.20% | −4.28% | Top 96% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | 9 MONTH CD OR IRA CD | $1,000same APY in 2 balance tiers | 0.05% | −4.43% | Top 99% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | 12 MONTH SMART CD Relationship | $5,000 | 3.90% | −0.67% | Top 33% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | 12 MONTH SMART CD Relationship | $5,000 | 3.40% | −1.17% | Top 62% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | 1 YEAR CD OR IRA CD Relationship | $1,000 | 0.25% | −4.32% | Top 96% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | 1 YEAR CD OR IRA CD Relationship | $1,000 | 0.10% | −4.47% | Top 99% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | 1 YEAR CD OR IRA CD | $1,000 | 0.05% | −4.52% | Top 100% of tracked 12-month CDs · Verified October 22, 2026 |
| 17 months | 17 MONTH SMART CD+ Relationship | $5,000 | 3.75% | −0.94% | Verified October 22, 2026 |
| 17 months | 17 MONTH SMART CD+ Relationship | $5,000 | 3.00% | −1.69% | Verified October 22, 2026 |
| 18 months | 18 MONTH CD Relationship | $1,000 | 0.35% | −4.37% | Top 94% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | 18 MONTH CD Relationship | $1,000 | 0.15% | −4.57% | Top 98% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | 18 MONTH CD | $1,000 | 0.05% | −4.67% | Top 99% of tracked 18-month CDs · Verified October 22, 2026 |
| 19 months | 19 MONTH SMART CD WITH BUMP UP FEATURE Relationship | $5,000 | 4.00% | −0.74% | Verified October 22, 2026 |
| 19 months | 19 MONTH SMART CD WITH BUMP UP FEATURE Relationship | $5,000 | 3.85% | −0.89% | Verified October 22, 2026 |
| 24 months | 2 YEAR CD OR IRA CD Relationship | $1,000 | 0.50% | −4.37% | Top 93% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | 2 YEAR CD OR IRA CD Relationship | $1,000 | 0.15% | −4.72% | Top 99% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | 2 YEAR CD OR IRA CD | $1,000 | 0.05% | −4.82% | Top 99% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | 3 YEAR CD OR IRA CD Relationship | $1,000 | 0.75% | −4.20% | Top 91% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | 3 YEAR CD OR IRA CD Relationship | $1,000 | 0.20% | −4.75% | Top 98% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | 3 YEAR CD OR IRA CD | $1,000 | 0.10% | −4.85% | Top 99% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | 4 YEAR CD OR IRA CD Relationship | $1,000 | 0.85% | −4.13% | Top 90% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | 4 YEAR CD OR IRA CD Relationship | $1,000 | 0.25% | −4.73% | Top 98% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | 4 YEAR CD OR IRA CD | $1,000 | 0.15% | −4.83% | Top 99% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | 5 YEAR CD OR IRA CD Relationship | $1,000 | 1.00% | −4.01% | Top 90% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | 5 YEAR CD OR IRA CD Relationship | $1,000 | 0.30% | −4.71% | Top 97% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | 5 YEAR CD OR IRA CD | $1,000 | 0.20% | −4.81% | Top 99% 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 Ascend Bank's best CD rates by term?
Ascend Bank's best rate is 4.00% APY on 19 months, verified October 22, 2026.
- 3 mo0.10%
- 5 mo3.65%
- 6 mo0.10%
- 9 mo3.75%
- 12 mo3.90%
- 17 mo3.75%
- 18 mo0.35%
- 19 mo4.00%
- 24 mo0.50%
- 36 mo0.75%
- 48 mo0.85%
- 60 mo1.00%
How much interest could a Ascend 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.
No unambiguous quoted balance tier applies to this amount and term. Check the institution's terms or choose another deposit.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $1.250.10% APY · 3 MONTH CD · Relationship | $2.490.10% APY · 3 MONTH CD · Relationship | $6.230.10% APY · 3 MONTH CD · Relationship | $12.460.10% APY · 3 MONTH CD · Relationship |
| 5 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 6 months | $2.510.10% APY · 6 MONTH CD · Relationship | $5.010.10% APY · 6 MONTH CD · Relationship | $12.530.10% APY · 6 MONTH CD · Relationship | $25.060.10% APY · 6 MONTH CD · Relationship |
| 9 months | $7.500.20% APY · 9 MONTH CD OR IRA CD · Relationship | $15.010.20% APY · 9 MONTH CD OR IRA CD · Relationship | $37.520.20% APY · 9 MONTH CD OR IRA CD · Relationship | $75.050.20% APY · 9 MONTH CD OR IRA CD · Relationship |
| 12 months | $2.500.05% APY · 1 YEAR CD OR IRA CD · Standard | $5.000.05% APY · 1 YEAR CD OR IRA CD · Standard | $12.500.05% APY · 1 YEAR CD OR IRA CD · Standard | $25.000.05% APY · 1 YEAR CD OR IRA CD · Standard |
| 17 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 18 months | $3.750.05% APY · 18 MONTH CD · Standard | $7.510.05% APY · 18 MONTH CD · Standard | $18.770.05% APY · 18 MONTH CD · Standard | $37.540.05% APY · 18 MONTH CD · Standard |
| 19 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 24 months | $5.000.05% APY · 2 YEAR CD OR IRA CD · Standard | $10.000.05% APY · 2 YEAR CD OR IRA CD · Standard | $25.010.05% APY · 2 YEAR CD OR IRA CD · Standard | $50.010.05% APY · 2 YEAR CD OR IRA CD · Standard |
| 36 months | $15.020.10% APY · 3 YEAR CD OR IRA CD · Standard | $30.030.10% APY · 3 YEAR CD OR IRA CD · Standard | $75.080.10% APY · 3 YEAR CD OR IRA CD · Standard | $150.150.10% APY · 3 YEAR CD OR IRA CD · Standard |
| 48 months | $30.070.15% APY · 4 YEAR CD OR IRA CD · Standard | $60.140.15% APY · 4 YEAR CD OR IRA CD · Standard | $150.340.15% APY · 4 YEAR CD OR IRA CD · Standard | $300.680.15% APY · 4 YEAR CD OR IRA CD · Standard |
| 60 months | $50.200.20% APY · 5 YEAR CD OR IRA CD · Standard | $100.400.20% APY · 5 YEAR CD OR IRA CD · Standard | $251.000.20% APY · 5 YEAR CD OR IRA CD · Standard | $502.000.20% APY · 5 YEAR CD OR IRA CD · Standard |
How Ascend Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 578-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 11 of 19 tracked institutions with fresh 578-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 |
|---|---|---|---|---|---|
| Ascend Bank (this institution)19 MONTH SMART CD WITH BUMP UP FEATURE · Relationship | 19 months | $5,000 | Branches in CT | 4.00% | October 22, 2026 |
| Synchrony BankCD · Standard | 19 months | Not stated | Available nationwide | 4.35% | October 22, 2026 |
| TruNorth BankCertificate of Deposit · Standard | 19 months | $1,000 | Branches in CT, MA, NH | 4.05% | October 22, 2026 |
| Florida Credit Union (highest tracked APY for this term)19 month CD & IRA CD Special · Promotional | 19 months | $1,000 | Membership required · branches in FL | 4.50% | October 22, 2026 |
| Treasury (APY-equivalent) | 19 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.74% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Ascend Bank on October 22, 2026.
About Ascend Bank
- Legal name
- Ascend Bank
- Regulator ID
- FDIC 18194
- Headquarters
- Guilford, CT
- Available in
- CT
- Total assets
- $1.5 billion
- Also known as
- Website
- www.ascend.bank
Source: rates read from https://ascend.bank/personal/bank/deposit-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Ascend Bank?
Among the rates we track, 4.00% APY on a 19-month relationship CD, as of October 22, 2026.
What is the minimum deposit for a Ascend Bank CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $5,000.
How does Ascend Bank's best CD rate compare with Treasury yields?
4.00% APY is −0.74% versus the 19-month Treasury yield of 4.74% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.6 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 Ascend Bank CDs insured?
Ascend Bank is an FDIC-insured bank (FDIC 18194). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Ascend Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Ascend Bank's website and may change at any time. Confirm terms, minimums and eligibility with Ascend Bank before opening an account. This page is not financial advice.