# Ascend Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/ascend-bank
Institution: Ascend Bank (FDIC 18194)
Aliases: 
Status: live
Last verified: 2026-10-23T01:35:44.000Z (October 22, 2026)
Official source: https://ascend.bank/personal/bank/deposit-rates/
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3 MONTH CD | relationship | 3 months | $1,000 | 0.10% | Not ZIP-priced | −4.20% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 3 MONTH CD | standard | 3 months | $1,000 | 0.05% | Not ZIP-priced | −4.25% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 3 MONTH CD | standard | 3 months | $1,000 | 0.05% | Not ZIP-priced | −4.25% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 5 MONTH SMART CD | relationship | 5 months | $5,000 | 3.65% | Not ZIP-priced | −0.74% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 5 MONTH SMART CD | relationship | 5 months | $5,000 | 3.15% | Not ZIP-priced | −1.24% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 6 MONTH CD | relationship | 6 months | $1,000 | 0.10% | Not ZIP-priced | −4.30% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 6 MONTH CD | standard | 6 months | $1,000 | 0.05% | Not ZIP-priced | −4.35% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 6 MONTH CD | standard | 6 months | $1,000 | 0.05% | Not ZIP-priced | −4.35% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 9 MONTH SMART CD | relationship | 9 months | $5,000 | 3.75% | Not ZIP-priced | −0.73% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 9 MONTH SMART CD | relationship | 9 months | $5,000 | 3.25% | Not ZIP-priced | −1.23% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 9 MONTH CD OR IRA CD | relationship | 9 months | $1,000 | 0.20% | Not ZIP-priced | −4.28% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 9 MONTH CD OR IRA CD | standard | 9 months | $1,000 | 0.05% | Not ZIP-priced | −4.43% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 9 MONTH CD OR IRA CD | standard | 9 months | $1,000 | 0.05% | Not ZIP-priced | −4.43% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 12 MONTH SMART CD | relationship | 12 months | $5,000 | 3.90% | Not ZIP-priced | −0.67% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 12 MONTH SMART CD | relationship | 12 months | $5,000 | 3.40% | Not ZIP-priced | −1.17% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 1 YEAR CD OR IRA CD | relationship | 12 months | $1,000 | 0.25% | Not ZIP-priced | −4.32% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 1 YEAR CD OR IRA CD | relationship | 12 months | $1,000 | 0.10% | Not ZIP-priced | −4.47% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 1 YEAR CD OR IRA CD | standard | 12 months | $1,000 | 0.05% | Not ZIP-priced | −4.52% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 17 MONTH SMART CD+ | relationship | 17 months | $5,000 | 3.75% | Not ZIP-priced | −0.94% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 17 MONTH SMART CD+ | relationship | 17 months | $5,000 | 3.00% | Not ZIP-priced | −1.69% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 18 MONTH CD | relationship | 18 months | $1,000 | 0.35% | Not ZIP-priced | −4.37% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 18 MONTH CD | relationship | 18 months | $1,000 | 0.15% | Not ZIP-priced | −4.57% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 18 MONTH CD | standard | 18 months | $1,000 | 0.05% | Not ZIP-priced | −4.67% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 19 MONTH SMART CD WITH BUMP UP FEATURE | relationship | 19 months | $5,000 | 4.00% | Not ZIP-priced | −0.74% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 19 MONTH SMART CD WITH BUMP UP FEATURE | relationship | 19 months | $5,000 | 3.85% | Not ZIP-priced | −0.89% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 2 YEAR CD OR IRA CD | relationship | 24 months | $1,000 | 0.50% | Not ZIP-priced | −4.37% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 2 YEAR CD OR IRA CD | relationship | 24 months | $1,000 | 0.15% | Not ZIP-priced | −4.72% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 2 YEAR CD OR IRA CD | standard | 24 months | $1,000 | 0.05% | Not ZIP-priced | −4.82% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 3 YEAR CD OR IRA CD | relationship | 36 months | $1,000 | 0.75% | Not ZIP-priced | −4.20% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 3 YEAR CD OR IRA CD | relationship | 36 months | $1,000 | 0.20% | Not ZIP-priced | −4.75% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 3 YEAR CD OR IRA CD | standard | 36 months | $1,000 | 0.10% | Not ZIP-priced | −4.85% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 4 YEAR CD OR IRA CD | relationship | 48 months | $1,000 | 0.85% | Not ZIP-priced | −4.13% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 4 YEAR CD OR IRA CD | relationship | 48 months | $1,000 | 0.25% | Not ZIP-priced | −4.73% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 4 YEAR CD OR IRA CD | standard | 48 months | $1,000 | 0.15% | Not ZIP-priced | −4.83% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 5 YEAR CD OR IRA CD | relationship | 60 months | $1,000 | 1.00% | Not ZIP-priced | −4.01% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 5 YEAR CD OR IRA CD | relationship | 60 months | $1,000 | 0.30% | Not ZIP-priced | −4.71% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |
| 5 YEAR CD OR IRA CD | standard | 60 months | $1,000 | 0.20% | Not ZIP-priced | −4.81% | 2026-10-23T01:35:44.000Z | [Snapshot 483](https://apyledger.com/snapshots/483) |

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.