b1BANK CD Rates — October 2026
As of October 22, 2026, b1BANK's highest tracked CD rate is 4.00% APY on an 11-month promotional CD ($1,000 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 1.00% to 2.02% APY.
Tracking began .
b1BANK CD rates
Includes 7-, 11- and 23-month CD specials and standard CDs from 3 to 60 months. Funds cannot be withdrawn before maturity without a penalty.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | 3 Month CD | $1,000 | 1.00% | −3.29% | Top 81% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | 6 Month CD | $1,000 | 2.02% | −2.38% | Top 79% of tracked 6-month CDs · Verified October 22, 2026 |
| 7 months | 7 Month CD (Special) Promotional | $1,000 | 3.60% | −0.83% | Verified October 22, 2026 |
| 9 months | 9 Month CD | $1,000 | 2.02% | −2.46% | Top 89% of tracked 9-month CDs · Verified October 22, 2026 |
| 11 months | 11 Month CD (Special) Promotional | $1,000 | 4.00% | −0.54% | Verified October 22, 2026 |
| 12 months | 12 Month CD | $1,000 | 2.02% | −2.55% | Top 81% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | 18 Month CD | $1,000 | 2.02% | −2.70% | Top 83% of tracked 18-month CDs · Verified October 22, 2026 |
| 23 months | 23 Month CD (Special) Promotional | $1,000 | 3.45% | −1.39% | Verified October 22, 2026 |
| 24 months | 24 Month CD | $1,000 | 2.02% | −2.85% | Top 80% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | 36 Month CD | $1,000 | 1.76% | −3.19% | Top 82% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | 48 Month CD | $1,000 | 1.76% | −3.22% | Top 82% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | 60 Month CD | $1,000 | 1.76% | −3.25% | Top 83% 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 4.00% APY (11 months). The standard rate for a similar term is 2.02% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $198 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 b1BANK's best CD rates by term?
b1BANK's best rate is 4.00% APY on 11 months, verified October 22, 2026.
- 3 mo1.00%
- 6 mo2.02%
- 7 mo3.60%
- 9 mo2.02%
- 11 mo4.00%
- 12 mo2.02%
- 18 mo2.02%
- 23 mo3.45%
- 24 mo2.02%
- 36 mo1.76%
- 48 mo1.76%
- 60 mo1.76%
How much interest could a b1BANK 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.
$366.53 interest · $10,366.53 at maturity on $10,000.00.
4.00% APY · 11 months · 11 Month CD (Special) · 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 |
|---|---|---|---|---|
| 3 months | $12.421.00% APY · 3 Month CD · Standard | $24.841.00% APY · 3 Month CD · Standard | $62.101.00% APY · 3 Month CD · Standard | $124.191.00% APY · 3 Month CD · Standard |
| 6 months | $50.392.02% APY · 6 Month CD · Standard | $100.772.02% APY · 6 Month CD · Standard | $251.932.02% APY · 6 Month CD · Standard | $503.862.02% APY · 6 Month CD · Standard |
| 7 months | $104.273.60% APY · 7 Month CD (Special) · Promotional | $208.533.60% APY · 7 Month CD (Special) · Promotional | $521.333.60% APY · 7 Month CD (Special) · Promotional | $1,042.673.60% APY · 7 Month CD (Special) · Promotional |
| 9 months | $75.632.02% APY · 9 Month CD · Standard | $151.262.02% APY · 9 Month CD · Standard | $378.152.02% APY · 9 Month CD · Standard | $756.302.02% APY · 9 Month CD · Standard |
| 11 months | $183.264.00% APY · 11 Month CD (Special) · Promotional | $366.534.00% APY · 11 Month CD (Special) · Promotional | $916.324.00% APY · 11 Month CD (Special) · Promotional | $1,832.644.00% APY · 11 Month CD (Special) · Promotional |
| 12 months | $101.002.02% APY · 12 Month CD · Standard | $202.002.02% APY · 12 Month CD · Standard | $505.002.02% APY · 12 Month CD · Standard | $1,010.002.02% APY · 12 Month CD · Standard |
| 18 months | $152.402.02% APY · 18 Month CD · Standard | $304.812.02% APY · 18 Month CD · Standard | $762.022.02% APY · 18 Month CD · Standard | $1,524.042.02% APY · 18 Month CD · Standard |
| 23 months | $336.053.45% APY · 23 Month CD (Special) · Promotional | $672.113.45% APY · 23 Month CD (Special) · Promotional | $1,680.273.45% APY · 23 Month CD (Special) · Promotional | $3,360.553.45% APY · 23 Month CD (Special) · Promotional |
| 24 months | $204.042.02% APY · 24 Month CD · Standard | $408.082.02% APY · 24 Month CD · Standard | $1,020.202.02% APY · 24 Month CD · Standard | $2,040.402.02% APY · 24 Month CD · Standard |
| 36 months | $268.671.76% APY · 36 Month CD · Standard | $537.351.76% APY · 36 Month CD · Standard | $1,343.371.76% APY · 36 Month CD · Standard | $2,686.741.76% APY · 36 Month CD · Standard |
| 48 months | $361.401.76% APY · 48 Month CD · Standard | $722.801.76% APY · 48 Month CD · Standard | $1,807.011.76% APY · 48 Month CD · Standard | $3,614.021.76% APY · 48 Month CD · Standard |
| 60 months | $455.761.76% APY · 60 Month CD · Standard | $911.531.76% APY · 60 Month CD · Standard | $2,278.811.76% APY · 60 Month CD · Standard | $4,557.631.76% APY · 60 Month CD · Standard |
How b1BANK compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 335-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 19 of 53 tracked institutions with fresh 335-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 |
|---|---|---|---|---|---|
| b1BANK (this institution)11 Month CD (Special) · Promotional | 11 months | $1,000 | Branches in LA, TX | 4.00% | October 22, 2026 |
| Capital OneSpecial 11-month 360 CD · Promotional | 11 months | Not stated | Available nationwide | 4.40% | October 22, 2026 |
| Wells Fargo11 month Special Fixed Rate CD - Relationship · Relationship | 11 months | $5,000 | Dallas, TX · ZIP 75201 | 4.25% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 11 months | $2,500 | Available nationwide | 4.10% | October 22, 2026 |
| Happen Bank (highest tracked APY for this term)CD · Promotional | 11 months | $500 | Branches in CA, UT | 4.65% | October 22, 2026 |
| Treasury (APY-equivalent) | 11 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.54% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking b1BANK on October 22, 2026.
About b1BANK
- Legal name
- b1BANK
- Regulator ID
- FDIC 58228
- Headquarters
- Baton Rouge, LA
- Available in
- LA, TX
- Total assets
- $8.9 billion
- Also known as
- Website
- www.b1bank.com
Source: rates read from https://www.b1bank.com/personal/long-term/cds. See the page text we read.
Frequently asked questions
What is the highest CD rate at b1BANK?
Among the rates we track, 4.00% APY on an 11-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a b1BANK CD?
The lowest minimum we found is $1,000.
How does b1BANK's best CD rate compare with Treasury yields?
4.00% APY is −0.54% versus the 11-month Treasury yield of 4.54% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.3 times the FDIC national average for a similar term (1.76% 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 b1BANK CDs insured?
b1BANK is an FDIC-insured bank (FDIC 58228). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check b1BANK's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from b1BANK's website and may change at any time. Confirm terms, minimums and eligibility with b1BANK before opening an account. This page is not financial advice.