# b1BANK CD rates

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.

Canonical page: https://apyledger.com/cd-rates/b1bank
Institution: b1BANK (FDIC 58228)
Aliases: 
Status: live
Last verified: 2026-10-23T01:36:03.000Z (October 22, 2026)
Official source: https://www.b1bank.com/personal/long-term/cds
Coverage: 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 Funds cannot be withdrawn before maturity without a penalty.
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 | standard | 3 months | $1,000 | 1.00% | Not ZIP-priced | −3.29% | 2026-10-23T01:36:03.000Z | [Snapshot 484](https://apyledger.com/snapshots/484) |
| 6 Month CD | standard | 6 months | $1,000 | 2.02% | Not ZIP-priced | −2.38% | 2026-10-23T01:36:03.000Z | [Snapshot 484](https://apyledger.com/snapshots/484) |
| 7 Month CD (Special) | promotional | 7 months | $1,000 | 3.60% | Not ZIP-priced | −0.83% | 2026-10-23T01:36:03.000Z | [Snapshot 484](https://apyledger.com/snapshots/484) |
| 9 Month CD | standard | 9 months | $1,000 | 2.02% | Not ZIP-priced | −2.46% | 2026-10-23T01:36:03.000Z | [Snapshot 484](https://apyledger.com/snapshots/484) |
| 11 Month CD (Special) | promotional | 11 months | $1,000 | 4.00% | Not ZIP-priced | −0.54% | 2026-10-23T01:36:03.000Z | [Snapshot 484](https://apyledger.com/snapshots/484) |
| 12 Month CD | standard | 12 months | $1,000 | 2.02% | Not ZIP-priced | −2.55% | 2026-10-23T01:36:03.000Z | [Snapshot 484](https://apyledger.com/snapshots/484) |
| 18 Month CD | standard | 18 months | $1,000 | 2.02% | Not ZIP-priced | −2.70% | 2026-10-23T01:36:03.000Z | [Snapshot 484](https://apyledger.com/snapshots/484) |
| 23 Month CD (Special) | promotional | 23 months | $1,000 | 3.45% | Not ZIP-priced | −1.39% | 2026-10-23T01:36:03.000Z | [Snapshot 484](https://apyledger.com/snapshots/484) |
| 24 Month CD | standard | 24 months | $1,000 | 2.02% | Not ZIP-priced | −2.85% | 2026-10-23T01:36:03.000Z | [Snapshot 484](https://apyledger.com/snapshots/484) |
| 36 Month CD | standard | 36 months | $1,000 | 1.76% | Not ZIP-priced | −3.19% | 2026-10-23T01:36:03.000Z | [Snapshot 484](https://apyledger.com/snapshots/484) |
| 48 Month CD | standard | 48 months | $1,000 | 1.76% | Not ZIP-priced | −3.22% | 2026-10-23T01:36:03.000Z | [Snapshot 484](https://apyledger.com/snapshots/484) |
| 60 Month CD | standard | 60 months | $1,000 | 1.76% | Not ZIP-priced | −3.25% | 2026-10-23T01:36:03.000Z | [Snapshot 484](https://apyledger.com/snapshots/484) |

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.