# Bank Five Nine CD rates

As of October 22, 2026, Bank Five Nine's highest tracked CD rate is 4.65% APY on a 23-month relationship CD ($2,500 minimum). That is 3.0 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.00% to 4.50% APY.

Canonical page: https://apyledger.com/cd-rates/bank-five-nine
Institution: Bank Five Nine (FDIC 12517)
Aliases: 
Status: live
Last verified: 2026-10-22T16:20:55.000Z (October 22, 2026)
Official source: https://www.bankfivenine.com/personal/banking/cds-iras/
Coverage: Standard CDs from 6 to 60 months ($1,000) and 7-, 11-, 16- and 23-month specials ($2,500, new money only, up to $250,000) with higher relationship APYs for customers with an active Bank Five Nine consumer checking account. Specials renew into standard terms. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 6 Month CD | standard | 6 months | $1,000 | 3.00% | Not ZIP-priced | −1.40% | 2026-10-22T16:20:55.000Z | [Snapshot 325](https://apyledger.com/snapshots/325) |
| 7 Month Special CD (Relationship) | relationship | 7 months | $2,500 | 3.90% | Not ZIP-priced | −0.53% | 2026-10-22T16:20:55.000Z | [Snapshot 325](https://apyledger.com/snapshots/325) |
| 7 Month Special CD | promotional | 7 months | $2,500 | 3.65% | Not ZIP-priced | −0.78% | 2026-10-22T16:20:55.000Z | [Snapshot 325](https://apyledger.com/snapshots/325) |
| 11 Month Special CD (Relationship) | relationship | 11 months | $2,500 | 4.10% | Not ZIP-priced | −0.44% | 2026-10-22T16:20:55.000Z | [Snapshot 325](https://apyledger.com/snapshots/325) |
| 11 Month Special CD | promotional | 11 months | $2,500 | 3.85% | Not ZIP-priced | −0.69% | 2026-10-22T16:20:55.000Z | [Snapshot 325](https://apyledger.com/snapshots/325) |
| 12 Month CD | standard | 12 months | $1,000 | 3.50% | Not ZIP-priced | −1.07% | 2026-10-22T16:20:55.000Z | [Snapshot 325](https://apyledger.com/snapshots/325) |
| 16 Month Special CD (Relationship) | relationship | 16 months | $2,500 | 4.45% | Not ZIP-priced | −0.22% | 2026-10-22T16:20:55.000Z | [Snapshot 325](https://apyledger.com/snapshots/325) |
| 16 Month Special CD | promotional | 16 months | $2,500 | 4.20% | Not ZIP-priced | −0.47% | 2026-10-22T16:20:55.000Z | [Snapshot 325](https://apyledger.com/snapshots/325) |
| 23 Month Special CD (Relationship) | relationship | 23 months | $2,500 | 4.65% | Not ZIP-priced | −0.19% | 2026-10-22T16:20:55.000Z | [Snapshot 325](https://apyledger.com/snapshots/325) |
| 23 Month Special CD | promotional | 23 months | $2,500 | 4.40% | Not ZIP-priced | −0.44% | 2026-10-22T16:20:55.000Z | [Snapshot 325](https://apyledger.com/snapshots/325) |
| Young American CD | special | 24 months | $200 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T16:20:55.000Z | [Snapshot 325](https://apyledger.com/snapshots/325) |
| 24 Month CD | standard | 24 months | $1,000 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T16:20:55.000Z | [Snapshot 325](https://apyledger.com/snapshots/325) |
| 36 Month CD | standard | 36 months | $1,000 | 4.00% | Not ZIP-priced | −0.95% | 2026-10-22T16:20:55.000Z | [Snapshot 325](https://apyledger.com/snapshots/325) |
| 48 Month CD | standard | 48 months | $1,000 | 4.25% | Not ZIP-priced | −0.73% | 2026-10-22T16:20:55.000Z | [Snapshot 325](https://apyledger.com/snapshots/325) |
| 60 Month CD | standard | 60 months | $1,000 | 4.50% | Not ZIP-priced | −0.51% | 2026-10-22T16:20:55.000Z | [Snapshot 325](https://apyledger.com/snapshots/325) |

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.