# Bank Independent CD rates

As of October 22, 2026, Bank Independent's highest tracked CD rate is 3.80% APY on a 36-month promotional CD ($1,000 minimum). That is 2.7 times the FDIC national average for 36-month CDs (1.39%).

Canonical page: https://apyledger.com/cd-rates/bank-independent
Institution: Bank Independent (FDIC 16604)
Aliases: 
Status: live
Last verified: 2026-10-22T16:20:57.000Z (October 22, 2026)
Official source: https://www.bibank.com/personal/certificates
Coverage: Published certificate rates from 3 months to 5 years with a $1,000 minimum deposit. Premier Growth CDs can open with $1 plus a monthly automatic transfer. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | promotional | 3 months | $1,000 | 3.25% | Not ZIP-priced | −1.04% | 2026-10-22T16:20:57.000Z | [Snapshot 312](https://apyledger.com/snapshots/312) |
| Certificate of Deposit | promotional | 6 months | $1,000 | 3.24% | Not ZIP-priced | −1.16% | 2026-10-22T16:20:57.000Z | [Snapshot 312](https://apyledger.com/snapshots/312) |
| Certificate of Deposit | promotional | 7 months | $1,000 | 3.43% | Not ZIP-priced | −1.00% | 2026-10-22T16:20:57.000Z | [Snapshot 312](https://apyledger.com/snapshots/312) |
| Certificate of Deposit | promotional | 12 months | $1,000 | 3.65% | Not ZIP-priced | −0.92% | 2026-10-22T16:20:57.000Z | [Snapshot 312](https://apyledger.com/snapshots/312) |
| Certificate of Deposit | promotional | 18 months | $1,000 | 3.02% | Not ZIP-priced | −1.70% | 2026-10-22T16:20:57.000Z | [Snapshot 312](https://apyledger.com/snapshots/312) |
| Certificate of Deposit | promotional | 24 months | $1,000 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T16:20:57.000Z | [Snapshot 312](https://apyledger.com/snapshots/312) |
| Certificate of Deposit | promotional | 36 months | $1,000 | 3.80% | Not ZIP-priced | −1.15% | 2026-10-22T16:20:57.000Z | [Snapshot 312](https://apyledger.com/snapshots/312) |
| Certificate of Deposit | promotional | 48 months | $1,000 | 2.01% | Not ZIP-priced | −2.97% | 2026-10-22T16:20:57.000Z | [Snapshot 312](https://apyledger.com/snapshots/312) |
| Certificate of Deposit | promotional | 60 months | $1,000 | 2.01% | Not ZIP-priced | −3.00% | 2026-10-22T16:20:57.000Z | [Snapshot 312](https://apyledger.com/snapshots/312) |

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.