# Bank Midwest CD rates

As of October 23, 2026, Bank Midwest's highest tracked CD rate is 3.75% APY on a 60-month CD ($250,000 minimum). That is 2.7 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 3.33% to 3.75% APY.

Canonical page: https://apyledger.com/cd-rates/bank-midwest
Institution: Bank Midwest (FDIC 5170)
Aliases: 
Status: live
Last verified: 2026-10-23T11:31:00.000Z (October 23, 2026)
Official source: https://www.bankmidwest.com/help-center/rates/
Coverage: Personal CDs require $500; separate APYs apply to balances of $250,000 or more. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-22. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 182-day Certificate of Deposit | standard | 182 days | $250,000 | 3.43% | Not ZIP-priced | −0.91% | 2026-10-23T11:31:00.000Z | [Snapshot 1028](https://apyledger.com/snapshots/1028) |
| 182-day Certificate of Deposit | standard | 182 days | $500 | 3.33% | Not ZIP-priced | −1.01% | 2026-10-23T11:31:00.000Z | [Snapshot 1028](https://apyledger.com/snapshots/1028) |
| 12-month Certificate of Deposit | standard | 12 months | $250,000 | 3.45% | Not ZIP-priced | −1.01% | 2026-10-23T11:31:00.000Z | [Snapshot 1028](https://apyledger.com/snapshots/1028) |
| 12-month Certificate of Deposit | standard | 12 months | $500 | 3.35% | Not ZIP-priced | −1.11% | 2026-10-23T11:31:00.000Z | [Snapshot 1028](https://apyledger.com/snapshots/1028) |
| 18-month Certificate of Deposit | standard | 18 months | $250,000 | 3.45% | Not ZIP-priced | −1.13% | 2026-10-23T11:31:00.000Z | [Snapshot 1028](https://apyledger.com/snapshots/1028) |
| 18-month Certificate of Deposit | standard | 18 months | $500 | 3.35% | Not ZIP-priced | −1.23% | 2026-10-23T11:31:00.000Z | [Snapshot 1028](https://apyledger.com/snapshots/1028) |
| 24-month Certificate of Deposit | standard | 24 months | $250,000 | 3.55% | Not ZIP-priced | −1.15% | 2026-10-23T11:31:00.000Z | [Snapshot 1028](https://apyledger.com/snapshots/1028) |
| 24-month Certificate of Deposit | standard | 24 months | $500 | 3.45% | Not ZIP-priced | −1.25% | 2026-10-23T11:31:00.000Z | [Snapshot 1028](https://apyledger.com/snapshots/1028) |
| 30-month Certificate of Deposit | standard | 30 months | $250,000 | 3.55% | Not ZIP-priced | −1.19% | 2026-10-23T11:31:00.000Z | [Snapshot 1028](https://apyledger.com/snapshots/1028) |
| 30-month Certificate of Deposit | standard | 30 months | $500 | 3.45% | Not ZIP-priced | −1.29% | 2026-10-23T11:31:00.000Z | [Snapshot 1028](https://apyledger.com/snapshots/1028) |
| 48-month Certificate of Deposit | standard | 48 months | $250,000 | 3.65% | Not ZIP-priced | −1.16% | 2026-10-23T11:31:00.000Z | [Snapshot 1028](https://apyledger.com/snapshots/1028) |
| 48-month Certificate of Deposit | standard | 48 months | $500 | 3.55% | Not ZIP-priced | −1.26% | 2026-10-23T11:31:00.000Z | [Snapshot 1028](https://apyledger.com/snapshots/1028) |
| 60-month Certificate of Deposit | standard | 60 months | $250,000 | 3.75% | Not ZIP-priced | −1.09% | 2026-10-23T11:31:00.000Z | [Snapshot 1028](https://apyledger.com/snapshots/1028) |
| 60-month Certificate of Deposit | standard | 60 months | $500 | 3.65% | Not ZIP-priced | −1.19% | 2026-10-23T11:31:00.000Z | [Snapshot 1028](https://apyledger.com/snapshots/1028) |

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.