Bank of Ann Arbor CD Rates — October 2026
As of October 23, 2026, Bank of Ann Arbor's highest tracked CD rate is 3.50% APY on a 24-month CD ($1,000 minimum). That is 2.3 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.15% to 3.50% APY.
Tracking began .
Bank of Ann Arbor CD rates
Standard retail CDs from 3 months to 5 years for deposits of $1,000 to $99,999; rates are set weekly. The rate table headings mention an autopay discount without stating its conditions. Jumbo CDs ($100,000, terms quoted as day ranges) are outside this collection scope. A penalty may be imposed for early withdrawal.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | 3 Month Retail CD | $1,000 | 3.15%Free rate alert | −1.11% | Top 36% of tracked 3-month CDs · Verified October 23, 2026 |
| 6 months | 6 Month Retail CD | $1,000 | 3.20%Free rate alert | −1.14% | Top 60% of tracked 6-month CDs · Verified October 23, 2026 |
| 12 months | 12 Month Retail CD | $1,000 | 3.35%Free rate alert | −1.11% | Top 61% of tracked 12-month CDs · Verified October 23, 2026 |
| 18 months | 18 Month Retail CD | $1,000 | 3.35%Free rate alert | −1.23% | Top 56% of tracked 18-month CDs · Verified October 23, 2026 |
| 24 months | 2 Year Retail CD | $1,000 | 3.50%Free rate alert | −1.20% | Top 49% of tracked 24-month CDs · Verified October 23, 2026 |
| 48 months | 4 Year Retail CD | $1,000 | 3.50%Free rate alert | −1.31% | Top 35% of tracked 48-month CDs · Verified October 23, 2026 |
| 60 months | 5 Year Retail CD | $1,000 | 3.50%Free rate alert | −1.34% | Top 40% of tracked 60-month CDs · Verified October 23, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Bank of Ann Arbor's best CD rates by term?
Bank of Ann Arbor's best rate is 3.50% APY on 24 months, verified October 23, 2026.
- 3 mo3.15%
- 6 mo3.20%
- 12 mo3.35%
- 18 mo3.35%
- 24 mo3.50%
- 48 mo3.50%
- 60 mo3.50%
How much interest could a Bank of Ann Arbor 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.
$712.25 interest · $10,712.25 at maturity on $10,000.00.
3.50% APY · 24 months · 2 Year Retail CD · Standard · verified October 23, 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 | $38.813.15% APY · 3 Month Retail CD · Standard | $77.623.15% APY · 3 Month Retail CD · Standard | $194.063.15% APY · 3 Month Retail CD · Standard | $388.113.15% APY · 3 Month Retail CD · Standard |
| 6 months | $79.593.20% APY · 6 Month Retail CD · Standard | $159.183.20% APY · 6 Month Retail CD · Standard | $397.953.20% APY · 6 Month Retail CD · Standard | $795.893.20% APY · 6 Month Retail CD · Standard |
| 12 months | $167.503.35% APY · 12 Month Retail CD · Standard | $335.003.35% APY · 12 Month Retail CD · Standard | $837.503.35% APY · 12 Month Retail CD · Standard | $1,675.003.35% APY · 12 Month Retail CD · Standard |
| 18 months | $253.583.35% APY · 18 Month Retail CD · Standard | $507.163.35% APY · 18 Month Retail CD · Standard | $1,267.903.35% APY · 18 Month Retail CD · Standard | $2,535.803.35% APY · 18 Month Retail CD · Standard |
| 24 months | $356.123.50% APY · 2 Year Retail CD · Standard | $712.253.50% APY · 2 Year Retail CD · Standard | $1,780.623.50% APY · 2 Year Retail CD · Standard | $3,561.253.50% APY · 2 Year Retail CD · Standard |
| 48 months | $737.623.50% APY · 4 Year Retail CD · Standard | $1,475.233.50% APY · 4 Year Retail CD · Standard | $3,688.083.50% APY · 4 Year Retail CD · Standard | $7,376.153.50% APY · 4 Year Retail CD · Standard |
| 60 months | $938.433.50% APY · 5 Year Retail CD · Standard | $1,876.863.50% APY · 5 Year Retail CD · Standard | $4,692.163.50% APY · 5 Year Retail CD · Standard | $9,384.323.50% APY · 5 Year Retail CD · Standard |
How Bank of Ann Arbor compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 730-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 197 of 433 tracked institutions with fresh 730-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 |
|---|---|---|---|---|---|
| Bank of Ann Arbor (this institution)2 Year Retail CD · Standard | 24 months | $1,000 | Branches in MI | 3.50% | October 23, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 24 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| Popular DirectCD · Standard | 24 months | $10,000 | Available nationwide | 4.80% | October 22, 2026 |
| BarclaysOnline CD · Standard | 24 months | Not stated | Available nationwide | 4.75% | October 22, 2026 |
| Tower Federal Credit Union (highest tracked APY for this term)Regular Share Certificate · Standard | 24 months | $500 | Membership required · branches in MD | 5.20% | October 22, 2026 |
| Treasury (APY-equivalent) | 24 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.70% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking Bank of Ann Arbor on October 23, 2026.
About Bank of Ann Arbor
- Legal name
- Bank of Ann Arbor
- Regulator ID
- FDIC 34120
- Headquarters
- Ann Arbor, MI
- Available in
- MI
- Total assets
- $3.5 billion
- Also known as
- Website
- www.bankofannarbor.com
Source: rates read from https://www.bankofannarbor.com/personal/savings/cds-iras/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Bank of Ann Arbor?
Among the rates we track, 3.50% APY on a 24-month CD, as of October 23, 2026.
What is the minimum deposit for a Bank of Ann Arbor CD?
The lowest minimum we found is $1,000.
How does Bank of Ann Arbor's best CD rate compare with Treasury yields?
3.50% APY is −1.20% versus the 24-month Treasury yield of 4.70% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 3.50% a good CD rate?
It is 2.3 times the FDIC national average for a similar term (1.55% 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 Bank of Ann Arbor CDs insured?
Bank of Ann Arbor is an FDIC-insured bank (FDIC 34120). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Bank of Ann Arbor's rate page every day. The rates above were last verified on October 23, 2026.
More bank CD rates
Rates are copied from Bank of Ann Arbor's website and may change at any time. Confirm terms, minimums and eligibility with Bank of Ann Arbor before opening an account. This page is not financial advice.