# Bank of Ann Arbor CD rates

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.

Canonical page: https://apyledger.com/cd-rates/bank-of-ann-arbor
Institution: Bank of Ann Arbor (FDIC 34120)
Aliases: 
Status: live
Last verified: 2026-10-23T12:36:05.000Z (October 23, 2026)
Official source: https://www.bankofannarbor.com/personal/savings/cds-iras/
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3 Month Retail CD | standard | 3 months | $1,000 | 3.15% | Not ZIP-priced | −1.11% | 2026-10-23T12:36:05.000Z | [Snapshot 1031](https://apyledger.com/snapshots/1031) |
| 6 Month Retail CD | standard | 6 months | $1,000 | 3.20% | Not ZIP-priced | −1.14% | 2026-10-23T12:36:05.000Z | [Snapshot 1031](https://apyledger.com/snapshots/1031) |
| 12 Month Retail CD | standard | 12 months | $1,000 | 3.35% | Not ZIP-priced | −1.11% | 2026-10-23T12:36:05.000Z | [Snapshot 1031](https://apyledger.com/snapshots/1031) |
| 18 Month Retail CD | standard | 18 months | $1,000 | 3.35% | Not ZIP-priced | −1.23% | 2026-10-23T12:36:05.000Z | [Snapshot 1031](https://apyledger.com/snapshots/1031) |
| 2 Year Retail CD | standard | 24 months | $1,000 | 3.50% | Not ZIP-priced | −1.20% | 2026-10-23T12:36:05.000Z | [Snapshot 1031](https://apyledger.com/snapshots/1031) |
| 4 Year Retail CD | standard | 48 months | $1,000 | 3.50% | Not ZIP-priced | −1.31% | 2026-10-23T12:36:05.000Z | [Snapshot 1031](https://apyledger.com/snapshots/1031) |
| 5 Year Retail CD | standard | 60 months | $1,000 | 3.50% | Not ZIP-priced | −1.34% | 2026-10-23T12:36:05.000Z | [Snapshot 1031](https://apyledger.com/snapshots/1031) |

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.