Bank of Bird-in-Hand CD Rates — October 2026
As of October 23, 2026, Bank of Bird-in-Hand's highest tracked CD rate is 4.05% APY on a 6-month CD ($500 minimum). That is 2.9 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 1.25% to 4.05% APY.
Tracking began .
Bank of Bird-in-Hand CD rates
Personal CD and IRA-shared rates, with a $500 minimum opening deposit. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | CD/IRA | $500 | 4.05%Free rate alert | −0.29% | Top 11% of tracked 6-month CDs · Verified October 23, 2026 |
| 12 months | CD/IRA | $500 | 3.75%Free rate alert | −0.71% | Top 43% of tracked 12-month CDs · Verified October 23, 2026 |
| 18 months | CD/IRA | $500 | 4.05%Free rate alert | −0.53% | Top 24% of tracked 18-month CDs · Verified October 23, 2026 |
| 24 months | CD/IRA | $500 | 3.65%Free rate alert | −1.05% | Top 38% of tracked 24-month CDs · Verified October 23, 2026 |
| 36 months | CD/IRA | $500 | 3.55%Free rate alert | −1.23% | Top 35% of tracked 36-month CDs · Verified October 23, 2026 |
| 48 months | CD/IRA | $500 | 1.25%Free rate alert | −3.56% | Top 86% of tracked 48-month CDs · Verified October 23, 2026 |
| 60 months | CD/IRA | $500 | 1.25%Free rate alert | −3.59% | Top 88% 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 Bird-in-Hand's best CD rates by term?
Bank of Bird-in-Hand's best rate is 4.05% APY on 6 months, verified October 23, 2026.
- 6 mo4.05%
- 12 mo3.75%
- 18 mo4.05%
- 24 mo3.65%
- 36 mo3.55%
- 48 mo1.25%
- 60 mo1.25%
How much interest could a Bank of Bird-in-Hand 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.
$201.04 interest · $10,201.04 at maturity on $10,000.00.
4.05% APY · 6 months · CD/IRA · 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 |
|---|---|---|---|---|
| 6 months | $100.524.05% APY · CD/IRA · Standard | $201.044.05% APY · CD/IRA · Standard | $502.614.05% APY · CD/IRA · Standard | $1,005.224.05% APY · CD/IRA · Standard |
| 12 months | $187.503.75% APY · CD/IRA · Standard | $375.003.75% APY · CD/IRA · Standard | $937.503.75% APY · CD/IRA · Standard | $1,875.003.75% APY · CD/IRA · Standard |
| 18 months | $307.094.05% APY · CD/IRA · Standard | $614.194.05% APY · CD/IRA · Standard | $1,535.474.05% APY · CD/IRA · Standard | $3,070.944.05% APY · CD/IRA · Standard |
| 24 months | $371.663.65% APY · CD/IRA · Standard | $743.323.65% APY · CD/IRA · Standard | $1,858.313.65% APY · CD/IRA · Standard | $3,716.613.65% APY · CD/IRA · Standard |
| 36 months | $551.633.55% APY · CD/IRA · Standard | $1,103.253.55% APY · CD/IRA · Standard | $2,758.143.55% APY · CD/IRA · Standard | $5,516.273.55% APY · CD/IRA · Standard |
| 48 months | $254.731.25% APY · CD/IRA · Standard | $509.451.25% APY · CD/IRA · Standard | $1,273.631.25% APY · CD/IRA · Standard | $2,547.271.25% APY · CD/IRA · Standard |
| 60 months | $320.411.25% APY · CD/IRA · Standard | $640.821.25% APY · CD/IRA · Standard | $1,602.051.25% APY · CD/IRA · Standard | $3,204.111.25% APY · CD/IRA · Standard |
How Bank of Bird-in-Hand compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 183-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 43 of 416 tracked institutions with fresh 183-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 Bird-in-Hand (this institution)CD/IRA · Standard | 6 months | $500 | Branches in PA | 4.05% | October 23, 2026 |
| Popular DirectCD · Standard | 6 months | $10,000 | Available nationwide | 4.35% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 6 months | Not stated | Available nationwide | 4.20% | October 22, 2026 |
| Live Oak BankPersonal CD · Standard | 6 months | $2,500 | Available nationwide | 4.20% | October 23, 2026 |
| Justice Federal Credit Union (highest tracked APY for this term)6-Month Special Certificate · Relationship | 6 months | $100,000 | Membership required · branches in 9 states | 5.20% | October 22, 2026 |
| Treasury (APY-equivalent) | 6 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.34% | 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 Bird-in-Hand on October 23, 2026.
About Bank of Bird-in-Hand
- Legal name
- Bank of Bird-in-Hand
- Regulator ID
- FDIC 59074
- Headquarters
- Bird In Hand, PA
- Available in
- PA
- Total assets
- $1.9 billion
- Also known as
- Website
- www.bihbank.com
Source: rates read from https://bihbank.com/personal/savings-cds/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Bank of Bird-in-Hand?
Among the rates we track, 4.05% APY on a 6-month CD, as of October 23, 2026.
What is the minimum deposit for a Bank of Bird-in-Hand CD?
The lowest minimum we found is $500.
How does Bank of Bird-in-Hand's best CD rate compare with Treasury yields?
4.05% APY is −0.29% versus the 6-month Treasury yield of 4.34% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.05% a good CD rate?
It is 2.9 times the FDIC national average for a similar term (1.39% 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 Bird-in-Hand CDs insured?
Bank of Bird-in-Hand is an FDIC-insured bank (FDIC 59074). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Bank of Bird-in-Hand'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 Bird-in-Hand's website and may change at any time. Confirm terms, minimums and eligibility with Bank of Bird-in-Hand before opening an account. This page is not financial advice.