Bank of the Orient CD Rates — October 2026
As of October 22, 2026, Bank of the Orient's highest tracked CD rate is 4.08% APY on a 13-month promotional CD ($100,000 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%).
Tracking began .
Bank of the Orient CD rates
Limited-time CD specials only (6, 9 and 13 months) with $10,000–$99,999 and $100,000+ balance tiers. Standard CD rates are not included; contact a branch for details.
| Term | Product | APY |
|---|---|---|
| 6 months | 6-Month CD Special Promotional | 3.88%Top 26% · $10k reference sampleVerified October 22, 2026 |
| 6 months | 6-Month CD Special Promotional | 3.73%Top 38% · $10k reference sampleVerified October 22, 2026 |
| 9 months | 9-Month CD Special Promotional | 3.98%Top 31% · $10k reference sampleVerified October 22, 2026 |
| 9 months | 9-Month CD Special Promotional | 3.83%Top 39% · $10k reference sampleVerified October 22, 2026 |
| 13 months | 13-Month CD Special Promotional | 4.08%Verified October 22, 2026 |
| 13 months | 13-Month CD Special Promotional | 3.93%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Bank of the Orient's best CD rates by term?
Bank of the Orient's best rate is 4.08% APY on 13 months, verified October 22, 2026.
- 6 mo3.88%
- 9 mo3.98%
- 13 mo4.08%
How much interest could a Bank of the Orient 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.
$425.98 interest · $10,425.98 at maturity on $10,000.00.
3.93% APY · 13 months · 13-Month CD Special · Promotional · verified October 22, 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 | Not estimated | $185.303.73% APY · 6-Month CD Special · Promotional | $463.263.73% APY · 6-Month CD Special · Promotional | $926.523.73% APY · 6-Month CD Special · Promotional |
| 9 months | Not estimated | $286.163.83% APY · 9-Month CD Special · Promotional | $715.403.83% APY · 9-Month CD Special · Promotional | $1,430.813.83% APY · 9-Month CD Special · Promotional |
| 13 months | Not estimated | $425.983.93% APY · 13-Month CD Special · Promotional | $1,064.953.93% APY · 13-Month CD Special · Promotional | $2,129.903.93% APY · 13-Month CD Special · Promotional |
How Bank of the Orient compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 395-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 31 of 64 tracked institutions with fresh 395-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 | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Bank of the Orient (this institution)13-Month CD Special · Promotional | 13 months | $100,000 | Coverage: CA, TX | 4.08% | October 22, 2026 |
| CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard | 13 months | $1,000 | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 13 months | $2,500 | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Synchrony BankCD · Standard | 13 months | Not stated | Nationwide; check eligibility | 4.40% | October 22, 2026 |
| Del Norte Credit Union (highest tracked APY for this term)Share Certificate - $100,000+ Minimum Balance · Promotional | 13 months | $100,000 | Coverage: NM | 5.23% | October 22, 2026 |
| Treasury (APY-equivalent) | 13 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.60% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Bank of the Orient on October 22, 2026.
About Bank of the Orient
- Legal name
- Bank of the Orient
- Regulator ID
- FDIC 20387
- Headquarters
- San Francisco, CA
- Available in
- CA, TX
- Total assets
- $1.2 billion
- Also known as
- Website
- www.bankorient.com
Source: rates read from https://www.bankorient.com/en-us/Bank-Solutions/Personal-Solutions/Certificates-of-Deposit. See the page text we read.
Frequently asked questions
What is the highest CD rate at Bank of the Orient?
Among the rates we track, 4.08% APY on a 13-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Bank of the Orient CD?
The lowest minimum we found is $10,000; jumbo and higher balance tiers start at up to $100,000.
How does Bank of the Orient's best CD rate compare with Treasury yields?
4.08% APY is −0.52% versus the 13-month Treasury yield of 4.60% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.08% a good CD rate?
It is 2.3 times the FDIC national average for a similar term (1.76% 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 the Orient CDs insured?
Bank of the Orient is an FDIC-insured bank (FDIC 20387). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Bank of the Orient's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Bank of the Orient's website and may change at any time. Confirm terms, minimums and eligibility with Bank of the Orient before opening an account. This page is not financial advice.