# Bank of the Orient CD rates

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%).

Canonical page: https://apyledger.com/cd-rates/bank-of-the-orient
Institution: Bank of the Orient (FDIC 20387)
Aliases: 
Status: live
Last verified: 2026-10-22T16:21:03.000Z (October 22, 2026)
Official source: https://www.bankorient.com/en-us/Bank-Solutions/Personal-Solutions/Certificates-of-Deposit
Coverage: 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.
Treasury comparison date: 2026-10-21. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 6-Month CD Special | promotional | 6 months | $100,000 | 3.88% | Not ZIP-priced | −0.52% | 2026-10-22T16:21:03.000Z | [Snapshot 311](https://apyledger.com/snapshots/311) |
| 6-Month CD Special | promotional | 6 months | $10,000 | 3.73% | Not ZIP-priced | −0.67% | 2026-10-22T16:21:03.000Z | [Snapshot 311](https://apyledger.com/snapshots/311) |
| 9-Month CD Special | promotional | 9 months | $100,000 | 3.98% | Not ZIP-priced | −0.50% | 2026-10-22T16:21:03.000Z | [Snapshot 311](https://apyledger.com/snapshots/311) |
| 9-Month CD Special | promotional | 9 months | $10,000 | 3.83% | Not ZIP-priced | −0.65% | 2026-10-22T16:21:03.000Z | [Snapshot 311](https://apyledger.com/snapshots/311) |
| 13-Month CD Special | promotional | 13 months | $100,000 | 4.08% | Not ZIP-priced | −0.52% | 2026-10-22T16:21:03.000Z | [Snapshot 311](https://apyledger.com/snapshots/311) |
| 13-Month CD Special | promotional | 13 months | $10,000 | 3.93% | Not ZIP-priced | −0.67% | 2026-10-22T16:21:03.000Z | [Snapshot 311](https://apyledger.com/snapshots/311) |

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.