BankPlus CD Rates — October 2026
As of October 22, 2026, BankPlus's highest tracked CD rate is 0.55% APY on a 60-month CD ($1,000 minimum). That is 39% of the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 0.05% to 0.55% APY.
Tracking began .
BankPlus CD rates
Published standard CD rate table only. The bank states rates are subject to change; confirm the rate, availability and account conditions before opening.
| Term | Product | APY |
|---|---|---|
| 30 days | Certificate of Deposit | 0.05%Verified October 22, 2026 |
| 90 days | Certificate of Deposit | 0.10%Verified October 22, 2026 |
| 180 days | Certificate of Deposit | 0.15%Verified October 22, 2026 |
| 12 months | Certificate of Deposit | 0.20%Verified October 22, 2026 |
| 24 months | Certificate of Deposit | 0.25%Verified October 22, 2026 |
| 36 months | Certificate of Deposit | 0.35%Verified October 22, 2026 |
| 48 months | Certificate of Deposit | 0.45%Verified October 22, 2026 |
| 60 months | Certificate of Deposit | 0.55%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 BankPlus's best CD rates by term?
BankPlus's best rate is 0.55% APY on 60 months, verified October 22, 2026.
- 30 days0.05%
- 90 days0.10%
- 180 days0.15%
- 12 mo0.20%
- 24 mo0.25%
- 36 mo0.35%
- 48 mo0.45%
- 60 mo0.55%
How much interest could a BankPlus 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.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 12 months | $10.000.20% APY · Certificate of Deposit · Standard | $20.000.20% APY · Certificate of Deposit · Standard | $50.000.20% APY · Certificate of Deposit · Standard | $100.000.20% APY · Certificate of Deposit · Standard |
| 24 months | $25.030.25% APY · Certificate of Deposit · Standard | $50.060.25% APY · Certificate of Deposit · Standard | $125.160.25% APY · Certificate of Deposit · Standard | $250.310.25% APY · Certificate of Deposit · Standard |
| 60 months | $139.020.55% APY · Certificate of Deposit · Standard | $278.040.55% APY · Certificate of Deposit · Standard | $695.100.55% APY · Certificate of Deposit · Standard | $1,390.210.55% APY · Certificate of Deposit · Standard |
How BankPlus compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1825-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 83 of 92 tracked institutions with fresh 1825-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 |
|---|---|---|---|---|---|
| BankPlus (this institution)Certificate of Deposit · Standard | 60 months | $1,000 | Coverage: AL, FL, LA, MS | 0.55% | October 22, 2026 |
| Popular Direct (highest tracked APY for this term)Certificate of Deposit · Standard | 60 months | $10,000 | Nationwide; check eligibility | 5.00% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 60 months | Not stated | Nationwide; check eligibility | 4.80% | October 22, 2026 |
| Barclays60 Month CD · Standard | 60 months | Not stated | Nationwide; check eligibility | 4.75% | October 22, 2026 |
| Treasury (APY-equivalent) | 60 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 5.01% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking BankPlus on October 22, 2026.
About BankPlus
- Legal name
- BankPlus
- Regulator ID
- FDIC 5903
- Headquarters
- Belzoni, MS
- Available in
- AL, FL, LA, MS
- Total assets
- $8.4 billion
- Also known as
- Website
- www.bankplus.net
Source: rates read from https://www.bankplus.net/personal/bank/products/certificates-of-deposit. See the page text we read.
Frequently asked questions
What is the highest CD rate at BankPlus?
Among the rates we track, 0.55% APY on a 60-month CD, as of October 22, 2026.
What is the minimum deposit for a BankPlus CD?
The lowest minimum we found is $1,000.
How does BankPlus's best CD rate compare with Treasury yields?
0.55% APY is −4.46% versus the 60-month Treasury yield of 5.01% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 0.55% a good CD rate?
It is 0.4 times the FDIC national average for a similar term (1.41% 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 BankPlus CDs insured?
BankPlus is an FDIC-insured bank (FDIC 5903). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check BankPlus's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from BankPlus's website and may change at any time. Confirm terms, minimums and eligibility with BankPlus before opening an account. This page is not financial advice.