Bask Bank CD Rates — October 2026

Also known as Bask.

As of October 22, 2026, Bask Bank's highest CD rate is 4.35% APY on a 12-month CD ($1,000 minimum). That is 2.5 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.90% to 4.35% APY.

Last verified October 22, 2026 from baskbank.com · FDIC-insured bank · Dallas, TX

Tracking began October 22, 2026.

Best APY4.35%12 months, $1,000 min

vs. Treasury−0.22%same-term Treasury 4.57%

vs. national average2.5×FDIC national average 1.76%

After inflation0.61%CPI 3.7% year over year

$10,000 earns$435over 12 months, before tax

Bask Bank CD rates

Available online to U.S. residents in every state. Bask Bank is a division of Texas Capital Bank.

Bask Bank CD rates
Term	Product	Minimum	APY	vs. Treasury
3 months	Bask Bank Certificate of Deposit	$1,000	4.10%Verified October 22, 2026	−0.20%
6 months	Bask Bank Certificate of Deposit	$1,000	3.90%Verified October 22, 2026	−0.50%
9 months	Bask Bank Certificate of Deposit	$1,000	4.20%Verified October 22, 2026	−0.28%
12 months	Bask Bank Certificate of Deposit	$1,000	4.35%Verified October 22, 2026	−0.22%
18 months	Bask Bank Certificate of Deposit	$1,000	4.00%Verified October 22, 2026	−0.72%
24 months	Bask Bank Certificate of Deposit	$1,000	4.30%Verified October 22, 2026	−0.57%

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 Bask Bank's best CD rates by term?

Bask Bank's best rate is 4.35% APY on 12 months, verified October 22, 2026.

3 mo4.10%
6 mo3.90%
9 mo4.20%
12 mo4.35%
18 mo4.00%
24 mo4.30%

Calculate earnings at 4.35% for 12 months

How Bask Bank compares

Best 1-year rate among the institutions we track: Popular Direct at 4.60% APY.
Popular Direct: best 5.00% APY on 60 months.
Barclays: best 4.75% APY on 24 months.
Sallie Mae Bank: best 4.75% APY on 60 months.
1-year Treasury: 4.57% APY-equivalent.

Rate changes

No changes since we started tracking Bask Bank on October 22, 2026.

About Bask Bank

Legal name: Texas Capital Bank
Regulator ID: FDIC 34383
Headquarters: Dallas, TX
Available in: All states (online)
Total assets: $33.6 billion
Also known as: Bask
Website: baskbank.com

Source: rates read from https://baskbank.com/products/certificates-of-deposit. See the page text we read.

Frequently asked questions

What is the highest CD rate at Bask Bank?

4.35% APY on a 12-month CD, as of October 22, 2026.

What is the minimum deposit for a Bask Bank CD?

The lowest minimum we found is $1,000.

How does Bask Bank's best CD rate compare with Treasury yields?

4.35% APY is −0.22% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.35% a good CD rate?

It is 2.5 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 Bask Bank CDs insured?

Bask Bank is an FDIC-insured bank (FDIC 34383). Deposits are insured up to $250,000 per depositor, per ownership category.

How often is this page updated?

We check Bask Bank's rate page every day. The rates above were last verified on October 22, 2026.

More bank CD rates

Rates are copied from Bask Bank's website and may change at any time. Confirm terms, minimums and eligibility with Bask Bank before opening an account. This page is not financial advice.