Bell Bank CD Rates — October 2026

As of October 22, 2026, Bell Bank's highest tracked CD rate is 4.35% APY on a 17-month promotional CD ($99,999 minimum). That is 2.5 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.75% to 3.85% APY.

Last verified October 22, 2026 from bell.bank · FDIC-insured bank · Fargo, ND

Tracking began October 22, 2026.

Best APY4.35%17 months, $99,999 min

vs. Treasury−0.34%same-term Treasury 4.69%

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

After inflation0.61%CPI 3.7% year over year

$10,000 earns$622over 17 months, before tax

Bell Bank CD rates

Standard CDs and fixed-rate IRA table, including CD specials. Flexible CDs are excluded. Higher balance tiers apply above $99,999; see the source for full conditions.

Bell Bank CD rates
Term	Product	Minimum	APY	vs. Treasury
3 months	3 Month (91 Day) CD	$99,999	3.85%Verified October 22, 2026	−0.44%
3 months	3 Month (91 Day) CD	$500	3.80%Verified October 22, 2026	−0.50%
6 months	6 Month (182 Day) CD	$99,999	3.84%Verified October 22, 2026	−0.56%
6 months	6 Month (182 Day) CD	$500	3.79%Verified October 22, 2026	−0.61%
7 months	7 Month CD Special Promotional	$99,999	4.34%Verified October 22, 2026	−0.09%
7 months	7 Month CD Special Promotional	$500	4.29%Verified October 22, 2026	−0.14%
12 months	1 year (12 Month) CD	$99,999	3.80%Verified October 22, 2026	−0.77%
12 months	1 year (12 Month) CD	$500	3.75%Verified October 22, 2026	−0.82%
17 months	17 Month CD Special Promotional	$99,999	4.35%Verified October 22, 2026	−0.34%
17 months	17 Month CD Special Promotional	$500	4.30%Verified October 22, 2026	−0.39%
18 months	18 Month CD	$99,999	3.84%Verified October 22, 2026	−0.88%
18 months	18 Month CD	$500	3.79%Verified October 22, 2026	−0.93%
24 months	2 Year (24 Month) CD	$99,999	3.80%Verified October 22, 2026	−1.07%
24 months	2 Year (24 Month) CD	$500	3.75%Verified October 22, 2026	−1.12%
27 months	27 Month CD Special Promotional	$99,999	4.30%Verified October 22, 2026	−0.59%
27 months	27 Month CD Special Promotional	$500	4.25%Verified October 22, 2026	−0.64%
36 months	3 Year (36 Month) CD	$99,999	3.80%Verified October 22, 2026	−1.15%
36 months	3 Year (36 Month) CD	$500	3.75%Verified October 22, 2026	−1.20%
60 months	5 Year (60 Month) CD	$99,999	3.80%Verified October 22, 2026	−1.21%
60 months	5 Year (60 Month) CD	$500	3.75%Verified October 22, 2026	−1.26%

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.

Watch the renewal rate

The best promotional rate here is 4.35% APY (17 months). The standard rate for a similar term is 3.84% APY (18 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $51 less per year. Check the account terms and set a reminder before maturity.

Calculate the cost of auto-renewal

What are Bell Bank's best CD rates by term?

Bell Bank's best rate is 4.35% APY on 17 months, verified October 22, 2026.

3 mo3.85%
6 mo3.84%
7 mo4.34%
12 mo3.80%
17 mo4.35%
18 mo3.84%
24 mo3.80%
27 mo4.30%
36 mo3.80%
60 mo3.80%

Calculate earnings at 4.35% for 17 months

How much interest could a Bell Bank 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.

Estimated CD interest at maturity — conditional on quoted APY eligibility
Term	$5,000	$10,000	$25,000	$50,000
3 months	$46.713.80% APY · 3 Month (91 Day) CD · Standard	$93.423.80% APY · 3 Month (91 Day) CD · Standard	$233.543.80% APY · 3 Month (91 Day) CD · Standard	$467.093.80% APY · 3 Month (91 Day) CD · Standard
6 months	$94.133.79% APY · 6 Month (182 Day) CD · Standard	$188.263.79% APY · 6 Month (182 Day) CD · Standard	$470.643.79% APY · 6 Month (182 Day) CD · Standard	$941.283.79% APY · 6 Month (182 Day) CD · Standard
12 months	$187.503.75% APY · 1 year (12 Month) CD · Standard	$375.003.75% APY · 1 year (12 Month) CD · Standard	$937.503.75% APY · 1 year (12 Month) CD · Standard	$1,875.003.75% APY · 1 year (12 Month) CD · Standard
17 months	$307.244.30% APY · 17 Month CD Special · Promotional	$614.484.30% APY · 17 Month CD Special · Promotional	$1,536.194.30% APY · 17 Month CD Special · Promotional	$3,072.384.30% APY · 17 Month CD Special · Promotional
18 months	$287.203.79% APY · 18 Month CD · Standard	$574.393.79% APY · 18 Month CD · Standard	$1,435.983.79% APY · 18 Month CD · Standard	$2,871.963.79% APY · 18 Month CD · Standard
24 months	$382.033.75% APY · 2 Year (24 Month) CD · Standard	$764.063.75% APY · 2 Year (24 Month) CD · Standard	$1,910.163.75% APY · 2 Year (24 Month) CD · Standard	$3,820.313.75% APY · 2 Year (24 Month) CD · Standard
60 months	$1,010.503.75% APY · 5 Year (60 Month) CD · Standard	$2,021.003.75% APY · 5 Year (60 Month) CD · Standard	$5,052.503.75% APY · 5 Year (60 Month) CD · Standard	$10,104.993.75% APY · 5 Year (60 Month) CD · Standard

How Bell Bank compares

Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 517-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.

This quote ranks 3 of 8 tracked institutions with fresh 517-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.

Bell Bank CD rate comparison
Institution / benchmark	Term	Minimum	Quote coverage	APY	Verified / source date
Bell Bank (this institution)17 Month CD Special · Promotional	17 months	$99,999	Coverage: AZ, ID, MN, ND	4.35%	October 22, 2026
Gesa Credit Union (highest tracked APY for this term)Fixed CD · Standard	17 months	$500	Coverage: ID, WA	4.50%	October 22, 2026
Wings Credit Union (formerly Ent)17 Month Special Certificate · Promotional	17 months	$500	Coverage: CO, FL, GA, MI, MN, WI	4.10%	October 22, 2026
Treasury (APY-equivalent)	17 months (term-matched estimate)	Depends on purchase method	Federal; interest exempt from state income tax	4.69%	2026-10-21

Rate changes

See changes across all tracked institutions

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

About Bell Bank

Legal name: Bell Bank
Regulator ID: FDIC 19581
Headquarters: Fargo, ND
Available in: AZ, ID, MN, ND
Total assets: $15.2 billion
Also known as
Website: bell.bank

Source: rates read from https://bell.bank/banking/rates. See the page text we read.

Frequently asked questions

What is the highest CD rate at Bell Bank?

Among the rates we track, 4.35% APY on a 17-month promotional CD, as of October 22, 2026.

What is the minimum deposit for a Bell Bank CD?

The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $99,999.

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

4.35% APY is −0.34% versus the 17-month Treasury yield of 4.69% (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 Bell Bank CDs insured?

Bell Bank is an FDIC-insured bank (FDIC 19581). Deposits are insured up to $250,000 per depositor, per ownership category.

How often is this page updated?

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

More bank CD rates

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