# Bell Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/bell-bank
Institution: Bell Bank (FDIC 19581)
Aliases: 
Status: live
Last verified: 2026-10-22T13:07:20.000Z (October 22, 2026)
Official source: https://bell.bank/banking/rates
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3 Month (91 Day) CD | standard | 3 months | $99,999 | 3.85% | Not ZIP-priced | −0.44% | 2026-10-22T13:07:20.000Z | [Snapshot 268](https://apyledger.com/snapshots/268) |
| 3 Month (91 Day) CD | standard | 3 months | $500 | 3.80% | Not ZIP-priced | −0.50% | 2026-10-22T13:07:20.000Z | [Snapshot 268](https://apyledger.com/snapshots/268) |
| 6 Month (182 Day) CD | standard | 6 months | $99,999 | 3.84% | Not ZIP-priced | −0.56% | 2026-10-22T13:07:20.000Z | [Snapshot 268](https://apyledger.com/snapshots/268) |
| 6 Month (182 Day) CD | standard | 6 months | $500 | 3.79% | Not ZIP-priced | −0.61% | 2026-10-22T13:07:20.000Z | [Snapshot 268](https://apyledger.com/snapshots/268) |
| 7 Month CD Special | promotional | 7 months | $99,999 | 4.34% | Not ZIP-priced | −0.09% | 2026-10-22T13:07:20.000Z | [Snapshot 268](https://apyledger.com/snapshots/268) |
| 7 Month CD Special | promotional | 7 months | $500 | 4.29% | Not ZIP-priced | −0.14% | 2026-10-22T13:07:20.000Z | [Snapshot 268](https://apyledger.com/snapshots/268) |
| 1 year (12 Month) CD | standard | 12 months | $99,999 | 3.80% | Not ZIP-priced | −0.77% | 2026-10-22T13:07:20.000Z | [Snapshot 268](https://apyledger.com/snapshots/268) |
| 1 year (12 Month) CD | standard | 12 months | $500 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-22T13:07:20.000Z | [Snapshot 268](https://apyledger.com/snapshots/268) |
| 17 Month CD Special | promotional | 17 months | $99,999 | 4.35% | Not ZIP-priced | −0.34% | 2026-10-22T13:07:20.000Z | [Snapshot 268](https://apyledger.com/snapshots/268) |
| 17 Month CD Special | promotional | 17 months | $500 | 4.30% | Not ZIP-priced | −0.39% | 2026-10-22T13:07:20.000Z | [Snapshot 268](https://apyledger.com/snapshots/268) |
| 18 Month CD | standard | 18 months | $99,999 | 3.84% | Not ZIP-priced | −0.88% | 2026-10-22T13:07:20.000Z | [Snapshot 268](https://apyledger.com/snapshots/268) |
| 18 Month CD | standard | 18 months | $500 | 3.79% | Not ZIP-priced | −0.93% | 2026-10-22T13:07:20.000Z | [Snapshot 268](https://apyledger.com/snapshots/268) |
| 2 Year (24 Month) CD | standard | 24 months | $99,999 | 3.80% | Not ZIP-priced | −1.07% | 2026-10-22T13:07:20.000Z | [Snapshot 268](https://apyledger.com/snapshots/268) |
| 2 Year (24 Month) CD | standard | 24 months | $500 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T13:07:20.000Z | [Snapshot 268](https://apyledger.com/snapshots/268) |
| 27 Month CD Special | promotional | 27 months | $99,999 | 4.30% | Not ZIP-priced | −0.59% | 2026-10-22T13:07:20.000Z | [Snapshot 268](https://apyledger.com/snapshots/268) |
| 27 Month CD Special | promotional | 27 months | $500 | 4.25% | Not ZIP-priced | −0.64% | 2026-10-22T13:07:20.000Z | [Snapshot 268](https://apyledger.com/snapshots/268) |
| 3 Year (36 Month) CD | standard | 36 months | $99,999 | 3.80% | Not ZIP-priced | −1.15% | 2026-10-22T13:07:20.000Z | [Snapshot 268](https://apyledger.com/snapshots/268) |
| 3 Year (36 Month) CD | standard | 36 months | $500 | 3.75% | Not ZIP-priced | −1.20% | 2026-10-22T13:07:20.000Z | [Snapshot 268](https://apyledger.com/snapshots/268) |
| 5 Year (60 Month) CD | standard | 60 months | $99,999 | 3.80% | Not ZIP-priced | −1.21% | 2026-10-22T13:07:20.000Z | [Snapshot 268](https://apyledger.com/snapshots/268) |
| 5 Year (60 Month) CD | standard | 60 months | $500 | 3.75% | Not ZIP-priced | −1.26% | 2026-10-22T13:07:20.000Z | [Snapshot 268](https://apyledger.com/snapshots/268) |

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.