# Benchmark Community Bank CD rates

As of October 22, 2026, Benchmark Community Bank's highest tracked CD rate is 3.75% APY on a 12-month relationship CD ($500 minimum). That is 2.1 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.60% to 3.15% APY.

Canonical page: https://apyledger.com/cd-rates/benchmark-community-bank
Institution: Benchmark Community Bank (FDIC 20484)
Aliases: 
Status: live
Last verified: 2026-10-23T03:18:49.000Z (October 22, 2026)
Official source: https://bcbforlife.bank/rates
Coverage: CDs from 3 to 60 months at Regular and higher Premium rates, plus a 12-month special. Early withdrawal penalties may apply.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Premium Certificate of Deposit | standard | 3 months | $500 | 0.85% | Not ZIP-priced | −3.44% | 2026-10-23T03:18:49.000Z | [Snapshot 941](https://apyledger.com/snapshots/941) |
| Regular Certificate of Deposit | standard | 3 months | $500 | 0.60% | Not ZIP-priced | −3.69% | 2026-10-23T03:18:49.000Z | [Snapshot 941](https://apyledger.com/snapshots/941) |
| Premium Certificate of Deposit | standard | 6 months | $500 | 1.90% | Not ZIP-priced | −2.50% | 2026-10-23T03:18:49.000Z | [Snapshot 941](https://apyledger.com/snapshots/941) |
| Regular Certificate of Deposit | standard | 6 months | $500 | 1.50% | Not ZIP-priced | −2.90% | 2026-10-23T03:18:49.000Z | [Snapshot 941](https://apyledger.com/snapshots/941) |
| Special Rate Certificate of Deposit | relationship | 12 months | $500 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-23T03:18:49.000Z | [Snapshot 941](https://apyledger.com/snapshots/941) |
| Premium Certificate of Deposit | standard | 12 months | $500 | 3.00% | Not ZIP-priced | −1.57% | 2026-10-23T03:18:49.000Z | [Snapshot 941](https://apyledger.com/snapshots/941) |
| Regular Certificate of Deposit | standard | 12 months | $500 | 2.00% | Not ZIP-priced | −2.57% | 2026-10-23T03:18:49.000Z | [Snapshot 941](https://apyledger.com/snapshots/941) |
| Premium Certificate of Deposit | standard | 24 months | $500 | 3.15% | Not ZIP-priced | −1.72% | 2026-10-23T03:18:49.000Z | [Snapshot 941](https://apyledger.com/snapshots/941) |
| Regular Certificate of Deposit | standard | 24 months | $500 | 2.25% | Not ZIP-priced | −2.62% | 2026-10-23T03:18:49.000Z | [Snapshot 941](https://apyledger.com/snapshots/941) |
| Premium Certificate of Deposit | standard | 36 months | $500 | 2.85% | Not ZIP-priced | −2.10% | 2026-10-23T03:18:49.000Z | [Snapshot 941](https://apyledger.com/snapshots/941) |
| Regular Certificate of Deposit | standard | 36 months | $500 | 2.15% | Not ZIP-priced | −2.80% | 2026-10-23T03:18:49.000Z | [Snapshot 941](https://apyledger.com/snapshots/941) |
| Premium Certificate of Deposit | standard | 48 months | $500 | 2.65% | Not ZIP-priced | −2.33% | 2026-10-23T03:18:49.000Z | [Snapshot 941](https://apyledger.com/snapshots/941) |
| Regular Certificate of Deposit | standard | 48 months | $500 | 1.75% | Not ZIP-priced | −3.23% | 2026-10-23T03:18:49.000Z | [Snapshot 941](https://apyledger.com/snapshots/941) |
| Premium Certificate of Deposit | standard | 60 months | $500 | 2.50% | Not ZIP-priced | −2.51% | 2026-10-23T03:18:49.000Z | [Snapshot 941](https://apyledger.com/snapshots/941) |
| Regular Certificate of Deposit | standard | 60 months | $500 | 1.60% | Not ZIP-priced | −3.41% | 2026-10-23T03:18:49.000Z | [Snapshot 941](https://apyledger.com/snapshots/941) |

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.