Blackhawk Bank & Trust CD Rates — October 2026
As of October 22, 2026, Blackhawk Bank & Trust's highest tracked CD rate is 4.25% APY on a 9-month special CD ($2,500 minimum). That is 3.1 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.50% to 4.25% APY.
Tracking began .
Blackhawk Bank & Trust CD rates
CDs from 3 to 60 months, with higher Silver Hawk Club rates for customers age 50 or older with $5,000 in deposits; $500 minimum ($2,500 for terms under 12 months). Early withdrawal penalties apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Silver Hawk Club Certificate of Deposit Special | $2,500 | 0.75% | −3.54% | Top 83% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | Certificate of Deposit | $2,500 | 0.50% | −3.79% | Top 87% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | Silver Hawk Club Certificate of Deposit Special | $2,500 | 3.00% | −1.40% | Top 68% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Certificate of Deposit | $2,500 | 2.75% | −1.65% | Top 73% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | Silver Hawk Club Certificate of Deposit Special | $2,500 | 4.25% | −0.23% | Top 10% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | Certificate of Deposit | $2,500 | 4.25% | −0.23% | Top 10% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | Silver Hawk Club Certificate of Deposit Special | $500 | 3.25% | −1.32% | Top 64% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Certificate of Deposit | $500 | 3.00% | −1.57% | Top 72% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Silver Hawk Club Certificate of Deposit Special | $500 | 3.50% | −1.22% | Top 52% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Certificate of Deposit | $500 | 3.25% | −1.47% | Top 61% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Silver Hawk Club Certificate of Deposit Special | $500 | 2.25% | −2.62% | Top 77% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Certificate of Deposit | $500 | 2.00% | −2.87% | Top 81% of tracked 24-month CDs · Verified October 22, 2026 |
| 30 months | Silver Hawk Club Certificate of Deposit Special | $500 | 2.50% | −2.41% | Verified October 22, 2026 |
| 30 months | Certificate of Deposit | $500 | 2.25% | −2.66% | Verified October 22, 2026 |
| 48 months | Silver Hawk Club Certificate of Deposit Special | $500 | 1.75% | −3.23% | Top 81% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit | $500 | 1.50% | −3.48% | Top 83% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Silver Hawk Club Certificate of Deposit Special | $500 | 3.00% | −2.01% | Top 61% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit | $500 | 2.75% | −2.26% | Top 65% of tracked 60-month CDs · 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 Blackhawk Bank & Trust's best CD rates by term?
Blackhawk Bank & Trust's best rate is 4.25% APY on 9 months, verified October 22, 2026.
- 3 mo0.75%
- 6 mo3.00%
- 9 mo4.25%
- 12 mo3.25%
- 18 mo3.50%
- 24 mo2.25%
- 30 mo2.50%
- 48 mo1.75%
- 60 mo3.00%
How much interest could a Blackhawk Bank & Trust 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.
$317.38 interest · $10,317.38 at maturity on $10,000.00.
4.25% APY · 9 months · Silver Hawk Club Certificate of Deposit · Special · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $9.320.75% APY · Silver Hawk Club Certificate of Deposit · Special | $18.650.75% APY · Silver Hawk Club Certificate of Deposit · Special | $46.620.75% APY · Silver Hawk Club Certificate of Deposit · Special | $93.230.75% APY · Silver Hawk Club Certificate of Deposit · Special |
| 6 months | $74.653.00% APY · Silver Hawk Club Certificate of Deposit · Special | $149.303.00% APY · Silver Hawk Club Certificate of Deposit · Special | $373.263.00% APY · Silver Hawk Club Certificate of Deposit · Special | $746.513.00% APY · Silver Hawk Club Certificate of Deposit · Special |
| 9 months | $158.694.25% APY · Silver Hawk Club Certificate of Deposit · Special | $317.384.25% APY · Silver Hawk Club Certificate of Deposit · Special | $793.454.25% APY · Silver Hawk Club Certificate of Deposit · Special | $1,586.904.25% APY · Silver Hawk Club Certificate of Deposit · Special |
| 12 months | $162.503.25% APY · Silver Hawk Club Certificate of Deposit · Special | $325.003.25% APY · Silver Hawk Club Certificate of Deposit · Special | $812.503.25% APY · Silver Hawk Club Certificate of Deposit · Special | $1,625.003.25% APY · Silver Hawk Club Certificate of Deposit · Special |
| 18 months | $265.033.50% APY · Silver Hawk Club Certificate of Deposit · Special | $530.063.50% APY · Silver Hawk Club Certificate of Deposit · Special | $1,325.163.50% APY · Silver Hawk Club Certificate of Deposit · Special | $2,650.323.50% APY · Silver Hawk Club Certificate of Deposit · Special |
| 24 months | $227.532.25% APY · Silver Hawk Club Certificate of Deposit · Special | $455.062.25% APY · Silver Hawk Club Certificate of Deposit · Special | $1,137.662.25% APY · Silver Hawk Club Certificate of Deposit · Special | $2,275.312.25% APY · Silver Hawk Club Certificate of Deposit · Special |
| 30 months | $318.562.50% APY · Silver Hawk Club Certificate of Deposit · Special | $637.132.50% APY · Silver Hawk Club Certificate of Deposit · Special | $1,592.822.50% APY · Silver Hawk Club Certificate of Deposit · Special | $3,185.642.50% APY · Silver Hawk Club Certificate of Deposit · Special |
| 48 months | $359.301.75% APY · Silver Hawk Club Certificate of Deposit · Special | $718.591.75% APY · Silver Hawk Club Certificate of Deposit · Special | $1,796.481.75% APY · Silver Hawk Club Certificate of Deposit · Special | $3,592.951.75% APY · Silver Hawk Club Certificate of Deposit · Special |
| 60 months | $796.373.00% APY · Silver Hawk Club Certificate of Deposit · Special | $1,592.743.00% APY · Silver Hawk Club Certificate of Deposit · Special | $3,981.853.00% APY · Silver Hawk Club Certificate of Deposit · Special | $7,963.703.00% APY · Silver Hawk Club Certificate of Deposit · Special |
How Blackhawk Bank & Trust compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 274-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 15 of 167 tracked institutions with fresh 274-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 | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Blackhawk Bank & Trust (this institution)Silver Hawk Club Certificate of Deposit · Special | 9 months | $2,500 | Branches in IA, IL | 4.25% | October 22, 2026 |
| Justice Federal Credit Union (highest tracked APY for this term)9-Month Special Certificate · Relationship | 9 months | $100,000 | Membership required · branches in 9 states | 5.35% | October 22, 2026 |
| Bread SavingsBread Savings CD · Standard | 9 months | $1,500 | Available nationwide | 4.40% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 9 months | Not stated | Available nationwide | 4.40% | October 22, 2026 |
| Treasury (APY-equivalent) | 9 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.48% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Blackhawk Bank & Trust on October 22, 2026.
About Blackhawk Bank & Trust
- Legal name
- Blackhawk Bank & Trust
- Regulator ID
- FDIC 18402
- Headquarters
- Milan, IL
- Available in
- IA, IL
- Total assets
- $2.0 billion
- Also known as
- Website
- www.choosethechief.com
Source: rates read from https://www.choosethechief.com/rates/savings/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Blackhawk Bank & Trust?
Among the rates we track, 4.25% APY on a 9-month special CD, as of October 22, 2026.
What is the minimum deposit for a Blackhawk Bank & Trust CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $2,500.
How does Blackhawk Bank & Trust's best CD rate compare with Treasury yields?
4.25% APY is −0.23% versus the 9-month Treasury yield of 4.48% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.25% a good CD rate?
It is 3.1 times the FDIC national average for a similar term (1.39% 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 Blackhawk Bank & Trust CDs insured?
Blackhawk Bank & Trust is an FDIC-insured bank (FDIC 18402). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Blackhawk Bank & Trust's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Blackhawk Bank & Trust's website and may change at any time. Confirm terms, minimums and eligibility with Blackhawk Bank & Trust before opening an account. This page is not financial advice.