CFG Bank CD Rates — October 2026
As of October 22, 2026, CFG Bank's highest tracked CD rate is 4.50% APY on an 18-month CD ($500 minimum). That is 2.9 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 4.40% to 4.50% APY.
Tracking began .
CFG Bank CD rates
Published CD rates only, with a $500 opening and daily APY balance requirement. No additional deposits; the maximum initial deposit is $500,000. Withdrawals are not allowed during the first 30 days, and early withdrawal penalties apply. The page offers online or branch opening; confirm eligibility before applying.
| Term | Product | APY |
|---|---|---|
| 12 months | 12 Month CD | 4.46%Verified October 22, 2026 |
| 18 months | 18 Month CD | 4.50%Verified October 22, 2026 |
| 36 months | 36 Month CD | 4.40%Verified October 22, 2026 |
| 60 months | 60 Month CD | 4.40%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 CFG Bank's best CD rates by term?
CFG Bank's best rate is 4.50% APY on 18 months, verified October 22, 2026.
- 12 mo4.46%
- 18 mo4.50%
- 36 mo4.40%
- 60 mo4.40%
How much interest could a CFG 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.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 12 months | $223.004.46% APY · 12 Month CD · Standard | $446.004.46% APY · 12 Month CD · Standard | $1,115.004.46% APY · 12 Month CD · Standard | $2,230.004.46% APY · 12 Month CD · Standard |
| 18 months | $341.594.50% APY · 18 Month CD · Standard | $683.184.50% APY · 18 Month CD · Standard | $1,707.954.50% APY · 18 Month CD · Standard | $3,415.914.50% APY · 18 Month CD · Standard |
| 60 months | $1,201.154.40% APY · 60 Month CD · Standard | $2,402.314.40% APY · 60 Month CD · Standard | $6,005.774.40% APY · 60 Month CD · Standard | $12,011.544.40% APY · 60 Month CD · Standard |
How CFG Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 548-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 3 of 88 tracked institutions with fresh 548-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 | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| CFG Bank (this institution)18 Month CD · Standard | 18 months | $500 | Coverage: MD | 4.50% | October 22, 2026 |
| Popular Direct (highest tracked APY for this term)Certificate of Deposit · Standard | 18 months | $10,000 | Nationwide; check eligibility | 4.75% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 18 months | Not stated | Nationwide; check eligibility | 4.55% | October 22, 2026 |
| Barclays18 Month CD · Standard | 18 months | Not stated | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Treasury (APY-equivalent) | 18 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.72% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking CFG Bank on October 22, 2026.
About CFG Bank
- Legal name
- CFG Bank
- Regulator ID
- FDIC 34294
- Headquarters
- Lutherville, MD
- Available in
- MD
- Total assets
- $6.1 billion
- Also known as
- Website
- www.cfg.bank
Source: rates read from https://www.cfg.bank/our-cd-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at CFG Bank?
Among the rates we track, 4.50% APY on an 18-month CD, as of October 22, 2026.
What is the minimum deposit for a CFG Bank CD?
The lowest minimum we found is $500.
How does CFG Bank's best CD rate compare with Treasury yields?
4.50% APY is −0.22% versus the 18-month Treasury yield of 4.72% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.50% a good CD rate?
It is 2.9 times the FDIC national average for a similar term (1.55% 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 CFG Bank CDs insured?
CFG Bank is an FDIC-insured bank (FDIC 34294). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check CFG Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from CFG Bank's website and may change at any time. Confirm terms, minimums and eligibility with CFG Bank before opening an account. This page is not financial advice.