# CFG Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/cfg-bank
Institution: CFG Bank (FDIC 34294)
Aliases: 
Status: live
Last verified: 2026-10-22T14:30:45.000Z (October 22, 2026)
Official source: https://www.cfg.bank/our-cd-rates/
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 12 Month CD | standard | 12 months | $500 | 4.46% | Not ZIP-priced | −0.11% | 2026-10-22T14:30:45.000Z | [Snapshot 293](https://apyledger.com/snapshots/293) |
| 18 Month CD | standard | 18 months | $500 | 4.50% | Not ZIP-priced | −0.22% | 2026-10-22T14:30:45.000Z | [Snapshot 293](https://apyledger.com/snapshots/293) |
| 36 Month CD | standard | 36 months | $500 | 4.40% | Not ZIP-priced | −0.55% | 2026-10-22T14:30:45.000Z | [Snapshot 293](https://apyledger.com/snapshots/293) |
| 60 Month CD | standard | 60 months | $500 | 4.40% | Not ZIP-priced | −0.61% | 2026-10-22T14:30:45.000Z | [Snapshot 293](https://apyledger.com/snapshots/293) |

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.