CIBC Bank USA (CIBC Agility) CD Rates — October 2026
As of October 22, 2026, CIBC Bank USA (CIBC Agility)'s highest CD rate is 4.50% APY on a 12-month promotional CD ($1,000 minimum). That is 2.6 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 4.00% to 4.50% APY.
Tracking began .
CIBC Bank USA (CIBC Agility) CD rates
Available online to U.S. residents in every state. Rates below are CIBC Agility online CDs.
| Term | Product | APY |
|---|---|---|
| 6 months | CIBC Agility™ Certificate of Deposit (CD) | 4.00%Verified October 22, 2026 |
| 9 months | CIBC Agility™ Certificate of Deposit (CD) | 4.35%Verified October 22, 2026 |
| 12 months | CIBC Agility™ Certificate of Deposit (CD) Promotional | 4.50%Verified October 22, 2026 |
| 13 months | CIBC Agility™ Certificate of Deposit (CD) | 4.50%Verified October 22, 2026 |
| 18 months | CIBC Agility™ Certificate of Deposit (CD) | 4.45%Verified October 22, 2026 |
| 24 months | CIBC Agility™ Certificate of Deposit (CD) | 4.35%Verified October 22, 2026 |
| 30 months | CIBC Agility™ Certificate of Deposit (CD) | 4.00%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 CIBC Bank USA (CIBC Agility)'s best CD rates by term?
CIBC Bank USA (CIBC Agility)'s best rate is 4.50% APY on 12 months, verified October 22, 2026.
- 6 mo4.00%
- 9 mo4.35%
- 12 mo4.50%
- 13 mo4.50%
- 18 mo4.45%
- 24 mo4.35%
- 30 mo4.00%
How much interest could a CIBC Bank USA (CIBC Agility) 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 |
|---|---|---|---|---|
| 6 months | $99.294.00% APY · CIBC Agility™ Certificate of Deposit (CD) · Standard | $198.594.00% APY · CIBC Agility™ Certificate of Deposit (CD) · Standard | $496.474.00% APY · CIBC Agility™ Certificate of Deposit (CD) · Standard | $992.934.00% APY · CIBC Agility™ Certificate of Deposit (CD) · Standard |
| 9 months | $162.404.35% APY · CIBC Agility™ Certificate of Deposit (CD) · Standard | $324.814.35% APY · CIBC Agility™ Certificate of Deposit (CD) · Standard | $812.024.35% APY · CIBC Agility™ Certificate of Deposit (CD) · Standard | $1,624.044.35% APY · CIBC Agility™ Certificate of Deposit (CD) · Standard |
| 12 months | $225.004.50% APY · CIBC Agility™ Certificate of Deposit (CD) · Promotional | $450.004.50% APY · CIBC Agility™ Certificate of Deposit (CD) · Promotional | $1,125.004.50% APY · CIBC Agility™ Certificate of Deposit (CD) · Promotional | $2,250.004.50% APY · CIBC Agility™ Certificate of Deposit (CD) · Promotional |
| 18 months | $337.754.45% APY · CIBC Agility™ Certificate of Deposit (CD) · Standard | $675.514.45% APY · CIBC Agility™ Certificate of Deposit (CD) · Standard | $1,688.774.45% APY · CIBC Agility™ Certificate of Deposit (CD) · Standard | $3,377.544.45% APY · CIBC Agility™ Certificate of Deposit (CD) · Standard |
| 24 months | $444.464.35% APY · CIBC Agility™ Certificate of Deposit (CD) · Standard | $888.924.35% APY · CIBC Agility™ Certificate of Deposit (CD) · Standard | $2,222.314.35% APY · CIBC Agility™ Certificate of Deposit (CD) · Standard | $4,444.614.35% APY · CIBC Agility™ Certificate of Deposit (CD) · Standard |
How CIBC Bank USA (CIBC Agility) compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 4 of 64 tracked institutions with fresh 365-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 |
|---|---|---|---|---|---|
| CIBC Bank USA (CIBC Agility) (this institution)CIBC Agility™ Certificate of Deposit (CD) · Promotional | 12 months | $1,000 | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Coverage: NC, SC, VA | 5.00% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 12 months | $10,000 | Nationwide; check eligibility | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Nationwide; check eligibility | 4.55% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking CIBC Bank USA (CIBC Agility) on October 22, 2026.
About CIBC Bank USA (CIBC Agility)
- Legal name
- CIBC Bank USA
- Regulator ID
- FDIC 33306
- Headquarters
- Chicago, IL
- Available in
- All states (online)
- Total assets
- $66.5 billion
- Also known as
- CIBC, CIBC Agility
- Website
- us.cibc.com
Source: rates read from https://us.cibc.com/en/agility/certificates-of-deposit.html. See the page text we read.
Frequently asked questions
What is the highest CD rate at CIBC Bank USA (CIBC Agility)?
4.50% APY on a 12-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a CIBC Bank USA (CIBC Agility) CD?
The lowest minimum we found is $1,000.
How does CIBC Bank USA (CIBC Agility)'s best CD rate compare with Treasury yields?
4.50% APY is −0.07% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.50% a good CD rate?
It is 2.6 times the FDIC national average for a similar term (1.76% 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 CIBC Bank USA (CIBC Agility) CDs insured?
CIBC Bank USA (CIBC Agility) is an FDIC-insured bank (FDIC 33306). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check CIBC Bank USA (CIBC Agility)'s rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from CIBC Bank USA (CIBC Agility)'s website and may change at any time. Confirm terms, minimums and eligibility with CIBC Bank USA (CIBC Agility) before opening an account. This page is not financial advice.