# Climate First Bank CD rates

As of October 22, 2026, Climate First Bank's highest tracked CD rate is 4.46% APY on a 12-month promotional CD ($500 minimum). That is 2.5 times the FDIC national average for 12-month CDs (1.76%).

Canonical page: https://apyledger.com/cd-rates/climate-first-bank
Institution: Climate First Bank (FDIC 59257)
Aliases: Climate First
Status: live
Last verified: 2026-10-22T12:04:22.000Z (October 22, 2026)
Official source: https://www.climatefirstbank.com/cd
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3-Month Penalty-Free CD | promotional | 3 months | $500 | 4.26% | Not ZIP-priced | −0.04% | 2026-10-22T12:04:22.000Z | [Snapshot 250](https://apyledger.com/snapshots/250) |
| 6-Month Penalty-Free CD | promotional | 6 months | $500 | 4.33% | Not ZIP-priced | −0.07% | 2026-10-22T12:04:22.000Z | [Snapshot 250](https://apyledger.com/snapshots/250) |
| 9-Month Penalty-Free CD | promotional | 9 months | $500 | 4.35% | Not ZIP-priced | −0.13% | 2026-10-22T12:04:22.000Z | [Snapshot 250](https://apyledger.com/snapshots/250) |
| 12-Month Penalty-Free CD | promotional | 12 months | $500 | 4.46% | Not ZIP-priced | −0.11% | 2026-10-22T12:04:22.000Z | [Snapshot 250](https://apyledger.com/snapshots/250) |
| 15-Month Flex CD | standard | 15 months | $500 | 2.68% | Not ZIP-priced | −1.97% | 2026-10-22T12:04:22.000Z | [Snapshot 250](https://apyledger.com/snapshots/250) |
| 30-Month CD | promotional | 30 months | $500 | 4.25% | Not ZIP-priced | −0.66% | 2026-10-22T12:04:22.000Z | [Snapshot 250](https://apyledger.com/snapshots/250) |
| 60-Month CD | promotional | 60 months | $500 | 4.39% | Not ZIP-priced | −0.62% | 2026-10-22T12:04:22.000Z | [Snapshot 250](https://apyledger.com/snapshots/250) |

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.