# Coastal States Bank CD rates

As of October 22, 2026, Coastal States Bank's highest tracked CD rate is 4.50% APY on a 7-month promotional CD ($1,000 minimum). That is 3.2 times the FDIC national average for 6-month CDs (1.39%).

Canonical page: https://apyledger.com/cd-rates/coastal-states-bank
Institution: Coastal States Bank (FDIC 57756)
Aliases: 
Status: live
Last verified: 2026-10-23T03:01:33.000Z (October 22, 2026)
Official source: https://www.coastalstatesbank.com/personal/personal-savings/certificate-of-deposit-specials
Coverage: CD specials from 6 to 18 months that can be opened online. Early withdrawal penalties may apply.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 6-Month CD | promotional | 6 months | $1,000 | 4.00% | Not ZIP-priced | −0.40% | 2026-10-23T03:01:33.000Z | [Snapshot 909](https://apyledger.com/snapshots/909) |
| 7-Month CD | promotional | 7 months | $1,000 | 4.50% | Not ZIP-priced | +0.07% | 2026-10-23T03:01:33.000Z | [Snapshot 909](https://apyledger.com/snapshots/909) |
| 12-Month CD | promotional | 12 months | $1,000 | 4.10% | Not ZIP-priced | −0.47% | 2026-10-23T03:01:33.000Z | [Snapshot 909](https://apyledger.com/snapshots/909) |
| 18-Month CD | promotional | 18 months | $1,000 | 4.20% | Not ZIP-priced | −0.52% | 2026-10-23T03:01:33.000Z | [Snapshot 909](https://apyledger.com/snapshots/909) |

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.