ConnectOne Bank CD Rates — October 2026
As of October 22, 2026, ConnectOne Bank's highest tracked CD rate is 3.75% APY on a 4-month promotional CD ($500 minimum). That is 3.3 times the FDIC national average for 3-month CDs (1.14%).
Tracking began .
ConnectOne Bank CD rates
Personal promotional Time Deposits only, with a $500 minimum. The 4-month Penalty-Free Time Deposit forfeits earned interest if withdrawn within 7 days of opening; other terms may carry early withdrawal penalties. Other branch rates are not included.
| Term | Product | APY |
|---|---|---|
| 4 months | 4 Month Penalty-Free CD Promotional | 3.75%Verified October 22, 2026 |
| 7 months | 7 Month CD Promotional | 3.75%Verified October 22, 2026 |
| 11 months | 11 Month CD Promotional | 3.20%Verified October 22, 2026 |
| 17 months | 17 Month CD Promotional | 2.75%Verified October 22, 2026 |
| 23 months | 23 Month CD Promotional | 2.75%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 ConnectOne Bank's best CD rates by term?
ConnectOne Bank's best rate is 3.75% APY on 4 months, verified October 22, 2026.
- 4 mo3.75%
- 7 mo3.75%
- 11 mo3.20%
- 17 mo2.75%
- 23 mo2.75%
How much interest could a ConnectOne 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 |
|---|---|---|---|---|
| 4 months | $61.903.75% APY · 4 Month Penalty-Free CD · Promotional | $123.813.75% APY · 4 Month Penalty-Free CD · Promotional | $309.523.75% APY · 4 Month Penalty-Free CD · Promotional | $619.053.75% APY · 4 Month Penalty-Free CD · Promotional |
| 11 months | $146.663.20% APY · 11 Month CD · Promotional | $293.323.20% APY · 11 Month CD · Promotional | $733.293.20% APY · 11 Month CD · Promotional | $1,466.583.20% APY · 11 Month CD · Promotional |
How ConnectOne Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 122-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 4 of 11 tracked institutions with fresh 122-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 |
|---|---|---|---|---|---|
| ConnectOne Bank (this institution)4 Month Penalty-Free CD · Promotional | 4 months | $500 | Coverage: FL, NJ, NY | 3.75% | October 22, 2026 |
| Fulton BankCertificate of Deposit Promo - New Money · Promotional | 4 months | $10,000 | Coverage: DE, MD, NJ, PA, VA | 3.80% | October 22, 2026 |
| Wells Fargo4 month Special Fixed Rate CD - Relationship · Relationship | 4 months | $5,000 | New York, NY · ZIP 10001 | 3.75% | October 22, 2026 |
| PNC BankPNC Fixed Rate CD · Promotional | 4 months | $1,000 | New York, NY · ZIP 10001 | 3.50% | October 22, 2026 |
| Atlantic Union Bank (highest tracked APY for this term)4-Month CD · Promotional | 4 months | $1,000 | Coverage: DC, MD, NC, VA | 3.85% | October 22, 2026 |
| Treasury (APY-equivalent) | 4 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.39% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking ConnectOne Bank on October 22, 2026.
About ConnectOne Bank
- Legal name
- ConnectOne Bank
- Regulator ID
- FDIC 57919
- Headquarters
- Englewood Cliffs, NJ
- Available in
- FL, NJ, NY
- Total assets
- $14.4 billion
- Also known as
- Website
- www.connectonebank.com
Source: rates read from https://www.connectonebank.com/personal/bank/cd-account. See the page text we read.
Frequently asked questions
What is the highest CD rate at ConnectOne Bank?
Among the rates we track, 3.75% APY on a 4-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a ConnectOne Bank CD?
The lowest minimum we found is $500.
How does ConnectOne Bank's best CD rate compare with Treasury yields?
3.75% APY is −0.64% versus the 4-month Treasury yield of 4.39% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.75% a good CD rate?
It is 3.3 times the FDIC national average for a similar term (1.14% 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 ConnectOne Bank CDs insured?
ConnectOne Bank is an FDIC-insured bank (FDIC 57919). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check ConnectOne Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from ConnectOne Bank's website and may change at any time. Confirm terms, minimums and eligibility with ConnectOne Bank before opening an account. This page is not financial advice.