# ConnectOne Bank CD rates

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%).

Canonical page: https://apyledger.com/cd-rates/connectone-bank
Institution: ConnectOne Bank (FDIC 57919)
Aliases: 
Status: live
Last verified: 2026-10-22T14:04:42.000Z (October 22, 2026)
Official source: https://www.connectonebank.com/personal/bank/cd-account
Coverage: 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 The 4-month Penalty-Free Time Deposit forfeits earned interest if withdrawn within 7 days of opening; other terms may carry early withdrawal penalties.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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 4 Month Penalty-Free CD | promotional | 4 months | $500 | 3.75% | Not ZIP-priced | −0.64% | 2026-10-22T14:04:42.000Z | [Snapshot 286](https://apyledger.com/snapshots/286) |
| 7 Month CD | promotional | 7 months | $500 | 3.75% | Not ZIP-priced | −0.68% | 2026-10-22T14:04:42.000Z | [Snapshot 286](https://apyledger.com/snapshots/286) |
| 11 Month CD | promotional | 11 months | $500 | 3.20% | Not ZIP-priced | −1.34% | 2026-10-22T14:04:42.000Z | [Snapshot 286](https://apyledger.com/snapshots/286) |
| 17 Month CD | promotional | 17 months | $500 | 2.75% | Not ZIP-priced | −1.94% | 2026-10-22T14:04:42.000Z | [Snapshot 286](https://apyledger.com/snapshots/286) |
| 23 Month CD | promotional | 23 months | $500 | 2.75% | Not ZIP-priced | −2.09% | 2026-10-22T14:04:42.000Z | [Snapshot 286](https://apyledger.com/snapshots/286) |

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.