# Consumers National Bank CD rates

As of October 22, 2026, Consumers National Bank's highest tracked CD rate is 4.20% APY on a 15-month promotional CD ($1,000 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%).

Canonical page: https://apyledger.com/cd-rates/consumers-national-bank
Institution: Consumers National Bank (FDIC 19482)
Aliases: 
Status: live
Last verified: 2026-10-23T03:19:11.000Z (October 22, 2026)
Official source: https://www.consumers.bank/Rates
Coverage: CD specials from 5 to 18 months with a $1,000 minimum to open. Early withdrawal penalties 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit (CD) | promotional | 5 months | $1,000 | 3.50% | Not ZIP-priced | −0.89% | 2026-10-23T03:19:11.000Z | [Snapshot 946](https://apyledger.com/snapshots/946) |
| Certificate of Deposit (CD) | promotional | 12 months | $1,000 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-23T03:19:11.000Z | [Snapshot 946](https://apyledger.com/snapshots/946) |
| Certificate of Deposit (CD) | promotional | 15 months | $1,000 | 4.20% | Not ZIP-priced | −0.45% | 2026-10-23T03:19:11.000Z | [Snapshot 946](https://apyledger.com/snapshots/946) |
| Certificate of Deposit (CD) | promotional | 18 months | $1,000 | 4.00% | Not ZIP-priced | −0.72% | 2026-10-23T03:19:11.000Z | [Snapshot 946](https://apyledger.com/snapshots/946) |

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.