# First Bank of the Lake CD rates

As of October 22, 2026, First Bank of the Lake's highest tracked CD rate is 4.55% APY on a 7-month CD ($1,000 minimum). That is 3.3 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 3.15% to 4.55% APY.

Canonical page: https://apyledger.com/cd-rates/first-bank-of-the-lake
Institution: First Bank of the Lake (FDIC 26960)
Aliases: 
Status: live
Last verified: 2026-10-22T16:21:58.000Z (October 22, 2026)
Official source: https://www.fblake.bank/rates/
Coverage: Published CD rates from 3 to 60 months, quoted separately for branch opening ($1,000 minimum) and online opening ($5,000 minimum). 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| CD | standard | 3 months | $1,000 | 3.40% | Not ZIP-priced | −0.90% | 2026-10-22T16:21:58.000Z | [Snapshot 345](https://apyledger.com/snapshots/345) |
| CD | standard | 6 months | $1,000 | 3.35% | Not ZIP-priced | −1.05% | 2026-10-22T16:21:58.000Z | [Snapshot 345](https://apyledger.com/snapshots/345) |
| CD | standard | 6 months | $5,000 | 3.35% | Not ZIP-priced | −1.05% | 2026-10-22T16:21:58.000Z | [Snapshot 345](https://apyledger.com/snapshots/345) |
| CD | standard | 7 months | $1,000 | 4.55% | Not ZIP-priced | +0.12% | 2026-10-22T16:21:58.000Z | [Snapshot 345](https://apyledger.com/snapshots/345) |
| CD | standard | 7 months | $5,000 | 4.55% | Not ZIP-priced | +0.12% | 2026-10-22T16:21:58.000Z | [Snapshot 345](https://apyledger.com/snapshots/345) |
| CD | standard | 12 months | $1,000 | 3.35% | Not ZIP-priced | −1.22% | 2026-10-22T16:21:58.000Z | [Snapshot 345](https://apyledger.com/snapshots/345) |
| CD | standard | 12 months | $5,000 | 3.35% | Not ZIP-priced | −1.22% | 2026-10-22T16:21:58.000Z | [Snapshot 345](https://apyledger.com/snapshots/345) |
| CD | standard | 18 months | $1,000 | 3.35% | Not ZIP-priced | −1.37% | 2026-10-22T16:21:58.000Z | [Snapshot 345](https://apyledger.com/snapshots/345) |
| CD | standard | 18 months | $5,000 | 3.35% | Not ZIP-priced | −1.37% | 2026-10-22T16:21:58.000Z | [Snapshot 345](https://apyledger.com/snapshots/345) |
| CD | standard | 20 months | $1,000 | 4.45% | Not ZIP-priced | −0.32% | 2026-10-22T16:21:58.000Z | [Snapshot 345](https://apyledger.com/snapshots/345) |
| CD | standard | 20 months | $5,000 | 4.45% | Not ZIP-priced | −0.32% | 2026-10-22T16:21:58.000Z | [Snapshot 345](https://apyledger.com/snapshots/345) |
| CD | standard | 24 months | $1,000 | 3.15% | Not ZIP-priced | −1.72% | 2026-10-22T16:21:58.000Z | [Snapshot 345](https://apyledger.com/snapshots/345) |
| CD | standard | 24 months | $5,000 | 3.15% | Not ZIP-priced | −1.72% | 2026-10-22T16:21:58.000Z | [Snapshot 345](https://apyledger.com/snapshots/345) |
| CD | standard | 36 months | $1,000 | 3.15% | Not ZIP-priced | −1.80% | 2026-10-22T16:21:58.000Z | [Snapshot 345](https://apyledger.com/snapshots/345) |
| CD | standard | 36 months | $5,000 | 3.15% | Not ZIP-priced | −1.80% | 2026-10-22T16:21:58.000Z | [Snapshot 345](https://apyledger.com/snapshots/345) |
| CD | standard | 48 months | $1,000 | 3.15% | Not ZIP-priced | −1.83% | 2026-10-22T16:21:58.000Z | [Snapshot 345](https://apyledger.com/snapshots/345) |
| CD | standard | 48 months | $5,000 | 3.15% | Not ZIP-priced | −1.83% | 2026-10-22T16:21:58.000Z | [Snapshot 345](https://apyledger.com/snapshots/345) |
| CD | standard | 60 months | $1,000 | 3.40% | Not ZIP-priced | −1.61% | 2026-10-22T16:21:58.000Z | [Snapshot 345](https://apyledger.com/snapshots/345) |
| CD | standard | 60 months | $5,000 | 3.40% | Not ZIP-priced | −1.61% | 2026-10-22T16:21:58.000Z | [Snapshot 345](https://apyledger.com/snapshots/345) |

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.