First Command Bank CD Rates — October 2026
As of October 22, 2026, First Command Bank's highest tracked CD rate is 3.50% APY on a 182-day CD ($100,000 minimum). That is 2.5 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.30% to 3.50% APY.
Tracking began .
With $10,000 and no relationship requirement: 2.50% on 18 months
First Command Bank CD rates
CDs from 30 days to 5 years with a $1,000 minimum; rates shown are for balances under $100,000. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 30 days | Certificate of Deposit | $1,000same APY in 2 balance tiers | 0.35% | −3.78% | Verified October 22, 2026 |
| 90 days | Certificate of Deposit | $1,000same APY in 2 balance tiers | 0.30% | −3.99% | Verified October 22, 2026 |
| 182 days | Certificate of Deposit | $100,000 | 3.50% | −0.90% | Verified October 22, 2026 |
| 182 days | Certificate of Deposit | $1,000 | 0.80% | −3.60% | Verified October 22, 2026 |
| 12 months | Certificate of Deposit | $1,000same APY in 2 balance tiers | 0.85% | −3.72% | Top 92% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Certificate of Deposit | $1,000 | 2.50% | −2.22% | Top 77% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Certificate of Deposit | $100,000 | 2.00% | −2.72% | Top 83% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Certificate of Deposit | $100,000 | 3.00% | −1.87% | Top 63% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Certificate of Deposit | $1,000 | 0.90% | −3.97% | Top 92% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Certificate of Deposit | $100,000 | 3.00% | −1.95% | Top 60% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Certificate of Deposit | $1,000 | 0.95% | −4.00% | Top 89% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit | $100,000 | 3.00% | −1.98% | Top 56% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit | $1,000 | 2.50% | −2.48% | Top 69% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit | $100,000 | 3.00% | −2.01% | Top 61% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit | $1,000 | 2.50% | −2.51% | Top 72% of tracked 60-month CDs · 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 First Command Bank's best CD rates by term?
First Command Bank's best rate is 3.50% APY on 182 days, verified October 22, 2026.
- 30 days0.35%
- 90 days0.30%
- 182 days3.50%
- 12 mo0.85%
- 18 mo2.50%
- 24 mo3.00%
- 36 mo3.00%
- 48 mo3.00%
- 60 mo3.00%
How much interest could a First Command 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.
$39.81 interest · $10,039.81 at maturity on $10,000.00.
0.80% APY · 182 days · Certificate of Deposit · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 30 days | $1.440.35% APY · Certificate of Deposit · Standard | $2.870.35% APY · Certificate of Deposit · Standard | $7.180.35% APY · Certificate of Deposit · Standard | $14.360.35% APY · Certificate of Deposit · Standard |
| 90 days | $3.690.30% APY · Certificate of Deposit · Standard | $7.390.30% APY · Certificate of Deposit · Standard | $18.470.30% APY · Certificate of Deposit · Standard | $36.940.30% APY · Certificate of Deposit · Standard |
| 182 days | $19.910.80% APY · Certificate of Deposit · Standard | $39.810.80% APY · Certificate of Deposit · Standard | $99.530.80% APY · Certificate of Deposit · Standard | $199.050.80% APY · Certificate of Deposit · Standard |
| 12 months | $42.500.85% APY · Certificate of Deposit · Standard | $85.000.85% APY · Certificate of Deposit · Standard | $212.500.85% APY · Certificate of Deposit · Standard | $425.000.85% APY · Certificate of Deposit · Standard |
| 18 months | $188.842.50% APY · Certificate of Deposit · Standard | $377.692.50% APY · Certificate of Deposit · Standard | $944.212.50% APY · Certificate of Deposit · Standard | $1,888.432.50% APY · Certificate of Deposit · Standard |
| 24 months | $90.400.90% APY · Certificate of Deposit · Standard | $180.810.90% APY · Certificate of Deposit · Standard | $452.020.90% APY · Certificate of Deposit · Standard | $904.050.90% APY · Certificate of Deposit · Standard |
| 36 months | $143.860.95% APY · Certificate of Deposit · Standard | $287.720.95% APY · Certificate of Deposit · Standard | $719.290.95% APY · Certificate of Deposit · Standard | $1,438.580.95% APY · Certificate of Deposit · Standard |
| 48 months | $519.062.50% APY · Certificate of Deposit · Standard | $1,038.132.50% APY · Certificate of Deposit · Standard | $2,595.322.50% APY · Certificate of Deposit · Standard | $5,190.642.50% APY · Certificate of Deposit · Standard |
| 60 months | $657.042.50% APY · Certificate of Deposit · Standard | $1,314.082.50% APY · Certificate of Deposit · Standard | $3,285.212.50% APY · Certificate of Deposit · Standard | $6,570.412.50% APY · Certificate of Deposit · Standard |
How First Command Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 182-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 7 of 21 tracked institutions with fresh 182-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 | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| First Command Bank (this institution)Certificate of Deposit · Standard | 182 days | $100,000 | Branches in TX | 3.50% | October 22, 2026 |
| USAA BankSuper jumbo CD · Standard | 182 days | $175,000 | Branches in AZ, CO, MD, NY, TX | 2.25% | October 22, 2026 |
| Armed Forces BankCertificate of Deposit · Standard | 182 days | $500 | Branches in 10 states | 1.10% | October 22, 2026 |
| CorTrust Bank (highest tracked APY for this term)Certificate of Deposit · Standard | 182 days | $1,000 | Branches in MN, SD | 4.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 182 days (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.40% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking First Command Bank on October 22, 2026.
About First Command Bank
- Legal name
- First Command Bank
- Regulator ID
- FDIC 34415
- Headquarters
- Fort Worth, TX
- Available in
- TX
- Total assets
- $1.1 billion
- Also known as
- Website
- www.firstcommand.com
Source: rates read from https://www.firstcommand.com/banking/personal/savings/cd/. See the page text we read.
Frequently asked questions
What is the highest CD rate at First Command Bank?
Among the rates we track, 3.50% APY on a 182-day CD, as of October 22, 2026.
What is the minimum deposit for a First Command Bank CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $100,000.
How does First Command Bank's best CD rate compare with Treasury yields?
3.50% APY is −0.90% versus the 182-day Treasury yield of 4.40% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.50% a good CD rate?
It is 2.5 times the FDIC national average for a similar term (1.39% 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 First Command Bank CDs insured?
First Command Bank is an FDIC-insured bank (FDIC 34415). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check First Command Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from First Command Bank's website and may change at any time. Confirm terms, minimums and eligibility with First Command Bank before opening an account. This page is not financial advice.