# First Command Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/first-command-bank
Institution: First Command Bank (FDIC 34415)
Aliases: 
Status: live
Last verified: 2026-10-23T03:19:35.000Z (October 22, 2026)
Official source: https://www.firstcommand.com/banking/personal/savings/cd/
Coverage: 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.
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 | standard | 30 days | $1,000 | 0.35% | Not ZIP-priced | −3.78% | 2026-10-23T03:19:35.000Z | [Snapshot 949](https://apyledger.com/snapshots/949) |
| Certificate of Deposit | standard | 30 days | $100,000 | 0.35% | Not ZIP-priced | −3.78% | 2026-10-23T03:19:35.000Z | [Snapshot 949](https://apyledger.com/snapshots/949) |
| Certificate of Deposit | standard | 90 days | $1,000 | 0.30% | Not ZIP-priced | −3.99% | 2026-10-23T03:19:35.000Z | [Snapshot 949](https://apyledger.com/snapshots/949) |
| Certificate of Deposit | standard | 90 days | $100,000 | 0.30% | Not ZIP-priced | −3.99% | 2026-10-23T03:19:35.000Z | [Snapshot 949](https://apyledger.com/snapshots/949) |
| Certificate of Deposit | standard | 182 days | $100,000 | 3.50% | Not ZIP-priced | −0.90% | 2026-10-23T03:19:35.000Z | [Snapshot 949](https://apyledger.com/snapshots/949) |
| Certificate of Deposit | standard | 182 days | $1,000 | 0.80% | Not ZIP-priced | −3.60% | 2026-10-23T03:19:35.000Z | [Snapshot 949](https://apyledger.com/snapshots/949) |
| Certificate of Deposit | standard | 12 months | $1,000 | 0.85% | Not ZIP-priced | −3.72% | 2026-10-23T03:19:35.000Z | [Snapshot 949](https://apyledger.com/snapshots/949) |
| Certificate of Deposit | standard | 12 months | $100,000 | 0.85% | Not ZIP-priced | −3.72% | 2026-10-23T03:19:35.000Z | [Snapshot 949](https://apyledger.com/snapshots/949) |
| Certificate of Deposit | standard | 18 months | $1,000 | 2.50% | Not ZIP-priced | −2.22% | 2026-10-23T03:19:35.000Z | [Snapshot 949](https://apyledger.com/snapshots/949) |
| Certificate of Deposit | standard | 18 months | $100,000 | 2.00% | Not ZIP-priced | −2.72% | 2026-10-23T03:19:35.000Z | [Snapshot 949](https://apyledger.com/snapshots/949) |
| Certificate of Deposit | standard | 24 months | $100,000 | 3.00% | Not ZIP-priced | −1.87% | 2026-10-23T03:19:35.000Z | [Snapshot 949](https://apyledger.com/snapshots/949) |
| Certificate of Deposit | standard | 24 months | $1,000 | 0.90% | Not ZIP-priced | −3.97% | 2026-10-23T03:19:35.000Z | [Snapshot 949](https://apyledger.com/snapshots/949) |
| Certificate of Deposit | standard | 36 months | $100,000 | 3.00% | Not ZIP-priced | −1.95% | 2026-10-23T03:19:35.000Z | [Snapshot 949](https://apyledger.com/snapshots/949) |
| Certificate of Deposit | standard | 36 months | $1,000 | 0.95% | Not ZIP-priced | −4.00% | 2026-10-23T03:19:35.000Z | [Snapshot 949](https://apyledger.com/snapshots/949) |
| Certificate of Deposit | standard | 48 months | $100,000 | 3.00% | Not ZIP-priced | −1.98% | 2026-10-23T03:19:35.000Z | [Snapshot 949](https://apyledger.com/snapshots/949) |
| Certificate of Deposit | standard | 48 months | $1,000 | 2.50% | Not ZIP-priced | −2.48% | 2026-10-23T03:19:35.000Z | [Snapshot 949](https://apyledger.com/snapshots/949) |
| Certificate of Deposit | standard | 60 months | $100,000 | 3.00% | Not ZIP-priced | −2.01% | 2026-10-23T03:19:35.000Z | [Snapshot 949](https://apyledger.com/snapshots/949) |
| Certificate of Deposit | standard | 60 months | $1,000 | 2.50% | Not ZIP-priced | −2.51% | 2026-10-23T03:19:35.000Z | [Snapshot 949](https://apyledger.com/snapshots/949) |

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.