# First National Bank of Hutchinson CD rates

As of October 22, 2026, First National Bank of Hutchinson's highest tracked CD rate is 4.15% APY on a 16-month promotional CD ($1,000 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 1.51% to 2.77% APY.

Canonical page: https://apyledger.com/cd-rates/first-national-bank-of-hutchinson
Institution: The First National Bank of Hutchinson (FDIC 4697)
Aliases: 
Status: live
Last verified: 2026-10-23T03:19:41.000Z (October 22, 2026)
Official source: https://www.fnbhutch.bank/rates
Coverage: CD specials (7-month add-on, 13 and 16 months, and a 10-month Perks+ add-on) and standard CDs from 3 months to 5 years with a $1,000 minimum. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3 month CD | standard | 3 months | $1,000 | 1.51% | Not ZIP-priced | −2.79% | 2026-10-23T03:19:41.000Z | [Snapshot 952](https://apyledger.com/snapshots/952) |
| 6 month CD | standard | 6 months | $1,000 | 1.76% | Not ZIP-priced | −2.64% | 2026-10-23T03:19:41.000Z | [Snapshot 952](https://apyledger.com/snapshots/952) |
| 7 month Add-On CD | promotional | 7 months | $500 | 3.80% | Not ZIP-priced | −0.63% | 2026-10-23T03:19:41.000Z | [Snapshot 952](https://apyledger.com/snapshots/952) |
| Perks+ 10 month Add-On CD | relationship | 10 months | $1,000 | 3.85% | Not ZIP-priced | −0.66% | 2026-10-23T03:19:41.000Z | [Snapshot 952](https://apyledger.com/snapshots/952) |
| 1 year CD | standard | 12 months | $1,000 | 2.65% | Not ZIP-priced | −1.92% | 2026-10-23T03:19:41.000Z | [Snapshot 952](https://apyledger.com/snapshots/952) |
| 13 month CD | promotional | 13 months | $1,000 | 4.00% | Not ZIP-priced | −0.60% | 2026-10-23T03:19:41.000Z | [Snapshot 952](https://apyledger.com/snapshots/952) |
| 16 month CD | promotional | 16 months | $1,000 | 4.15% | Not ZIP-priced | −0.52% | 2026-10-23T03:19:41.000Z | [Snapshot 952](https://apyledger.com/snapshots/952) |
| 2 year CD | standard | 24 months | $1,000 | 2.77% | Not ZIP-priced | −2.10% | 2026-10-23T03:19:41.000Z | [Snapshot 952](https://apyledger.com/snapshots/952) |
| 3 year CD | standard | 36 months | $1,000 | 2.77% | Not ZIP-priced | −2.18% | 2026-10-23T03:19:41.000Z | [Snapshot 952](https://apyledger.com/snapshots/952) |
| 4 year CD | standard | 48 months | $1,000 | 2.77% | Not ZIP-priced | −2.21% | 2026-10-23T03:19:41.000Z | [Snapshot 952](https://apyledger.com/snapshots/952) |
| 5 year CD | standard | 60 months | $1,000 | 2.77% | Not ZIP-priced | −2.24% | 2026-10-23T03:19:41.000Z | [Snapshot 952](https://apyledger.com/snapshots/952) |

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.