Fremont Bank CD Rates — October 2026
As of October 22, 2026, Fremont Bank's highest tracked CD rate is 3.30% APY on a 9-month CD ($2,500 minimum). That is 2.4 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.25% to 3.30% APY.
Tracking began .
Fremont Bank CD rates
Standard personal CDs only, with a $2,500 minimum and separately selected $2,500, $50,000 and $100,000 balance tiers. Promotional and Premier relationship CDs are excluded. Early withdrawal penalties apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 1 month | Certificate of Deposit | $100,000 | 0.75% | −3.38% | Verified October 22, 2026 |
| 1 month | Certificate of Deposit | $50,000 | 0.50% | −3.63% | Verified October 22, 2026 |
| 1 month | Certificate of Deposit | $2,500 | 0.25% | −3.88% | Verified October 22, 2026 |
| 3 months | Certificate of Deposit | $2,500same APY in 3 balance tiers | 3.25% | −1.04% | Top 37% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | Certificate of Deposit | $2,500same APY in 3 balance tiers | 3.00% | −1.40% | Top 68% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | Certificate of Deposit | $2,500same APY in 3 balance tiers | 3.30% | −1.18% | Top 70% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | Certificate of Deposit | $100,000 | 1.75% | −2.82% | Top 84% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Certificate of Deposit | $50,000 | 1.50% | −3.07% | Top 88% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Certificate of Deposit | $2,500 | 1.25% | −3.32% | Top 89% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Certificate of Deposit | $100,000 | 1.75% | −2.97% | Top 87% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Certificate of Deposit | $50,000 | 1.50% | −3.22% | Top 90% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Certificate of Deposit | $2,500 | 1.25% | −3.47% | Top 91% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Certificate of Deposit | $100,000 | 1.75% | −3.12% | Top 86% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Certificate of Deposit | $50,000 | 1.50% | −3.37% | Top 88% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Certificate of Deposit | $2,500 | 1.25% | −3.62% | Top 90% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Certificate of Deposit | $100,000 | 1.75% | −3.20% | Top 83% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Certificate of Deposit | $50,000 | 1.50% | −3.45% | Top 86% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Certificate of Deposit | $2,500 | 1.25% | −3.70% | Top 88% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit | $100,000 | 1.75% | −3.23% | Top 82% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit | $50,000 | 1.50% | −3.48% | Top 84% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit | $2,500 | 1.25% | −3.73% | Top 87% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit | $100,000 | 1.75% | −3.26% | Top 84% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit | $50,000 | 1.50% | −3.51% | Top 86% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit | $2,500 | 1.25% | −3.76% | Top 89% 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 Fremont Bank's best CD rates by term?
Fremont Bank's best rate is 3.30% APY on 9 months, verified October 22, 2026.
- 1 mo0.75%
- 3 mo3.25%
- 6 mo3.00%
- 9 mo3.30%
- 12 mo1.75%
- 18 mo1.75%
- 24 mo1.75%
- 36 mo1.75%
- 48 mo1.75%
- 60 mo1.75%
How much interest could a Fremont 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.
$246.72 interest · $10,246.72 at maturity on $10,000.00.
3.30% APY · 9 months · 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 |
|---|---|---|---|---|
| 1 month | $1.030.25% APY · Certificate of Deposit · Standard | $2.050.25% APY · Certificate of Deposit · Standard | $5.130.25% APY · Certificate of Deposit · Standard | $20.500.50% APY · Certificate of Deposit · Standard |
| 3 months | $40.033.25% APY · Certificate of Deposit · Standard | $80.063.25% APY · Certificate of Deposit · Standard | $200.143.25% APY · Certificate of Deposit · Standard | $400.293.25% APY · Certificate of Deposit · Standard |
| 6 months | $74.653.00% APY · Certificate of Deposit · Standard | $149.303.00% APY · Certificate of Deposit · Standard | $373.263.00% APY · Certificate of Deposit · Standard | $746.513.00% APY · Certificate of Deposit · Standard |
| 9 months | $123.363.30% APY · Certificate of Deposit · Standard | $246.723.30% APY · Certificate of Deposit · Standard | $616.803.30% APY · Certificate of Deposit · Standard | $1,233.603.30% APY · Certificate of Deposit · Standard |
| 12 months | $62.501.25% APY · Certificate of Deposit · Standard | $125.001.25% APY · Certificate of Deposit · Standard | $312.501.25% APY · Certificate of Deposit · Standard | $750.001.50% APY · Certificate of Deposit · Standard |
| 18 months | $94.131.25% APY · Certificate of Deposit · Standard | $188.261.25% APY · Certificate of Deposit · Standard | $470.651.25% APY · Certificate of Deposit · Standard | $1,130.251.50% APY · Certificate of Deposit · Standard |
| 24 months | $125.781.25% APY · Certificate of Deposit · Standard | $251.561.25% APY · Certificate of Deposit · Standard | $628.911.25% APY · Certificate of Deposit · Standard | $1,511.251.50% APY · Certificate of Deposit · Standard |
| 36 months | $189.851.25% APY · Certificate of Deposit · Standard | $379.711.25% APY · Certificate of Deposit · Standard | $949.271.25% APY · Certificate of Deposit · Standard | $2,283.921.50% APY · Certificate of Deposit · Standard |
| 48 months | $254.731.25% APY · Certificate of Deposit · Standard | $509.451.25% APY · Certificate of Deposit · Standard | $1,273.631.25% APY · Certificate of Deposit · Standard | $3,068.181.50% APY · Certificate of Deposit · Standard |
| 60 months | $320.411.25% APY · Certificate of Deposit · Standard | $640.821.25% APY · Certificate of Deposit · Standard | $1,602.051.25% APY · Certificate of Deposit · Standard | $3,864.201.50% APY · Certificate of Deposit · Standard |
How Fremont Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 274-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 93 of 130 tracked institutions with fresh 274-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 |
|---|---|---|---|---|---|
| Fremont Bank (this institution)Certificate of Deposit · Standard | 9 months | $2,500 | Branches in CA | 3.30% | October 22, 2026 |
| Justice Federal Credit Union (highest tracked APY for this term)9-Month Special Certificate · Relationship | 9 months | $100,000 | Membership required · branches in 9 states | 5.35% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 9 months | Not stated | Available nationwide | 4.40% | October 22, 2026 |
| CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard | 9 months | $1,000 | Available nationwide | 4.35% | October 22, 2026 |
| Treasury (APY-equivalent) | 9 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.48% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Fremont Bank on October 22, 2026.
About Fremont Bank
- Legal name
- Fremont Bank
- Regulator ID
- FDIC 19222
- Headquarters
- Fremont, CA
- Available in
- CA
- Total assets
- $6.0 billion
- Also known as
- Website
- www.fremontbank.com
Source: rates read from https://www.fremontbank.com/personal/savings/certificate-of-deposits/rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Fremont Bank?
Among the rates we track, 3.30% APY on a 9-month CD, as of October 22, 2026.
What is the minimum deposit for a Fremont Bank CD?
The lowest minimum we found is $2,500; jumbo and higher balance tiers start at up to $100,000.
How does Fremont Bank's best CD rate compare with Treasury yields?
3.30% APY is −1.18% versus the 9-month Treasury yield of 4.48% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.30% a good CD rate?
It is 2.4 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 Fremont Bank CDs insured?
Fremont Bank is an FDIC-insured bank (FDIC 19222). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Fremont Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Fremont Bank's website and may change at any time. Confirm terms, minimums and eligibility with Fremont Bank before opening an account. This page is not financial advice.