APY Ledger

Fulton Bank CD Rates — October 2026

Also known as Fulton.

As of October 22, 2026, Fulton Bank's highest CD rate is 4.00% APY on a 7-month promotional CD ($10,000 minimum). That is 2.9 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.70% to 3.35% APY.

Last verified from www.fultonbank.com · FDIC-insured bank · Lancaster, PA

Tracking began .

Best APY4.00%7 months, $10,000 min
vs. Treasury−0.43%same-term Treasury 4.43%
vs. national average2.9×FDIC national average 1.39%
After inflation0.26%CPI 3.7% year over year
$10,000 earns$231over 7 months, before tax

Fulton Bank CD rates

Rates shown are the standard and promotional rates published on Fulton Bank’s rate page. Preferred pricing may require a qualifying relationship; confirm availability with the bank.

Fulton Bank CD rates
TermProductMinimumAPYvs. Treasury
3 months Certificate of Deposit $1,000 0.70%Verified October 22, 2026 −3.59%
4 months Certificate of Deposit Promo - New Money Promotional $10,000 3.80%Verified October 22, 2026 −0.59%
6 months Certificate of Deposit $1,000 0.70%Verified October 22, 2026 −3.70%
7 months Certificate of Deposit Promo - New Money Promotional $10,000 4.00%Verified October 22, 2026 −0.43%
9 months 9-Month No Penalty CD $1,000 3.35%Verified October 22, 2026 −1.13%
9 months Certificate of Deposit $1,000 0.70%Verified October 22, 2026 −3.78%
12 months 12-Month Variable Rate CD $1,000same APY in 2 balance tiers 0.70%Verified October 22, 2026 −3.87%
13 months Certificate of Deposit Promo Promotional $1,000 3.60%Verified October 22, 2026 −1.00%
15 months Certificate of Deposit $1,000 0.95%Verified October 22, 2026 −3.70%
18 months Certificate of Deposit $1,000 0.95%Verified October 22, 2026 −3.77%
24 months Certificate of Deposit $1,000 0.95%Verified October 22, 2026 −3.92%
25 months Certificate of Deposit Promo - New Money Promotional $10,000 4.00%Verified October 22, 2026 −0.87%
30 months Certificate of Deposit $1,000 1.01%Verified October 22, 2026 −3.90%
36 months 36-Month Bump Up CD Promotional $1,000 3.20%Verified October 22, 2026 −1.75%
36 months Certificate of Deposit $1,000 1.01%Verified October 22, 2026 −3.94%
48 months Certificate of Deposit $1,000 1.01%Verified October 22, 2026 −3.97%
60 months Certificate of Deposit $1,000 1.01%Verified October 22, 2026 −4.00%
72 months Certificate of Deposit $1,000 1.01%Verified October 22, 2026 −4.04%

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.

Watch the renewal rate

The best promotional rate here is 4.00% APY (7 months). The standard rate for a similar term is 0.70% APY (6 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $330 less per year. Check the account terms and set a reminder before maturity.

Calculate the cost of auto-renewal

What are Fulton Bank's best CD rates by term?

Fulton Bank's best rate is 4.00% APY on 7 months, verified October 22, 2026.

  1. 3 mo0.70%
  2. 4 mo3.80%
  3. 6 mo0.70%
  4. 7 mo4.00%
  5. 9 mo3.35%
  6. 12 mo0.70%
  7. 13 mo3.60%
  8. 15 mo0.95%
  9. 18 mo0.95%
  10. 24 mo0.95%
  11. 25 mo4.00%
  12. 30 mo1.01%
  13. 36 mo3.20%
  14. 48 mo1.01%
  15. 60 mo1.01%
  16. 72 mo1.01%

Calculate earnings at 4.00% for 7 months

How Fulton Bank compares

Rate changes

No changes since we started tracking Fulton Bank on October 22, 2026.

About Fulton Bank

Legal name
Fulton Bank, National Association
Regulator ID
FDIC 7551
Headquarters
Lancaster, PA
Available in
DE, MD, NJ, PA, VA
Also known as
Fulton
Website
www.fultonbank.com

Source: rates read from https://www.fultonbank.com/Rates. See the page text we read.

Frequently asked questions

What is the highest CD rate at Fulton Bank?

4.00% APY on a 7-month promotional CD, as of October 22, 2026.

What is the minimum deposit for a Fulton Bank CD?

The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $10,000.

How does Fulton Bank's best CD rate compare with Treasury yields?

4.00% APY is −0.43% versus the 7-month Treasury yield of 4.43% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.00% a good CD rate?

It is 2.9 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 Fulton Bank CDs insured?

Fulton Bank is an FDIC-insured bank (FDIC 7551). Deposits are insured up to $250,000 per depositor, per ownership category.

How often is this page updated?

We check Fulton Bank's rate page every day. The rates above were last verified on October 22, 2026.

More bank CD rates

Rates are copied from Fulton Bank's website and may change at any time. Confirm terms, minimums and eligibility with Fulton Bank before opening an account. This page is not financial advice.