Habib American Bank CD Rates — October 2026
As of October 22, 2026, Habib American Bank's highest tracked CD rate is 4.50% APY on an 11-month CD ($1,500 minimum). That is 2.6 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.50% to 4.50% APY.
Tracking began .
Habib American Bank CD rates
CDs from 3 to 60 months; a $1,500 minimum balance is required to earn the APY. Early withdrawal penalties apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Certificate of Deposit | $1,500 | 3.65% | −0.65% | Top 19% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | Certificate of Deposit | $1,500 | 3.75% | −0.65% | Top 32% of tracked 6-month CDs · Verified October 22, 2026 |
| 11 months | Certificate of Deposit | $1,500 | 4.50% | −0.04% | Verified October 22, 2026 |
| 12 months | Certificate of Deposit | $1,500 | 3.85% | −0.72% | Top 33% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Certificate of Deposit | $1,500 | 2.75% | −1.97% | Top 71% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Certificate of Deposit | $1,500 | 2.75% | −2.12% | Top 70% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Certificate of Deposit | $1,500 | 2.50% | −2.45% | Top 72% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit | $1,500 | 2.50% | −2.48% | Top 69% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit | $1,500 | 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 Habib American Bank's best CD rates by term?
Habib American Bank's best rate is 4.50% APY on 11 months, verified October 22, 2026.
- 3 mo3.65%
- 6 mo3.75%
- 11 mo4.50%
- 12 mo3.85%
- 18 mo2.75%
- 24 mo2.75%
- 36 mo2.50%
- 48 mo2.50%
- 60 mo2.50%
How much interest could a Habib American 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.
$412.26 interest · $10,412.26 at maturity on $10,000.00.
4.50% APY · 11 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 |
|---|---|---|---|---|
| 3 months | $44.893.65% APY · Certificate of Deposit · Standard | $89.783.65% APY · Certificate of Deposit · Standard | $224.453.65% APY · Certificate of Deposit · Standard | $448.903.65% APY · Certificate of Deposit · Standard |
| 6 months | $93.143.75% APY · Certificate of Deposit · Standard | $186.293.75% APY · Certificate of Deposit · Standard | $465.723.75% APY · Certificate of Deposit · Standard | $931.443.75% APY · Certificate of Deposit · Standard |
| 11 months | $206.134.50% APY · Certificate of Deposit · Standard | $412.264.50% APY · Certificate of Deposit · Standard | $1,030.664.50% APY · Certificate of Deposit · Standard | $2,061.314.50% APY · Certificate of Deposit · Standard |
| 12 months | $192.503.85% APY · Certificate of Deposit · Standard | $385.003.85% APY · Certificate of Deposit · Standard | $962.503.85% APY · Certificate of Deposit · Standard | $1,925.003.85% APY · Certificate of Deposit · Standard |
| 18 months | $207.862.75% APY · Certificate of Deposit · Standard | $415.712.75% APY · Certificate of Deposit · Standard | $1,039.282.75% APY · Certificate of Deposit · Standard | $2,078.552.75% APY · Certificate of Deposit · Standard |
| 24 months | $278.782.75% APY · Certificate of Deposit · Standard | $557.562.75% APY · Certificate of Deposit · Standard | $1,393.912.75% APY · Certificate of Deposit · Standard | $2,787.812.75% APY · Certificate of Deposit · Standard |
| 36 months | $384.452.50% APY · Certificate of Deposit · Standard | $768.912.50% APY · Certificate of Deposit · Standard | $1,922.272.50% APY · Certificate of Deposit · Standard | $3,844.532.50% 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 Habib American Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 335-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 3 of 58 tracked institutions with fresh 335-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 |
|---|---|---|---|---|---|
| Habib American Bank (this institution)Certificate of Deposit · Standard | 11 months | $1,500 | Branches in CA, NJ, NY | 4.50% | October 22, 2026 |
| Happen Bank (highest tracked APY for this term)CD · Promotional | 11 months | $500 | Branches in CA, UT | 4.65% | October 22, 2026 |
| Capital OneSpecial 11-month 360 CD · Promotional | 11 months | Not stated | Available nationwide | 4.40% | October 22, 2026 |
| Unity Bank (New Jersey)11 Month CD · Promotional | 11 months | $1,000 | Branches in NJ, PA | 4.30% | October 22, 2026 |
| Treasury (APY-equivalent) | 11 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.54% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Habib American Bank on October 22, 2026.
About Habib American Bank
- Legal name
- Habib American Bank
- Regulator ID
- FDIC 25093
- Headquarters
- New York, NY
- Available in
- CA, NJ, NY
- Total assets
- $2.8 billion
- Also known as
- Website
- www.hab.bank
Source: rates read from https://www.hab.bank/rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Habib American Bank?
Among the rates we track, 4.50% APY on an 11-month CD, as of October 22, 2026.
What is the minimum deposit for a Habib American Bank CD?
The lowest minimum we found is $1,500.
How does Habib American Bank's best CD rate compare with Treasury yields?
4.50% APY is −0.04% versus the 11-month Treasury yield of 4.54% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.50% a good CD rate?
It is 2.6 times the FDIC national average for a similar term (1.76% 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 Habib American Bank CDs insured?
Habib American Bank is an FDIC-insured bank (FDIC 25093). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Habib American Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Habib American Bank's website and may change at any time. Confirm terms, minimums and eligibility with Habib American Bank before opening an account. This page is not financial advice.