# Horicon Bank CD rates

As of October 22, 2026, Horicon Bank's highest tracked CD rate is 3.78% APY on a 24-month CD ($1,000 minimum). That is 2.4 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.02% to 3.78% APY.

Canonical page: https://apyledger.com/cd-rates/horicon-bank
Institution: Horicon Bank (FDIC 11236)
Aliases: 
Status: live
Last verified: 2026-10-22T16:22:51.000Z (October 22, 2026)
Official source: https://www.horiconbank.com/cds.html
Coverage: Published CD rates from 31 days to 5 years, each with a $1,000 minimum. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 31 Day CD | standard | 31 days | $1,000 | 3.04% | Not ZIP-priced | −1.09% | 2026-10-22T16:22:51.000Z | [Snapshot 362](https://apyledger.com/snapshots/362) |
| 91 Day CD | standard | 91 days | $1,000 | 3.03% | Not ZIP-priced | −1.27% | 2026-10-22T16:22:51.000Z | [Snapshot 362](https://apyledger.com/snapshots/362) |
| 182 Day CD (6 Month) | standard | 182 days | $1,000 | 3.48% | Not ZIP-priced | −0.92% | 2026-10-22T16:22:51.000Z | [Snapshot 362](https://apyledger.com/snapshots/362) |
| 1 Year CD | standard | 12 months | $1,000 | 3.48% | Not ZIP-priced | −1.09% | 2026-10-22T16:22:51.000Z | [Snapshot 362](https://apyledger.com/snapshots/362) |
| 1 1/2 Year CD (18 Month) | standard | 18 months | $1,000 | 3.69% | Not ZIP-priced | −1.03% | 2026-10-22T16:22:51.000Z | [Snapshot 362](https://apyledger.com/snapshots/362) |
| 2 Year CD | standard | 24 months | $1,000 | 3.78% | Not ZIP-priced | −1.09% | 2026-10-22T16:22:51.000Z | [Snapshot 362](https://apyledger.com/snapshots/362) |
| 3 Year CD | standard | 36 months | $1,000 | 3.02% | Not ZIP-priced | −1.93% | 2026-10-22T16:22:51.000Z | [Snapshot 362](https://apyledger.com/snapshots/362) |
| 4 Year CD | standard | 48 months | $1,000 | 3.02% | Not ZIP-priced | −1.96% | 2026-10-22T16:22:51.000Z | [Snapshot 362](https://apyledger.com/snapshots/362) |
| 5 Year CD | standard | 60 months | $1,000 | 3.02% | Not ZIP-priced | −1.99% | 2026-10-22T16:22:51.000Z | [Snapshot 362](https://apyledger.com/snapshots/362) |

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.