# Independent Bank CD rates

As of October 23, 2026, Independent Bank's highest tracked CD rate is 4.18% APY on a 13-month relationship CD ($1,000 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.43% to 3.14% APY.

Canonical page: https://apyledger.com/cd-rates/independent-bank
Institution: Independent Bank (FDIC 27811)
Aliases: 
Status: live
Last verified: 2026-10-23T11:33:42.000Z (October 23, 2026)
Official source: https://www.independentbank.com/current-rates
Coverage: Personal CDs require $500; special CDs require $1,000 and an Independent Bank checking account. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-22. 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 Special | relationship | 3 months | $1,000 | 3.76% | Not ZIP-priced | −0.50% | 2026-10-23T11:33:42.000Z | [Snapshot 1012](https://apyledger.com/snapshots/1012) |
| 6-Month CD | standard | 6 months | $500 | 2.43% | Not ZIP-priced | −1.91% | 2026-10-23T11:33:42.000Z | [Snapshot 1012](https://apyledger.com/snapshots/1012) |
| 7-Month CD Special | relationship | 7 months | $1,000 | 3.87% | Not ZIP-priced | −0.49% | 2026-10-23T11:33:42.000Z | [Snapshot 1012](https://apyledger.com/snapshots/1012) |
| 12-Month CD | standard | 12 months | $500 | 2.73% | Not ZIP-priced | −1.73% | 2026-10-23T11:33:42.000Z | [Snapshot 1012](https://apyledger.com/snapshots/1012) |
| 13-Month CD Special | relationship | 13 months | $1,000 | 4.18% | Not ZIP-priced | −0.30% | 2026-10-23T11:33:42.000Z | [Snapshot 1012](https://apyledger.com/snapshots/1012) |
| 24-Month CD | standard | 24 months | $500 | 3.14% | Not ZIP-priced | −1.56% | 2026-10-23T11:33:42.000Z | [Snapshot 1012](https://apyledger.com/snapshots/1012) |

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.