# INTRUST Bank CD rates

As of October 23, 2026, INTRUST Bank's highest tracked CD rate is 4.00% APY on a 9-month promotional CD ($500 minimum). That is 2.9 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 1.55% to 2.70% APY.

Canonical page: https://apyledger.com/cd-rates/intrust-bank
Institution: Intrust Bank, National Association (FDIC 4799)
Aliases: 
Status: live
Last verified: 2026-10-23T11:33:40.000Z (October 23, 2026)
Official source: https://www.intrustbank.com/personal/savings/certificate-of-deposit
Coverage: Personal CDs require $500; includes the advertised 9-, 12- and 18-month offers. 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 | standard | 3 months | $500 | 2.70% | Not ZIP-priced | −1.56% | 2026-10-23T11:33:40.000Z | [Snapshot 1014](https://apyledger.com/snapshots/1014) |
| 6-month CD | standard | 6 months | $500 | 2.70% | Not ZIP-priced | −1.64% | 2026-10-23T11:33:40.000Z | [Snapshot 1014](https://apyledger.com/snapshots/1014) |
| 9-month CD | promotional | 9 months | $500 | 4.00% | Not ZIP-priced | −0.40% | 2026-10-23T11:33:40.000Z | [Snapshot 1014](https://apyledger.com/snapshots/1014) |
| 12-month CD | standard | 12 months | $500 | 2.70% | Not ZIP-priced | −1.76% | 2026-10-23T11:33:40.000Z | [Snapshot 1014](https://apyledger.com/snapshots/1014) |
| 18-month CD | standard | 18 months | $500 | 2.30% | Not ZIP-priced | −2.28% | 2026-10-23T11:33:40.000Z | [Snapshot 1014](https://apyledger.com/snapshots/1014) |
| 24-month CD | standard | 24 months | $500 | 2.05% | Not ZIP-priced | −2.65% | 2026-10-23T11:33:40.000Z | [Snapshot 1014](https://apyledger.com/snapshots/1014) |
| 36-month CD | standard | 36 months | $500 | 1.55% | Not ZIP-priced | −3.23% | 2026-10-23T11:33:40.000Z | [Snapshot 1014](https://apyledger.com/snapshots/1014) |
| 48-month CD | standard | 48 months | $500 | 1.55% | Not ZIP-priced | −3.26% | 2026-10-23T11:33:40.000Z | [Snapshot 1014](https://apyledger.com/snapshots/1014) |
| 60-month CD | standard | 60 months | $500 | 1.55% | Not ZIP-priced | −3.29% | 2026-10-23T11:33:40.000Z | [Snapshot 1014](https://apyledger.com/snapshots/1014) |

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.