# Johnson Bank CD rates

As of October 22, 2026, Johnson Bank's highest tracked CD rate is 3.85% APY on a 13-month promotional CD ($5,000 minimum). That is 2.2 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 1.76% to 3.00% APY.

Canonical page: https://apyledger.com/cd-rates/johnson-bank
Institution: Johnson Bank (FDIC 20296)
Aliases: 
Status: live
Last verified: 2026-10-22T14:30:47.000Z (October 22, 2026)
Official source: https://www.johnsonfinancialgroup.com/bank-deposit-rates/
Coverage: Includes personal CD specials and standard CD rates with separate balance tiers; excludes separately headed IRA and money-market products. Special minimums vary by term and tier, beginning at $5,000 or $10,000; standard CDs begin at $2,000. Contact the bank to open and confirm current terms. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit Accounts (CD) | standard | 3 months | $2,000 | 1.76% | Not ZIP-priced | −2.54% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 5 months | $5,000 | 3.22% | Not ZIP-priced | −1.17% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 5 months | $100,000 | 3.22% | Not ZIP-priced | −1.17% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 5 months | $250,000 | 3.22% | Not ZIP-priced | −1.17% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 5 months | $500,000 | 3.22% | Not ZIP-priced | −1.17% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 5 months | $1,000,000 | 3.22% | Not ZIP-priced | −1.17% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 5 months | $2,000,000 | 3.22% | Not ZIP-priced | −1.17% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| Certificate of Deposit Accounts (CD) | standard | 6 months | $2,000 | 2.01% | Not ZIP-priced | −2.39% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| Certificate of Deposit Accounts (CD) | standard | 6 months | $100,000 | 2.01% | Not ZIP-priced | −2.39% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| Certificate of Deposit Accounts (CD) | standard | 6 months | $250,000 | 2.01% | Not ZIP-priced | −2.39% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| Certificate of Deposit Accounts (CD) | standard | 6 months | $500,000 | 2.01% | Not ZIP-priced | −2.39% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| Certificate of Deposit Accounts (CD) | standard | 6 months | $1,000,000 | 2.01% | Not ZIP-priced | −2.39% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| Certificate of Deposit Accounts (CD) | standard | 6 months | $2,000,000 | 2.01% | Not ZIP-priced | −2.39% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 7 months | $5,000 | 3.82% | Not ZIP-priced | −0.61% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 7 months | $100,000 | 3.82% | Not ZIP-priced | −0.61% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 7 months | $250,000 | 3.82% | Not ZIP-priced | −0.61% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 7 months | $500,000 | 3.82% | Not ZIP-priced | −0.61% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 7 months | $1,000,000 | 3.82% | Not ZIP-priced | −0.61% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 7 months | $2,000,000 | 3.82% | Not ZIP-priced | −0.61% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 9 months | $5,000 | 3.40% | Not ZIP-priced | −1.08% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 9 months | $100,000 | 3.40% | Not ZIP-priced | −1.08% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 9 months | $250,000 | 3.40% | Not ZIP-priced | −1.08% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 9 months | $500,000 | 3.40% | Not ZIP-priced | −1.08% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 9 months | $1,000,000 | 3.40% | Not ZIP-priced | −1.08% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 9 months | $2,000,000 | 3.40% | Not ZIP-priced | −1.08% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| Certificate of Deposit Accounts (CD) | standard | 12 months | $2,000 | 2.75% | Not ZIP-priced | −1.82% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 13 months | $5,000 | 3.85% | Not ZIP-priced | −0.75% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 13 months | $100,000 | 3.85% | Not ZIP-priced | −0.75% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 13 months | $250,000 | 3.85% | Not ZIP-priced | −0.75% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 13 months | $500,000 | 3.85% | Not ZIP-priced | −0.75% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 13 months | $1,000,000 | 3.85% | Not ZIP-priced | −0.75% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 13 months | $2,000,000 | 3.85% | Not ZIP-priced | −0.75% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 18 months | $5,000 | 3.85% | Not ZIP-priced | −0.87% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 18 months | $100,000 | 3.85% | Not ZIP-priced | −0.87% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 18 months | $250,000 | 3.85% | Not ZIP-priced | −0.87% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 18 months | $500,000 | 3.85% | Not ZIP-priced | −0.87% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 18 months | $1,000,000 | 3.85% | Not ZIP-priced | −0.87% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 18 months | $2,000,000 | 3.85% | Not ZIP-priced | −0.87% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| Certificate of Deposit Accounts (CD) | standard | 24 months | $2,000 | 2.80% | Not ZIP-priced | −2.07% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 33 months | $10,000 | 3.74% | Not ZIP-priced | −1.19% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 33 months | $100,000 | 3.74% | Not ZIP-priced | −1.19% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 33 months | $250,000 | 3.74% | Not ZIP-priced | −1.19% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 33 months | $500,000 | 3.74% | Not ZIP-priced | −1.19% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 33 months | $1,000,000 | 3.74% | Not ZIP-priced | −1.19% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| CD Specials | promotional | 33 months | $2,000,000 | 3.74% | Not ZIP-priced | −1.19% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| Certificate of Deposit Accounts (CD) | standard | 36 months | $2,000 | 2.85% | Not ZIP-priced | −2.10% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| Certificate of Deposit Accounts (CD) | standard | 48 months | $2,000 | 2.95% | Not ZIP-priced | −2.03% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |
| Certificate of Deposit Accounts (CD) | standard | 60 months | $2,000 | 3.00% | Not ZIP-priced | −2.01% | 2026-10-22T14:30:47.000Z | [Snapshot 296](https://apyledger.com/snapshots/296) |

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.