KeyBank CD Rates — October 2026
As of October 22, 2026, KeyBank's best CD rate for ZIP 14202 (Buffalo, NY) is 4.00% APY on a 12-month relationship CD ($10,000 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). The best rate was 4.00% APY in all 3 ZIP codes checked.
Tracking began .
Rates by location
KeyBank prices some CDs by ZIP code. We check one ZIP in each state where it has branches.
KeyBank CD rates in Seattle, WA
Promotional Key Tiered CD quotes for the ZIP codes checked, by opening balance. Relationship Reward rates require an eligible Key checking account. Standard tiered CD terms are not listed.
| Term | Product | APY |
|---|---|---|
| 12 months | Key Tiered CD with Relationship Reward Relationship | 4.00%Verified October 22, 2026 |
| 12 months | Key Tiered CD with Relationship Reward Relationship | 3.75%Verified October 22, 2026 |
| 12 months | Key Tiered CD Promotional | 3.75%Verified October 22, 2026 |
| 12 months | Key Tiered CD Promotional | 3.50%Verified October 22, 2026 |
| 23 months | Key Tiered CD with Relationship Reward Relationship | 4.00%Verified October 22, 2026 |
| 23 months | Key Tiered CD with Relationship Reward Relationship | 3.75%Verified October 22, 2026 |
| 23 months | Key Tiered CD Promotional | 3.75%Verified October 22, 2026 |
| 23 months | Key Tiered CD Promotional | 3.50%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.
Rates that are the same in every ZIP
16 of KeyBank's CD rates were identical in all 3 ZIP codes we checked, ranging from 3.50% to 4.00% APY.
What are KeyBank's best CD rates by term?
KeyBank's best rate for ZIP 98101 is 4.00% APY on 12 months, verified October 22, 2026.
- 12 mo4.00%
- 23 mo4.00%
How much interest could a KeyBank CD earn?
Estimated interest at maturity for the displayed ZIP 98101 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.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 12 months | $187.503.75% APY · Key Tiered CD with Relationship Reward · Relationship | $400.004.00% APY · Key Tiered CD with Relationship Reward · Relationship | $1,000.004.00% APY · Key Tiered CD with Relationship Reward · Relationship | $2,000.004.00% APY · Key Tiered CD with Relationship Reward · Relationship |
How KeyBank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 21 of 64 tracked institutions with fresh 365-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 | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| KeyBank (this institution)Key Tiered CD with Relationship Reward · Relationship | 12 months | $10,000 | Seattle, WA · ZIP 98101 | 4.00% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 12 months | $10,000 | Nationwide; check eligibility | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Nationwide; check eligibility | 4.55% | October 22, 2026 |
| Barclays12 Month CD · Standard | 12 months | Not stated | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Coverage: NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking KeyBank on October 22, 2026.
About KeyBank
- Legal name
- KeyBank National Association
- Regulator ID
- FDIC 17534
- Headquarters
- Cleveland, OH
- Available in
- AK, CO, CT, FL, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, WA
- Total assets
- $188.6 billion
- Also known as
- Key Bank, Key
- Website
- www.key.com
Source: rates read from https://onlinea.key.com/uap/SvltUap?target=CtrlStart&mode=26&redirectURL=https%3A%2F%2Fonlinea.key.com%2Fuap%2FSvltKdd%3Fmode%3D3%26id%3DKCOCHT-TCDM. See the page text we read.
Frequently asked questions
What is the highest CD rate at KeyBank?
4.00% APY on a 12-month relationship CD for ZIP 14202, as of October 22, 2026.
What is the minimum deposit for a KeyBank CD?
The lowest minimum we found is $2,500; jumbo and higher balance tiers start at up to $50,000.
Do KeyBank CD rates depend on where you live?
Rates may depend on location. The best rate was 4.00% APY in all 3 ZIP codes checked.
How does KeyBank's best CD rate compare with Treasury yields?
4.00% APY is −0.57% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.3 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 KeyBank CDs insured?
KeyBank is an FDIC-insured bank (FDIC 17534). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check KeyBank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from KeyBank's website and may change at any time. Confirm terms, minimums and eligibility with KeyBank before opening an account. This page is not financial advice.