Leader Bank CD Rates — October 2026
As of October 23, 2026, Leader Bank's highest tracked CD rate is 4.35% APY on a 15-month promotional CD ($1,000 minimum). That is 2.5 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 4.20% to 4.35% APY.
Rates last changed .
Leader Bank CD rates
Personal CDs have a $1,000 minimum and a $250,000 maximum. The Homeowner CD requires new money, has a $100,000 maximum and one CD per household; its separate mortgage closing bonus is not an APY quote. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | 6-Month CD | $1,000 | 4.20%Free rate alert | −0.14% | Top 7% of tracked 6-month CDs · Verified October 23, 2026 |
| 6 months | Homeowner CD Special | $1,000 | 4.00%Free rate alert | −0.34% | Top 20% of tracked 6-month CDs · Verified October 23, 2026 |
| 12 months | 12-Month CD Promotional | $1,000 | 4.25%Free rate alert | −0.21% | Top 12% of tracked 12-month CDs · Verified October 23, 2026 |
| 15 months | 15-Month CD Promotional | $1,000 | 4.35%Free rate alert | −0.17% | Verified October 23, 2026 |
| 18 months | 18-Month CD | $1,000 | 4.35%Free rate alert | −0.23% | Top 8% of tracked 18-month CDs · Verified October 23, 2026 |
| 24 months | 24-Month CD Promotional | $1,000 | 4.35%Free rate alert | −0.35% | Top 8% of tracked 24-month CDs · Verified October 23, 2026 |
| 36 months | 3-Year CD | $1,000 | 4.35%Free rate alert | −0.43% | Top 8% of tracked 36-month CDs · Verified October 23, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Leader Bank's best CD rates by term?
Leader Bank's best rate is 4.35% APY on 15 months, verified October 23, 2026.
- 6 mo4.20%
- 12 mo4.25%
- 15 mo4.35%
- 18 mo4.35%
- 24 mo4.35%
- 36 mo4.35%
How much interest could a Leader Bank CD earn?
Estimated interest at maturity for the displayed institution 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.
$546.37 interest · $10,546.37 at maturity on $10,000.00.
4.35% APY · 15 months · 15-Month CD · Promotional · verified October 23, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $104.214.20% APY · 6-Month CD · Standard | $208.424.20% APY · 6-Month CD · Standard | $521.044.20% APY · 6-Month CD · Standard | $1,042.084.20% APY · 6-Month CD · Standard |
| 12 months | $212.504.25% APY · 12-Month CD · Promotional | $425.004.25% APY · 12-Month CD · Promotional | $1,062.504.25% APY · 12-Month CD · Promotional | $2,125.004.25% APY · 12-Month CD · Promotional |
| 15 months | $273.184.35% APY · 15-Month CD · Promotional | $546.374.35% APY · 15-Month CD · Promotional | $1,365.924.35% APY · 15-Month CD · Promotional | $2,731.844.35% APY · 15-Month CD · Promotional |
| 18 months | $330.084.35% APY · 18-Month CD · Standard | $660.174.35% APY · 18-Month CD · Standard | $1,650.424.35% APY · 18-Month CD · Standard | $3,300.844.35% APY · 18-Month CD · Standard |
| 24 months | $444.464.35% APY · 24-Month CD · Promotional | $888.924.35% APY · 24-Month CD · Promotional | $2,222.314.35% APY · 24-Month CD · Promotional | $4,444.614.35% APY · 24-Month CD · Promotional |
| 36 months | $681.304.35% APY · 3-Year CD · Standard | $1,362.594.35% APY · 3-Year CD · Standard | $3,406.484.35% APY · 3-Year CD · Standard | $6,812.954.35% APY · 3-Year CD · Standard |
How Leader Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 456-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 13 of 90 tracked institutions with fresh 456-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 | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Leader Bank (this institution)15-Month CD · Promotional | 15 months | $1,000 | Branches in MA | 4.35% | October 23, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 15 months | $2,500 | Available nationwide | 4.50% | October 22, 2026 |
| The Village BankCD · Standard | 15 months | $500 | Branches in MA | 4.50% | October 22, 2026 |
| Metro Credit Union (Massachusetts)New Money CD · Special | 15 months | $500 | Membership required · branches in MA | 4.40% | October 22, 2026 |
| Community First Credit Union (highest tracked APY for this term)CD Special: Pick Your Term · Promotional | 15 months | $5,000 | Membership required · branches in WI | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 15 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.52% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
- Homeowner CD 6 months ($1,000+): added at 4.00%
- Homeowner CD 6 months ($1,000+): withdrawn (was 4.00%)
About Leader Bank
- Legal name
- Leader Bank, National Association
- Regulator ID
- FDIC 57134
- Headquarters
- Arlington, MA
- Available in
- MA
- Also known as
- Website
- www.leaderbank.com
Source: rates read from https://www.leaderbank.com/personal/cds. See the page text we read.
Frequently asked questions
What is the highest CD rate at Leader Bank?
Among the rates we track, 4.35% APY on a 15-month promotional CD, as of October 23, 2026.
What is the minimum deposit for a Leader Bank CD?
The lowest minimum we found is $1,000.
How does Leader Bank's best CD rate compare with Treasury yields?
4.35% APY is −0.17% versus the 15-month Treasury yield of 4.52% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.35% a good CD rate?
It is 2.5 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 Leader Bank CDs insured?
Leader Bank is an FDIC-insured bank (FDIC 57134). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Leader Bank's rate page every day. The rates above were last verified on October 23, 2026.
More bank CD rates
Rates are copied from Leader Bank's website and may change at any time. Confirm terms, minimums and eligibility with Leader Bank before opening an account. This page is not financial advice.