# Leader Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/leader-bank
Institution: Leader Bank, National Association (FDIC 57134)
Aliases: 
Status: live
Last verified: 2026-10-23T11:29:46.000Z (October 23, 2026)
Official source: https://www.leaderbank.com/personal/cds
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 6-Month CD | standard | 6 months | $1,000 | 4.20% | Not ZIP-priced | −0.14% | 2026-10-23T11:29:46.000Z | [Snapshot 989](https://apyledger.com/snapshots/989) |
| Homeowner CD | special | 6 months | $1,000 | 4.00% | Not ZIP-priced | −0.34% | 2026-10-23T11:29:46.000Z | [Snapshot 989](https://apyledger.com/snapshots/989) |
| 12-Month CD | promotional | 12 months | $1,000 | 4.25% | Not ZIP-priced | −0.21% | 2026-10-23T11:29:46.000Z | [Snapshot 989](https://apyledger.com/snapshots/989) |
| 15-Month CD | promotional | 15 months | $1,000 | 4.35% | Not ZIP-priced | −0.17% | 2026-10-23T11:29:46.000Z | [Snapshot 989](https://apyledger.com/snapshots/989) |
| 18-Month CD | standard | 18 months | $1,000 | 4.35% | Not ZIP-priced | −0.23% | 2026-10-23T11:29:46.000Z | [Snapshot 989](https://apyledger.com/snapshots/989) |
| 24-Month CD | promotional | 24 months | $1,000 | 4.35% | Not ZIP-priced | −0.35% | 2026-10-23T11:29:46.000Z | [Snapshot 989](https://apyledger.com/snapshots/989) |
| 3-Year CD | standard | 36 months | $1,000 | 4.35% | Not ZIP-priced | −0.43% | 2026-10-23T11:29:46.000Z | [Snapshot 989](https://apyledger.com/snapshots/989) |

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.