# Manasquan Bank CD rates

As of October 22, 2026, Manasquan Bank's highest tracked CD rate is 4.00% APY on a 24-month CD ($500 minimum). That is 2.6 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 2.50% to 4.00% APY.

Canonical page: https://apyledger.com/cd-rates/manasquan-bank
Institution: Manasquan Bank (FDIC 30470)
Aliases: 
Status: live
Last verified: 2026-10-22T16:23:20.000Z (October 22, 2026)
Official source: https://manasquan.bank/personal-banking/rates
Coverage: Published personal CD rates, including the 14-month special; $500 to open and to earn the APY. IRA certificates are excluded. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| CD | standard | 182 days | $500 | 2.50% | Not ZIP-priced | −1.90% | 2026-10-22T16:23:20.000Z | [Snapshot 376](https://apyledger.com/snapshots/376) |
| CD | standard | 12 months | $500 | 3.25% | Not ZIP-priced | −1.32% | 2026-10-22T16:23:20.000Z | [Snapshot 376](https://apyledger.com/snapshots/376) |
| 14 Month Special | promotional | 14 months | $500 | 3.75% | Not ZIP-priced | −0.87% | 2026-10-22T16:23:20.000Z | [Snapshot 376](https://apyledger.com/snapshots/376) |
| CD | standard | 18 months | $500 | 3.80% | Not ZIP-priced | −0.92% | 2026-10-22T16:23:20.000Z | [Snapshot 376](https://apyledger.com/snapshots/376) |
| CD | standard | 24 months | $500 | 4.00% | Not ZIP-priced | −0.87% | 2026-10-22T16:23:20.000Z | [Snapshot 376](https://apyledger.com/snapshots/376) |
| CD | standard | 36 months | $500 | 3.00% | Not ZIP-priced | −1.95% | 2026-10-22T16:23:20.000Z | [Snapshot 376](https://apyledger.com/snapshots/376) |
| CD | standard | 60 months | $500 | 3.00% | Not ZIP-priced | −2.01% | 2026-10-22T16:23:20.000Z | [Snapshot 376](https://apyledger.com/snapshots/376) |
| CD | standard | 84 months | $500 | 3.00% | Not ZIP-priced | −2.09% | 2026-10-22T16:23:20.000Z | [Snapshot 376](https://apyledger.com/snapshots/376) |

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.