# Mid America Bank CD rates

As of October 23, 2026, Mid America Bank's highest tracked CD rate is 4.20% APY on a 34-month promotional CD ($10,000 minimum). That is 3.0 times the FDIC national average for 36-month CDs (1.39%).

Canonical page: https://apyledger.com/cd-rates/mid-america-bank
Institution: Mid America Bank (FDIC 11459)
Aliases: 
Status: live
Last verified: 2026-10-23T11:34:29.000Z (October 23, 2026)
Official source: https://www.midambk.com/personal-banking/certificates-of-deposit
Coverage: Advertised personal CD specials require $10,000; the general $1,000 CD opening minimum does not qualify for these special APYs. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| CD Special | promotional | 7 months | $10,000 | 4.10% | Not ZIP-priced | −0.26% | 2026-10-23T11:34:29.000Z | [Snapshot 1016](https://apyledger.com/snapshots/1016) |
| CD Special | promotional | 15 months | $10,000 | 4.15% | Not ZIP-priced | −0.37% | 2026-10-23T11:34:29.000Z | [Snapshot 1016](https://apyledger.com/snapshots/1016) |
| CD Special | promotional | 25 months | $10,000 | 4.18% | Not ZIP-priced | −0.53% | 2026-10-23T11:34:29.000Z | [Snapshot 1016](https://apyledger.com/snapshots/1016) |
| CD Special | promotional | 34 months | $10,000 | 4.20% | Not ZIP-priced | −0.56% | 2026-10-23T11:34:29.000Z | [Snapshot 1016](https://apyledger.com/snapshots/1016) |

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.