# Midwest BankCentre CD rates

As of October 22, 2026, Midwest BankCentre's highest tracked CD rate is 4.25% APY on an 18-month CD ($1,000 minimum). That is 2.7 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 1.00% to 4.25% APY.

Canonical page: https://apyledger.com/cd-rates/midwest-bankcentre
Institution: Midwest BankCentre (FDIC 1058)
Aliases: 
Status: live
Last verified: 2026-10-22T16:23:34.000Z (October 22, 2026)
Official source: https://www.midwestbankcentre.com/personal-banking/personal-cds/
Coverage: Published personal CD rates from 3 to 60 months and a 7-month No Penalty CD; $1,000 to open and earn the APY. Early withdrawal penalties may apply on other terms.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Traditional CD | standard | 3 months | $1,000 | 1.00% | Not ZIP-priced | −3.29% | 2026-10-22T16:23:34.000Z | [Snapshot 381](https://apyledger.com/snapshots/381) |
| Traditional CD | standard | 6 months | $1,000 | 3.51% | Not ZIP-priced | −0.89% | 2026-10-22T16:23:34.000Z | [Snapshot 381](https://apyledger.com/snapshots/381) |
| No Penalty CD | standard | 7 months | $1,000 | 3.25% | Not ZIP-priced | −1.18% | 2026-10-22T16:23:34.000Z | [Snapshot 381](https://apyledger.com/snapshots/381) |
| Traditional CD | standard | 12 months | $1,000 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-22T16:23:34.000Z | [Snapshot 381](https://apyledger.com/snapshots/381) |
| Traditional CD | standard | 13 months | $1,000 | 3.00% | Not ZIP-priced | −1.60% | 2026-10-22T16:23:34.000Z | [Snapshot 381](https://apyledger.com/snapshots/381) |
| Traditional CD | standard | 15 months | $1,000 | 2.75% | Not ZIP-priced | −1.90% | 2026-10-22T16:23:34.000Z | [Snapshot 381](https://apyledger.com/snapshots/381) |
| Traditional CD | standard | 18 months | $1,000 | 4.25% | Not ZIP-priced | −0.47% | 2026-10-22T16:23:34.000Z | [Snapshot 381](https://apyledger.com/snapshots/381) |
| Traditional CD | standard | 24 months | $1,000 | 4.25% | Not ZIP-priced | −0.62% | 2026-10-22T16:23:34.000Z | [Snapshot 381](https://apyledger.com/snapshots/381) |
| Traditional CD | standard | 36 months | $1,000 | 2.25% | Not ZIP-priced | −2.70% | 2026-10-22T16:23:34.000Z | [Snapshot 381](https://apyledger.com/snapshots/381) |
| Traditional CD | standard | 48 months | $1,000 | 2.50% | Not ZIP-priced | −2.48% | 2026-10-22T16:23:34.000Z | [Snapshot 381](https://apyledger.com/snapshots/381) |
| Traditional CD | standard | 60 months | $1,000 | 2.55% | Not ZIP-priced | −2.46% | 2026-10-22T16:23:34.000Z | [Snapshot 381](https://apyledger.com/snapshots/381) |

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.