Monet Bank CD Rates — October 2026
As of October 22, 2026, Monet Bank's highest tracked CD rate is 3.85% APY on a 3-month CD ($25,000 minimum). That is 3.4 times the FDIC national average for 3-month CDs (1.14%). Standard CD rates range from 3.40% to 3.85% APY.
Tracking began .
Monet Bank CD rates
Online CDs from 3 to 60 months. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Certificate of Deposit | $25,000 | 3.85% | −0.44% | Verified October 22, 2026 |
| 6 months | Certificate of Deposit | $25,000 | 3.75% | −0.65% | Verified October 22, 2026 |
| 9 months | Certificate of Deposit | $25,000 | 3.70% | −0.78% | Verified October 22, 2026 |
| 12 months | Certificate of Deposit | $25,000 | 3.70% | −0.87% | Verified October 22, 2026 |
| 18 months | Certificate of Deposit | $25,000 | 3.60% | −1.12% | Verified October 22, 2026 |
| 24 months | Certificate of Deposit | $25,000 | 3.45% | −1.42% | Verified October 22, 2026 |
| 30 months | Certificate of Deposit | $25,000 | 3.45% | −1.46% | Verified October 22, 2026 |
| 36 months | Certificate of Deposit | $25,000 | 3.40% | −1.55% | Verified October 22, 2026 |
| 48 months | Certificate of Deposit | $25,000 | 3.40% | −1.58% | Verified October 22, 2026 |
| 60 months | Certificate of Deposit | $25,000 | 3.40% | −1.61% | Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Monet Bank's best CD rates by term?
Monet Bank's best rate is 3.85% APY on 3 months, verified October 22, 2026.
- 3 mo3.85%
- 6 mo3.75%
- 9 mo3.70%
- 12 mo3.70%
- 18 mo3.60%
- 24 mo3.45%
- 30 mo3.45%
- 36 mo3.40%
- 48 mo3.40%
- 60 mo3.40%
How much interest could a Monet 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.
No unambiguous quoted balance tier applies to this amount and term. Check the institution's terms or choose another deposit.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | Not estimated | Not estimated | $236.573.85% APY · Certificate of Deposit · Standard | $473.153.85% APY · Certificate of Deposit · Standard |
| 6 months | Not estimated | Not estimated | $465.723.75% APY · Certificate of Deposit · Standard | $931.443.75% APY · Certificate of Deposit · Standard |
| 9 months | Not estimated | Not estimated | $691.233.70% APY · Certificate of Deposit · Standard | $1,382.463.70% APY · Certificate of Deposit · Standard |
| 12 months | Not estimated | Not estimated | $925.003.70% APY · Certificate of Deposit · Standard | $1,850.003.70% APY · Certificate of Deposit · Standard |
| 18 months | Not estimated | Not estimated | $1,363.363.60% APY · Certificate of Deposit · Standard | $2,726.713.60% APY · Certificate of Deposit · Standard |
| 24 months | Not estimated | Not estimated | $1,754.763.45% APY · Certificate of Deposit · Standard | $3,509.513.45% APY · Certificate of Deposit · Standard |
| 30 months | Not estimated | Not estimated | $2,213.633.45% APY · Certificate of Deposit · Standard | $4,427.253.45% APY · Certificate of Deposit · Standard |
| 36 months | Not estimated | Not estimated | $2,637.683.40% APY · Certificate of Deposit · Standard | $5,275.373.40% APY · Certificate of Deposit · Standard |
| 48 months | Not estimated | Not estimated | $3,577.363.40% APY · Certificate of Deposit · Standard | $7,154.733.40% APY · Certificate of Deposit · Standard |
| 60 months | Not estimated | Not estimated | $4,548.993.40% APY · Certificate of Deposit · Standard | $9,097.993.40% APY · Certificate of Deposit · Standard |
How Monet Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 91-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 22 of 258 tracked institutions with fresh 91-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 |
|---|---|---|---|---|---|
| Monet Bank (this institution)Certificate of Deposit · Standard | 3 months | $25,000 | Branches in CA, OH, TX | 3.85% | October 22, 2026 |
| Popular DirectCD · Standard | 3 months | $10,000 | Available nationwide | 4.30% | October 22, 2026 |
| Poppy Bank3-Month CD · Standard | 3 months | $1,000 | Branches in CA | 4.25% | October 22, 2026 |
| Bask BankCertificate of Deposit · Standard | 3 months | $1,000 | Available nationwide | 4.10% | October 22, 2026 |
| Newtek Bank (highest tracked APY for this term)Certificate of Deposit · Standard | 3 months | $2,500 | Branches in FL | 4.60% | October 22, 2026 |
| Treasury (APY-equivalent) | 3 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.29% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Monet Bank on October 22, 2026.
About Monet Bank
- Legal name
- Monet Bank
- Regulator ID
- FDIC 32574
- Headquarters
- Plano, TX
- Available in
- CA, OH, TX
- Total assets
- $3.2 billion
- Also known as
- Website
- www.monet.bank
Source: rates read from https://www.monet.bank/online-deposit-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Monet Bank?
Among the rates we track, 3.85% APY on a 3-month CD, as of October 22, 2026.
What is the minimum deposit for a Monet Bank CD?
The lowest minimum we found is $25,000.
How does Monet Bank's best CD rate compare with Treasury yields?
3.85% APY is −0.44% versus the 3-month Treasury yield of 4.29% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.85% a good CD rate?
It is 3.4 times the FDIC national average for a similar term (1.14% 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 Monet Bank CDs insured?
Monet Bank is an FDIC-insured bank (FDIC 32574). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Monet Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Monet Bank's website and may change at any time. Confirm terms, minimums and eligibility with Monet Bank before opening an account. This page is not financial advice.