# Monet Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/monet-bank
Institution: Monet Bank (FDIC 32574)
Aliases: 
Status: live
Last verified: 2026-10-23T03:02:16.000Z (October 22, 2026)
Official source: https://www.monet.bank/online-deposit-rates
Coverage: Online CDs from 3 to 60 months. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 3 months | $25,000 | 3.85% | Not ZIP-priced | −0.44% | 2026-10-23T03:02:16.000Z | [Snapshot 924](https://apyledger.com/snapshots/924) |
| Certificate of Deposit | standard | 6 months | $25,000 | 3.75% | Not ZIP-priced | −0.65% | 2026-10-23T03:02:16.000Z | [Snapshot 924](https://apyledger.com/snapshots/924) |
| Certificate of Deposit | standard | 9 months | $25,000 | 3.70% | Not ZIP-priced | −0.78% | 2026-10-23T03:02:16.000Z | [Snapshot 924](https://apyledger.com/snapshots/924) |
| Certificate of Deposit | standard | 12 months | $25,000 | 3.70% | Not ZIP-priced | −0.87% | 2026-10-23T03:02:16.000Z | [Snapshot 924](https://apyledger.com/snapshots/924) |
| Certificate of Deposit | standard | 18 months | $25,000 | 3.60% | Not ZIP-priced | −1.12% | 2026-10-23T03:02:16.000Z | [Snapshot 924](https://apyledger.com/snapshots/924) |
| Certificate of Deposit | standard | 24 months | $25,000 | 3.45% | Not ZIP-priced | −1.42% | 2026-10-23T03:02:16.000Z | [Snapshot 924](https://apyledger.com/snapshots/924) |
| Certificate of Deposit | standard | 30 months | $25,000 | 3.45% | Not ZIP-priced | −1.46% | 2026-10-23T03:02:16.000Z | [Snapshot 924](https://apyledger.com/snapshots/924) |
| Certificate of Deposit | standard | 36 months | $25,000 | 3.40% | Not ZIP-priced | −1.55% | 2026-10-23T03:02:16.000Z | [Snapshot 924](https://apyledger.com/snapshots/924) |
| Certificate of Deposit | standard | 48 months | $25,000 | 3.40% | Not ZIP-priced | −1.58% | 2026-10-23T03:02:16.000Z | [Snapshot 924](https://apyledger.com/snapshots/924) |
| Certificate of Deposit | standard | 60 months | $25,000 | 3.40% | Not ZIP-priced | −1.61% | 2026-10-23T03:02:16.000Z | [Snapshot 924](https://apyledger.com/snapshots/924) |

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.