# Montgomery Bank CD rates

As of October 22, 2026, Montgomery Bank's highest tracked CD rate is 3.75% APY on a 13-month promotional CD ($1,000 minimum). That is 2.1 times the FDIC national average for 12-month CDs (1.76%).

Canonical page: https://apyledger.com/cd-rates/montgomery-bank
Institution: Montgomery Bank (FDIC 8255)
Aliases: 
Status: live
Last verified: 2026-10-23T03:20:09.000Z (October 22, 2026)
Official source: https://www.montgomerybank.com/rates/account-rates
Coverage: CDs from 3 months to 5 years, including a 13-month CD. 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 | promotional | 3 months | $1,000 | 3.25% | Not ZIP-priced | −1.04% | 2026-10-23T03:20:09.000Z | [Snapshot 959](https://apyledger.com/snapshots/959) |
| Certificate of Deposit | promotional | 5 months | $1,000 | 3.25% | Not ZIP-priced | −1.14% | 2026-10-23T03:20:09.000Z | [Snapshot 959](https://apyledger.com/snapshots/959) |
| Certificate of Deposit | promotional | 6 months | $1,000 | 3.51% | Not ZIP-priced | −0.89% | 2026-10-23T03:20:09.000Z | [Snapshot 959](https://apyledger.com/snapshots/959) |
| Certificate of Deposit | promotional | 7 months | $1,000 | 3.25% | Not ZIP-priced | −1.18% | 2026-10-23T03:20:09.000Z | [Snapshot 959](https://apyledger.com/snapshots/959) |
| Certificate of Deposit | promotional | 10 months | $1,000 | 3.25% | Not ZIP-priced | −1.26% | 2026-10-23T03:20:09.000Z | [Snapshot 959](https://apyledger.com/snapshots/959) |
| Certificate of Deposit | promotional | 13 months | $1,000 | 3.75% | Not ZIP-priced | −0.85% | 2026-10-23T03:20:09.000Z | [Snapshot 959](https://apyledger.com/snapshots/959) |
| Certificate of Deposit | promotional | 18 months | $1,000 | 3.25% | Not ZIP-priced | −1.47% | 2026-10-23T03:20:09.000Z | [Snapshot 959](https://apyledger.com/snapshots/959) |
| Certificate of Deposit | promotional | 25 months | $1,000 | 3.25% | Not ZIP-priced | −1.62% | 2026-10-23T03:20:09.000Z | [Snapshot 959](https://apyledger.com/snapshots/959) |
| Certificate of Deposit | promotional | 35 months | $1,000 | 3.25% | Not ZIP-priced | −1.69% | 2026-10-23T03:20:09.000Z | [Snapshot 959](https://apyledger.com/snapshots/959) |
| Certificate of Deposit | promotional | 48 months | $1,000 | 3.25% | Not ZIP-priced | −1.73% | 2026-10-23T03:20:09.000Z | [Snapshot 959](https://apyledger.com/snapshots/959) |
| Certificate of Deposit | promotional | 60 months | $1,000 | 3.25% | Not ZIP-priced | −1.76% | 2026-10-23T03:20:09.000Z | [Snapshot 959](https://apyledger.com/snapshots/959) |

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.