# MutualOne Bank CD rates

As of October 22, 2026, MutualOne Bank's highest tracked CD rate is 3.56% APY on a 6-month promotional CD ($500 minimum). That is 2.6 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.40% to 2.02% APY.

Canonical page: https://apyledger.com/cd-rates/mutualone-bank
Institution: MutualOne Bank (FDIC 26395)
Aliases: 
Status: live
Last verified: 2026-10-23T01:45:31.000Z (October 22, 2026)
Official source: https://www.mutualone.com/cd-ira-rates/
Coverage: CD specials (3, 6, 9 and 13 months) and standard CDs from 28 days to 61 months; most terms require $500 and the 28-day, 9-month Advantage and 61-month CDs $5,000. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 28 Day CD | standard | 28 days | $5,000 | 0.45% | Not ZIP-priced | −3.68% | 2026-10-23T01:45:31.000Z | [Snapshot 679](https://apyledger.com/snapshots/679) |
| 3 Month CD | promotional | 3 months | $500 | 3.35% | Not ZIP-priced | −0.94% | 2026-10-23T01:45:31.000Z | [Snapshot 679](https://apyledger.com/snapshots/679) |
| 6 Month CD | promotional | 6 months | $500 | 3.56% | Not ZIP-priced | −0.84% | 2026-10-23T01:45:31.000Z | [Snapshot 679](https://apyledger.com/snapshots/679) |
| 7 Month CD | standard | 7 months | $500 | 0.45% | Not ZIP-priced | −3.98% | 2026-10-23T01:45:31.000Z | [Snapshot 679](https://apyledger.com/snapshots/679) |
| 9 Month CD | promotional | 9 months | $500 | 3.46% | Not ZIP-priced | −1.02% | 2026-10-23T01:45:31.000Z | [Snapshot 679](https://apyledger.com/snapshots/679) |
| 9 Month Advantage CD | standard | 9 months | $5,000 | 0.40% | Not ZIP-priced | −4.08% | 2026-10-23T01:45:31.000Z | [Snapshot 679](https://apyledger.com/snapshots/679) |
| 12 Month CD | standard | 12 months | $500 | 0.45% | Not ZIP-priced | −4.12% | 2026-10-23T01:45:31.000Z | [Snapshot 679](https://apyledger.com/snapshots/679) |
| 13 Month CD | standard | 13 months | $500 | 2.02% | Not ZIP-priced | −2.58% | 2026-10-23T01:45:31.000Z | [Snapshot 679](https://apyledger.com/snapshots/679) |
| 18 Month CD | standard | 18 months | $500 | 1.75% | Not ZIP-priced | −2.97% | 2026-10-23T01:45:31.000Z | [Snapshot 679](https://apyledger.com/snapshots/679) |
| 24 Month CD | standard | 24 months | $500 | 1.31% | Not ZIP-priced | −3.56% | 2026-10-23T01:45:31.000Z | [Snapshot 679](https://apyledger.com/snapshots/679) |
| 30 Month CD | standard | 30 months | $500 | 0.50% | Not ZIP-priced | −4.41% | 2026-10-23T01:45:31.000Z | [Snapshot 679](https://apyledger.com/snapshots/679) |
| 36 Month CD | standard | 36 months | $500 | 0.55% | Not ZIP-priced | −4.40% | 2026-10-23T01:45:31.000Z | [Snapshot 679](https://apyledger.com/snapshots/679) |
| 48 Month CD | standard | 48 months | $500 | 0.55% | Not ZIP-priced | −4.43% | 2026-10-23T01:45:31.000Z | [Snapshot 679](https://apyledger.com/snapshots/679) |
| 60 Month CD | standard | 60 months | $500 | 0.55% | Not ZIP-priced | −4.46% | 2026-10-23T01:45:31.000Z | [Snapshot 679](https://apyledger.com/snapshots/679) |
| 61 Month CD | standard | 61 months | $5,000 | 0.55% | Not ZIP-priced | −4.46% | 2026-10-23T01:45:31.000Z | [Snapshot 679](https://apyledger.com/snapshots/679) |

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.