# Newtek Bank CD rates

As of October 22, 2026, Newtek Bank's highest tracked CD rate is 5.00% APY on a 24-month promotional CD ($50,000 minimum). That is 3.2 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 2.00% to 4.60% APY.

Canonical page: https://apyledger.com/cd-rates/newtek-bank
Institution: Newtek Bank, National Association (FDIC 18734)
Aliases: Newtek
Status: live
Last verified: 2026-10-22T12:05:07.000Z (October 22, 2026)
Official source: https://www.newtekbank.com/certificate-of-deposit/
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 | 1 month | $2,500 | 4.60% | Not ZIP-priced | +0.47% | 2026-10-22T12:05:07.000Z | [Snapshot 264](https://apyledger.com/snapshots/264) |
| Certificate of Deposit | standard | 3 months | $2,500 | 4.60% | Not ZIP-priced | +0.30% | 2026-10-22T12:05:07.000Z | [Snapshot 264](https://apyledger.com/snapshots/264) |
| Certificate of Deposit | promotional | 6 months | $2,500 | 4.30% | Not ZIP-priced | −0.10% | 2026-10-22T12:05:07.000Z | [Snapshot 264](https://apyledger.com/snapshots/264) |
| Certificate of Deposit | promotional | 9 months | $2,500 | 4.30% | Not ZIP-priced | −0.18% | 2026-10-22T12:05:07.000Z | [Snapshot 264](https://apyledger.com/snapshots/264) |
| Certificate of Deposit | standard | 12 months | $2,500 | 4.10% | Not ZIP-priced | −0.47% | 2026-10-22T12:05:07.000Z | [Snapshot 264](https://apyledger.com/snapshots/264) |
| Certificate of Deposit | standard | 13 months | $2,500 | 4.30% | Not ZIP-priced | −0.30% | 2026-10-22T12:05:07.000Z | [Snapshot 264](https://apyledger.com/snapshots/264) |
| Certificate of Deposit | standard | 15 months | $2,500 | 4.00% | Not ZIP-priced | −0.65% | 2026-10-22T12:05:07.000Z | [Snapshot 264](https://apyledger.com/snapshots/264) |
| Certificate of Deposit | standard | 18 months | $2,500 | 3.90% | Not ZIP-priced | −0.82% | 2026-10-22T12:05:07.000Z | [Snapshot 264](https://apyledger.com/snapshots/264) |
| 24 Month Variable Rate CD | promotional | 24 months | $50,000 | 5.00% | Not ZIP-priced | +0.13% | 2026-10-22T12:05:07.000Z | [Snapshot 264](https://apyledger.com/snapshots/264) |
| Certificate of Deposit | standard | 24 months | $2,500 | 3.80% | Not ZIP-priced | −1.07% | 2026-10-22T12:05:07.000Z | [Snapshot 264](https://apyledger.com/snapshots/264) |
| Certificate of Deposit | standard | 36 months | $2,500 | 3.80% | Not ZIP-priced | −1.15% | 2026-10-22T12:05:07.000Z | [Snapshot 264](https://apyledger.com/snapshots/264) |
| Certificate of Deposit | standard | 48 months | $2,500 | 2.00% | Not ZIP-priced | −2.98% | 2026-10-22T12:05:07.000Z | [Snapshot 264](https://apyledger.com/snapshots/264) |
| Certificate of Deposit | standard | 60 months | $2,500 | 2.00% | Not ZIP-priced | −3.01% | 2026-10-22T12:05:07.000Z | [Snapshot 264](https://apyledger.com/snapshots/264) |

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.