Open Bank CD Rates — October 2026
As of October 22, 2026, Open Bank's highest tracked CD rate is 3.75% APY on a 365-day CD ($1,000 minimum). That is 2.1 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 1.00% to 3.75% APY.
Tracking began .
Open Bank CD rates
Personal certificates of deposit from 7 days to 729 days, with a $1,000 minimum opening balance and separate rates for balances up to $250,000 and above $250,000. Term ranges are shown at their lower bound. Installment CDs are excluded. Early withdrawal penalties may apply.
| Term | Product | APY |
|---|---|---|
| 7 days | Certificate of Deposit | 1.51%Verified October 22, 2026 |
| 7 days | Certificate of Deposit | 1.00%Verified October 22, 2026 |
| 30 days | Certificate of Deposit | 2.02%Verified October 22, 2026 |
| 90 days | Certificate of Deposit | 3.02%Verified October 22, 2026 |
| 180 days | Certificate of Deposit | 3.50%Verified October 22, 2026 |
| 365 days | Certificate of Deposit | 3.75%Top 47% · $10k reference sampleVerified October 22, 2026 |
| 396 days | Certificate of Deposit | 3.25%Verified October 22, 2026 |
| 548 days | Certificate of Deposit | 3.00%Top 72% · $10k reference sampleVerified 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 Open Bank's best CD rates by term?
Open Bank's best rate is 3.75% APY on 365 days, verified October 22, 2026.
- 7 days1.51%
- 30 days2.02%
- 90 days3.02%
- 180 days3.50%
- 365 days3.75%
- 396 days3.25%
- 548 days3.00%
How much interest could a Open 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.
$375.00 interest · $10,375.00 at maturity on $10,000.00.
3.75% APY · 365 days · Certificate of Deposit · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 7 days | $0.951.00% APY · Certificate of Deposit · Standard | $1.911.00% APY · Certificate of Deposit · Standard | $4.771.00% APY · Certificate of Deposit · Standard | $9.541.00% APY · Certificate of Deposit · Standard |
| 30 days | $8.232.02% APY · Certificate of Deposit · Standard | $16.452.02% APY · Certificate of Deposit · Standard | $41.132.02% APY · Certificate of Deposit · Standard | $82.252.02% APY · Certificate of Deposit · Standard |
| 90 days | $36.823.02% APY · Certificate of Deposit · Standard | $73.633.02% APY · Certificate of Deposit · Standard | $184.083.02% APY · Certificate of Deposit · Standard | $368.173.02% APY · Certificate of Deposit · Standard |
| 180 days | $85.553.50% APY · Certificate of Deposit · Standard | $171.103.50% APY · Certificate of Deposit · Standard | $427.753.50% APY · Certificate of Deposit · Standard | $855.493.50% APY · Certificate of Deposit · Standard |
| 365 days | $187.503.75% APY · Certificate of Deposit · Standard | $375.003.75% APY · Certificate of Deposit · Standard | $937.503.75% APY · Certificate of Deposit · Standard | $1,875.003.75% APY · Certificate of Deposit · Standard |
| 396 days | $176.543.25% APY · Certificate of Deposit · Standard | $353.083.25% APY · Certificate of Deposit · Standard | $882.713.25% APY · Certificate of Deposit · Standard | $1,765.423.25% APY · Certificate of Deposit · Standard |
| 548 days | $226.893.00% APY · Certificate of Deposit · Standard | $453.783.00% APY · Certificate of Deposit · Standard | $1,134.453.00% APY · Certificate of Deposit · Standard | $2,268.913.00% APY · Certificate of Deposit · Standard |
How Open Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 106 of 233 tracked institutions with fresh 365-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 | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Open Bank (this institution)Certificate of Deposit · Standard | 365 days | $1,000 | Coverage: CA, CO, GA, NV, TX, WA | 3.75% | October 22, 2026 |
| T Bank (Dallas)CD · Standard | 12 months | $1,000 | Coverage: TX | 4.70% | October 22, 2026 |
| Neches Federal Credit UnionCertificate Rates ($100,000 minimum balance) · Standard | 12 months | $100,000 | Coverage: TX | 4.65% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 12 months | $10,000 | Nationwide; check eligibility | 4.60% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Coverage: NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 365 days (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Open Bank on October 22, 2026.
About Open Bank
- Legal name
- Open Bank
- Regulator ID
- FDIC 57944
- Headquarters
- Los Angeles, CA
- Available in
- CA, CO, GA, NV, TX, WA
- Total assets
- $2.8 billion
- Also known as
- Website
- www.myopenbank.com
Source: rates read from https://myopenbank.com/deposit-interest-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Open Bank?
Among the rates we track, 3.75% APY on a 365-day CD, as of October 22, 2026.
What is the minimum deposit for a Open Bank CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $250,000.
How does Open Bank's best CD rate compare with Treasury yields?
3.75% APY is −0.82% versus the 365-day Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.75% a good CD rate?
It is 2.1 times the FDIC national average for a similar term (1.76% 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 Open Bank CDs insured?
Open Bank is an FDIC-insured bank (FDIC 57944). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Open Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Open Bank's website and may change at any time. Confirm terms, minimums and eligibility with Open Bank before opening an account. This page is not financial advice.