# Open Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/open-bank
Institution: Open Bank (FDIC 57944)
Aliases: 
Status: live
Last verified: 2026-10-22T16:24:01.000Z (October 22, 2026)
Official source: https://myopenbank.com/deposit-interest-rates/
Coverage: 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.
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 | 7 days | $250,000 | 1.51% | Not ZIP-priced | −2.62% | 2026-10-22T16:24:01.000Z | [Snapshot 390](https://apyledger.com/snapshots/390) |
| Certificate of Deposit | standard | 7 days | $1,000 | 1.00% | Not ZIP-priced | −3.13% | 2026-10-22T16:24:01.000Z | [Snapshot 390](https://apyledger.com/snapshots/390) |
| Certificate of Deposit | standard | 30 days | $1,000 | 2.02% | Not ZIP-priced | −2.11% | 2026-10-22T16:24:01.000Z | [Snapshot 390](https://apyledger.com/snapshots/390) |
| Certificate of Deposit | standard | 30 days | $250,000 | 2.02% | Not ZIP-priced | −2.11% | 2026-10-22T16:24:01.000Z | [Snapshot 390](https://apyledger.com/snapshots/390) |
| Certificate of Deposit | standard | 90 days | $1,000 | 3.02% | Not ZIP-priced | −1.27% | 2026-10-22T16:24:01.000Z | [Snapshot 390](https://apyledger.com/snapshots/390) |
| Certificate of Deposit | standard | 90 days | $250,000 | 3.02% | Not ZIP-priced | −1.27% | 2026-10-22T16:24:01.000Z | [Snapshot 390](https://apyledger.com/snapshots/390) |
| Certificate of Deposit | standard | 180 days | $1,000 | 3.50% | Not ZIP-priced | −0.90% | 2026-10-22T16:24:01.000Z | [Snapshot 390](https://apyledger.com/snapshots/390) |
| Certificate of Deposit | standard | 180 days | $250,000 | 3.50% | Not ZIP-priced | −0.90% | 2026-10-22T16:24:01.000Z | [Snapshot 390](https://apyledger.com/snapshots/390) |
| Certificate of Deposit | standard | 365 days | $1,000 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-22T16:24:01.000Z | [Snapshot 390](https://apyledger.com/snapshots/390) |
| Certificate of Deposit | standard | 365 days | $250,000 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-22T16:24:01.000Z | [Snapshot 390](https://apyledger.com/snapshots/390) |
| Certificate of Deposit | standard | 396 days | $1,000 | 3.25% | Not ZIP-priced | −1.35% | 2026-10-22T16:24:01.000Z | [Snapshot 390](https://apyledger.com/snapshots/390) |
| Certificate of Deposit | standard | 396 days | $250,000 | 3.25% | Not ZIP-priced | −1.35% | 2026-10-22T16:24:01.000Z | [Snapshot 390](https://apyledger.com/snapshots/390) |
| Certificate of Deposit | standard | 548 days | $1,000 | 3.00% | Not ZIP-priced | −1.72% | 2026-10-22T16:24:01.000Z | [Snapshot 390](https://apyledger.com/snapshots/390) |
| Certificate of Deposit | standard | 548 days | $250,000 | 3.00% | Not ZIP-priced | −1.72% | 2026-10-22T16:24:01.000Z | [Snapshot 390](https://apyledger.com/snapshots/390) |

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.