# Pathfinder Bank CD rates

As of October 22, 2026, Pathfinder Bank's highest tracked CD rate is 4.15% APY on an 18-month relationship CD ($100,000 minimum). That is 2.7 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 0.80% to 1.10% APY.

Canonical page: https://apyledger.com/cd-rates/pathfinder-bank
Institution: Pathfinder Bank (FDIC 57497)
Aliases: 
Status: live
Last verified: 2026-10-23T03:20:26.000Z (October 22, 2026)
Official source: https://www.pathfinderbank.com/choose-a-cd-term.html
Coverage: 6- and 18-month CD specials and standard CDs from 1 to 4 years with a $1,000 minimum. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 6 Month CD Special | relationship | 6 months | $100,000 | 4.00% | Not ZIP-priced | −0.40% | 2026-10-23T03:20:26.000Z | [Snapshot 965](https://apyledger.com/snapshots/965) |
| 6 Month CD Special | relationship | 6 months | $1,000 | 3.90% | Not ZIP-priced | −0.50% | 2026-10-23T03:20:26.000Z | [Snapshot 965](https://apyledger.com/snapshots/965) |
| 6 Month CD Special | promotional | 6 months | $100,000 | 3.65% | Not ZIP-priced | −0.75% | 2026-10-23T03:20:26.000Z | [Snapshot 965](https://apyledger.com/snapshots/965) |
| 6 Month CD Special | promotional | 6 months | $1,000 | 3.40% | Not ZIP-priced | −1.00% | 2026-10-23T03:20:26.000Z | [Snapshot 965](https://apyledger.com/snapshots/965) |
| 1 Year CD | standard | 12 months | $1,000 | 0.80% | Not ZIP-priced | −3.77% | 2026-10-23T03:20:26.000Z | [Snapshot 965](https://apyledger.com/snapshots/965) |
| 18 Month CD Special | relationship | 18 months | $100,000 | 4.15% | Not ZIP-priced | −0.57% | 2026-10-23T03:20:26.000Z | [Snapshot 965](https://apyledger.com/snapshots/965) |
| 18 Month CD Special | relationship | 18 months | $1,000 | 4.05% | Not ZIP-priced | −0.67% | 2026-10-23T03:20:26.000Z | [Snapshot 965](https://apyledger.com/snapshots/965) |
| 18 Month CD Special | promotional | 18 months | $100,000 | 3.80% | Not ZIP-priced | −0.92% | 2026-10-23T03:20:26.000Z | [Snapshot 965](https://apyledger.com/snapshots/965) |
| 18 Month CD Special | promotional | 18 months | $1,000 | 3.55% | Not ZIP-priced | −1.17% | 2026-10-23T03:20:26.000Z | [Snapshot 965](https://apyledger.com/snapshots/965) |
| 2 Year CD | standard | 24 months | $1,000 | 0.95% | Not ZIP-priced | −3.92% | 2026-10-23T03:20:26.000Z | [Snapshot 965](https://apyledger.com/snapshots/965) |
| 3 Year CD | standard | 36 months | $1,000 | 1.05% | Not ZIP-priced | −3.90% | 2026-10-23T03:20:26.000Z | [Snapshot 965](https://apyledger.com/snapshots/965) |
| 4 Year CD | standard | 48 months | $1,000 | 1.10% | Not ZIP-priced | −3.88% | 2026-10-23T03:20:26.000Z | [Snapshot 965](https://apyledger.com/snapshots/965) |

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.