# Port Washington State Bank CD rates

As of October 22, 2026, Port Washington State Bank's highest tracked CD rate is 4.15% APY on an 18-month promotional CD ($1,000 minimum). That is 2.7 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 0.50% to 2.25% APY.

Canonical page: https://apyledger.com/cd-rates/port-washington-state-bank
Institution: The Port Washington State Bank (FDIC 8698)
Aliases: 
Status: live
Last verified: 2026-10-23T03:20:34.000Z (October 22, 2026)
Official source: https://pwsb.bank/certificate-of-deposit-cd.html
Coverage: 9- and 18-month CD specials and standard CDs from 90 days to 5 years with a $1,000 minimum; 1- to 5-year rates are higher from $10,000. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 90-Day CD | standard | 90 days | $1,000 | 0.50% | Not ZIP-priced | −3.79% | 2026-10-23T03:20:34.000Z | [Snapshot 966](https://apyledger.com/snapshots/966) |
| 182-Day CD | standard | 182 days | $1,000 | 0.75% | Not ZIP-priced | −3.65% | 2026-10-23T03:20:34.000Z | [Snapshot 966](https://apyledger.com/snapshots/966) |
| 9-Month CD Special | promotional | 9 months | $1,000 | 3.82% | Not ZIP-priced | −0.66% | 2026-10-23T03:20:34.000Z | [Snapshot 966](https://apyledger.com/snapshots/966) |
| 1-Year CD | standard | 12 months | $10,000 | 2.25% | Not ZIP-priced | −2.32% | 2026-10-23T03:20:34.000Z | [Snapshot 966](https://apyledger.com/snapshots/966) |
| 1-Year CD | standard | 12 months | $1,000 | 2.15% | Not ZIP-priced | −2.42% | 2026-10-23T03:20:34.000Z | [Snapshot 966](https://apyledger.com/snapshots/966) |
| 18-Month CD Special | promotional | 18 months | $1,000 | 4.15% | Not ZIP-priced | −0.57% | 2026-10-23T03:20:34.000Z | [Snapshot 966](https://apyledger.com/snapshots/966) |
| 2-Year CD | standard | 24 months | $10,000 | 2.25% | Not ZIP-priced | −2.62% | 2026-10-23T03:20:34.000Z | [Snapshot 966](https://apyledger.com/snapshots/966) |
| 2-Year CD | standard | 24 months | $1,000 | 2.15% | Not ZIP-priced | −2.72% | 2026-10-23T03:20:34.000Z | [Snapshot 966](https://apyledger.com/snapshots/966) |
| 3-Year CD | standard | 36 months | $10,000 | 2.25% | Not ZIP-priced | −2.70% | 2026-10-23T03:20:34.000Z | [Snapshot 966](https://apyledger.com/snapshots/966) |
| 3-Year CD | standard | 36 months | $1,000 | 2.15% | Not ZIP-priced | −2.80% | 2026-10-23T03:20:34.000Z | [Snapshot 966](https://apyledger.com/snapshots/966) |
| 4-Year CD | standard | 48 months | $10,000 | 2.25% | Not ZIP-priced | −2.73% | 2026-10-23T03:20:34.000Z | [Snapshot 966](https://apyledger.com/snapshots/966) |
| 4-Year CD | standard | 48 months | $1,000 | 2.15% | Not ZIP-priced | −2.83% | 2026-10-23T03:20:34.000Z | [Snapshot 966](https://apyledger.com/snapshots/966) |
| 5-Year CD | standard | 60 months | $10,000 | 2.25% | Not ZIP-priced | −2.76% | 2026-10-23T03:20:34.000Z | [Snapshot 966](https://apyledger.com/snapshots/966) |
| 5-Year CD | standard | 60 months | $1,000 | 2.15% | Not ZIP-priced | −2.86% | 2026-10-23T03:20:34.000Z | [Snapshot 966](https://apyledger.com/snapshots/966) |

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.