QNB Bank CD Rates — October 2026
As of October 22, 2026, QNB Bank's highest tracked CD rate is 3.00% APY on a 6-month CD ($500 minimum). That is 2.2 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.10% to 3.00% APY.
Tracking began .
QNB Bank CD rates
Growth CDs from 30 days to 60 months with a $500 minimum and a 12-month Flex CD; Income CDs ($5,000 minimum) are opened in branches. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 30 days | Growth CD | $100,000 | 0.10% | −4.03% | Verified October 22, 2026 |
| 30 days | Income CD Relationship | $100,000 | 0.10% | −4.03% | Verified October 22, 2026 |
| 60 days | Growth CD | $100,000 | 0.10% | −4.10% | Verified October 22, 2026 |
| 60 days | Income CD Relationship | $100,000 | 0.10% | −4.10% | Verified October 22, 2026 |
| 3 months | Growth CD | $500same APY in 2 balance tiers | 0.20% | −4.09% | Top 92% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | Income CD Relationship | $5,000same APY in 2 balance tiers | 0.20% | −4.09% | Top 92% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | Growth CD | $500same APY in 2 balance tiers | 3.00% | −1.40% | Top 68% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Income CD Relationship | $5,000same APY in 2 balance tiers | 2.96% | −1.44% | Top 68% of tracked 6-month CDs · Verified October 22, 2026 |
| 12 months | Flex 12 Growth CD | $250 | 0.25% | −4.32% | Top 96% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Growth CD | $500same APY in 2 balance tiers | 0.25% | −4.32% | Top 96% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Income CD Relationship | $5,000same APY in 2 balance tiers | 0.25% | −4.32% | Top 96% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Growth CD | $500same APY in 2 balance tiers | 2.50% | −2.22% | Top 77% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Income CD Relationship | $5,000same APY in 2 balance tiers | 2.47% | −2.25% | Top 77% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Growth CD | $500same APY in 2 balance tiers | 2.25% | −2.62% | Top 77% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Income CD Relationship | $5,000same APY in 2 balance tiers | 2.23% | −2.64% | Top 77% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Growth CD | $500same APY in 2 balance tiers | 1.00% | −3.95% | Top 89% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Income CD Relationship | $5,000same APY in 2 balance tiers | 0.99% | −3.96% | Top 89% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Growth CD | $500same APY in 2 balance tiers | 1.10% | −3.88% | Top 87% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Income CD Relationship | $5,000same APY in 2 balance tiers | 1.09% | −3.89% | Top 87% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Growth CD | $500same APY in 2 balance tiers | 1.25% | −3.76% | Top 88% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Income CD Relationship | $5,000same APY in 2 balance tiers | 1.24% | −3.77% | Top 88% of tracked 60-month CDs · Verified 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 QNB Bank's best CD rates by term?
QNB Bank's best rate is 3.00% APY on 6 months, verified October 22, 2026.
- 30 days0.10%
- 60 days0.10%
- 3 mo0.20%
- 6 mo3.00%
- 12 mo0.25%
- 18 mo2.50%
- 24 mo2.25%
- 36 mo1.00%
- 48 mo1.10%
- 60 mo1.25%
How much interest could a QNB 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.
$149.30 interest · $10,149.30 at maturity on $10,000.00.
3.00% APY · 6 months · Growth CD · 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 |
|---|---|---|---|---|
| 30 days | Not estimated | Not estimated | Not estimated | Not estimated |
| 60 days | Not estimated | Not estimated | Not estimated | Not estimated |
| 3 months | $2.490.20% APY · Growth CD · Standard | $4.980.20% APY · Growth CD · Standard | $12.460.20% APY · Growth CD · Standard | $24.910.20% APY · Growth CD · Standard |
| 6 months | $74.653.00% APY · Growth CD · Standard | $149.303.00% APY · Growth CD · Standard | $373.263.00% APY · Growth CD · Standard | $746.513.00% APY · Growth CD · Standard |
| 12 months | $12.500.25% APY · Growth CD · Standard | $25.000.25% APY · Growth CD · Standard | $62.500.25% APY · Growth CD · Standard | $125.000.25% APY · Growth CD · Standard |
| 18 months | $188.842.50% APY · Growth CD · Standard | $377.692.50% APY · Growth CD · Standard | $944.212.50% APY · Growth CD · Standard | $1,888.432.50% APY · Growth CD · Standard |
| 24 months | $227.532.25% APY · Growth CD · Standard | $455.062.25% APY · Growth CD · Standard | $1,137.662.25% APY · Growth CD · Standard | $2,275.312.25% APY · Growth CD · Standard |
| 36 months | $151.511.00% APY · Growth CD · Standard | $303.011.00% APY · Growth CD · Standard | $757.531.00% APY · Growth CD · Standard | $1,515.051.00% APY · Growth CD · Standard |
| 48 months | $223.661.10% APY · Growth CD · Standard | $447.311.10% APY · Growth CD · Standard | $1,118.281.10% APY · Growth CD · Standard | $2,236.571.10% APY · Growth CD · Standard |
| 60 months | $320.411.25% APY · Growth CD · Standard | $640.821.25% APY · Growth CD · Standard | $1,602.051.25% APY · Growth CD · Standard | $3,204.111.25% APY · Growth CD · Standard |
How QNB Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 183-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 246 of 377 tracked institutions with fresh 183-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 | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| QNB Bank (this institution)Growth CD · Standard | 6 months | $500 | Branches in PA | 3.00% | October 22, 2026 |
| Popular DirectCD · Standard | 6 months | $10,000 | Available nationwide | 4.35% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 6 months | Not stated | Available nationwide | 4.20% | October 22, 2026 |
| Unity Bank (New Jersey)6 Month CD · Promotional | 6 months | $1,000 | Branches in NJ, PA | 4.20% | October 22, 2026 |
| Justice Federal Credit Union (highest tracked APY for this term)6-Month Special Certificate · Relationship | 6 months | $100,000 | Membership required · branches in 9 states | 5.20% | October 22, 2026 |
| Treasury (APY-equivalent) | 6 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.40% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking QNB Bank on October 22, 2026.
About QNB Bank
- Legal name
- QNB Bank
- Regulator ID
- FDIC 7714
- Headquarters
- Quakertown, PA
- Available in
- PA
- Total assets
- $2.4 billion
- Also known as
- QNB
- Website
- www.qnbbank.com
Source: rates read from https://www.qnbbank.com/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at QNB Bank?
Among the rates we track, 3.00% APY on a 6-month CD, as of October 22, 2026.
What is the minimum deposit for a QNB Bank CD?
The lowest minimum we found is $250; jumbo and higher balance tiers start at up to $100,000.
How does QNB Bank's best CD rate compare with Treasury yields?
3.00% APY is −1.40% versus the 6-month Treasury yield of 4.40% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.00% a good CD rate?
It is 2.2 times the FDIC national average for a similar term (1.39% 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 QNB Bank CDs insured?
QNB Bank is an FDIC-insured bank (FDIC 7714). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check QNB Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from QNB Bank's website and may change at any time. Confirm terms, minimums and eligibility with QNB Bank before opening an account. This page is not financial advice.