# QNB Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/qnb-bank
Institution: QNB Bank (FDIC 7714)
Aliases: QNB
Status: live
Last verified: 2026-10-23T03:02:42.000Z (October 22, 2026)
Official source: https://www.qnbbank.com/rates/
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Growth CD | standard | 30 days | $100,000 | 0.10% | Not ZIP-priced | −4.03% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Income CD | relationship | 30 days | $100,000 | 0.10% | Not ZIP-priced | −4.03% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Growth CD | standard | 60 days | $100,000 | 0.10% | Not ZIP-priced | −4.10% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Income CD | relationship | 60 days | $100,000 | 0.10% | Not ZIP-priced | −4.10% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Growth CD | standard | 3 months | $500 | 0.20% | Not ZIP-priced | −4.09% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Income CD | relationship | 3 months | $5,000 | 0.20% | Not ZIP-priced | −4.09% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Growth CD | standard | 3 months | $100,000 | 0.20% | Not ZIP-priced | −4.09% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Income CD | relationship | 3 months | $100,000 | 0.20% | Not ZIP-priced | −4.09% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Growth CD | standard | 6 months | $500 | 3.00% | Not ZIP-priced | −1.40% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Growth CD | standard | 6 months | $100,000 | 3.00% | Not ZIP-priced | −1.40% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Income CD | relationship | 6 months | $5,000 | 2.96% | Not ZIP-priced | −1.44% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Income CD | relationship | 6 months | $100,000 | 2.96% | Not ZIP-priced | −1.44% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Flex 12 Growth CD | standard | 12 months | $250 | 0.25% | Not ZIP-priced | −4.32% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Growth CD | standard | 12 months | $500 | 0.25% | Not ZIP-priced | −4.32% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Income CD | relationship | 12 months | $5,000 | 0.25% | Not ZIP-priced | −4.32% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Growth CD | standard | 12 months | $100,000 | 0.25% | Not ZIP-priced | −4.32% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Income CD | relationship | 12 months | $100,000 | 0.25% | Not ZIP-priced | −4.32% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Growth CD | standard | 18 months | $500 | 2.50% | Not ZIP-priced | −2.22% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Growth CD | standard | 18 months | $100,000 | 2.50% | Not ZIP-priced | −2.22% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Income CD | relationship | 18 months | $5,000 | 2.47% | Not ZIP-priced | −2.25% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Income CD | relationship | 18 months | $100,000 | 2.47% | Not ZIP-priced | −2.25% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Growth CD | standard | 24 months | $500 | 2.25% | Not ZIP-priced | −2.62% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Growth CD | standard | 24 months | $100,000 | 2.25% | Not ZIP-priced | −2.62% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Income CD | relationship | 24 months | $5,000 | 2.23% | Not ZIP-priced | −2.64% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Income CD | relationship | 24 months | $100,000 | 2.23% | Not ZIP-priced | −2.64% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Growth CD | standard | 36 months | $500 | 1.00% | Not ZIP-priced | −3.95% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Growth CD | standard | 36 months | $100,000 | 1.00% | Not ZIP-priced | −3.95% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Income CD | relationship | 36 months | $5,000 | 0.99% | Not ZIP-priced | −3.96% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Income CD | relationship | 36 months | $100,000 | 0.99% | Not ZIP-priced | −3.96% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Growth CD | standard | 48 months | $500 | 1.10% | Not ZIP-priced | −3.88% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Growth CD | standard | 48 months | $100,000 | 1.10% | Not ZIP-priced | −3.88% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Income CD | relationship | 48 months | $5,000 | 1.09% | Not ZIP-priced | −3.89% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Income CD | relationship | 48 months | $100,000 | 1.09% | Not ZIP-priced | −3.89% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Growth CD | standard | 60 months | $500 | 1.25% | Not ZIP-priced | −3.76% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Growth CD | standard | 60 months | $100,000 | 1.25% | Not ZIP-priced | −3.76% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Income CD | relationship | 60 months | $5,000 | 1.24% | Not ZIP-priced | −3.77% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |
| Income CD | relationship | 60 months | $100,000 | 1.24% | Not ZIP-priced | −3.77% | 2026-10-23T03:02:42.000Z | [Snapshot 935](https://apyledger.com/snapshots/935) |

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.