# RCB Bank CD rates

As of October 22, 2026, RCB Bank's highest tracked CD rate is 3.25% APY on a 60-month CD ($1,000 minimum). That is 2.3 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 0.10% to 3.25% APY.

Canonical page: https://apyledger.com/cd-rates/rcb-bank
Institution: RCB Bank (FDIC 15399)
Aliases: 
Status: live
Last verified: 2026-10-22T23:54:03.000Z (October 22, 2026)
Official source: https://rcbbank.bank/pages/Rates.html
Coverage: Personal CDs with a $1,000 minimum, including the 25-month Pop-up CD. The 18-month variable-rate CD and IRA/Roth/Education products 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| CD | standard | 30 days | $1,000 | 0.10% | Not ZIP-priced | −4.03% | 2026-10-22T23:54:03.000Z | [Snapshot 436](https://apyledger.com/snapshots/436) |
| CD | standard | 91 days | $1,000 | 2.88% | Not ZIP-priced | −1.42% | 2026-10-22T23:54:03.000Z | [Snapshot 436](https://apyledger.com/snapshots/436) |
| CD | standard | 182 days | $1,000 | 2.95% | Not ZIP-priced | −1.45% | 2026-10-22T23:54:03.000Z | [Snapshot 436](https://apyledger.com/snapshots/436) |
| CD | standard | 12 months | $1,000 | 3.03% | Not ZIP-priced | −1.54% | 2026-10-22T23:54:03.000Z | [Snapshot 436](https://apyledger.com/snapshots/436) |
| CD | standard | 18 months | $1,000 | 1.65% | Not ZIP-priced | −3.07% | 2026-10-22T23:54:03.000Z | [Snapshot 436](https://apyledger.com/snapshots/436) |
| CD | standard | 24 months | $1,000 | 2.80% | Not ZIP-priced | −2.07% | 2026-10-22T23:54:03.000Z | [Snapshot 436](https://apyledger.com/snapshots/436) |
| 25 Month Pop-up CD | promotional | 25 months | $1,000 | 3.10% | Not ZIP-priced | −1.77% | 2026-10-22T23:54:03.000Z | [Snapshot 436](https://apyledger.com/snapshots/436) |
| CD | standard | 36 months | $1,000 | 3.15% | Not ZIP-priced | −1.80% | 2026-10-22T23:54:03.000Z | [Snapshot 436](https://apyledger.com/snapshots/436) |
| CD | standard | 48 months | $1,000 | 3.20% | Not ZIP-priced | −1.78% | 2026-10-22T23:54:03.000Z | [Snapshot 436](https://apyledger.com/snapshots/436) |
| CD | standard | 60 months | $1,000 | 3.25% | Not ZIP-priced | −1.76% | 2026-10-22T23:54:03.000Z | [Snapshot 436](https://apyledger.com/snapshots/436) |

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.