# Regent Bank CD rates

As of October 22, 2026, Regent Bank's highest tracked CD rate is 4.05% APY on a 6-month promotional CD ($1,000 minimum). That is 2.9 times the FDIC national average for 6-month CDs (1.39%).

Canonical page: https://apyledger.com/cd-rates/regent-bank
Institution: Regent Bank (FDIC 4160)
Aliases: 
Status: live
Last verified: 2026-10-23T03:02:44.000Z (October 22, 2026)
Official source: https://www.regent.bank/personal/personal-cds-iras/
Coverage: CDs from 3 to 120 months with a $1,000 minimum to open. Early withdrawal penalties 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 | promotional | 3 months | $1,000 | 0.10% | Not ZIP-priced | −4.20% | 2026-10-23T03:02:44.000Z | [Snapshot 931](https://apyledger.com/snapshots/931) |
| CD | promotional | 6 months | $1,000 | 4.05% | Not ZIP-priced | −0.35% | 2026-10-23T03:02:44.000Z | [Snapshot 931](https://apyledger.com/snapshots/931) |
| CD | promotional | 12 months | $1,000 | 4.05% | Not ZIP-priced | −0.52% | 2026-10-23T03:02:44.000Z | [Snapshot 931](https://apyledger.com/snapshots/931) |
| CD | promotional | 18 months | $1,000 | 2.98% | Not ZIP-priced | −1.74% | 2026-10-23T03:02:44.000Z | [Snapshot 931](https://apyledger.com/snapshots/931) |
| CD | promotional | 24 months | $1,000 | 4.05% | Not ZIP-priced | −0.82% | 2026-10-23T03:02:44.000Z | [Snapshot 931](https://apyledger.com/snapshots/931) |
| CD | promotional | 36 months | $1,000 | 3.25% | Not ZIP-priced | −1.70% | 2026-10-23T03:02:44.000Z | [Snapshot 931](https://apyledger.com/snapshots/931) |
| CD | promotional | 48 months | $1,000 | 3.25% | Not ZIP-priced | −1.73% | 2026-10-23T03:02:44.000Z | [Snapshot 931](https://apyledger.com/snapshots/931) |
| CD | promotional | 60 months | $1,000 | 3.25% | Not ZIP-priced | −1.76% | 2026-10-23T03:02:44.000Z | [Snapshot 931](https://apyledger.com/snapshots/931) |
| CD | promotional | 120 months | $1,000 | 1.75% | Not ZIP-priced | −3.45% | 2026-10-23T03:02:44.000Z | [Snapshot 931](https://apyledger.com/snapshots/931) |

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.