Solvay Bank CD Rates — October 2026
As of October 22, 2026, Solvay Bank's highest tracked CD rate is 4.00% APY on a 182-day CD ($500 minimum). That is 2.9 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 2.25% to 4.00% APY.
Tracking began .
Solvay Bank CD rates
Published CD rates from 91 days to 60 months, including 7- and 16-month offers and the 6-month CD special ($500 minimum). IRA rates are excluded. Early withdrawal penalties may apply.
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 Solvay Bank's best CD rates by term?
Solvay Bank's best rate is 4.00% APY on 182 days, verified October 22, 2026.
- 91 days2.50%
- 182 days4.00%
- 6 mo4.00%
- 7 mo3.80%
- 12 mo3.80%
- 16 mo3.80%
- 18 mo3.50%
- 24 mo3.50%
- 30 mo2.25%
- 36 mo2.50%
- 48 mo2.75%
- 60 mo3.00%
How much interest could a Solvay 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.
$197.49 interest · $10,197.49 at maturity on $10,000.00.
4.00% APY · 182 days · Certificate of Deposit · 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 |
|---|---|---|---|---|
| 91 days | $30.882.50% APY · Certificate of Deposit · Standard | $61.752.50% APY · Certificate of Deposit · Standard | $154.382.50% APY · Certificate of Deposit · Standard | $308.762.50% APY · Certificate of Deposit · Standard |
| 182 days | $98.754.00% APY · Certificate of Deposit · Standard | $197.494.00% APY · Certificate of Deposit · Standard | $493.734.00% APY · Certificate of Deposit · Standard | $987.464.00% APY · Certificate of Deposit · Standard |
| 6 months | $99.294.00% APY · 6 Month Certificate of Deposit Special · Promotional | $198.594.00% APY · 6 Month Certificate of Deposit Special · Promotional | $496.474.00% APY · 6 Month Certificate of Deposit Special · Promotional | $992.934.00% APY · 6 Month Certificate of Deposit Special · Promotional |
| 7 months | $110.013.80% APY · Certificate of Deposit · Standard | $220.033.80% APY · Certificate of Deposit · Standard | $550.073.80% APY · Certificate of Deposit · Standard | $1,100.153.80% APY · Certificate of Deposit · Standard |
| 12 months | $190.003.80% APY · Certificate of Deposit · Standard | $380.003.80% APY · Certificate of Deposit · Standard | $950.003.80% APY · Certificate of Deposit · Standard | $1,900.003.80% APY · Certificate of Deposit · Standard |
| 16 months | $255.103.80% APY · Certificate of Deposit · Standard | $510.213.80% APY · Certificate of Deposit · Standard | $1,275.523.80% APY · Certificate of Deposit · Standard | $2,551.033.80% APY · Certificate of Deposit · Standard |
| 18 months | $265.033.50% APY · Certificate of Deposit · Standard | $530.063.50% APY · Certificate of Deposit · Standard | $1,325.163.50% APY · Certificate of Deposit · Standard | $2,650.323.50% APY · Certificate of Deposit · Standard |
| 24 months | $356.123.50% APY · Certificate of Deposit · Standard | $712.253.50% APY · Certificate of Deposit · Standard | $1,780.623.50% APY · Certificate of Deposit · Standard | $3,561.253.50% APY · Certificate of Deposit · Standard |
| 30 months | $286.172.25% APY · Certificate of Deposit · Standard | $572.352.25% APY · Certificate of Deposit · Standard | $1,430.872.25% APY · Certificate of Deposit · Standard | $2,861.752.25% APY · Certificate of Deposit · Standard |
| 36 months | $384.452.50% APY · Certificate of Deposit · Standard | $768.912.50% APY · Certificate of Deposit · Standard | $1,922.272.50% APY · Certificate of Deposit · Standard | $3,844.532.50% APY · Certificate of Deposit · Standard |
| 48 months | $573.112.75% APY · Certificate of Deposit · Standard | $1,146.212.75% APY · Certificate of Deposit · Standard | $2,865.532.75% APY · Certificate of Deposit · Standard | $5,731.062.75% APY · Certificate of Deposit · Standard |
| 60 months | $796.373.00% APY · Certificate of Deposit · Standard | $1,592.743.00% APY · Certificate of Deposit · Standard | $3,981.853.00% APY · Certificate of Deposit · Standard | $7,963.703.00% APY · Certificate of Deposit · Standard |
How Solvay Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 182-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 1 of 10 tracked institutions with fresh 182-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 | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Solvay Bank (this institution) (highest tracked APY for this term)Certificate of Deposit · Standard | 182 days | $500 | Coverage: NY | 4.00% | October 22, 2026 |
| USAA BankSuper jumbo CD · Standard | 182 days | $175,000 | Coverage: AZ, CO, MD, NY, TX | 2.25% | October 22, 2026 |
| Treasury (APY-equivalent) | 182 days (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 Solvay Bank on October 22, 2026.
About Solvay Bank
- Legal name
- Solvay Bank
- Regulator ID
- FDIC 13297
- Headquarters
- Solvay, NY
- Available in
- NY
- Total assets
- $1.2 billion
- Also known as
- Website
- www.solvaybank.com
Source: rates read from https://www.solvaybank.com/rates.html. See the page text we read.
Frequently asked questions
What is the highest CD rate at Solvay Bank?
Among the rates we track, 4.00% APY on a 182-day CD, as of October 22, 2026.
What is the minimum deposit for a Solvay Bank CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $2,500.
How does Solvay Bank's best CD rate compare with Treasury yields?
4.00% APY is −0.40% versus the 182-day Treasury yield of 4.40% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.9 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 Solvay Bank CDs insured?
Solvay Bank is an FDIC-insured bank (FDIC 13297). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Solvay Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Solvay Bank's website and may change at any time. Confirm terms, minimums and eligibility with Solvay Bank before opening an account. This page is not financial advice.