# Solvay Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/solvay-bank
Institution: Solvay Bank (FDIC 13297)
Aliases: 
Status: live
Last verified: 2026-10-22T16:25:03.000Z (October 22, 2026)
Official source: https://www.solvaybank.com/rates.html
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 91 days | $500 | 2.50% | Not ZIP-priced | −1.79% | 2026-10-22T16:25:03.000Z | [Snapshot 404](https://apyledger.com/snapshots/404) |
| Certificate of Deposit | standard | 182 days | $500 | 4.00% | Not ZIP-priced | −0.40% | 2026-10-22T16:25:03.000Z | [Snapshot 404](https://apyledger.com/snapshots/404) |
| 6 Month Certificate of Deposit Special | promotional | 6 months | $500 | 4.00% | Not ZIP-priced | −0.40% | 2026-10-22T16:25:03.000Z | [Snapshot 404](https://apyledger.com/snapshots/404) |
| Certificate of Deposit | standard | 7 months | $2,500 | 3.80% | Not ZIP-priced | −0.63% | 2026-10-22T16:25:03.000Z | [Snapshot 404](https://apyledger.com/snapshots/404) |
| Certificate of Deposit | standard | 12 months | $500 | 3.80% | Not ZIP-priced | −0.77% | 2026-10-22T16:25:03.000Z | [Snapshot 404](https://apyledger.com/snapshots/404) |
| Certificate of Deposit | standard | 16 months | $2,500 | 3.80% | Not ZIP-priced | −0.87% | 2026-10-22T16:25:03.000Z | [Snapshot 404](https://apyledger.com/snapshots/404) |
| Certificate of Deposit | standard | 18 months | $500 | 3.50% | Not ZIP-priced | −1.22% | 2026-10-22T16:25:03.000Z | [Snapshot 404](https://apyledger.com/snapshots/404) |
| Certificate of Deposit | standard | 24 months | $500 | 3.50% | Not ZIP-priced | −1.37% | 2026-10-22T16:25:03.000Z | [Snapshot 404](https://apyledger.com/snapshots/404) |
| Certificate of Deposit | standard | 30 months | $500 | 2.25% | Not ZIP-priced | −2.66% | 2026-10-22T16:25:03.000Z | [Snapshot 404](https://apyledger.com/snapshots/404) |
| Certificate of Deposit | standard | 36 months | $500 | 2.50% | Not ZIP-priced | −2.45% | 2026-10-22T16:25:03.000Z | [Snapshot 404](https://apyledger.com/snapshots/404) |
| Certificate of Deposit | standard | 48 months | $500 | 2.75% | Not ZIP-priced | −2.23% | 2026-10-22T16:25:03.000Z | [Snapshot 404](https://apyledger.com/snapshots/404) |
| Certificate of Deposit | standard | 60 months | $500 | 3.00% | Not ZIP-priced | −2.01% | 2026-10-22T16:25:03.000Z | [Snapshot 404](https://apyledger.com/snapshots/404) |

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.