Somerset Regal Bank CD Rates — October 2026
As of October 22, 2026, Somerset Regal Bank's highest tracked CD rate is 2.50% APY on a 10-month CD ($500 minimum). That is 1.4 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.10% to 2.50% APY.
Tracking began .
Somerset Regal Bank CD rates
Fixed-rate CDs from 6 to 60 months, including a 10-month special. The 18-month variable-rate IRA is excluded. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | Certificate of Deposit | $500 | 0.10% | −4.30% | Top 98% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | Certificate of Deposit | $500 | 0.10% | −4.38% | Top 97% of tracked 9-month CDs · Verified October 22, 2026 |
| 10 months | Certificate of Deposit | $500 | 2.50% | −2.01% | Verified October 22, 2026 |
| 12 months | Certificate of Deposit | $500 | 0.20% | −4.37% | Top 97% of tracked 12-month CDs · Verified October 22, 2026 |
| 13 months | Certificate of Deposit | $500 | 0.15% | −4.45% | Verified October 22, 2026 |
| 15 months | Certificate of Deposit | $500 | 0.20% | −4.45% | Verified October 22, 2026 |
| 18 months | Certificate of Deposit | $500 | 0.20% | −4.52% | Top 97% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Certificate of Deposit | $500 | 0.25% | −4.62% | Top 97% of tracked 24-month CDs · Verified October 22, 2026 |
| 30 months | Certificate of Deposit | $500 | 0.25% | −4.66% | Verified October 22, 2026 |
| 36 months | Certificate of Deposit | $500 | 0.35% | −4.60% | Top 95% of tracked 36-month CDs · Verified October 22, 2026 |
| 42 months | Certificate of Deposit | $500 | 0.35% | −4.62% | Verified October 22, 2026 |
| 48 months | Certificate of Deposit | $500 | 0.40% | −4.58% | Top 95% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit | $500 | 0.55% | −4.46% | Top 93% of tracked 60-month CDs · Verified October 22, 2026 |
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 Somerset Regal Bank's best CD rates by term?
Somerset Regal Bank's best rate is 2.50% APY on 10 months, verified October 22, 2026.
- 6 mo0.10%
- 9 mo0.10%
- 10 mo2.50%
- 12 mo0.20%
- 13 mo0.15%
- 15 mo0.20%
- 18 mo0.20%
- 24 mo0.25%
- 30 mo0.25%
- 36 mo0.35%
- 42 mo0.35%
- 48 mo0.40%
- 60 mo0.55%
How much interest could a Somerset Regal 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.
$207.79 interest · $10,207.79 at maturity on $10,000.00.
2.50% APY · 10 months · 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 |
|---|---|---|---|---|
| 6 months | $2.510.10% APY · Certificate of Deposit · Standard | $5.010.10% APY · Certificate of Deposit · Standard | $12.530.10% APY · Certificate of Deposit · Standard | $25.060.10% APY · Certificate of Deposit · Standard |
| 9 months | $3.750.10% APY · Certificate of Deposit · Standard | $7.510.10% APY · Certificate of Deposit · Standard | $18.760.10% APY · Certificate of Deposit · Standard | $37.530.10% APY · Certificate of Deposit · Standard |
| 10 months | $103.892.50% APY · Certificate of Deposit · Standard | $207.792.50% APY · Certificate of Deposit · Standard | $519.472.50% APY · Certificate of Deposit · Standard | $1,038.942.50% APY · Certificate of Deposit · Standard |
| 12 months | $10.000.20% APY · Certificate of Deposit · Standard | $20.000.20% APY · Certificate of Deposit · Standard | $50.000.20% APY · Certificate of Deposit · Standard | $100.000.20% APY · Certificate of Deposit · Standard |
| 13 months | $8.120.15% APY · Certificate of Deposit · Standard | $16.230.15% APY · Certificate of Deposit · Standard | $40.580.15% APY · Certificate of Deposit · Standard | $81.170.15% APY · Certificate of Deposit · Standard |
| 15 months | $12.500.20% APY · Certificate of Deposit · Standard | $24.990.20% APY · Certificate of Deposit · Standard | $62.480.20% APY · Certificate of Deposit · Standard | $124.960.20% APY · Certificate of Deposit · Standard |
| 18 months | $15.020.20% APY · Certificate of Deposit · Standard | $30.040.20% APY · Certificate of Deposit · Standard | $75.110.20% APY · Certificate of Deposit · Standard | $150.210.20% APY · Certificate of Deposit · Standard |
| 24 months | $25.030.25% APY · Certificate of Deposit · Standard | $50.060.25% APY · Certificate of Deposit · Standard | $125.160.25% APY · Certificate of Deposit · Standard | $250.310.25% APY · Certificate of Deposit · Standard |
| 30 months | $31.330.25% APY · Certificate of Deposit · Standard | $62.650.25% APY · Certificate of Deposit · Standard | $156.630.25% APY · Certificate of Deposit · Standard | $313.260.25% APY · Certificate of Deposit · Standard |
| 36 months | $52.680.35% APY · Certificate of Deposit · Standard | $105.370.35% APY · Certificate of Deposit · Standard | $263.420.35% APY · Certificate of Deposit · Standard | $526.840.35% APY · Certificate of Deposit · Standard |
| 42 months | $61.540.35% APY · Certificate of Deposit · Standard | $123.090.35% APY · Certificate of Deposit · Standard | $307.710.35% APY · Certificate of Deposit · Standard | $615.430.35% APY · Certificate of Deposit · Standard |
| 48 months | $80.480.40% APY · Certificate of Deposit · Standard | $160.960.40% APY · Certificate of Deposit · Standard | $402.410.40% APY · Certificate of Deposit · Standard | $804.810.40% APY · Certificate of Deposit · Standard |
| 60 months | $139.020.55% APY · Certificate of Deposit · Standard | $278.040.55% APY · Certificate of Deposit · Standard | $695.100.55% APY · Certificate of Deposit · Standard | $1,390.210.55% APY · Certificate of Deposit · Standard |
How Somerset Regal Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 304-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 33 of 41 tracked institutions with fresh 304-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 | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Somerset Regal Bank (this institution)Certificate of Deposit · Standard | 10 months | $500 | Branches in NJ | 2.50% | October 22, 2026 |
| American Express National BankCertificate of Deposit (CD) · Promotional | 10 months | Not stated | Available nationwide | 4.40% | October 22, 2026 |
| Ion BankCertificate of Deposit · Standard | 10 months | $500 | Branches in CT, NJ | 3.75% | October 22, 2026 |
| Bank of PrincetonCertificate of Deposit · Standard | 10 months | $500 | Branches in NJ, NY, PA | 1.50% | October 22, 2026 |
| Community First Credit Union (highest tracked APY for this term)CD Special: Pick Your Term · Promotional | 10 months | $5,000 | Membership required · branches in WI | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 10 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.51% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Somerset Regal Bank on October 22, 2026.
About Somerset Regal Bank
- Legal name
- Somerset Regal Bank
- Regulator ID
- FDIC 28778
- Headquarters
- Bound Brook, NJ
- Available in
- NJ
- Total assets
- $1.2 billion
- Also known as
- Website
- www.somersetregalbank.com
Source: rates read from https://www.somersetregalbank.com/home/rates/current-deposit-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Somerset Regal Bank?
Among the rates we track, 2.50% APY on a 10-month CD, as of October 22, 2026.
What is the minimum deposit for a Somerset Regal Bank CD?
The lowest minimum we found is $500.
How does Somerset Regal Bank's best CD rate compare with Treasury yields?
2.50% APY is −2.01% versus the 10-month Treasury yield of 4.51% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 2.50% a good CD rate?
It is 1.4 times the FDIC national average for a similar term (1.76% 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 Somerset Regal Bank CDs insured?
Somerset Regal Bank is an FDIC-insured bank (FDIC 28778). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Somerset Regal Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Somerset Regal Bank's website and may change at any time. Confirm terms, minimums and eligibility with Somerset Regal Bank before opening an account. This page is not financial advice.