# Somerset Regal Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/somerset-regal-bank
Institution: Somerset Regal Bank (FDIC 28778)
Aliases: 
Status: live
Last verified: 2026-10-23T03:32:10.000Z (October 22, 2026)
Official source: https://www.somersetregalbank.com/home/rates/current-deposit-rates
Coverage: 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.
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 | 6 months | $500 | 0.10% | Not ZIP-priced | −4.30% | 2026-10-23T03:32:10.000Z | [Snapshot 973](https://apyledger.com/snapshots/973) |
| Certificate of Deposit | standard | 9 months | $500 | 0.10% | Not ZIP-priced | −4.38% | 2026-10-23T03:32:10.000Z | [Snapshot 973](https://apyledger.com/snapshots/973) |
| Certificate of Deposit | standard | 10 months | $500 | 2.50% | Not ZIP-priced | −2.01% | 2026-10-23T03:32:10.000Z | [Snapshot 973](https://apyledger.com/snapshots/973) |
| Certificate of Deposit | standard | 12 months | $500 | 0.20% | Not ZIP-priced | −4.37% | 2026-10-23T03:32:10.000Z | [Snapshot 973](https://apyledger.com/snapshots/973) |
| Certificate of Deposit | standard | 13 months | $500 | 0.15% | Not ZIP-priced | −4.45% | 2026-10-23T03:32:10.000Z | [Snapshot 973](https://apyledger.com/snapshots/973) |
| Certificate of Deposit | standard | 15 months | $500 | 0.20% | Not ZIP-priced | −4.45% | 2026-10-23T03:32:10.000Z | [Snapshot 973](https://apyledger.com/snapshots/973) |
| Certificate of Deposit | standard | 18 months | $500 | 0.20% | Not ZIP-priced | −4.52% | 2026-10-23T03:32:10.000Z | [Snapshot 973](https://apyledger.com/snapshots/973) |
| Certificate of Deposit | standard | 24 months | $500 | 0.25% | Not ZIP-priced | −4.62% | 2026-10-23T03:32:10.000Z | [Snapshot 973](https://apyledger.com/snapshots/973) |
| Certificate of Deposit | standard | 30 months | $500 | 0.25% | Not ZIP-priced | −4.66% | 2026-10-23T03:32:10.000Z | [Snapshot 973](https://apyledger.com/snapshots/973) |
| Certificate of Deposit | standard | 36 months | $500 | 0.35% | Not ZIP-priced | −4.60% | 2026-10-23T03:32:10.000Z | [Snapshot 973](https://apyledger.com/snapshots/973) |
| Certificate of Deposit | standard | 42 months | $500 | 0.35% | Not ZIP-priced | −4.62% | 2026-10-23T03:32:10.000Z | [Snapshot 973](https://apyledger.com/snapshots/973) |
| Certificate of Deposit | standard | 48 months | $500 | 0.40% | Not ZIP-priced | −4.58% | 2026-10-23T03:32:10.000Z | [Snapshot 973](https://apyledger.com/snapshots/973) |
| Certificate of Deposit | standard | 60 months | $500 | 0.55% | Not ZIP-priced | −4.46% | 2026-10-23T03:32:10.000Z | [Snapshot 973](https://apyledger.com/snapshots/973) |

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.