# Southside Bank CD rates

As of October 22, 2026, Southside Bank's highest tracked CD rate is 3.80% APY on a 12-month CD ($100,000 minimum). That is 2.2 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.50% to 3.80% APY.

Canonical page: https://apyledger.com/cd-rates/southside-bank
Institution: Southside Bank (FDIC 18297)
Aliases: 
Status: live
Last verified: 2026-10-22T13:34:17.000Z (October 22, 2026)
Official source: https://www.southside.com/online-services/rates/
Coverage: Standard consumer CD rates only, with separate $1,000 and $100,000 balance tiers. Separate CD specials and IRA offers are not included.
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 | 1 month | $100,000 | 0.50% | Not ZIP-priced | −3.63% | 2026-10-22T13:34:17.000Z | [Snapshot 284](https://apyledger.com/snapshots/284) |
| Certificate of Deposit | standard | 3 months | $100,000 | 3.03% | Not ZIP-priced | −1.27% | 2026-10-22T13:34:17.000Z | [Snapshot 284](https://apyledger.com/snapshots/284) |
| Certificate of Deposit | standard | 6 months | $100,000 | 3.65% | Not ZIP-priced | −0.75% | 2026-10-22T13:34:17.000Z | [Snapshot 284](https://apyledger.com/snapshots/284) |
| Certificate of Deposit | standard | 6 months | $1,000 | 2.52% | Not ZIP-priced | −1.88% | 2026-10-22T13:34:17.000Z | [Snapshot 284](https://apyledger.com/snapshots/284) |
| Certificate of Deposit | standard | 12 months | $100,000 | 3.80% | Not ZIP-priced | −0.77% | 2026-10-22T13:34:17.000Z | [Snapshot 284](https://apyledger.com/snapshots/284) |
| Certificate of Deposit | standard | 12 months | $1,000 | 3.03% | Not ZIP-priced | −1.54% | 2026-10-22T13:34:17.000Z | [Snapshot 284](https://apyledger.com/snapshots/284) |
| Certificate of Deposit | standard | 18 months | $100,000 | 3.55% | Not ZIP-priced | −1.17% | 2026-10-22T13:34:17.000Z | [Snapshot 284](https://apyledger.com/snapshots/284) |
| Certificate of Deposit | standard | 18 months | $1,000 | 3.34% | Not ZIP-priced | −1.38% | 2026-10-22T13:34:17.000Z | [Snapshot 284](https://apyledger.com/snapshots/284) |
| Certificate of Deposit | standard | 24 months | $100,000 | 3.49% | Not ZIP-priced | −1.38% | 2026-10-22T13:34:17.000Z | [Snapshot 284](https://apyledger.com/snapshots/284) |
| Certificate of Deposit | standard | 24 months | $1,000 | 3.03% | Not ZIP-priced | −1.84% | 2026-10-22T13:34:17.000Z | [Snapshot 284](https://apyledger.com/snapshots/284) |
| Certificate of Deposit | standard | 60 months | $100,000 | 3.24% | Not ZIP-priced | −1.77% | 2026-10-22T13:34:17.000Z | [Snapshot 284](https://apyledger.com/snapshots/284) |
| Certificate of Deposit | standard | 60 months | $1,000 | 3.03% | Not ZIP-priced | −1.98% | 2026-10-22T13:34:17.000Z | [Snapshot 284](https://apyledger.com/snapshots/284) |

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.