# Stearns Bank CD rates

As of October 22, 2026, Stearns Bank's highest tracked CD rate is 3.94% APY on a 6-month CD ($500 minimum). That is 2.8 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 3.66% to 3.94% APY.

Canonical page: https://apyledger.com/cd-rates/stearns-bank
Institution: Stearns Bank National Association (FDIC 10988)
Aliases: 
Status: live
Last verified: 2026-10-22T16:25:15.000Z (October 22, 2026)
Official source: https://www.stearnsbank.com/personal/cds
Coverage: Standard CD terms only, with a $500 minimum opening deposit. The 3- and 6-month CDs accept additional deposits during the term and pay interest at maturity; no penalty may be imposed for early withdrawal on those terms. Stearns Salaam profit-sharing CDs are excluded.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Standard CD | standard | 3 months | $500 | 3.90% | Not ZIP-priced | −0.40% | 2026-10-22T16:25:15.000Z | [Snapshot 403](https://apyledger.com/snapshots/403) |
| Standard CD | standard | 6 months | $500 | 3.94% | Not ZIP-priced | −0.46% | 2026-10-22T16:25:15.000Z | [Snapshot 403](https://apyledger.com/snapshots/403) |
| Standard CD | standard | 12 months | $500 | 3.85% | Not ZIP-priced | −0.72% | 2026-10-22T16:25:15.000Z | [Snapshot 403](https://apyledger.com/snapshots/403) |
| Standard CD | standard | 18 months | $500 | 3.66% | Not ZIP-priced | −1.06% | 2026-10-22T16:25:15.000Z | [Snapshot 403](https://apyledger.com/snapshots/403) |

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.