Sturdy Savings Bank CD Rates — October 2026
As of October 22, 2026, Sturdy Savings Bank's highest tracked CD rate is 2.50% APY on a 6-month relationship CD ($1,000 minimum). That is 1.8 times the FDIC national average for 6-month CDs (1.39%).
Tracking began .
With $10,000 and no relationship requirement: 0.02% on 18 months
Sturdy Savings Bank CD rates
Fixed-rate CDs from 3 to 60 months; the published rates assume a Sturdy Savings checking account. The 18-month variable-rate CD is excluded. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Certificate of Deposit Relationship | $1,000 | 0.02% | −4.28% | Verified October 22, 2026 |
| 6 months | Certificate of Deposit Relationship | $1,000 | 2.50% | −1.90% | Verified October 22, 2026 |
| 9 months | Certificate of Deposit Relationship | $1,000 | 2.30% | −2.18% | Verified October 22, 2026 |
| 12 months | Certificate of Deposit Relationship | $500 | 2.25% | −2.32% | Verified October 22, 2026 |
| 18 months | Certificate of Deposit | $500 | 0.02% | −4.70% | Top 100% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Certificate of Deposit Relationship | $500 | 0.04% | −4.83% | Verified October 22, 2026 |
| 30 months | Certificate of Deposit Relationship | $500 | 0.04% | −4.87% | Verified October 22, 2026 |
| 36 months | Certificate of Deposit Relationship | $500 | 0.06% | −4.89% | Verified October 22, 2026 |
| 36 months | Excel-A-Rate Relationship | $500 | 0.05% | −4.90% | Verified October 22, 2026 |
| 48 months | Certificate of Deposit Relationship | $500 | 0.08% | −4.90% | Verified October 22, 2026 |
| 60 months | Certificate of Deposit Relationship | $500 | 0.13% | −4.88% | 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 Sturdy Savings Bank's best CD rates by term?
Sturdy Savings Bank's best rate is 2.50% APY on 6 months, verified October 22, 2026.
- 3 mo0.02%
- 6 mo2.50%
- 9 mo2.30%
- 12 mo2.25%
- 18 mo0.02%
- 24 mo0.04%
- 30 mo0.04%
- 36 mo0.06%
- 48 mo0.08%
- 60 mo0.13%
How much interest could a Sturdy Savings 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.
$124.57 interest · $10,124.57 at maturity on $10,000.00.
2.50% APY · 6 months · Certificate of Deposit · Relationship · 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 |
|---|---|---|---|---|
| 3 months | $0.250.02% APY · Certificate of Deposit · Relationship | $0.500.02% APY · Certificate of Deposit · Relationship | $1.250.02% APY · Certificate of Deposit · Relationship | $2.490.02% APY · Certificate of Deposit · Relationship |
| 6 months | $62.292.50% APY · Certificate of Deposit · Relationship | $124.572.50% APY · Certificate of Deposit · Relationship | $311.432.50% APY · Certificate of Deposit · Relationship | $622.852.50% APY · Certificate of Deposit · Relationship |
| 9 months | $86.082.30% APY · Certificate of Deposit · Relationship | $172.172.30% APY · Certificate of Deposit · Relationship | $430.422.30% APY · Certificate of Deposit · Relationship | $860.842.30% APY · Certificate of Deposit · Relationship |
| 12 months | $112.502.25% APY · Certificate of Deposit · Relationship | $225.002.25% APY · Certificate of Deposit · Relationship | $562.502.25% APY · Certificate of Deposit · Relationship | $1,125.002.25% APY · Certificate of Deposit · Relationship |
| 18 months | $1.500.02% APY · Certificate of Deposit · Standard | $3.000.02% APY · Certificate of Deposit · Standard | $7.510.02% APY · Certificate of Deposit · Standard | $15.010.02% APY · Certificate of Deposit · Standard |
| 24 months | $4.000.04% APY · Certificate of Deposit · Relationship | $8.000.04% APY · Certificate of Deposit · Relationship | $20.000.04% APY · Certificate of Deposit · Relationship | $40.010.04% APY · Certificate of Deposit · Relationship |
| 30 months | $5.000.04% APY · Certificate of Deposit · Relationship | $10.010.04% APY · Certificate of Deposit · Relationship | $25.020.04% APY · Certificate of Deposit · Relationship | $50.040.04% APY · Certificate of Deposit · Relationship |
| 36 months | $9.010.06% APY · Certificate of Deposit · Relationship | $18.010.06% APY · Certificate of Deposit · Relationship | $45.030.06% APY · Certificate of Deposit · Relationship | $90.050.06% APY · Certificate of Deposit · Relationship |
| 48 months | $16.020.08% APY · Certificate of Deposit · Relationship | $32.040.08% APY · Certificate of Deposit · Relationship | $80.100.08% APY · Certificate of Deposit · Relationship | $160.190.08% APY · Certificate of Deposit · Relationship |
| 60 months | $32.580.13% APY · Certificate of Deposit · Relationship | $65.170.13% APY · Certificate of Deposit · Relationship | $162.920.13% APY · Certificate of Deposit · Relationship | $325.850.13% APY · Certificate of Deposit · Relationship |
How Sturdy Savings Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 183-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 288 of 377 tracked institutions with fresh 183-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 |
|---|---|---|---|---|---|
| Sturdy Savings Bank (this institution)Certificate of Deposit · Relationship | 6 months | $1,000 | Branches in NJ | 2.50% | October 22, 2026 |
| TrustCo BankCertificate of Deposit Special · Promotional | 6 months | $500 | Branches in FL, MA, NJ, NY, VT | 4.40% | October 22, 2026 |
| Popular DirectCD · Standard | 6 months | $10,000 | Available nationwide | 4.35% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 6 months | Not stated | Available nationwide | 4.20% | October 22, 2026 |
| Justice Federal Credit Union (highest tracked APY for this term)6-Month Special Certificate · Relationship | 6 months | $100,000 | Membership required · branches in 9 states | 5.20% | October 22, 2026 |
| Treasury (APY-equivalent) | 6 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.40% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Sturdy Savings Bank on October 22, 2026.
About Sturdy Savings Bank
- Legal name
- Sturdy Savings Bank
- Regulator ID
- FDIC 28788
- Headquarters
- Stone Harbor, NJ
- Available in
- NJ
- Total assets
- $1.1 billion
- Also known as
- Website
- www.sturdyonline.com
Source: rates read from https://www.sturdyonline.com/deposit-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Sturdy Savings Bank?
Among the rates we track, 2.50% APY on a 6-month relationship CD, as of October 22, 2026.
What is the minimum deposit for a Sturdy Savings Bank CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $1,000.
How does Sturdy Savings Bank's best CD rate compare with Treasury yields?
2.50% APY is −1.90% versus the 6-month Treasury yield of 4.40% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 2.50% a good CD rate?
It is 1.8 times the FDIC national average for a similar term (1.39% 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 Sturdy Savings Bank CDs insured?
Sturdy Savings Bank is an FDIC-insured bank (FDIC 28788). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Sturdy Savings Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Sturdy Savings Bank's website and may change at any time. Confirm terms, minimums and eligibility with Sturdy Savings Bank before opening an account. This page is not financial advice.