# Sturdy Savings Bank CD rates

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%).

Canonical page: https://apyledger.com/cd-rates/sturdy-savings-bank
Institution: Sturdy Savings Bank (FDIC 28788)
Aliases: 
Status: live
Last verified: 2026-10-23T03:32:12.000Z (October 22, 2026)
Official source: https://www.sturdyonline.com/deposit-rates/
Coverage: 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.
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 | relationship | 3 months | $1,000 | 0.02% | Not ZIP-priced | −4.28% | 2026-10-23T03:32:12.000Z | [Snapshot 974](https://apyledger.com/snapshots/974) |
| Certificate of Deposit | relationship | 6 months | $1,000 | 2.50% | Not ZIP-priced | −1.90% | 2026-10-23T03:32:12.000Z | [Snapshot 974](https://apyledger.com/snapshots/974) |
| Certificate of Deposit | relationship | 9 months | $1,000 | 2.30% | Not ZIP-priced | −2.18% | 2026-10-23T03:32:12.000Z | [Snapshot 974](https://apyledger.com/snapshots/974) |
| Certificate of Deposit | relationship | 12 months | $500 | 2.25% | Not ZIP-priced | −2.32% | 2026-10-23T03:32:12.000Z | [Snapshot 974](https://apyledger.com/snapshots/974) |
| Certificate of Deposit | standard | 18 months | $500 | 0.02% | Not ZIP-priced | −4.70% | 2026-10-23T03:32:12.000Z | [Snapshot 974](https://apyledger.com/snapshots/974) |
| Certificate of Deposit | relationship | 24 months | $500 | 0.04% | Not ZIP-priced | −4.83% | 2026-10-23T03:32:12.000Z | [Snapshot 974](https://apyledger.com/snapshots/974) |
| Certificate of Deposit | relationship | 30 months | $500 | 0.04% | Not ZIP-priced | −4.87% | 2026-10-23T03:32:12.000Z | [Snapshot 974](https://apyledger.com/snapshots/974) |
| Certificate of Deposit | relationship | 36 months | $500 | 0.06% | Not ZIP-priced | −4.89% | 2026-10-23T03:32:12.000Z | [Snapshot 974](https://apyledger.com/snapshots/974) |
| Excel-A-Rate | relationship | 36 months | $500 | 0.05% | Not ZIP-priced | −4.90% | 2026-10-23T03:32:12.000Z | [Snapshot 974](https://apyledger.com/snapshots/974) |
| Certificate of Deposit | relationship | 48 months | $500 | 0.08% | Not ZIP-priced | −4.90% | 2026-10-23T03:32:12.000Z | [Snapshot 974](https://apyledger.com/snapshots/974) |
| Certificate of Deposit | relationship | 60 months | $500 | 0.13% | Not ZIP-priced | −4.88% | 2026-10-23T03:32:12.000Z | [Snapshot 974](https://apyledger.com/snapshots/974) |

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.