Sutton Bank CD Rates — October 2026
As of October 22, 2026, Sutton Bank's highest tracked CD rate is 4.00% APY on a 13-month promotional CD ($1,000 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.05% to 0.60% APY.
Tracking began .
Sutton Bank CD rates
CDs from 7 days to 42 months with a $1,000 minimum, including a 13-month special that requires an active Sutton Bank primary checking account. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 7 days | 7-31 Day | $1,000 | 0.05% | −4.08% | Verified October 22, 2026 |
| 90 days | 90 Day Tiered | $25,000 | 0.15% | −4.14% | Verified October 22, 2026 |
| 90 days | 90 Day Tiered | $10,000 | 0.10% | −4.19% | Verified October 22, 2026 |
| 90 days | 90 Day Tiered | $1,000 | 0.05% | −4.24% | Verified October 22, 2026 |
| 91 days | 91 Day | $1,000 | 0.05% | −4.25% | Top 99% of tracked 91-day CDs · Verified October 22, 2026 |
| 6 months | 6 Month | $1,000 | 0.25% | −4.15% | Top 95% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | 9 Month | $1,000 | 0.30% | −4.18% | Top 94% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | 12 Month | $1,000 | 0.40% | −4.17% | Top 94% of tracked 12-month CDs · Verified October 22, 2026 |
| 13 months | 13 Month Special Promotional | $1,000 | 4.00% | −0.60% | Verified October 22, 2026 |
| 18 months | 18 Month | $1,000 | 0.40% | −4.32% | Top 94% of tracked 18-month CDs · Verified October 22, 2026 |
| 23 months | 23 Month | $1,000 | 0.45% | −4.39% | Verified October 22, 2026 |
| 24 months | 24 Month | $1,000 | 0.45% | −4.42% | Top 93% of tracked 24-month CDs · Verified October 22, 2026 |
| 30 months | 30 Month | $1,000 | 0.45% | −4.46% | Verified October 22, 2026 |
| 36 months | 36 Month | $1,000 | 0.55% | −4.40% | Top 91% of tracked 36-month CDs · Verified October 22, 2026 |
| 38 months | 38 Month | $1,000 | 0.55% | −4.41% | Verified October 22, 2026 |
| 42 months | 42 Month | $1,000 | 0.60% | −4.37% | 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.
Watch the renewal rate
The best promotional rate here is 4.00% APY (13 months). The standard rate for a similar term is 0.40% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $360 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Sutton Bank's best CD rates by term?
Sutton Bank's best rate is 4.00% APY on 13 months, verified October 22, 2026.
- 7 days0.05%
- 90 days0.15%
- 91 days0.05%
- 6 mo0.25%
- 9 mo0.30%
- 12 mo0.40%
- 13 mo4.00%
- 18 mo0.40%
- 23 mo0.45%
- 24 mo0.45%
- 30 mo0.45%
- 36 mo0.55%
- 38 mo0.55%
- 42 mo0.60%
How much interest could a Sutton 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.
$433.58 interest · $10,433.58 at maturity on $10,000.00.
4.00% APY · 13 months · 13 Month Special · Promotional · 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 |
|---|---|---|---|---|
| 7 days | $0.050.05% APY · 7-31 Day · Standard | $0.100.05% APY · 7-31 Day · Standard | $0.240.05% APY · 7-31 Day · Standard | $0.480.05% APY · 7-31 Day · Standard |
| 90 days | $0.620.05% APY · 90 Day Tiered · Standard | $2.460.10% APY · 90 Day Tiered · Standard | $9.240.15% APY · 90 Day Tiered · Standard | $18.480.15% APY · 90 Day Tiered · Standard |
| 91 days | $0.620.05% APY · 91 Day · Standard | $1.250.05% APY · 91 Day · Standard | $3.120.05% APY · 91 Day · Standard | $6.230.05% APY · 91 Day · Standard |
| 6 months | $6.260.25% APY · 6 Month · Standard | $12.530.25% APY · 6 Month · Standard | $31.320.25% APY · 6 Month · Standard | $62.630.25% APY · 6 Month · Standard |
| 9 months | $11.260.30% APY · 9 Month · Standard | $22.510.30% APY · 9 Month · Standard | $56.280.30% APY · 9 Month · Standard | $112.560.30% APY · 9 Month · Standard |
| 12 months | $20.000.40% APY · 12 Month · Standard | $40.000.40% APY · 12 Month · Standard | $100.000.40% APY · 12 Month · Standard | $200.000.40% APY · 12 Month · Standard |
| 13 months | $216.794.00% APY · 13 Month Special · Promotional | $433.584.00% APY · 13 Month Special · Promotional | $1,083.954.00% APY · 13 Month Special · Promotional | $2,167.904.00% APY · 13 Month Special · Promotional |
| 18 months | $30.060.40% APY · 18 Month · Standard | $60.110.40% APY · 18 Month · Standard | $150.290.40% APY · 18 Month · Standard | $300.570.40% APY · 18 Month · Standard |
| 23 months | $43.240.45% APY · 23 Month · Standard | $86.480.45% APY · 23 Month · Standard | $216.200.45% APY · 23 Month · Standard | $432.400.45% APY · 23 Month · Standard |
| 24 months | $45.100.45% APY · 24 Month · Standard | $90.200.45% APY · 24 Month · Standard | $225.510.45% APY · 24 Month · Standard | $451.010.45% APY · 24 Month · Standard |
| 30 months | $56.470.45% APY · 30 Month · Standard | $112.940.45% APY · 30 Month · Standard | $282.360.45% APY · 30 Month · Standard | $564.710.45% APY · 30 Month · Standard |
| 36 months | $82.950.55% APY · 36 Month · Standard | $165.910.55% APY · 36 Month · Standard | $414.770.55% APY · 36 Month · Standard | $829.550.55% APY · 36 Month · Standard |
| 38 months | $87.620.55% APY · 38 Month · Standard | $175.230.55% APY · 38 Month · Standard | $438.080.55% APY · 38 Month · Standard | $876.160.55% APY · 38 Month · Standard |
| 42 months | $105.830.60% APY · 42 Month · Standard | $211.660.60% APY · 42 Month · Standard | $529.160.60% APY · 42 Month · Standard | $1,058.320.60% APY · 42 Month · Standard |
How Sutton Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 395-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 45 of 95 tracked institutions with fresh 395-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 |
|---|---|---|---|---|---|
| Sutton Bank (this institution)13 Month Special · Promotional | 13 months | $1,000 | Branches in OH | 4.00% | October 22, 2026 |
| CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard | 13 months | $1,000 | Available nationwide | 4.50% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 13 months | $2,500 | Available nationwide | 4.50% | October 22, 2026 |
| Synchrony BankCD · Standard | 13 months | Not stated | Available nationwide | 4.40% | October 22, 2026 |
| Del Norte Credit Union (highest tracked APY for this term)Share Certificate - $100,000+ Minimum Balance · Promotional | 13 months | $100,000 | Membership required · branches in NM | 5.23% | October 22, 2026 |
| Treasury (APY-equivalent) | 13 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.60% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Sutton Bank on October 22, 2026.
About Sutton Bank
- Legal name
- Sutton Bank
- Regulator ID
- FDIC 5962
- Headquarters
- Attica, OH
- Available in
- OH
- Total assets
- $1.7 billion
- Also known as
- Website
- www.suttonbank.com
Source: rates read from https://www.suttonbank.com/personal/personal-savings/certificates-of-deposit-cds.html. See the page text we read.
Frequently asked questions
What is the highest CD rate at Sutton Bank?
Among the rates we track, 4.00% APY on a 13-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Sutton Bank CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $25,000.
How does Sutton Bank's best CD rate compare with Treasury yields?
4.00% APY is −0.60% versus the 13-month Treasury yield of 4.60% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.3 times the FDIC national average for a similar term (1.76% 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 Sutton Bank CDs insured?
Sutton Bank is an FDIC-insured bank (FDIC 5962). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Sutton Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Sutton Bank's website and may change at any time. Confirm terms, minimums and eligibility with Sutton Bank before opening an account. This page is not financial advice.