# Tri City National Bank CD rates

As of October 22, 2026, Tri City National Bank's highest tracked CD rate is 4.00% APY on a 13-month relationship CD ($2,500 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.00% to 3.15% APY.

Canonical page: https://apyledger.com/cd-rates/tri-city-national-bank
Institution: Tri City National Bank (FDIC 18922)
Aliases: 
Status: live
Last verified: 2026-10-23T03:21:01.000Z (October 22, 2026)
Official source: https://tcnb.com/certificates-of-deposit.html
Coverage: 7- and 13-month CD specials ($2,500 minimum) and standard CDs from 3 to 60 months ($500 minimum). 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 | standard | 3 months | $500 | 2.00% | Not ZIP-priced | −2.29% | 2026-10-23T03:21:01.000Z | [Snapshot 969](https://apyledger.com/snapshots/969) |
| Certificate of Deposit | standard | 6 months | $500 | 3.00% | Not ZIP-priced | −1.40% | 2026-10-23T03:21:01.000Z | [Snapshot 969](https://apyledger.com/snapshots/969) |
| 7 Month Personal or Business CD | relationship | 7 months | $2,500 | 3.80% | Not ZIP-priced | −0.63% | 2026-10-23T03:21:01.000Z | [Snapshot 969](https://apyledger.com/snapshots/969) |
| Certificate of Deposit | standard | 12 months | $500 | 3.00% | Not ZIP-priced | −1.57% | 2026-10-23T03:21:01.000Z | [Snapshot 969](https://apyledger.com/snapshots/969) |
| 13 Month Personal or Business CD | relationship | 13 months | $2,500 | 4.00% | Not ZIP-priced | −0.60% | 2026-10-23T03:21:01.000Z | [Snapshot 969](https://apyledger.com/snapshots/969) |
| Certificate of Deposit | standard | 18 months | $500 | 3.00% | Not ZIP-priced | −1.72% | 2026-10-23T03:21:01.000Z | [Snapshot 969](https://apyledger.com/snapshots/969) |
| Certificate of Deposit | standard | 24 months | $500 | 3.15% | Not ZIP-priced | −1.72% | 2026-10-23T03:21:01.000Z | [Snapshot 969](https://apyledger.com/snapshots/969) |
| Certificate of Deposit | standard | 30 months | $500 | 3.15% | Not ZIP-priced | −1.76% | 2026-10-23T03:21:01.000Z | [Snapshot 969](https://apyledger.com/snapshots/969) |
| Certificate of Deposit | standard | 36 months | $500 | 3.15% | Not ZIP-priced | −1.80% | 2026-10-23T03:21:01.000Z | [Snapshot 969](https://apyledger.com/snapshots/969) |
| Certificate of Deposit | standard | 48 months | $500 | 3.15% | Not ZIP-priced | −1.83% | 2026-10-23T03:21:01.000Z | [Snapshot 969](https://apyledger.com/snapshots/969) |
| Certificate of Deposit | standard | 60 months | $500 | 3.15% | Not ZIP-priced | −1.86% | 2026-10-23T03:21:01.000Z | [Snapshot 969](https://apyledger.com/snapshots/969) |

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.