Wintrust Bank CD Rates — October 2026
As of October 22, 2026, Wintrust Bank's highest 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%).
Wintrust Bank CD rates
Wintrust shows one default region on its CD specials page; rates elsewhere may differ.
| Term | Product | APY |
|---|---|---|
| 11 months | CD Special Promotional | 3.90% |
| 13 months | CD Special Promotional | 4.00% |
| 17 months | CD Special Promotional | 3.50% |
| 23 months | CD Special Promotional | 3.35% |
| 26 months | CD Special Promotional | 3.35% |
| 33 months | CD Special Promotional | 3.35% |
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.
Best rate by term
- 11 mo3.90%
- 13 mo4.00%
- 17 mo3.50%
- 23 mo3.35%
- 26 mo3.35%
- 33 mo3.35%
How Wintrust Bank compares
- Best 1-year rate among the institutions we track: Popular Direct at 4.60% APY.
- Popular Direct (NY): best 5.00% APY on 60 months.
- Barclays (DE): best 4.75% APY on 24 months.
- Sallie Mae Bank (UT): best 4.75% APY on 60 months.
- Capital One (VA): best 4.40% APY on 11 months.
- Marcus by Goldman Sachs (NY): best 4.40% APY on 12 months.
- 1-year Treasury: 4.60% APY-equivalent.
Rate changes
No changes since we started tracking Wintrust Bank on October 22, 2026.
About Wintrust Bank
- Legal name
- Wintrust Bank, National Association
- Regulator ID
- FDIC 33935
- Headquarters
- Chicago, IL
- Available in
- IL
- Total assets
- $9.6 billion
- Also known as
- Wintrust
- Website
- www.wintrustbank.com
Source: rates read from https://www.wintrustbank.com/lp/2023/cdrates.html. See the page text we read.
Frequently asked questions
What is the highest CD rate at Wintrust Bank?
4.00% APY on a 13-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Wintrust Bank CD?
The lowest minimum we found is $1,000.
How does Wintrust 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 Wintrust Bank CDs insured?
Wintrust Bank is an FDIC-insured bank (FDIC 33935). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Wintrust Bank's rate page every day. The rates above were last verified on October 22, 2026.
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Rates are copied from Wintrust Bank's website and may change at any time. Confirm terms, minimums and eligibility with Wintrust Bank before opening an account. This page is not financial advice.