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Source: https://www.fblake.bank/rates/
Read: 2026-10-22T16:21:58.000Z

CD Rates | First Bank of the Lake
Term | APY* (In Branch) $1,000 minimum opening deposit | APY* (Online) $5,000 minimum opening deposit The rates shown are only available for online accounts.
3 Month CD | 3.40% | Not Offered Online
6 Month CD | 3.35% | 3.35%
7 Month CD | 4.55% | 4.55%
12 Month CD | 3.35% | 3.35%
18 Month CD | 3.35% | 3.35%
20 Month CD | 4.45% | 4.45%
24 Month CD | 3.15% | 3.15%
36 Month CD | 3.15% | 3.15%
48 Month CD | 3.15% | 3.15%
60 Month CD | 3.40% | 3.40%
*Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. APY is accurate as of date of publication. The maximum deposit is $500,000 per account. FDIC insurance is limited to the maximum allowed by law. Rates subject to change at any time without notice. Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. No institutional funds allowed in branch and no business or institutional funds allowed online. Other restrictions may apply. IRA CDs are available for terms of 12 months or longer. Contact bank for details.
When evaluating the best CD rates, consider institutions that offer rates at least 1 to 2 percentage points above the national average. Currently, the most competitive CD yields range from 3.50% to 4.50% APY, significantly higher than traditional savings accounts that typically offer less than 1.00% APY.
Short-term CDs like best 6 month CD rates provide flexibility in volatile interest rate environments. These options allow you to take advantage of current high rates without locking your funds away for extended periods. The best 6 month CD rates currently range from 3.50% to 4.25% APY at competitive institutions.
Short-term CDs like best 6-month CD rates provide flexibility in volatile interest rate environments. These options allow you to take advantage of current high rates without locking your funds away for extended periods. The best 6-month CD rates currently range from 3.50% to 4.25% APY at competitive institutions.
A 12-month CD offers a strong balance between attractive rates and manageable commitment. These CDs often feature some of the highest yields because their terms align closely with banks’ lending cycles and Federal Reserve policy shifts. At many top institutions, current rates range from 3.50% to 4.25% APY. With a one-year term, you’ll have enough time to earn meaningful interest while still keeping relatively quick access to your principal and earnings.
Compare CD rates by looking beyond just the APY advertised. Effective rate comparison involves examining minimum deposit requirements, early withdrawal penalties, and renewal terms that can significantly impact your actual returns.
*Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. APY is accurate as of date of publication. The maximum deposit is $500,000 per account. FDIC insurance is limited to the maximum allowed by law. Rates subject to change at any time without notice. Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. No institutional funds allowed in branch and no business or institutional funds allowed online. Other restrictions may apply. IRA CDs are available for terms of 12 months or longer. Contact bank for details.