APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution.
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Source: https://t.bank/home/current-rates/
Read: 2026-10-22T16:25:20.000Z

Current Bank Rates: See Our Top CD & Savings APY for 2026 | T Bank Skip to content
Term | Annual Percentage Yield (APY) Branch $1,000 Minimum Deposit | Annual Percentage Yield (APY) Digital Online $25,000 Minimum Deposit
12 Month | 4.70% | 4.70%
24 Month | 3.20% | -
36 Month | 3.20% | -
48 Month | 3.20% | -
60 Month | 3.20% | -
Term | Annual Percentage Yield (APY)
1 Year | 3.10%
2 Year | 3.25%
3 Year | 3.25%
4 Year | 3.25%
5 Year | 3.25%
Annual Percentage Yield (APY)
$1,500-$24,999.99 | 0.05%
$25,000-$99,999.99 | 0.10%
$100,000-$249,999.99 | 0.15%
$250,000-$499,999.99 | 0.15%
$500,000-$999,999.99 | 0.15%
$1,000,000 and up | 0.15%
Annual Percentage Yield (APY)
$2,500-$9,999.99 | 0.75%
$10,000-$24,999.99 | 0.80%
$25,000-$99,999.99 | 1.25%
$100,000-$249,999.99 | 3.39%
$250,000-$499,999.99 | 3.39%
$500,000-$999,999.99 | 3.39%
$1,000,000 and up | 3.39%
Annual Percentage Yield (APY)
Average Balance | 0.75%
Annual Percentage Yield (APY)
$1,500-$24,999.99 | 0.05%
$25,000-$99,999.99 | 0.10%
$100,000-$249,999.99 | 0.15%
$250,000-$499,999.99 | 0.15%
$500,000-$999,999.99 | 0.15%
$1,000,000 and up | 0.15%
* Fixed Rate APY effective October 22, 2026. CDs & IRAs are subject to a early withdrawal penalty.
** Variable Rate APY effective October 22, 2026.
What is the difference between Interest Rate and APY?
The Interest Rate is the base rate of return on your principal. The Annual Percentage Yield (APY) is the total return you’ll earn in a year, including the effect of compound interest. APY is the most accurate way to compare the earning potential of different accounts.