Bank · FDIC insured
1st Bank of Sea Isle City CD Rates
1st Bank of Sea Isle City’s best CD rate is 3.50% APY on a 6-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How 1st Bank of Sea Isle City’s CD rates compare
Compared with banks and credit unions near Atlantic City, NJ, where 1st Bank of Sea Isle City has the most branches. $10,000, best rate first.
This bank’s best
1st Bank of Sea Isle City
3.50%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $173
Certificate
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $461
1st Bank of Sea Isle City CD score
64
CD score
Higher than 11% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo0.33%
- 16–30 months16–30 mo0.36%
- 31–60 months31–60 mo0.42%
- QualifiedQualified3.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where 1st Bank of Sea Isle City ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate
Up to 3.50%APY · 10 terms
Primary operating region is Cape May County, NJ; right reserved to refuse applications from outside the area. Must physically come into a branch location to open any account with proper identification.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsTerm is 91 days. Subject to premature withdrawal penalty of 3 months loss of interest | — | 0.22% | 0.22% | $5 |
| 6 months182 days (6 months) Certificate Special; limited time offer. Subject to premature withdrawal penalty of 3 months loss of interest | — | 3.50% | 3.50% | $173 |
| 9 monthsSubject to premature withdrawal penalty of 3 months loss of interest | 0.33% | — | 0.33% | $25 |
| 12 monthsSubject to premature withdrawal penalty of 3 months loss of interest | 0.33% | — | 0.33% | $33 |
| 15 monthsSubject to premature withdrawal penalty of 3 months loss of interest | 0.33% | — | 0.33% | $41 |
| 18 monthsSubject to premature withdrawal penalty of 6 months loss of interest | 0.36% | — | 0.36% | $54 |
| 24 monthsSubject to premature withdrawal penalty of 6 months loss of interest | 0.36% | — | 0.36% | $72 |
| 30 monthsSubject to premature withdrawal penalty of 6 months loss of interest | 0.36% | — | 0.36% | $90 |
| 36 monthsSubject to premature withdrawal penalty of 6 months loss of interest | 0.39% | — | 0.39% | $117 |
| 60 monthsSubject to premature withdrawal penalty of 6 months loss of interest | 0.42% | — | 0.42% | $212 |
Sources (1)
- 1stbankseaisle.com/about-us/deposit-account-rates · captured Oct 15, 2026
Special-purpose accounts
60 months Traditional or ROTH IRA
0.42%APY · 1 term
Primary operating region is Cape May County, NJ; right reserved to refuse applications from outside the area. Must physically come into a branch location to open any account with proper identification.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsSubject to a premature withdrawal penalty of 6 months loss of interest, in addition to any IRS penalties until the account holder has reached the age of mandatory distributions | 0.42% | $212 |
Sources (1)
- 1stbankseaisle.com/about-us/deposit-account-rates · captured Oct 15, 2026
Individual Retirement Account Certificate
Up to 0.42%APY · 2 terms
Primary operating region is Cape May County, NJ; right reserved to refuse applications from outside the area. Must physically come into a branch location to open any account with proper identification.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months18 months Variable IRA. Variable rate account; rate automatically changes monthly to the rate in effect as of the last business day of the prior month. Subject to premature withdrawal penalty of 6 months loss of interest in addition to IRS penalties until mandatory distribution age | 0.36% | $54 |
| 60 months60 months Traditional or ROTH IRA. Subject to premature withdrawal penalty of 6 months loss of interest in addition to IRS penalties until mandatory distribution age | 0.42% | $212 |
Sources (1)
- 1stbankseaisle.com/about-us/deposit-account-rates · captured Oct 15, 2026
18 months Traditional IRA
0.36%APY · 1 term
Primary operating region is Cape May County, NJ; right reserved to refuse applications from outside the area. Must physically come into a branch location to open any account with proper identification.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsSubject to a premature withdrawal penalty of 6 months loss of interest, in addition to any IRS penalties until the account holder has reached the age of mandatory distributions | 0.36% | $54 |
Sources (1)
- 1stbankseaisle.com/about-us/deposit-account-rates · captured Oct 15, 2026
18 months Variable IRA
0.36%APY · 1 term
Primary operating region is Cape May County, NJ; right reserved to refuse applications from outside the area. Must physically come into a branch location to open any account with proper identification.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsThis is a variable rate account. The rate in effect will automatically change monthly to the rate in effect as of the last business day of the prior month. Subject to a premature withdrawal penalty of 6 months loss of interest, in addition to any IRS penalties until the account holder has reached the age of mandatory distributions | 0.36% | $54 |
Sources (1)
- 1stbankseaisle.com/about-us/deposit-account-rates · captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.