Bank · FDIC insured
Adams Bank & Trust CD Rates
Adams Bank & Trust’s best CD rate is 4.00% APY on a 1-year CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Adams Bank & Trust’s CD rates compare
Compared with banks and credit unions near Colorado Springs, CO, where Adams Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Adams Bank & Trust
4.00%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $198
6 Month CD
Top rate
Academy Bank
4.40%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $667
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Adams Bank & Trust CD score
88
CD score
Higher than 85% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
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 Adams Bank & Trust 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.
12 Month CD
4.00%APY · 1 term
A penalty may be imposed for early withdrawal
| Term | APY · Up to $10,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsA penalty may be imposed for early withdrawal | 2.90% | 4.00% | 4.00%2.90% to $10k | $400 |
Sources (1)
- secure.abtbank.com/disclose/ratesheet.pdf · captured Oct 22, 2026
24 Month CD
4.00%APY · 1 term
A penalty may be imposed for early withdrawal
| Term | APY · Up to $10,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 24 monthsA penalty may be imposed for early withdrawal | 2.75% | 4.00% | 4.00%2.75% to $10k | $816 |
Sources (1)
- secure.abtbank.com/disclose/ratesheet.pdf · captured Oct 22, 2026
36 Month CD
4.00%APY · 1 term
A penalty may be imposed for early withdrawal
| Term | APY · Up to $10,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 36 monthsA penalty may be imposed for early withdrawal | 2.80% | 4.00% | 4.00%2.80% to $10k | $1,249 |
Sources (1)
- secure.abtbank.com/disclose/ratesheet.pdf · captured Oct 22, 2026
48 Month CD
4.00%APY · 1 term
A penalty may be imposed for early withdrawal
| Term | APY · Up to $10,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 48 monthsA penalty may be imposed for early withdrawal | 2.80% | 4.00% | 4.00%2.80% to $10k | $1,699 |
Sources (1)
- secure.abtbank.com/disclose/ratesheet.pdf · captured Oct 22, 2026
6 Month CD
4.00%APY · 1 term
A penalty may be imposed for early withdrawal
| Term | APY · Up to $10,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsA penalty may be imposed for early withdrawal | 2.90% | 4.00% | 4.00%2.90% to $10k | $198 |
Sources (2)
All captured Oct 22, 2026
60 Month CD
4.00%APY · 1 term
A penalty may be imposed for early withdrawal
| Term | APY · Up to $10,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 60 monthsA penalty may be imposed for early withdrawal | 2.80% | 4.00% | 4.00%2.80% to $10k | $2,167 |
Sources (1)
- secure.abtbank.com/disclose/ratesheet.pdf · captured Oct 22, 2026
18 Month CD
3.95%APY · 1 term
A penalty may be imposed for early withdrawal
| Term | APY · Up to $10,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 18 monthsA penalty may be imposed for early withdrawal | 2.75% | 3.95% | 3.95%2.75% to $10k | $598 |
Sources (1)
- secure.abtbank.com/disclose/ratesheet.pdf · captured Oct 22, 2026
30 Month CD
3.95%APY · 1 term
A penalty may be imposed for early withdrawal
| Term | APY · Up to $10,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 30 monthsA penalty may be imposed for early withdrawal | 2.80% | 3.95% | 3.95%2.80% to $10k | $1,017 |
Sources (1)
- secure.abtbank.com/disclose/ratesheet.pdf · captured Oct 22, 2026
30 Month Upgrade CD
3.93%APY · 1 term
The interest rate and annual percentage yield may change after account opening. A penalty equal to 6 months interest may apply for early withdrawal. Allows upgrading the interest rate twice during the 30-month term. Additional deposits of at least $500 (not to exceed original principal or renewal value) may be made at the time of rate upgrade. Not available for Public Funds or Financial Institution Deposits.
| Term | APY · Up to $10,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 30 monthsThe interest rate and annual percentage yield may change after account opening. Early withdrawal penalty equal to 6 months interest may apply. Option to upgrade interest rate twice during term with optional additional deposits of at least $500 at the time of upgrade | 2.79% | 3.93% | 3.93%2.79% to $10k | $1,012 |
Sources (3)
- abtbank.com/landing/cds
- abtbank.com/product/certificates-of-deposit
- secure.abtbank.com/disclose/ratesheet.pdf
All captured Oct 22, 2026
Special-purpose accounts
36 Month Fixed IRA
4.00%APY · 1 term
A penalty may be imposed for early withdrawal
| Term | APY · Up to $10,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 36 monthsA penalty may be imposed for early withdrawal | 2.80% | 4.00% | 4.00%2.80% to $10k | $1,249 |
Sources (1)
- secure.abtbank.com/disclose/ratesheet.pdf · captured Oct 22, 2026
36 Month Variable IRA
4.00%APY · 1 term
The interest rate and annual percentage yield may change after account opening. A penalty may be imposed for early withdrawal
| Term | APY · Up to $10,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 36 monthsThe interest rate and annual percentage yield may change after account opening. A penalty may be imposed for early withdrawal | 2.80% | 4.00% | 4.00%2.80% to $10k | $1,249 |
Sources (1)
- secure.abtbank.com/disclose/ratesheet.pdf · captured Oct 22, 2026
18 Month Fixed IRA
3.95%APY · 1 term
A penalty may be imposed for early withdrawal
| Term | APY · Up to $10,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 18 monthsA penalty may be imposed for early withdrawal | 2.75% | 3.95% | 3.95%2.75% to $10k | $598 |
Sources (1)
- secure.abtbank.com/disclose/ratesheet.pdf · captured Oct 22, 2026
18 Month Variable IRA
3.95%APY · 1 term
The interest rate and annual percentage yield may change after account opening. A penalty may be imposed for early withdrawal
| Term | APY · Up to $10,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 18 monthsThe interest rate and annual percentage yield may change after account opening. A penalty may be imposed for early withdrawal | 2.75% | 3.95% | 3.95%2.75% to $10k | $598 |
Sources (1)
- secure.abtbank.com/disclose/ratesheet.pdf · captured Oct 22, 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.