Bank · FDIC insured
Amalgamated Bank CD Rates
Amalgamated Bank’s best CD rate is 4.03% APY on a 7-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Amalgamated Bank’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Amalgamated Bank has the most branches. $10,000, best rate first.
This bank’s best
Amalgamated Bank
4.03%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $233
Promotional CDs
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Amalgamated Bank CD score
79
CD score
Higher than 49% of U.S. banks and credit unions
- 3–8 months3–8 mo4.03%
- 9–15 months9–15 mo3.40%
- 16–30 months16–30 mo2.75%
- 31–60 months31–60 mo2.95%
- QualifiedQualified4.03%
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 Amalgamated Bank 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.
Promotional CDs
4.03%APY · 1 term
Can only be opened online at www.amalgamatedbank.com. Cannot be opened at an Amalgamated Bank branch. Opening deposits must be new money only (deposits not previously held by the bank). Maximum opening deposit of $249,999.99 if opened online.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsMust be opened online. Opening deposits must be new money only. Maximum opening deposit of $249,999.99 if opened online | 4.03% | $233 |
Sources (2)
All captured Sep 26, 2026
CDs
Up to 3.40%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.02% | $150 |
| 12 months | 3.40% | $340 |
| 24 months | 2.75% | $558 |
| 36 months | 2.95% | $911 |
| 60 months | 2.95% | $1,565 |
Sources (1)
- amalgamatedbank.com/consumer-rates · captured Sep 26, 2026
Special-purpose accounts
Promotional IRA CDs
3.30%APY · 1 term
Currently not available to open online; contact local branch or call 1-800-662-0860. Opening deposits must be new money only (deposits not previously held by the bank).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsCurrently not available to open online. Opening deposits must be new money only | 3.30% | $191 |
Sources (1)
- amalgamatedbank.com/consumer-rates · captured Sep 26, 2026
IRA CDs
Up to 3.25%APY · 6 terms
Currently not available to open online; contact local branch or call 1-800-662-0860.
| Term | APY · Up to $250,000 | APY · $500 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| UnknownVariable rate account, no maturity. Currently not available to open online | 0.50% | — | 0.50% | $0 |
| 3 monthsCurrently not available to open online | — | 0.70% | 0.70% | $17 |
| 6 monthsCurrently not available to open online | — | 3.04% | 3.04% | $151 |
| 12 monthsCurrently not available to open online | — | 3.25% | 3.25% | $325 |
| 24 monthsCurrently not available to open online | — | 2.78% | 2.78% | $564 |
| 36 monthsCurrently not available to open online | — | 2.99% | 2.99% | $924 |
Sources (1)
- amalgamatedbank.com/consumer-rates · captured Sep 26, 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.