Bank · FDIC insured
Ascendia Bank CD Rates
Top CarrotAscendia Bank’s best CD rate is 4.20% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Ascendia Bank’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Ascendia Bank has the most branches. $10,000, best rate first.
This bank’s best
Ascendia Bank
4.20%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,284
Certificates of Deposit
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
Ascendia Bank CD score
88
CD score
Higher than 84% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo4.20%
- QualifiedQualified4.20%
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 Ascendia 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.
Certificates of Deposit
Up to 4.20%APY · 10 terms
Penalty may be applied for early withdrawal.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | — | 1.50% | 1.50% | $37 |
| 6 months | — | 3.00% | 3.00% | $149 |
| 9 months | — | 3.25% | 3.25% | $243 |
| 12 months | 3.50% | — | 3.50% | $350 |
| 15 months | 4.00% | — | 4.00% | $502 |
| 18 months | 3.00% | — | 3.00% | $453 |
| 24 months | 4.05% | — | 4.05% | $826 |
| 36 months | 4.10% | — | 4.10% | $1,281 |
| 48 months | 4.15% | — | 4.15% | $1,766 |
| 60 months | 4.20% | — | 4.20% | $2,284 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 4.20%APY · 9 terms
Certificate terms for 6 months and above are available for IRA accounts. Penalty may be applied for early withdrawal. For IRAs consult your tax advisor.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | — | 3.00% | 3.00% | $149 |
| 9 months | — | 3.25% | 3.25% | $243 |
| 12 months | 3.50% | — | 3.50% | $350 |
| 15 months | 4.00% | — | 4.00% | $502 |
| 18 months | 3.00% | — | 3.00% | $453 |
| 24 months | 4.05% | — | 4.05% | $826 |
| 36 months | 4.10% | — | 4.10% | $1,281 |
| 48 months | 4.15% | — | 4.15% | $1,766 |
| 60 months | 4.20% | — | 4.20% | $2,284 |
Sources (2)
All captured Oct 4, 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.