Bank · FDIC insured
BTG Pactual Bank, National Association CD Rates
Top CarrotBTG Pactual Bank, National Association’s best CD rate is 4.70% APY on a 3-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How BTG Pactual Bank, National Association’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where BTG Pactual Bank, National Association has the most branches. $10,000, best rate first.
This bank’s best
BTG Pactual Bank, National Association
4.70%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,477
Online CD
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
BTG Pactual Bank, National Association CD score
99
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.20%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo4.65%
- 31–60 months31–60 mo4.70%
- QualifiedQualified4.70%
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 BTG Pactual Bank, National Association 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.
Online CD
Up to 4.70%APY · 9 terms
Applies to US Citizens and Resident Aliens depositing new funds into consumer accounts only. Interest is compounded monthly and assumes funds remain on deposit until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 4.00% | $99 |
| 6 months | 4.20% | $208 |
| 9 months | 4.40% | $328 |
| 12 months | 4.50% | $450 |
| 18 months | 4.55% | $690 |
| 24 months | 4.65% | $952 |
| 36 months | 4.70% | $1,477 |
| 48 months | 4.70% | $2,017 |
| 60 months | 4.70% | $2,582 |
No-Penalty CD
3.50%APY · 1 term
Applies to US Citizens and Resident Aliens depositing new funds into consumer accounts only. Funds currently on deposit with BTG Pactual do not qualify. Early withdrawal without penalty permitted up to two times; third withdrawal request will result in closure. Cannot withdraw principal for the first 6 days following funding or within 6 days of the most recent partial withdrawal. Balance must remain at or above $5,000 to earn stated APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 months$5,000 minimum balance to earn stated APY | 3.50% | $380 |
Sources (1)
- btgpactual.us/banking/certificates-of-deposit · captured Oct 9, 2026
Opening an account
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