Bank · FDIC insured
CIBC Bank USA CD Rates
Top CarrotCIBC Bank USA’s best CD rate is 4.35% APY on a 1-year CD. Terms run from 6 months to 30 months. Rates checked October 16, 2026.
How CIBC Bank USA’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where CIBC Bank USA has the most branches. $10,000, best rate first.
This bank’s best
CIBC Bank USA
4.35%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $435
CIBC Agility Certificate of Deposit (CD)
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
CIBC Bank USA CD score
89
CD score
Higher than 88% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.35%
- 16–30 months16–30 mo4.15%
- QualifiedQualified4.35%
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 CIBC Bank USA 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.
CIBC Agility Certificate of Deposit (CD)
Up to 4.35%APY · 7 terms
Available online only. Applicants must have a current U.S. home address (excluding U.S. territories, except Puerto Rico), SSN, valid U.S. driver's license or state ID, and be 18 years or older. Early withdrawal penalty of 30 days simple interest may apply. No monthly account maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest compounds and credits monthly. 30-day simple interest early withdrawal penalty | 4.00% | $198 |
| 9 monthsInterest compounds and credits monthly. 30-day simple interest early withdrawal penalty | 4.20% | $313 |
| 12 monthsInterest compounds and credits monthly. 30-day simple interest early withdrawal penalty | 4.35% | $435 |
| 13 monthsInterest compounds and credits monthly. 30-day simple interest early withdrawal penalty | 4.30% | $467 |
| 18 monthsInterest compounds and credits monthly. 30-day simple interest early withdrawal penalty | 4.15% | $629 |
| 24 monthsInterest compounds and credits monthly. 30-day simple interest early withdrawal penalty | 4.00% | $816 |
| 30 monthsInterest compounds and credits monthly. 30-day simple interest early withdrawal penalty | 3.50% | $898 |
Sources (3)
- us.cibc.com/en/home.html
- us.cibc.com/en/agility/certificates-of-deposit.html
- us.cibc.com/content/dam/us-pub…cd-account-agreement.pdf
All captured Sep 26, 2026
Certificates of Deposit Account
3.70%APY · 1 term
Apply at a CIBC US Banking Center. Maximum deposit $1,000,000. Penalty may be imposed for early withdrawal. At maturity, the 13-month CD automatically renews as a 12-month CD.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsIn-branch rate special; limited time offer | 3.70% | $401 |
Sources (1)
- us.cibc.com/en/personal/saving…ificates-of-deposit.html · captured Sep 26, 2026
Jumbo Certificates of Deposit (CDs)
3.70%APY · 1 term
Apply at a CIBC US Banking Center. Maximum deposit $1,000,000. Penalty may be imposed for early withdrawal. At maturity, the 13-month CD automatically renews as a 12-month CD.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsIn-branch rate special; limited time offer | 3.70% | — |
Sources (1)
- us.cibc.com/en/personal/saving…certificate-deposit.html · 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.