Bank · FDIC insured
ConnectOne Bank CD Rates
ConnectOne Bank’s best CD rate is 3.75% APY on a 4-month CD. Terms run from 4 months to 23 months. Rates checked October 22, 2026.
How ConnectOne Bank’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where ConnectOne Bank has the most branches. $10,000, best rate first.
This bank’s best
ConnectOne Bank
3.75%APY
- Term
- 4 months
- Minimum
- $500
- Earns on $10,000
- $123
CD (Time 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
ConnectOne Bank CD score
70
CD score
Higher than 27% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.20%
- 16–30 months16–30 mo2.75%
- QualifiedQualified3.75%
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 ConnectOne 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.
CD (Time Deposit)
Up to 3.75%APY · 5 terms
ConnectOne Bank opens CDs as Time Deposits. IRA Time Deposits are not available online. Promotional rates subject to change without notice. Early withdrawal penalties may be imposed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 months4 Month Penalty-Free CD. No early withdrawal penalties imposed unless funds are withdrawn within 7 days of account opening (forfeits earned interest). Promotional rate | 3.75% | $123 |
| 7 monthsPromotional rate. Early withdrawal penalty may be imposed | 3.75% | $217 |
| 11 monthsPromotional rate. Early withdrawal penalty may be imposed | 3.20% | $293 |
| 17 monthsPromotional rate. Early withdrawal penalty may be imposed | 2.75% | $392 |
| 23 monthsPromotional rate. Early withdrawal penalty may be imposed | 2.75% | $534 |
Sources (1)
- connectonebank.com/resources/rates/personal-rates · captured Oct 15, 2026
Special-purpose accounts
IRA CD (Time Deposit)
Up to 3.75%APY · 5 terms
IRA Time Deposits are not available online. ConnectOne Bank opens CDs as Time Deposits. Promotional rates subject to change without notice. Early withdrawal penalties may be imposed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 months4 Month Penalty-Free CD. No early withdrawal penalties imposed unless funds are withdrawn within 7 days of account opening (forfeits earned interest). Promotional rate. Not available online | 3.75% | $123 |
| 7 monthsPromotional rate. Early withdrawal penalty may be imposed. Not available online | 3.75% | $217 |
| 11 monthsPromotional rate. Early withdrawal penalty may be imposed. Not available online | 3.20% | $293 |
| 17 monthsPromotional rate. Early withdrawal penalty may be imposed. Not available online | 2.75% | $392 |
| 23 monthsPromotional rate. Early withdrawal penalty may be imposed. Not available online | 2.75% | $534 |
Sources (1)
- connectonebank.com/resources/rates/personal-rates · captured Oct 15, 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.