Bank · FDIC insured
Eva Bank CD Rates
Eva Bank’s best CD rate is 4.08% APY on a 40-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Eva Bank’s CD rates compare
Compared with banks and credit unions near Decatur, AL, where Eva Bank has the most branches. $10,000, best rate first.
This bank’s best
Eva Bank
4.08%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $618
Time Deposit (CD)
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Eva Bank CD score
89
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo4.04%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.08%
- 31–60 months31–60 mo4.08%
- QualifiedQualified4.08%
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 Eva 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.
40 month Fed Funds Variable Rate CD
4.08%APY · 1 term
The 40 month CD Special and 40 month Fed Funds Variable Rate CD will renew as a 36 month CD at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 40 monthsThe 40 month CD Special and 40 month Fed Funds Variable Rate CD will renew as a 36 month CD at maturity. $10,000 minimum deposit | 4.08% | $1,426 |
Sources (1)
- evabank.com/banking/cds-and-iras · captured Oct 22, 2026
Time Deposit (CD)
Up to 4.08%APY · 9 terms
Minimum deposit to open is $1,000. Daily balance method is used to calculate interest. For terms 12 months or less, interest is paid at maturity; for terms greater than 12 months, interest is compounded daily and paid annually.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.04% | $200 |
| 12 months | 4.00% | $400 |
| 18 months | 4.08% | $618 |
| 24 months | 3.82% | $779 |
| 30 months | 3.82% | $983 |
| 36 months | 3.82% | $1,190 |
| 40 monthsThe 40 month CD Special and 40 month Fed Funds Variable Rate CD will renew as a 36 month CD at maturity | 4.08% | $1,426 |
| 48 months | 3.82% | $1,618 |
| 60 months | 3.82% | $2,062 |
Sources (2)
All captured Oct 22, 2026
Eva Liquid CD
3.55%APY · 1 term
Renews every 3 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRenews every 3 months. $500 Minimum Deposit | 3.55% | $88 |
Sources (1)
- evabank.com/banking/cds-and-iras · captured Oct 22, 2026
Special-purpose accounts
IRA Certificate
4.08%APY · 1 term
Minimum deposit to open is $500. Daily balance method is used to calculate interest. For terms 12 months or less, interest is paid at maturity; for terms greater than 12 months, interest is compounded daily and paid annually.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 4.08% | $833 |
Sources (2)
All captured Oct 22, 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.