Bank · FDIC insured
FinWise Bank CD Rates
FinWise Bank’s best CD rate is 4.40% APY on a 1-year CD. Terms run from 6 months to 1 year. Rates checked October 22, 2026.
How FinWise Bank’s CD rates compare
Compared with banks and credit unions near Salt Lake City, UT, where FinWise Bank has the most branches. $10,000, best rate first.
This bank’s best
FinWise Bank
4.40%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $440
Certificate of Deposit
Top rate
Comenity Capital Bank
4.85%APY
- Term
- 18 months
- Minimum
- $1,500
- Earns on $10,000
- $736
2nd-highest rate
Sallie Mae
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.40%APY · 2 terms
FDIC insured up to $250,000. Early withdrawal penalty of 90-day loss of interest. Automatic renewal at maturity with a 10-day grace period. Fixed rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAssumes interest and principal remain on deposit until maturity. Early withdrawal penalty of 90-day loss of interest | 4.10% | $203 |
| 12 monthsAssumes interest and principal remain on deposit until maturity. Early withdrawal penalty of 90-day loss of interest | 4.40% | $440 |
Sources (1)
- finwise.bank/personal-banking/…icate-of-deposit-account · captured Oct 15, 2026
Opening an account
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