Bank · FDIC insured
Fulton Bank CD Rates
Fulton Bank’s best CD rate is 4.00% APY on a 7-month CD. Terms run from 3 months to 6 years. Rates checked October 16, 2026.
How Fulton Bank’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Fulton Bank has the most branches. $10,000, best rate first.
This bank’s best
Fulton Bank
4.00%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $231
Certificate of Deposit Promo - New Money
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
Fulton Bank CD score
84
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.35%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo1.01%
- QualifiedQualified4.00%
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 Fulton 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.
Certificate of Deposit Promo - New Money
Up to 4.00%APY · 3 terms
Valid for consumers only. Minimum deposit of $10,000 new money to the bank is required to open and obtain APY. New money is defined as funds not on deposit with Fulton Bank at time of account opening. Preferred Pricing rate bonus not available for this account. A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsRequires $10,000 minimum balance in new money to the bank | 3.80% | $125 |
| 7 monthsRequires $10,000 minimum balance in new money to the bank | 4.00% | $231 |
| 25 monthsRequires $10,000 minimum balance in new money to the bank | 4.00% | $851 |
Sources (3)
All captured Sep 17, 2026
Certificate of Deposit Promo
Up to 3.60%APY · 2 terms
Promotional Certificate of Deposit valid for consumers. There is a $1,000 minimum balance to open the Certificate of Deposit and obtain Annual Percentage Yield (APY). A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsEligible for Preferred Pricing rate bonus when primary/secondary owner also owns Relationship Banking, Premier Relationship Banking, or Private Bank Checking account | 3.60% | $391 |
| 36 months36 Month Bump Up Promotional CD: The interest rate, APY and if applicable, Preferred Pricing rate bonus may be changed once (and only once) during the initial term of the CD upon written request. No new money may be added when exercising the bump-up option | 3.20% | $991 |
Sources (1)
- fultonbank.com/Rates · captured Sep 17, 2026
Certificates of Deposit
Up to 3.35%APY · 12 terms
Standard Certificate of Deposit. There is a $1,000 minimum balance to open the Certificate of Deposit and obtain Annual Percentage Yield (APY). A penalty will be imposed for early withdrawal. Preferred Pricing rate bonus may be available with qualifying relationship checking account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.70% | $17 |
| 6 months | 0.70% | $35 |
| 9 months | 0.70% | $52 |
| 9 months9 Month No Penalty CD: Funds must remain on deposit at least seven days after which a full withdrawal is allowed without penalty. 9 Month No Penalty CD is not available as an IRA account | 3.35% | $250 |
| 12 months | 0.70% | $70 |
| 15 months | 0.95% | $119 |
| 18 months | 0.95% | $143 |
| 24 months | 0.95% | $191 |
| 30 months | 1.01% | $254 |
| 36 months | 1.01% | $306 |
| 48 months | 1.01% | $410 |
| 60 months | 1.01% | $515 |
| 72 months | 1.01% | $622 |
Sources (1)
- fultonbank.com/Rates · captured Sep 17, 2026
Special-purpose accounts
IRA Certificate of Deposit Promo - New Money
Up to 4.00%APY · 3 terms
Individual Retirement Account (IRA) promotional certificates of deposit. Requires $1,000 minimum balance of new money to open and obtain APY. New money is defined as funds not on deposit with Fulton Bank at time of account opening. Preferred Pricing rate bonus not available for this account. A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsRequires $1,000 minimum balance in new money to the bank for IRA certificates of deposit | 3.80% | $125 |
| 7 monthsRequires $1,000 minimum balance in new money to the bank for IRA certificates of deposit | 4.00% | $231 |
| 25 monthsRequires $1,000 minimum balance in new money to the bank for IRA certificates of deposit | 4.00% | $851 |
Sources (3)
All captured Sep 17, 2026
IRA Certificate of Deposit Promo
Up to 3.60%APY · 2 terms
Individual Retirement Account (IRA) promotional certificates of deposit. There is a $1,000 minimum balance to open the Certificate of Deposit and obtain Annual Percentage Yield (APY). A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsEligible for Preferred Pricing rate bonus when primary/secondary owner also owns Relationship Banking, Premier Relationship Banking, or Private Bank Checking account | 3.60% | $391 |
| 36 months36 Month Bump Up Promotional CD: The interest rate, APY and if applicable, Preferred Pricing rate bonus may be changed once (and only once) during the initial term of the CD upon written request. No new money may be added when exercising the bump-up option | 3.20% | $991 |
Sources (1)
- fultonbank.com/Rates · captured Sep 17, 2026
IRA Certificates of Deposit
Up to 1.01%APY · 12 terms
Individual Retirement Account (IRA) certificates of deposit are eligible. There is a $1,000 minimum balance to open the Certificate of Deposit and obtain Annual Percentage Yield (APY). A penalty will be imposed for early withdrawal. 9 Month No Penalty CD and 12 Month Variable Rate CD are not available as IRA accounts. Preferred Pricing rate bonus may be available with qualifying relationship checking account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.70% | $17 |
| 6 months | 0.70% | $35 |
| 9 months | 0.70% | $52 |
| 12 months | 0.70% | $70 |
| 15 months | 0.95% | $119 |
| 18 months | 0.95% | $143 |
| 24 months | 0.95% | $191 |
| 30 months | 1.01% | $254 |
| 36 months | 1.01% | $306 |
| 48 months | 1.01% | $410 |
| 60 months | 1.01% | $515 |
| 72 months | 1.01% | $622 |
Sources (1)
- fultonbank.com/Rates · captured Sep 17, 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.