Bank · FDIC insured
G.W. Jones Exchange Bank CD Rates
G.W. Jones Exchange Bank’s best CD rate is 3.30% APY on an 8-month CD. Terms run from 1 month to 6 years. Rates checked October 16, 2026.
How G.W. Jones Exchange Bank’s CD rates compare
Compared with banks and credit unions near South Bend, IN-MI, where G.W. Jones Exchange Bank has the most branches. $10,000, best rate first.
This bank’s best
G.W. Jones Exchange Bank
3.30%APY
- Term
- 8 months
- Minimum
- $1,000
- Earns on $10,000
- $219
Certificate of Deposit
Top rate
INOVA Federal Credit Union
4.75%APY
- Term
- 20 months
- Minimum
- $200
- Earns on $10,000
- $804
2nd-highest rate
Everwise Credit Union
4.47%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $562
G.W. Jones Exchange Bank CD score
65
CD score
Higher than 15% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo1.51%
- 16–30 months16–30 mo1.61%
- 31–60 months31–60 mo2.12%
- QualifiedQualified3.30%
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 G.W. Jones Exchange 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
Up to 3.30%APY · 11 terms
$500 minimum deposit to open ($1,000 for Special Rates). Subject to early withdrawal penalties. Interest may be compounded or transferred to another deposit account at G.W. Jones Exchange Bank. Interest must be paid or compounded at least annually on Time Deposits with a term greater than one year. Rate may change after account is opened.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1 month7 - 30 Days | 0.25% | — | 0.25% | $0 |
| 1–3 months31 - 90 Days | 0.50% | — | 0.50% | $4 |
| 3–6 months91 - 180 Days | 0.75% | — | 0.75% | $19 |
| 6–12 months181 - 364 Days | 0.80% | — | 0.80% | $40 |
| 8 months8 Month Special | — | 3.30% | 3.30% | $219 |
| 12 months | 1.51% | — | 1.51% | $151 |
| 24 months | 1.61% | — | 1.61% | $325 |
| 36 months | 1.96% | — | 1.96% | $600 |
| 48 months | 2.07% | — | 2.07% | $854 |
| 60 months | 2.12% | — | 2.12% | $1,106 |
| 72 months | 2.12% | — | 2.12% | $1,341 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Certificate of Deposit
1.51%APY · 1 term
Uses a Certificate of Deposit as its savings vehicle. Traditional IRAs available. Age 59 1/2 and over not subject to early withdrawal penalty. Subject to all applicable federal laws governing IRA administration. Rate may change after account is opened.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months18 Month IRA | 1.51% | $227 |
Sources (2)
All captured Oct 5, 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.