Bank · FDIC insured
HAB Bank CD Rates
HAB Bank’s best CD rate is 4.50% APY on an 11-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How HAB Bank’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where HAB Bank has the most branches. $10,000, best rate first.
This bank’s best
HAB Bank
4.50%APY
- Term
- 11 months
- Minimum
- —
- Earns on $10,000
- $412
Certificate of 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
HAB Bank CD score
86
CD score
Higher than 74% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo2.75%
- 31–60 months31–60 mo2.50%
- QualifiedQualified4.50%
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 HAB 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 4.50%APY · 9 terms
Compounded daily. Substantial early withdrawal penalties apply. Rates are subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum balance of $1,500 is required to earn the posted APY | 3.65% | $90 |
| 6 monthsMinimum balance of $1,500 is required to earn the posted APY | 3.75% | $186 |
| 11 monthsMinimum balance of $1,500 is required to earn the posted APY | 4.50% | $412 |
| 12 monthsMinimum balance of $1,500 is required to earn the posted APY | 3.85% | $385 |
| 18 monthsMinimum balance of $1,500 is required to earn the posted APY | 2.75% | $415 |
| 24 monthsMinimum balance of $1,500 is required to earn the posted APY | 2.75% | $558 |
| 36 monthsMinimum balance of $1,500 is required to earn the posted APY | 2.50% | $769 |
| 48 monthsMinimum balance of $1,500 is required to earn the posted APY | 2.50% | $1,038 |
| 60 monthsMinimum balance of $1,500 is required to earn the posted APY | 2.50% | $1,314 |
Special-purpose accounts
IRA Certificates
3.85%APY · 1 term
Compounded Daily. Penalty for early withdrawal prior to 59 1/2 years of age. Rates are subject to change. Available as Traditional and Roth IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRate is as per CD rates (12-Month CD rate of 3.85% APY / 3.778% Interest Rate). Minimum balance of $1,500 is required to earn the posted APY | 3.85% | $385 |
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.