Bank · FDIC insured
Happen Bank CD Rates
Top CarrotHappen Bank’s best CD rate is 4.76% APY on a 2-year CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Happen Bank’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Happen Bank
4.76%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $975
Certificate of Deposit
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
802 Credit Union
8.02%APY
- Term
- 5 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $327
Happen Bank CD score
98
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.40%
- 9–15 months9–15 mo4.65%
- 16–30 months16–30 mo4.76%
- 31–60 months31–60 mo3.45%
- QualifiedQualified4.76%
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 Happen 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 4.76%APY · 10 terms
Minimum opening deposit of $500.00; maximum total deposit of $500,000.00 per account. Additional deposits are not permitted during the term outside of the 10-day grace period. Early withdrawal penalties apply: 90 days simple interest for terms of 1 year or less, 180 days simple interest for terms greater than 1 year. Automatically renews at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.40% | $218 |
| 8 months | 3.50% | $232 |
| 10 months | 3.50% | $291 |
| 11 months | 4.65% | $425 |
| 12 months | 3.50% | $350 |
| 14 months | 3.50% | $410 |
| 18 months | 3.50% | $530 |
| 24 months | 4.76% | $975 |
| 36 months | 3.45% | $1,071 |
| 60 months | 3.40% | $1,820 |
Sources (3)
- happen.com/legal/deposits/cert…ate-of-deposit-agreement
- happen.com/pd/af/personal-savings/cd
- happen.com/personal-deposits/account-rates
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.