Bank · FDIC insured
Monet Bank CD Rates
Monet Bank’s best CD rate is 3.85% APY on a 3-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Monet Bank’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where Monet Bank has the most branches. $10,000, best rate first.
This bank’s best
Monet Bank
3.85%APY
- Term
- 3 months
- Minimum
- $25,000
- Earns on $10,000
- —
Certificates of Deposit
Top rate
National Police FCU
4.71%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,481
2nd-highest rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.85%APY · 10 terms
Aggregate deposit balances limited to $1 million per tax identification number. Penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty will be imposed for early withdrawal. Online opening minimum $25,000 (in branch minimum $1,000) | 3.85% | $95 |
| 6 monthsPenalty will be imposed for early withdrawal. Online opening minimum $25,000 (in branch minimum $1,000) | 3.75% | $186 |
| 9 monthsPenalty will be imposed for early withdrawal. Online opening minimum $25,000 (in branch minimum $1,000) | 3.70% | $276 |
| 12 monthsPenalty will be imposed for early withdrawal. Online opening minimum $25,000 (in branch minimum $1,000) | 3.70% | $370 |
| 18 monthsPenalty will be imposed for early withdrawal. Online opening minimum $25,000 (in branch minimum $1,000) | 3.60% | $545 |
| 24 monthsPenalty will be imposed for early withdrawal. Online opening minimum $25,000 (in branch minimum $1,000) | 3.45% | $702 |
| 30 monthsPenalty will be imposed for early withdrawal. Online opening minimum $25,000 (in branch minimum $1,000) | 3.45% | $885 |
| 36 monthsPenalty will be imposed for early withdrawal. Online opening minimum $25,000 (in branch minimum $1,000) | 3.40% | $1,055 |
| 48 monthsPenalty will be imposed for early withdrawal. Online opening minimum $25,000 (in branch minimum $1,000) | 3.40% | $1,431 |
| 60 monthsPenalty will be imposed for early withdrawal. Online opening minimum $25,000 (in branch minimum $1,000) | 3.40% | $1,820 |
Sources (3)
- monet.bank/hubfs/Compliance%20…0Account%20Agreement.pdf
- monet.bank/online-deposit-rates
- monet.bank/deposit-products
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.85%APY · 10 terms
Aggregate deposit balances limited to $1 million per tax identification number. Penalty will be imposed for early withdrawal. Individual Retirement Accounts (IRA) Certificate of Deposits follow standard Certificate of Deposit terms.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty will be imposed for early withdrawal. Online opening minimum $25,000 (in branch minimum $1,000) | 3.85% | $95 |
| 6 monthsPenalty will be imposed for early withdrawal. Online opening minimum $25,000 (in branch minimum $1,000) | 3.75% | $186 |
| 9 monthsPenalty will be imposed for early withdrawal. Online opening minimum $25,000 (in branch minimum $1,000) | 3.70% | $276 |
| 12 monthsPenalty will be imposed for early withdrawal. Online opening minimum $25,000 (in branch minimum $1,000) | 3.70% | $370 |
| 18 monthsPenalty will be imposed for early withdrawal. Online opening minimum $25,000 (in branch minimum $1,000) | 3.60% | $545 |
| 24 monthsPenalty will be imposed for early withdrawal. Online opening minimum $25,000 (in branch minimum $1,000) | 3.45% | $702 |
| 30 monthsPenalty will be imposed for early withdrawal. Online opening minimum $25,000 (in branch minimum $1,000) | 3.45% | $885 |
| 36 monthsPenalty will be imposed for early withdrawal. Online opening minimum $25,000 (in branch minimum $1,000) | 3.40% | $1,055 |
| 48 monthsPenalty will be imposed for early withdrawal. Online opening minimum $25,000 (in branch minimum $1,000) | 3.40% | $1,431 |
| 60 monthsPenalty will be imposed for early withdrawal. Online opening minimum $25,000 (in branch minimum $1,000) | 3.40% | $1,820 |
Sources (2)
All captured Oct 16, 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.