Bank · FDIC insured
Orange Bank & Trust CD Rates
Orange Bank & Trust’s best CD rate is 1.51% APY on a 6-month CD. Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Orange Bank & Trust’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Orange Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Orange Bank & Trust
1.51%APY
- Term
- 6 months
- Minimum
- $2,500
- Earns on $10,000
- $75
Certificates 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
Orange Bank & Trust CD score
61
CD score
Higher than 4% of U.S. banks and credit unions
- 3–8 months3–8 mo1.51%
- 9–15 months9–15 mo0.55%
- 16–30 months16–30 mo0.60%
- 31–60 months31–60 mo0.70%
- QualifiedQualified1.51%
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 Orange Bank & Trust 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.
Certificates of Deposit
Up to 1.51%APY · 4 terms
The minimum deposit to open a Certificate of Deposit is $2,500. A monthly service charge may be imposed if the balance goes below the minimum balance requirement or a penalty for early withdrawals may be imposed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsA monthly service charge may be imposed if the balance goes below the minimum balance requirement or a penalty for early withdrawals on certificate of deposit accounts may be imposed. Fees could reduce earnings | 1.51% | $75 |
| 12 monthsA monthly service charge may be imposed if the balance goes below the minimum balance requirement or a penalty for early withdrawals on certificate of deposit accounts may be imposed. Fees could reduce earnings | 0.55% | $55 |
| 24 monthsA monthly service charge may be imposed if the balance goes below the minimum balance requirement or a penalty for early withdrawals on certificate of deposit accounts may be imposed. Fees could reduce earnings | 0.60% | $120 |
| 36 monthsA monthly service charge may be imposed if the balance goes below the minimum balance requirement or a penalty for early withdrawals on certificate of deposit accounts may be imposed. Fees could reduce earnings | 0.70% | $211 |
Sources (1)
- orangebanktrust.com/personal-banking/personal-savings · 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.