Bank · FDIC insured
Presidential Bank CD Rates
Presidential Bank’s best CD rate is 4.10% APY on a 7-month CD. Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How Presidential Bank’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Presidential Bank has the most branches. $10,000, best rate first.
This bank’s best
Presidential Bank
4.10%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $237
7 Month CD
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
Presidential Bank CD score
88
CD score
Higher than 80% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.10%
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 Presidential 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.
7 Month CD
4.10%APY · 1 term
New money is required (funds not currently held by Presidential Bank from an external source). Early withdrawal penalty applies. Interest compounded and credited at maturity for terms less than 1 year. Fixed rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsNew money only (funds not currently held by Presidential Bank from an external source). Fixed rate for term. Penalty for early withdrawal: 3 months interest. 7 calendar days grace period. Automatically renews at maturity if not withdrawn | 4.10% | $237 |
Sources (2)
All captured Oct 4, 2026
13 Month CD
4.05%APY · 1 term
New money is required (funds not currently held by Presidential Bank from an external source). Early withdrawal penalty applies. Interest compounded and credited monthly for terms 1 year or more. Fixed rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsNew money only (funds not currently held by Presidential Bank from an external source). Fixed rate for term. Penalty for early withdrawal: 6 months interest. 7 calendar days grace period. Automatically renews at maturity if not withdrawn | 4.05% | $439 |
Sources (2)
All captured Oct 4, 2026
182 Day CD
3.85%APY · 1 term
Fixed rate for term. Penalty for early withdrawal: 3 months interest. 7 calendar days grace period. Interest compounded and credited at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFixed rate for term. Penalty for early withdrawal: 3 months interest. 7 calendar days grace period. Interest compounded and credited at maturity. Term is 182 days (~6 months) | 3.85% | $191 |
Sources (2)
All captured Oct 4, 2026
9 Month CD
3.85%APY · 1 term
Fixed rate for term. Penalty for early withdrawal: 4 months interest. 7 calendar days grace period. Interest compounded and credited at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsFixed rate for term. Penalty for early withdrawal: 4 months interest. 7 calendar days grace period. Interest compounded and credited at maturity | 3.85% | $287 |
Sources (2)
All captured Oct 4, 2026
2 Year CD
3.50%APY · 1 term
Fixed rate for term. Penalty for early withdrawal: 12 months interest. 7 calendar days grace period. Interest compounded and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsFixed rate for term. Penalty for early withdrawal: 12 months interest. 7 calendar days grace period. Interest compounded and credited monthly | 3.50% | $712 |
Sources (2)
All captured Oct 4, 2026
3 Year CD
3.25%APY · 1 term
Fixed rate for term. Penalty for early withdrawal: 18 months interest. 7 calendar days grace period. Interest compounded and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsFixed rate for term. Penalty for early withdrawal: 18 months interest. 7 calendar days grace period. Interest compounded and credited monthly | 3.25% | $1,007 |
Sources (2)
All captured Oct 4, 2026
5 Year CD
2.50%APY · 1 term
Fixed rate for term. Penalty for early withdrawal: 24 months interest. 7 calendar days grace period. Interest compounded and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsFixed rate for term. Penalty for early withdrawal: 24 months interest. 7 calendar days grace period. Interest compounded and credited monthly | 2.50% | $1,314 |
Sources (2)
All captured Oct 4, 2026
30 Day CD
0.10%APY · 1 term
Fixed rate for term. Penalty for early withdrawal: 30 days interest. 1 business day grace period. Interest compounded and credited at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthFixed rate for term. Penalty for early withdrawal: 30 days interest. 1 business day grace period. Interest compounded and credited at maturity. Term is 30 days (~1 month) | 0.10% | $1 |
Sources (2)
All captured Oct 4, 2026
60 Day CD
0.10%APY · 1 term
Fixed rate for term. Penalty for early withdrawal: 30 days interest. 7 calendar days grace period. Interest compounded and credited at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 2 monthsFixed rate for term. Penalty for early withdrawal: 30 days interest. 7 calendar days grace period. Interest compounded and credited at maturity. Term is 60 days (~2 months) | 0.10% | $2 |
Sources (2)
All captured Oct 4, 2026
90 Day CD
0.10%APY · 1 term
Fixed rate for term. Penalty for early withdrawal: 3 months interest. 7 calendar days grace period. Interest compounded and credited at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed rate for term. Penalty for early withdrawal: 3 months interest. 7 calendar days grace period. Interest compounded and credited at maturity. Term is 90 days (~3 months) | 0.10% | $2 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
1 Year CD
3.75%APY · 1 term
Fixed rate for term. Penalty for early withdrawal: 6 months interest. 7 calendar days grace period. Automatically renews at maturity if not withdrawn. Interest compounded and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFixed rate for term. Penalty for early withdrawal: 6 months interest. 7 calendar days grace period. Automatically renews at maturity if not withdrawn. Interest compounded and credited monthly. IRA Certificates of Deposit available | 3.75% | $375 |
Sources (2)
All captured Oct 4, 2026
Opening an account
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