Bank · FDIC insured
QNB Bank CD Rates
QNB Bank’s best CD rate is 4.00% APY on a 1-year CD. Terms run from 1 month to 13 months. Rates checked October 16, 2026.
How QNB Bank’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where QNB Bank has the most branches. $10,000, best rate first.
This bank’s best
QNB Bank
4.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $400
Founders' CD Special
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Founders' CD Special
4.00%APY · 1 term
Limited-time offer celebrating QNB Bank's 149th Founders' Day Anniversary. Excludes IRA, trust, estate, and municipal accounts. Penalty fees may apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsStandard deposit account opening; $100 minimum for QuiNBy's CDs. At maturity, CDs automatically renew to a non-promotional 12-month term at prevailing APY | 4.00% | $400 |
Sources (1)
- qnbbank.com/anniversary-cd · captured Sep 25, 2026
Relationship Rate CD Special
Up to 4.00%APY · 2 terms
Limited time offer. Customers must own a personal QNB checking account in good standing at the time of CD account opening. Excludes IRA, business, trust, and municipal accounts. Penalty fees may apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsRequires a personal QNB checking account in good standing ($100 minimum deposit for QuiNBy's CDs). No minimum balance requirement. Automatically renews to non-promotional 7-month term at prevailing APY | 3.75% | $217 |
| 13 monthsRequires a personal QNB checking account in good standing ($100 minimum deposit for QuiNBy's CDs). No minimum balance requirement. Automatically renews to non-promotional 13-month term at prevailing APY | 4.00% | $434 |
Sources (1)
- qnbbank.com/cd-sale · captured Sep 25, 2026
CD Special
Up to 3.75%APY · 2 terms
Limited time offer for individuals without a personal QNB checking account. Excludes IRA, business, trust, and municipal accounts. Penalty fees may apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsQNB checking account not required ($100 minimum deposit for QuiNBy's CDs). No minimum balance requirement. Automatically renews to non-promotional 7-month term at prevailing APY | 3.55% | $206 |
| 13 monthsQNB checking account not required ($100 minimum deposit for QuiNBy's CDs). No minimum balance requirement. Automatically renews to non-promotional 13-month term at prevailing APY | 3.75% | $407 |
Sources (1)
- qnbbank.com/cd-sale · captured Sep 25, 2026
Flex 12 Growth CD
0.25%APY · 1 term
Compounded interest. Early withdrawal penalties may apply. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months$100.00 minimum for QuiNBy's CDs | 0.25% | $25 |
Sources (1)
- qnbbank.com/rates · captured Sep 25, 2026
Growth CD
Up to 0.25%APY · 4 terms
Compounded interest. Early withdrawal penalties may apply. Fees may reduce earnings.
| Term | APY · Any balance | APY · $500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 1 monthTerm: 30 - 59 days. $100,000.00 minimum tier | — | — | 0.10% | —0.10% from $100k | — |
| 2 monthsTerm: 60 - 89 days. $100,000.00 minimum tier | — | — | 0.10% | —0.10% from $100k | — |
| 3 months | — | 0.20% | — | 0.20% | $5 |
| 3 months$100.00 minimum for QuiNBy's CDs | 0.20% | — | — | 0.20% | $5 |
| 12 months$100,000.00 minimum tier | — | — | 0.25% | —0.25% from $100k | — |
| 12 months$100.00 minimum for QuiNBy's CDs | 0.25% | — | — | 0.25% | $25 |
Sources (1)
- qnbbank.com/rates · captured Sep 25, 2026
Income CD
Up to 0.25%APY · 4 terms
Simple interest paid at an annual rate. Requires interest be deposited into a QNB savings, checking, or money market account. Income CDs are available for in-branch account opening only. Early withdrawal penalties may apply. Fees may reduce earnings.
| Term | APY · Any balance | APY · $5,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 1 monthTerm: 30 - 59 days. $100,000.00 minimum tier. Simple interest paid at an annual rate | — | — | 0.10% | —0.10% from $100k | — |
| 2 monthsTerm: 60 - 89 days. $100,000.00 minimum tier. Simple interest paid at an annual rate | — | — | 0.10% | —0.10% from $100k | — |
| 3 months | — | 0.20% | — | 0.20% | $5 |
| 3 monthsSimple interest paid at an annual rate | 0.20% | — | — | 0.20% | $5 |
| 12 months | — | 0.25% | — | 0.25% | $25 |
| 12 monthsSimple interest paid at an annual rate | 0.25% | — | — | 0.25% | $25 |
Sources (1)
- qnbbank.com/rates · captured Sep 25, 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.