Bank · FDIC insured
Quaint Oak Bank CD Rates
Top CarrotQuaint Oak Bank’s best CD rate is 4.15% APY on a 1-year CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Quaint Oak Bank’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Quaint Oak Bank has the most branches. $10,000, best rate first.
This bank’s best
Quaint Oak Bank
4.15%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $415
Certificates of Deposit
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
Quaint Oak Bank CD score
89
CD score
Higher than 89% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.45%
- QualifiedQualified4.15%
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 Quaint Oak 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.
Certificates of Deposit
Up to 4.15%APY · 7 terms
Certificates of deposit accounts carry a substantial penalty for early withdrawal. All rates are subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty applies | 4.10% | $203 |
| 12 monthsEarly withdrawal penalty applies | 4.15% | $415 |
| 18 monthsEarly withdrawal penalty applies | 3.95% | $598 |
| 24 monthsEarly withdrawal penalty applies | 4.00% | $816 |
| 36 monthsEarly withdrawal penalty applies | 3.45% | $1,071 |
| 48 monthsEarly withdrawal penalty applies | 3.45% | $1,453 |
| 60 monthsEarly withdrawal penalty applies | 3.45% | $1,848 |
Sources (7)
- quaintoak.com/personal-banking/deposit-products
- quaintoak.com/personal-banking…osit-products/cd-account
- quaintoak.com/personal-banking…ts/cd-account/6-month-cd
- quaintoak.com/personal-banking…s/cd-account/12-month-cd
- quaintoak.com/personal-banking…s/cd-account/18-month-cd
- quaintoak.com
- quaintoak.com/personal-banking…cts/cd-account/2-year-cd
All captured Oct 6, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.15%APY · 7 terms
Quaint Oak Bank's IRA CDs offer terms ranging from 6 months to 5 years. Minimum deposit is $500.00. Substantial penalty for early withdrawal. All rates are subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty applies | 4.10% | $203 |
| 12 monthsEarly withdrawal penalty applies | 4.15% | $415 |
| 18 monthsEarly withdrawal penalty applies | 3.95% | $598 |
| 24 monthsEarly withdrawal penalty applies | 4.00% | $816 |
| 36 monthsEarly withdrawal penalty applies | 3.45% | $1,071 |
| 48 monthsEarly withdrawal penalty applies | 3.45% | $1,453 |
| 60 monthsEarly withdrawal penalty applies | 3.45% | $1,848 |
Sources (2)
All captured Oct 6, 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.