Bank · FDIC insured
Quontic Digital Bank CD Rates
Top CarrotQuontic Digital Bank’s best CD rate is 4.00% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Quontic Digital Bank’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Quontic Digital Bank
4.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $400
Certificate of Deposit
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
802 Credit Union
8.02%APY
- Term
- 5 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $327
Quontic Digital Bank CD score
85
CD score
Higher than 69% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo2.85%
- QualifiedQualified4.00%
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 Quontic Digital 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.
Certificate of Deposit
Up to 4.00%APY · 6 terms
Minimum $500 to open account and maintain daily to obtain the disclosed APY. Maximum deposit to open is $1,000,000. Must be a U.S. Citizen and 18 years or older. Early withdrawals before maturity date are subject to penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMust maintain a minimum balance of $500.00 each day to obtain disclosed APY. Maximum deposit to open is $1,000,000. Penalties apply for early withdrawal | 3.66% | $90 |
| 6 monthsMust maintain a minimum balance of $500.00 each day to obtain disclosed APY. Maximum deposit to open is $1,000,000. Penalties apply for early withdrawal | 3.75% | $186 |
| 12 monthsMust maintain a minimum balance of $500.00 each day to obtain disclosed APY. Maximum deposit to open is $1,000,000. Penalties apply for early withdrawal | 4.00% | $400 |
| 24 monthsMust maintain a minimum balance of $500.00 each day to obtain disclosed APY. Maximum deposit to open is $1,000,000. Penalties apply for early withdrawal | 4.00% | $816 |
| 36 monthsMust maintain a minimum balance of $500.00 each day to obtain disclosed APY. Maximum deposit to open is $1,000,000. Penalties apply for early withdrawal | 2.85% | $880 |
| 60 monthsMust maintain a minimum balance of $500.00 each day to obtain disclosed APY. Maximum deposit to open is $1,000,000. Penalties apply for early withdrawal | 2.75% | $1,453 |
Sources (10)
- quontic.com
- quontic.com/banking/savings
- quontic.com/resources/rate-sheet
- quontic.com/banking/savings/certificates-of-deposit
- quontic.com/banking/savings/3-…h-certificate-of-deposit
- quontic.com/banking/savings/6-…h-certificate-of-deposit
- quontic.com/banking/savings/12…h-certificate-of-deposit
- quontic.com/banking/savings/24…h-certificate-of-deposit
- quontic.com/banking/savings/36…h-certificate-of-deposit
- quontic.com/banking/savings/60…h-certificate-of-deposit
All captured Sep 26, 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.