Bank · FDIC insured
Rhinebeck Bank CD Rates
Top CarrotRhinebeck Bank’s best CD rate is 4.40% APY on a 2-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Rhinebeck Bank’s CD rates compare
Compared with banks and credit unions near Kiryas Joel, NY, where Rhinebeck Bank has the most branches. $10,000, best rate first.
This bank’s best
Rhinebeck Bank
4.40%APY
- Term
- 24 months
- Minimum
- $2,000
- Earns on $10,000
- $899
Certificate of Deposit
2nd-highest rate
International Bank of Chicago
4.35%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $435
3rd-highest rate
TEG Federal Credit Union
4.35%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,363
Rhinebeck Bank CD score
87
CD score
Higher than 78% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.30%
- 31–60 months31–60 mo1.89%
- QualifiedQualified4.30%
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 Rhinebeck 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 4.40%APY · 10 terms
$2,000 minimum deposit to open a Certificate of Deposit (CD) account. A penalty may be imposed for early withdrawal. To obtain APY, all interest and principal must be left on deposit for full term. Fees may reduce earnings. Interest posted monthly and available for withdrawal. The 7-month, 13-month, 18-month and 2-year CDs are promotional products and can be discontinued at any time. Deposit products, including all CD terms, are available to New York State residents only. Standard FDIC insurance up to $250,000 per depositor.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.61% | $40 |
| 6 months | 1.61% | $80 |
| 7 monthsPromotional CD rate | 3.70% | $214 |
| 12 months | 2.27% | $227 |
| 13 monthsPromotional CD rate | 4.00% | $434 |
| 18 monthsPromotional CD rate | 4.30% | $652 |
| 24 monthsPromotional CD rate | 4.40% | $899 |
| 36 months | 1.89% | $578 |
| 48 months | 1.89% | $778 |
| 60 months | 1.89% | $981 |
Sources (2)
All captured Oct 5, 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.