Bank · FDIC insured
Rising Bank CD Rates
Top CarrotRising Bank’s best CD rate is 4.51% APY on a 1-year CD. Terms run from 6 months to 3 years. Rates checked October 25, 2026.
How Rising Bank’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Rising Bank
4.51%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $451
Term CD
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
First Federal Credit Union.
7.30%APY
- Term
- 3 months
- Minimum
- $5,000
- Earns on $10,000
- $198
Rising Bank CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo4.05%
- 9–15 months9–15 mo4.51%
- 16–30 months16–30 mo4.35%
- 31–60 months31–60 mo2.55%
- QualifiedQualified4.51%
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 Rising 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.
Term CD
Up to 4.51%APY · 5 terms
Accrued interest is added to account; earns simple interest. Early withdrawal penalty applies: for 1-year CDs, 90 days' interest; for CDs with terms more than 1 year, 180 days' interest. 10-day grace period. Account maximum $1,000,000. Interest credited every 3 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest credited every 3 months. Account maximum $1,000,000. Early withdrawal penalty may apply | 4.05% | $200 |
| 12 monthsInterest credited every 3 months. Account maximum $1,000,000. Early withdrawal penalty of 90 days' interest may apply | 4.51% | $451 |
| 15 monthsInterest credited every 3 months. Account maximum $1,000,000. Early withdrawal penalty may apply | 4.51% | $567 |
| 24 monthsInterest credited every 3 months. Account maximum $1,000,000. Early withdrawal penalty of 180 days' interest may apply | 4.30% | $878 |
| 36 monthsInterest credited every 3 months. Account maximum $1,000,000. Early withdrawal penalty of 180 days' interest may apply | 2.55% | $785 |
Sources (4)
- risingbank.com/personal-banking/certificate-of-deposits
- risingbank.com/personal-bankin…ate-of-deposits/term-cds
- risingbank.com/rates
- risingbank.com
All captured Oct 25, 2026
Rising CD
Up to 4.35%APY · 2 terms
Bump-up CDs that give the ability to raise the rate and add more money to the account during the term if rates increase. Interest credited every 3 months. Account maximum $1,000,000. Early withdrawal penalty may apply.
| Term | APY · $5,000 – $1,000,000 | APY · $10,000 – $1,000,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 18 monthsBump-up CD with ability to raise rate and add money during term. Interest credited every 3 months. Account maximum $1,000,000. Early withdrawal penalty may apply | 4.35% | — | 4.35% | $660 |
| 26 monthsBump-up CD with ability to raise rate and add money during term. Interest credited every 3 months. Account maximum $1,000,000. Early withdrawal penalty may apply | — | 3.15% | 3.15% | $695 |
Sources (3)
- risingbank.com/personal-banking/certificate-of-deposits
- risingbank.com/personal-bankin…osits/rising-bump-up-cds
- risingbank.com/rates
All captured Oct 25, 2026
No Penalty CD
3.75%APY · 1 term
No early withdrawal penalty, but interest that has accrued and has not been credited will not be paid upon termination. No withdrawals permitted during the first six days following receipt of funds. Interest credited every 3 months. Account maximum $1,000,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsNo early withdrawal penalty. Interest that has accrued, but has not been credited to the CD will NOT be paid upon termination | 3.75% | $471 |
Sources (2)
All captured Oct 25, 2026
Jumbo CD
3.25%APY · 1 term
For larger deposits. Early withdrawal penalty may apply. Interest credited every 3 months. Account maximum $1,000,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsInterest credited every 3 months. Account maximum $1,000,000. Early withdrawal penalty may apply | 3.25% | — |
Sources (3)
- risingbank.com/personal-banking/certificate-of-deposits
- risingbank.com/personal-bankin…te-of-deposits/jumbo-cds
- risingbank.com/rates
All captured Oct 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.