Bank · FDIC insured
Somerset Regal Bank CD Rates
Somerset Regal Bank’s best CD rate is 2.50% APY on a 10-month CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Somerset Regal Bank’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Somerset Regal Bank has the most branches. $10,000, best rate first.
This bank’s best
Somerset Regal Bank
2.50%APY
- Term
- 10 months
- Minimum
- $500
- Earns on $10,000
- $208
Certificates of Deposit
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Somerset Regal Bank CD score
61
CD score
Higher than 4% of U.S. banks and credit unions
- 3–8 months3–8 mo0.10%
- 9–15 months9–15 mo2.50%
- 16–30 months16–30 mo0.25%
- 31–60 months31–60 mo0.55%
- QualifiedQualified2.50%
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 Somerset Regal 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 2.50%APY · 13 terms
Minimum balance to open an account and earn interest is $500. Annual Percentage Yields (APYs) are subject to change without notice. Bank policy requires a substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.10% | $5 |
| 9 months | 0.10% | $7 |
| 10 months | 2.50% | $208 |
| 12 months | 0.20% | $20 |
| 13 months | 0.15% | $16 |
| 15 months | 0.20% | $25 |
| 18 months | 0.20% | $30 |
| 24 months | 0.25% | $50 |
| 30 months | 0.25% | $63 |
| 36 months | 0.35% | $105 |
| 42 months | 0.35% | $123 |
| 48 months | 0.40% | $161 |
| 60 months | 0.55% | $278 |
Sources (1)
- somersetregalbank.com/home/rates/current-deposit-rates · captured Oct 4, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 4.60%APY · 13 terms
Minimum balance to open an account and earn interest is $500, except for the Variable IRA which has a $100 minimum. Annual Percentage Yields (APYs) are subject to change without notice. Bank policy requires a substantial penalty for early withdrawal.
| Term | APY · $100 and up | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | — | 0.10% | 0.10% | $5 |
| 9 months | — | 0.10% | 0.10% | $7 |
| 10 months | — | 2.50% | 2.50% | $208 |
| 12 months | — | 0.20% | 0.20% | $20 |
| 13 months | — | 0.15% | 0.15% | $16 |
| 15 months | — | 0.20% | 0.20% | $25 |
| 18 months | — | 0.20% | 0.20% | $30 |
| 18 monthsVariable IRA rate and yield may change during the term. Additional deposits can be made to the Variable IRA in increments of $50 or more without extending the term. Minimum balance to open and earn interest is $100 | 4.60% | — | 4.60% | $698 |
| 24 months | — | 0.25% | 0.25% | $50 |
| 30 months | — | 0.25% | 0.25% | $63 |
| 36 months | — | 0.35% | 0.35% | $105 |
| 42 months | — | 0.35% | 0.35% | $123 |
| 48 months | — | 0.40% | 0.40% | $161 |
| 60 months | — | 0.55% | 0.55% | $278 |
Sources (1)
- somersetregalbank.com/home/rates/current-deposit-rates · captured Oct 4, 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.