Bank · FDIC insured
URSB Bank CD Rates
URSB Bank’s best CD rate is 4.50% APY on a 15-month CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How URSB Bank’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where URSB Bank has the most branches. $10,000, best rate first.
This bank’s best
URSB Bank
4.50%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $566
Certificate 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
URSB Bank CD score
85
CD score
Higher than 71% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.50%
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 URSB 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 4.50%APY · 10 terms
Interest is compounded and credited monthly. Automatic renewal at maturity. Penalty may be imposed for early withdrawal. No monthly service fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest compounded monthly. Early withdrawal penalty may apply | 3.00% | $149 |
| 7 monthsInterest compounded monthly. Early withdrawal penalty may apply | 3.00% | $174 |
| 9 monthsInterest compounded monthly. Early withdrawal penalty may apply | 3.00% | $224 |
| 12 monthsInterest compounded monthly. Early withdrawal penalty may apply | 3.00% | $300 |
| 15 monthsInterest compounded monthly. Early withdrawal penalty may apply | 4.50% | $566 |
| 18 monthsInterest compounded monthly. Early withdrawal penalty may apply | 3.00% | $453 |
| 24 monthsInterest compounded monthly. Early withdrawal penalty may apply | 3.00% | $609 |
| 30 monthsInterest compounded monthly. Early withdrawal penalty may apply | 3.50% | $898 |
| 48 monthsInterest compounded monthly. Early withdrawal penalty may apply | 3.00% | $1,255 |
| 60 monthsInterest compounded monthly. Early withdrawal penalty may apply | 3.00% | $1,593 |
Sources (2)
All captured Oct 22, 2026
URSB PERKS CD
3.50%APY · 4 terms
Must maintain a Perks Checking or Perks with Interest Checking account with a minimum daily account balance of $2,500 with at least one direct deposit into the account during every monthly statement cycle. Failure to satisfy these conditions during the initial term of this Certificate of Deposit will result in a forfeiture of this higher rate. The Bank may reduce the interest rate on this Certificate of Deposit to the then current standard CD rate, which reduction shall be applied throughout the remaining term of the Certificate of Deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsMust maintain Perks Checking or Perks with Interest Checking with $2,500 minimum daily balance and at least one direct deposit per monthly statement cycle. Monthly compounding | 3.50% | $203 |
| 12 monthsMust maintain Perks Checking or Perks with Interest Checking with $2,500 minimum daily balance and at least one direct deposit per monthly statement cycle. Monthly compounding | 3.50% | $350 |
| 18 monthsMust maintain Perks Checking or Perks with Interest Checking with $2,500 minimum daily balance and at least one direct deposit per monthly statement cycle. Monthly compounding | 3.50% | $530 |
| 24 monthsMust maintain Perks Checking or Perks with Interest Checking with $2,500 minimum daily balance and at least one direct deposit per monthly statement cycle. Monthly compounding | 3.50% | $712 |
Sources (1)
- ursb.bank/personal/deposit-rates/cd-deposit-rates · captured Oct 22, 2026
Special-purpose accounts
Individual Retirement Account (IRA) CD
Up to 4.50%APY · 10 terms
Traditional or Roth IRA certificates. URSB may impose a penalty on a CD IRA account if principal is withdrawn before maturity date. Compounded monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest compounded monthly. Penalty for early withdrawal of principal before maturity | 3.00% | $149 |
| 7 monthsInterest compounded monthly. Penalty for early withdrawal of principal before maturity | 3.00% | $174 |
| 9 monthsInterest compounded monthly. Penalty for early withdrawal of principal before maturity | 3.00% | $224 |
| 12 monthsInterest compounded monthly. Penalty for early withdrawal of principal before maturity | 3.00% | $300 |
| 15 monthsInterest compounded monthly. Penalty for early withdrawal of principal before maturity | 4.50% | $566 |
| 18 monthsInterest compounded monthly. Penalty for early withdrawal of principal before maturity | 3.00% | $453 |
| 24 monthsInterest compounded monthly. Penalty for early withdrawal of principal before maturity | 3.00% | $609 |
| 30 monthsInterest compounded monthly. Penalty for early withdrawal of principal before maturity | 3.50% | $898 |
| 48 monthsInterest compounded monthly. Penalty for early withdrawal of principal before maturity | 3.00% | $1,255 |
| 60 monthsInterest compounded monthly. Penalty for early withdrawal of principal before maturity | 3.00% | $1,593 |
Sources (2)
All captured Oct 22, 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.