Bank · FDIC insured
Wayne Bank CD Rates
Wayne Bank’s best CD rate is 4.00% APY on a 20-month CD, with extra requirements. Terms run from 7 months to 5 years. Rates checked October 16, 2026.
How Wayne Bank’s CD rates compare
Compared with banks and credit unions near Monticello, NY, where Wayne Bank has the most branches. $10,000, best rate first.
This bank’s best
Wayne Bank
4.00%APY
- Term
- 20 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $676
Certificate of Deposit (CD)
2nd-highest rate
Hudson Valley Credit Union
3.88%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $750
- Earns on $10,000
- $388
3rd-highest rate
M&T Bank
3.85%APY
- Term
- 18 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $583
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit (CD)
Up to 4.00%APY · 11 terms
Wayne Bank provides a full range of options with high interest for Certificate of Deposit investors. Consult a tax advisor regarding tax implications involved in IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| Unknown182 – 364 Days | 0.45% | $0 |
| Unknown32 – 90 Days | 0.30% | $0 |
| Unknown91 – 181 Days | 0.40% | $0 |
| 7 months7 Month Promo with Checking Account | 3.85% | $223 |
| 12–23 months | 0.55% | $55 |
| 20 months20 Month Promo with Checking Account | 4.00% | $676 |
| 24–35 months | 0.60% | $120 |
| 24 monthsAdd-On (Building Block) CD (24 Months). Flexibility to add money throughout the term while earning a competitive rate. Make one penalty-free full or partial withdrawal during the initial term | 0.50% | $100 |
| 36–47 months | 0.70% | $211 |
| 36 months36 Month Bump Up | 0.70% | $211 |
| 48–59 months | 0.80% | $324 |
| 48 months48 Month Bump Up | 0.80% | $324 |
| 60 months | 1.00% | $510 |
Sources (1)
- wayne.bank/personal/savings/certificates-of-deposit · captured Oct 16, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.00%APY · 11 terms
Wayne Bank IRA Certificates of Deposit can help you set aside money for retirement while taking advantage of potential tax benefits, with a predictable rate to help your savings grow over time. Consult a tax advisor regarding tax implications involved in IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| Unknown182 – 364 Days | 0.45% | $0 |
| Unknown32 – 90 Days | 0.30% | $0 |
| Unknown91 – 181 Days | 0.40% | $0 |
| 7 months7 Month Promo with Checking Account | 3.85% | $223 |
| 12–23 months | 0.55% | $55 |
| 20 months20 Month Promo with Checking Account | 4.00% | $676 |
| 24–35 months | 0.60% | $120 |
| 24 monthsAdd-On (Building Block) CD (24 Months). Flexibility to add money throughout the term while earning a competitive rate. Make one penalty-free full or partial withdrawal during the initial term | 0.50% | $100 |
| 36–47 months | 0.70% | $211 |
| 36 months36 Month Bump Up | 0.70% | $211 |
| 48–59 months | 0.80% | $324 |
| 48 months48 Month Bump Up | 0.80% | $324 |
| 60 months | 1.00% | $510 |
Sources (1)
- wayne.bank/personal/savings/certificates-of-deposit · captured Oct 16, 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.