CD Rates
Highest Bump-Up CD Rates
The highest bump-up CD rate on Banksparency is 4.35% APY, advertised by Rising Bank on its Rising CD 18-Month. This page tracks 171 active bump-up CDs from 89 banks.
By Aviel Fahl
|Bump-Up CD Rate Summary
89 banks tracked in this category.
The mean of all tracked bump-up CD APYs is 2.55%. The FDIC national average for 12-month CDs is 1.73% as of Sep 2026. The effective federal funds rate is 3.88% as of Oct 1, 2026.
Market Snapshot
Top 10 Range
4.06%–4.35% APY
Average APY
2.55% APY
The mean of all tracked bump-up CDs
FDIC National Average
1.73%
12-month CDs, cap 5.74% · Sep 2026
Fed funds rate
3.88%
As of Oct 1, 2026
What a higher rate is worth
A year at the FDIC national average returns about $173 in interest on a $10,000 balance. The highest bump-up CDs we track advertise 4.06%–4.35% APY.
The neighbouring rankings, if this is not the account you want:
Latest Rate Changes
Review every rate change captured for the selected timeframe.
Effective Federal Funds Rate
Policy rate benchmark
- Rising Bank
Rising CD 18-Month
4.35% APY+1.30 percentage points - The Payne County Bank
42 Month Elevator CD
3.75% APY+1.00 percentage points - The Payne County Bank
30 Month Elevator CD
3.50% APY+0.80 percentage points - Marcus by Goldman Sachs
20-Month Rate Bump CD
4.35% APY+0.60 percentage points - Washington Savings Bank
36 Month Bump CD
3.70% APY+0.51 percentage points - Hiawatha National Bank
20 Month Premium CD Special
4.22% APY+0.16 percentage points - The State Bank of Faribault
39 Month Change a Rate CD Special
3.50% APY+0.11 percentage points
Highest Bump-Up CD Rates Right Now
Ordered by highest APY. The top 50 of 171 products tracked.
Rising Bank leads at 4.35% APY on its Rising CD 18-Month. The tenth-ranked bump-up CD rate is 4.06%, so the top ten span 0.29 points. The leader is 2.5 times the FDIC national average of 1.73%.
Rising Bank
Rising CD 18-Month · 18 months
Marcus by Goldman Sachs
20-Month Rate Bump CD · 20 months
State Savings Bank
55 Month Special Flex CD · 55 months
| # | Institution & CD | Rate & Features | Minimum Deposit | Actions |
|---|---|---|---|---|
| #1 | 4.35%APY Observed: Oct 5, 2026 Available nationwide Branches: None | $5,000 | ||
| #2 | 4.35%APY Observed: Oct 5, 2026 Available nationwide Branches: None | $500 | ||
| #3 | 4.32%APY Observed: Oct 5, 2026 Branches: Yes | $2,000 | ||
| #4 | 4.25%APY Observed: Oct 5, 2026 | $100,000 | ||
| #5 | 4.22%APY Observed: Oct 5, 2026 | $5,000 | ||
| #6 | 4.22%APY Observed: Oct 5, 2026 Branches: Yes | $2,000 | ||
| #7 | 4.20%APY Observed: Oct 5, 2026 | $100,000 | ||
| #8 | 4.14%APY Observed: Oct 5, 2026 | $1,000 | ||
| #9 | 4.10%APY Observed: Oct 3, 2026 Branches: Yes | $2,500 | ||
| #10 | 4.06%APY Observed: Oct 5, 2026 Branches: Yes | $2,000 | ||
| #11 | 4.06%APY Observed: Oct 5, 2026 Branches: Yes | $50,000 | ||
| #12 | 4.06%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #13 | 4.04%APY Observed: Oct 5, 2026 | $1,000 | ||
| #14 | First National Bank of Hereford 18 Month Raise Your Rate CD (With Transaction Account) Term: 18 months | 3.96%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | |
| #15 | 3.91%APY Observed: Oct 5, 2026 Branches: Yes | $2,000 | ||
| #16 | 3.90%APY Observed: Sep 30, 2026 Branches: Yes | $1,000 | ||
| #17 | 3.89%APY Observed: Oct 5, 2026 | $1,000 | ||
| #18 | 3.86%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #19 | 3.82%APY Observed: Sep 30, 2026 Branches: Yes | N/A | ||
| #20 | 3.80%APY Observed: Oct 5, 2026 Branches: Yes | $2,000 | ||
| #21 | 3.80%APY Observed: Sep 30, 2026 Branches: Yes | $5,000 | ||
| #22 | 3.80%APY Observed: Oct 5, 2026 Branches: Yes | $2,000 | ||
| #23 | 3.80%APY Observed: Oct 5, 2026 Branches: Yes | $2,000 | ||
| #24 | 3.79%APY Observed: Oct 5, 2026 | $1,000 | ||
| #25 | 3.75%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #26 | 3.75%APY Observed: Sep 30, 2026 Branches: Yes | $1,000 | ||
| #27 | 3.75%APY Observed: Oct 5, 2026 Branches: Yes | $1,000 | ||
| #28 | 3.75%APY Observed: Oct 5, 2026 Branches: Yes | $1,000 | ||
| #29 | 3.72%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #30 | 3.70%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #31 | 3.70%APY Observed: Sep 30, 2026 Branches: Yes | $5,000 | ||
| #32 | 3.70%APY Observed: Sep 30, 2026 Branches: Yes | $100,000 | ||
| #33 | 3.70%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #34 | 3.70%APY Observed: Oct 2, 2026 Branches: Yes | $2,500 | ||
| #35 | 3.65%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #36 | 3.65%APY Observed: Sep 30, 2026 Branches: Yes | $1,000 | ||
| #37 | 3.65%APY Observed: Sep 30, 2026 Branches: Yes | $5,000 | ||
| #38 | 3.60%APY Observed: Sep 30, 2026 Branches: Yes | $10,000 | ||
| #39 | 3.56%APY Observed: Sep 30, 2026 | $100 | ||
| #40 | 3.55%APY Observed: Sep 30, 2026 Branches: Yes | $500 | ||
| #41 | 3.55%APY Observed: Oct 5, 2026 Branches: Yes | $1,000 | ||
| #42 | 3.55%APY Observed: Oct 5, 2026 Branches: Yes | $1,000 | ||
| #43 | 3.55%APY Observed: Oct 5, 2026 Branches: Yes | $1,000 | ||
| #44 | 3.50%APY Observed: Sep 30, 2026 Branches: Yes | $500 | ||
| #45 | 3.50%APY Observed: Oct 5, 2026 Branches: Yes | $1,000 | ||
| #46 | 3.50%APY Observed: Sep 30, 2026 Branches: Yes | $2,500 | ||
| #47 | 3.50%APY Observed: Oct 3, 2026 Branches: Yes | $10,000 | ||
| #48 | 3.50%APY Observed: Oct 3, 2026 Branches: Yes | $10,000 | ||
| #49 | 3.49%APY Observed: Sep 30, 2026 Branches: Yes | $500 | ||
| #50 | 3.49%APY Observed: Sep 30, 2026 Branches: Yes | $1,000 |
$5,000
None
$500
None
$2,000
Yes
$100,000
N/A
$5,000
N/A
$2,000
Yes
$100,000
N/A
$1,000
N/A
$2,500
Yes
$2,000
Yes
$50,000
Yes
$500
Yes
$1,000
N/A
18 Month Raise Your Rate CD (With Transaction Account)
Term: 18 months
$1,000
Yes
$2,000
Yes
$1,000
Yes
$1,000
N/A
$1,000
Yes
N/A
Yes
$2,000
Yes
$5,000
Yes
$2,000
Yes
$2,000
Yes
$1,000
N/A
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$5,000
Yes
$100,000
Yes
$1,000
Yes
$2,500
Yes
$500
Yes
$1,000
Yes
$5,000
Yes
$10,000
Yes
$100
N/A
$500
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
$2,500
Yes
$10,000
Yes
$10,000
Yes
$500
Yes
$1,000
Yes
Bump-Up CD rate questions
What is the highest bump-up CD rate right now?
Rising Bank advertises 4.35% APY on its Rising CD 18-Month, the highest of 171 active bump-up CDs tracked on Banksparency.
What is the average bump-up CD rate?
The mean of all 171 tracked bump-up CD APYs is 2.55%. It is a plain mean across every tracked product.
How do the top bump-up CD rates compare with the FDIC national average?
The ten highest advertised rates run from 4.06% to 4.35% APY, against an FDIC national average of 1.73%. The FDIC national rate cap for 12-month CDs is 5.74%.
When were these bump-up CD rates last observed?
The newest reading on this page is from Monday, October 5, 2026. Banksparency reads each institution's advertised rate on that institution's own website, and it records the date of each reading. Some rates on this page carry an earlier date. A rate can change at any time, so confirm it with the institution before you open an account.