Rate checked November 8, 2026 (today)
Alto Bank 12-month CD rate: 3.00% APY
Alto Bank's 12-month CD pays 3.00% APY. That ranks 52nd of the 69 banks we track for this term. The best is 4.80% at EagleBank.
- APY
- 3.00%
- Last change
- Up 0.50 pts
- Oct 5, 2026
- Last checked
- today
- Nov 8, 2026
What it earns on $25,000
At 3.00%, $25,000 earns about $750 in the first year.
The best 12-month CD earns about $1,200 on the same money. Choosing Alto Bank instead gives up about $450 a year.
The middle 12-month rate across 69 banks is 4.05%. Figures are first-year interest at the quoted APY, before taxes.
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Alto Bank 12-month CD rate over time
- All-time high
- 3.00%Oct 5, 2026
- All-time low
- 2.50%Aug 4, 2026
- Changes
- 1
- Tracked since
- Aug 4, 2026
High and low cover the history we hold (the last two years at most), not the whole life of the account.
Alto Bank 12-month CD rate history
This rate has changed 1 time since we began tracking it on August 4, 2026.
| Date | APY | Change |
|---|---|---|
| October 5, 2026 | 3.00% | +0.50 pts |
| August 4, 2026 | 2.50% | First tracked |
Banks that pay more for a 12-month CD
- EagleBank4.80%
- BTG Pactual Bank4.65%
- CFG Bank4.65%
Alto Bank CD rates for other terms
Other Alto Bank rates
Questions
What is Alto Bank's 12-month CD rate?
Alto Bank pays 3.00% APY on its 12-month CD, based on its own rate page when we last checked. That earns about $750 a year on $25,000.
Is Alto Bank's 12-month CD rate good?
It ranks 52nd of the 69 banks we track for this term. The best rate for this term is 4.80% at EagleBank, and the middle rate is 4.05%. Choosing Alto Bank over the best costs about $450 a year on $25,000.
Which banks pay more than Alto Bank on a 12-month CD?
EagleBank (4.80%), BTG Pactual Bank (4.65%), CFG Bank (4.65%).
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