Rate checked November 8, 2026 (today)
Emigrant Bank 12-month CD rate: 1.25% APY
Emigrant Bank's 12-month CD pays 1.25% APY. That ranks 60th of the 69 banks we track for this term. The best is 4.80% at EagleBank.
- APY
- 1.25%
- Last change
- None yet
- Tracked since Aug 4, 2026
- Last checked
- today
- Nov 8, 2026
What it earns on $25,000
At 1.25%, $25,000 earns about $313 in the first year.
The best 12-month CD earns about $1,200 on the same money. Choosing Emigrant Bank instead gives up about $887 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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Emigrant Bank 12-month CD rate history
We have tracked this rate since August 4, 2026 and it has not changed.
| Date | APY | Change |
|---|---|---|
| August 4, 2026 | 1.25% | First tracked |
Banks that pay more for a 12-month CD
- EagleBank4.80%
- BTG Pactual Bank4.65%
- CFG Bank4.65%
Emigrant Bank CD rates for other terms
Other Emigrant Bank rates
Questions
What is Emigrant Bank's 12-month CD rate?
Emigrant Bank pays 1.25% APY on its 12-month CD, based on its own rate page when we last checked. That earns about $313 a year on $25,000.
Is Emigrant Bank's 12-month CD rate good?
It ranks 60th 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 Emigrant Bank over the best costs about $887 a year on $25,000.
Which banks pay more than Emigrant Bank on a 12-month CD?
EagleBank (4.80%), BTG Pactual Bank (4.65%), CFG Bank (4.65%).
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