bask Certificate of Deposit
Cannot be determined — no product data available.
Cannot be determined — no product data available.
SwitchWize was unable to generate a meaningful competitive analysis for this product. The source URL (baskbank.com/bank/certificates-of-deposit/) returned a 404 Not Found error, yielding zero usable data on APY, terms, minimum deposits, early withdrawal penalties, or any other CD attributes. VERIFIED_APY was also flagged as not available in our rate database at this time. With the Fed Funds Rate sitting at 3.63%, the online CD market remains competitive, and top-tier online banks are currently offering rates well above the national average. Bask Bank, a division of Texas Capital Bank, is a known online-only institution with a track record in high-yield savings — but until their CD product page is accessible and our rate database is updated, no credible rate comparison or ranking can be assigned. SwitchWize recommends revisiting this listing once a live product page and confirmed APY are available. Do not use this entry for rate-shopping decisions.
Confirm the rate and term are still available. Review the early-withdrawal penalty in the fee schedule — it can erase months of interest.
Jun 14, 2026
SwitchWize Research Desk · methodology
- No monthly maintenance fee
| Term | APY |
|---|---|
| 3 months | 3.95% |
| 6 months | 3.90% |
| 1 year | 4.10% |
| 1.5 years | 4.00% |
| 2 years | 3.65% |
Product page was unreachable at time of review. Visit baskbank.com/products/certificates-of-deposit directly, or call Bask Bank customer support at 833-260-4320 to inquire about current CD offerings and opening procedures.
SwitchWize was unable to generate a meaningful competitive analysis for this product. The source URL (baskbank.com/bank/certificates-of-deposit/) returned a 404 Not Found error, yielding zero usable data on APY, terms, minimum deposits, early withdrawal penalties, or any other CD attributes. VERIFIED_APY was also flagged as not available in our rate database at this time. With the Fed Funds Rate sitting at 3.63%, the online CD market remains competitive, and top-tier online banks are currently offering rates well above the national average. Bask Bank, a division of Texas Capital Bank, is a known online-only institution with a track record in high-yield savings — but until their CD product page is accessible and our rate database is updated, no credible rate comparison or ranking can be assigned. SwitchWize recommends revisiting this listing once a live product page and confirmed APY are available. Do not use this entry for rate-shopping decisions.
What happens if I withdraw from a CD early?
Most CDs charge an early-withdrawal penalty — typically 60 to 150 days of interest depending on the term. Breaking a 12-month CD at month 3 with a 90-day penalty can reduce your effective yield to near zero. Always read the fee schedule before opening.
Is a CD FDIC insured?
Yes. Certificates of deposit at FDIC-member banks are insured up to $250,000 per depositor. The fixed rate and FDIC coverage make CDs one of the safest places to hold cash you can afford to leave untouched for the full term.
What is a CD ladder?
A CD ladder splits your savings across multiple CDs with staggered maturities — for example, 3-month, 6-month, and 12-month terms. As each CD matures, you reinvest at the current rate, giving you the higher rates of longer terms and regular access to a portion of your cash.
Can the CD rate change after I open it?
No. The APY on a standard CD is locked at the opening rate for the full term. This is the main advantage over a high-yield savings account: you know exactly what you will earn, regardless of future Fed rate cuts.
Rates are sourced from Bankrate and verified by SwitchWize. SwitchWize may earn a referral fee when you click through to a partner. Content is for informational purposes only and does not constitute financial advice. Verify current rates directly with the institution before opening an account.