Ciera Bank rates: up to 4.20% APY
bank · FDIC CERT 3226 · www.cierabank.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 12 Month EZ Saver | $50.00 | 4.10% | APY | 2026-11-01 | since 2026-11-01 | |
| 180 Day EZ Saver | $50.00 | 4.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Demand Deposit Account | $0 - 9,999.99 | 0.90% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account (HSA Account) | $0 - 9,999.99 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account (HSA Account) | $10,000.00 + | 1.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $0 - $49,999.99 | 1.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $50,000.00 + | 1.55% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 3-Month CD | 90 Day · $1,000.00 | 3.90% | APY | 2026-11-01 | since 2026-11-01 | |
| 5.9-Month CD | 180 Day · $1,000.00 | 4.05% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12 Month · $1,000.00 | 4.10% | APY | 2026-11-01 | since 2026-11-01 | |
| 18-Month CD | 18 Month · $1,000.00 | 4.15% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD | 24 Month · $1,000.00 | 4.20% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 36 Month · $1,000.00 | 4.10% | APY | 2026-11-01 | since 2026-11-01 | |
| 4-Year CD | 48 Month · $1,000.00 | 4.15% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Year CD | 60 Month · $1,000.00 | 4.20% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Account | $0 - 9,999.99 | 1.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $10,000.00 + | 1.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Deposit Account | $10,000.00 - $49,999.99 | 1.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Deposit Account | $50,000.00 - $99,999.99 | 1.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Deposit Account | $100,000.00 - 249,999.99 | 2.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Deposit Account | $250,000.00-$499,999.99 | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Deposit Account | $500,000.00-$999,999.99 | 2.90% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Deposit Account | $1,000,000.00 + | 3.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Savings Account | $0 - 9,999.99 | 1.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Savings Account | $10,000.00 - $49,999.99 | 1.45% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Savings Account | $50,000.00 - $99,999.99 | 1.85% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Savings Account | $100,000.00 - 249,999.99 | 2.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Savings Account | $250,000.00-$499,999.99 | 2.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Savings Account | $500,000.00-$999,999.99 | 3.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Savings Account | $1,000,000.00 + | 3.45% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.cierabank.com/rates | 2026-11-01 22:54 UTC | ok | bc3d480337ca |