Associated Bank CD Rates (November 2026) & Calculator

Associated Bank pays up to 4.40% APY on a 13-month CD. Pick a term to see what your deposit earns, how it compares and what breaking it early would cost.

Rates checked Nov 5, 2026FDIC cert #5296

Associated Bank CD rates (Nov 5, 2026)

Every CD term Associated Bank lists on its website, with what $10,000 earns over the full term.

Associated Bank CD rates by term and balance
Term	Product	Minimum	APY	$10,000 earns
1 month	30 day mini jumbo	$40,000	0.03%	$0.25
3 months	3 month CD	$1,000	0.02%	$0.50
6 months	6 month CD	$1,000	1.00%	$49.88
7 months	7 month CD specialSpecial	$5,000	4.25%	$245.76
9 months	9 month CD	$1,000	0.02%	$1.50
1 year	12 month add on CD	$100	1.00%	$100.00
1 year	12 month CD	$1,000	1.00%	$100.00
13 months	13 month CD specialSpecial	$5,000	4.40%	$477.53
18 months	18 month CD	$1,000	0.03%	$4.50
2 years	24 month CD	$1,000	0.03%	$6.00
26 months	26 month CD specialSpecial	$5,000	1.00%	$217.93
30 months	30 month CD	$1,000	0.04%	$10.00
3 years	36 month CD	$1,000	0.04%	$12.00
4 years	48 month CD	$1,000	0.05%	$20.02
5 years	60 month CD	$1,000	0.10%	$50.10

Special is a promotional rate. Relationship needs a linked account at Associated Bank. A dash means the same APY as the opening balance. The highlighted row is Associated Bank's top rate.

Source: Associated Bank CD rates. Rates change often; confirm before you open an account.

Associated Bank vs the national average

The FDIC national average is what banks and credit unions pay on average, weighted by deposits (Oct 19, 2026). The last column is the best rate among the 51 other banks we track for the same term.

Associated Bank CD rates compared with the FDIC national average
Term	Associated Bank	National avg	Best other bank
1 month	–	0.23%	Western Alliance 0.90%
3 months	0.02%	1.14%	Popular Direct 4.30%
6 months	1.00%	1.39%	Popular Direct 4.35%
7 months	4.25%	1.39% (6 mo)	WSFS 4.25%
9 months	0.02%	1.39% (6 mo)	Synchrony 4.50%
1 year	1.00%	1.76%	Popular Direct 4.60%
13 months	4.40%	1.76% (12 mo)	CIBC Agility 4.50%
18 months	0.03%	1.76% (12 mo)	Popular Direct 4.80%
2 years	0.03%	1.55%	E*TRADE 4.80%
26 months	1.00%	1.55% (24 mo)	United Bank 3.50%
30 months	0.04%	1.55% (24 mo)	Sallie Mae 4.50%
3 years	0.04%	1.39%	Popular Direct 4.85%
4 years	0.05%	1.31%	Popular Direct 4.95%
5 years	0.10%	1.41%	Sallie Mae 5.00%

Associated Bank CD early withdrawal penalty

Associated Bank early withdrawal penalty by term
Term	Penalty
less than 12 months	90 days of interest
12 months to less than 24 months	181 days of interest
24 months to less than 36 months	270 days of interest
36 months and longer	365 days of interest

Example: $10,000 in a 1-year CD at 1.00%, withdrawn after 6 months, has earned $49.88. The penalty is $49.34, so you would get $10,000.53.

The penalty can reach your principal if it is more than the interest earned. Official disclosure (checked 2026-11-06).

Taxes on Associated Bank CD interest

CD interest is taxable as ordinary income, federally and in most states. You owe tax in the year the interest is credited or accrues, even if it stays in the CD until maturity. Associated Bank sends Form 1099-INT when you earn $10 or more in a year. For example, the $477.53 that $10,000 earns over 13 months at 4.40% would cost about $105 in federal tax in the 22% bracket.

If you pay an early withdrawal penalty, it appears in box 2 of your 1099-INT and you can deduct it from your income, even if you don't itemize. CDs held in an IRA follow IRA tax rules instead. See IRS Publication 550.

How We Calculate & Keep This Accurate

Maturity value is your deposit grown at the APY for the term: A = P × (1 + APY)^(months ÷ 12). The APY for each term is the highest balance tier your deposit qualifies for. Early withdrawal penalties are charged as simple interest on the deposit at the CD's interest rate (the APY converted to its daily rate), following Associated Bank's published rule for that term.

Rates come from Associated Bank's own rate page. We use the APY Ledger dataset (CC BY 4.0) to spot rate changes, and we checked a sample of rates and the penalty rules against Associated Bank's website and disclosures. Results are estimates, not an offer from the bank.

Primary Sources

Data & Freshness

Figures reflect 2026 tax-year data.

Last updated November 5, 2026 · Maintained by the Financial Calculator editorial team.

Associated Bank CD FAQs

Quick answers about Associated Bank CD rates and penalties.

What are Associated Bank's CD rates today?

As of Nov 5, 2026, Associated Bank's highest CD rate is 4.40% APY on the 13 months 13 month CD special. The full list of terms and balance tiers is in the table above.

How much will $10,000 earn in a 13-month Associated Bank CD?

At 4.40% APY, $10,000 grows to $10,477.53 after 13 months, earning $477.53 in interest. Change the deposit or term in the calculator to see other amounts.

What is Associated Bank's CD early withdrawal penalty?

less than 12 months: 90 days of interest. 12 months to less than 24 months: 181 days of interest. 24 months to less than 36 months: 270 days of interest. 36 months and longer: 365 days of interest. If the penalty is more than the interest earned, the rest comes out of your principal.

Are Associated Bank CDs insured?

Associated Bank, N.A. is FDIC-insured (FDIC certificate #5296), so deposits are covered up to $250,000 per depositor, per bank, per ownership category.

How do Associated Bank's rates compare with the national average?

The FDIC's national average for a 12-month CD was 1.76% as of Oct 19, 2026. Associated Bank pays 1.00% for 12 months. Its best rate, 4.40% for 13 months, is 2.64 points above the national average for that term.

Compare CD rates at other banks

Best APY at each bank for a $10,000 deposit, checked Nov 5, 2026. Associated Bank's best is 4.40%.

Green rates beat Associated Bank's best rate. “rel.” means the rate needs a linked account. Need a bank that isn't listed? Use the CD calculator with any APY.