CIBC Agility CD Rates (November 2026) & Calculator
CIBC Agility pays up to 4.50% APY on a 1-year CD. Pick a term to see what your deposit earns, how it compares and what breaking it early would cost.
CIBC Agility CD rates (Nov 5, 2026)
Every CD term CIBC Agility lists on its website, with what $10,000 earns over the full term.
| Term | Product | Minimum | APY | $10,000 earns |
|---|---|---|---|---|
| 6 months | CIBC Agility™ Certificate of Deposit (CD) | $1,000 | 4.00% | $198.04 |
| 9 months | CIBC Agility™ Certificate of Deposit (CD) | $1,000 | 4.35% | $324.51 |
| 1 year | CIBC Agility™ Certificate of Deposit (CD)Special | $1,000 | 4.50% | $450.00 |
| 13 months | CIBC Agility™ Certificate of Deposit (CD) | $1,000 | 4.50% | $488.40 |
| 18 months | CIBC Agility™ Certificate of Deposit (CD) | $1,000 | 4.45% | $674.87 |
| 2 years | CIBC Agility™ Certificate of Deposit (CD) | $1,000 | 4.35% | $888.92 |
| 30 months | CIBC Agility™ Certificate of Deposit (CD) | $1,000 | 4.00% | $1,030.20 |
Special is a promotional rate. Relationship needs a linked account at CIBC Agility. A dash means the same APY as the opening balance. The highlighted row is CIBC Agility's top rate.
Source: CIBC Agility CD rates. Rates change often; confirm before you open an account.
CIBC Agility 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.
| Term | CIBC Agility | National avg | Best other bank |
|---|---|---|---|
| 6 months | 4.00% | 1.39% |  Popular Direct 4.35% |
| 9 months | 4.35% | 1.39% (6 mo) |  Synchrony 4.50% |
| 1 year | 4.50% | 1.76% | Popular Direct 4.60% |
| 13 months | 4.50% | 1.76% (12 mo) |  Sallie Mae 4.50% |
| 18 months | 4.45% | 1.76% (12 mo) | Popular Direct 4.80% |
| 2 years | 4.35% | 1.55% |  E*TRADE 4.80% |
| 30 months | 4.00% | 1.55% (24 mo) | Sallie Mae 4.50% |
CIBC Agility CD early withdrawal penalty
| Term | Penalty |
|---|---|
| all terms | 30 days of interest |
Example: $10,000 in a 1-year CD at 4.50%, withdrawn after 6 months, has earned $222.52. The penalty is $36.18, so you would get $10,186.34.
The penalty can reach your principal if it is more than the interest earned. Official disclosure (checked 2026-11-06).
Taxes on CIBC Agility 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. CIBC Agility sends Form 1099-INT when you earn $10 or more in a year. For example, the $450.00 that $10,000 earns over 1 year at 4.50% would cost about $99 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 CIBC Agility's published rule for that term.
Rates come from CIBC Agility'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 CIBC Agility'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.
CIBC Agility CD FAQs
Quick answers about CIBC Agility CD rates and penalties.
What are CIBC Agility's CD rates today?
How much will $10,000 earn in a 1-year CIBC Agility CD?
What is CIBC Agility's CD early withdrawal penalty?
Are CIBC Agility CDs insured?
How do CIBC Agility's rates compare with the national average?
Compare CD rates at other banks
Best APY at each bank for a $10,000 deposit, checked Nov 5, 2026. CIBC Agility's best is 4.50%.
- Popular Direct1-year 4.60%Top rate5.00%5 yr
- Sallie Mae1-year 4.50%Top rate5.00%5 yr
- E*TRADE1-year 4.55%4.80%2 yr
Barclays1-year 4.50%4.75%2 yr- Synchrony1-year 4.30%4.75%5 yr
Ally1-year 4.50%4.50%1 yr
American Express1-year 3.75%4.50%10 mo
EverBank1-year 3.50%4.50%2 yr
Live Oak Bank1-year 4.50%4.50%1 yr
Associated Bank1-year 1.00%4.40%13 mo
Marcus1-year 4.40%4.40%1 yr
City National1-year 4.39%4.39%1 yr
Bask Bank1-year 4.35%4.35%1 yr
Atlantic UnionNo 1-year CD4.30%13 mo
Eastern BankNo 1-year CD4.30%18 mo
Flagstar1-year 4.30%4.30%1 yr
FNBNo 1-year CD4.30%13 mo
Huntington1-year 0.25%4.30%13 mo
TD Bank1-year 4.15%4.30%2 yr
BOK FinancialNo 1-year CD4.25%14 mo
Citi1-year 4.25%4.25%1 yr
Fulton Bank1-year 0.70%4.25%25 mo
PNC1-year 0.02%4.25%13 mo
UMB1-year 0.10%4.25%15 mo
Webster Bank1-year 0.02%4.25%11 mo · rel.
Wells Fargo1-year 1.51%4.25%11 mo · rel.
WSFS1-year 2.75%4.25%7 mo- Old NationalNo 1-year CD4.15%11 mo
Rockland Trust1-year 4.00%4.15%18 mo
M&T Bank1-year 3.00%4.10%18 mo · rel.
Navy Federal1-year 4.05%Credit union4.10%18 mo
Valley Bank1-year 3.50%4.10%6 mo
WaFd Bank1-year 3.00%4.10%13 mo- United Bank1-year 2.00%4.05%11 mo
Capital One1-year 4.00%4.00%1 yr
CIT Bank1-year 4.00%4.00%1 yr
First Citizens1-year 2.00%4.00%5 mo- Customers BankNo 1-year CD3.85%3 mo
Fifth Third1-year 3.70%3.70%1 yr
Chase1-year 0.50%3.50%8 mo · rel.
PenFed1-year 3.20%Credit union3.50%5 yr
U.S. Bank1-year 3.40%3.50%9 mo
Western Alliance1-year 2.78%3.48%3 mo
Bank of Hawaii1-year 3.40%3.40%1 yr · rel.- CitizensNo 1-year CD3.10%14 mo · rel.
First Hawaiian1-year 2.90%3.05%6 mo · rel.
Zions Bank1-year 3.05%3.05%3 mo
USAA1-year 1.80%2.25%7 mo
OceanFirst1-year 0.10%0.50%7 yr
First Horizon1-year 0.10%0.10%6 mo
TruistNo 1-year CD–
Green rates beat CIBC Agility'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.