Fremont Bank CD Rates (November 2026) & Calculator

Fremont Bank pays up to 3.30% APY on a 9-month CD. Pick a term to see what your deposit earns, how it compares and what breaking it early would cost.

Rates checked Nov 7, 2026FDIC cert #19222

Fremont Bank CD rates (Nov 7, 2026)

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

Fremont Bank CD rates by term and balance
Term	Product	Minimum	APY	APY at $50,000+	APY at $100,000+	$10,000 earns
1 month	Certificate of Deposit	$2,500	0.25%	0.50%	0.75%	$2.08
3 months	Certificate of Deposit	$2,500	3.25%	–	–	$80.28
6 months	Certificate of Deposit	$2,500	3.00%	–	–	$148.89
9 months	Certificate of Deposit	$2,500	3.30%	–	–	$246.49
1 year	Certificate of Deposit	$2,500	1.25%	1.50%	1.75%	$125.00
18 months	Certificate of Deposit	$2,500	1.25%	1.50%	1.75%	$188.08
2 years	Certificate of Deposit	$2,500	1.25%	1.50%	1.75%	$251.56
3 years	Certificate of Deposit	$2,500	1.25%	1.50%	1.75%	$379.71
4 years	Certificate of Deposit	$2,500	1.25%	1.50%	1.75%	$509.45
5 years	Certificate of Deposit	$2,500	1.25%	1.50%	1.75%	$640.82

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

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

Fremont 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 82 other banks we track for the same term.

Fremont Bank CD rates compared with the FDIC national average
Term	Fremont Bank	National avg	Best other bank
1 month	0.25%	0.23%	SchoolsFirst FCU 3.15%
3 months	3.25%	1.14%	Popular Direct 4.30%
6 months	3.00%	1.39%	Popular Direct 4.35%
9 months	3.30%	1.39% (6 mo)	Synchrony 4.50%
1 year	1.25%	1.76%	Sallie Mae 4.60%
18 months	1.25%	1.76% (12 mo)	Popular Direct 4.80%
2 years	1.25%	1.55%	E*TRADE 4.80%
3 years	1.25%	1.39%	Popular Direct 4.85%
4 years	1.25%	1.31%	Popular Direct 4.95%
5 years	1.25%	1.41%	Sallie Mae 5.00%

Laddering $10,000 across Fremont Bank's 1 year at 1.25%, 2 years at 1.25%, 3 years at 1.25% earns $252.09 by the time every rung matures, and frees cash every year. Plan the full ladder, mixing banks if you like, on the CD ladder calculator.

Taxes on Fremont 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. Fremont Bank sends Form 1099-INT when you earn $10 or more in a year. For example, the $246.49 that $10,000 earns over 9 months at 3.30% would cost about $54 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 Fremont Bank's published rule for that term.

Rates come from Fremont 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 Fremont 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 7, 2026 · Maintained by the Financial Calculator editorial team.

Fremont Bank CD FAQs

Quick answers about Fremont Bank CD rates and penalties.

What are Fremont Bank's CD rates today?

As of Nov 7, 2026, Fremont Bank's highest CD rate is 3.30% APY on the 9 months Certificate of Deposit. The full list of terms and balance tiers is in the table above.

How much will $10,000 earn in a 9-month Fremont Bank CD?

At 3.30% APY, $10,000 grows to $10,246.49 after 9 months, earning $246.49 in interest. Change the deposit or term in the calculator to see other amounts.

Are Fremont Bank CDs insured?

Fremont Bank is FDIC-insured (FDIC certificate #19222), so deposits are covered up to $250,000 per depositor, per bank, per ownership category.

How do Fremont 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. Fremont Bank pays 1.25% for 12 months. Its best rate, 3.30% for 9 months, is 1.91 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 7, 2026. Fremont Bank's best is 3.30%.

Green rates beat Fremont 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.