Lesser-known financial institution Rising Bank offers a long list of certificate of deposit account options with competitive return rates. It may be a great way to put your savings to work by effortlessly accruing interest—at over 4.00% annual percentage yield (APY) depending on the CD type and term you select.
But are Rising Bank’s CDs the best choice for your financial situation? Let’s take a look at what you need to know about Rising Bank CD rates.
Rates are current as of Oct. 6, 2025 and are subject to change.
Rising Bank CD rates and products
Rising Bank offers multiple CD types, including standard, bump-up, and jumbo CDs. Some CD options aren’t the most accessible due to sizable minimum deposits, but they offer decent return rates if you can afford them.
You can also open IRA CDs for all of these options.
Standard CDs
At the time of writing, Rising Bank standard CDs earn up to 4.05% APY. It offers five different term lengths spanning from six months to three years. These CDs offer the most reasonable buy-in at $1,000.
Rising Bank standard CDs
| Term length | APY |
|---|---|
| 6 months | 4.05% |
| 12 months | 3.90% |
| 15 months | 3.50% |
| 24 months | 3.40% |
| 36 months | 2.75% |
| 6 months | |
|---|---|
| APY | 4.05% |
| 12 months | |
| APY | 3.90% |
| 15 months | |
| APY | 3.50% |
| 24 months | |
| APY | 3.40% |
| 36 months | |
| APY | 2.75% |
Bank details checked Oct. 6, 2025.
Bump-up CDs
Rising Bank’s bump-up CDs, called “Rising CDs,” allow you to lock in a return rate now while reserving the right to increase your APY if rates increase before your account matures. At the same time you opt for an increase, you can also choose to deposit more money into your account.
Rising Bank bump-up CD rates
| Term length | APY |
|---|---|
| 18 months | 3.45% |
| 26 months | 3.15% |
| 18 months | |
|---|---|
| APY | 3.45% |
| 26 months | |
| APY | 3.15% |
Bank details checked Oct. 6, 2025.
Jumbo CDs
Jumbo CDs typically reward you with a higher APY as a reward for depositing a considerable amount of money into your account. Rising Bank’s CDs don’t quite work that way—you’ll get 3.25% APY at the time of writing, which is a lower rate than you could earn with many of the bank’s standard and bump-up CDs.
Rising Bank Jumbo CDs
| Term length | APY |
|---|---|
| 24 months | 3.25% |
| 24 months | |
|---|---|
| APY | 3.25% |
| APY |
Bank details checked Oct. 6, 2025.
Compare Rising Bank to competitors
Rising Bank CDs are respectable, but they’re not always the best in town. Here are some strong return rates from competitors with CDs that require little (or no) minimum opening deposits.
 Rising Bank |  Discover Bank |  Northern Bank Direct |
|---|---|---|
| 6 months | 6 months | 6 months |
| 4.05% | 3.50% | 4.00% |
| 12 months | 12 months | 12 months |
| 3.90% | 3.85% | 3.25% |
| 15 months | 15 months | 15 months |
| 3.50% | N/A | 3.25% |
| 24 months | 24 months | 24 months |
| 3.40% | 3.50% | 3.25% |
| 36 months | 36 months | 36 months |
| 2.75% | 3.50% | 3.25% |
| Learn more | Learn more | Learn more |
| View offer at Bankrate | View offer at Discover | View offer at Northern Bank Direct |
Bank details checked Oct. 6, 2025.
Learn more about Rising Bank
Rising Bank is a fully digital division of Midwest BankCentre in St. Louis—a financial institution more than 100 years old. It’s FDIC-insured up to the standard $250,000 per account holder per ownership category.
Rising Bank is one of the rare online-only banks that specializes in more than just high-yield deposit accounts. In addition to CDs, you can open checking and savings accounts, mortgages, insurance, and even business loans.
Frequently asked questions
What CD terms does Rising Bank offer?
Between all CD types, Rising Bank offers 6, 12, 15, 18, 24, 26, and 36 months.
What are the early withdrawal penalties for Rising Bank CDs?
The early withdrawal penalties you pay to access your money before account maturity depends on the length of your term. You’ll pay between 90 and 180 days’ interest on the amount withdrawn.
What happens when my Rising Bank CD matures?
When your Rising Bank CD matures, you’ll have a grace period of 10 days to remove your money or put it into an alternate CD. If you do nothing, your account will automatically renew.
What is the minimum deposit required for a CD at Rising Bank?
The minimum deposit required for a CD at Rising Bank is between $1,000 and $100,000, depending on the CD type.
Are Rising Bank CDs FDIC insured?
Yes, Rising Bank CDs are FDIC insured up to $250,000 per account holder per account ownership category.