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Rising Bank CD rates 2025: Multiple CD types to match your financial goals

Joseph HostetlerBy Joseph HostetlerStaff Writer, Personal Finance
Joseph HostetlerStaff Writer, Personal Finance

    Joseph is a staff writer on Fortune's personal finance team. He's covered personal finance since 2016, previously serving as a reporter and editor at sites like Business Insider and The Points Guy. He has also contributed to major outlets such as AP News, CNN, Newsweek, and many more.

    The Rising Bank logo on a green layered background.
    Illustration by Fortune; original logo from Rising Bank

    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 CD features

    Minimum opening deposit$1,000
    Early withdrawal penalty– Terms up to 1 year: 90 days’ interest on the amount withdrawn 
    – Terms more than 1 year: 180 days’ interest on the amount withdrawn
    Additional deposits allowedNo
    Automatic renewalYes
    Grace period10 days

    Rising Bank standard CDs

    Term lengthAPY
    6 months4.05%
    12 months3.90%
    15 months3.50%
    24 months3.40%
    36 months2.75%
    6 months
    APY4.05%
    12 months
    APY3.90%
    15 months
    APY3.50%
    24 months
    APY3.40%
    36 months
    APY2.75%

    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 features

    Minimum opening deposit$5,000 –$10,000
    Early withdrawal penalty180 days’ interest on the amount withdrawn
    Additional deposits allowedYes, once during account term
    Automatic renewalYes
    Grace period10 days

    Rising Bank bump-up CD rates

    Term lengthAPY
    18 months3.45%
    26 months3.15%
    18 months
    APY3.45%
    26 months
    APY3.15%

    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 CD features

    Minimum opening deposit$100,000
    Early withdrawal penalty180 days’ interest on the amount withdrawn
    Additional deposits allowedNo
    Automatic renewalYes
    Grace period10 days

    Rising Bank Jumbo CDs 

    Term lengthAPY
    24 months3.25%
    24 months
    APY3.25%
    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 Logo
    Rising Bank
    Discover Bank logo
    Discover Bank
    Northern Bank Direct Logo
    Northern Bank Direct
    6 months6 months6 months
    4.05%3.50%4.00%
    12 months12 months12 months
    3.90%4.00%3.25%
    15 months15 months15 months
    3.50%N/A3.25%
    24 months24 months24 months
    3.40%3.60%3.25%
    36 months36 months36 months
    2.75%3.60%3.25%
    Learn moreLearn moreLearn more
    View offer
    at Bankrate
    View offer
    at Discover
    View offer
    at Northern Bank Direct

    Bank details checked Oct. 6, 2025. 

    Want to learn more about one of these banks?

    Read our roundups of Discover CD rates and Northern Bank Direct CD rates.

    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.

     

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