If you’re looking for a place to stash savings safely at a competitive rate, Beal Bank and Beal Bank USA CDs are worth a look. The Beal family of banks focuses heavily on savings products and has built a reputation for strong CD and money market rates over the years.
As you move into 2026, here’s a closer look at Beal Bank CD rates, how they work and how they stack up against the broader market.
Note: CD rates can change at any time. Always check Beal Bank’s website and enter your ZIP code for the most current rates in your area.
Current Beal Bank CD Rates: Early 2026
Beal Bank and Beal Bank USA offer a wide range of CD terms, from 1 month up to 5 years. Rates are set by location, but branch rate sheets tend to be very similar nationwide.
Based on recent branch rate disclosures heading into January 2026, here’s an example of standard Beal Bank USA CD rates for a $1,000 minimum deposit:
| Term | APY | Minimum Deposit |
|---|---|---|
| 1-month CD | $1,000 | |
| 2-month CD | $1,000 | |
| 3-month CD | $1,000 | |
| 6-month CD | $1,000 | |
| 9-month CD | $1,000 | |
| 12-month CD | $1,000 | |
| 18-month CD | $1,000 | |
| 24-month CD | $1,000 | |
| 30-month CD | $1,000 | |
| 36-month CD | $1,000 | |
| 48-month CD | $1,000 | |
| 60-month CD | $1,000 |
These rates are well above the national averages. As of late 2025, the average 12-month CD rate across all banks is about 1.64% APY, while FDIC rate caps for 1-year CDs sit just over 5%. That makes Beal’s 3.75% APY 12-month CD very competitive versus typical brick-and-mortar banks.
At the same time, the best 1-year CDs nationally are hovering around 4% to 4.25% APY going into 2026, so you may still find slightly higher yields at select online banks and credit unions.
Beal Bank CD Features and Terms
Before opening a Beal Bank CD, it helps to understand the basic structure and small print.
| Feature | Details |
|---|---|
| Institutions | Beal Bank and Beal Bank USA (separate FDIC-insured banks) |
| Branch CD minimum deposit | $1,000 minimum to open and earn APY |
| Online “Better by Beal” CDs | Online brand of Beal Bank USA; typically $25,000 minimum per CD |
| CD types | Standard CDs and IRA CDs available at many branches |
| Rate type | Fixed rate for the full CD term |
| Availability | Branch network across multiple states; Beal Bank USA is not available to new depositors in Texas and Ohio for some products |
| Insurance | FDIC insured up to $250,000 per depositor, per ownership category |
| Early withdrawal | Penalties apply if you take out principal before maturity |
| Renewal | CDs typically renew automatically for the same or closest term unless you provide other instructions |
Because Beal Bank specializes in savings products, its CDs are often highlighted by rate-comparison sites for punching above their weight compared with typical big banks.
Pros and Cons of Beal Bank CDs
| Pros | Cons |
|---|---|
| Highly competitive short- and mid-term CD rates that beat average brick-and-mortar banks by a wide margin | Standard branch CDs require a $1,000 minimum deposit, which can be a hurdle if you’re starting small |
| FDIC insurance up to $250,000 per depositor, per ownership category, providing strong protection for your savings | Better by Beal online CDs often require $25,000 or more to open, which is a big commitment for many savers |
| Wide range of terms from 1 to 60 months, giving you flexibility for CD laddering | Rates can vary by ZIP code and branch, so you may not see the same APYs in every area |
| IRA CD options if you want fixed returns inside a retirement account | CD funds are locked up until maturity unless you pay an early withdrawal penalty |
| Online tools and brands (Better by Beal, myCDbank.com) that make it easier to open and manage CDs from home | Limited branch footprint and product availability in some states, which can make access harder for some savers |
How Beal Bank’s CD Rates Compare to Competitors
Beal Bank CD rates are competitive, but how do they compare to other banks? Below is a breakdown of how Beal Bank’s CD rates measure up against competitors.
| Bank | Term | APY | Minimum Deposit |
|---|---|---|---|
| Beal Bank | 12-month | $1,000 | |
| Marcus at Goldman Sachs | 12-month | $500 | |
| Chase | 12-month | $1,000 | |
| Ally | 12-month | $0 |
While CD and savings rates matter, it’s also important to look at other banking features. Factors like account options, fees and overall convenience can play a big role in your decision.
MOST COMPARABLE
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
None
$5 monthly, waivable
$0
APY
APY
APY
Min Opening
Min Opening
Min Opening
$0
$0
$0
MOST COMPARABLE
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
Early withdrawal penalty may apply
No monthly service fee
No monthly service fee
APY
APY
APY
Up to
Up to
Up to
Min Opening
Min Opening
Min Opening
$500
$1,000
$0
How Much Can You Earn With a Beal Bank CD?
Your earnings depend on how much you deposit, how long you commit and the APY you lock in. Here’s a simple example using a $10,000 deposit and a few popular Beal Bank terms:
Estimated Earnings on $10,000
| Term | APY | Estimated Interest Earned* |
|---|---|---|
| 6 months | about $181 | |
| 12 months | about $375 | |
| 24 months | about $702 |
*Estimates assume interest compounds in line with the APY and stays in the CD until maturity. Actual earnings will depend on Beal Bank’s compounding schedule and whether rates change before you open your account.
To run your own numbers for different amounts and terms, plug Beal’s current APYs into a CD or savings calculator and compare them with other banks’ rates.
How To Open a Beal Bank CD
Opening a Beal Bank or Beal Bank USA CD is straightforward, whether you prefer branches or online banking.
- Choose your term and channel
Decide how long you can leave the money untouched and whether you want a branch CD with a $1,000 minimum or an online CD through Better by Beal with a higher minimum deposit. - Check rates for your ZIP code
Visit Beal Bank’s website, enter your ZIP and review the exact rates available in your area for each term. - Gather your documents
You’ll typically need a government-issued ID, Social Security number, mailing address and funding account details. - Apply online or at a branch
- Use the online portal for Beal Bank USA or Better by Beal
- Or visit a local Beal Bank or Beal Bank USA branch in your state to open a CD in person
- Fund the CD
Transfer the minimum opening deposit from another bank account, write a check or move funds from an existing Beal account. - Set maturity reminders
CDs typically auto-renew, so set a calendar reminder a couple of weeks before maturity to decide whether to withdraw, renew or move your funds.
Alternatives To Beal Bank CDs
Beal Bank offers a high-yield savings account that earns APY. The Statement Savings account is an excellent option if you want to access your money without penalty. However, savings account rates can decrease at any point, so monitoring the account throughout the months is essential.
If you want to proceed with Statement Savings, you must open a bank account with Beal Bank and deposit at least $500 in it.
Beal Bank also offers a money market account that benefits those who carry modest to high balances.
- For a money market account with a minimum balance of $1,000 you can earn up to APY.
- For those accounts that have a minimum balance of $25,000 or more, earnings are at APY.
Is a Beal Bank CD Right for You?
Beal Bank CDs can be a smart tool in the right situation, but they won’t fit everyone’s savings strategy.
A Beal Bank CD might be a good fit if you:
- Have at least $1,000 to lock away for a set period
- Want a fixed, predictable return that beats average CD rates
- Prefer working with a bank that specializes in savings products rather than a full-service megabank
- Are interested in building a CD ladder with multiple terms from 3 months up to 5 years
You may want to look elsewhere if you:
- Want the absolute highest APY available and are comfortable chasing top-of-market online CDs
- Need flexible access to your money and might withdraw before the CD matures
- Can’t meet the minimum deposit requirements
- Prefer a single nationwide bank for all your accounts, including checking, credit cards and loans
Final Take to GO: How To Use Beal Bank CDs Smartly in 2026
Heading into 2026, Beal Bank and Beal Bank USA CDs offer a strong middle ground: rates that crush the national average and many brick-and-mortar banks, without requiring you to hunt for a new online-only institution every time rates move.
To make the most of Beal Bank CDs:
- Focus on the terms with the best APYs, like the 6-, 12- and 24-month CDs, rather than automatically reaching for the longest term.
- Consider building a simple ladder using 6-, 12- and 24-month CDs so some money matures every year.
- Compare Beal’s rates with a few top-yield online banks before you commit, especially if you can meet higher minimums elsewhere.
If you want solid, fixed returns and don’t mind tying up your cash for a while, Beal Bank can be a compelling CD option to anchor your savings strategy in 2026.
Taylor Milam-Samuel contributed to the reporting for this article.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Jan. 1, 2026.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.