Cadence Bank CD Rates for 2026
Written by
Rudri Bhatt Patel, CFHC™
Edited by
Elizabeth Constantineau, CFHC™
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Certificates of deposit (CDs) offer guaranteed interest rates for a predetermined period, as long as you lock in your funds and don’t withdraw them before the term expires. Depending on whether you’re looking for short-term savings or long-term growth, you can select the type of CD that works best for you.
Current Cadence Bank CD Rates: February 2026
Cadence Bank offers promotional and standard CDs. The minimum deposit is $1,000. Here are current rates:
| Term | APY |
|---|---|
| 8 months | to |
| 13 months | to |
Cadence Bank Promotional CD Rates
To qualify for the highest annual percentage yields (APYs), you must meet one of the following requirements:
- Having an existing Cadence Performance Checking account
- Open a new CD with $25,000 or more in non-Cadence Bank funds
If you don’t meet these conditions, you will receive the lower APY.
Cadence Bank Standard CD Rates
Cadence Bank offers term lengths ranging from one month to 60-plus months. However, it doesn’t publish rates for its standard CDs on its website.
You can visit a Cadence Bank branch near you or call its customer service line at 888-797-7711 for information on its current rates for standard CDs.
How Much Can You Earn With a Cadence Bank CD?
Your earnings depend on your deposit amount, chosen term and whether you qualify for the relationship APY.
| Deposit Amount | Term | APY | Estimated Interest Earned |
|---|---|---|---|
| $1,000 | 8 months | $23.20 | |
| $5,000 | 8 months | $124.23 | |
| $10,000 | 13 months | $352.56 | |
| $25,000 | 13 months | $949.28 |
Pros and Cons of Cadence Bank CDs
In order to determine if a Cadence CD will work for you, consider the pros and cons:
| Pros | Cons |
|---|---|
| Promotional rates offer APYs that are competitive | The website doesn’t publish rates on standard CDs |
| Funds are FDIC insured up to $250,000 per depositor, per category | The $1,000 minimum may price out some individuals |
| There is no monthly fee for CD accounts | If you decide to withdraw early, you will pay a penalty |
| You can earn a favorable return on the promotional rate CD | Competitive rates are only applicable to some terms |
How To Open a Cadence Bank CD
To open a Cadence Bank CD, you will need to visit a local branch. Customers in Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, Missouri, Tennessee and Texas are able to open CD accounts at Cadence.
When you apply, you will be required to fill out an application and need to be ready to fund your CD with a minimum deposit of $1,000.
In order to open a CD, you will need the following:
- A government-issued ID
- Your social security number
- Contact details
- The money needed to fund the CD
Good To Know
For a smoother application process, it’s a good idea to make an appointment before you visit the branch. Click “Schedule an appointment” on the Cadence Bank website to get started.
Comparing Cadence Bank CDs To Other Savings Options
Investing in a CD isn’t the only option to grow your savings. Take a look at these other ways to grow your money:
- High-yield savings: A high-yield savings account allows for more liquidity and gives you daily access to funds. There is no penalty to withdraw your money, and you can get a competitive APY if you are willing to shop around.
- Treasury bonds: If you like to play it safe and want tax benefits, consider investing in treasury bonds. This is a government-backed alternative for investing.
- Money market accounts: These accounts typically have higher APYs compared to savings accounts. There is also more accessibility, since most money market accounts come with debit card access. Be aware that rates tend to fluctuate because of market conditions.
Who Should Consider Cadence Bank CDs?
For people looking for banks that provide excellent CD options to help them generate returns on their savings, Cadence Bank does offer attractive interest rates of up to APY for its promotional eight-month CD.
Standard CD rates are not published online, so for those who don’t want the promotional CD rate or need different terms, it makes it harder to see what Cadence Bank offers. Also, if you’re not already a Cadence Bank customer or in need of any of its other services, you may be able to find higher CD rates for other term lengths elsewhere.
Cadence Bank CD Rates FAQ
Here are answers to some of your most frequently asked questions about Cadence Bank's CDs.- What is the minimum deposit for a Cadence Bank CD?
- Cadence CDs require at least $1,000 to open and earn interest.
- Are Cadence Bank CDs FDIC-insured?
- Yes. Cadence CDs are FDIC insured up to $250,000 per depositor, per ownership category, the same protection that applies to most bank savings and checking accounts.
- Does Cadence publish standard CD rates online?
- Not currently. Cadence lists its 8- and 13-month promotional CDs on its website, but standard CD rates for other terms are not posted online. You need to call Cadence or visit a branch to get the latest non-promo rates.
- How do I qualify for the higher promotional APY?
- To earn the top tier on Cadence promo CDs, you must either open the CD with $25,000 or more in non-Cadence funds or have a Cadence Performance Checking account. Otherwise, you’ll receive the lower promotional APY for that term.
Preston Hartwick 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. 22, 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.
