Quontic Bank CD Rates: Earn Up to 3.75% APY (Nationwide)

Find the latest Quontic Bank CD Rates, Offers, and Promotions here. Quontic Bank can offer a wide array of products, services, and now CD rates earning up to 3.75% APY.

Update 11/21/24: The 6 month term rate has decreased.

Best CD Rates: 3.75% APY 6-month, 3.35% APY 24-month ($500 min deposit)

Availability: Nationwide, Internet bank

Credit Inquiry: Soft Pull

About Quontic Bank 

Quontic Bank is headquartered in Astoria, New York, and was founded in 2005. Since then they now have 2 locations, offer money market rates that are 5X the national average, and have an A health rating. You can fund your CD via ACH or Plaid’s from another bank account or from an existing Quontic Bank account. Make sure to fund your account within 30 days of account opening or else it will be closed.

They have a wide array of products to meet your individual needs and are proud to be a financial institution that can serve all your financial needs, and care about how those needs are met.

*The above rates are accurate as of 5/7/2025*

Quontic Bank CD Rates

CDs are a certificate issued by a bank to a person depositing money for a specified length of time. Usually the length of a term, the higher APY rate you make.

With a low minimum deposit of $500, you can invest in a Quontic Bank CD account to maximize your earnings. If you’re interested in making a higher rate than a traditional savings account, make sure to check out Quontic CD rates .

• Minimum deposit: $500
• Maximum deposit: No Limit
• Early withdrawal penalty:
  • For CDs up to 12 months, the penalty will be equal to the interest for the full length of the stated term.
  • For CDs 12 months to under 24 months, the penalty equals one year interest.
  • For CDs 24 months and over, the penalty equals two years interest.
  • If the accrued interest exceeds the penalty amount, the excess accrued interest over the penalty amount will be paid to you. If the accrued interest is less than the penalty amount, a reduction of the principal balance may result.

(FDIC Insured)

Quontic Bank CD Features

• Low minimum balance requirement
• Competitive rates on all CD terms
• Free online and mobile banking
• Insured by the FDIC up to the maximum allowed by law
• Up to five beneficiaries and Social Security numbers are required.

Bottom Line

Quontic Bank can offer you various CD terms from 6 to 36 months. Make sure to take advantage of their current CD rates.

You will be able to fully take control of your funds through their products and services and also maximize your saving potential. Once you funds have matured, you can get your money via cashier’s check or can be transferred to another Quontic Bank account.

They will also give you a 10-day grace period before the CD will automatically renew.

This is ideal for accounts like Certificate of Deposits, which require very little maintenance. The rates are worth a look, but always compare them with the nation’s best using our guides: CD Rates | Savings Rates.

This is a great opportunity to invest in a high-interest CD from Quontic Bank.

For more, see our list of the best CD rates:

• Best 6-Month CD Rates
• Best 9-Month CD Rates
• Best 12-Month CD Rates
• Best 18-Month CD Rates
• Best 24-Month CD Rates
• Best 36-Month CD Rates
• Best 48-Month CD Rates
• Best 60-Month CD Rates
• Best No Penalty CD Rates

Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions, and thrifts. Bank, thrift, and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.