Skip to main content
Beal Bank USA
 FDIC-Insured - Backed by the full faith and credit of the U.S. Government

A secure place to maximize your savings.

24-Month CD

$25,000 minimum deposit required

APY*
4.40%
See Our Rates
Open an Account

Beal Bank USA makes saving simple.

Our great rates and easy-to-open CDs make maximizing your savings easier.

  • Great Rates

    Beal Bank USA offers great rates on Certificates of Deposit. Our focused offerings help keep our costs low so we can offer you better rates.

  • Flexible Terms

    If you need your funds more quickly, we offer multiple CDs that mature in less than a year. If your time horizon is longer, choose one of our multi-year CDs to maximize your earnings.

  • Transparent Returns

    When you open a CD, the rate is locked in and you’ll know the amount you will earn when it matures, right down to the last penny.

See how much you can earn.

Calculate your earnings. Click a term to open an account.

Enter your deposit amount
CD Term APY* Estimated Earnings
3-Month CD 4.10% $$
6-Month CD 4.25% $$
9-Month CD 4.30% $$
12-Month CD 4.35% $$
18-Month CD 4.35% $$
24-Month CD 4.40% $$
30-Month CD 4.00% $$
36-Month CD 4.00% $$
48-Month CD 4.00% $$
60-Month CD 4.00% $$

$25,000 minimum deposit required to open an account online.

Beal Bank USA is unable to open accounts for residents of Texas and Ohio.

*Our Annual Percentage Yields (APYs) are accurate as of Wednesday, October 28, 2026. Advertised APYs are subject to change.

The APY is fixed for the term of the CD but subject to change upon renewal. A penalty will be imposed for early withdrawals.

Results are estimates for illustrative purposes only and may not reflect your actual earnings. Assumes funds remain on deposit until maturity; withdrawals, penalties, fees, or backup withholding may reduce earnings.

**Please contact a Beal Bank USA branch for their current available rates.

Saving made easy.

  • Select Maturity Length

    Beal Bank USA offers a wide variety of options to choose from. Plus, you can open more than one CD, but each account will have to be opened separately.

  • Enter Your Information

    You’ll need to enter basic information, including social security number and employment information.

  • Fund Your Account

    You must make a one-time deposit of at least $25,000 to open an online CD with Beal Bank USA. You’ll be able to transfer funds during the application process.

See Our Rates

Ready to put your savings to work?

Open a certificate of deposit with Beal Bank USA and start earning a competitive return on your terms. Our team of Retail Banking Specialists is here if you have questions.

See Our Rates Contact Us
You are leaving the Beal Bank USA website

You are going to a website or application not owned or operated by Beal Bank USA or its affiliates. Our terms of use, privacy policies, and security policies do not apply to the site or app you are about to visit. Beal Bank USA does not endorse and is not responsible for the products, services, content, policies, or security of this third-party site or app.