Rising Bank, a lesser-known financial institution, provides an extensive array of certificate of deposit account choices, featuring attractive interest rates. Placing your savings into a Certificate of Deposit (CD) can be an excellent strategy for generating returns, as it allows you to passively earn interest at an annual percentage yield (APY) that can exceed 4.00%, varying based on the specific CD type. And the period you choose.
Considering your personal financial circumstances, are Rising Bank's Certificates of Deposit the optimal option? Let's examine the essential details concerning Rising Bank's CD interest rates.
As of October 6, 2025, these rates are in effect but may be modified.
Rising Bank CD rates and products
Rising Bank provides various Certificates of Deposit, such as regular, step-up, and large-denomination CDs. While certain certificates of deposit require substantial minimum investments, making them less attainable for some, they do provide attractive yields for those who can meet the deposit requirements.
You can also open IRA CDs for all of these options.
Standard CDs
Currently, Rising Bank's standard certificates of deposit offer an annual percentage yield of up to 4.05%. You can select from five distinct repayment periods, ranging from half a year up to three years. These CDs provide the most accessible entry point at a $1,000 investment.
Rising Bank standard CDs
| Term length | APY |
|---|---|
| 6 months | 4.05% |
| 12 months | 3.90% |
| 15 months | 3.50% |
| 24 months | 3.40% |
| 36 months | 2.75% |
| 6 months | |
|---|---|
| APY | 4.05% |
| 12 months | |
| APY | 3.90% |
| 15 months | |
| APY | 3.50% |
| 24 months | |
| APY | 3.40% |
| 36 months | |
| APY | 2.75% |
Bank details checked Oct. 6, 2025.
Bump-up CDs
Rising Bank's "Rising CDs" offer the ability to secure a current return rate while retaining the option to enhance your APY should interest rates climb. Before your account ripens. In conjunction with opting for an increase, you have the flexibility to deposit additional funds into your account.
Rising Bank bump-up CD rates
| Term length | APY |
|---|---|
| 18 months | 3.45% |
| 26 months | 3.15% |
| 18 months | |
|---|---|
| APY | 3.45% |
| 26 months | |
| APY | 3.15% |
Bank details checked Oct. 6, 2025.
Jumbo CDs
Jumbo Certificates of Deposit generally offer a better Annual Percentage Yield as compensation for placing a substantial sum of money into your account. Currently, Rising Bank's CDs offer a 3.25% APY, a rate that falls short of what's attainable with numerous alternative financial instruments. Ink's standard and enhanced Certificates of Deposit.
Rising Bank Jumbo CDs
| Term length | APY |
|---|---|
| 24 months | 3.25% |
| 24 months | |
|---|---|
| APY | 3.25% |
| APY |
Bank details checked Oct. 6, 2025.
Compare Rising Bank to competitors
While Rising Bank's Certificates of Deposit are a solid choice, they may not always offer the most competitive rates available. Competitors are offering impressive yields on CDs that have minimal or no initial deposit requirements.
 Rising Bank |  Discover Bank |  Northern Bank Direct |
|---|---|---|
| 6 months | 6 months | 6 months |
| 4.05% | 3.50% | 4.00% |
| 12 months | 12 months | 12 months |
| 3.90% | 4.00% | 3.25% |
| 15 months | 15 months | 15 months |
| 3.50% | N/A | 3.25% |
| 24 months | 24 months | 24 months |
| 3.40% | 3.60% | 3.25% |
| 36 months | 36 months | 36 months |
| 2.75% | 3.60% | 3.25% |
| Learn more | Learn more | Learn more |
| View offer at Bankrate | View offer at Discover | View offer at Northern Bank Direct |
Bank details checked Oct. 6, 2025.
Learn more about Rising Bank
Rising Bank operates as a wholly online subsidiary of Midwest BankCentre, located in St. A financial institution with over a century of history, Louis. Your funds are protected by the FDIC, with coverage extending up to the standard limit of $250,000 for each depositor within every ownership category.
Rising Bank distinguishes itself as one of the uncommon financial institutions focusing on a broader range of services beyond solely high-yield deposit accounts. Beyond CDs, we also offer checking and savings accounts, mortgages, insurance, and business loans.
Frequently asked questions
What CD terms does Rising Bank offer?
Rising Bank provides a selection of CD terms including 6, 12, 15, 18, 24, 26, and 36 months.
What are the penalties for early withdrawal from Rising Bank Certificates of Deposit?
The penalties for taking your money out early, before your account reaches its maturity date, are determined by how long you agreed to keep the funds in the account. You will be charged interest on the withdrawn sum for a period of 90 to 180 days.
What happens when my Rising Bank CD matures?
Upon the maturity of your Rising Bank CD, you are granted a 10-day grace period during which you can withdraw your funds or transfer them to a different CD. Your account will be automatically renewed if no action is taken.
What is the smallest amount needed to open a Certificate of Deposit at Rising Bank?
Rising Bank requires a minimum deposit of $1,000 to $100,000 for its CDs, varying by CD selection.
Are Rising Bank CDs FDIC insured?
Rising Bank Certificates of Deposit are covered by FDIC insurance, with coverage extending up to $250,000 per individual per category of ownership.