Ready for a guaranteed return on your savings? Open a Quontic Bank CD in just 3 minutes and watch your money grow with top rates and FDIC protection.
Key Takeaways
- Quontic Bank CD accounts provide competitive, often top-ranking APYs for terms ranging from 6 months to 60 months.
- A minimum deposit of $500 makes it accessible to a wide range of savers.
- Interest is compounded daily and credited monthly, maximizing your earning potential.
- FDIC insurance ensures your investment is safe and secure.
- Early withdrawals are subject to penalties, emphasizing the importance of selecting a term that aligns with your financial goals.
Introduction
As a digital-first bank, Quontic combines the convenience of online banking with the reliability of traditional savings to offer an investment product that stands out in the crowded financial marketplace. Whether you’re a seasoned investor or just starting to build your savings, Quontic Bank’s CD accounts promise a straightforward, lucrative path to growing your money.
With FDIC protection and top rates, let’s explore why opening a Quontic Bank CD could be the smart move for your financial future. Ready to watch your savings flourish?
Compare their rates with the nation’s best Savings rates here and the best CD rates here.
See the bottom of this page for more offers from Quontic.
READ MORE: WELCOME OFFERS FROM AXOS AND BMO.
Quontic Bank CD Account Offers (Available Nationwide)
- Available nationwide
- Minimum for APY: $500
- Maximum for APY: –
Here are the APYs as of 11/21/2024:
| TERM | APY |
|---|---|
| 6 Month CD | 3.75% |
| 12 Month CD | 3.00% |
| 24 Month CD | 3.35% |
| 36 Month CD | 3.25% |
| 60 Month CD | 3.00% |
READ MORE: COMPARE THE NATION’S BEST CD RATES HERE
Quontic Bank CDs Are A Safe Investment With Competitive Rates
Quontic Bank offers a variety of Certificates of Deposit (CDs) with terms ranging from six months to sixty months. These accounts require a minimum deposit of $500, which is relatively low compared to other online banks.
With Quontic Bank’s CD accounts, you can rest assured that your hard-earned money is protected and guaranteed a strong return.
Their CD rates are highly competitive and even trend-setting, ensuring that your investment grows faster than inflation. The accounts are FDIC insured, so you can have peace of mind knowing that your money is in safe hands.
Opening a Quontic Bank CD account is quick and easy. You can transfer funds from an existing Quontic account, or from an external account via ACH or Plaid’s technology. Just make sure you have sufficient funds available before you begin.
Interest is calculated daily and credited to your account monthly, using the daily balance method. This means that your interest is compounded every day, so your investment grows faster. Withdrawals before the maturity date are subject to penalties, so it’s important to choose a term that works best for your financial goals.
TRENDING DEAL:
Disclaimers:
The Annual Percentage Yield (APY) is accurate as of 10/3/2025. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE® Checking account is at least $1,500.Option 2Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE® Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE® Savings account will earn a promotional rate of up to 4.51% APY for the statement cycle in which the requirements are met.The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account. Show Less
Frequently Asked Questions (FAQ)
You can open a CD account online in less than 3 minutes on their website.
The minimum deposit is $500.
You can fund your CD by transferring money from your existing Quontic account, from an external account via ACH, or using Plaid’s technology.
Interest is compounded daily and credited to your account monthly. The interest calculation is done using the daily balance method.
You will start earning interest on the business day after the deposit is received. Interest is paid monthly.
They will send you a Maturity Notice before your CD’s maturity date. You can withdraw principal without penalty, renew the CD, or close it and open a new one within a 10-day grace period.
Yes, you will receive a confirmation after the CD automatically renews following the 10-day grace period.
Early withdrawal of principal before maturity is not allowed without Quontic Bank’s consent and may incur penalties
READ MORE: SEE QUONTIC BANK’S HIGH YIELD SAVINGS RATES HERE
Our Take on the Offer
Nice rates from Quontic Bank. You can open an account easily online and the minimum $500 requirement is low compared to other online banks.
In just three minutes or less, you can open a Quontic Bank CD account and start growing your money.
Share Your Quontic Bank Experience!
Have you opened a CD account with Quontic Bank, or are you considering it? We’d love to hear from you! Your experiences and insights can help others make informed decisions about their savings strategies. Please share in the comments.
See more:
- Quontic Bank High Interest Checking Account Earns 1.10% APY (Nationwide)
- Quontic Bank Money Market Account 3.75% APY Offer [Nationwide]
- Quontic Bank High Yield Savings Account Earns 3.75% APY (Nationwide)
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
By Tony Jay, a seasoned finance blogger and executive editor, who boasts over two decades of experience in the banking sector, with a specialization in online banking and savings strategies. Tony holds a doctoral degree from Tulane University. Edited by John Huynh, who brings more than two decades of experience in finance and investing, including as a senior finance and operations manager at a renowned research institute and degrees in economics and international studies from UC Irvine.
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