Bank of Smithtown CD Rates

Bank of Smithtown with locations throughout Long Island, New York, is advertising regular certificates of deposits, Individual Retirement Account (IRA) certificates of deposit and Student certificates of deposit. CD terms range between 3 months and 60 months. Bank of Smithtown CD rates are not necessarily the highest CD rates available but their rates are competitive with the national average CD rates.

Searching for bank CD rates and credit union CD rates? Use our CD rate tables at CDRates.MonitorBankRates.com to find the best CD rates in your area.




The minimum opening deposit is $2,500 for regular CDs. IRA CDs and Student CDs have a minimum opening balance of $1,000. Bank of Smithtown CD rates are competitive with the national average CD rates.

Bank of Smithtown is also offering an 18 month variable CD rate IRA/Keogh certificate of deposit. The current 18 month variable CD rate is 1.00 percent with an annual percentage yield of 1.00 percent.

Bank of Smithtown CD Rates

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  3 Month CD Rate 0.50% APY 0.50%


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  6 Month CD Rate 0.60% APY 0.60%


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  7 Month CD Rate 0.60% APY 0.60%


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  9 Month CD Rate 0.60% APY 0.60%


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  12 Month CD Rate 0.80% APY 0.80%


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  13 Month CD Rate 0.80% APY 0.80%


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  15 Month CD Rate 0.85% APY 0.85%


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  18 Month CD Rate 1.00% APY 1.00%


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  2 year CD Rate 1.50% APY 1.50%


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  30 Month CD Rate 1.69% APY 1.70%


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  3 Year CD Rate 1.79% APY 1.80%


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  5 year CD Rate 2.23% APY 2.25%

Certificates of deposit are insured by the FDIC for up to $250,000. For a current list of Bank of Smithtown CD rates visit bankofsmithtownonline.com.