Byline Bank offers 4.10% APY on a 13-month certificate of deposit with a $5,000 minimum deposit. Interest is paid quarterly until maturity. Early withdrawal before maturity results in a penalty of 90 days' interest.
Eligibility
Available nationwide
No state restrictions on this offer.
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the Byline Bank 13-Month Promo CD rate
- Apply through the offer page to open the 13-Month Promo CD.
- Complete the requirement: $5,000 minimum, 13-month term.
The fine print that matters
- Promotional rate
- Early withdrawal penalty: 90 days interest forfeiture for terms of one year or less
- Interest must remain on deposit until maturity for full APY
- Rates subject to change without notice
- If withdrawal occurs within 6 days after deposit, minimum 7 days interest charged as penalty
Verification and reports
Confirmed against bylinebank.com on Aug 17, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: bylinebank.com rate page (checked Aug 17, 2026)
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