Quontic CDs Review

Online CDs from 3 to 60 months with a $500 minimum, at 4.00% on the 12- and 24-month terms. Independent Quontic CDs review: 0/5 for certificates of deposit.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked October 12, 2026.

Our verdict

Quontic's 12- and 24-month CDs pay 4.00% from $500, and the six-month pays 3.75%, but the 36- and 60-month terms drop to 2.85% and 2.75%. Early withdrawals carry penalties that Quontic does not spell out beside the rates, and no money can be added once a CD is open. It is a short-term CD from a digital bank.

Skip it if you want to lock a rate for three to five years, or want the early-withdrawal cost stated up front.

About Quontic CDs

Online CDs from 3 to 60 months with a $500 minimum, at 4.00% on the 12- and 24-month terms. Quontic CDs is offered by Quontic Bank. We could not find a published customer rating for it on Trustpilot or the Better Business Bureau, so none is shown.

Best for: Savers who want a 12- or 24-month online CD with a $500 minimum.

Editorial grade: B- (composite score 71/100).

Highlights

12- and 24-month CDs at 4.00% APY and 6-month at 3.75%; the 36- and 60-month terms fall to 2.85% and 2.75% (Quontic's own pages: accurate and effective as of September 24, 2026)
$500 to open, up to $1,000,000 per CD; no money can be added after you open
A 10-day grace period at maturity to withdraw principal or renew

What we like

A $500 minimum on every term
The 12- and 24-month terms pay the same 4.00%
FDIC insured through Quontic Bank (certificate 57807)

Where it falls short

The 36- and 60-month terms pay under 3%, so the ladder falls off after two years
Withdrawals before maturity are subject to penalties; Quontic's pages do not state the schedule next to the rates
A digital bank: open to U.S. citizens 18 or older, and no money can be added to an open CD

Fees, minimums, and rates

Monthly fee: $0 monthly; early-withdrawal penalty applies. Minimum to open: $500. Current APY: 4.00%. Rates and fees last checked on October 12, 2026.

How we reviewed it

This is a desk review: we have not opened an account with Quontic Bank. It is built from Quontic Bank's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Certificates of Deposit shortlist. Our bank-account reviews weight APY (30%), fees (20%), access and convenience (15%), account features (15%), trust and safety (10%), and customer support (10%). The rubric is the same for every brand.

The bank behind this account

Quontic Bank, FDIC certificate 57807: capital, loan quality, every office and the complaint record.

Similar products to compare

Read our full editorial methodology for how we review products.