Last Updated: 11/12/2025
Dayspring Bank High-Yield CDs
Unaffiliated
in CD Accounts from Dayspring Bank
Last Updated: 11/12/2025
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Highlights
APY (Annual Percentage Yield)
3.96%(Verified 11/12/2025)
Minimum Opening Deposit
Starting at $1
Certificate Term
1 month
Dayspring Bank High-Yield CDs Review
Dayspring Bank High-Yield CDs are offered by Dayspring Bank, a bank founded in 1906 and based in Omaha, NE. Dayspring Bank High-Yield CDs are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- Only one CD type available. Dayspring Bank High-Yield CDs only offers traditional CD accounts.
- Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 3.96%, which is much higher than the national average for a CD account.
- Small minimum initial deposit. You only need $1 to open an account.
- Limited selection of CD terms. Dayspring Bank High-Yield CDs only offers one CD term. This limits your options when trying to set up a CD ladder.
Pros & Cons of Dayspring Bank High-Yield CDs
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Dayspring Bank High-Yield CDs FAQ
Are CD from Dayspring Bank federally insured?
Yes, your Dayspring Bank CDs are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What types of CDs does Dayspring Bank offer?
Dayspring Bank High-Yield CDs provides the following types of CDs.- Traditional CDs. These CDs pay a fixed interest rate if you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or automatically renewing the CDs for another term.
What rates does Dayspring Bank offer on its CDs?
The CD rates for this account have an APY of3.96% (APY stands for annual percentage yield, rates may change). This is higher than the typical APY for online-only checking accounts, which is around 1.6% APY for 12-month CDs.
What terms does Dayspring Bank High-Yield CDs offer?
Dayspring Bank offers CD terms of the following lengths:| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Certificate Term | 1 month | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 3.96% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1-Month APY | 3.96 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the minimum deposit to open a CD account with Dayspring Bank?
Dayspring Bank High-Yield CDs require a minimum deposit of $1 to open an account.
What is the grace period for Dayspring Bank High-Yield CDs?
Dayspring Bank High-Yield CDs does not specify what their grace period is. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the grace period. Note that the new CD rates probably won’t be the same as the original.
What types of fees, such as early withdrawal penalties, does Dayspring Bank charge?
Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw your money before the term ends.
Dayspring Bank charges an early withdrawal fee.
Dayspring Bank does charge any of the fees we track.
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