Home Banks Openbank by Santander CD Rates & Fixed Deposits

Openbank by Santander: CD Rates & Fixed Deposits (2026)

Check Openbank by Santander Rates & Apply ↗

Alex Parker, CFA

Senior Banking Editor

October 28th, 2026

Openbank by Santander CD Rates & Fixed Deposits Ratings Breakdown

Overall 9.4 / 10

Openbank by Santander scores 9.4/10 for Overall in CD Rates & Fixed Deposits, backed by 5.00% APY rates and transparent digital terms.

Interest Rates & APY 9.4 / 10

Openbank by Santander scores 9.4/10 for Interest Rates & APY in CD Rates & Fixed Deposits, backed by 5.00% APY rates and transparent digital terms.

Fees & Minimums 9.7 / 10

Openbank by Santander scores 9.7/10 for Fees & Minimums in CD Rates & Fixed Deposits, backed by 5.00% APY rates and transparent digital terms.

Customer Service 9.1 / 10

Openbank by Santander scores 9.1/10 for Customer Service in CD Rates & Fixed Deposits, backed by 5.00% APY rates and transparent digital terms.

Mobile App & Digital Banking 9.4 / 10

Openbank by Santander scores 9.4/10 for Mobile App & Digital Banking in CD Rates & Fixed Deposits, backed by 5.00% APY rates and transparent digital terms.

Rewards & Perks 9.7 / 10

Openbank by Santander scores 9.7/10 for Rewards & Perks in CD Rates & Fixed Deposits, backed by 5.00% APY rates and transparent digital terms.

When evaluating Openbank by Santander for CD Rates & Fixed Deposits in 2026, our financial analysts examined interest rates (5.00% APY), monthly maintenance fees, deposit insurance, and digital banking tools.

Openbank by Santander is the U.S. digital banking platform backed by Santander Bank, N.A. (Member FDIC), offering a headline 5.00% APY High-Yield Savings account with $0 monthly fees and sleek mobile biometric security.

Key Highlights for CD Rates & Fixed Deposits: