Brilliant Bank CD review

Brilliant Bank keeps its CD line short: three terms of 3, 9 and 15 months, each at 4.00% APY. That flat rate is the appeal, because a 3-month CD paying the same as a 15-month one lets you lock in without tying money up for long. The minimum opening deposit is $1,000, which is also the minimum balance needed to earn the APY, and each account tops out at $500,000. The 3-month CD credits interest at maturity, while the 9-month CD credits monthly. Brilliant Bank is a division of Equity Bank, and deposits at the two are insured together up to $250,000. There are real limits: the page dates its rates as effective 12/19/25, says the initial APY is for new depositors only, and the rates are not available in Nebraska, Kansas, Missouri, Oklahoma and Arkansas. Early withdrawal penalties may apply, but the CD page does not list them.

Who it is for

savers who want a flat rate on short terms

Price

$1,000 minimum to open and earn the APY; 4.00% APY on 3, 9 and 15 months.

Minimum balance required to obtain the annual percentage yield is $1,000.
Quoted from the vendor pricing page on November 13, 2026.

Key features

• 4.00% APY on 3-month, 9-month and 15-month CDs
• $1,000 minimum opening deposit
• Account maximum of $500,000
• 9-month CD credits interest monthly; 3-month CD credits at maturity
• Customer service by phone, text and email

Strengths and weaknesses

• Strength: Same 4.00% APY on a 3-month term as on 15 months
• Strength: Short terms suit a CD ladder
• Strength: $500,000 account maximum
• Weakness: Rates were posted as effective 12/19/25
• Weakness: Not available in Nebraska, Kansas, Missouri, Oklahoma and Arkansas
• Weakness: Only three terms and a $1,000 minimum

Key facts

• APY: 4.00% (3, 9 and 15 months)
• Terms: 3, 9 and 15 months
• Minimum deposit: $1,000
• Account maximum: $500,000

Where it ranks

Brilliant Bank CD is No. 8 in our Best CD Rates verdict.