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National CD Rate Trends

Best Certificate of Deposit Rates October 2026 Up to 6.14%

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 1, 2026

CD rates range from 4.05% to 17.23% APY, verified by MonitorBankRates as of October 1, 2026. Top CD rates currently available include Southeast Missouri Community Credit UnionSoutheast Missouri Community Credit Union312 W Main St, Park Hills, MO 63601 2544A+5.0 ★Texas Ratio: 1.03% offering 12 month Youth at 6.14% APY, and Vacationland Federal Credit UnionVacationland Federal Credit Union2409 E Perkins Ave, Sandusky, OH 44870A+5.0 ★Texas Ratio: 4.80% offering 12 Month Youth Certificates at 6.03% APY, and Congressional Federal Credit UnionCongressional Federal Credit Union10461 White Granite Dr, Oakton, VA 22124A5.0 ★Texas Ratio: 8.63% offering Flexible Saver - 1 Year Certificate at 6.00% APY, and CO-OP Credit UnionCO-OP Credit Union100 E Main St, Black River Falls, WI 54615A+5.0 ★Texas Ratio: 5.54% offering 12 Month Youth Saver Certificate at 6.00% APY. CD rates as of October 1, 2026 according to verified data from MonitorBankRates.

Finding the best CD rate is one of the safest ways to grow your savings. Unlike variable accounts, a CD lets you lock in a high APY for a specific term, protecting your return from market fluctuations. We empower savers with transparent financial health metrics, including A-F Safety Grades, verified Star Ratings, and Texas Ratios, so you can choose a stable, highly-rated institution with confidence.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution’s discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 1, 2026

Compare the Best CD Rates Nationwide

State: Min Deposit:
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3 Month CD Rates

MonitorBankRates National Average · 3 Month CD2.07% APY▼ 0.01% from last week
View 3-month CD rate trend

The national average 3-month CD rate is 2.07% APY as of October 2, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
150 East 45th Street, New York, NY 10017
3 Month Certificate
$0
4.50% ▲ 2.43% above avg
View
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.07%▲ 2.43% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
3 Month Simple CDs
$0
4.35% ▲ 2.28% above avg
View
▼
Rate4.27%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.07%▲ 2.28% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 18, 2026: 4.00% APYSep 22, 2026: 4.35% APYSep 18, 2026Oct 2, 2026
  • Sep 22, 20264.35%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3305 Steck Ave Ste 275, Austin, TX 78757
3 Month Certificate of Deposit
$1,000
4.32% ▲ 2.25% above avg
View
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.07%▲ 2.25% above avg
Details

UP to $99,999.99

Rate History
No change since Sep 14, 2026 · 4.32% APY · checked 4 times
3.82%4.32%4.82%Sep 14, 2026: 4.32% APYSep 14, 2026Oct 2, 2026
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
7665 Merriman Rd, Romulus, MI 48174 1920
Jumbo CD 3 Months
$3,000,000
4.32% ▲ 2.25% above avg
View
▼
Rate4.25%
Min Deposit$3,000,000
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.07%▲ 2.25% above avg
Details

Min: $3,000,000 Max: $6,000,000

Rate History
No change since Sep 21, 2026 · 4.32% APY · checked 3 times
3.82%4.32%4.82%Sep 21, 2026: 4.32% APYSep 21, 2026Oct 2, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
3 Month Business CD
$5,000
4.30% ▲ 2.23% above avg
View
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.07%▲ 2.23% above avg
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 2, 2026
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
3 MONTH CD
$0
4.27% ▲ 2.20% above avg
View
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.07%▲ 2.20% above avg
Details

Balance: $500,000.00 and over

Rate History
3 changes since Sep 8, 2026 · 3.96% → 4.27% ▲ 0.31 pts · high 4.27% / low 3.96%
3.46%4.12%4.77%Sep 8, 2026: 3.96% APYSep 18, 2026: 4.16% APYSep 24, 2026: 4.22% APYSep 27, 2026: 4.27% APYSep 8, 2026Oct 2, 2026
  • Sep 27, 20264.27%▲ from 4.22%
  • Sep 24, 20264.22%▲ from 4.16%
  • Sep 18, 20264.16%▲ from 3.96%
  • Sep 8, 20263.96%first recorded
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
201 S Main St Fl 5, Salt Lake City, UT 84111
3 Month Certificate of Deposit
$0
4.27% ▲ 2.20% above avg
View
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.07%▲ 2.20% above avg
Details

No additional details available.

Rate History
No change since Sep 30, 2026 · 4.27% APY · checked 2 times
3.77%4.27%4.77%Sep 30, 2026: 4.27% APYSep 30, 2026Oct 2, 2026
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
3-MONTH CD
$0
4.25% ▲ 2.18% above avg
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.07%▲ 2.18% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 2, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Ivy Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1374 Massachusetts Ave, Cambridge, MA 02138
3 Month High-Yield Certificates of Deposit
$1,000
4.25% ▲ 2.18% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.07%▲ 2.18% above avg
Details

See below for full disclosure. Rates effective as of 9/22/26 and are subject to change without notice. The Annual Percentage Yield (APY) is based on monthly compounding with funds held to maturity. Additional deposits are not permitted. Substantial penalties for early withdrawal may be imposed. Withdrawals and penalties may reduce earnings.

Rate History
No change since Sep 27, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 27, 2026: 4.25% APYSep 27, 2026Oct 2, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
3 Month IRA Certificate
$250,001
4.23% ▲ 2.16% above avg
View
▼
Rate4.15%
Min Deposit$250,001
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.07%▲ 2.16% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.23% ▲ 0.26 pts · high 4.23% / low 3.97%
3.47%4.10%4.73%Sep 14, 2026: 3.97% APYSep 21, 2026: 4.23% APYSep 14, 2026Oct 2, 2026
  • Sep 21, 20264.23%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
15 S Main St, Deerfield, WI 53531
90 Day Certificate of Deposit
$1,000
4.21% ▲ 2.14% above avg
View
▼
Rate4.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.07%▲ 2.14% above avg
Details

No additional details available.

Rate History
No change since Sep 19, 2026 · 4.21% APY · checked 3 times
3.71%4.21%4.71%Sep 19, 2026: 4.21% APYSep 19, 2026Oct 2, 2026
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
3 Month FDIC-Insured Certificate of Deposit
$0
4.20% ▲ 2.13% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.07%▲ 2.13% above avg
Details

No additional details available.

Rate History
1 change since Sep 24, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
3.60%4.15%4.70%Sep 24, 2026: 4.10% APYSep 27, 2026: 4.20% APYSep 24, 2026Oct 2, 2026
  • Sep 27, 20264.20%▲ from 4.10%
  • Sep 24, 20264.10%first recorded
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
90 Day Jumbo Certificates of Deposit
$0
4.18% ▲ 2.11% above avg
View
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.07%▲ 2.11% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 3 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 2, 2026
Heritage Bank Minnesota
Institution Rating:
A-4.4 ★Texas Ratio: 8.07%
181 Main St, West Concord, MN 55985
3 Month Fixed CD
$250
4.16% ▲ 2.09% above avg
View
▼
Rate4.10%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.07%▲ 2.09% above avg
Details

EARLY WITHDRAWAL PENALTIES (Minimum $25): 91 Days Interest

Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 3 times
3.66%4.16%4.66%Sep 14, 2026: 4.16% APYSep 14, 2026Oct 2, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
3 Month CD
$0
4.15% ▲ 2.08% above avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.07%▲ 2.08% above avg
Details

No additional details available.

Rate History
1 change since Sep 24, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95%
3.45%4.05%4.65%Sep 24, 2026: 3.95% APYOct 1, 2026: 4.15% APYSep 24, 2026Oct 2, 2026
  • Oct 1, 20264.15%▲ from 3.95%
  • Sep 24, 20263.95%first recorded
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
200 S Quintard Ave, Anniston, AL 36201
90 Day Certificate Special
$0
4.15% ▲ 2.08% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.07%▲ 2.08% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 5 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 2, 2026
First Security B&T Co.
Institution Rating:
F1.0 ★Texas Ratio: 111.10%
1541 Ne 23rd St, Oklahoma City, OK 73111
90 Day CD
$1,000
4.15% ▲ 2.08% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.07%▲ 2.08% above avg
Details

APY accurate as of 10/01/26 - 11/20/26. Minimum $1,000.00 to open and obtain the APY. Early withdrawal penalty may apply.

Rate History
No change since Oct 2, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 2, 2026: 4.15% APYOct 2, 2026Oct 2, 2026
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
2400 W Bridge St, Owatonna, MN 55060 5003
3 Month Share Certificate
$500
4.15% ▲ 2.08% above avg
View
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.07%▲ 2.08% above avg
Details

Rates effective September 21, 2026; Special rate; APY* is Annual Percentage Yield.

Rate History
No change since Sep 25, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Sep 25, 2026: 4.15% APYSep 25, 2026Oct 2, 2026
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
1508 Stillwater Ave, Cheyenne, WY 82009
3 Month CD
$0
4.14% ▲ 2.07% above avg
View
▼
Rate4.06%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.07%▲ 2.07% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.14% ▲ 0.54 pts · high 4.14% / low 3.60%
3.06%3.87%4.68%Sep 14, 2026: 3.60% APYSep 24, 2026: 4.14% APYSep 14, 2026Oct 2, 2026
  • Sep 24, 20264.14%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Momentum Share Certificate Rate - 3 Month Special
$0
4.13% ▲ 2.06% above avg
View
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.07%▲ 2.06% above avg
Details

Balance: $1000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.13% → 4.13% ▲ 0.00 pts · high 4.13% / low 4.13%
3.63%4.13%4.63%Sep 18, 2026: 4.13% APYSep 29, 2026: 4.13% APYSep 18, 2026Oct 2, 2026
  • Sep 29, 20264.13%▲ from 4.13%
  • Sep 18, 20264.13%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
410 Park Ave, New York, NY 10022
3 Month Certificate of Deposits
$100,000
4.10% ▲ 2.03% above avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.07%▲ 2.03% above avg
Details

Minimum $100,000 required to open an account. Rates are subject to change. Other terms and conditions may apply.

Rate History
No change since Sep 27, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Sep 27, 2026: 4.10% APYSep 27, 2026Oct 2, 2026
First State Bank (MI)
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
16100 E 9 Mile Rd, Eastpointe, MI 48021
90 Day Jumbo CDs
$0
4.10% ▲ 2.03% above avg
View
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.07%▲ 2.03% above avg
Details

No additional details available.

Rate History
No change since Sep 19, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 19, 2026: 4.10% APYSep 19, 2026Oct 2, 2026
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2000 Mckinney Ave, Dallas, TX 75201
Bask 3 Month CD
$0
4.10% ▲ 2.03% above avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.07%▲ 2.03% above avg
Details

No additional details available.

Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 24, 2026: 4.10% APYSep 24, 2026Oct 2, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
5640 Democracy Dr, Plano, TX 75024
3-Month HYRC Certificate
$0
4.10% ▲ 2.03% above avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.07%▲ 2.03% above avg
Details

High-Yield Rewards Checking Account required

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 18, 2026Oct 2, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Resound Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1701 21st Ave s, Nashville, TN 37212 3703
3-Month Certificate
$0
4.10% ▲ 2.03% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.07%▲ 2.03% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 2, 2026
North Country Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
127 Main St, Canton, NY 13617
3 Month Three Month Business CD
$1,000
4.07% ▲ 2.00% above avg
View
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 24, 2026
MBR National Avg2.07%▲ 2.00% above avg
Details

No additional details available.

Rate History
No change since Sep 24, 2026 · 4.07% APY
3.57%4.07%4.57%Sep 24, 2026: 4.07% APYSep 24, 2026Oct 2, 2026
Peoples Bank Lebanon, KY
Institution Rating:
C4.0 ★Texas Ratio: 27.27%
265 Old Springfield Rd, Lebanon, KY 40033
3 Month CD
$0
4.07% ▲ 2.00% above avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.07%▲ 2.00% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 2, 2026
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
3 Month Certificate - Platinum Tier
$0
4.06% ▲ 1.99% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.07%▲ 1.99% above avg
Details

Loyalty Program Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)

Rate History
No change since Sep 27, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Sep 27, 2026: 4.06% APYSep 27, 2026Oct 2, 2026
Western Nebraska Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
301 Center Ave, Curtis, NE 69025
3 Month Certificate
$250
4.06% ▲ 1.99% above avg
View
▼
Rate4.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.07%▲ 1.99% above avg
Details

No additional details available.

Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Sep 19, 2026: 4.06% APYSep 19, 2026Oct 2, 2026
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
100 W Walnut St, Nevada, MO 64772
3 Month Basic CDs
$0
4.06% ▲ 1.99% above avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.07%▲ 1.99% above avg
Details

No additional details available.

Rate History
1 change since Sep 20, 2026 · 4.01% → 4.06% ▲ 0.05 pts · high 4.06% / low 4.01%
3.51%4.04%4.56%Sep 20, 2026: 4.01% APYSep 24, 2026: 4.06% APYSep 20, 2026Oct 2, 2026
  • Sep 24, 20264.06%▲ from 4.01%
  • Sep 20, 20264.01%first recorded
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
501 Main St, Milligan, NE 68406
3 Month Certificates of Deposit
$0
4.06% ▲ 1.99% above avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.07%▲ 1.99% above avg
Details

No additional details available.

Rate History
No change since Sep 24, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Sep 24, 2026: 4.06% APYSep 24, 2026Oct 2, 2026
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1115 Sagamore Pkwy S, Lafayette, IN 47905
3 Month Share Certificates
$0
4.06% ▲ 1.99% above avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.07%▲ 1.99% above avg
Details

Term: 3 Months ($250K +) SPECIAL

Rate History
1 change since Sep 14, 2026 · 3.44% → 4.06% ▲ 0.62 pts · high 4.06% / low 3.44%
2.82%3.75%4.68%Sep 14, 2026: 3.44% APYSep 25, 2026: 4.06% APYSep 14, 2026Oct 2, 2026
  • Sep 25, 20264.06%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
3570 S National Ave, Springfield, MO 65807
3 Month Certificate
$0
4.05% ▲ 1.98% above avg
View
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.07%▲ 1.98% above avg
Details

Compounding: At maturity. Availability: Open Online

Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Sep 8, 2026: 4.05% APYSep 8, 2026Oct 2, 2026
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
1001 Post Rd, Darien, CT 06820
3 Month Certificate
$500
4.05% ▲ 1.98% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.07%▲ 1.98% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 2, 2026
OAB One American Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.41%
549 Broadway St, Centerville, SD 57014
3 Month CD Special
$50,000
4.05% ▲ 1.98% above avg
View
▼
Rate3.99%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.07%▲ 1.98% above avg
Details

No additional details available.

Rate History
No change since Sep 27, 2026 · 4.05% APY
3.55%4.05%4.55%Sep 27, 2026: 4.05% APYSep 27, 2026Oct 2, 2026

6 Month CD Rates

MonitorBankRates National Average · 6 Month CD2.76% APYUnchanged from last week
View 6-month CD rate trend

The national average 6-month CD rate is 2.76% APY as of October 2, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Sunlight Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 37.01%
1702 17th St, Cody, WY 82414
6 Month Youth
$100
17.23% ▲ 14.47% above avg
View
▼
Rate16.00%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.76%▲ 14.47% above avg
Details

*

Rate History
No change since Sep 25, 2026 · 17.23% APY
16.73%17.23%17.73%Sep 25, 2026: 17.23% APYSep 25, 2026Oct 2, 2026
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
6 Month Teen CD
$1,000
10.00% ▲ 7.24% above avg
View
▼
Rate9.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.76%▲ 7.24% above avg
Details

max $1,000

Rate History
No change since Sep 14, 2026 · 10.00% APY · checked 5 times
9.50%10.00%10.50%Sep 14, 2026: 10.00% APYSep 14, 2026Oct 2, 2026
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
475 Etna St Ste 10, Saint Paul, MN 55106 5845
6 Month NEW Youth CD
$0
8.00% ▲ 5.24% above avg
View
▼
Rate8.00%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 5.24% above avg
Details

Limit of one CD per member

Rate History
No change since Sep 18, 2026 · 8.00% APY · checked 3 times
7.50%8.00%8.50%Sep 18, 2026: 8.00% APYSep 18, 2026Oct 2, 2026
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
55 Stevens St, Lockport, NY 14094 4229
6 Month Youth Share Certificate
$0
6.00% ▲ 3.24% above avg
View
▼
Rate5.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.76%▲ 3.24% above avg
Details

Balance Range: $50 - $5,000

Rate History
No change since Sep 14, 2026 · 6.00% APY · checked 6 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APYSep 14, 2026Oct 2, 2026
Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
1224 4th Ave S, Park Falls, WI 54552 1923
6 Month Youth share certificate
$100
5.06% ▲ 2.30% above avg
View
▼
Rate5.00%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 2.30% above avg
Details

Teen Cents Club Junior Savers Kangaroo Kids Club Minimum $100.00 Maximum $5,000.00 (Aggregate)

Rate History
No change since Sep 18, 2026 · 5.06% APY · checked 4 times
4.56%5.06%5.56%Sep 18, 2026: 5.06% APYSep 18, 2026Oct 2, 2026
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6310 Dixie Hwy, Bridgeport, MI 48722
6 month - 4H or FFA CD
$0
5.05% ▲ 2.29% above avg
View
▼
Rate4.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.76%▲ 2.29% above avg
Details

Minimum: Amount of 4H or FFA - Youth Fair Participation Check; Max $5,000

Rate History
No change since Sep 14, 2026 · 5.05% APY · checked 6 times
4.55%5.05%5.55%Sep 14, 2026: 5.05% APYSep 14, 2026Oct 2, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
130 Fisher Rd, Berlin, VT 05602
New 6 month CD Special
$2,000
5.00% ▲ 2.24% above avg
View
▼
Rate5.00%
Min Deposit$2,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 2.24% above avg
Details

Must be funded by new money not currently on deposit

Rate History
No change since Sep 22, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Sep 22, 2026: 5.00% APYSep 22, 2026Oct 2, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
6 Month Youth Saver
$500
5.00% ▲ 2.24% above avg
View
▼
Rate4.88%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 2.24% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 5 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 2, 2026
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
320 S Kansas Ave Ste 100, Topeka, KS 66603 3644
Kid's Certificates - 6 Month
$0
5.00% ▲ 2.24% above avg
View
▼
Rate4.91%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 2.24% above avg
Details

No additional details available.

Rate History
No change since Sep 22, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Sep 22, 2026: 5.00% APYSep 22, 2026Oct 2, 2026
Gulf Coast Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
12364 Highway 49, Gulfport, MS 39503
6 Month Youth Share Certificates
$0
5.00% ▲ 2.24% above avg
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.76%▲ 2.24% above avg
Details

Balance: $500-$15,000

Rate History
No change since Sep 25, 2026 · 5.00% APY
4.50%5.00%5.50%Sep 25, 2026: 5.00% APYSep 25, 2026Oct 2, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
348 W Michigan Ave, Kalamazoo, MI 49007
Rising Rate Certificate of Deposit - Third 6-month Term
$0
4.75% ▲ 1.99% above avg
View
▼
Rate4.65%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.99% above avg
Details

No additional details available.

Rate History
No change since Sep 19, 2026 · 4.75% APY · checked 4 times
4.25%4.75%5.25%Sep 19, 2026: 4.75% APYSep 19, 2026Oct 2, 2026
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
7007 Broadway Ave, Cleveland, OH 44105
6 Month Bonus CD
$0
4.75% ▲ 1.99% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.99% above avg
Details

Minimum to Obtain: $500

Rate History
No change since Sep 18, 2026 · 4.75% APY · checked 4 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APYSep 18, 2026Oct 2, 2026
United Midwest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
101 N Main St, West Manchester, OH 45382
6-Month CD
$500
4.75% ▲ 1.99% above avg
View
▼
Rate4.64%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.99% above avg
Details

Rates as of 10/1/26. Minimum opening balance $500; minimum balance to earn the APY $500. Also available as IRAs. Penalty for early withdrawal.

Rate History
No change since Oct 2, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 2, 2026: 4.75% APYOct 2, 2026Oct 2, 2026
The Community State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
405 Us Highway 271, Wister, OK 74966
6 Month CD
$0
4.55% ▲ 1.79% above avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.76%▲ 1.79% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.55% ▲ 0.25 pts · high 4.55% / low 4.30%
3.80%4.43%5.05%Sep 14, 2026: 4.30% APYSep 24, 2026: 4.55% APYSep 14, 2026Oct 2, 2026
  • Sep 24, 20264.55%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
150 East 45th Street, New York, NY 10017
6 Month Certificate
$0
4.50% ▲ 1.74% above avg
View
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.74% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
100 S Cherry St, Mount Pleasant, IA 52641
6 Month Share Certificate
$500
4.50% ▲ 1.74% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 1.74% above avg
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 2, 2026
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
6 Month IRA Certificate
$0
4.50% ▲ 1.74% above avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 1.74% above avg
Details

Rates are based on the date/time that funds are received and processed.

Rate History
No change since Sep 27, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Sep 27, 2026: 4.50% APYSep 27, 2026Oct 2, 2026
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
105 E Winslow Rd, Bloomington, IN 47401
6 Month Business Term Certificates
$0
4.50% ▲ 1.74% above avg
View
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 1.74% above avg
Details

APY* (%)

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 2, 2026
Heritage Hub Federal Credit Union
Institution Rating:
A+5.0 ★
2645 Winrock Blvd, Houston, TX 77057
6 Month Certificates of Deposit
$0
4.50% ▲ 1.74% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 1.74% above avg
Details

Rates effective April 2026. Federally insured by NCUA. Membership eligibility required. See full rates & terms at heritagehubfederal.org - Early withdrawal penalties apply to CDs. Available terms: 6-month, 12-month, 18-month, 24-month, and Jumbo 24-month CDs.

Rate History
1 change since Sep 24, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
3.00%4.13%5.25%Sep 24, 2026: 3.75% APYOct 1, 2026: 4.50% APYSep 24, 2026Oct 2, 2026
  • Oct 1, 20264.50%▲ from 3.75%
  • Sep 24, 20263.75%first recorded
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
6 Month Share Certificates
$0
4.50% ▲ 1.74% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.76%▲ 1.74% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
6 MONTH CD
$0
4.45% ▲ 1.69% above avg
View
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.69% above avg
Details

Balance: $500,000.00 and over

Rate History
2 changes since Sep 8, 2026 · 4.14% → 4.45% ▲ 0.31 pts · high 4.45% / low 4.14%
3.64%4.30%4.95%Sep 8, 2026: 4.14% APYSep 18, 2026: 4.35% APYSep 27, 2026: 4.45% APYSep 8, 2026Oct 2, 2026
  • Sep 27, 20264.45%▲ from 4.35%
  • Sep 18, 20264.35%▲ from 4.14%
  • Sep 8, 20264.14%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
6 Month High-Yield CD
$500
4.40% ▲ 1.64% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 1.64% above avg
Details

10-Day CD Rate Guarantee

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 2, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
201 S Main St Fl 5, Salt Lake City, UT 84111
6 Month Certificate of Deposit
$0
4.40% ▲ 1.64% above avg
View
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.64% above avg
Details

No additional details available.

Rate History
No change since Sep 30, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Sep 30, 2026: 4.40% APYSep 30, 2026Oct 2, 2026
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
15 S Main St, Deerfield, WI 53531
6 Month Certificate of Deposit
$500
4.40% ▲ 1.64% above avg
View
▼
Rate4.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.76%▲ 1.64% above avg
Details

No additional details available.

Rate History
No change since Sep 19, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Sep 19, 2026: 4.40% APYSep 19, 2026Oct 2, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
6 Month Certificates of Deposit Accounts
$0
4.36% ▲ 1.60% above avg
View
▼
Rate4.29%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 1.60% above avg
Details

No additional details available.

Rate History
2 changes since Sep 18, 2026 · 3.75% → 4.36% ▲ 0.61 pts · high 4.36% / low 3.75%
3.14%4.06%4.97%Sep 18, 2026: 3.75% APYSep 22, 2026: 3.96% APYSep 27, 2026: 4.36% APYSep 18, 2026Oct 2, 2026
  • Sep 27, 20264.36%▲ from 3.96%
  • Sep 22, 20263.96%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
350 Harrison Bridge Rd, Simpsonville, SC 29680
6 Month Term Share Certificates
$0
4.34% ▲ 1.58% above avg
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.76%▲ 1.58% above avg
Details

No additional details available.

Rate History
No change since Sep 16, 2026 · 4.34% APY · checked 2 times
3.84%4.34%4.84%Sep 16, 2026: 4.34% APYSep 16, 2026Oct 2, 2026
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
6 Month Share Certificate
$0
4.33% ▲ 1.57% above avg
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.76%▲ 1.57% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.33% ▲ 0.38 pts · high 4.33% / low 3.95%
3.45%4.14%4.83%Sep 14, 2026: 3.95% APYSep 25, 2026: 4.33% APYSep 14, 2026Oct 2, 2026
  • Sep 25, 20264.33%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
182 37th Ave N, Saint Petersburg, FL 33704
6-Month Penalty-Free CD
$500
4.33% ▲ 1.57% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.76%▲ 1.57% above avg
Details

No penalty for early withdrawals

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYSep 24, 2026: 4.33% APYSep 14, 2026Oct 2, 2026
  • Sep 24, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
820 W Broadway, Louisville, KY 40202
6 Month Certificate
$0
4.33% ▲ 1.57% above avg
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.76%▲ 1.57% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 4 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 2, 2026
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
4624 W Napoleon Ave, Metairie, LA 70001 2492
Share Certificate 6-Month
$0
4.33% ▲ 1.57% above avg
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.76%▲ 1.57% above avg
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 4.33% APY · checked 3 times
3.83%4.33%4.83%Sep 18, 2026: 4.33% APYSep 18, 2026Oct 2, 2026
Collegedale Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
5046 University Drive, Collegedale, TN 37315
6 Month IRA Certificate
$0
4.33% ▲ 1.57% above avg
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 1.57% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYSep 22, 2026: 4.33% APYSep 14, 2026Oct 2, 2026
  • Sep 22, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Northridge Community Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
283 Kennedy Memorial Dr, Hoyt Lakes, MN 55750
6 Month Certificate of Deposit
$0
4.31% ▲ 1.55% above avg
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.76%▲ 1.55% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.31% APY · checked 3 times
3.81%4.31%4.81%Sep 14, 2026: 4.31% APYSep 14, 2026Oct 2, 2026
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
Certificates of Deposit (CDs) - 6 Months
$2,000
4.30% ▲ 1.54% above avg
View
▼
Rate4.21%
Min Deposit$2,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.54% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 18, 2026: 4.20% APYSep 27, 2026: 4.30% APYSep 18, 2026Oct 2, 2026
  • Sep 27, 20264.30%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
1001 Post Rd, Darien, CT 06820
6 Month Certificate
$500
4.30% ▲ 1.54% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.76%▲ 1.54% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Oct 2, 2026
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
6 MONTH TERM ACCOUNT
$0
4.30% ▲ 1.54% above avg
View
▼
Rate4.22%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.76%▲ 1.54% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Oct 2, 2026
Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
1500 W American Dr, Neenah, WI 54956
6 Month Certificate of Deposit
$0
4.30% ▲ 1.54% above avg
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 1.54% above avg
Details

APY is based upon an assumption that dividends will remain in the account until maturity. Dividends paid semi-annually and at maturity. Early withdrawal penalties may apply.

Rate History
1 change since Sep 18, 2026 · 2.26% → 4.30% ▲ 2.04 pts · high 4.30% / low 2.26%
0.22%3.28%6.34%Sep 18, 2026: 2.26% APYOct 1, 2026: 4.30% APYSep 18, 2026Oct 2, 2026
  • Oct 1, 20264.30%▲ from 2.26%
  • Sep 18, 20262.26%first recorded
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
6 Month Share Certificate
$0
4.30% ▲ 1.54% above avg
View
▼
Rate4.22%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.54% above avg
Details

Balance: $1,000

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.30% APYSep 18, 2026Oct 2, 2026
  • Sep 27, 20264.30%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Bank of South Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
300 E King Ave, Kingsville, TX 78363
6 Month CD Offer
$0
4.28% ▲ 1.52% above avg
View
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.76%▲ 1.52% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 4 times
3.78%4.28%4.78%Sep 14, 2026: 4.28% APYSep 14, 2026Oct 2, 2026
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
6 Month CD
$1,000
4.27% ▲ 1.51% above avg
View
▼
Rate4.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.76%▲ 1.51% above avg
Details

Balance: $100,000 & over

Rate History
1 change since Sep 20, 2026 · 4.22% → 4.27% ▲ 0.05 pts · high 4.27% / low 4.22%
3.72%4.24%4.77%Sep 20, 2026: 4.22% APYSep 24, 2026: 4.27% APYSep 20, 2026Oct 2, 2026
  • Sep 24, 20264.27%▲ from 4.22%
  • Sep 20, 20264.22%first recorded
WebBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
215 S State St, Salt Lake City, UT 84111
6 Month CD
$0
4.26% ▲ 1.50% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.76%▲ 1.50% above avg
Details

No additional details available.

Rate History
1 change since Sep 7, 2026 · 3.96% → 4.26% ▲ 0.30 pts · high 4.26% / low 3.96%
3.46%4.11%4.76%Sep 7, 2026: 3.96% APYSep 27, 2026: 4.26% APYSep 7, 2026Oct 2, 2026
  • Sep 27, 20264.26%▲ from 3.96%
  • Sep 7, 20263.96%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
6 Month CD
$0
4.25% ▲ 1.49% above avg
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 1.49% above avg
Details

No additional details available.

Rate History
1 change since Sep 24, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 24, 2026: 4.15% APYOct 1, 2026: 4.25% APYSep 24, 2026Oct 2, 2026
  • Oct 1, 20264.25%▲ from 4.15%
  • Sep 24, 20264.15%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
6-MONTH CD
$0
4.25% ▲ 1.49% above avg
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.49% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 2, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Riverside Bank of Dublin
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
555 Metro Pl N, Dublin, OH 43017
6 Month Certificate
$500
4.25% ▲ 1.49% above avg
View
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.76%▲ 1.49% above avg
Details

No additional details available.

Rate History
1 change since Sep 7, 2026 · 3.74% → 4.25% ▲ 0.51 pts · high 4.25% / low 3.74%
3.23%4.00%4.76%Sep 7, 2026: 3.74% APYSep 27, 2026: 4.25% APYSep 7, 2026Oct 2, 2026
  • Sep 27, 20264.25%▲ from 3.74%
  • Sep 7, 20263.74%first recorded
Ivy Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1374 Massachusetts Ave, Cambridge, MA 02138
6 Month High-Yield Certificates of Deposit
$1,000
4.25% ▲ 1.49% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 1.49% above avg
Details

See below for full disclosure. Rates effective as of 9/22/26 and are subject to change without notice. The Annual Percentage Yield (APY) is based on monthly compounding with funds held to maturity. Additional deposits are not permitted. Substantial penalties for early withdrawal may be imposed. Withdrawals and penalties may reduce earnings.

Rate History
No change since Sep 27, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 27, 2026: 4.25% APYSep 27, 2026Oct 2, 2026
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
6-month online CD
$25,000
4.25% ▲ 1.49% above avg
View
▼
Rate4.16%
Min Deposit$25,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.49% above avg
Details

Online-only high-yield rates.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYOct 2, 2026: 4.25% APYSep 18, 2026Oct 2, 2026
  • Oct 2, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
First National Bank of Pana
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
306 S Locust St, Pana, IL 62557
6 Month CD SPECIAL!
$1,000
4.25% ▲ 1.49% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.49% above avg
Details

Annual Percentage Yield of 4.25% for 6 months 4 terms to fit your needs-6, 12, 18, and 24-month special.* Call or stop in for full details.

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 2, 2026
First Security B&T Co.
Institution Rating:
F1.0 ★Texas Ratio: 111.10%
1541 Ne 23rd St, Oklahoma City, OK 73111
180 Day CD
$1,000
4.25% ▲ 1.49% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.49% above avg
Details

APY accurate as of 10/01/26 - 11/20/26. Minimum $1,000.00 to open and obtain the APY. Early withdrawal penalty may apply.

Rate History
No change since Oct 2, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 2, 2026: 4.25% APYOct 2, 2026Oct 2, 2026
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
6 Month Certificate of Deposit
$50,000
4.25% ▲ 1.49% above avg
View
▼
Rate4.25%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.76%▲ 1.49% above avg
Details

Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted; BBW can arrange for the safekeeping of the instrument upon request

Rate History
No change since Sep 19, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 19, 2026: 4.25% APYSep 19, 2026Oct 2, 2026
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3401 E Calumet St, Appleton, WI 54915 4757
6 Month Certificate
$0
4.25% ▲ 1.49% above avg
View
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 1.49% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 2, 2026
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
1616 Broadway, Schenectady, NY 12306
6 Month Certificate
$500
4.25% ▲ 1.49% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 1.49% above avg
Details

Additional deposits are not allowed. Certificate will automatically renew at the time of maturity. Sunmark will provide 30 days notice prior to the maturity date. If you do not contact Sunmark on or before the maturity date, the account will renew for the term stated, at the rate current at the time of renewal. You have a grace period of ten days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. Rate is accurate as of August 3, 2026. Speak with a Sunmark representative for current rate information as well as applicable fees and terms. Rates subject to change.

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 2, 2026
South Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
2573 Credit Union Dr, PRIOR LAKE, MN 55372
6 Month Special CD
$1,000
4.25% ▲ 1.49% above avg
View
▼
Rate4.18%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.76%▲ 1.49% above avg
Details

Special^

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 2, 2026
Kalsee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
5220 Lovers Ln Ste 200, Portage, MI 49002
6 Month Certificate Special
$0
4.25% ▲ 1.49% above avg
View
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.76%▲ 1.49% above avg
Details

APY / Dividend Rate: Platinum & VIP Members; Balance: $500 - $1,000,000

Rate History
No change since Sep 29, 2026 · 4.25% APY
3.75%4.25%4.75%Sep 29, 2026: 4.25% APYSep 29, 2026Oct 2, 2026
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
4960 E 21st St N, Wichita, KS 67208
6 Month Share Certificates
$0
4.25% ▲ 1.49% above avg
View
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.76%▲ 1.49% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 1.00% → 4.25% ▲ 3.25 pts · high 4.25% / low 1.00%
0.00%3.75%7.50%Sep 14, 2026: 1.00% APYSep 21, 2026: 4.25% APYSep 14, 2026Oct 2, 2026
  • Sep 21, 20264.25%▲ from 1.00%
  • Sep 14, 20261.00%first recorded
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
3530 Hickory Rd, Mishawaka, IN 46545 8805
6 Month CW Certificates
$0
4.25% ▲ 1.49% above avg
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.49% above avg
Details

Dividends paid at end of each Month; Withdrawal penalty on amount See Below*

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 18, 2026: 4.15% APYOct 2, 2026: 4.25% APYSep 18, 2026Oct 2, 2026
  • Oct 2, 20264.25%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
4400 16th St, Moline, IL 61265
6-Month CD Special
$0
4.25% ▲ 1.49% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.49% above avg
Details

No additional details available.

Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Oct 2, 2026
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
410 Division St, Withee, WI 54498
6 Month CD
$500
4.25% ▲ 1.49% above avg
View
▼
Rate4.19%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.76%▲ 1.49% above avg
Details

Balance: $500 - $9,999.99

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 2, 2026
  • Sep 24, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
141 Massachusetts Ave, Arlington, MA 02474
6 Month Certificate
$0
4.20% ▲ 1.44% above avg
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.44% above avg
Details

Balance: $1,000 - $1,000

Rate History
1 change since Sep 18, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
3.60%4.15%4.70%Sep 18, 2026: 4.10% APYSep 24, 2026: 4.20% APYSep 18, 2026Oct 2, 2026
  • Sep 24, 20264.20%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
The Citizens Bank Enterprise, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
301 S Edwards St, Enterprise, AL 36330
6 Month CD Special
$25,000
4.20% ▲ 1.44% above avg
View
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.76%▲ 1.44% above avg
Details

Limited-time special offer. Funds must be new money.

Rate History
No change since Sep 19, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 19, 2026: 4.20% APYSep 19, 2026Oct 2, 2026
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
27 Pearl St, Portland, ME 04101
Propel Relationship CDs - 6-Month CD
$0
4.15% ▲ 1.39% above avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.39% above avg
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 2, 2026
Loyal Trust Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
11675 Medlock Bridge Rd, Johns Creek, GA 30097
6 Month CD
$1,000
4.15% ▲ 1.39% above avg
View
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 30, 2026
MBR National Avg2.76%▲ 1.39% above avg
Details

Minimum opening deposit - $1000 minimum. $1,000,000 max opening deposit. Early withdrawal penalty may apply.

Rate History
No change since Sep 29, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Sep 29, 2026: 4.15% APYSep 29, 2026Oct 2, 2026

12 Month CD Rates

MonitorBankRates National Average · 12 Month CD2.94% APYUnchanged from last week
View 12-month CD rate trend

The national average 12-month CD rate is 2.94% APY as of October 2, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Southeast Missouri Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
312 W Main St, Park Hills, MO 63601 2544
12 month Youth
$0
6.14% ▲ 3.20% above avg
View
▼
Rate6.00%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.94%▲ 3.20% above avg
Details

$1000.00 Maximum

Rate History
No change since Oct 1, 2026 · 6.14% APY
5.64%6.14%6.64%Oct 1, 2026: 6.14% APYOct 1, 2026Oct 2, 2026
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
12 Month Youth Certificates
$500
6.03% ▲ 3.09% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.94%▲ 3.09% above avg
Details

Age: 19

Rate History
No change since Sep 14, 2026 · 6.03% APY · checked 5 times
5.53%6.03%6.53%Sep 14, 2026: 6.03% APYSep 14, 2026Oct 2, 2026
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
10461 White Granite Dr, Oakton, VA 22124
Flexible Saver - 1 Year Certificate
$100
6.00% ▲ 3.06% above avg
View
▼
Rate5.83%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.94%▲ 3.06% above avg
Details

Term: Flexible Saver - 1 Year Certificate; Special Rate (APY):

Rate History
No change since Sep 20, 2026 · 6.00% APY · checked 2 times
5.50%6.00%6.50%Sep 20, 2026: 6.00% APYSep 20, 2026Oct 2, 2026
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
100 E Main St, Black River Falls, WI 54615
12 Month Youth Saver Certificate
$0
6.00% ▲ 3.06% above avg
View
▼
Rate5.87%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.94%▲ 3.06% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.00% APY · checked 5 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APYSep 14, 2026Oct 2, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306
12 Month Relationship Certificate
$500
5.90% ▲ 2.96% above avg
View
▼
Rate5.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.94%▲ 2.96% above avg
Details

No additional details available.

Rate History
No change since Sep 16, 2026 · 5.90% APY · checked 2 times
5.40%5.90%6.40%Sep 16, 2026: 5.90% APYSep 16, 2026Oct 2, 2026
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
55 Stevens St, Lockport, NY 14094 4229
1 Year Youth Share Certificate
$0
5.50% ▲ 2.56% above avg
View
▼
Rate5.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.94%▲ 2.56% above avg
Details

Balance Range: $50 - $5,000

Rate History
No change since Sep 14, 2026 · 5.50% APY · checked 6 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APYSep 14, 2026Oct 2, 2026
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1910 South Ave, La Crosse, WI 54601
12 Month Teenager Certificate
$0
5.50% ▲ 2.56% above avg
View
▼
Rate5.39%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.94%▲ 2.56% above avg
Details

Age: 13-17

Rate History
No change since Sep 22, 2026 · 5.50% APY · checked 2 times
5.00%5.50%6.00%Sep 22, 2026: 5.50% APYSep 22, 2026Oct 2, 2026
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
417 High St, Frankfort, KY 40601
Traditional Grow with Me 12-Month Certificate
$250
5.25% ▲ 2.31% above avg
View
▼
Rate5.13%
Min Deposit$250
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.94%▲ 2.31% above avg
Details

This account is available only for members under 18 years of age.; Youth Products (Regular, Traditional IRA, and Roth IRA)

Rate History
1 change since Sep 30, 2026 · 5.15% → 5.25% ▲ 0.10 pts · high 5.25% / low 5.15%
4.65%5.20%5.75%Sep 30, 2026: 5.15% APYOct 1, 2026: 5.25% APYSep 30, 2026Oct 2, 2026
  • Oct 1, 20265.25%▲ from 5.15%
  • Sep 30, 20265.15%first recorded
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
1480 E Jefferson Ave, Detroit, MI 48207
12 Month Legacy CD
$0
5.15% ▲ 2.21% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.94%▲ 2.21% above avg
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 5.15% APY · checked 3 times
4.65%5.15%5.65%Sep 18, 2026: 5.15% APYSep 18, 2026Oct 2, 2026
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2711 Commercial Way, Montrose, CO 81401
12 Month DREAM Certificate
$100
5.12% ▲ 2.18% above avg
View
▼
Rate5.00%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.94%▲ 2.18% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 5.12% APY · checked 4 times
4.62%5.12%5.62%Sep 14, 2026: 5.12% APYSep 14, 2026Oct 2, 2026
Spokane Media Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.28%
6103 N Astor St, Spokane, WA 99208 8102
Balance Certificate Builder - 1 Year
$0
5.12% ▲ 2.18% above avg
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.94%▲ 2.18% above avg
Details

Balance: $1 - $5,000

Rate History
No change since Sep 14, 2026 · 5.12% APY · checked 2 times
4.62%5.12%5.62%Sep 14, 2026: 5.12% APYSep 14, 2026Oct 2, 2026
De Soto Mo Pac Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
2082 Rock Rd, De Soto, MO 63020 1052
1 year Certificate of Deposit
$5,000
5.09% ▲ 2.15% above avg
View
▼
Rate5.00%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.94%▲ 2.15% above avg
Details

$100,000.00 maximum for each certificate; 90 penalty for early withdrawal, 10 day grace period at end of contract. Dividends are paid quarterly and deposited to certificate.

Rate History
No change since Sep 14, 2026 · 5.09% APY · checked 4 times
4.59%5.09%5.59%Sep 14, 2026: 5.09% APYSep 14, 2026Oct 2, 2026
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
12 Month StartUP Share Certificate
$0
5.00% ▲ 2.06% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.94%▲ 2.06% above avg
Details

Maximum Balance: $1,000

Rate History
No change since Sep 18, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APYSep 18, 2026Oct 2, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10451 Mill Run Cir Ste 300, Owings Mills, MD 21117
1 Year Certificate
$0
5.00% ▲ 2.06% above avg
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.94%▲ 2.06% above avg
Details

Share Certificate Special; (must have Power Checking)

Rate History
No change since Sep 30, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Sep 30, 2026: 5.00% APYSep 30, 2026Oct 2, 2026
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
1340 Arrowhead Dr, Maumee, OH 43537
12 Month Youth CD
$100
5.00% ▲ 2.06% above avg
View
▼
Rate4.91%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.94%▲ 2.06% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 5 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 2, 2026
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2821 Hewitt Ave, Everett, WA 98201
12 Month Certificate of Deposit
$500
4.83% ▲ 1.89% above avg
View
▼
Rate4.75%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.94%▲ 1.89% above avg
Details

No additional details available.

Rate History
1 change since Sep 30, 2026 · 3.03% → 4.83% ▲ 1.80 pts · high 4.83% / low 3.03%
1.23%3.93%6.63%Sep 30, 2026: 3.03% APYOct 1, 2026: 4.83% APYSep 30, 2026Oct 2, 2026
  • Oct 1, 20264.83%▲ from 3.03%
  • Sep 30, 20263.03%first recorded
United Midwest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
101 N Main St, West Manchester, OH 45382
12-Month CD
$500
4.75% ▲ 1.81% above avg
View
▼
Rate4.64%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.94%▲ 1.81% above avg
Details

Rates as of 10/1/26. Minimum opening balance $500; minimum balance to earn the APY $500. Also available as IRAs. Penalty for early withdrawal.

Rate History
No change since Sep 27, 2026 · 4.75% APY · checked 2 times
4.25%4.75%5.25%Sep 27, 2026: 4.75% APYSep 27, 2026Oct 2, 2026
Stanford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
1860 Embarcadero Rd, Palo Alto, CA 94303 3335
12-Month Certificate
$100
4.70% ▲ 1.76% above avg
View
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.94%▲ 1.76% above avg
Details

Includes a .50 bonus for active and engaged members through our Loyalty+ program.

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.70% ▲ 0.70 pts · high 4.70% / low 4.00%
3.30%4.35%5.40%Sep 14, 2026: 4.00% APYSep 21, 2026: 4.70% APYSep 14, 2026Oct 2, 2026
  • Sep 21, 20264.70%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
12 Month Certificate
$0
4.63% ▲ 1.69% above avg
View
▼
Rate4.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.94%▲ 1.69% above avg
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.63% ▲ 1.08 pts · high 4.63% / low 3.55%
2.47%4.09%5.71%Sep 14, 2026: 3.55% APYSep 24, 2026: 4.63% APYSep 14, 2026Oct 2, 2026
  • Sep 24, 20264.63%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
12 MONTH CD
$0
4.60% ▲ 1.66% above avg
View
▼
Rate4.60%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.94%▲ 1.66% above avg
Details

Balance: $500,000.00 and over

Rate History
3 changes since Sep 8, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
3.70%4.40%5.10%Sep 8, 2026: 4.20% APYSep 18, 2026: 4.40% APYSep 24, 2026: 4.50% APYOct 2, 2026: 4.60% APYSep 8, 2026Oct 2, 2026
  • Oct 2, 20264.60%▲ from 4.50%
  • Sep 24, 20264.50%▲ from 4.40%
  • Sep 18, 20264.40%▲ from 4.20%
  • Sep 8, 20264.20%first recorded
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
201 S Main St Fl 5, Salt Lake City, UT 84111
12 Month Certificate of Deposit
$0
4.60% ▲ 1.66% above avg
View
▼
Rate4.60%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.94%▲ 1.66% above avg
Details

No additional details available.

Rate History
No change since Sep 30, 2026 · 4.60% APY · checked 2 times
4.10%4.60%5.10%Sep 30, 2026: 4.60% APYSep 30, 2026Oct 2, 2026
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
6900 Clayton Ave, St Louis, MO 63139
12 Month Special Certificates of Deposit
$10,000
4.60% ▲ 1.66% above avg
View
▼
Rate4.52%
Min Deposit$10,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.94%▲ 1.66% above avg
Details

No additional details available.

Rate History
1 change since Sep 19, 2026 · 4.00% → 4.60% ▲ 0.60 pts · high 4.60% / low 4.00%
3.40%4.30%5.20%Sep 19, 2026: 4.00% APYOct 2, 2026: 4.60% APYSep 19, 2026Oct 2, 2026
  • Oct 2, 20264.60%▲ from 4.00%
  • Sep 19, 20264.00%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
12 Month Certificate
$100,000
4.59% ▲ 1.65% above avg
View
▼
Rate4.50%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.94%▲ 1.65% above avg
Details

No additional details available.

Rate History
1 change since Sep 25, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
3.83%4.46%5.09%Sep 25, 2026: 4.33% APYSep 29, 2026: 4.59% APYSep 25, 2026Oct 2, 2026
  • Sep 29, 20264.59%▲ from 4.33%
  • Sep 25, 20264.33%first recorded
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
4770 Buford Hwy, Chamblee, GA 30341
12 Month Certificate
$0
4.59% ▲ 1.65% above avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.94%▲ 1.65% above avg
Details

Tenure: 20+ Yrs; Active Checking: Yes

Rate History
No change since Sep 25, 2026 · 4.59% APY
4.09%4.59%5.09%Sep 25, 2026: 4.59% APYSep 25, 2026Oct 2, 2026
POCU of Maryland
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
900 E Fayette St Rm 606, Baltimore, MD 21233 1050
12-Month CD
$500
4.59% ▲ 1.65% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.94%▲ 1.65% above avg
Details

Limited time only

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.59% ▲ 0.52 pts · high 4.59% / low 4.07%
3.55%4.33%5.11%Sep 14, 2026: 4.07% APYOct 1, 2026: 4.59% APYSep 14, 2026Oct 2, 2026
  • Oct 1, 20264.59%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1313 Main St, Vancouver, WA 98660 2918
12 Month First CD
$10,000
4.58% ▲ 1.64% above avg
View
▼
Rate4.50%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.94%▲ 1.64% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.50% → 4.58% ▲ 0.08 pts · high 4.58% / low 4.50%
4.00%4.54%5.08%Sep 14, 2026: 4.50% APYSep 26, 2026: 4.58% APYSep 14, 2026Oct 2, 2026
  • Sep 26, 20264.58%▲ from 4.50%
  • Sep 14, 20264.50%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
1 Year Certificate
$500
4.55% ▲ 1.61% above avg
View
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.94%▲ 1.61% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.55% APY · checked 5 times
4.05%4.55%5.05%Sep 14, 2026: 4.55% APYSep 14, 2026Oct 2, 2026
Topeka Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
2447 SE 29th St, Topeka, KS 66605 2240
1 Year Share Certificates
$0
4.55% ▲ 1.61% above avg
View
▼
Rate4.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.94%▲ 1.61% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.55% APY · checked 4 times
4.05%4.55%5.05%Sep 14, 2026: 4.55% APYSep 14, 2026Oct 2, 2026
Northern Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.93%
275 Mishawum Rd, Woburn, MA 01801
Premium 12 months
$500
4.50% ▲ 1.56% above avg
View
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.94%▲ 1.56% above avg
Details

Must Open In-Branch

Rate History
1 change since Sep 9, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 9, 2026: 4.30% APYSep 24, 2026: 4.50% APYSep 9, 2026Oct 2, 2026
  • Sep 24, 20264.50%▲ from 4.30%
  • Sep 9, 20264.30%first recorded
USAlliance Financial National
12 Month Certificate
$0
4.50% ▲ 1.56% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.94%▲ 1.56% above avg
Details

No additional details available.

Rate History
No change since Oct 1, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 1, 2026: 4.50% APYOct 1, 2026Oct 2, 2026
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
150 East 45th Street, New York, NY 10017
12 Month Certificate
$0
4.50% ▲ 1.56% above avg
View
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.94%▲ 1.56% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
Credit One Bank, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
6801 S Cimarron Rd, Las Vegas, NV 89113
12 Month High Yield Jumbo CD
$0
4.50% ▲ 1.56% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.94%▲ 1.56% above avg
Details

Loyalty Rates: 0.05%

Rate History
1 change since Sep 27, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 27, 2026: 4.35% APYOct 2, 2026: 4.50% APYSep 27, 2026Oct 2, 2026
  • Oct 2, 20264.50%▲ from 4.35%
  • Sep 27, 20264.35%first recorded
USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
411 Theodore Fremd Ave, Rye, NY 10580
12 Month Certificate
$0
4.50% ▲ 1.56% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.94%▲ 1.56% above avg
Details

Special Rate

Rate History
1 change since Sep 14, 2026 · 4.36% → 4.50% ▲ 0.14 pts · high 4.50% / low 4.36%
3.86%4.43%5.00%Sep 14, 2026: 4.36% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
  • Oct 1, 20264.50%▲ from 4.36%
  • Sep 14, 20264.36%first recorded
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3401 E Calumet St, Appleton, WI 54915 4757
12 Month Certificate
$0
4.50% ▲ 1.56% above avg
View
▼
Rate4.43%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.94%▲ 1.56% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1407 W North Temple Ste 120C, Salt Lake City, UT 84116
12 Month Certificate
$500
4.50% ▲ 1.56% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.94%▲ 1.56% above avg
Details

Rates are as of September 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal.

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
12 Month Certificate
$500
4.50% ▲ 1.56% above avg
View
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.94%▲ 1.56% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
  • Sep 29, 20264.50%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
12 Month Share Certificates - 1
$0
4.50% ▲ 1.56% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.94%▲ 1.56% above avg
Details

No additional details available.

Rate History
No change since Sep 30, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Sep 30, 2026: 4.50% APYSep 30, 2026Oct 2, 2026
Lincoln County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
714 W 6th St, Libby, MT 59923
12 Month Share Certificates
$0
4.50% ▲ 1.56% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.94%▲ 1.56% above avg
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 2, 2026
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA 1 year
$0
4.50% ▲ 1.56% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.94%▲ 1.56% above avg
Details

Savings products interest rates are subject to terms and conditions and may change at any time and without prior notice.

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
225 La Crosse St, La Crosse, WI 54601 3253
12 Month CD SPECIAL
$1,000
4.50% ▲ 1.56% above avg
View
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.94%▲ 1.56% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 3.60% → 4.50% ▲ 0.90 pts · high 4.50% / low 3.60%
2.70%4.05%5.40%Sep 18, 2026: 3.60% APYOct 1, 2026: 4.50% APYSep 18, 2026Oct 2, 2026
  • Oct 1, 20264.50%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
8815 Lima Rd, Fort Wayne, IN 46818 1856
Traditional 12-Month IRA Certificate
$500
4.50% ▲ 1.56% above avg
View
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.94%▲ 1.56% above avg
Details

Non-premier member APY: 4.25% | Dividend Rate: 4.17%; Traditional & Roth Certificates Rates

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
IRA CD - 12 Months
$0
4.50% ▲ 1.56% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.94%▲ 1.56% above avg
Details

Minimum balance $100,000

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
1 Year Share Certificates
$0
4.50% ▲ 1.56% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.94%▲ 1.56% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
533 N Alamo Rd, Alamo, TX 78516
12-Month IRA CD Account
$1,000
4.50% ▲ 1.56% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.94%▲ 1.56% above avg
Details

To receive promotional rate, opening deposit cannot originate from pre-existing Freedom Bank account funds. Rate applicable to a maximum of $250,000.00 FDIC coverage per customer relationship. Rates may change after account opening. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Other terms and conditions may apply.

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.50% ▲ 0.68 pts · high 4.50% / low 3.82%
3.14%4.16%5.18%Sep 14, 2026: 3.82% APYSep 24, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
  • Sep 24, 20264.50%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
12 Month Share Certificate
$0
4.47% ▲ 1.53% above avg
View
▼
Rate4.38%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.94%▲ 1.53% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.06% → 4.47% ▲ 0.41 pts · high 4.47% / low 4.06%
3.56%4.26%4.97%Sep 14, 2026: 4.06% APYSep 25, 2026: 4.47% APYSep 14, 2026Oct 2, 2026
  • Sep 25, 20264.47%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
Certificates of Deposit (CDs) - 12 Months
$2,000
4.45% ▲ 1.51% above avg
View
▼
Rate4.35%
Min Deposit$2,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.94%▲ 1.51% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.45% ▲ 0.10 pts · high 4.45% / low 4.35%
3.85%4.40%4.95%Sep 18, 2026: 4.35% APYSep 27, 2026: 4.45% APYSep 18, 2026Oct 2, 2026
  • Sep 27, 20264.45%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
12-month online CD
$25,000
4.45% ▲ 1.51% above avg
View
▼
Rate4.35%
Min Deposit$25,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.94%▲ 1.51% above avg
Details

Online-only high-yield rates.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
3.50%4.23%4.95%Sep 18, 2026: 4.00% APYOct 2, 2026: 4.45% APYSep 18, 2026Oct 2, 2026
  • Oct 2, 20264.45%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
7500 Old Georgetown Rd, Bethesda, MD 20814
12 Month CD
$1,000
4.45% ▲ 1.51% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.94%▲ 1.51% above avg
Details

The Annual Percentage Yield (APY) is accurate as of 09/24/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.

Rate History
No change since Sep 18, 2026 · 4.45% APY · checked 4 times
3.95%4.45%4.95%Sep 18, 2026: 4.45% APYSep 18, 2026Oct 2, 2026
The Community State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
405 Us Highway 271, Wister, OK 74966
12 Month CD
$0
4.42% ▲ 1.48% above avg
View
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.94%▲ 1.48% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.16% → 4.42% ▲ 0.26 pts · high 4.42% / low 4.16%
3.66%4.29%4.92%Sep 14, 2026: 4.16% APYSep 24, 2026: 4.42% APYSep 14, 2026Oct 2, 2026
  • Sep 24, 20264.42%▲ from 4.16%
  • Sep 14, 20264.16%first recorded
Fellowship Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
803 E Olive St, Lamar, CO 81052
12 Month Certificate of Deposit
$500
4.41% ▲ 1.47% above avg
View
▼
Rate4.32%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.94%▲ 1.47% above avg
Details

Certificate accounts have a 1% penalty for early withdrawal and have 10 days after the CD renews before a penalty.

Rate History
No change since Sep 14, 2026 · 4.41% APY · checked 4 times
3.91%4.41%4.91%Sep 14, 2026: 4.41% APYSep 14, 2026Oct 2, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
12 Month CD
$0
4.40% ▲ 1.46% above avg
View
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.94%▲ 1.46% above avg
Details

No additional details available.

Rate History
1 change since Sep 24, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Sep 24, 2026: 4.25% APYOct 1, 2026: 4.40% APYSep 24, 2026Oct 2, 2026
  • Oct 1, 20264.40%▲ from 4.25%
  • Sep 24, 20264.25%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
12 Month High-Yield CD
$500
4.40% ▲ 1.46% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.94%▲ 1.46% above avg
Details

No additional details available.

Rate History
1 change since Sep 22, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
3.40%4.15%4.90%Sep 22, 2026: 3.90% APYOct 1, 2026: 4.40% APYSep 22, 2026Oct 2, 2026
  • Oct 1, 20264.40%▲ from 3.90%
  • Sep 22, 20263.90%first recorded
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
2400 N Grandview Blvd, Waukesha, WI 53188
12 Month Certificate
$0
4.40% ▲ 1.46% above avg
View
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.94%▲ 1.46% above avg
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 18, 2026: 4.40% APYSep 18, 2026Oct 2, 2026
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
1 Year FDIC-Insured Certificate of Deposit
$0
4.37% ▲ 1.43% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.94%▲ 1.43% above avg
Details

No additional details available.

Rate History
1 change since Sep 24, 2026 · 4.35% → 4.37% ▲ 0.02 pts · high 4.37% / low 4.35%
3.85%4.36%4.87%Sep 24, 2026: 4.35% APYSep 27, 2026: 4.37% APYSep 24, 2026Oct 2, 2026
  • Sep 27, 20264.37%▲ from 4.35%
  • Sep 24, 20264.35%first recorded
WebBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
215 S State St, Salt Lake City, UT 84111
1 Year CD
$0
4.36% ▲ 1.42% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.94%▲ 1.42% above avg
Details

No additional details available.

Rate History
1 change since Sep 7, 2026 · 4.01% → 4.36% ▲ 0.35 pts · high 4.36% / low 4.01%
3.51%4.19%4.86%Sep 7, 2026: 4.01% APYSep 27, 2026: 4.36% APYSep 7, 2026Oct 2, 2026
  • Sep 27, 20264.36%▲ from 4.01%
  • Sep 7, 20264.01%first recorded
SouthEast Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.13%
285 Front St, Spring City, TN 37381
12-Month CD Special
$1,000
4.35% ▲ 1.41% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.94%▲ 1.41% above avg
Details

Interest Compounded & Credited: Quarterly

Rate History
1 change since Sep 14, 2026 · 4.01% → 4.35% ▲ 0.34 pts · high 4.35% / low 4.01%
3.51%4.18%4.85%Sep 14, 2026: 4.01% APYSep 24, 2026: 4.35% APYSep 14, 2026Oct 2, 2026
  • Sep 24, 20264.35%▲ from 4.01%
  • Sep 14, 20264.01%first recorded
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
1001 Post Rd, Darien, CT 06820
12 Month Certificate
$500
4.35% ▲ 1.41% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.94%▲ 1.41% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.35% ▲ 0.05 pts · high 4.35% / low 4.30%
3.80%4.32%4.85%Sep 14, 2026: 4.30% APYSep 24, 2026: 4.35% APYSep 14, 2026Oct 2, 2026
  • Sep 24, 20264.35%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
7007 Broadway Ave, Cleveland, OH 44105
12 Month Online CD
$500
4.35% ▲ 1.41% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.94%▲ 1.41% above avg
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Oct 2, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
66 Hudson Blvd E, New York, NY 10001
12 Month CD
$1,000
4.35% ▲ 1.41% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.94%▲ 1.41% above avg
Details

No additional details available.

Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Sep 24, 2026: 4.35% APYSep 24, 2026Oct 2, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Delaware Ave Ste 1401, Wilmington, DE 19801
12 Month CD
$1,000
4.35% ▲ 1.41% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.94%▲ 1.41% above avg
Details

New Money CDs.

Rate History
No change since Sep 28, 2026 · 4.35% APY
3.85%4.35%4.85%Sep 28, 2026: 4.35% APYSep 28, 2026Oct 2, 2026

18 Month CD Rates

MonitorBankRates National Average · 18 Month CD2.82% APY▲ 0.01% from last week
View 18-month CD rate trend

The national average 18-month CD rate is 2.82% APY as of October 2, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
2725 35th Ave N, Birmingham, AL 35207 2839
18 Month Share Certificates
$0
5.00% ▲ 2.18% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.82%▲ 2.18% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 2, 2026
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
900 E 8th St, Washington, MO 63090
18 Month YOUTH Fair CD Special
$0
5.00% ▲ 2.18% above avg
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.82%▲ 2.18% above avg
Details

See Fair Special options; Preferred Rate with any checking account

Rate History
1 change since Sep 11, 2026 · 4.90% → 5.00% ▲ 0.10 pts · high 5.00% / low 4.90%
4.40%4.95%5.50%Sep 11, 2026: 4.90% APYSep 24, 2026: 5.00% APYSep 11, 2026Oct 2, 2026
  • Sep 24, 20265.00%▲ from 4.90%
  • Sep 11, 20264.90%first recorded
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
18 mo Variable Rate IRA 18 mo Certificate of Deposit
$500
4.84% ▲ 2.02% above avg
View
▼
Rate4.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.82%▲ 2.02% above avg
Details

Interest Will Be Credited: Quarterly; Opening Balance: <p class="sr-only">no</p>

Rate History
No change since Sep 14, 2026 · 4.84% APY · checked 3 times
4.34%4.84%5.34%Sep 14, 2026: 4.84% APYSep 14, 2026Oct 2, 2026
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
201 S Main St Fl 5, Salt Lake City, UT 84111
18 Month Certificate of Deposit
$0
4.80% ▲ 1.98% above avg
View
▼
Rate4.80%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.82%▲ 1.98% above avg
Details

No additional details available.

Rate History
No change since Sep 30, 2026 · 4.80% APY · checked 2 times
4.30%4.80%5.30%Sep 30, 2026: 4.80% APYSep 30, 2026Oct 2, 2026
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
Certificates of Deposit (CDs) - 18 Months
$2,000
4.65% ▲ 1.83% above avg
View
▼
Rate4.55%
Min Deposit$2,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.82%▲ 1.83% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.55% → 4.65% ▲ 0.10 pts · high 4.65% / low 4.55%
4.05%4.60%5.15%Sep 18, 2026: 4.55% APYSep 27, 2026: 4.65% APYSep 18, 2026Oct 2, 2026
  • Sep 27, 20264.65%▲ from 4.55%
  • Sep 18, 20264.55%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
18 Month Jumbo Certificates
$0
4.60% ▲ 1.78% above avg
View
▼
Rate4.52%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.82%▲ 1.78% above avg
Details

No additional details available.

Rate History
No change since Sep 21, 2026 · 4.60% APY · checked 3 times
4.10%4.60%5.10%Sep 21, 2026: 4.60% APYSep 21, 2026Oct 2, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
IRA CD - 18 Months
$0
4.60% ▲ 1.78% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.82%▲ 1.78% above avg
Details

Minimum balance $100,000

Rate History
No change since Sep 14, 2026 · 4.60% APY · checked 5 times
4.10%4.60%5.10%Sep 14, 2026: 4.60% APYSep 14, 2026Oct 2, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
18 Month CD
$0
4.55% ▲ 1.73% above avg
View
▼
Rate4.45%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.82%▲ 1.73% above avg
Details

No additional details available.

Rate History
1 change since Sep 24, 2026 · 4.35% → 4.55% ▲ 0.20 pts · high 4.55% / low 4.35%
3.85%4.45%5.05%Sep 24, 2026: 4.35% APYOct 1, 2026: 4.55% APYSep 24, 2026Oct 2, 2026
  • Oct 1, 20264.55%▲ from 4.35%
  • Sep 24, 20264.35%first recorded
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
18 Month FDIC-Insured Certificate of Deposit
$0
4.55% ▲ 1.73% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.82%▲ 1.73% above avg
Details

No additional details available.

Rate History
1 change since Sep 24, 2026 · 4.50% → 4.55% ▲ 0.05 pts · high 4.55% / low 4.50%
4.00%4.53%5.05%Sep 24, 2026: 4.50% APYSep 27, 2026: 4.55% APYSep 24, 2026Oct 2, 2026
  • Sep 27, 20264.55%▲ from 4.50%
  • Sep 24, 20264.50%first recorded
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
18 Month IRA Share Certificate
$500
4.54% ▲ 1.72% above avg
View
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.82%▲ 1.72% above avg
Details

New Money= Funds not currently on deposit with RGCU.

Rate History
1 change since Sep 22, 2026 · 4.02% → 4.54% ▲ 0.52 pts · high 4.54% / low 4.02%
3.50%4.28%5.06%Sep 22, 2026: 4.02% APYSep 29, 2026: 4.54% APYSep 22, 2026Oct 2, 2026
  • Sep 29, 20264.54%▲ from 4.02%
  • Sep 22, 20264.02%first recorded
Armstrong County Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
935 5th Ave, Ford City, PA 16226
18 Month IRA SEP Certificate
$0
4.50% ▲ 1.68% above avg
View
▼
Rate4.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.82%▲ 1.68% above avg
Details

IRA opened BEFORE November 1st, 2002.

Rate History
No change since Sep 19, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Sep 19, 2026: 4.50% APYSep 19, 2026Oct 2, 2026
Credit One Bank, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
6801 S Cimarron Rd, Las Vegas, NV 89113
18 Month High Yield Jumbo CD
$100,000
4.50% ▲ 1.68% above avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.82%▲ 1.68% above avg
Details

10-Day Rate Guarantee. Earn Loyalty Rates when you renew your CD.

Rate History
1 change since Sep 18, 2026 · 4.45% → 4.50% ▲ 0.05 pts · high 4.50% / low 4.45%
3.95%4.48%5.00%Sep 18, 2026: 4.45% APYOct 2, 2026: 4.50% APYSep 18, 2026Oct 2, 2026
  • Oct 2, 20264.50%▲ from 4.45%
  • Sep 18, 20264.45%first recorded
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
227 N Lafayette St, Corder, MO 64021
18 MONTHS IRA
$500
4.50% ▲ 1.68% above avg
View
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.82%▲ 1.68% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
18 Month CD
$100
4.50% ▲ 1.68% above avg
View
▼
Rate4.40%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.82%▲ 1.68% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%
3.20%4.18%5.15%Sep 14, 2026: 3.85% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
  • Oct 1, 20264.50%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
18 Month Certificate
$500
4.50% ▲ 1.68% above avg
View
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.82%▲ 1.68% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
3.60%4.30%5.00%Sep 14, 2026: 4.10% APYSep 29, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
  • Sep 29, 20264.50%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
639 S Delaware St, Indianapolis, IN 46225
18 Month Term IRA
$0
4.50% ▲ 1.68% above avg
View
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.82%▲ 1.68% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.24% → 4.50% ▲ 0.26 pts · high 4.50% / low 4.24%
3.74%4.37%5.00%Sep 14, 2026: 4.24% APYSep 21, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
  • Sep 21, 20264.50%▲ from 4.24%
  • Sep 14, 20264.24%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1440 Rosecrans Ave, Manhattan Beach, CA 90266
18 Month Jumbo Certificate
$0
4.50% ▲ 1.68% above avg
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.82%▲ 1.68% above avg
Details

Balance: $100,000 and above

Rate History
No change since Sep 25, 2026 · 4.50% APY
4.00%4.50%5.00%Sep 25, 2026: 4.50% APYSep 25, 2026Oct 2, 2026
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
11001 Hermitage Rd, LIttle Rock, AR 72211
Jumbo Share and IRA Certificate - Fixed (18 months)
$100,000
4.50% ▲ 1.68% above avg
View
▼
Rate4.43%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.82%▲ 1.68% above avg
Details

No additional details available.

Rate History
No change since Sep 29, 2026 · 4.50% APY
4.00%4.50%5.00%Sep 29, 2026: 4.50% APYSep 29, 2026Oct 2, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
18 Month Jumbo Certificate
$0
4.50% ▲ 1.68% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.82%▲ 1.68% above avg
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 2, 2026
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
300 S Plumosa St, Merritt Island, FL 32952
18 Month Business Share Certificate
$0
4.50% ▲ 1.68% above avg
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.82%▲ 1.68% above avg
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 2, 2026
North Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.82%
109 Central Ave N, Maddock, ND 58348
Youth 18 Month
$100
4.50% ▲ 1.68% above avg
View
▼
Rate4.45%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.82%▲ 1.68% above avg
Details

Must be under 18 to open. 18M allows add-ons & withdrawals (Min +/- $100 ) & a 1-time rate bump (must provide report card). MAXIMUM DEPOSIT OF $10,000.00, LIMIT ONE PER MEMBER

Rate History
No change since Sep 22, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Sep 22, 2026: 4.50% APYSep 22, 2026Oct 2, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3730 N Stone Ave, tucson, AZ 85705 3204
18 Month Term Share Certificate
$0
4.50% ▲ 1.68% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.82%▲ 1.68% above avg
Details

Checking Relationship APY

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 2, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
18 Month Certificate
$500
4.49% ▲ 1.67% above avg
View
▼
Rate4.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.82%▲ 1.67% above avg
Details

No additional details available.

Rate History
1 change since Sep 21, 2026 · 4.02% → 4.49% ▲ 0.47 pts · high 4.49% / low 4.02%
3.52%4.26%4.99%Sep 21, 2026: 4.02% APYSep 29, 2026: 4.49% APYSep 21, 2026Oct 2, 2026
  • Sep 29, 20264.49%▲ from 4.02%
  • Sep 21, 20264.02%first recorded
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2485 Village View Dr, Henderson, NV 89074
18 Month Certificates of Deposit
$0
4.47% ▲ 1.65% above avg
View
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.82%▲ 1.65% above avg
Details

No additional details available.

Rate History
No change since Sep 24, 2026 · 4.47% APY · checked 2 times
3.97%4.47%4.97%Sep 24, 2026: 4.47% APYSep 24, 2026Oct 2, 2026
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
6900 Clayton Ave, St Louis, MO 63139
18 Month Certificates of Deposit
$1,000
4.46% ▲ 1.64% above avg
View
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.82%▲ 1.64% above avg
Details

No additional details available.

Rate History
1 change since Sep 19, 2026 · 1.50% → 4.46% ▲ 2.96 pts · high 4.46% / low 1.50%
0.00%3.71%7.42%Sep 19, 2026: 1.50% APYOct 2, 2026: 4.46% APYSep 19, 2026Oct 2, 2026
  • Oct 2, 20264.46%▲ from 1.50%
  • Sep 19, 20261.50%first recorded
Iowa Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
116 Main St, Williams, IA 50271
18 Month Certificate Special
$0
4.45% ▲ 1.63% above avg
View
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.82%▲ 1.63% above avg
Details

No additional details available.

Rate History
No change since Sep 27, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Sep 27, 2026: 4.45% APYSep 27, 2026Oct 2, 2026
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
15201 Diamondback Dr, Rockville, MD 20850 3312
18 Month Certificate of Deposit (CD)
$1,000
4.41% ▲ 1.59% above avg
View
▼
Rate4.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.82%▲ 1.59% above avg
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 4.41% → 4.41% ▼ 0.00 pts · high 4.41% / low 4.35%
3.85%4.38%4.91%Sep 14, 2026: 4.41% APYSep 18, 2026: 4.35% APYSep 29, 2026: 4.41% APYSep 14, 2026Oct 2, 2026
  • Sep 29, 20264.41%▲ from 4.35%
  • Sep 18, 20264.35%▼ from 4.41%
  • Sep 14, 20264.41%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
18 mo CD
$500
4.40% ▲ 1.58% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.82%▲ 1.58% above avg
Details

10-Day CD Rate Guarantee

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 2, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
1001 Post Rd, Darien, CT 06820
18 Month Certificate
$500
4.40% ▲ 1.58% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.82%▲ 1.58% above avg
Details

No additional details available.

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 2, 2026
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2431 E 61st St, Tulsa, OK 74136
18 Month CD
$0
4.40% ▲ 1.58% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.82%▲ 1.58% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 18, 2026: 4.30% APYSep 24, 2026: 4.40% APYSep 18, 2026Oct 2, 2026
  • Sep 24, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
18 Month Certificate
$100,000
4.40% ▲ 1.58% above avg
View
▼
Rate4.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.82%▲ 1.58% above avg
Details

Balance: $100,000 and above

Rate History
No change since Sep 27, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Sep 27, 2026: 4.40% APYSep 27, 2026Oct 2, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
10000 College Blvd, Overland Park, KS 66210
18 Month Certificate of Deposit
$500
4.40% ▲ 1.58% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.82%▲ 1.58% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 3.10% → 4.40% ▲ 1.30 pts · high 4.40% / low 3.10%
1.80%3.75%5.70%Sep 18, 2026: 3.10% APYOct 2, 2026: 4.40% APYSep 18, 2026Oct 2, 2026
  • Oct 2, 20264.40%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
18 Month Certificates of deposit (CDs)
$2,500
4.40% ▲ 1.58% above avg
View
▼
Rate4.31%
Min Deposit$2,500
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.82%▲ 1.58% above avg
Details

Balance: $2,500

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 18, 2026: 4.30% APYSep 27, 2026: 4.40% APYSep 18, 2026Oct 2, 2026
  • Sep 27, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
64 Old Highway 22, Clinton, NJ 08809
18 Month CD
$1,000
4.40% ▲ 1.58% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.82%▲ 1.58% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
3.50%4.20%4.90%Sep 18, 2026: 4.00% APYOct 2, 2026: 4.40% APYSep 18, 2026Oct 2, 2026
  • Oct 2, 20264.40%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
18 Month Certificates of Deposit
$0
4.40% ▲ 1.58% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.82%▲ 1.58% above avg
Details

No additional details available.

Rate History
No change since Sep 20, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Sep 20, 2026: 4.40% APYSep 20, 2026Oct 2, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
2400 N Grandview Blvd, Waukesha, WI 53188
18 Month Certificate
$0
4.40% ▲ 1.58% above avg
View
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.82%▲ 1.58% above avg
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 18, 2026: 4.40% APYSep 18, 2026Oct 2, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3950 38th Ave, Moline, IL 61265 6471
18 Month Certificate
$500
4.40% ▲ 1.58% above avg
View
▼
Rate4.31%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.82%▲ 1.58% above avg
Details

APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYSep 27, 2026: 4.40% APYSep 14, 2026Oct 2, 2026
  • Sep 27, 20264.40%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
360 Sherman St, Saint Paul, MN 55102
18 Month CD Special
$0
4.40% ▲ 1.58% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.82%▲ 1.58% above avg
Details

Special

Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APYSep 14, 2026Oct 2, 2026
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
310 Caldwell St, Chillicothe, OH 45601
18 Month Print Share and IRA Jumbo Certificates
$0
4.38% ▲ 1.56% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.82%▲ 1.56% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.38% ▲ 0.43 pts · high 4.38% / low 3.95%
3.45%4.17%4.88%Sep 14, 2026: 3.95% APYSep 22, 2026: 4.38% APYSep 14, 2026Oct 2, 2026
  • Sep 22, 20264.38%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
423 433 Reuter Boulevard, Towanda, PA 18848
18 Month Certificates of Deposit
$0
4.37% ▲ 1.55% above avg
View
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.82%▲ 1.55% above avg
Details

Balance: $100,000.00 and over

Rate History
2 changes since Sep 8, 2026 · 4.06% → 4.37% ▲ 0.31 pts · high 4.37% / low 4.06%
3.56%4.22%4.87%Sep 8, 2026: 4.06% APYSep 18, 2026: 4.22% APYOct 2, 2026: 4.37% APYSep 8, 2026Oct 2, 2026
  • Oct 2, 20264.37%▲ from 4.22%
  • Sep 18, 20264.22%▲ from 4.06%
  • Sep 8, 20264.06%first recorded
Lincoln Bank of Hodgenville
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
41 Lincoln Sq, Hodgenville, KY 42748
18 Month Certificate of Deposit
$500
4.35% ▲ 1.53% above avg
View
▼
Rate4.28%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.82%▲ 1.53% above avg
Details

No additional details available.

Rate History
1 change since Sep 7, 2026 · 4.20% → 4.35% ▲ 0.15 pts · high 4.35% / low 4.20%
3.70%4.28%4.85%Sep 7, 2026: 4.20% APYSep 24, 2026: 4.35% APYSep 7, 2026Oct 2, 2026
  • Sep 24, 20264.35%▲ from 4.20%
  • Sep 7, 20264.20%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
7500 Old Georgetown Rd, Bethesda, MD 20814
18 Month CD
$1,000
4.35% ▲ 1.53% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.82%▲ 1.53% above avg
Details

The Annual Percentage Yield (APY) is accurate as of 09/24/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Oct 2, 2026
Falcon National Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
22 Central Ave S, Richmond, MN 56368
18-Month CD
$500
4.35% ▲ 1.53% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.82%▲ 1.53% above avg
Details

APY=Annual Percentage Yield. A penalty may be applied for early withdrawal. Fees may reduce earnings. Not valid with any other offer. Rates effective as of 09/24/2026. Expires on or before 10/18/2026.

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10%
3.60%4.23%4.85%Sep 14, 2026: 4.10% APYSep 27, 2026: 4.35% APYSep 14, 2026Oct 2, 2026
  • Sep 27, 20264.35%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
126 E LINCOLN AVE, RAHWAY, NJ 07065 4607
18 month Certificate
$0
4.35% ▲ 1.53% above avg
View
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.82%▲ 1.53% above avg
Details

No additional details available.

Rate History
No change since Sep 25, 2026 · 4.35% APY
3.85%4.35%4.85%Sep 25, 2026: 4.35% APYSep 25, 2026Oct 2, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
175 W Lafayette Frontage Rd, Saint Paul, MN 55107 1420
BASIC CERTIFICATES - 18 month
$0
4.35% ▲ 1.53% above avg
View
▼
Rate4.27%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.82%▲ 1.53% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 14, 2026: 4.00% APYSep 25, 2026: 4.35% APYSep 14, 2026Oct 2, 2026
  • Sep 25, 20264.35%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
2301 RICHMOND RD, TEXARKANA, TX 75503
18 Month Share Certificates
$0
4.35% ▲ 1.53% above avg
View
▼
Rate4.27%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.82%▲ 1.53% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 14, 2026: 4.35% APYSep 14, 2026Oct 2, 2026
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
141 Massachusetts Ave, Arlington, MA 02474
18 Month Certificate
$0
4.35% ▲ 1.53% above avg
View
▼
Rate4.27%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.82%▲ 1.53% above avg
Details

Balance: $1,000 - $1,000

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 18, 2026: 4.15% APYSep 24, 2026: 4.35% APYSep 18, 2026Oct 2, 2026
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
3227 Schneider Ave SE, Menomonie, WI 54751
18 Month IRA Certificates
$0
4.34% ▲ 1.52% above avg
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.82%▲ 1.52% above avg
Details

Term: 18 Month Variable Rate IRA; Compounded: Daily; Basic MVP** Level Dividend Rate: 4.25%; Basic MVP** Level APY*: 4.34%; Silver MVP** Level Dividend Rate: 4.25%; Silver MVP** Level APY*: 4.34%; Gold MVP** Level Dividend Rate: 4.25%; Gold MVP** Level APY*: 4.34%

Rate History
No change since Sep 18, 2026 · 4.34% APY · checked 3 times
3.84%4.34%4.84%Sep 18, 2026: 4.34% APYSep 18, 2026Oct 2, 2026
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1506 Congress St, Laurel, MS 39440 4239
18 Month Share Certificate
$0
4.33% ▲ 1.51% above avg
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.82%▲ 1.51% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.18% → 4.33% ▲ 0.15 pts · high 4.33% / low 4.18%
3.68%4.26%4.83%Sep 18, 2026: 4.18% APYSep 25, 2026: 4.33% APYSep 18, 2026Oct 2, 2026
  • Sep 25, 20264.33%▲ from 4.18%
  • Sep 18, 20264.18%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
18 Months Jumbo IRA
$100,000
4.33% ▲ 1.51% above avg
View
▼
Rate4.25%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.82%▲ 1.51% above avg
Details

Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.33% ▲ 0.08 pts · high 4.33% / low 4.25%
3.75%4.29%4.83%Sep 14, 2026: 4.25% APYSep 27, 2026: 4.33% APYSep 14, 2026Oct 2, 2026
  • Sep 27, 20264.33%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
6414 Montgomery St, Rhinebeck, NY 12572
18-Month CD
$2,000
4.30% ▲ 1.48% above avg
View
▼
Rate4.22%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.82%▲ 1.48% above avg
Details

Promo

Rate History
No change since Sep 27, 2026 · 4.30% APY
3.80%4.30%4.80%Sep 27, 2026: 4.30% APYSep 27, 2026Oct 2, 2026
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
123 W 4th St, Cedar Falls, IA 50613 2831
18 Month JUMBO Certificates
$100,000
4.30% ▲ 1.48% above avg
View
▼
Rate4.23%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.82%▲ 1.48% above avg
Details

Limited Time Special

Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Oct 2, 2026
Capra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
955 Washington St, Dubuque, IA 52001
18-Month Bump-Up CD
$10,000
4.25% ▲ 1.43% above avg
View
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.82%▲ 1.43% above avg
Details

Bump-Up CD; Available for a limited time only!; Valid for new customers to Capra Bank; Must have or open an active Elevate or Summit checking account to obtain CD Special Offer. Restrictions apply.; Available in Dubuque, Lubbock, Albuquerque, and Boise.

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 2, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
Relationship CD - 18 Month
$0
4.25% ▲ 1.43% above avg
View
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.82%▲ 1.43% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Sep 14, 2026: 4.10% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 2, 2026
  • Sep 24, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Ohio Valley Bank Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
420 3rd Ave, Gallipolis, OH 45631
12 thru 18 Month Certificate of Deposit
$5,000
4.25% ▲ 1.43% above avg
View
▼
Rate4.16%
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.82%▲ 1.43% above avg
Details

All certificates are automatically renewable. $5,000.00 initial deposit required except those age 18 and under may open with $500. The annual percentage yields assumes interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal. A.P.Y. = Annual Percentage Yield. Public funds over $250,000.00 excluded from this offer. Effective Date: 9/28/2026

Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Oct 2, 2026
Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
919 N Center St, Stockton, CA 95202
18 Month New Money Certificate
$0
4.25% ▲ 1.43% above avg
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.82%▲ 1.43% above avg
Details

Balance: $100,000+

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 2, 2026
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
12934 Harbor Blvd, Garden Grove, CA 92840 5809
18-Months Promotional Term Certificate
$1,000
4.25% ▲ 1.43% above avg
View
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.82%▲ 1.43% above avg
Details

The promotional 18-month Certificate offers a dividend rate of 4.169%, with an Annual Percentage Yield (APY) of 4.250%. Dividends are credited as stated in the terms of the Truth-in-Savings Disclosure Account Agreement. Upon maturity, the Certificate will automatically renew into a standard, non-promotional 24-month Certificate at the dividend rate in effect at the time of renewal. Early withdrawal penalties may apply. Membership eligibility and other terms and conditions apply. Rates, conditions, and terms are subject to change without notice. These promotions are a limited time offer. Please contact Eagle Community Credit Union for the most current information.

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Sep 14, 2026: 4.10% APYSep 26, 2026: 4.25% APYSep 14, 2026Oct 2, 2026
  • Sep 26, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Coastal States Bank (CSB)
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5 Bow Cir, Hilton Head Island, SC 29928
18-Month CD
$1,000
4.20% ▲ 1.38% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.82%▲ 1.38% above avg
Details

Valid for new clients or existing clients with a minimum of $25,000 in new money.

Rate History
No change since Sep 27, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Sep 27, 2026: 4.20% APYSep 27, 2026Oct 2, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
4400 Central Way, Chubbuck, ID 83202
18 Month Promo CD
$500
4.20% ▲ 1.38% above avg
View
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.82%▲ 1.38% above avg
Details

*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 2, 2026
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
425 Hooksett Rd, Manchester, NH 03104
18 Month Certificate - Loyalty Pays Premium
$500
4.20% ▲ 1.38% above avg
View
▼
Rate4.12%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.82%▲ 1.38% above avg
Details

Qualifications Required: Active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 2, 2026

24 Month CD Rates

MonitorBankRates National Average · 24 Month CD2.83% APYUnchanged from last week
View 24-month CD rate trend

The national average 24-month CD rate is 2.83% APY as of October 2, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1313 Main St, Vancouver, WA 98660 2918
24 Month Second CD
$10,000
5.09% ▲ 2.26% above avg
View
▼
Rate5.00%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.83%▲ 2.26% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 5.00% → 5.10% ▲ 0.09 pts · high 5.10% / low 5.00%
4.50%5.05%5.60%Sep 14, 2026: 5.00% APYSep 26, 2026: 5.10% APYSep 14, 2026Oct 2, 2026
  • Sep 26, 20265.10%▲ from 5.00%
  • Sep 14, 20265.00%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
24 MONTH CD
$0
5.00% ▲ 2.17% above avg
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.83%▲ 2.17% above avg
Details

Balance: $500,00.00 and over

Rate History
2 changes since Sep 8, 2026 · 4.30% → 5.00% ▲ 0.70 pts · high 5.00% / low 4.30%
3.60%4.65%5.70%Sep 8, 2026: 4.30% APYSep 18, 2026: 4.80% APYOct 2, 2026: 5.00% APYSep 8, 2026Oct 2, 2026
  • Oct 2, 20265.00%▲ from 4.80%
  • Sep 18, 20264.80%▲ from 4.30%
  • Sep 8, 20264.30%first recorded
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
417 High St, Frankfort, KY 40601
24 Month Wealth Development Certificate
$5
5.00% ▲ 2.17% above avg
View
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.83%▲ 2.17% above avg
Details

paid annually

Rate History
No change since Oct 1, 2026 · 5.00% APY
4.50%5.00%5.50%Oct 1, 2026: 5.00% APYOct 1, 2026Oct 2, 2026
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
55 Stevens St, Lockport, NY 14094 4229
2 Year Youth Share Certificate
$0
5.00% ▲ 2.17% above avg
View
▼
Rate4.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.83%▲ 2.17% above avg
Details

Balance Range: $50 - $5,000

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 6 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 2, 2026
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
201 S Main St Fl 5, Salt Lake City, UT 84111
24 Month Certificate of Deposit
$0
4.90% ▲ 2.07% above avg
View
▼
Rate4.90%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.83%▲ 2.07% above avg
Details

No additional details available.

Rate History
No change since Sep 30, 2026 · 4.90% APY · checked 2 times
4.40%4.90%5.40%Sep 30, 2026: 4.90% APYSep 30, 2026Oct 2, 2026
American Baptist Association Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
21103 Chenango Lake Dr, Angleton, TX 77515
24 Month Share Certificates
$0
4.75% ▲ 1.92% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.83%▲ 1.92% above avg
Details

Balance: $100,000 +

Rate History
No change since Sep 22, 2026 · 4.75% APY · checked 3 times
4.25%4.75%5.25%Sep 22, 2026: 4.75% APYSep 22, 2026Oct 2, 2026
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
Certificates of Deposit (CDs) - 24 Months
$2,000
4.70% ▲ 1.87% above avg
View
▼
Rate4.59%
Min Deposit$2,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.83%▲ 1.87% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.65% → 4.70% ▲ 0.05 pts · high 4.70% / low 4.65%
4.15%4.68%5.20%Sep 18, 2026: 4.65% APYSep 27, 2026: 4.70% APYSep 18, 2026Oct 2, 2026
  • Sep 27, 20264.70%▲ from 4.65%
  • Sep 18, 20264.65%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
2 Year Certificate
$500
4.70% ▲ 1.87% above avg
View
▼
Rate4.59%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.83%▲ 1.87% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.70% APY · checked 5 times
4.20%4.70%5.20%Sep 14, 2026: 4.70% APYSep 14, 2026Oct 2, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
24 Month CD
$0
4.65% ▲ 1.82% above avg
View
▼
Rate4.54%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.83%▲ 1.82% above avg
Details

No additional details available.

Rate History
1 change since Sep 24, 2026 · 4.45% → 4.65% ▲ 0.20 pts · high 4.65% / low 4.45%
3.95%4.55%5.15%Sep 24, 2026: 4.45% APYOct 1, 2026: 4.65% APYSep 24, 2026Oct 2, 2026
  • Oct 1, 20264.65%▲ from 4.45%
  • Sep 24, 20264.45%first recorded
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
2 Year FDIC-Insured Certificate of Deposit
$0
4.65% ▲ 1.82% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.83%▲ 1.82% above avg
Details

No additional details available.

Rate History
1 change since Sep 24, 2026 · 4.60% → 4.65% ▲ 0.05 pts · high 4.65% / low 4.60%
4.10%4.63%5.15%Sep 24, 2026: 4.60% APYSep 27, 2026: 4.65% APYSep 24, 2026Oct 2, 2026
  • Sep 27, 20264.65%▲ from 4.60%
  • Sep 24, 20264.60%first recorded
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2485 Village View Dr, Henderson, NV 89074
24 Month Certificates of Deposit
$0
4.63% ▲ 1.80% above avg
View
▼
Rate4.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.83%▲ 1.80% above avg
Details

No additional details available.

Rate History
No change since Sep 24, 2026 · 4.63% APY · checked 2 times
4.13%4.63%5.13%Sep 24, 2026: 4.63% APYSep 24, 2026Oct 2, 2026
NORTHERN SKIES
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
1001 E Benson Blvd, Anchorage, AK 99508
24 Month Share Certificates
$0
4.60% ▲ 1.77% above avg
View
▼
Rate4.52%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.83%▲ 1.77% above avg
Details

Balance: Under $100,000

Rate History
No change since Sep 18, 2026 · 4.60% APY · checked 4 times
4.10%4.60%5.10%Sep 18, 2026: 4.60% APYSep 18, 2026Oct 2, 2026
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
7102 Forest Ave, Ridgewood, NY 11385
2-YEAR TREASURY INDEXED CD
$0
4.59% ▲ 1.76% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.83%▲ 1.76% above avg
Details

TOP THE TREASURY; Open this convenient, risk-free, variable yield account with no cap today!

Rate History
No change since Sep 18, 2026 · 4.59% APY · checked 3 times
4.09%4.59%5.09%Sep 18, 2026: 4.59% APYSep 18, 2026Oct 2, 2026
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
210 N 5th St, Artesia, NM 88210 2000
24 Month IRA Certificate
$0
4.58% ▲ 1.75% above avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.83%▲ 1.75% above avg
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 4.58% APY · checked 3 times
4.08%4.58%5.08%Sep 18, 2026: 4.58% APYSep 18, 2026Oct 2, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
2 Year Certificate of Deposit
$1,000
4.55% ▲ 1.72% above avg
View
▼
Rate4.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.83%▲ 1.72% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
2.95%4.15%5.35%Sep 14, 2026: 3.75% APYSep 28, 2026: 4.55% APYSep 14, 2026Oct 2, 2026
  • Sep 28, 20264.55%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
310 Caldwell St, Chillicothe, OH 45601
24 Month Print Share and IRA Jumbo Certificates
$0
4.54% ▲ 1.71% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.83%▲ 1.71% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.04% → 4.54% ▲ 0.50 pts · high 4.54% / low 4.04%
3.54%4.29%5.04%Sep 14, 2026: 4.04% APYSep 22, 2026: 4.54% APYSep 14, 2026Oct 2, 2026
  • Sep 22, 20264.54%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
15201 Diamondback Dr, Rockville, MD 20850 3312
24 Month Certificate of Deposit (CD)
$1,000
4.52% ▲ 1.69% above avg
View
▼
Rate4.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.83%▲ 1.69% above avg
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 4.52% → 4.52% ▼ 0.00 pts · high 4.52% / low 4.45%
3.95%4.48%5.02%Sep 14, 2026: 4.52% APYSep 18, 2026: 4.45% APYSep 29, 2026: 4.52% APYSep 14, 2026Oct 2, 2026
  • Sep 29, 20264.52%▲ from 4.45%
  • Sep 18, 20264.45%▼ from 4.52%
  • Sep 14, 20264.52%first recorded
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
24-month online CD
$25,000
4.50% ▲ 1.67% above avg
View
▼
Rate4.40%
Min Deposit$25,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.83%▲ 1.67% above avg
Details

Online-only high-yield rates.

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
3.00%4.13%5.25%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.50% APYSep 18, 2026Oct 2, 2026
  • Oct 2, 20264.50%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
24 Month CD
$0
4.50% ▲ 1.67% above avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.83%▲ 1.67% above avg
Details

Balance: $1,000+

Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Sep 24, 2026: 4.50% APYSep 24, 2026Oct 2, 2026
The Bank of New Glarus
Institution Rating:
A-5.0 ★Texas Ratio: 15.01%
5800 Phillips Street, Gratiot, WI 53541
24 Month CD/IRA
$2,000
4.50% ▲ 1.67% above avg
View
▼
Rate4.43%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.83%▲ 1.67% above avg
Details

No additional details available.

Rate History
No change since Sep 19, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Sep 19, 2026: 4.50% APYSep 19, 2026Oct 2, 2026
Lake Huron Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
24 Month Certificate
$0
4.50% ▲ 1.67% above avg
View
▼
Rate4.43%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.83%▲ 1.67% above avg
Details

Certificate rates remain fixed for the term of the certificate. Unless otherwise requested, dividends will be credited to your certificate either quarterly or at maturity based on the certificate terms. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity.

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.50% ▲ 0.94 pts · high 4.50% / low 3.56%
2.62%4.03%5.44%Sep 14, 2026: 3.56% APYSep 29, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
  • Sep 29, 20264.50%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
212 5th Ave, Edgeley, ND 58433
24 Month IRA CD
$0
4.50% ▲ 1.67% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.83%▲ 1.67% above avg
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 2, 2026
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
24 Month Certificate
$500
4.50% ▲ 1.67% above avg
View
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.83%▲ 1.67% above avg
Details

No additional details available.

Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 18, 2026: 4.20% APYSep 22, 2026: 4.40% APYSep 29, 2026: 4.50% APYSep 18, 2026Oct 2, 2026
  • Sep 29, 20264.50%▲ from 4.40%
  • Sep 22, 20264.40%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA 31405 5922
Jumbo - Minimum Deposit of 24 Month Share or IRA Certificate
$100,000
4.50% ▲ 1.67% above avg
View
▼
Rate4.41%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.83%▲ 1.67% above avg
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYSep 22, 2026: 4.40% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
  • Oct 1, 20264.50%▲ from 4.40%
  • Sep 22, 20264.40%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
Relationship CD - 24 Month
$0
4.50% ▲ 1.67% above avg
View
▼
Rate4.43%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.83%▲ 1.67% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
  • Sep 24, 20264.50%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3730 N Stone Ave, tucson, AZ 85705 3204
24 Month Term Share Certificate
$0
4.50% ▲ 1.67% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.83%▲ 1.67% above avg
Details

Checking Relationship APY

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 2, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
2 Year Certificates of Deposit (CDs)
$100
4.49% ▲ 1.66% above avg
View
▼
Rate4.44%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.83%▲ 1.66% above avg
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 4.18% → 4.49% ▲ 0.31 pts · high 4.49% / low 4.18%
3.68%4.34%4.99%Sep 14, 2026: 4.18% APYSep 24, 2026: 4.49% APYSep 14, 2026Oct 2, 2026
  • Sep 24, 20264.49%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
24 Month Jumbo Certificates of Deposit
$0
4.49% ▲ 1.66% above avg
View
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.83%▲ 1.66% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.49% APY · checked 3 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APYSep 14, 2026Oct 2, 2026
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
1001 Post Rd, Darien, CT 06820
24 Month Certificate
$500
4.45% ▲ 1.62% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.83%▲ 1.62% above avg
Details

No additional details available.

Rate History
No change since Sep 24, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Sep 24, 2026: 4.45% APYSep 24, 2026Oct 2, 2026
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
15750 W Dodge Rd, Omaha, NE 68118
24 Month CD
$500
4.45% ▲ 1.62% above avg
View
▼
Rate4.38%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.83%▲ 1.62% above avg
Details

No additional details available.

Rate History
No change since Sep 20, 2026 · 4.45% APY · checked 3 times
3.95%4.45%4.95%Sep 20, 2026: 4.45% APYSep 20, 2026Oct 2, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
66 Hudson Blvd E, New York, NY 10001
24 Month CD
$1,000
4.45% ▲ 1.62% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.83%▲ 1.62% above avg
Details

No additional details available.

Rate History
No change since Sep 24, 2026 · 4.45% APY · checked 3 times
3.95%4.45%4.95%Sep 24, 2026: 4.45% APYSep 24, 2026Oct 2, 2026
Credit One Bank, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
6801 S Cimarron Rd, Las Vegas, NV 89113
24 Month High Yield Jumbo CD
$0
4.45% ▲ 1.62% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.83%▲ 1.62% above avg
Details

Loyalty Rates: 0.05%

Rate History
No change since Sep 27, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Sep 27, 2026: 4.45% APYSep 27, 2026Oct 2, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Delaware Ave Ste 1401, Wilmington, DE 19801
24 Month CD
$1,000
4.45% ▲ 1.62% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.83%▲ 1.62% above avg
Details

New Money CDs.

Rate History
No change since Sep 28, 2026 · 4.45% APY
3.95%4.45%4.95%Sep 28, 2026: 4.45% APYSep 28, 2026Oct 2, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
423 433 Reuter Boulevard, Towanda, PA 18848
24 Month Certificates of Deposit
$0
4.42% ▲ 1.59% above avg
View
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.83%▲ 1.59% above avg
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
3.72%4.32%4.92%Sep 18, 2026: 4.22% APYOct 2, 2026: 4.42% APYSep 18, 2026Oct 2, 2026
  • Oct 2, 20264.42%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
2 Year High-Yield CD
$500
4.40% ▲ 1.57% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.83%▲ 1.57% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 2, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2431 E 61st St, Tulsa, OK 74136
24 Month CD
$0
4.40% ▲ 1.57% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.83%▲ 1.57% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 18, 2026: 4.30% APYSep 24, 2026: 4.40% APYSep 18, 2026Oct 2, 2026
  • Sep 24, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2701 N Thanksgiving Way, Lehi, UT 84043
2 Year Consumer Certificate of Deposit
$500
4.40% ▲ 1.57% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.83%▲ 1.57% above avg
Details

Annual Percentage Yield (APY) accurate as of 09/24/2026. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.

Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APYSep 14, 2026Oct 2, 2026
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
24 Month Certificate
$100,000
4.40% ▲ 1.57% above avg
View
▼
Rate4.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.83%▲ 1.57% above avg
Details

Balance: $100,000 and above

Rate History
No change since Sep 27, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Sep 27, 2026: 4.40% APYSep 27, 2026Oct 2, 2026
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
2400 N Grandview Blvd, Waukesha, WI 53188
2 Year Certificate
$0
4.40% ▲ 1.57% above avg
View
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.83%▲ 1.57% above avg
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 18, 2026: 4.40% APYSep 18, 2026Oct 2, 2026
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
17273 State Route 104, Chillicothe, OH 45601 9718
24 Month Certificate of Deposit
$500
4.40% ▲ 1.57% above avg
View
▼
Rate4.31%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.83%▲ 1.57% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.40% ▲ 0.55 pts · high 4.40% / low 3.85%
3.30%4.13%4.95%Sep 14, 2026: 3.85% APYSep 25, 2026: 4.40% APYSep 14, 2026Oct 2, 2026
  • Sep 25, 20264.40%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
2301 RICHMOND RD, TEXARKANA, TX 75503
24 Month Share Certificates
$0
4.40% ▲ 1.57% above avg
View
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.83%▲ 1.57% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 5 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APYSep 14, 2026Oct 2, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
24 Month Share Certificate
$0
4.40% ▲ 1.57% above avg
View
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.83%▲ 1.57% above avg
Details

Balance: $1,000

Rate History
1 change since Sep 18, 2026 · 4.10% → 4.40% ▲ 0.30 pts · high 4.40% / low 4.10%
3.60%4.25%4.90%Sep 18, 2026: 4.10% APYSep 27, 2026: 4.40% APYSep 18, 2026Oct 2, 2026
  • Sep 27, 20264.40%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
6414 Montgomery St, Rhinebeck, NY 12572
2-Year CD
$2,000
4.40% ▲ 1.57% above avg
View
▼
Rate4.31%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.83%▲ 1.57% above avg
Details

Promo

Rate History
1 change since Sep 9, 2026 · 3.00% → 4.40% ▲ 1.40 pts · high 4.40% / low 3.00%
1.60%3.70%5.80%Sep 9, 2026: 3.00% APYSep 27, 2026: 4.40% APYSep 9, 2026Oct 2, 2026
  • Sep 27, 20264.40%▲ from 3.00%
  • Sep 9, 20263.00%first recorded
Library Of Congress Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
101 Independence Ave SE Rm 634, Washington, DC 20540 0002
24 Month Monthly Dividend Certificate
$0
4.39% ▲ 1.56% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.83%▲ 1.56% above avg
Details

No additional details available.

Rate History
No change since Sep 25, 2026 · 4.39% APY
3.89%4.39%4.89%Sep 25, 2026: 4.39% APYSep 25, 2026Oct 2, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
24 Months Jumbo IRA
$100,000
4.39% ▲ 1.56% above avg
View
▼
Rate4.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.83%▲ 1.56% above avg
Details

Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.39% ▲ 0.09 pts · high 4.39% / low 4.30%
3.80%4.35%4.89%Sep 14, 2026: 4.30% APYSep 27, 2026: 4.39% APYSep 14, 2026Oct 2, 2026
  • Sep 27, 20264.39%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
3333 Burnet Ave, Cincinnati, OH 45229 3026
2 year Certificate
$500
4.36% ▲ 1.53% above avg
View
▼
Rate4.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.83%▲ 1.53% above avg
Details

CD and IRA rates effective 01/25/2024. Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.

Rate History
No change since Sep 14, 2026 · 4.36% APY · checked 4 times
3.86%4.36%4.86%Sep 14, 2026: 4.36% APYSep 14, 2026Oct 2, 2026
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
24 Month Jumbo Certificates +
$50,000
4.35% ▲ 1.52% above avg
View
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.83%▲ 1.52% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
3.55%4.20%4.85%Sep 18, 2026: 4.05% APYSep 25, 2026: 4.35% APYSep 18, 2026Oct 2, 2026
  • Sep 25, 20264.35%▲ from 4.05%
  • Sep 18, 20264.05%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
141 Massachusetts Ave, Arlington, MA 02474
24 Month Certificate
$0
4.35% ▲ 1.52% above avg
View
▼
Rate4.27%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.83%▲ 1.52% above avg
Details

Balance: $1,000 - $1,000

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 18, 2026: 4.15% APYSep 24, 2026: 4.35% APYSep 18, 2026Oct 2, 2026
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
24-Month IRA
$0
4.34% ▲ 1.51% above avg
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.83%▲ 1.51% above avg
Details

No additional details available.

Rate History
No change since Sep 16, 2026 · 4.34% APY · checked 2 times
3.84%4.34%4.84%Sep 16, 2026: 4.34% APYSep 16, 2026Oct 2, 2026
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
420 Lexington Ave Rm 850, New York, NY 10170 0033
24 Month Long-Term Certificates
$50,000
4.34% ▲ 1.51% above avg
View
▼
Rate4.25%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.83%▲ 1.51% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.34% APY · checked 5 times
3.84%4.34%4.84%Sep 14, 2026: 4.34% APYSep 14, 2026Oct 2, 2026
Ouachita Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1420 Natchitoches St, West Monroe, LA 71292
24-Month IRA
$2,000
4.33% ▲ 1.50% above avg
View
▼
Rate4.25%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.83%▲ 1.50% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 3 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 2, 2026
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
123 W 4th St, Cedar Falls, IA 50613 2831
24 Month JUMBO Certificates
$100,000
4.30% ▲ 1.47% above avg
View
▼
Rate4.23%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.83%▲ 1.47% above avg
Details

Limited Time Special

Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Oct 2, 2026
New Heights Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
72 E 700 N, Logan, UT 84321
24 Month CD
$0
4.30% ▲ 1.47% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 30, 2026
MBR National Avg2.83%▲ 1.47% above avg
Details

Balance: $5,000+; APY = Annual Percentage Yield. Terms and conditions may apply. Early withdrawal penalties may apply. $5,000+ deposit required for promotional rate.

Rate History
No change since Sep 30, 2026 · 4.30% APY
3.80%4.30%4.80%Sep 30, 2026: 4.30% APYSep 30, 2026Oct 2, 2026
McCoy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1900 McCoy Rd, Orlando, FL 32809
24 Month Share Certificate
$0
4.28% ▲ 1.45% above avg
View
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.83%▲ 1.45% above avg
Details

Balance: $1,000 - $4,999

Rate History
1 change since Sep 17, 2026 · 3.56% → 4.28% ▲ 0.73 pts · high 4.28% / low 3.56%
2.83%3.92%5.01%Sep 17, 2026: 3.56% APYSep 25, 2026: 4.28% APYSep 17, 2026Oct 2, 2026
  • Sep 25, 20264.28%▲ from 3.56%
  • Sep 17, 20263.56%first recorded
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
227 Market St, Camden, NJ 08102
Share Certificate 24 Month
$0
4.25% ▲ 1.42% above avg
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.83%▲ 1.42% above avg
Details

Offer valid for funds not currently on deposit with First Harvest Credit Union. Must open with $500 minimum in new money or have a First Harvest Checking Account.

Rate History
1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
2.05%3.70%5.35%Sep 18, 2026: 3.15% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 2, 2026
  • Sep 24, 20264.25%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.74%
790 W Mill St, Middletown, IN 47356
24-month CD/IRA Promotional Rate
$0
4.25% ▲ 1.42% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.83%▲ 1.42% above avg
Details

Promotional Rate. Rates may vary by zip code. APY (Annual Percentage Yield) effective 9/25/2026 for a limited time. See Details.

Rate History
No change since Sep 27, 2026 · 4.25% APY
3.75%4.25%4.75%Sep 27, 2026: 4.25% APYSep 27, 2026Oct 2, 2026
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
815 N Freedom Blvd, Provo, UT 84604 3315
24 Month Term Share Certificate
$1,000
4.25% ▲ 1.42% above avg
View
▼
Rate4.18%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.83%▲ 1.42% above avg
Details

Minimum: $1,000 required to open regular and IRA certificate accounts. $500 required to open youth certificate accounts.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 26, 2026: 4.25% APYSep 18, 2026Oct 2, 2026
  • Sep 26, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
602 S 6th St, Macclenny, FL 32063 2608
Traditional Kid's Club 24 month CD Special
$0
4.25% ▲ 1.42% above avg
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.83%▲ 1.42% above avg
Details

Special; Tru Traditional/Roth IRA Accounts

Rate History
No change since Sep 22, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 22, 2026: 4.25% APYSep 22, 2026Oct 2, 2026
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
18530 33rd Ave W, Lynnwood, WA 98037
Business 24 month
$0
4.25% ▲ 1.42% above avg
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.83%▲ 1.42% above avg
Details

Balance: $0-$999

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 18, 2026: 3.70% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 2, 2026
  • Sep 27, 20264.25%▲ from 3.70%
  • Sep 18, 20263.70%first recorded

36 Month CD Rates

MonitorBankRates National Average · 36 Month CD2.76% APYUnchanged from last week
View 36-month CD rate trend

The national average 36-month CD rate is 2.76% APY as of October 2, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
1000 W Wisconsin St, Sparta, WI 54656 2230
36-MONTH TEEN CERTIFICATE SPECIAL
$500
5.13% ▲ 2.37% above avg
View
▼
Rate5.00%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 2.37% above avg
Details

FOR AGES 13-15 YEARS OLD; Minimum deposit of $500, Maximum $10,000. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. A penalty may be imposed for withdrawals before maturity. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Youth members may have one of each Youth Certificate type. Teen members may have one Teen Certificate and one of each Youth Certificate type. Certificates are subject to age restrictions. Cannot be opened as UTMA account. Certificate must be in the minor's name. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA.

Rate History
No change since Sep 14, 2026 · 5.13% APY · checked 5 times
4.63%5.13%5.63%Sep 14, 2026: 5.13% APYSep 14, 2026Oct 2, 2026
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
IRA 36 MONTH
$0
5.06% ▲ 2.30% above avg
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 2.30% above avg
Details

No additional details available.

Rate History
4 changes since Sep 8, 2026 · 4.24% → 5.06% ▲ 0.82 pts · high 5.06% / low 4.24%
3.42%4.65%5.88%Sep 8, 2026: 4.24% APYSep 18, 2026: 4.55% APYSep 24, 2026: 4.65% APYSep 27, 2026: 4.76% APYOct 2, 2026: 5.06% APYSep 8, 2026Oct 2, 2026
  • Oct 2, 20265.06%▲ from 4.76%
  • Sep 27, 20264.76%▲ from 4.65%
  • Sep 24, 20264.65%▲ from 4.55%
  • Sep 18, 20264.55%▲ from 4.24%
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
348 W Michigan Ave, Kalamazoo, MI 49007
3-Year Rising Rate Certificate of Deposit
$0
5.00% ▲ 2.24% above avg
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 2.24% above avg
Details

No additional details available.

Rate History
1 change since Sep 8, 2026 · 3.97% → 5.00% ▲ 1.03 pts · high 5.00% / low 3.97%
2.94%4.48%6.03%Sep 8, 2026: 3.97% APYSep 24, 2026: 5.00% APYSep 8, 2026Oct 2, 2026
  • Sep 24, 20265.00%▲ from 3.97%
  • Sep 8, 20263.97%first recorded
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
201 S Main St Fl 5, Salt Lake City, UT 84111
36 Month Certificate of Deposit
$0
5.00% ▲ 2.24% above avg
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 2.24% above avg
Details

No additional details available.

Rate History
No change since Sep 30, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Sep 30, 2026: 5.00% APYSep 30, 2026Oct 2, 2026
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
3 Year FDIC-Insured Certificate of Deposit
$0
4.90% ▲ 2.14% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.76%▲ 2.14% above avg
Details

No additional details available.

Rate History
1 change since Sep 24, 2026 · 4.75% → 4.90% ▲ 0.15 pts · high 4.90% / low 4.75%
4.25%4.83%5.40%Sep 24, 2026: 4.75% APYSep 27, 2026: 4.90% APYSep 24, 2026Oct 2, 2026
  • Sep 27, 20264.90%▲ from 4.75%
  • Sep 24, 20264.75%first recorded
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
Certificates of Deposit (CDs) - 36 Months
$2,000
4.85% ▲ 2.09% above avg
View
▼
Rate4.74%
Min Deposit$2,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 2.09% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.80% → 4.85% ▲ 0.05 pts · high 4.85% / low 4.80%
4.30%4.82%5.35%Sep 18, 2026: 4.80% APYSep 27, 2026: 4.85% APYSep 18, 2026Oct 2, 2026
  • Sep 27, 20264.85%▲ from 4.80%
  • Sep 18, 20264.80%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
36 Month CD
$0
4.80% ▲ 2.04% above avg
View
▼
Rate4.69%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 2.04% above avg
Details

No additional details available.

Rate History
1 change since Sep 24, 2026 · 4.50% → 4.80% ▲ 0.30 pts · high 4.80% / low 4.50%
4.00%4.65%5.30%Sep 24, 2026: 4.50% APYOct 1, 2026: 4.80% APYSep 24, 2026Oct 2, 2026
  • Oct 1, 20264.80%▲ from 4.50%
  • Sep 24, 20264.50%first recorded
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2485 Village View Dr, Henderson, NV 89074
36 Month Certificates of Deposit
$0
4.73% ▲ 1.97% above avg
View
▼
Rate4.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.76%▲ 1.97% above avg
Details

No additional details available.

Rate History
No change since Sep 24, 2026 · 4.73% APY · checked 2 times
4.23%4.73%5.23%Sep 24, 2026: 4.73% APYSep 24, 2026Oct 2, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
3 Year Certificates of Deposit (CDs)
$100
4.73% ▲ 1.97% above avg
View
▼
Rate4.68%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.76%▲ 1.97% above avg
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 4.37% → 4.73% ▲ 0.36 pts · high 4.73% / low 4.37%
3.87%4.55%5.23%Sep 14, 2026: 4.37% APYSep 24, 2026: 4.73% APYSep 14, 2026Oct 2, 2026
  • Sep 24, 20264.73%▲ from 4.37%
  • Sep 14, 20264.37%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
Relationship CD - 36 Month
$0
4.60% ▲ 1.84% above avg
View
▼
Rate4.52%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.84% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
3.70%4.40%5.10%Sep 14, 2026: 4.20% APYSep 24, 2026: 4.60% APYSep 14, 2026Oct 2, 2026
  • Sep 24, 20264.60%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
36 Month Share Certificate
$0
4.59% ▲ 1.83% above avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 1.83% above avg
Details

Balance: $1M+

Rate History
No change since Sep 14, 2026 · 4.59% APY · checked 3 times
4.09%4.59%5.09%Sep 14, 2026: 4.59% APYSep 14, 2026Oct 2, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
36 Month IRA Certificate
$0
4.59% ▲ 1.83% above avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.76%▲ 1.83% above avg
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 4.59% APY · checked 4 times
4.09%4.59%5.09%Sep 18, 2026: 4.59% APYSep 18, 2026Oct 2, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
3 Year Certificate of Deposit
$1,000
4.55% ▲ 1.79% above avg
View
▼
Rate4.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.76%▲ 1.79% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
2.95%4.15%5.35%Sep 14, 2026: 3.75% APYSep 28, 2026: 4.55% APYSep 14, 2026Oct 2, 2026
  • Sep 28, 20264.55%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
36 Month Jumbo Certificates of Deposit
$0
4.54% ▲ 1.78% above avg
View
▼
Rate4.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.76%▲ 1.78% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.54% APY · checked 3 times
4.04%4.54%5.04%Sep 14, 2026: 4.54% APYSep 14, 2026Oct 2, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
423 433 Reuter Boulevard, Towanda, PA 18848
36 Month Certificates of Deposit
$0
4.52% ▲ 1.76% above avg
View
▼
Rate4.45%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.76% above avg
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.27% → 4.52% ▲ 0.25 pts · high 4.52% / low 4.27%
3.77%4.40%5.02%Sep 18, 2026: 4.27% APYOct 2, 2026: 4.52% APYSep 18, 2026Oct 2, 2026
  • Oct 2, 20264.52%▲ from 4.27%
  • Sep 18, 20264.27%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
7007 Broadway Ave, Cleveland, OH 44105
36 Month Bonus CD
$0
4.50% ▲ 1.74% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.74% above avg
Details

Minimum to Obtain: $500

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 2, 2026
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
36-month online CD
$25,000
4.50% ▲ 1.74% above avg
View
▼
Rate4.40%
Min Deposit$25,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.74% above avg
Details

Online-only high-yield rates.

Rate History
1 change since Sep 18, 2026 · 3.76% → 4.50% ▲ 0.74 pts · high 4.50% / low 3.76%
3.02%4.13%5.24%Sep 18, 2026: 3.76% APYOct 2, 2026: 4.50% APYSep 18, 2026Oct 2, 2026
  • Oct 2, 20264.50%▲ from 3.76%
  • Sep 18, 20263.76%first recorded
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
503 W Plane St, Bethel, OH 45106
36 Month Special
$5,000
4.50% ▲ 1.74% above avg
View
▼
Rate4.40%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.76%▲ 1.74% above avg
Details

No additional details available.

Rate History
No change since Sep 20, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Sep 20, 2026: 4.50% APYSep 20, 2026Oct 2, 2026
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
36 Month CD
$0
4.50% ▲ 1.74% above avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.76%▲ 1.74% above avg
Details

Balance: $10,000+

Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Sep 24, 2026: 4.50% APYSep 24, 2026Oct 2, 2026
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
36 Month Certificate of Deposit
$100,000
4.50% ▲ 1.74% above avg
View
▼
Rate4.45%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.74% above avg
Details

Deposit Amount: $100,000 and above

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 18, 2026: 4.35% APYSep 27, 2026: 4.50% APYSep 18, 2026Oct 2, 2026
  • Sep 27, 20264.50%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Credit One Bank, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
6801 S Cimarron Rd, Las Vegas, NV 89113
36 Month High Yield Jumbo CD
$0
4.50% ▲ 1.74% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.74% above avg
Details

Loyalty Rates: 0.05%

Rate History
No change since Sep 27, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Sep 27, 2026: 4.50% APYSep 27, 2026Oct 2, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
3 Year Business CD
$5,000
4.50% ▲ 1.74% above avg
View
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 1.74% above avg
Details

MIN BALANCE - $99,999.99

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 2, 2026
ORNL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
36-Month IRA PROMOTIONAL
$500
4.50% ▲ 1.74% above avg
View
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 1.74% above avg
Details

See Disclosure section below for details.

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYSep 27, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
  • Sep 27, 20264.50%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
13283 Isle Dr, Baxter, MN 56425 8554
36 Month Fast Forward Term Share Certificate
$10
4.49% ▲ 1.73% above avg
View
▼
Rate—
Min Deposit$10
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.76%▲ 1.73% above avg
Details

$10 minimum at 36 months and requires a monthly deposit between $10 & $500

Rate History
No change since Sep 14, 2026 · 4.49% APY · checked 4 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APYSep 14, 2026Oct 2, 2026
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
15 S Main St, Deerfield, WI 53531
HSA 36 Month Certificate
$2,500
4.45% ▲ 1.69% above avg
View
▼
Rate4.40%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.76%▲ 1.69% above avg
Details

Certificate of Deposits, IRAs, and HSA**5

Rate History
No change since Sep 19, 2026 · 4.45% APY · checked 3 times
3.95%4.45%4.95%Sep 19, 2026: 4.45% APYSep 19, 2026Oct 2, 2026
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
15750 W Dodge Rd, Omaha, NE 68118
36 Month CD
$500
4.45% ▲ 1.69% above avg
View
▼
Rate4.38%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.76%▲ 1.69% above avg
Details

No additional details available.

Rate History
No change since Sep 20, 2026 · 4.45% APY · checked 3 times
3.95%4.45%4.95%Sep 20, 2026: 4.45% APYSep 20, 2026Oct 2, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
241 E Saginaw St, East Lansing, MI 48823
36 Month Certificate of Deposit
$0
4.45% ▲ 1.69% above avg
View
▼
Rate4.38%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.69% above avg
Details

No additional details available.

Rate History
2 changes since Sep 18, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
3.50%4.23%4.95%Sep 18, 2026: 4.00% APYSep 24, 2026: 4.30% APYOct 2, 2026: 4.45% APYSep 18, 2026Oct 2, 2026
  • Oct 2, 20264.45%▲ from 4.30%
  • Sep 24, 20264.30%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
36 Month Certificates of deposit (CDs)
$2,500
4.45% ▲ 1.69% above avg
View
▼
Rate4.35%
Min Deposit$2,500
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.69% above avg
Details

Balance: $2,500

Rate History
1 change since Sep 18, 2026 · 4.40% → 4.45% ▲ 0.05 pts · high 4.45% / low 4.40%
3.90%4.43%4.95%Sep 18, 2026: 4.40% APYSep 27, 2026: 4.45% APYSep 18, 2026Oct 2, 2026
  • Sep 27, 20264.45%▲ from 4.40%
  • Sep 18, 20264.40%first recorded
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
36 Month Share Certificate
$0
4.45% ▲ 1.69% above avg
View
▼
Rate4.36%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.69% above avg
Details

Balance: $1,000

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.45% ▲ 0.30 pts · high 4.45% / low 4.15%
3.65%4.30%4.95%Sep 18, 2026: 4.15% APYSep 27, 2026: 4.45% APYSep 18, 2026Oct 2, 2026
  • Sep 27, 20264.45%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
104 S Cascade Ave, Colorado Springs, CO 80903
36 Month Variable IRA
$250
4.44% ▲ 1.68% above avg
View
▼
Rate4.35%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.76%▲ 1.68% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.44% APY · checked 3 times
3.94%4.44%4.94%Sep 14, 2026: 4.44% APYSep 14, 2026Oct 2, 2026
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
8310 O St, Lincoln, NE 68510
36 Month Business Certificates of Deposit
$1,000
4.42% ▲ 1.66% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 1.66% above avg
Details

No additional details available.

Rate History
1 change since Sep 30, 2026 · 3.99% → 4.42% ▲ 0.43 pts · high 4.42% / low 3.99%
3.49%4.21%4.92%Sep 30, 2026: 3.99% APYOct 1, 2026: 4.42% APYSep 30, 2026Oct 2, 2026
  • Oct 1, 20264.42%▲ from 3.99%
  • Sep 30, 20263.99%first recorded
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
2400 N Grandview Blvd, Waukesha, WI 53188
3 Year Certificate
$0
4.40% ▲ 1.64% above avg
View
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.64% above avg
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 18, 2026: 4.40% APYSep 18, 2026Oct 2, 2026
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
417 High St, Frankfort, KY 40601
36 Month Traditional Certificate
$500
4.40% ▲ 1.64% above avg
View
▼
Rate4.31%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 1.64% above avg
Details

Certificates (Regular, Traditional IRA, and Roth IRA)

Rate History
1 change since Sep 30, 2026 · 3.70% → 4.40% ▲ 0.70 pts · high 4.40% / low 3.70%
3.00%4.05%5.10%Sep 30, 2026: 3.70% APYOct 1, 2026: 4.40% APYSep 30, 2026Oct 2, 2026
  • Oct 1, 20264.40%▲ from 3.70%
  • Sep 30, 20263.70%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
2115 N Broadway, Santa Ana, CA 92706
36 Month Deferred Compensation Certificates
$50
4.40% ▲ 1.64% above avg
View
▼
Rate4.31%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.76%▲ 1.64% above avg
Details

payroll deposit only

Rate History
1 change since Sep 18, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 18, 2026: 4.20% APYSep 29, 2026: 4.40% APYSep 18, 2026Oct 2, 2026
  • Sep 29, 20264.40%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
36 Month Bump Your Rate Certificate
$0
4.40% ▲ 1.64% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.76%▲ 1.64% above avg
Details

APY is effective as of 09/01/2026, is variable and may change after the account is opened. The dividend period, dividend compounding and crediting are quarterly. Rates, terms and conditions are subject to change without notice. A penalty may be imposed for early withdrawals, excluding earned dividends. Fees and withdrawals could reduce earnings. Bump Your Rate Certificate: Once, during the term of the certificate, the dividend rate may be upgraded to match the same product 36 month certificate dividend rate offered at the time of the bump request, which will be fixed for the remainder of the term. To qualify for this certificate, you must have a personal checking account with direct deposit.

Rate History
No change since Sep 28, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Sep 28, 2026: 4.40% APYSep 28, 2026Oct 2, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
36 Months Jumbo IRA
$100,000
4.39% ▲ 1.63% above avg
View
▼
Rate4.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 1.63% above avg
Details

Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.39% ▲ 0.09 pts · high 4.39% / low 4.30%
3.80%4.35%4.89%Sep 14, 2026: 4.30% APYSep 27, 2026: 4.39% APYSep 14, 2026Oct 2, 2026
  • Sep 27, 20264.39%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
3030 S Adrian Hwy, Adrian, MI 49221
36 Month Certificate
$0
4.37% ▲ 1.61% above avg
View
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.76%▲ 1.61% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.37% ▲ 0.46 pts · high 4.37% / low 3.91%
3.41%4.14%4.87%Sep 18, 2026: 3.91% APYSep 29, 2026: 4.37% APYSep 18, 2026Oct 2, 2026
  • Sep 29, 20264.37%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
36 Month Jumbo Share Certificates (CDs)
$1,000
4.35% ▲ 1.59% above avg
View
▼
Rate4.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.76%▲ 1.59% above avg
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Oct 2, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
3 Year Certificate
$500
4.35% ▲ 1.59% above avg
View
▼
Rate4.26%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 1.59% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 14, 2026: 4.35% APYSep 14, 2026Oct 2, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
1617 W 7th St, Fort Worth, TX 76102
36 Month Jumbo CD
$50,000
4.35% ▲ 1.59% above avg
View
▼
Rate4.27%
Min Deposit$50,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 1.59% above avg
Details

APY (Annual Percentage Yield) is accurate as of September 18, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.

Rate History
No change since Sep 22, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Sep 22, 2026: 4.35% APYSep 22, 2026Oct 2, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3777 West Rd, East Lansing, MI 48823 8029
3-Year Certificate or IRA-HSA Jumbo
$0
4.35% ▲ 1.59% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.76%▲ 1.59% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 18, 2026: 4.00% APYSep 25, 2026: 4.35% APYSep 18, 2026Oct 2, 2026
  • Sep 25, 20264.35%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
229 Parker St, Gardner, MA 01440 3703
36 Month Term Share Certificates
$500
4.35% ▲ 1.59% above avg
View
▼
Rate4.27%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.76%▲ 1.59% above avg
Details

Balance: $500.00

Rate History
1 change since Sep 18, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10%
3.60%4.23%4.85%Sep 18, 2026: 4.10% APYSep 21, 2026: 4.35% APYSep 18, 2026Oct 2, 2026
  • Sep 21, 20264.35%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
1 Commerce St, Poughkeepsie, NY 12603
36 Month Share & IRA Certificates
$0
4.35% ▲ 1.59% above avg
View
▼
Rate4.27%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 1.59% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
3.55%4.20%4.85%Sep 14, 2026: 4.05% APYOct 1, 2026: 4.35% APYSep 14, 2026Oct 2, 2026
  • Oct 1, 20264.35%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
141 Massachusetts Ave, Arlington, MA 02474
3 Year Certificate
$0
4.35% ▲ 1.59% above avg
View
▼
Rate4.27%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.59% above avg
Details

Balance: $1,000 - $1,000

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 18, 2026: 4.15% APYSep 24, 2026: 4.35% APYSep 18, 2026Oct 2, 2026
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
New Heights Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
72 E 700 N, Logan, UT 84321
36 Month CD
$0
4.35% ▲ 1.59% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 30, 2026
MBR National Avg2.76%▲ 1.59% above avg
Details

Balance: $5,000+; APY = Annual Percentage Yield. Terms and conditions may apply. Early withdrawal penalties may apply. $5,000+ deposit required for promotional rate.

Rate History
No change since Sep 30, 2026 · 4.35% APY
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 2, 2026
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
1111 Country Club Rd, Middletown, CT 06457 2389
Share & IRA CDs - 36 Months
$0
4.33% ▲ 1.57% above avg
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.76%▲ 1.57% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.02% → 4.33% ▲ 0.31 pts · high 4.33% / low 4.02%
3.52%4.18%4.83%Sep 18, 2026: 4.02% APYSep 29, 2026: 4.33% APYSep 18, 2026Oct 2, 2026
  • Sep 29, 20264.33%▲ from 4.02%
  • Sep 18, 20264.02%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
36 Month Certificate
$50,000
4.33% ▲ 1.57% above avg
View
▼
Rate4.25%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.76%▲ 1.57% above avg
Details

No additional details available.

Rate History
1 change since Sep 21, 2026 · 3.75% → 4.33% ▲ 0.58 pts · high 4.33% / low 3.75%
3.17%4.04%4.91%Sep 21, 2026: 3.75% APYSep 29, 2026: 4.33% APYSep 21, 2026Oct 2, 2026
  • Sep 29, 20264.33%▲ from 3.75%
  • Sep 21, 20263.75%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
3 Year Certificate Accounts
$0
4.33% ▲ 1.57% above avg
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.76%▲ 1.57% above avg
Details

Balance: $90,000+

Rate History
No change since Sep 25, 2026 · 4.33% APY
3.83%4.33%4.83%Sep 25, 2026: 4.33% APYSep 25, 2026Oct 2, 2026
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1515 Hoopes Ave, Idaho Falls, ID 83404
36 Month Certificate
$500
4.32% ▲ 1.56% above avg
View
▼
Rate4.25%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 1.56% above avg
Details

PAYS QUARTERLY

Rate History
No change since Sep 27, 2026 · 4.32% APY · checked 2 times
3.82%4.32%4.82%Sep 27, 2026: 4.32% APYSep 27, 2026Oct 2, 2026
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
8916 Sabal Industrial Blvd, Tampa, FL 33619
36 Month Jumbo Certificate
$0
4.32% ▲ 1.56% above avg
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 1.56% above avg
Details

Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.

Rate History
No change since Sep 27, 2026 · 4.32% APY · checked 2 times
3.82%4.32%4.82%Sep 27, 2026: 4.32% APYSep 27, 2026Oct 2, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
36 Month Term Share (Certificate) / IRA
$0
4.31% ▲ 1.55% above avg
View
▼
Rate4.23%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.76%▲ 1.55% above avg
Details

Early Withdrawal Penalty: 240 Days

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.31% ▲ 0.41 pts · high 4.31% / low 3.90%
3.40%4.10%4.81%Sep 18, 2026: 3.90% APYOct 2, 2026: 4.31% APYSep 18, 2026Oct 2, 2026
  • Oct 2, 20264.31%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
815 N Freedom Blvd, Provo, UT 84604 3315
36 Month Term Share Certificate
$1,000
4.25% ▲ 1.49% above avg
View
▼
Rate4.18%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.76%▲ 1.49% above avg
Details

Minimum: $1,000 required to open regular and IRA certificate accounts. $500 required to open youth certificate accounts.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 26, 2026: 4.25% APYSep 18, 2026Oct 2, 2026
  • Sep 26, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3730 N Stone Ave, tucson, AZ 85705 3204
36 Month Term Share Certificate
$0
4.25% ▲ 1.49% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.76%▲ 1.49% above avg
Details

Checking Relationship APY

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 2, 2026

48 Month CD Rates

MonitorBankRates National Average · 48 Month CD2.75% APYUnchanged from last week
View 48-month CD rate trend

The national average 48-month CD rate is 2.75% APY as of October 2, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
201 S Main St Fl 5, Salt Lake City, UT 84111
48 Month Certificate of Deposit
$0
5.10% ▲ 2.35% above avg
View
▼
Rate5.10%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.75%▲ 2.35% above avg
Details

No additional details available.

Rate History
No change since Sep 30, 2026 · 5.10% APY · checked 2 times
4.60%5.10%5.60%Sep 30, 2026: 5.10% APYSep 30, 2026Oct 2, 2026
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
417 High St, Frankfort, KY 40601
48 Month Wealth Development Certificate
$5
5.00% ▲ 2.25% above avg
View
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.75%▲ 2.25% above avg
Details

paid annually

Rate History
No change since Oct 1, 2026 · 5.00% APY
4.50%5.00%5.50%Oct 1, 2026: 5.00% APYOct 1, 2026Oct 2, 2026
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
4 Year FDIC-Insured Certificate of Deposit
$0
4.95% ▲ 2.20% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.75%▲ 2.20% above avg
Details

No additional details available.

Rate History
1 change since Sep 24, 2026 · 4.85% → 4.95% ▲ 0.10 pts · high 4.95% / low 4.85%
4.35%4.90%5.45%Sep 24, 2026: 4.85% APYSep 27, 2026: 4.95% APYSep 24, 2026Oct 2, 2026
  • Sep 27, 20264.95%▲ from 4.85%
  • Sep 24, 20264.85%first recorded
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
Certificates of Deposit (CDs) - 48 Months
$2,000
4.95% ▲ 2.20% above avg
View
▼
Rate4.83%
Min Deposit$2,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.75%▲ 2.20% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.85% → 4.95% ▲ 0.10 pts · high 4.95% / low 4.85%
4.35%4.90%5.45%Sep 18, 2026: 4.85% APYSep 27, 2026: 4.95% APYSep 18, 2026Oct 2, 2026
  • Sep 27, 20264.95%▲ from 4.85%
  • Sep 18, 20264.85%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
48 Month CD
$0
4.85% ▲ 2.10% above avg
View
▼
Rate4.74%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.75%▲ 2.10% above avg
Details

No additional details available.

Rate History
1 change since Sep 24, 2026 · 4.50% → 4.85% ▲ 0.35 pts · high 4.85% / low 4.50%
4.00%4.68%5.35%Sep 24, 2026: 4.50% APYOct 1, 2026: 4.85% APYSep 24, 2026Oct 2, 2026
  • Oct 1, 20264.85%▲ from 4.50%
  • Sep 24, 20264.50%first recorded
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2485 Village View Dr, Henderson, NV 89074
48 Month Certificates of Deposit
$0
4.84% ▲ 2.09% above avg
View
▼
Rate4.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.75%▲ 2.09% above avg
Details

No additional details available.

Rate History
No change since Sep 24, 2026 · 4.84% APY · checked 2 times
4.34%4.84%5.34%Sep 24, 2026: 4.84% APYSep 24, 2026Oct 2, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
4 Year Certificates of Deposit (CDs)
$100
4.74% ▲ 1.99% above avg
View
▼
Rate4.69%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.75%▲ 1.99% above avg
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 4.42% → 4.74% ▲ 0.32 pts · high 4.74% / low 4.42%
3.92%4.58%5.24%Sep 14, 2026: 4.42% APYSep 24, 2026: 4.74% APYSep 14, 2026Oct 2, 2026
  • Sep 24, 20264.74%▲ from 4.42%
  • Sep 14, 20264.42%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
Relationship CD - 48 Month
$0
4.70% ▲ 1.95% above avg
View
▼
Rate4.62%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.75%▲ 1.95% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
3.75%4.48%5.20%Sep 14, 2026: 4.25% APYSep 24, 2026: 4.70% APYSep 14, 2026Oct 2, 2026
  • Sep 24, 20264.70%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
48 Months Jumbo IRA
$100,000
4.65% ▲ 1.90% above avg
View
▼
Rate4.55%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.75%▲ 1.90% above avg
Details

Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.

Rate History
1 change since Sep 14, 2026 · 4.55% → 4.65% ▲ 0.10 pts · high 4.65% / low 4.55%
4.05%4.60%5.15%Sep 14, 2026: 4.55% APYSep 27, 2026: 4.65% APYSep 14, 2026Oct 2, 2026
  • Sep 27, 20264.65%▲ from 4.55%
  • Sep 14, 20264.55%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
310 Caldwell St, Chillicothe, OH 45601
48 Month Print Share and IRA Jumbo Certificates
$0
4.63% ▲ 1.88% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.75%▲ 1.88% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.12% → 4.63% ▲ 0.51 pts · high 4.63% / low 4.12%
3.61%4.38%5.14%Sep 14, 2026: 4.12% APYSep 22, 2026: 4.63% APYSep 14, 2026Oct 2, 2026
  • Sep 22, 20264.63%▲ from 4.12%
  • Sep 14, 20264.12%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
423 433 Reuter Boulevard, Towanda, PA 18848
48 Month Certificates of Deposit
$0
4.58% ▲ 1.83% above avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.75%▲ 1.83% above avg
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
3.87%4.48%5.08%Sep 18, 2026: 4.37% APYOct 2, 2026: 4.58% APYSep 18, 2026Oct 2, 2026
  • Oct 2, 20264.58%▲ from 4.37%
  • Sep 18, 20264.37%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
4 Year Certificate of Deposit
$1,000
4.55% ▲ 1.80% above avg
View
▼
Rate4.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.75%▲ 1.80% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
2.95%4.15%5.35%Sep 14, 2026: 3.75% APYSep 28, 2026: 4.55% APYSep 14, 2026Oct 2, 2026
  • Sep 28, 20264.55%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
15750 W Dodge Rd, Omaha, NE 68118
48 Month CD
$500
4.55% ▲ 1.80% above avg
View
▼
Rate4.47%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.75%▲ 1.80% above avg
Details

No additional details available.

Rate History
No change since Sep 20, 2026 · 4.55% APY · checked 3 times
4.05%4.55%5.05%Sep 20, 2026: 4.55% APYSep 20, 2026Oct 2, 2026
Cornerstone State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
500 Main St, Madison Lake, MN 56063
IRA 36-48 month C.D.
$500
4.55% ▲ 1.80% above avg
View
▼
Rate4.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.75%▲ 1.80% above avg
Details

Balance: $75,000 to $199,999.99

Rate History
No change since Sep 19, 2026 · 4.55% APY · checked 3 times
4.05%4.55%5.05%Sep 19, 2026: 4.55% APYSep 19, 2026Oct 2, 2026
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
17273 State Route 104, Chillicothe, OH 45601 9718
48 Month Certificate of Deposit
$500
4.55% ▲ 1.80% above avg
View
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.75%▲ 1.80% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.55% ▲ 0.90 pts · high 4.55% / low 3.65%
2.75%4.10%5.45%Sep 14, 2026: 3.65% APYSep 25, 2026: 4.55% APYSep 14, 2026Oct 2, 2026
  • Sep 25, 20264.55%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
4 year Mini-Jumbo IRA Share Certificate
$20,000
4.55% ▲ 1.80% above avg
View
▼
Rate4.45%
Min Deposit$20,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.75%▲ 1.80% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.55% APY · checked 4 times
4.05%4.55%5.05%Sep 14, 2026: 4.55% APYSep 14, 2026Oct 2, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
48 Month Business Certificate
$0
4.55% ▲ 1.80% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.75%▲ 1.80% above avg
Details

No additional details available.

Rate History
No change since Sep 30, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Sep 30, 2026: 4.55% APYSep 30, 2026Oct 2, 2026
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
48 Month CD
$0
4.50% ▲ 1.75% above avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.75%▲ 1.75% above avg
Details

Balance: $10,000+

Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Sep 24, 2026: 4.50% APYSep 24, 2026Oct 2, 2026
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
508 State St, Fremont, MI 49412
48 Month Share Certificate
$0
4.50% ▲ 1.75% above avg
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.75%▲ 1.75% above avg
Details

No additional details available.

Rate History
No change since Sep 12, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Sep 12, 2026: 4.50% APYSep 12, 2026Oct 2, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
48 Month Share Certificate
$0
4.50% ▲ 1.75% above avg
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.75%▲ 1.75% above avg
Details

Balance: $1,000

Rate History
1 change since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 18, 2026: 4.20% APYSep 27, 2026: 4.50% APYSep 18, 2026Oct 2, 2026
  • Sep 27, 20264.50%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Jumbo Certificates - 4 years
$0
4.47% ▲ 1.72% above avg
View
▼
Rate4.38%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.75%▲ 1.72% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.12% → 4.47% ▲ 0.35 pts · high 4.47% / low 4.12%
3.62%4.30%4.97%Sep 18, 2026: 4.12% APYOct 1, 2026: 4.47% APYSep 18, 2026Oct 2, 2026
  • Oct 1, 20264.47%▲ from 4.12%
  • Sep 18, 20264.12%first recorded
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
8310 O St, Lincoln, NE 68510
48 Month Business Certificates of Deposit
$1,000
4.46% ▲ 1.71% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.75%▲ 1.71% above avg
Details

No additional details available.

Rate History
1 change since Sep 30, 2026 · 4.07% → 4.46% ▲ 0.39 pts · high 4.46% / low 4.07%
3.57%4.27%4.96%Sep 30, 2026: 4.07% APYOct 1, 2026: 4.46% APYSep 30, 2026Oct 2, 2026
  • Oct 1, 20264.46%▲ from 4.07%
  • Sep 30, 20264.07%first recorded
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1868 S 500 W, Woods Cross, UT 84010
48 Month Certificates of Deposit
$0
4.45% ▲ 1.70% above avg
View
▼
Rate4.36%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.75%▲ 1.70% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.05% → 4.45% ▲ 0.40 pts · high 4.45% / low 4.05%
3.55%4.25%4.95%Sep 18, 2026: 4.05% APYSep 27, 2026: 4.45% APYSep 18, 2026Oct 2, 2026
  • Sep 27, 20264.45%▲ from 4.05%
  • Sep 18, 20264.05%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
241 E Saginaw St, East Lansing, MI 48823
48 Month Certificate of Deposit
$0
4.45% ▲ 1.70% above avg
View
▼
Rate4.38%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.75%▲ 1.70% above avg
Details

No additional details available.

Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.45% ▲ 0.25 pts · high 4.45% / low 4.20%
3.70%4.33%4.95%Sep 18, 2026: 4.20% APYSep 24, 2026: 4.30% APYOct 2, 2026: 4.45% APYSep 18, 2026Oct 2, 2026
  • Oct 2, 20264.45%▲ from 4.30%
  • Sep 24, 20264.30%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
48 Month Share Certificates
$0
4.45% ▲ 1.70% above avg
View
▼
Rate4.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.75%▲ 1.70% above avg
Details

No additional details available.

Rate History
No change since Sep 25, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Sep 25, 2026: 4.45% APYSep 25, 2026Oct 2, 2026
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
229 Parker St, Gardner, MA 01440 3703
48 Month Term Share Certificates
$500
4.45% ▲ 1.70% above avg
View
▼
Rate4.36%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.75%▲ 1.70% above avg
Details

Balance: $500.00

Rate History
1 change since Sep 18, 2026 · 0.75% → 4.45% ▲ 3.70 pts · high 4.45% / low 0.75%
0.00%4.08%8.15%Sep 18, 2026: 0.75% APYSep 21, 2026: 4.45% APYSep 18, 2026Oct 2, 2026
  • Sep 21, 20264.45%▲ from 0.75%
  • Sep 18, 20260.75%first recorded
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
1111 Country Club Rd, Middletown, CT 06457 2389
Share & IRA CDs - 48 Months
$0
4.44% ▲ 1.69% above avg
View
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.75%▲ 1.69% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
3.68%4.31%4.94%Sep 18, 2026: 4.18% APYSep 29, 2026: 4.44% APYSep 18, 2026Oct 2, 2026
  • Sep 29, 20264.44%▲ from 4.18%
  • Sep 18, 20264.18%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
3030 S Adrian Hwy, Adrian, MI 49221
48 Month Certificate
$0
4.42% ▲ 1.67% above avg
View
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.75%▲ 1.67% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.42% ▲ 0.41 pts · high 4.42% / low 4.01%
3.51%4.22%4.92%Sep 18, 2026: 4.01% APYSep 29, 2026: 4.42% APYSep 18, 2026Oct 2, 2026
  • Sep 29, 20264.42%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
4 Year High-Yield CD
$500
4.40% ▲ 1.65% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.75%▲ 1.65% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 2, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
48 Month Certificate of Deposit
$100,000
4.40% ▲ 1.65% above avg
View
▼
Rate4.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.75%▲ 1.65% above avg
Details

Deposit Amount: $100,000 and above

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 18, 2026: 4.30% APYSep 27, 2026: 4.40% APYSep 18, 2026Oct 2, 2026
  • Sep 27, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
200 W Main St, Washington, MO 63090
48 Month CD or IRA CD
$500
4.40% ▲ 1.65% above avg
View
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.75%▲ 1.65% above avg
Details

Interest paid quarterly

Rate History
No change since Sep 8, 2026 · 4.40% APY · checked 5 times
3.90%4.40%4.90%Sep 8, 2026: 4.40% APYSep 8, 2026Oct 2, 2026
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
48 Month Simple CDs
$0
4.40% ▲ 1.65% above avg
View
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.75%▲ 1.65% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
3.40%4.15%4.90%Sep 18, 2026: 3.90% APYSep 22, 2026: 4.40% APYSep 18, 2026Oct 2, 2026
  • Sep 22, 20264.40%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
2400 N Grandview Blvd, Waukesha, WI 53188
4 Year Certificate
$0
4.40% ▲ 1.65% above avg
View
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.75%▲ 1.65% above avg
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 18, 2026: 4.40% APYSep 18, 2026Oct 2, 2026
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
48 Month Share Certificate
$500
4.40% ▲ 1.65% above avg
View
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.75%▲ 1.65% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 5 times
3.90%4.40%4.90%Sep 18, 2026: 4.40% APYSep 18, 2026Oct 2, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
48 Month Certificate
$50,000
4.39% ▲ 1.64% above avg
View
▼
Rate4.30%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.75%▲ 1.64% above avg
Details

No additional details available.

Rate History
1 change since Sep 21, 2026 · 3.76% → 4.39% ▲ 0.63 pts · high 4.39% / low 3.76%
3.13%4.07%5.02%Sep 21, 2026: 3.76% APYSep 29, 2026: 4.39% APYSep 21, 2026Oct 2, 2026
  • Sep 29, 20264.39%▲ from 3.76%
  • Sep 21, 20263.76%first recorded
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
501 Main St, Milligan, NE 68406
48 Month Certificates of Deposit
$0
4.37% ▲ 1.62% above avg
View
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.75%▲ 1.62% above avg
Details

No additional details available.

Rate History
No change since Sep 24, 2026 · 4.37% APY · checked 2 times
3.87%4.37%4.87%Sep 24, 2026: 4.37% APYSep 24, 2026Oct 2, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
48 Month Term Share (Certificate) / IRA
$0
4.36% ▲ 1.61% above avg
View
▼
Rate4.28%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.75%▲ 1.61% above avg
Details

Early Withdrawal Penalty: 300 Days

Rate History
1 change since Sep 18, 2026 · 3.96% → 4.36% ▲ 0.40 pts · high 4.36% / low 3.96%
3.46%4.16%4.86%Sep 18, 2026: 3.96% APYOct 2, 2026: 4.36% APYSep 18, 2026Oct 2, 2026
  • Oct 2, 20264.36%▲ from 3.96%
  • Sep 18, 20263.96%first recorded
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
175 Hopper Ave, De Kalb, MS 39328
48 Month Business Certificates of Deposit (CDs)
$0
4.35% ▲ 1.60% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.75%▲ 1.60% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.35% APYSep 14, 2026Oct 2, 2026
  • Sep 24, 20264.35%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
303 N Main St, Gunnison, CO 81230
4 Year Certificate
$500
4.35% ▲ 1.60% above avg
View
▼
Rate4.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.75%▲ 1.60% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.09% → 4.35% ▲ 0.26 pts · high 4.35% / low 4.09%
3.59%4.22%4.85%Sep 14, 2026: 4.09% APYSep 24, 2026: 4.35% APYSep 14, 2026Oct 2, 2026
  • Sep 24, 20264.35%▲ from 4.09%
  • Sep 14, 20264.09%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
48 Month Certificate
$25,000
4.35% ▲ 1.60% above avg
View
▼
Rate4.28%
Min Deposit$25,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.75%▲ 1.60% above avg
Details

Term: 48 Month ($25,000 or more)

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 14, 2026: 4.00% APYSep 22, 2026: 4.35% APYSep 14, 2026Oct 2, 2026
  • Sep 22, 20264.35%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Credit One Bank, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
6801 S Cimarron Rd, Las Vegas, NV 89113
48 Month High Yield Jumbo CD
$0
4.35% ▲ 1.60% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.75%▲ 1.60% above avg
Details

Loyalty Rates: 0.05%

Rate History
No change since Sep 27, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Sep 27, 2026: 4.35% APYSep 27, 2026Oct 2, 2026
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
1617 W 7th St, Fort Worth, TX 76102
48 Month Jumbo CD
$50,000
4.35% ▲ 1.60% above avg
View
▼
Rate4.27%
Min Deposit$50,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.75%▲ 1.60% above avg
Details

APY (Annual Percentage Yield) is accurate as of September 18, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.

Rate History
No change since Sep 22, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Sep 22, 2026: 4.35% APYSep 22, 2026Oct 2, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3777 West Rd, East Lansing, MI 48823 8029
4-Year Certificate or IRA-HSA Jumbo
$0
4.35% ▲ 1.60% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.75%▲ 1.60% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 18, 2026: 4.00% APYSep 25, 2026: 4.35% APYSep 18, 2026Oct 2, 2026
  • Sep 25, 20264.35%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
141 Massachusetts Ave, Arlington, MA 02474
4 Year Certificate
$0
4.35% ▲ 1.60% above avg
View
▼
Rate4.27%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.75%▲ 1.60% above avg
Details

Balance: $1,000 - $1,000

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 18, 2026: 4.15% APYSep 24, 2026: 4.35% APYSep 18, 2026Oct 2, 2026
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
4 Year Certificate Accounts
$0
4.33% ▲ 1.58% above avg
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.75%▲ 1.58% above avg
Details

Balance: $90,000+

Rate History
No change since Sep 25, 2026 · 4.33% APY
3.83%4.33%4.83%Sep 25, 2026: 4.33% APYSep 25, 2026Oct 2, 2026
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
48 Month Dream Fund CD
$100
4.32% ▲ 1.57% above avg
View
▼
Rate4.25%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.75%▲ 1.57% above avg
Details

No additional details available.

Rate History
No change since Sep 11, 2026 · 4.32% APY · checked 4 times
3.82%4.32%4.82%Sep 11, 2026: 4.32% APYSep 11, 2026Oct 2, 2026
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
315 Croghan St, Fremont, OH 43420 3013
48 Month Regular/IRA Share Certificate
$0
4.31% ▲ 1.56% above avg
View
▼
Rate4.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.75%▲ 1.56% above avg
Details

Dividends Compound & Paid: Daily

Rate History
No change since Sep 25, 2026 · 4.31% APY
3.81%4.31%4.81%Sep 25, 2026: 4.31% APYSep 25, 2026Oct 2, 2026
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
48 Month Certificates of Deposit Accounts
$0
4.31% ▲ 1.56% above avg
View
▼
Rate4.24%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.75%▲ 1.56% above avg
Details

No additional details available.

Rate History
2 changes since Sep 18, 2026 · 3.45% → 4.31% ▲ 0.86 pts · high 4.31% / low 3.45%
2.59%3.88%5.17%Sep 18, 2026: 3.45% APYSep 22, 2026: 3.66% APYSep 27, 2026: 4.31% APYSep 18, 2026Oct 2, 2026
  • Sep 27, 20264.31%▲ from 3.66%
  • Sep 22, 20263.66%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
815 N Freedom Blvd, Provo, UT 84604 3315
48 Month Term Share Certificate
$1,000
4.25% ▲ 1.50% above avg
View
▼
Rate4.18%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.75%▲ 1.50% above avg
Details

Minimum: $1,000 required to open regular and IRA certificate accounts. $500 required to open youth certificate accounts.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 26, 2026: 4.25% APYSep 18, 2026Oct 2, 2026
  • Sep 26, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
American First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
4180 N Harbor Blvd Ste A, Fullerton, CA 92835 1015
48 Month Promo Certificate
$1,000
4.25% ▲ 1.50% above avg
View
▼
Rate4.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.75%▲ 1.50% above avg
Details

Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution.

Rate History
No change since Sep 22, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 22, 2026: 4.25% APYSep 22, 2026Oct 2, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3730 N Stone Ave, tucson, AZ 85705 3204
48 Month Term Share Certificate
$0
4.25% ▲ 1.50% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.75%▲ 1.50% above avg
Details

Checking Relationship APY

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 2, 2026
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1316 Wilson Rd, Knoxville, TN 37912
48 Month CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS
$0
4.15% ▲ 1.40% above avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.75%▲ 1.40% above avg
Details

Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Sep 18, 2026: 3.90% APYSep 27, 2026: 4.15% APYSep 18, 2026Oct 2, 2026
  • Sep 27, 20264.15%▲ from 3.90%
  • Sep 18, 20263.90%first recorded

60 Month CD Rates

MonitorBankRates National Average · 60 Month CD2.84% APYUnchanged from last week
View 60-month CD rate trend

The national average 60-month CD rate is 2.84% APY as of October 2, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
510 S Dexter St, Ionia, MI 48846
Minor CD Special - 60 months
$100
5.12% ▲ 2.28% above avg
View
▼
Rate5.00%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.84%▲ 2.28% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 5.12% APY · checked 3 times
4.62%5.12%5.62%Sep 14, 2026: 5.12% APYSep 14, 2026Oct 2, 2026
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
201 S Main St Fl 5, Salt Lake City, UT 84111
60 Month Certificate of Deposit
$0
5.10% ▲ 2.26% above avg
View
▼
Rate5.10%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.84%▲ 2.26% above avg
Details

No additional details available.

Rate History
No change since Sep 30, 2026 · 5.10% APY · checked 2 times
4.60%5.10%5.60%Sep 30, 2026: 5.10% APYSep 30, 2026Oct 2, 2026
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
IRA 60 MONTH
$0
5.06% ▲ 2.22% above avg
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.84%▲ 2.22% above avg
Details

No additional details available.

Rate History
4 changes since Sep 8, 2026 · 4.35% → 5.06% ▲ 0.71 pts · high 5.06% / low 4.35%
3.64%4.71%5.77%Sep 8, 2026: 4.35% APYSep 18, 2026: 4.65% APYSep 24, 2026: 4.76% APYSep 27, 2026: 4.86% APYOct 2, 2026: 5.06% APYSep 8, 2026Oct 2, 2026
  • Oct 2, 20265.06%▲ from 4.86%
  • Sep 27, 20264.86%▲ from 4.76%
  • Sep 24, 20264.76%▲ from 4.65%
  • Sep 18, 20264.65%▲ from 4.35%
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
5 Year FDIC-Insured Certificate of Deposit
$0
5.05% ▲ 2.21% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.84%▲ 2.21% above avg
Details

No additional details available.

Rate History
1 change since Sep 24, 2026 · 4.90% → 5.05% ▲ 0.15 pts · high 5.05% / low 4.90%
4.40%4.98%5.55%Sep 24, 2026: 4.90% APYSep 27, 2026: 5.05% APYSep 24, 2026Oct 2, 2026
  • Sep 27, 20265.05%▲ from 4.90%
  • Sep 24, 20264.90%first recorded
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
Certificates of Deposit (CDs) - 60 Months
$2,000
5.00% ▲ 2.16% above avg
View
▼
Rate4.88%
Min Deposit$2,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.84%▲ 2.16% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.95% → 5.00% ▲ 0.05 pts · high 5.00% / low 4.95%
4.45%4.98%5.50%Sep 18, 2026: 4.95% APYSep 27, 2026: 5.00% APYSep 18, 2026Oct 2, 2026
  • Sep 27, 20265.00%▲ from 4.95%
  • Sep 18, 20264.95%first recorded
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
417 High St, Frankfort, KY 40601
60 Month Certificates
$0
5.00% ▲ 2.16% above avg
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.84%▲ 2.16% above avg
Details

Annual Percentage Yield. Dividend Rates are subject to change without notice. Dividends are paid and compounded Monthly. Substantial Penalties apply for early withdrawal. Annual Percentage Yield assuming dividends are reinvested.

Rate History
1 change since Sep 30, 2026 · 3.80% → 5.00% ▲ 1.20 pts · high 5.00% / low 3.80%
2.60%4.40%6.20%Sep 30, 2026: 3.80% APYOct 1, 2026: 5.00% APYSep 30, 2026Oct 2, 2026
  • Oct 1, 20265.00%▲ from 3.80%
  • Sep 30, 20263.80%first recorded
Brightstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
3400 N University Dr, Hollywood, FL 33024 2242
5-Year Certificate
$500
5.00% ▲ 2.16% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.84%▲ 2.16% above avg
Details

Platinum Star Member tier

Rate History
No change since Oct 1, 2026 · 5.00% APY
4.50%5.00%5.50%Oct 1, 2026: 5.00% APYOct 1, 2026Oct 2, 2026
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
4164 Virginia Beach Blvd, Virginia Beach, VA 23452
60 Month Youth Share Certificate Rate
$50
5.00% ▲ 2.16% above avg
View
▼
Rate4.91%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.84%▲ 2.16% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 2, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
60 Month CD
$0
4.95% ▲ 2.11% above avg
View
▼
Rate4.83%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.84%▲ 2.11% above avg
Details

No additional details available.

Rate History
1 change since Sep 24, 2026 · 4.50% → 4.95% ▲ 0.45 pts · high 4.95% / low 4.50%
4.00%4.73%5.45%Sep 24, 2026: 4.50% APYOct 1, 2026: 4.95% APYSep 24, 2026Oct 2, 2026
  • Oct 1, 20264.95%▲ from 4.50%
  • Sep 24, 20264.50%first recorded
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2485 Village View Dr, Henderson, NV 89074
60 Month Certificates of Deposit
$0
4.89% ▲ 2.05% above avg
View
▼
Rate4.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.84%▲ 2.05% above avg
Details

No additional details available.

Rate History
No change since Sep 24, 2026 · 4.89% APY · checked 2 times
4.39%4.89%5.39%Sep 24, 2026: 4.89% APYSep 24, 2026Oct 2, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Jumbo Certificates - 5 years
$0
4.87% ▲ 2.03% above avg
View
▼
Rate4.76%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.84%▲ 2.03% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.49% → 4.87% ▲ 0.38 pts · high 4.87% / low 4.49%
3.99%4.68%5.37%Sep 18, 2026: 4.49% APYOct 1, 2026: 4.87% APYSep 18, 2026Oct 2, 2026
  • Oct 1, 20264.87%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
5 Year Certificates of Deposit (CDs)
$1,000
4.79% ▲ 1.95% above avg
View
▼
Rate4.74%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.84%▲ 1.95% above avg
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 4.48% → 4.79% ▲ 0.31 pts · high 4.79% / low 4.48%
3.98%4.64%5.29%Sep 14, 2026: 4.48% APYSep 24, 2026: 4.79% APYSep 14, 2026Oct 2, 2026
  • Sep 24, 20264.79%▲ from 4.48%
  • Sep 14, 20264.48%first recorded
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
1055 S Congress Ave, West Palm Beach, FL 33406 5195
Jumbo 60 Month Certificates
$0
4.75% ▲ 1.91% above avg
View
▼
Rate4.67%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.84%▲ 1.91% above avg
Details

Early Withdrawal Penalty: 180 days interest

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.75% APYSep 18, 2026Oct 2, 2026
  • Oct 1, 20264.75%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
519 Main St, Kewaunee, WI 54216
Relationship CD - 60 Month
$0
4.75% ▲ 1.91% above avg
View
▼
Rate4.67%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.84%▲ 1.91% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Sep 14, 2026: 4.35% APYSep 24, 2026: 4.75% APYSep 14, 2026Oct 2, 2026
  • Sep 24, 20264.75%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
310 Caldwell St, Chillicothe, OH 45601
60 Month Print Share and IRA Jumbo Certificates
$0
4.65% ▲ 1.81% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.84%▲ 1.81% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.14% → 4.65% ▲ 0.51 pts · high 4.65% / low 4.14%
3.63%4.40%5.16%Sep 14, 2026: 4.14% APYSep 22, 2026: 4.65% APYSep 14, 2026Oct 2, 2026
  • Sep 22, 20264.65%▲ from 4.14%
  • Sep 14, 20264.14%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
423 433 Reuter Boulevard, Towanda, PA 18848
60 Month Certificates of Deposit
$0
4.63% ▲ 1.79% above avg
View
▼
Rate4.55%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.84%▲ 1.79% above avg
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.42% → 4.63% ▲ 0.21 pts · high 4.63% / low 4.42%
3.92%4.53%5.13%Sep 18, 2026: 4.42% APYOct 2, 2026: 4.63% APYSep 18, 2026Oct 2, 2026
  • Oct 2, 20264.63%▲ from 4.42%
  • Sep 18, 20264.42%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
5 year Mini-Jumbo IRA Share Certificate
$20,000
4.60% ▲ 1.76% above avg
View
▼
Rate4.50%
Min Deposit$20,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.84%▲ 1.76% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.60% APY · checked 4 times
4.10%4.60%5.10%Sep 14, 2026: 4.60% APYSep 14, 2026Oct 2, 2026
1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
1000 W Wisconsin St, Sparta, WI 54656 2230
60-MONTH YOUTH CERTIFICATE SPECIAL
$500
4.60% ▲ 1.76% above avg
View
▼
Rate4.50%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.84%▲ 1.76% above avg
Details

FOR AGES 0-12 YEARS OLD; Minimum deposit of $500, Maximum $10,000. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. A penalty may be imposed for withdrawals before maturity. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Youth members may have one of each Youth Certificate type. Teen members may have one Teen Certificate and one of each Youth Certificate type. Certificates are subject to age restrictions. Cannot be opened as UTMA account. Certificate must be in the minor's name. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA.

Rate History
No change since Sep 14, 2026 · 4.60% APY · checked 5 times
4.10%4.60%5.10%Sep 14, 2026: 4.60% APYSep 14, 2026Oct 2, 2026
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
3988 West Delphi Road, Sweetser, IN 46987
60 Month Certificate of Deposit
$1,000
4.58% ▲ 1.74% above avg
View
▼
Rate4.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.84%▲ 1.74% above avg
Details

No additional details available.

Rate History
1 change since Sep 11, 2026 · 3.55% → 4.58% ▲ 1.03 pts · high 4.58% / low 3.55%
2.52%4.06%5.61%Sep 11, 2026: 3.55% APYSep 24, 2026: 4.58% APYSep 11, 2026Oct 2, 2026
  • Sep 24, 20264.58%▲ from 3.55%
  • Sep 11, 20263.55%first recorded
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
104 S Cascade Ave, Colorado Springs, CO 80903
60 Month Variable IRA
$250
4.57% ▲ 1.73% above avg
View
▼
Rate4.47%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.84%▲ 1.73% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.57% APY · checked 3 times
4.07%4.57%5.07%Sep 14, 2026: 4.57% APYSep 14, 2026Oct 2, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
5 Year Certificate of Deposit
$1,000
4.55% ▲ 1.71% above avg
View
▼
Rate4.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.84%▲ 1.71% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
2.95%4.15%5.35%Sep 14, 2026: 3.75% APYSep 28, 2026: 4.55% APYSep 14, 2026Oct 2, 2026
  • Sep 28, 20264.55%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
15750 W Dodge Rd, Omaha, NE 68118
60 Month CD
$500
4.55% ▲ 1.71% above avg
View
▼
Rate4.47%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.84%▲ 1.71% above avg
Details

No additional details available.

Rate History
No change since Sep 20, 2026 · 4.55% APY · checked 3 times
4.05%4.55%5.05%Sep 20, 2026: 4.55% APYSep 20, 2026Oct 2, 2026
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
17273 State Route 104, Chillicothe, OH 45601 9718
60 Month Certificate of Deposit
$500
4.55% ▲ 1.71% above avg
View
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.84%▲ 1.71% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.55% ▲ 0.90 pts · high 4.55% / low 3.65%
2.75%4.10%5.45%Sep 14, 2026: 3.65% APYSep 25, 2026: 4.55% APYSep 14, 2026Oct 2, 2026
  • Sep 25, 20264.55%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
8395 W Sunset Rd, Las Vegas, NV 89113
60 Month IRA Term Certificate
$0
4.55% ▲ 1.71% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.84%▲ 1.71% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.55% APY · checked 5 times
4.05%4.55%5.05%Sep 14, 2026: 4.55% APYSep 14, 2026Oct 2, 2026
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
1020 S Brawley Ave, Brawley, CA 92227
60 Month Jumbo Certificate
$100,000
4.55% ▲ 1.71% above avg
View
▼
Rate4.46%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.84%▲ 1.71% above avg
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 4.55% APY · checked 4 times
4.05%4.55%5.05%Sep 18, 2026: 4.55% APYSep 18, 2026Oct 2, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
60 Month Share Certificate
$0
4.55% ▲ 1.71% above avg
View
▼
Rate4.46%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.84%▲ 1.71% above avg
Details

Balance: $1,000

Rate History
1 change since Sep 18, 2026 · 4.28% → 4.55% ▲ 0.27 pts · high 4.55% / low 4.28%
3.78%4.42%5.05%Sep 18, 2026: 4.28% APYSep 27, 2026: 4.55% APYSep 18, 2026Oct 2, 2026
  • Sep 27, 20264.55%▲ from 4.28%
  • Sep 18, 20264.28%first recorded
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
60 mo Certificate of Deposit
$500
4.54% ▲ 1.70% above avg
View
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.84%▲ 1.70% above avg
Details

Interest Will Be Credited: Monthly; Opening Balance: $10,000 or above

Rate History
No change since Sep 14, 2026 · 4.54% APY · checked 3 times
4.04%4.54%5.04%Sep 14, 2026: 4.54% APYSep 14, 2026Oct 2, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
60 Months Jumbo IRA
$100,000
4.54% ▲ 1.70% above avg
View
▼
Rate4.45%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.84%▲ 1.70% above avg
Details

Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.

Rate History
1 change since Sep 14, 2026 · 4.45% → 4.54% ▲ 0.09 pts · high 4.54% / low 4.45%
3.95%4.50%5.04%Sep 14, 2026: 4.45% APYSep 27, 2026: 4.54% APYSep 14, 2026Oct 2, 2026
  • Sep 27, 20264.54%▲ from 4.45%
  • Sep 14, 20264.45%first recorded
Library Of Congress Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
101 Independence Ave SE Rm 634, Washington, DC 20540 0002
60 Month Traditional, Roth, SEP & Education IRA Certificate
$0
4.52% ▲ 1.68% above avg
View
▼
Rate4.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.84%▲ 1.68% above avg
Details

No additional details available.

Rate History
1 change since Sep 16, 2026 · 3.96% → 4.52% ▲ 0.56 pts · high 4.52% / low 3.96%
3.40%4.24%5.08%Sep 16, 2026: 3.96% APYSep 25, 2026: 4.52% APYSep 16, 2026Oct 2, 2026
  • Sep 25, 20264.52%▲ from 3.96%
  • Sep 16, 20263.96%first recorded
TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
33485 Lexington Ave, De Soto, KS 66018
60 Month Certificate
$1,000
4.50% ▲ 1.66% above avg
View
▼
Rate4.43%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
MBR National Avg2.84%▲ 1.66% above avg
Details

Compounded: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
2.50%4.00%5.50%Sep 14, 2026: 3.50% APYSep 24, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
  • Sep 24, 20264.50%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Bank Five Nine
Institution Rating:
A-4.9 ★Texas Ratio: 16.81%
155 W Wisconsin Ave, Oconomowoc, WI 53066
60 Month CD / IRA
$1,000
4.50% ▲ 1.66% above avg
View
▼
Rate4.43%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.84%▲ 1.66% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 2.50% → 4.50% ▲ 2.00 pts · high 4.50% / low 2.50%
0.50%3.50%6.50%Sep 14, 2026: 2.50% APYOct 2, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
  • Oct 2, 20264.50%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
60-month online CD
$25,000
4.50% ▲ 1.66% above avg
View
▼
Rate4.40%
Min Deposit$25,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.84%▲ 1.66% above avg
Details

Online-only high-yield rates.

Rate History
1 change since Sep 18, 2026 · 3.76% → 4.50% ▲ 0.74 pts · high 4.50% / low 3.76%
3.02%4.13%5.24%Sep 18, 2026: 3.76% APYOct 2, 2026: 4.50% APYSep 18, 2026Oct 2, 2026
  • Oct 2, 20264.50%▲ from 3.76%
  • Sep 18, 20263.76%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
7007 Broadway Ave, Cleveland, OH 44105
60 Month Bonus CD
$0
4.50% ▲ 1.66% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.84%▲ 1.66% above avg
Details

Minimum to Obtain: $500

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 2, 2026
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
175 Hopper Ave, De Kalb, MS 39328
60 Month Business Certificates of Deposit (CDs)
$0
4.50% ▲ 1.66% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.84%▲ 1.66% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 14, 2026: 4.20% APYSep 24, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
  • Sep 24, 20264.50%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
60-Month Certificate
$250
4.50% ▲ 1.66% above avg
View
▼
Rate4.41%
Min Deposit$250
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.84%▲ 1.66% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
  • Oct 1, 20264.50%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2514 Via Tejon, Palos Verdes Peninsula, CA 90274
5 Year Online CD
$25,000
4.50% ▲ 1.66% above avg
View
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.84%▲ 1.66% above avg
Details

Compounded Daily (3); Penalty

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
3.60%4.30%5.00%Sep 14, 2026: 4.10% APYSep 28, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
  • Sep 28, 20264.50%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
60 Month CD
$0
4.50% ▲ 1.66% above avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.84%▲ 1.66% above avg
Details

Balance: $10,000+

Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Sep 24, 2026: 4.50% APYSep 24, 2026Oct 2, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
241 E Saginaw St, East Lansing, MI 48823
60 Month Certificate of Deposit
$0
4.50% ▲ 1.66% above avg
View
▼
Rate4.43%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.84%▲ 1.66% above avg
Details

No additional details available.

Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 18, 2026: 4.20% APYSep 24, 2026: 4.30% APYOct 2, 2026: 4.50% APYSep 18, 2026Oct 2, 2026
  • Oct 2, 20264.50%▲ from 4.30%
  • Sep 24, 20264.30%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
300 W Vine St, Lexington, KY 40507
5 Year Certificate
$500
4.50% ▲ 1.66% above avg
View
▼
Rate4.40%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.84%▲ 1.66% above avg
Details

Certificate of Deposit

Rate History
1 change since Sep 18, 2026 · 2.25% → 4.50% ▲ 2.25 pts · high 4.50% / low 2.25%
0.00%3.38%6.75%Sep 18, 2026: 2.25% APYSep 24, 2026: 4.50% APYSep 18, 2026Oct 2, 2026
  • Sep 24, 20264.50%▲ from 2.25%
  • Sep 18, 20262.25%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
2115 N Broadway, Santa Ana, CA 92706
60 Month Deferred Compensation Certificates
$50
4.50% ▲ 1.66% above avg
View
▼
Rate4.40%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.84%▲ 1.66% above avg
Details

payroll deposit only

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 18, 2026: 4.30% APYSep 29, 2026: 4.50% APYSep 18, 2026Oct 2, 2026
  • Sep 29, 20264.50%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
175 W Lafayette Frontage Rd, Saint Paul, MN 55107 1420
BASIC CERTIFICATES - 60 month
$0
4.50% ▲ 1.66% above avg
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.84%▲ 1.66% above avg
Details

Available as an IRA

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYSep 25, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
  • Sep 25, 20264.50%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Texas Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
12611 Fuqua St, Houston, TX 77034
Callable CD 60 Months
$0
4.50% ▲ 1.66% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.84%▲ 1.66% above avg
Details

No additional details available.

Rate History
No change since Sep 22, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Sep 22, 2026: 4.50% APYSep 22, 2026Oct 2, 2026
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
508 State St, Fremont, MI 49412
60 Month Share Certificate
$0
4.50% ▲ 1.66% above avg
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.84%▲ 1.66% above avg
Details

No additional details available.

Rate History
No change since Sep 12, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Sep 12, 2026: 4.50% APYSep 12, 2026Oct 2, 2026
ORNL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
60-Month IRA PROMOTIONAL
$500
4.50% ▲ 1.66% above avg
View
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.84%▲ 1.66% above avg
Details

See Disclosure section below for details.

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYSep 27, 2026: 4.50% APYSep 14, 2026Oct 2, 2026
  • Sep 27, 20264.50%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
1111 Country Club Rd, Middletown, CT 06457 2389
Share & IRA CDs - 60 Months
$0
4.49% ▲ 1.65% above avg
View
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.84%▲ 1.65% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.34% → 4.49% ▲ 0.15 pts · high 4.49% / low 4.34%
3.84%4.41%4.99%Sep 18, 2026: 4.34% APYSep 29, 2026: 4.49% APYSep 18, 2026Oct 2, 2026
  • Sep 29, 20264.49%▲ from 4.34%
  • Sep 18, 20264.34%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
3030 S Adrian Hwy, Adrian, MI 49221
60 Month Certificate
$0
4.47% ▲ 1.63% above avg
View
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.84%▲ 1.63% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.11% → 4.47% ▲ 0.36 pts · high 4.47% / low 4.11%
3.61%4.29%4.97%Sep 18, 2026: 4.11% APYSep 29, 2026: 4.47% APYSep 18, 2026Oct 2, 2026
  • Sep 29, 20264.47%▲ from 4.11%
  • Sep 18, 20264.11%first recorded
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
1610 Janesville Ave, Fort Atkinson, WI 53538
60 Month Certificates
$0
4.47% ▲ 1.63% above avg
View
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.84%▲ 1.63% above avg
Details

No additional details available.

Rate History
No change since Sep 22, 2026 · 4.47% APY · checked 4 times
3.97%4.47%4.97%Sep 22, 2026: 4.47% APYSep 22, 2026Oct 2, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
60 Month Jumbo Share Certificates (CDs)
$1,000
4.47% ▲ 1.63% above avg
View
▼
Rate4.37%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.84%▲ 1.63% above avg
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 4.47% APY · checked 3 times
3.97%4.47%4.97%Sep 18, 2026: 4.47% APYSep 18, 2026Oct 2, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
60 Month Certificate
$50,000
4.44% ▲ 1.60% above avg
View
▼
Rate4.35%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.84%▲ 1.60% above avg
Details

No additional details available.

Rate History
1 change since Sep 21, 2026 · 3.61% → 4.44% ▲ 0.83 pts · high 4.44% / low 3.61%
2.78%4.03%5.27%Sep 21, 2026: 3.61% APYSep 29, 2026: 4.44% APYSep 21, 2026Oct 2, 2026
  • Sep 29, 20264.44%▲ from 3.61%
  • Sep 21, 20263.61%first recorded
Hometown Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 32.17%
18 MAIN AVE S, KULM, ND 58456
60 Month Certificate
$1,000
4.43% ▲ 1.59% above avg
View
▼
Rate4.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 29, 2026
MBR National Avg2.84%▲ 1.59% above avg
Details

SPECIAL; Early Withdrawal Penalty: 365 days dividends

Rate History
No change since Sep 14, 2026 · 4.43% APY · checked 3 times
3.93%4.43%4.93%Sep 14, 2026: 4.43% APYSep 14, 2026Oct 2, 2026
City State Bank Norwalk, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
801 Main St, Norwalk, IA 50211
60 Month Relationship CD
$500
4.40% ▲ 1.56% above avg
View
▼
Rate4.36%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
MBR National Avg2.84%▲ 1.56% above avg
Details

Must have a loan, deposit, or trust and investment account with City State Bank.

Rate History
No change since Sep 28, 2026 · 4.40% APY
3.90%4.40%4.90%Sep 28, 2026: 4.40% APYSep 28, 2026Oct 2, 2026
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
141 Massachusetts Ave, Arlington, MA 02474
5 Year Certificate
$0
4.35% ▲ 1.51% above avg
View
▼
Rate4.27%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.84%▲ 1.51% above avg
Details

Balance: $1,000 - $1,000

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 18, 2026: 4.15% APYSep 24, 2026: 4.35% APYSep 18, 2026Oct 2, 2026
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
815 N Freedom Blvd, Provo, UT 84604 3315
60 Month Term Share Certificate
$1,000
4.25% ▲ 1.41% above avg
View
▼
Rate4.18%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 1, 2026
MBR National Avg2.84%▲ 1.41% above avg
Details

Minimum: $1,000 required to open regular and IRA certificate accounts. $500 required to open youth certificate accounts.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 26, 2026: 4.25% APYSep 18, 2026Oct 2, 2026
  • Sep 26, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3730 N Stone Ave, tucson, AZ 85705 3204
60 Month Term Share Certificate
$0
4.25% ▲ 1.41% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
MBR National Avg2.84%▲ 1.41% above avg
Details

Checking Relationship APY

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 2, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

National CD Rate Trends

Weekly national average APYs across all 8 CD terms, compiled from 8,500+ banks & credit unions, updated nightly.

View Full CD Trends
12-Month CD, National Avg
2.939%
▲ 0.003 from last week

National 12-month CD rates rose 0.003 points this week to 2.939%, up from 2.937% last week.

6-Month CD, National Avg
2.763%
▲ 0.001 from last week

National 6-month CD rates rose 0.001 points this week to 2.763%, up from 2.762% last week.

CD Rate Averages by Term

National average CD rates as of October 2, 2026, compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Average APY by CD term, with the change from the prior week.
CD Term National Average APY Weekly Change 26-Week Trend
3-Month CD 2.07% ▼ 0.01%
6-Month CD 2.76% Unchanged
12-Month CD 2.94% Unchanged
18-Month CD 2.82% ▲ 0.01%
24-Month CD 2.83% Unchanged
36-Month CD 2.76% Unchanged
48-Month CD 2.75% Unchanged
60-Month CD 2.84% Unchanged

CD Rate Trends

Daily average APYs across all CD terms. Hover over the chart to see exact rates for each day.

As of Oct 2, 2026 • Source: MonitorBankRates • 8,500+ U.S. banks & credit unions

Top National 12-Month CD Rates, Banks vs. Credit Unions

Highest verified 12-month APYs available nationwide today, updated October 1, 2026. Use the term tabs above for all other terms.

B Top 5 Bank Rates
FIRST EAGLE
1 Year Certificate
A+ 5.0 ★ TX: 3.56%
Min: $0
5.00%
GLASS CITY
12 Month Youth CD
A+ 5.0 ★ TX: 1.32%
Min: $100
5.00%
United Midwest Savings Bank
12-Month CD
A+ 5.0 ★ TX: 5.60%
Min: $500
4.75%
PSB of Plainview
12 Month Certificate
A- 4.7 ★ TX: 9.93%
Min: $0
4.63%
Dakota Community Bank & Trust
12 MONTH CD
A+ 5.0 ★ TX: 0.58%
Min: $0
4.60%
CU Top 5 Credit Union Rates
Southeast Missouri Community Credit Union
12 month Youth
A+ 5.0 ★ TX: 1.03%
Min: $0
6.14%
Vacationland Federal Credit Union
12 Month Youth Certificates
A+ 5.0 ★ TX: 4.80%
Min: $500
6.03%
Congressional Federal Credit Union
Flexible Saver - 1 Year Certificate
A 5.0 ★ TX: 8.63%
Min: $100
6.00%
CO-OP Credit Union
12 Month Youth Saver Certificate
A+ 5.0 ★ TX: 5.54%
Min: $0
6.00%
Schools Federal Credit Union
12 Month Relationship Certificate
A+ 5.0 ★ TX: 1.87%
Min: $500
5.90%
Rates verified October 1, 2026. Click an institution name to view its full profile, safety ratings, and all CD products.
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What Your Savings Earn at National CD Rates Today

Annual interest earnings at today’s national average APYs, compiled from 8,500+ banks and credit unions.

CD Term National Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.071% $103.55 $207.10 $517.75 $1,035.50
6-Month CD 2.763% $138.16 $276.31 $690.78 $1,381.55
12-Month CD 2.939% $146.97 $293.94 $734.85 $1,469.70
18-Month CD 2.817% $140.86 $281.71 $704.28 $1,408.55
24-Month CD 2.833% $141.65 $283.30 $708.25 $1,416.50
36-Month CD 2.757% $137.85 $275.69 $689.23 $1,378.45
48-Month CD 2.750% $137.48 $274.97 $687.43 $1,374.85
60-Month CD 2.842% $142.09 $284.18 $710.45 $1,420.90
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Top offers in the tables above pay well over these averages. Rates as of October 1, 2026.
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Sample CD Ladder at Today’s National Averages

$25,000 split equally across 5 terms using today’s national average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit National Avg APY Annual Earnings
1 3-Month CD $5,000 2.071% $103.55
2 6-Month CD $5,000 2.763% $138.16
3 12-Month CD $5,000 2.939% $146.97
4 24-Month CD $5,000 2.833% $141.65
5 36-Month CD $5,000 2.757% $137.85
Total ($25,000 invested) $25,000 2.673% blended $668.18/yr

Ladder example uses equal $5,000 rungs and national average APYs. Actual earnings depend on the specific institution and product chosen. The top offers above pay well over the averages. Use the calculator below to model your exact deposit amounts.

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8,500+
Banks & Credit Unions Monitored Nationwide
Thousands of Rates Tracked All 50 States • Updated Daily

About Our National CD Rate Database

MonitorBankRates monitors CD rates from 8,500+ banks and credit unions across all 50 states, spanning all eight major terms from 3 months to 60 months. The tables above surface the highest-yield offers available nationwide today from the thousands of verified rates in our database, and the state and minimum-deposit filters let you narrow the full database to offers available where you live. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top 12-month rate: Southeast Missouri Community Credit Union offers a 12-month CD at 6.14% APY. Use the term tabs above to compare all current national offers.

How to Find the Best CD Rates

What to compare when shopping for a certificate of deposit

To find the best CD APYs, start with credit unions and online-only banks. They consistently offer the highest yields because they have lower overhead than traditional brick-and-mortar banks and compete aggressively for deposits. Use the state filter in the tables above to see how local institutions stack up against the national leaders.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn. The current national average 12-month CD APY is 2.939% , but top institutions are offering as high as 6.14%, so shopping around pays off.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You’re building a CD ladder for predictable income with regular access to a portion of your savings

Consider an Alternative If…

  • You may need the funds within 30 days. Compare savings rates instead
  • Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
  • You want check-writing access. Compare money market rates

U.S. Saver Snapshot

National demographics and economic context for CD savers, Source: U.S. Census Bureau

Population 65+
17.3%
U.S. average
Median Individual Earnings
$47,340
U.S. average
Poverty Rate
11.1%
U.S. average
Unemployment Rate
4.8%
U.S. average
CD Earnings on 10% of Salary
$139/yr
At national 12-mo avg 2.939% APY

At today’s national 12-month CD average of 2.939%, saving 10% of the U.S. median salary ($4,734/year) and putting it in a CD would earn an additional $139 annually in guaranteed interest, and the top national offers above pay even more.

Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.

CD Rates vs. Other Savings Options

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90–180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

Compare live rates: savings rates · money market rates

CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current top national rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures
—

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.

Top National CD Rates by Term

Verified October 1, 2026. Click a rate to use its term and APY
Highest verified national APY per term. See the term tabs above for all offers, or use the state filter to find rates near you.

Frequently Asked Questions about CD Rates

What is a Certificate of Deposit (CD)?

A Certificate of Deposit (CD) is a savings account that holds a fixed amount of money for a fixed period of time, such as six months, one year, or five years, in exchange for a higher interest rate.

Are CD rates higher than regular savings accounts?

Generally, yes. Because you agree to leave your money in the bank for a set period, banks and credit unions typically offer higher interest rates on CDs compared to standard savings accounts.

Is my money safe in a CD?

Yes. CDs purchased from FDIC-insured banks are insured up to $250,000 per depositor, per institution. CDs at NCUA-insured credit unions carry equivalent protection.

What happens if I withdraw money from a CD early?

If you withdraw funds before the CD's maturity date, you will typically face an early withdrawal penalty, which is often several months of interest depending on the term.

What is APY and how does it differ from the interest rate?

APY (Annual Percentage Yield) reflects the total amount of interest earned in a year, taking compounding into account. The interest rate is the base rate before compounding. APY is always the best number to compare across institutions.

What CD term should I choose?

The right term depends on when you need the money. Short-term CDs (3–6 months) offer flexibility; long-term CDs (3–5 years) often offer higher yields but lock up your funds longer. CD laddering, spreading deposits across multiple terms, is a popular strategy.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates (e.g., 6-month, 1-year, 2-year). As each CD matures, you renew it at the longest term, giving you regular access to a portion of your funds while maximizing yields.

Can I add money to a CD after opening it?

Traditional CDs do not allow additional deposits after the initial opening. However, some institutions offer 'add-on CDs' that permit additional contributions during the term.

CD Calculators

CD Calculator
CD Ladder Calculator
Withdrawal Penalty
CD vs. HYSA

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our nationwide CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields across the country. We feature a comprehensive mix of financial institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly based on Federal Reserve policy and market conditions, every CD product listed features its own specific “last updated” date for full transparency.

Proprietary Institution Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you deposit with secure, reliable institutions.

Disclaimer: Interest rates are variable and subject to change without notice. It is always advisable to verify current offers directly with the institution’s official website. Last Updated and Verified: October 1, 2026

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