Best 3-Month CD Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Finance Calculators
3-month CD rates range from 3.65% to 4.58% APY, verified by MonitorBankRates as of October 12, 2026. Top 3-month CD rates currently available include Austin Capital BankAustin Capital Bank3305 Steck Ave Ste 275, Austin, TX 78757A+5.0 ★Texas Ratio: 2.96%Real return: +1.78%APY minus CPI (February 2026) offering 3 Month CD at 4.58% APY, and Auburn University Credit UnionAuburn University Credit Union1290 S Donahue Dr, Auburn, AL 36832 6330A+5.0 ★Texas Ratio: 3.49%Real return: +1.71%APY minus CPI (February 2026) offering 90 Day Share Certificate at 4.51% APY, and AmeriCU Credit UnionAmeriCU Credit Union1916 Black River Blvd N, Rome, NY 13440 2430A-5.0 ★Texas Ratio: 14.76%Real return: +1.70%APY minus CPI (February 2026) offering 3 Month Share Certificates at 4.50% APY, and De Witt Savings BankDe Witt Savings Bank302 W Main St, Clinton, IL 61727A5.0 ★Texas Ratio: 6.29%Real return: +1.68%APY minus CPI (February 2026) offering 3 Month Certificate at 4.48% APY. CD rates as of October 12, 2026 according to verified data from MonitorBankRates.
A 1-year CD is often considered the sweet spot for savers. It offers a higher yield than a standard savings account while keeping your money committed for just one year, ideal for building a CD ladder or parking funds you won’t need in the near term. We display Safety Grades, Star Ratings, and Texas Ratios so you can choose institutions with confidence.
The APYs displayed reflect actual verified offers. Rates are subject to change at the institution’s discretion without notice. A substantial penalty may be imposed for early withdrawal. 3-Month CD Rates Last Updated and Verified: October 12, 2026
Compare the Best 3-Month CD Rates Nationwide
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
- Oct 7, 20264.58%▲ from 4.32%
- Sep 14, 20264.32%first recorded
No additional details available.
- Oct 10, 20264.51%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Annual Percentage Yields (APYs) current as of 9th October 2026 and are subject to change without notice. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA.
- Oct 10, 20264.50%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Early Withdrawal Penalty: 1 Month Interest
- Oct 7, 20264.48%▲ from 3.53%
- Sep 14, 20263.53%first recorded
Balance: $300,000.00 and greater
No additional details available.
No additional details available.
- Oct 6, 20264.35%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Max: $6,000,000
No additional details available.
Balance: $1,000,000.00+
No additional details available.
- 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
Term: 3 Months with Epic Premium Checking; Epic Premium Checking relationship rate
- Oct 4, 20264.25%▲ from 4.00%
- Sep 25, 20264.00%first recorded
Rates effective as of 9/22/26 and are subject to change without notice. Minimum opening deposit of $1,000. The Annual Percentage Yield (APY) is based on monthly compounding with funds held to maturity. $10 minimum daily balance required to earn APY. Additional deposits are not permitted. Substantial penalties for early withdrawal may be imposed. Withdrawals and penalties may reduce earnings. For more information, please refer to our disclosures.
No additional details available.
- Sep 27, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
No additional details available.
- Sep 21, 20264.23%▲ from 3.97%
- Sep 14, 20263.97%first recorded
No additional details available.
No additional details available.
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.
No additional details available.
- Oct 3, 20264.15%▼ from 4.20%
- Sep 27, 20264.20%▲ from 4.10%
- Sep 24, 20264.10%first recorded
Special Rate; Rates effective September 21, 2026
No additional details available.
No additional details available.
- Sep 24, 20264.14%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Balance: $1000.00 - $49,999.99
No additional details available.
No additional details available.
No additional details available.
Minimum $100,000 required to open an account.
Non-Compounding Certificates available
- Oct 8, 20264.08%▲ from 3.72%
- Sep 16, 20263.72%first recorded
No additional details available.
No additional details available.
Balance: $10,000 - up; Renewals Rate: 3.500%; Renewals APY: 3.546%
No additional details available.
No additional details available.
No additional details available.
Balance: $250,000+; ***SPECIAL***
Loyalty Program1 Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)
No additional details available.
No additional details available.
No additional details available.
- Oct 10, 20264.02%▲ from 3.56%
- Sep 27, 20263.56%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Balance: >= $150,000
- Sep 24, 20264.01%▲ from 1.00%
- Sep 14, 20261.00%first recorded
No additional details available.
No additional details available.
One week only! The special will end as of end of business on October 5, 2026. Dividend rate is fixed for the share certificate term, computed on the actual dollar amount from day of deposit and compounded monthly. The certificate will not automatically renew. Penalty for early withdrawal. The APY is offered as of September, 28 2026. Rates are subject to change without notice. Contact the credit union for full details at (609) 646-3339. Federally Insured by NCUA
Must be opened in branch. New Money Only. This APY is available for new money ( funds not currently on deposit with the Bank ). Subject to change without notice. The term is three (3) months. Interest is compounded and credited to the account monthly. A Penalty may be imposed at the rate paid for withdrawing any of the principal before maturity date and will reduce earnings. Fees could reduce earnings.
No additional details available.
No additional details available.
- Oct 5, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
No additional details available.
Interest credited At Maturity; Brilliant Bank's CD is a certificate of deposit with initial Annual Percentage Yield available for new depositors only. Rate is accurate as of website publication and subject to change. Fees may reduce earnings. Early withdrawal penalties may apply.
Balance: $1,000 - $9,999
- Oct 10, 20264.00%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Balance: $500,000+; $500,000+
- Oct 2, 20264.00%▲ from 3.80%
- Sep 24, 20263.80%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Non-institutional funds only. Rate current as of 9/25/26.
No additional details available.
Only available for members under age 18. Member may add to certificate balance at any time. Penalty for Early Withdrawal
No minimum deposit.
Balance: $10,000+; Basic*: 2.90% APY; Better**: 3.40% APY; Best***: 4.00% APY; ****: $10,000+
Available for current 3-Month CD clients only. Online-only high-yield rates.
Balance: $100.00 to $499.99 **
Terms available from three months to four years; Compounded and paid quarterly
Minimum to open $1,000.00
No additional details available.
No additional details available.
No additional details available.
A penalty will be imposed for early withdrawals on CDs. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.
- Oct 11, 20263.95%▲ from 3.90%
- Sep 19, 20263.90%first recorded
No additional details available.
No additional details available.
Minimum $75,000.00
- Oct 12, 20263.92%▲ from 3.41%
- Sep 25, 20263.41%first recorded
No additional details available.
Balance: $100,000.00 and up
- Oct 3, 20263.91%▲ from 3.85%
- Sep 19, 20263.85%first recorded
Deposit Amount: $100,000 and above
No additional details available.
- Oct 8, 20263.91%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Balance: $250,000.00 and up; Compounding: Interest At Maturity
Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity; fees could reduce earnings; APY assumes dividends remain in account
No additional details available.
No additional details available.
No additional details available.
- Sep 20, 20263.90%▼ from 4.00%
- Sep 14, 20264.00%first recorded
No additional details available.
No additional details available.
No additional details available.
- Oct 5, 20263.90%▲ from 3.50%
- Sep 14, 20263.50%first recorded
2. Annual Percentage Yield (APY) is effective as of 8/31/26 and subject to change without notice. $1,000 minimum daily balance is required during each monthly cycle period to earn interest. Fees could reduce earnings. Penalty for early withdrawal. Account type is only available in-branch.
Compounded:; Credited: At Maturity
No additional details available.
No additional details available.
- Oct 7, 20263.90%▲ from 3.75%
- Sep 19, 20263.75%first recorded
No additional details available.
No additional details available.
No additional details available.
No additional details available.
- Sep 28, 20263.87%▲ from 3.51%
- Sep 24, 20263.51%first recorded
No additional details available.
No additional details available.
- Oct 7, 20263.85%▼ from 4.05%
- Sep 27, 20264.05%first recorded
Special CD Rates for Continental U.S.
- Oct 6, 20263.85%▲ from 3.80%
- Sep 30, 20263.80%first recorded
No additional details available.
- Oct 3, 20263.85%▲ from 3.65%
- Sep 24, 20263.65%first recorded
Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.
No additional details available.
- Sep 24, 20263.85%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Paid Monthly
Interest paid at term or maturity of CD
No additional details available.
- Oct 4, 20263.85%▲ from 3.50%
- Sep 14, 20263.50%first recorded
No additional details available.
No additional details available.
- Sep 24, 20263.85%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Early withdrawals subject to penalty*
No additional details available.
No additional details available.
Special; Compounding: Quarterly; Can deposit or withdraw balance without penalty at each 90 day anniversary; $500 minimum balance must be maintained; aggregate deposits may not exceed $250,000; no institutional money
No additional details available.
- Sep 27, 20263.85%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Balance: $100,000+
- Sep 24, 20263.84%▲ from 3.79%
- Sep 14, 20263.79%first recorded
No additional details available.
No additional details available.
Minimum balance to open account: $2500; 90-day dividend penalty for early withdrawal
Balance: $500+; Early withdrawal penalties may apply
- Sep 18, 20263.82%▲ from 3.57%
- Sep 12, 20263.57%first recorded
No additional details available.
Balance: $50,000-$99,999
- Oct 6, 20263.82%▲ from 3.56%
- Sep 18, 20263.56%first recorded
No additional details available.
Dividend Compounded: Quarterly Dividend Credited: Quarterly Dividend Period: At Maturity
No additional details available.
No additional details available.
Open 3 Month CD Online (Opens in new tab)
Minimum to Open Certificate
At Maturity
Open Account
No additional details available.
Balance: $100,000+*
No additional details available.
No additional details available.
No additional details available.
No additional details available.
- Oct 10, 20263.80%▲ from 3.45%
- Sep 14, 20263.45%first recorded
No additional details available.
No additional details available.
Additional terms and conditions apply. Annual Percentage Yield (APY) is accurate as of February 18, 2026. Minimum opening deposit is $500; maximum deposit is $1,000,000. Offer good for a limited time only and may be withdrawn at any time without notice. Rates subject to change without notice. A penalty will be imposed for early withdrawal. Fees may reduce earnings. The minimum balance to obtain the APY is $500. The Annual Percentage Yield (APY) assumes principal and interest will remain on deposit until maturity. CD special is available at any Adirondack Trust Company retail branch location.
No additional details available.
Create Account
No additional details available.
- Oct 2, 20263.76%▲ from 3.66%
- Sep 24, 20263.66%▲ from 3.56%
- Sep 18, 20263.56%first recorded
Penalties for early withdrawals may apply. Fees may reduce earnings on the account.
- Oct 4, 20263.76%▲ from 3.50%
- Sep 25, 20263.50%first recorded
No additional details available.
Balance: $100,000 & Over
No additional details available.
- Sep 25, 20263.75%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Balance: 3 Months - $500
- Oct 5, 20263.75%▲ from 3.50%
- Sep 18, 20263.50%first recorded
HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. 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.
No additional details available.
No additional details available.
- Sep 24, 20263.75%▲ from 3.70%
- Sep 14, 20263.70%first recorded
No additional details available.
Term: 3 Month Certificate (91 days)
No additional details available.
- Oct 2, 20263.75%▲ from 3.50%
- Sep 8, 20263.50%first recorded
No additional details available.
No additional details available.
No additional details available.
No additional details available.
- Oct 10, 20263.75%▲ from 3.55%
- Sep 14, 20263.55%first recorded
No additional details available.
No additional details available.
Regular, Traditional IRA, Roth IRA, Education Savings; APY fixed to maturity; early withdrawal penalty applies
No additional details available.
- Oct 10, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
No additional details available.
- Oct 9, 20263.75%▲ from 3.59%
- Sep 14, 20263.59%first recorded
No additional details available.
($500.00 Minimum to open and obtain APY) (Fixed Rate)
No additional details available.
No additional details available.
- Sep 24, 20263.75%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Limited time offer. Dividend rates are fixed for the term of the certificate and are not subject to a tiered rate. Deposits cannot be added to this certificate once it has been opened. Institutional deposits are not eligible. At maturity, each Pick-A-Term Certificate renews to the same term at the fixed rate in effect at that time.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Minimum: $500 Minimum
Days: 91 - 181
No additional details available.
APY = Annual Percentage Yield. The APY's are accurate as of 10/01/26. CD Rates require a minimum of $1,000 to open and attain the stated APY. Penalty may be imposed for early withdrawal. All rates are subject to change without notice. $1,000 minimum needed to earn the listed APY. Please contact us at 888.275.5566 for current rate information.
- Oct 3, 20263.71%▲ from 3.61%
- Sep 14, 20263.61%first recorded
No additional details available.
Jumbo CDs (Above $75,000)
- Oct 9, 20263.71%▼ from 3.82%
- Oct 1, 20263.82%first recorded
Balance: $500+; Effective: 9/17/26
- Sep 22, 20263.71%▲ from 3.51%
- Sep 14, 20263.51%first recorded
No additional details available.
No additional details available.
New Money
No additional details available.
Interest Paid: Quarterly and at Maturity
- Oct 7, 20263.70%▲ from 3.60%
- Sep 19, 20263.60%first recorded
No additional details available.
No additional details available.
- Oct 10, 20263.70%▲ from 3.30%
- Sep 14, 20263.30%first recorded
No additional details available.
APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. All rates and information are subject to change at any time without notice. Fees could reduce earnings on the account, see Fee Schedule for details. Opening balance and minimum balance of $500 for all certificates. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. See Credit Union for additional terms and conditions.
No additional details available.
- Oct 7, 20263.70%▲ from 3.45%
- Sep 24, 20263.45%first recorded
APY1
APY up to; Share Certificates require a minimum balance of $500.00 to earn the stated APY; Regular and IRA Certificates
Over $90,000
- Sep 27, 20263.70%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Balance: $1,000-$74,999
- Oct 9, 20263.68%▲ from 3.59%
- Sep 21, 20263.59%first recorded
APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
No additional details available.
Balance: $100,000 and over
No additional details available.
No additional details available.
No additional details available.
No additional details available.
***
Interest Compounded and Credited: At Maturity
Balance: $10,000 and over; $100,000 per member maximum
No additional details available.
- Sep 24, 20263.65%▲ from 3.50%
- Sep 7, 20263.50%first recorded
Preferred Rate with any checking account; Rate: 3.70%, APY: 3.75%
No additional details available.
No additional details available.
Balance: $1,000 & up
No additional details available.
- Oct 7, 20263.65%▼ from 4.50%
- Sep 14, 20264.50%first recorded
No additional details available.
No additional details available.
No additional details available.
- Sep 24, 20263.65%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Tracked Nationwide
About Our 3-Month CD Rate Database
MonitorBankRates tracks 2,943 3-month CD rates from 1,771 institutions across the United States. 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 to 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 rate: Austin Capital Bank offers a 3-month CD at 4.58% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers.
3-Month CD Rate Trend
Daily national average APY for 3-month CDs
Daily averages compiled from 2,943 verified CD rate quotes, updated daily.
National 3-month CD rates rose 0.012 points over the past 7 days to 2.095% APY, up from 2.082% 7 days ago. Rates are currently 0.091 points above the 90-day average of 2.003%.
Rates are well above the 2010-2019 decade average of 0.22%, reflecting the Fed rate hike cycle of 2022-2023.
3-Month CD Rate Forecast, Next 12 Months
Where are 3-month CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CD Calculators
Enter any deposit amount to see exactly how much interest you earn at the end of your 3-month term at today’s top APY.
CD Ladder with 3 months RungModel a CD ladder that includes a 3-month CD. See how staggering maturities keeps cash accessible while locking in higher yields on longer terms.
Early Withdrawal Penalty3-month CDs typically carry a 30 to 90 days interest penalty for early access. Calculate your actual net return if you need funds before maturity.
3-month CD vs. High-Yield Savings3-month CD rates are close to top savings APYs right now. Compare both side-by-side to find which earns more for your deposit amount and timeline.
What Does a 3-Month CD Actually Earn After Inflation?
The APY on your CD tells you the nominal return, what you earn before accounting for inflation. The real return is what matters for purchasing power: your CD rate minus the current inflation rate. A CD yielding 4.85% when inflation runs at 2.8% gives you a real return of roughly 2.0%. When inflation runs at 5%, that same CD is losing ground.
What This Means for 3-Month CD Savers
At the current national average of 2.095% and headline inflation running at 2.8% (BLS CPI-U, February 2026), a $10,000 3-month CD earns roughly $52.36 in interest over 3 months. After adjusting for the annualized inflation rate, the real purchasing-power gain is approximately -0.71% on an annualized basis.
With inflation still running above the current CD average, short-term CD holders are losing ground in real terms, though far less than during the 2020 to 2021 period when rates were near zero and inflation was accelerating.
The top-yielding 3-month CDs in our database, however, typically run 0.50% to 1.50% above the national average. Savers who shop across our full list rather than accepting their current bank's rate meaningfully improve their real return.
Real Return in Context
| Period | Avg 3-Mo CD APY | Avg CPI | Approx. Real Return |
|---|---|---|---|
| 2015 to 2019 (pre-pandemic) | ~1.0% to 2.4% | ~2.3% | ~-1.3% to +0.1% |
| 2020 to 2021 (pandemic lows) | ~0.05% to 0.10% | ~1.2% to 4.7% | ~-4.6% to -1.1% |
| 2022 to 2023 (rate hike cycle) | ~0.5% to 5.5% | ~4.0% to 9.1% | ~-8.6% to +1.5% |
| 2023 Peak | ~5.25% avg | ~3.2% to 4.1% | ~+1.0% to +2.0% |
| Today (Oct 2026) | 2.095% avg | 2.8% | -0.71% |
Data sources: MonitorBankRates.com 3-month CD rate averages; U.S. Bureau of Labor Statistics, Consumer Price Index for All Urban Consumers (CPI-U), All Items, 12-month percent change. CPI reading: February 2026. Real return is an approximation; precise calculation is ((1+nominal)/(1+inflation))-1. Not financial advice.
How to Find the Best 3-Month CD Rates
What to compare when shopping for a short-term CD
To find the best APYs on a 3-month CD, 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.
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. A CD advertised at 4.75% interest compounding monthly is worth more than one at 4.80% compounding annually.
Also compare the early withdrawal penalty. On a 3-month CD, common penalties range from 30 to 90 days of interest. If you’re unsure whether you’ll need the funds early, a penalty-free no-penalty CD or a high-yield savings account may be a better fit.
When a 3-Month CD Makes Sense
- You have a planned purchase or expense in ~3 months and want to earn while you wait
- You expect interest rates to fall and want to lock in today’s rate short-term
- You’re building the shortest rung of a CD ladder
- You want FDIC/NCUA protection with a guaranteed fixed return
Consider an Alternative If…
- You may need funds before 3 months High-yield savings
- Rates are rising and you want to benefit Variable-rate savings or MMA
- You want check-writing or debit access Money market account
3-Month CD vs. Other Short-Term Savings Options
| Feature | 3-Month CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked 3 months | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (30 to 90 days interest) | None | None | Penalty (90 to 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 near-term goal, CD ladder start | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
3-Month CD FAQs
What is a 3-Month Certificate of Deposit (CD)?
Are 3-month CD rates higher than regular savings accounts?
Is my money safe in a 3-month CD?
What happens if I withdraw money from a 3-month CD early?
What is APY and how does it differ from the interest rate?
Can I add money to a 3-month CD after opening it?
How can I use a 3-month CD in a CD ladder?
Is a 3-month CD better than a high-yield savings account right now?
What is the real return on a 3-month CD?
Does inflation affect CD rates?
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate 3-month CD rates nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology. By pulling data straight 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 1-year CD 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.
