Best 36-Month CD Rates - October 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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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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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.
36-month CD rates range from 4.19% to 5.13% APY, verified by MonitorBankRates as of October 15, 2026. Top 36-month CD rates currently available include 1st Community Credit Union offering 36-Month Teen Certificate Special at 5.13% APY, and Morgan Stanley offering 36 Month Preferred Certificate of Deposit (CD) at 5.10% APY, and Raymond James Bank offering 36 Month Certificate of Deposit at 5.10% APY, and Family Trust Federal Credit Union offering Traditional IRA Certificates - 36 Month at 5.00% APY. CD rates as of October 15, 2026 according to verified data from MonitorBankRates.
A 3-year CD is well-suited for savers with a medium-term horizon who want to lock in a solid fixed rate without committing to five years. It balances yield and accessibility, and pairs well with a CD ladder strategy. 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. 36-Month CD Rates Last Updated and Verified: October 15, 2026
Compare the Best 36-Month CD Rates Nationwide
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%
▼
Rate5.00%
Min Deposit$500
UpdatedOct 13, 2026
Details
Ages: 13-15 years old; Minimum deposit of $500, Maximum $10,000; Effective Date: Tuesday, October 13th, 2026; Certificate must be in the minor's name; Cannot be opened as UTMA account
Rate History
No change since Oct 13, 2026 · 5.13% APY
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
201 S Main St Fl 5, Salt Lake City, UT 84111
36 Month Preferred Certificate of Deposit (CD)
$1,000
5.10%
▼
Rate5.10%
Min Deposit$1,000
UpdatedOct 14, 2026
Details
Morgan Stanley Preferred CD; deposits in increments of $1,000
Rate History
No change since Oct 14, 2026 · 5.10% APY
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
36 Month Certificate of Deposit
$1,000
5.10%
▼
Rate4.97%
Min Deposit$1,000
UpdatedOct 14, 2026
Details
Minimum opening deposit $2,000 if purchased through Raymond James brokerage account; Rates effective October 9, 2026
Rate History
3 changes since Sep 18, 2026 · 4.80% → 5.10% ▲ 0.30 pts · high 5.10% / low 4.80%
- Oct 14, 20265.10%▲ from 5.05%
- Oct 7, 20265.05%▲ from 4.85%
- Sep 27, 20264.85%▲ from 4.80%
- Sep 18, 20264.80%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
Traditional IRA Certificates - 36 Month
$500
5.00%
▼
Rate4.91%
Min Deposit$500
UpdatedOct 15, 2026
Details
Min. balance to earn APY: $100,000
Rate History
1 change since Sep 14, 2026 · 4.40% → 5.00% ▲ 0.60 pts · high 5.00% / low 4.40%
- Oct 15, 20265.00%▲ from 4.40%
- Sep 14, 20264.40%first recorded
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 - Year 3 term
$10,000
5.00%
▼
Rate4.89%
Min Deposit$10,000
UpdatedOct 14, 2026
Details
Interest is compounded monthly; 10-day option to withdraw at the end of each one-year term; penalty for early withdrawals applies at other times; no brokered deposits
Rate History
No change since Sep 19, 2026 · 5.00% APY · checked 5 times
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
5.00%
▼
Rate—
Min Deposit$0
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
2 changes since Sep 24, 2026 · 4.75% → 5.00% ▲ 0.25 pts · high 5.00% / low 4.75%
- Oct 3, 20265.00%▲ from 4.90%
- Sep 27, 20264.90%▲ from 4.75%
- Sep 24, 20264.75%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
4.99%
▼
Rate4.90%
Min Deposit$0
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
1 change since Sep 24, 2026 · 4.73% → 4.99% ▲ 0.26 pts · high 4.99% / low 4.73%
- Oct 7, 20264.99%▲ from 4.73%
- Sep 24, 20264.73%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
4.96%
▼
Rate4.85%
Min Deposit$250
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.44% → 4.96% ▲ 0.52 pts · high 4.96% / low 4.44%
- Oct 11, 20264.96%▲ from 4.44%
- Sep 14, 20264.44%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
IRA 36 Month CD
$0
4.96%
▼
Rate4.90%
Min Deposit$0
UpdatedOct 14, 2026
Details
IRA CD; Balance: $100.00 minimum to open and obtain APY
Rate History
No change since Oct 14, 2026 · 4.96% APY
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
36 Month Jumbo Certificates of Deposit
$0
4.96%
▼
Rate4.85%
Min Deposit$0
UpdatedOct 14, 2026
Details
Balance: $250,000.00 and over
Rate History
1 change since Sep 14, 2026 · 4.54% → 4.96% ▲ 0.42 pts · high 4.96% / low 4.54%
- Oct 14, 20264.96%▲ from 4.54%
- Sep 14, 20264.54%first recorded
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
36 Month Share Certificates (CDs) - Jumbo
$1,000
4.93%
▼
Rate4.81%
Min Deposit$1,000
UpdatedOct 13, 2026
Details
Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.
Rate History
No change since Oct 13, 2026 · 4.93% APY
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
255 Main St, Massena, NY 13662
36 Month CD
$0
4.90%
▼
Rate4.75%
Min Deposit$0
UpdatedOct 14, 2026
Details
No additional details available.
Rate History
1 change since Sep 19, 2026 · 3.18% → 4.90% ▲ 1.72 pts · high 4.90% / low 3.18%
- Oct 3, 20264.90%▲ from 3.18%
- Sep 19, 20263.18%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
36 Month CD
$0
4.85%
▼
Rate4.74%
Min Deposit$0
UpdatedOct 14, 2026
Details
No additional details available.
Rate History
2 changes since Sep 24, 2026 · 4.50% → 4.85% ▲ 0.35 pts · high 4.85% / low 4.50%
- Oct 14, 20264.85%▲ from 4.80%
- Oct 1, 20264.80%▲ from 4.50%
- Sep 24, 20264.50%first recorded
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
3181 Larchmont Ave NE, Warren, OH 44483 2435
36 Month Jumbo Certificate
$0
4.85%
▼
Rate4.75%
Min Deposit$0
UpdatedOct 9, 2026
Details
Special Jumbo Certificate Bonus! Boost Your Earnings - Get an additional 0.25% APY on a Jumbo Certificate with a balance of $250,000+
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.85% ▲ 0.60 pts · high 4.85% / low 4.25%
- Oct 9, 20264.85%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular and Special Share Certificates - 3 year
$500
4.80%
▼
Rate4.69%
Min Deposit$500
UpdatedOct 14, 2026
Details
Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.80% APY
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
241 Union St, Rockland, MA 02370
3 Year Share Certificate
$0
4.75%
▼
Rate4.65%
Min Deposit$0
UpdatedOct 15, 2026
Details
Compounding: Monthly; Minimum to earn APY: $500
Rate History
No change since Oct 9, 2026 · 4.75% APY · checked 3 times
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%
▼
Rate4.68%
Min Deposit$100
UpdatedOct 14, 2026
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%
- Sep 24, 20264.73%▲ from 4.37%
- Sep 14, 20264.37%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
Share Certificate - 36 Months
$500
4.71%
▼
Rate4.60%
Min Deposit$500
UpdatedOct 15, 2026
Details
Non-Compounding Certificates available; early withdrawal penalties may apply
Rate History
1 change since Sep 16, 2026 · 4.13% → 4.71% ▲ 0.58 pts · high 4.71% / low 4.13%
- Oct 8, 20264.71%▲ from 4.13%
- Sep 16, 20264.13%first recorded
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
315 Croghan St, Fremont, OH 43420 3013
36 Month Freedom Share Certificate
$5,000
4.70%
▼
Rate4.60%
Min Deposit$5,000
UpdatedOct 15, 2026
Details
Type: Regular/IRA; Dividends compound & paid: Daily; Features include a one-time additional deposit and a one-time rate bump during the term; Freedom Certificates do not apply to Dollar Dog or Cha-Ching Teen Club members
Rate History
No change since Oct 15, 2026 · 4.70% APY
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
36-Month Certificate
$1,000
4.70%
▼
Rate4.60%
Min Deposit$1,000
UpdatedOct 13, 2026
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.70% ▲ 0.68 pts · high 4.70% / low 4.02%
- Oct 9, 20264.70%▲ from 4.02%
- Sep 14, 20264.02%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023
3 Year Business Certificate
$0
4.65%
▼
Rate4.55%
Min Deposit$0
UpdatedOct 14, 2026
Details
No additional details available.
Rate History
1 change since Sep 27, 2026 · 4.10% → 4.65% ▲ 0.55 pts · high 4.65% / low 4.10%
- Oct 6, 20264.65%▲ from 4.10%
- Sep 27, 20264.10%first recorded
Piscataqua Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15 Pleasant St, Portsmouth, NH 03801
3 Year CD
$500
4.60%
▼
Rate4.50%
Min Deposit$500
UpdatedOct 14, 2026
Details
Minimum balance to earn APY: $0.01; Early withdrawal penalty may apply; IRA available
Rate History
No change since Oct 14, 2026 · 4.60% APY
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1509 4th Ave S, Birmingham, AL 35233 1612
36 Month IRA
$0
4.60%
▼
Rate4.60%
Min Deposit$0
UpdatedOct 13, 2026
Details
IRA CDs pay at maturity; Early withdrawal penalty of 90 days interest
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
- Oct 9, 20264.60%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
3 Year Jumbo IRA Certificates
$0
4.60%
▼
Rate4.51%
Min Deposit$0
UpdatedOct 14, 2026
Details
No additional details available.
Rate History
1 change since Sep 24, 2026 · 3.90% → 4.60% ▲ 0.70 pts · high 4.60% / low 3.90%
- Oct 14, 20264.60%▲ from 3.90%
- Sep 24, 20263.90%first recorded
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificates - 36 Months
$0
4.60%
▼
Rate4.51%
Min Deposit$0
UpdatedOct 15, 2026
Details
Penalty: 180 Days
Rate History
No change since Oct 8, 2026 · 4.60% APY · checked 3 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
519 Main St, Kewaunee, WI 54216
36 Month Relationship CD
$2,500
4.60%
▼
Rate4.52%
Min Deposit$2,500
UpdatedOct 14, 2026
Details
Minimum $2500 to open; Relationship is defined as Direct Deposit Checking
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
- 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
$500
4.59%
▼
Rate4.50%
Min Deposit$500
UpdatedOct 14, 2026
Details
Balance: $1M+
Rate History
No change since Sep 14, 2026 · 4.59% APY · checked 6 times
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
4.59%
▼
Rate4.50%
Min Deposit$0
UpdatedOct 15, 2026
Details
Jumbo/Min. $90,000 tier
Rate History
1 change since Sep 25, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
- Oct 15, 20264.59%▲ from 4.33%
- Sep 25, 20264.33%first recorded
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 Share Certificate
$500
4.59%
▼
Rate4.50%
Min Deposit$500
UpdatedOct 15, 2026
Details
Balance: $1M and over
Rate History
No change since Oct 13, 2026 · 4.59% APY · checked 2 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
36 Month 75th Anniversary Certificates of Deposit
$0
4.58%
▼
Rate—
Min Deposit$0
UpdatedOct 14, 2026
Details
Effective date 10/1/26; Get complete details here
Rate History
No change since Oct 10, 2026 · 4.58% APY · checked 2 times
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
4.55%
▼
Rate—
Min Deposit$0
UpdatedOct 14, 2026
Details
10-Day Rate Guarantee
Rate History
1 change since Sep 18, 2026 · 4.45% → 4.55% ▲ 0.10 pts · high 4.55% / low 4.45%
- Oct 14, 20264.55%▲ from 4.45%
- Sep 18, 20264.45%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
Certificate of Deposit - 3-year
$1,000
4.55%
▼
Rate4.45%
Min Deposit$1,000
UpdatedOct 14, 2026
Details
Amount: $1,000.00 and up
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
- Sep 28, 20264.55%▲ from 3.75%
- Sep 14, 20263.75%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates - 36 Months Jumbo IRA
$100,000
4.54%
▼
Rate4.45%
Min Deposit$100,000
UpdatedOct 14, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.39% → 4.54% ▲ 0.15 pts · high 4.54% / low 4.39%
- Oct 10, 20264.54%▲ from 4.39%
- Sep 14, 20264.39%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
36 Month Certificate of Deposit
$0
4.52%
▼
Rate4.45%
Min Deposit$0
UpdatedOct 14, 2026
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%
- Oct 7, 20264.52%▲ from 4.27%
- Sep 18, 20264.27%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
824 E Ridge Rd, Rochester, NY 14621
3 Year Share Certificates
$500
4.50%
▼
Rate4.43%
Min Deposit$500
UpdatedOct 15, 2026
Details
Penalty applies to withdraw principal before maturity; dividends may be withdrawn at any time without penalty; dividends compounded and credited quarterly
Rate History
No change since Oct 15, 2026 · 4.50% APY · checked 2 times
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%
▼
Rate—
Min Deposit$0
UpdatedOct 14, 2026
Details
Bonus CD; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
36 Month Elite Jumbo CD
$250,000
4.50%
▼
Rate—
Min Deposit$250,000
UpdatedOct 13, 2026
Details
No additional details available.
Rate History
1 change since Sep 21, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Oct 5, 20264.50%▲ from 4.15%
- Sep 21, 20264.15%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
Certificates - 36 Months
$50
4.50%
▼
Rate4.50%
Min Deposit$50
UpdatedOct 15, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 9, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Farmers & Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
210 W Madison St, Waterloo, WI 53594
36 Month - 10% New Money Certificate
$500
4.50%
▼
Rate4.50%
Min Deposit$500
UpdatedOct 15, 2026
Details
10 for 10 Specials Available for Certificates Only (No IRA or HSA); 10% of the total CD amount must be funds from another financial institution; Compounding: Annually
Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
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%
▼
Rate—
Min Deposit$5,000
UpdatedOct 13, 2026
Details
Balance: $5,000.00 - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.50% APY
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
800 Wayne Ave, Chambersburg, PA 17201 3810
36 Month Share Certificate
$0
4.50%
▼
Rate—
Min Deposit$0
UpdatedOct 15, 2026
Details
Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA
Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 4 times
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
3280 N University Ave, Provo, UT 84604
Business CD - 36 Months
$1,000
4.50%
▼
Rate—
Min Deposit$1,000
UpdatedOct 14, 2026
Details
Business certificate of deposit; Early withdrawal penalties may apply
Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 3 times
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
4.50%
▼
Rate4.43%
Min Deposit$0
UpdatedOct 14, 2026
Details
Minimum balance $1,000 to obtain the APY; APY assumes principal and interest remain on deposit until maturity; early withdrawal penalty may apply
Rate History
3 changes since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 14, 20264.50%▲ from 4.45%
- Oct 2, 20264.45%▲ from 4.30%
- Sep 24, 20264.30%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
156 Spring St, West Roxbury, MA 02132
36 Month Certificate of Deposit
$1,000
4.50%
▼
Rate4.41%
Min Deposit$1,000
UpdatedOct 13, 2026
Details
No additional details available.
Rate History
No change since Oct 13, 2026 · 4.50% APY
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
125 S West St, Wilmington, DE 19801
36 Month Online CD
$0
4.50%
▼
Rate—
Min Deposit$0
UpdatedOct 14, 2026
Details
No additional details available.
Rate History
1 change since Oct 7, 2026 · 2.50% → 4.50% ▲ 2.00 pts · high 4.50% / low 2.50%
- Oct 14, 20264.50%▲ from 2.50%
- Oct 7, 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
36-month online CD
$25,000
4.50%
▼
Rate4.40%
Min Deposit$25,000
UpdatedOct 14, 2026
Details
Online Only; Interest Rate: 4.40%; Maximum $1,000,000 per client
Rate History
1 change since Sep 18, 2026 · 3.76% → 4.50% ▲ 0.74 pts · high 4.50% / low 3.76%
- Oct 2, 20264.50%▲ from 3.76%
- Sep 18, 20263.76%first recorded
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
CA
36 month Certificate - Rewards+ Loyalty Program
$500
4.50%
▼
Rate4.41%
Min Deposit$500
UpdatedOct 14, 2026
Details
Rewards+ Loyalty Program
Rate History
No change since Oct 14, 2026 · 4.50% APY
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
$1,000
4.50%
▼
Rate4.50%
Min Deposit$1,000
UpdatedOct 14, 2026
Details
Balance: $10,000+
Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 6 times
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
503 W Plane St, Bethel, OH 45106
Certificate of Deposit - 36 Month Special
$5,000
4.50%
▼
Rate4.40%
Min Deposit$5,000
UpdatedOct 14, 2026
Details
Special rate; Compounding Frequency: Daily
Rate History
No change since Oct 14, 2026 · 4.50% APY
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 Certificate
$500
4.50%
▼
Rate4.41%
Min Deposit$500
UpdatedOct 14, 2026
Details
IRA; Minimum deposit $500 required; Certificate Rates
Rate History
1 change since Sep 18, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 6, 20264.50%▲ from 4.25%
- Sep 18, 20264.25%first recorded
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
36 Month Fixed-rate Certificate of Deposit
$50,000
4.50%
▼
Rate4.50%
Min Deposit$50,000
UpdatedOct 14, 2026
Details
Interest paid quarterly via ACH; Withdrawal before maturity is not permitted
Rate History
No change since Oct 14, 2026 · 4.50% APY
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
2300 Texas Ave, Texas City, TX 77590
36 Month Business Certificate
$1,000
4.50%
▼
Rate4.41%
Min Deposit$1,000
UpdatedOct 15, 2026
Details
Balance: $1,000.00 and up
Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 2 times
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
W 1046 Marietta Ave, Ixonia, WI 53036
3 Year CDs
$1,000
4.50%
▼
Rate4.43%
Min Deposit$1,000
UpdatedOct 14, 2026
Details
Min. balance to open & obtain APY; Early withdrawal may be subject to penalty
Rate History
1 change since Sep 20, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 8, 20264.50%▲ from 4.00%
- Sep 20, 20264.00%first recorded
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME 04240
IRA 3 Year Certificate
$500
4.50%
▼
Rate4.41%
Min Deposit$500
UpdatedOct 15, 2026
Details
Individual Retirement Accounts Rates; Variable rates subject to change after account opening
Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 4 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
Certificate of Deposit - 36 Month
$0
4.50%
▼
Rate4.45%
Min Deposit$0
UpdatedOct 14, 2026
Details
Balance: $100,000.00 and above
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%
- Sep 27, 20264.50%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
3001 S 82ND AVE, OMAHA, NE 68124
Share Certificates - 36 Month
$0
4.50%
▼
Rate4.41%
Min Deposit$0
UpdatedOct 15, 2026
Details
Dividend Rate (APR) 4.410%; Annual Percentage Yield (APY) 4.50%
Rate History
1 change since Sep 20, 2026 · 2.50% → 4.50% ▲ 2.00 pts · high 4.50% / low 2.50%
- Oct 8, 20264.50%▲ from 2.50%
- Sep 20, 20262.50%first recorded
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
1522 Main St, Unionville, MO 63565
36 Month Certificate of Deposit
$0
4.49%
▼
Rate4.40%
Min Deposit$0
UpdatedOct 14, 2026
Details
Term: 36 months to 47 months; Balance: $100,000.00 and over; Rates as of September 18, 2026
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.49% ▲ 0.52 pts · high 4.49% / low 3.97%
- Oct 14, 20264.49%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
243 E 125 N, Morgan, UT 84050
Share Certificate 36 Months
$1,000
4.48%
▼
Rate4.40%
Min Deposit$1,000
UpdatedOct 15, 2026
Details
Early withdrawal penalty may apply; certificates automatically renew at maturity
Rate History
2 changes since Sep 14, 2026 · 3.99% → 4.48% ▲ 0.49 pts · high 4.48% / low 3.99%
- Oct 9, 20264.48%▲ from 4.05%
- Sep 18, 20264.05%▲ from 3.99%
- Sep 14, 20263.99%first recorded
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
711 Beaver Creek Rd, Piketon, OH 45661
36-Month Certificate
$1,000
4.45%
▼
Rate—
Min Deposit$1,000
UpdatedOct 13, 2026
Details
as high as 4.45% APY; Rate shown as 'as high as'
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.45% ▲ 0.80 pts · high 4.45% / low 3.65%
- Oct 9, 20264.45%▲ from 3.65%
- Sep 14, 20263.65%first recorded
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
687 Lincoln St, Galesburg, IL 61401
36 Month Share Certificate
$0
4.45%
▼
Rate4.36%
Min Deposit$0
UpdatedOct 14, 2026
Details
Nominal Rate 4.36%; footnote ** referenced in source
Rate History
No change since Oct 10, 2026 · 4.45% APY · checked 2 times
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%
▼
Rate4.35%
Min Deposit$2,500
UpdatedOct 14, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 4.40% → 4.45% ▲ 0.05 pts · high 4.45% / low 4.40%
- Sep 27, 20264.45%▲ from 4.40%
- Sep 18, 20264.40%first recorded
Smartypig, by Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
Certificates of deposit (CDs) - 36 months
$2,500
4.45%
▼
Rate4.35%
Min Deposit$2,500
UpdatedOct 14, 2026
Details
No additional details available.
Rate History
No change since Oct 10, 2026 · 4.45% APY · checked 2 times
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
15 S Main St, Deerfield, WI 53531
Certificate of Deposits, IRAs, and HSA - 36 Month
$2,500
4.45%
▼
Rate4.40%
Min Deposit$2,500
UpdatedOct 14, 2026
Details
No additional details available.
Rate History
No change since Oct 14, 2026 · 4.45% APY
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
15750 W Dodge Rd, Omaha, NE 68118
36 Month CD
$500
4.45%
▼
Rate4.38%
Min Deposit$500
UpdatedOct 14, 2026
Details
Substantial penalty for early withdrawal
Rate History
No change since Sep 20, 2026 · 4.45% APY · checked 7 times
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3845 Angola Rd, Toledo, OH 43615
IRA Certificate - 36-Month
$0
4.45%
▼
Rate4.38%
Min Deposit$0
UpdatedOct 14, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.45% ▲ 0.65 pts · high 4.45% / low 3.80%
- Oct 14, 20264.45%▲ from 3.80%
- Sep 14, 20263.80%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%
▼
Rate4.36%
Min Deposit$0
UpdatedOct 14, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.45% ▲ 0.30 pts · high 4.45% / low 4.15%
- Sep 27, 20264.45%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
4091 Mount Royal Blvd, Allison Park, PA 15101
Business 3 Year CD
$0
4.44%
▼
Rate4.35%
Min Deposit$0
UpdatedOct 14, 2026
Details
No additional details available.
Rate History
2 changes since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
- Oct 8, 20264.44%▲ from 4.23%
- Sep 24, 20264.23%▲ from 4.18%
- Sep 14, 20264.18%first recorded
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
8310 O St, Lincoln, NE 68510
36 Month Certificate of Deposit
$1,000
4.42%
▼
Rate—
Min Deposit$1,000
UpdatedOct 14, 2026
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%
- Oct 1, 20264.42%▲ from 3.99%
- Sep 30, 20263.99%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
2309 Montgomery St, Fort Worth, TX 76107 4520
36-Month IRA Share CD
$0
4.41%
▼
Rate4.32%
Min Deposit$0
UpdatedOct 14, 2026
Details
IRA Certificate of Deposit
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.41% ▲ 0.49 pts · high 4.41% / low 3.92%
- Oct 10, 20264.41%▲ from 3.92%
- Sep 14, 20263.92%first recorded
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
11 W Ridgely Rd, Lutherville, MD 21093
36 Month CD Online and In Branch
$500
4.40%
▼
Rate4.31%
Min Deposit$500
UpdatedOct 14, 2026
Details
No additional deposits after initial deposit.
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Oct 7, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
2115 N Broadway, Santa Ana, CA 92706
Deferred Compensation Certificates - 36 months
$0
4.40%
▼
Rate4.31%
Min Deposit$0
UpdatedOct 15, 2026
Details
Limited to employees of participating school districts; penalty for early withdrawal; Minimum Monthly Deposit: $50, payroll deposit only
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Sep 29, 20264.40%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1868 S 500 W, Woods Cross, UT 84010
Certificates of Deposit - 36 Months
$0
4.40%
▼
Rate4.31%
Min Deposit$0
UpdatedOct 14, 2026
Details
Interest is paid monthly; Rate* and APY* fixed until CD renews
Rate History
1 change since Sep 18, 2026 · 4.05% → 4.40% ▲ 0.35 pts · high 4.40% / low 4.05%
- Sep 27, 20264.40%▲ from 4.05%
- Sep 18, 20264.05%first recorded
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
521 Ferry Street, Metropolis, IL 62960
36-Month CD
$0
4.40%
▼
Rate—
Min Deposit$0
UpdatedOct 14, 2026
Details
CD rate promo; Annual Percentage Yield accurate as of 10/13/2026; Terms and conditions apply
Rate History
No change since Oct 14, 2026 · 4.40% APY
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
3 Year Mega Saver Share Certificate with One-time Bump
$100,000
4.40%
▼
Rate—
Min Deposit$100,000
UpdatedOct 15, 2026
Details
APY with La Cap Checking; Dividends credited monthly; Effective Date: 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 3.50% → 4.40% ▲ 0.90 pts · high 4.40% / low 3.50%
- Oct 15, 20264.40%▲ from 4.00%
- Oct 13, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
417 High St, Frankfort, KY 40601
Traditional Certificates - 36 months
$500
4.40%
▼
Rate4.31%
Min Deposit$500
UpdatedOct 14, 2026
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%
- Oct 1, 20264.40%▲ from 3.70%
- Sep 30, 20263.70%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 Account
$0
4.40%
▼
Rate4.31%
Min Deposit$0
UpdatedOct 14, 2026
Details
Maturity Date (Regular, Business or IRA)
Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 7 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2600 Camino Ramon Ste CF120, San Ramon, CA 94583
36 Month Share Certificate
$100,000
4.40%
▼
Rate4.31%
Min Deposit$100,000
UpdatedOct 15, 2026
Details
No additional details available.
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
- Oct 13, 20264.40%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
3 Year High-Yield CD
$500
4.40%
▼
Rate—
Min Deposit$500
UpdatedOct 14, 2026
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
341 Englewood Ave, Buffalo, NY 14223 2819
36 Month Certificate of Deposit
$1,000
4.40%
▼
Rate—
Min Deposit$1,000
UpdatedOct 15, 2026
Details
No additional details available.
Rate History
1 change since Sep 25, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
- Oct 12, 20264.40%▲ from 4.25%
- Sep 25, 20264.25%first recorded
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
200 E South Temple, Salt Lake City, UT 84111
Traditional and IRA Term Deposit - 36-Month
$0
4.40%
▼
Rate—
Min Deposit$0
UpdatedOct 15, 2026
Details
APY*
Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 3 times
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
10461 White Granite Dr, Oakton, VA 22124
3 Year Certificate - Special Rate
$1,000
4.40%
▼
Rate—
Min Deposit$1,000
UpdatedOct 15, 2026
Details
Special Rate (APY)
Rate History
No change since Oct 12, 2026 · 4.40% APY · checked 2 times
Utah Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
360 W 4800 N, Provo, UT 84604
36 Month Certificate
$500
4.40%
▼
Rate4.31%
Min Deposit$500
UpdatedOct 14, 2026
Details
Standard Certificate Rates
Rate History
No change since Oct 14, 2026 · 4.40% APY
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
36 Month Bank CD
$0
4.40%
▼
Rate—
Min Deposit$0
UpdatedOct 15, 2026
Details
Fixed APY for the full term; daily compounding; 10-day rate guarantee
Rate History
No change since Oct 12, 2026 · 4.40% APY · checked 2 times
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
Simple CD - 36 Months
$500
4.40%
▼
Rate4.31%
Min Deposit$500
UpdatedOct 14, 2026
Details
Starting minimum deposit $500; not eligible for Member Saver Reward
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
- Sep 22, 20264.40%▲ from 4.00%
- Sep 14, 20264.00%first recorded
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
36 mo Certificate of Deposit
$500
4.39%
▼
Rate4.30%
Min Deposit$500
UpdatedOct 15, 2026
Details
Balance: $10,000 or above; Interest Credited: Monthly; Fixed
Rate History
No change since Sep 14, 2026 · 4.39% APY · checked 7 times
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
3030 S Adrian Hwy, Adrian, MI 49221
36 Month CD
$0
4.37%
▼
Rate4.30%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.91% → 4.37% ▲ 0.46 pts · high 4.37% / low 3.91%
- Oct 9, 20264.37%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
501 Main St, Milligan, NE 68406
36 Month Certificate of Deposit
$0
4.37%
▼
Rate4.30%
Min Deposit$0
UpdatedOct 14, 2026
Details
Penalty with early withdrawal
Rate History
No change since Sep 19, 2026 · 4.37% APY · checked 3 times
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
200 W Main St, Washington, MO 63090
36 Month CD or IRA CD
$500
4.35%
▼
Rate4.28%
Min Deposit$500
UpdatedOct 14, 2026
Details
Interest paid quarterly
Rate History
No change since Sep 8, 2026 · 4.35% APY · checked 9 times
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1023 Medical Dr, Brigham City, UT 84302 3049
36-Month Certificate
$0
4.35%
▼
Rate—
Min Deposit$0
UpdatedOct 15, 2026
Details
Certificate Rates; APY = annual percentage yield; early closure penalties apply
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Oct 4, 20264.35%▲ from 4.00%
- Sep 18, 20264.00%first recorded
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%
▼
Rate—
Min Deposit$0
UpdatedOct 15, 2026
Details
Valid Thru: 10/18/2026
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Sep 25, 20264.35%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
3-Year CD
$0
4.35%
▼
Rate—
Min Deposit$0
UpdatedOct 14, 2026
Details
Balance to open and earn APY: $1,000; $250,000 maximum deposit; Rate effective as of 11 October, 2026; Online
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Sep 24, 20264.35%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
147 26th st, Ogden, UT 84401
36 Month Certificate
$500
4.35%
▼
Rate4.27%
Min Deposit$500
UpdatedOct 13, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 5, 20264.35%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
36 Month Share Certificate
$500
4.35%
▼
Rate4.26%
Min Deposit$500
UpdatedOct 15, 2026
Details
Minimum balance of $500 required; Penalties apply for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.82% → 4.35% ▲ 0.53 pts · high 4.35% / low 3.82%
- Oct 8, 20264.35%▲ from 3.82%
- Sep 25, 20263.82%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 Share Certificate of Deposit - Promo Rate
$5,000
4.35%
▼
Rate—
Min Deposit$5,000
UpdatedOct 13, 2026
Details
Promo Rate ($5,000 Min. New Deposit); Penalty: 180 day interest E/W penalty
Rate History
No change since Oct 13, 2026 · 4.35% APY
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2640 W Court St, Janesville, WI 53548
Jumbo Share or IRA Certificate (3 Year)
$10,000
4.35%
▼
Rate4.28%
Min Deposit$10,000
UpdatedOct 13, 2026
Details
No additional details available.
Rate History
No change since Oct 5, 2026 · 4.35% APY · checked 3 times
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
229 Parker St, Gardner, MA 01440 3703
Term Share Certificates - 36 Months
$500
4.35%
▼
Rate4.27%
Min Deposit$500
UpdatedOct 15, 2026
Details
Minimum balance to earn APY: $500.00
Rate History
No change since Oct 15, 2026 · 4.35% APY
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
1617 W 7th St, Fort Worth, TX 76102
Jumbo CD - 36 Months
$50,000
4.35%
▼
Rate4.27%
Min Deposit$50,000
UpdatedOct 14, 2026
Details
Jumbo CD; interest compounded and credited monthly; penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.86% → 4.35% ▲ 0.49 pts · high 4.35% / low 3.86%
- Sep 22, 20264.35%▲ from 3.86%
- Sep 14, 20263.86%first recorded
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
203 Main St, Thomaston, CT 06787
36 Month Business Certificate of Deposit - Fixed Rate
$1,000
4.35%
▼
Rate4.27%
Min Deposit$1,000
UpdatedOct 14, 2026
Details
Balance: $1,000 - $249,999.99 daily balance to earn APY; Available for IRAs; Annual Percentage Yield Effective Date: 10/14/2026
Rate History
No change since Oct 14, 2026 · 4.35% APY
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
1 Commerce St, Poughkeepsie, NY 12603
36 Month Share Certificate
$500
4.35%
▼
Rate4.27%
Min Deposit$500
UpdatedOct 14, 2026
Details
Rates as of 10/1/2026; Dividends paid monthly
Rate History
1 change since Sep 18, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
- Oct 1, 20264.35%▲ from 4.05%
- Sep 18, 20264.05%first recorded
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
121 S Marion Ave, Washington, IA 52353
36 Month CD Specials
$0
4.35%
▼
Rate4.28%
Min Deposit$0
UpdatedOct 14, 2026
Details
Balance: $225,000.00 and above; Compounding: Quarterly
Rate History
No change since Oct 3, 2026 · 4.35% APY · checked 4 times
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
2200 W Main St Ste L100, Durham, NC 27705 4600
25-36 Month IRA Certificate
$500
4.34%
▼
Rate4.25%
Min Deposit$500
UpdatedOct 15, 2026
Details
No additional details available.
Rate History
1 change since Sep 25, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08%
- Oct 13, 20264.34%▲ from 4.08%
- Sep 25, 20264.08%first recorded
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
1111 Country Club Rd, Middletown, CT 06457 2389
36 Month Certificate
$0
4.33%
▼
Rate4.25%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.33% ▲ 0.31 pts · high 4.33% / low 4.02%
- Oct 9, 20264.33%▲ from 4.02%
- Sep 14, 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 CD
$50,000
4.33%
▼
Rate4.25%
Min Deposit$50,000
UpdatedOct 15, 2026
Details
Balance tier: $50,000.00
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.33% ▲ 0.58 pts · high 4.33% / low 3.75%
- Oct 5, 20264.33%▲ from 3.75%
- Sep 14, 20263.75%first recorded
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
3 Year Certificate
$1,000
4.33%
▼
Rate4.24%
Min Deposit$1,000
UpdatedOct 11, 2026
Details
Early Withdrawal Penalty: 6 Month Interest
Rate History
1 change since Sep 14, 2026 · 3.21% → 4.33% ▲ 1.12 pts · high 4.33% / low 3.21%
- Oct 7, 20264.33%▲ from 3.21%
- Sep 14, 20263.21%first recorded
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1515 Hoopes Ave, Idaho Falls, ID 83404
36 Month Certificate of Deposit
$500
4.32%
▼
Rate4.25%
Min Deposit$500
UpdatedOct 14, 2026
Details
Pays quarterly; $500 minimum
Rate History
No change since Sep 14, 2026 · 4.32% APY · checked 6 times
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
119 N Main St, Seymour, MO 65746
Certificate of Deposit - 36 Month
$0
4.32%
▼
Rate4.25%
Min Deposit$0
UpdatedOct 14, 2026
Details
Balance: $50,000.00 or over; Rate as of 10/01/2026
Rate History
No change since Oct 14, 2026 · 4.32% APY
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
1419 N 2nd St, Ishpeming, MI 49849 1149
36 Month Jumbo Share Certificates
$100,000
4.32%
▼
Rate4.25%
Min Deposit$100,000
UpdatedOct 15, 2026
Details
Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; Penalty may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 3.96% → 4.32% ▲ 0.36 pts · high 4.32% / low 3.96%
- Oct 4, 20264.32%▲ from 3.96%
- Sep 12, 20263.96%first recorded
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
8916 Sabal Industrial Blvd, Tampa, FL 33619
Jumbo Certificate - 36 Months
$100,000
4.32%
▼
Rate4.25%
Min Deposit$100,000
UpdatedOct 14, 2026
Details
Jumbo Certificate rates require a $100,000.00 minimum deposit
Rate History
No change since Sep 14, 2026 · 4.32% APY · checked 7 times
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
3988 West Delphi Road, Sweetser, IN 46987
36 Month Certificate of Deposit
$1,000
4.32%
▼
Rate4.25%
Min Deposit$1,000
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
2 changes since Sep 11, 2026 · 3.03% → 4.32% ▲ 1.29 pts · high 4.32% / low 3.03%
- Oct 3, 20264.32%▲ from 3.80%
- Sep 24, 20263.80%▲ from 3.03%
- Sep 11, 20263.03%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
36-Month Super Jumbo Certificate
$0
4.32%
▼
Rate4.25%
Min Deposit$0
UpdatedOct 15, 2026
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.16% → 4.32% ▲ 0.16 pts · high 4.32% / low 4.16%
- Oct 4, 20264.32%▲ from 4.16%
- Sep 14, 20264.16%first recorded
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%
▼
Rate4.23%
Min Deposit$0
UpdatedOct 14, 2026
Details
Balance: $99,000 minimum; 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%
- Oct 2, 20264.31%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
500 E 1400 N, Logan, UT 84341
36 Month Share Certificates
$0
4.30%
▼
Rate4.22%
Min Deposit$0
UpdatedOct 15, 2026
Details
No additional details available.
Rate History
1 change since Oct 5, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
- Oct 15, 20264.30%▲ from 4.15%
- Oct 5, 20264.15%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
36 Month Certificate of Deposit
$0
4.30%
▼
Rate4.22%
Min Deposit$0
UpdatedOct 14, 2026
Details
Balance: $100,000.00+; Compounded/Credited: Monthly
Rate History
1 change since Sep 18, 2026 · 3.65% → 4.30% ▲ 0.65 pts · high 4.30% / low 3.65%
- Oct 14, 20264.30%▲ from 3.65%
- Sep 18, 20263.65%first recorded
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
2133 E Center St, Pocatello, ID 83201 2616
Share Certificates - 36 months
$0
4.30%
▼
Rate4.23%
Min Deposit$0
UpdatedOct 15, 2026
Details
Interest Rate: 4.23%; APY: 4.30%
Rate History
No change since Oct 12, 2026 · 4.30% APY · checked 2 times
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
36 Month Certificate
$0
4.30%
▼
Rate4.30%
Min Deposit$0
UpdatedOct 15, 2026
Details
Dividends credited monthly; Additional deposits not permitted; Early withdrawal penalties apply; Maximum $1,000,000.00 aggregate per Taxpayer Identification Number
Rate History
1 change since Sep 14, 2026 · 2.75% → 4.30% ▲ 1.55 pts · high 4.30% / low 2.75%
- Oct 5, 20264.30%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Iowa State Bank Clarksville, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
100 N Main St, Clarksville, IA 50619
36 Month CD
$5,000
4.30%
▼
Rate4.25%
Min Deposit$5,000
UpdatedOct 11, 2026
Details
Limited Time Only
Rate History
No change since Oct 3, 2026 · 4.30% APY · checked 3 times
Citizens Bank & Trust Company KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
201 E Main St, Campbellsville, KY 42718
3 Year Certificate of Deposit
$500
4.30%
▼
Rate4.30%
Min Deposit$500
UpdatedOct 14, 2026
Details
No additional details available.
Rate History
No change since Sep 20, 2026 · 4.30% APY · checked 7 times
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
36 Month IRA TDC
$0
4.30%
▼
Rate4.22%
Min Deposit$0
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 3, 20264.30%▲ from 4.10%
- Sep 24, 20264.10%first recorded
Citizens State Bank Sealy, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
222 Main St, Sealy, TX 77474
36 Month CD
$0
4.30%
▼
Rate—
Min Deposit$0
UpdatedOct 14, 2026
Details
Homepage banner: Rates up to 4.30% APY*; APY accurate as of 9/21/2026; minimum balance of $100,000 on a 36-month CD to earn 4.30% APY; penalties may apply; fees may reduce earnings
Rate History
No change since Sep 28, 2026 · 4.30% APY · checked 5 times
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
300 W Vine St, Lexington, KY 40507
Certificate of Deposit - 3 Years
$0
4.30%
▼
Rate4.21%
Min Deposit$0
UpdatedOct 14, 2026
Details
Minimum balance to obtain APY: $500
Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 3 times
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
3012 S 1900 W, Ogden, UT 84401
36 Month Certificate
$500
4.30%
▼
Rate4.21%
Min Deposit$500
UpdatedOct 13, 2026
Details
Dividend paid monthly
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
- Oct 13, 20264.30%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
2929 3rd Ave N, Escanaba, MI 49829 4203
36 Month Certificate
$500
4.30%
▼
Rate—
Min Deposit$500
UpdatedOct 15, 2026
Details
Substantial penalty for early withdrawals
Rate History
No change since Sep 16, 2026 · 4.30% APY · checked 6 times
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
Share Certificates - 3 Year
$0
4.29%
▼
Rate4.20%
Min Deposit$0
UpdatedOct 15, 2026
Details
Remarks: Credit Quarterly; Interest Compounded Daily; Penalty for early withdrawal applies
Rate History
1 change since Sep 14, 2026 · 3.72% → 4.29% ▲ 0.57 pts · high 4.29% / low 3.72%
- Oct 15, 20264.29%▲ from 3.72%
- Sep 14, 20263.72%first recorded
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1919 7th Ave, Altoona, PA 16602 2237
36 Month Traditional IRA Share Certificate
$0
4.28%
▼
Rate4.20%
Min Deposit$0
UpdatedOct 15, 2026
Details
Minimum balance for all Certificates is $500; early withdrawal fees/penalties may apply
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.28% ▲ 0.67 pts · high 4.28% / low 3.61%
- Oct 9, 20264.28%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
400 Main St, Greenfield, MA 01301
Certificate of Deposit - 36 Month
$1,000
4.28%
▼
Rate4.20%
Min Deposit$1,000
UpdatedOct 14, 2026
Details
No additional details available.
Rate History
No change since Oct 14, 2026 · 4.28% APY
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1295 State St, Springfield, MA 01111
Jumbo Share Certificate - 36 Month (jumbo)
$50,000
4.28%
▼
Rate4.20%
Min Deposit$50,000
UpdatedOct 15, 2026
Details
$50,000 minimum deposit to open and to earn stated dividend rate/yield; early withdrawal penalty may apply if closed before maturity
Rate History
No change since Oct 13, 2026 · 4.28% APY · checked 2 times
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
3 Year CD
$1,000
4.27%
▼
Rate4.20%
Min Deposit$1,000
UpdatedOct 14, 2026
Details
Balance: $100,000 & over; Penalty for early withdrawal applies; APY is based on quarterly compounding
Rate History
2 changes since Sep 20, 2026 · 4.16% → 4.27% ▲ 0.11 pts · high 4.27% / low 4.16%
- Oct 3, 20264.27%▲ from 4.22%
- Sep 24, 20264.22%▲ from 4.16%
- Sep 20, 20264.16%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
296 E CENTER STREET, MONTICELLO, UT 84535
36 Month Certificate
$0
4.27%
▼
Rate4.20%
Min Deposit$0
UpdatedOct 13, 2026
Details
Share Certificates
Rate History
1 change since Sep 14, 2026 · 3.55% → 4.27% ▲ 0.72 pts · high 4.27% / low 3.55%
- Oct 13, 20264.27%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
Certificate IRA (Traditional & Roth) - 36 Month
$1,000
4.26%
▼
Rate4.19%
Min Deposit$1,000
UpdatedOct 14, 2026
Details
IRA certificate; $1,000 minimum to open and to obtain APY; automatically renews at maturity
Rate History
No change since Oct 10, 2026 · 4.26% APY · checked 2 times
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1929 S Cedar Ave, Owatonna, MN 55060 4301
36 Month Term Share Certificates
$1,000
4.26%
▼
Rate4.20%
Min Deposit$1,000
UpdatedOct 13, 2026
Details
Dividends compounded and paid quarterly; early withdrawal penalty; 10 day grace period at end of term
Rate History
1 change since Sep 18, 2026 · 4.16% → 4.26% ▲ 0.10 pts · high 4.26% / low 4.16%
- Oct 13, 20264.26%▲ from 4.16%
- Sep 18, 20264.16%first recorded
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
13907 S Minuteman Dr, Draper, UT 84020
3 Year CD
$1,000
4.25%
▼
Rate—
Min Deposit$1,000
UpdatedOct 14, 2026
Details
Early withdrawal penalty: 365 days' simple interest; Interest compounds daily and pays monthly; Displayed rates accurate as of October 1, 2026
Rate History
1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 3, 20264.25%▲ from 4.00%
- Sep 20, 20264.00%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
36 Month Share Certificate
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
UpdatedOct 15, 2026
Details
Term Certificates (Minimum to Open $1,000.00)
Rate History
1 change since Sep 12, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 4, 20264.25%▲ from 3.75%
- Sep 12, 20263.75%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
610 SW 10th Ave, Topeka, KS 66612
Business Certificates - 36 Month
$500
4.25%
▼
Rate4.17%
Min Deposit$500
UpdatedOct 13, 2026
Details
$500 minimum to open Share Certificate; penalty for early withdrawal
Rate History
1 change since Sep 22, 2026 · 3.45% → 4.25% ▲ 0.80 pts · high 4.25% / low 3.45%
- Oct 13, 20264.25%▲ from 3.45%
- Sep 22, 20263.45%first recorded
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
36 MONTH IRA Share Certificate
$500
4.25%
▼
Rate4.16%
Min Deposit$500
UpdatedOct 14, 2026
Details
IRA Share Certificate; Dividend rates declared monthly; IRA may be assessed an Annual Fee, Transfer Fee, and Termination Fee. A penalty will/may be imposed for early withdrawal.
Rate History
No change since Oct 14, 2026 · 4.25% APY
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
3059 Joppa Ave S, Saint Louis Park, MN 55416
36 Month Certificate
$0
4.25%
▼
Rate4.18%
Min Deposit$0
UpdatedOct 11, 2026
Details
Create Account
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
First National Bank of Pulaski
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
206 S 1st St, Pulaski, TN 38478
36 Months CD with 1x Bump
$10,000
4.25%
▼
Rate—
Min Deposit$10,000
UpdatedOct 14, 2026
Details
APYs stated effective 08/18/26; offer subject to change at any time. One-time rate bump during the CD term, with the new rate set by the book rate for a 36 month CD and effective for the remaining CD term. APY assumes interest remains on deposit until maturity. Early withdrawal penalties may apply. Not available to financial institutions or public funds. Certificate of Deposit page lists $2,000 minimum to open.
Rate History
No change since Oct 2, 2026 · 4.25% APY · checked 2 times
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
508 State St, Fremont, MI 49412
36 Month Share Certificate
$0
4.25%
▼
Rate4.17%
Min Deposit$0
UpdatedOct 15, 2026
Details
Rates effective October 1, 2026
Rate History
No change since Sep 25, 2026 · 4.25% APY · checked 4 times
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
36-Month CD
$0
4.25%
▼
Rate4.16%
Min Deposit$0
UpdatedOct 14, 2026
Details
Personal Certificate of Deposit Accounts; Automatically renews at maturity; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1512 Gause Blvd, Slidell, LA 70458
3-Year Regular Certificate or IRA Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
UpdatedOct 15, 2026
Details
Deposit: $10,000+
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
214 Oil Well Rd, Jackson, TN 38305 7914
12/24/36 Month Certificate Special
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
UpdatedOct 9, 2026
Details
New money only (not on deposit within last 30 days). Compounded monthly.
Rate History
No change since Oct 9, 2026 · 4.25% APY
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4926 La Cuenta Dr, San Diego, CA 92124 2609
36 Month Share Certificate
$0
4.25%
▼
Rate4.18%
Min Deposit$0
UpdatedOct 15, 2026
Details
No additional details available.
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
36 Month View Today's Full List of CD Offerings here
$100,000
4.25%
▼
Rate—
Min Deposit$100,000
UpdatedOct 11, 2026
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
36 Month Certificate
$500
4.25%
▼
Rate4.18%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 7 times
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
815 N Freedom Blvd, Provo, UT 84604 3315
36 Month Term Share Certificates
$1,000
4.25%
▼
Rate4.18%
Min Deposit$1,000
UpdatedOct 13, 2026
Details
Dividend Frequency: Quarterly; $1,000 required to open regular and IRA certificate accounts; $500 required to open youth certificate accounts
Rate History
No change since Oct 13, 2026 · 4.25% APY
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
8395 W Sunset Rd, Las Vegas, NV 89113
36 Month IRA Term Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
UpdatedOct 14, 2026
Details
Penalty may be imposed for withdrawals prior to maturity
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
- Oct 14, 20264.25%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
36 Month Jumbo Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
UpdatedOct 14, 2026
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2890 Transit Rd, Newfane, NY 14108 9740
36 Month Share Certificates & IRA Certificates
$0
4.25%
▼
Rate4.17%
Min Deposit$0
UpdatedOct 15, 2026
Details
Early withdrawal penalties may apply
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25%
- Oct 9, 20264.25%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
221 S York Rd, Hatboro, PA 19040
3 Year CD
$1,000
4.25%
▼
Rate4.18%
Min Deposit$1,000
UpdatedOct 14, 2026
Details
Interest compounded: Quarterly
Rate History
1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 14, 20264.25%▲ from 4.00%
- Sep 20, 20264.00%first recorded
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
110 W Oklahoma Ave, Anadarko, OK 73005
Individual Retirement Accounts (IRA) - 36 Month IRA
$500
4.25%
▼
Rate4.18%
Min Deposit$500
UpdatedOct 14, 2026
Details
Interest Paid: Quarterly; Rates Effective as of 8/20/2026
Rate History
No change since Oct 14, 2026 · 4.25% APY
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
310 E Graham Ave, Pryor, OK 74361
Certificates of Deposit (CDs) - 36 month
$1,000
4.25%
▼
Rate—
Min Deposit$1,000
UpdatedOct 14, 2026
Details
Early withdrawal penalties of 12 months apply; APY based on monthly compounding
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 3 times
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
175 Hopper Ave, De Kalb, MS 39328
Business Certificates of Deposit (CDs) - 36 Months
$0
4.25%
▼
Rate—
Min Deposit$0
UpdatedOct 14, 2026
Details
Penalty: 9 Months
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 24, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
235 Quincy St, Hancock, MI 49930
36 Month CD
$500
4.25%
▼
Rate—
Min Deposit$500
UpdatedOct 14, 2026
Details
Annual Percentage Yield compounded quarterly; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 19, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Oct 14, 20264.25%▲ from 3.85%
- Sep 19, 20263.85%first recorded
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
419 Rutherford Ave NE, Roanoke, VA 24022
IRA Certificates - 3 Year Term
$500
4.25%
▼
Rate4.18%
Min Deposit$500
UpdatedOct 14, 2026
Details
Minimum opening balance $500; Dividend Rate 4.18%; Dividends compounded and credited quarterly; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.25% APY
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
IRA Certificate 36 Month
$500
4.25%
▼
Rate4.16%
Min Deposit$500
UpdatedOct 14, 2026
Details
IRA products not available online; open at any branch or by calling 1-800-877-6440
Rate History
No change since Oct 14, 2026 · 4.25% APY
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
120 W King St, Garrett, IN 46738
36 Month Advantage
$2,500
4.25%
▼
Rate4.18%
Min Deposit$2,500
UpdatedOct 15, 2026
Details
Early withdrawal penalty may be imposed; must have Garrett State Bank deposit account with a direct deposit; allows two rate changes (bumps) during the 36 month term
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 15, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2514 Via Tejon, Palos Verdes Peninsula, CA 90274
3 Year Online CD
$0
4.25%
▼
Rate—
Min Deposit$0
UpdatedOct 14, 2026
Details
Interest Calculation: Compounded Daily; Early Withdrawal: Penalty; Online Only; APY accurate as of 09/25/2026; $25,000 minimum balance required to obtain the 4.25% APY
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 28, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
36 Month CD
$0
4.25%
▼
Rate4.16%
Min Deposit$0
UpdatedOct 14, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- Oct 1, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1177 West Loop S, Houston, TX 77027
Consumer 36 Month CD
$500
4.25%
▼
Rate4.17%
Min Deposit$500
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 24, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
36 Month Business Jumbo Share Certificate
$35,000
4.25%
▼
Rate4.17%
Min Deposit$35,000
UpdatedOct 13, 2026
Details
Dividends compounded & paid monthly; Early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 4.25% APY
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
310 W 12th Ave, Emporia, KS 66801
Certificates - 36 Months
$1,000
4.25%
▼
Rate4.25%
Min Deposit$1,000
UpdatedOct 15, 2026
Details
No additional details available.
Rate History
1 change since Sep 16, 2026 · 2.50% → 4.25% ▲ 1.75 pts · high 4.25% / low 2.50%
- Oct 15, 20264.25%▲ from 2.50%
- Sep 16, 20262.50%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
CD (Certificate of Deposit) - 36 Month
$25,000
4.25%
▼
Rate4.18%
Min Deposit$25,000
UpdatedOct 14, 2026
Details
Balance: $25,000 or more
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 22, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
675 E 100 N, Price, UT 84501
Share Certificate - 36 Month Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
UpdatedOct 13, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Oct 5, 20264.25%▲ from 3.85%
- Sep 14, 20263.85%first recorded
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
Certificates - 36 Month
$0
4.25%
▼
Rate4.18%
Min Deposit$0
UpdatedOct 13, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 9, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
300 Arneill Rd, Camarillo, CA 93010
3 Year Term Share Certificate
$500
4.25%
▼
Rate4.17%
Min Deposit$500
UpdatedOct 15, 2026
Details
Stated rate 4.169%, APY 4.250%
Rate History
1 change since Sep 25, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 4, 20264.25%▲ from 3.75%
- Sep 25, 20263.75%first recorded
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
7288 Highway 509, Mansfield, LA 71052
36 Month Share Certificate/IRA Share Certificate
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
UpdatedOct 15, 2026
Details
No additional details available.
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
3 Year Regular, IRA & Business Jumbo Certificates
$0
4.24%
▼
Rate4.16%
Min Deposit$0
UpdatedOct 14, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 3.91% → 4.24% ▲ 0.33 pts · high 4.24% / low 3.91%
- Oct 1, 20264.24%▲ from 3.91%
- Sep 18, 20263.91%first recorded
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
777 E Main St, Torrington, CT 06790 3915
36 Month Share Certificate
$0
4.23%
▼
Rate4.15%
Min Deposit$0
UpdatedOct 15, 2026
Details
Type: Regular/IRA; $500 Minimum Balance Required; dividends declared and paid monthly; early withdrawal penalty may apply
Rate History
No change since Oct 15, 2026 · 4.23% APY
Seaport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
5080 McLester St, Elizabeth, NJ 07201
Share Certificate - 36 Months
$0
4.23%
▼
Rate4.15%
Min Deposit$0
UpdatedOct 15, 2026
Details
Share Certificate Type
Rate History
No change since Oct 13, 2026 · 4.23% APY · checked 2 times
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
10903 New Hampshire Ave, Silver Spring, MD 20993
36 Month Share & IRA Share Certificates
$0
4.23%
▼
Rate4.15%
Min Deposit$0
UpdatedOct 15, 2026
Details
Share Certificate APY is based on a $1,000 deposit and may vary based on the amount of deposit; Early withdrawal penalty: 180 days' dividends
Rate History
No change since Oct 15, 2026 · 4.23% APY
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
211 W Center St, Alma, MI 48801 2206
36 Month Timed Certificate
$1,000
4.23%
▼
Rate4.15%
Min Deposit$1,000
UpdatedOct 13, 2026
Details
No additional details available.
Rate History
No change since Oct 13, 2026 · 4.23% APY
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
4050 Alpha Rd Ste 120, Farmers Branch, TX 75244
36 Month Jumbo or IRA CD
$25,000
4.23%
▼
Rate4.15%
Min Deposit$25,000
UpdatedOct 13, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.23% ▲ 0.31 pts · high 4.23% / low 3.92%
- Oct 13, 20264.23%▲ from 3.92%
- Sep 14, 20263.92%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (3 year)
$250,001
4.23%
▼
Rate4.15%
Min Deposit$250,001
UpdatedOct 15, 2026
Details
No additional details available.
Rate History
No change since Sep 21, 2026 · 4.23% APY · checked 7 times
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
36 Month Certificate
$1,000
4.23%
▼
Rate4.15%
Min Deposit$1,000
UpdatedOct 15, 2026
Details
Regular Share Certificate; rates effective October 15, 2026
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 24, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3251 BROADWAY St, CHEEKTOWAGA, NY 14227 1033
3 Year Share Certificate
$0
4.22%
▼
Rate4.15%
Min Deposit$0
UpdatedOct 15, 2026
Details
Penalty for early withdrawal: 180 days of accrued interest for 2, 3, and 4 year certificates
Rate History
No change since Oct 13, 2026 · 4.22% APY · checked 2 times
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
138 W Broadway, Plainview, MN 55964
36 Month Certificate of Deposit
$500
4.22%
▼
Rate4.15%
Min Deposit$500
UpdatedOct 14, 2026
Details
Balance: $100,000 and over
Rate History
No change since Sep 19, 2026 · 4.22% APY · checked 7 times
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
401 N Smith Ave, Kenesaw, NE 68956
36 Month Certificate of Deposit (CD)
$0
4.22%
▼
Rate4.15%
Min Deposit$0
UpdatedOct 11, 2026
Details
Balance: >= $150,000
Rate History
1 change since Sep 14, 2026 · 2.88% → 4.22% ▲ 1.34 pts · high 4.22% / low 2.88%
- Sep 24, 20264.22%▲ from 2.88%
- Sep 14, 20262.88%first recorded
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
316 E Bremer Ave, Waverly, IA 50677
36 Month Raise-A-Rate
$5,000
4.21%
▼
Rate4.17%
Min Deposit$5,000
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
1 change since Oct 7, 2026 · 4.00% → 4.21% ▲ 0.21 pts · high 4.21% / low 4.00%
- Oct 11, 20264.21%▲ from 4.00%
- Oct 7, 20264.00%first recorded
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
3876 W Center view Way, West Jordan, UT 84084
36 month Certificate (CD)
$500
4.20%
▼
Rate4.12%
Min Deposit$500
UpdatedOct 13, 2026
Details
Early withdrawal penalties may apply
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.20% ▲ 0.05 pts · high 4.20% / low 4.15%
- Sep 25, 20264.20%▲ from 4.15%
- Sep 14, 20264.15%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
36 Month Term Share Certificate
$0
4.20%
▼
Rate4.11%
Min Deposit$0
UpdatedOct 14, 2026
Details
Jumbo tier ($95,000+); Compounded daily, paid quarterly
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 10, 20264.20%▲ from 3.90%
- Oct 6, 20263.90%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1980 W Broad St, Columbus, OH 43223
36 Month Business Certificates Standard
$500
4.20%
▼
Rate—
Min Deposit$500
UpdatedOct 13, 2026
Details
ConnectMORE APY; requires ConnectMORE Royal Rewards membership
Rate History
1 change since Sep 22, 2026 · 3.40% → 4.20% ▲ 0.80 pts · high 4.20% / low 3.40%
- Oct 13, 20264.20%▲ from 3.40%
- Sep 22, 20263.40%first recorded
Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
3800 Sheppard Access Rd, Wichita Falls, TX 76306
3 Year Share Certificates
$0
4.20%
▼
Rate4.11%
Min Deposit$0
UpdatedOct 13, 2026
Details
Compounded monthly
Rate History
1 change since Sep 14, 2026 · 2.79% → 4.20% ▲ 1.42 pts · high 4.20% / low 2.79%
- Sep 29, 20264.20%▲ from 2.79%
- Sep 14, 20262.79%first recorded
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
4185 Harrison Blvd, Ogden, UT 84403
36 Month Business CD
$1,000
4.20%
▼
Rate—
Min Deposit$1,000
UpdatedOct 14, 2026
Details
Rates current as of October 14, 2026; new CDs only; APY assumes interest remains on deposit until maturity
Rate History
No change since Oct 14, 2026 · 4.20% APY
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
36 Month Jumbo Certificates
$0
4.20%
▼
Rate4.13%
Min Deposit$0
UpdatedOct 15, 2026
Details
Jumbo
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
- Oct 4, 20264.20%▲ from 3.70%
- Sep 14, 20263.70%first recorded
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Park Ave, Worcester, MA 01609
36 Months Term Share Certificate (CD & IRA) - Jumbo CD
$50,000
4.20%
▼
Rate—
Min Deposit$50,000
UpdatedOct 14, 2026
Details
Jumbo CD - min $50,000; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.20% APY
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
280 E 12300 S, Draper, UT 84020
36 Month Roth Certificate
$0
4.20%
▼
Rate4.12%
Min Deposit$0
UpdatedOct 13, 2026
Details
Section: Certificates / IRA Certificates / Roth IRA Certificates
Rate History
No change since Oct 13, 2026 · 4.20% APY
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
724 Front St, Cashton, WI 54619
3 Year CD
$1,000
4.20%
▼
Rate4.14%
Min Deposit$1,000
UpdatedOct 11, 2026
Details
A penalty of 182 days of interest may be imposed for all other CD terms unless specified differently. APY is subject to change without prior notice.
Rate History
1 change since Sep 14, 2026 · 3.45% → 4.20% ▲ 0.75 pts · high 4.20% / low 3.45%
- Oct 3, 20264.20%▲ from 3.45%
- Sep 14, 20263.45%first recorded
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
2665 Reserve Rd, Houghton Lake, MI 48629
36 MONTH CD
$50,000
4.20%
▼
Rate—
Min Deposit$50,000
UpdatedOct 13, 2026
Details
Certificate Rates effective Monday, October 12, 2026; CD rates reflect the same rates for IRA CDs
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
- Oct 9, 20264.20%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
725 N Main St, Moab, UT 84532 2132
3 year CD
$500
4.20%
▼
Rate4.13%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Oct 9, 20264.20%▲ from 4.15%
- Sep 29, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
3000 N University Dr, Sunrise, FL 33322 1611
36 Month Term Jumbo Certificate
$50,000
4.20%
▼
Rate4.12%
Min Deposit$50,000
UpdatedOct 14, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
- Oct 10, 20264.20%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
3 Year Business Certificate of Deposit
$0
4.20%
▼
Rate4.14%
Min Deposit$0
UpdatedOct 14, 2026
Details
Balance: $100,000.00 and higher; Interest Compounded: Quarterly; Interest Credited: Quarterly
Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 3 times
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
36 Month JUMBO certificates
$100,000
4.20%
▼
Rate4.12%
Min Deposit$100,000
UpdatedOct 13, 2026
Details
Effective: October 1, 2026
Rate History
1 change since Sep 18, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
- Oct 13, 20264.20%▲ from 4.10%
- Sep 18, 20264.10%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
555 US Highway 50 E, Dayton, NV 89403
36 Month Share Certificate
$500
4.20%
▼
Rate4.12%
Min Deposit$500
UpdatedOct 14, 2026
Details
Minimum balance $500
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.20% ▲ 0.80 pts · high 4.20% / low 3.40%
- Oct 14, 20264.20%▲ from 3.40%
- Sep 14, 20263.40%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
Premium Certificates of Deposit (CD) - 36 months
$0
4.20%
▼
Rate—
Min Deposit$0
UpdatedOct 14, 2026
Details
Balance: $75,000+; Dividends compounded monthly and paid monthly; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 7 times
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
3003 2nd St, Rainbow City, AL 35906 5979
Share Certificate - 36 Months
$500
4.20%
▼
Rate4.14%
Min Deposit$500
UpdatedOct 14, 2026
Details
Dividends compounded quarterly. Early withdrawal penalty of 2% of principal balance or 1 year of interest, whichever is less.
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
654 SOUTHWAY AVE, LEWISTON, ID 83501
36 Month Share Certificates
$0
4.20%
▼
Rate—
Min Deposit$0
UpdatedOct 14, 2026
Details
No additional details available.
Rate History
No change since Sep 27, 2026 · 4.20% APY · checked 3 times
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates - 36 Month
$0
4.20%
▼
Rate4.13%
Min Deposit$0
UpdatedOct 13, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 13, 20264.20%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
225 RIVER RD, MEXICO, ME 04257
Share Certificates & IRA Certificates - 36 Month Certificate
$1,000
4.20%
▼
Rate—
Min Deposit$1,000
UpdatedOct 15, 2026
Details
No additional details available.
Rate History
No change since Oct 15, 2026 · 4.20% APY · checked 2 times
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
832 Cleveland St, Elyria, OH 44035 4141
36 Month Certificate/IRA
$500
4.20%
▼
Rate—
Min Deposit$500
UpdatedOct 14, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 10, 20264.20%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
94 HIGHLAND AVE, WINTHROP, ME 04364
Share and IRA Certificate - 36 Months
$500
4.19%
▼
Rate4.10%
Min Deposit$500
UpdatedOct 14, 2026
Details
Share and IRA Certificates ($500 minimum); As of October 2, 2026
Rate History
No change since Oct 14, 2026 · 4.19% APY
Firefighters And Company Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
338 S Patterson Blvd, Dayton, OH 45402 2845
36 Month Share Certificate
$0
4.19%
▼
Rate4.11%
Min Deposit$0
UpdatedOct 15, 2026
Details
Eligible accounts: Money Market, HSA and IRA
Rate History
3 changes since Sep 25, 2026 · 4.16% → 4.19% ▲ 0.03 pts · high 4.19% / low 4.16%
- Oct 15, 20264.19%▲ from 4.16%
- Oct 12, 20264.16%▼ from 4.19%
- Oct 8, 20264.19%▲ from 4.16%
- Sep 25, 20264.16%first recorded
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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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
6,485
36-Month CD Rates
Tracked Nationwide
Tracked Nationwide
3,116 Institutions
About Our 36-month CD Rate Database
MonitorBankRates tracks 6,485 36-month CD rates from 3,116 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 (1–5), 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: 1st Community Credit Union offers a 36-month CD at 5.13% APY with a minimum deposit of $500. Use the rate table above to compare all current offers.
36-Month CD Rate Trend
Daily national average APY for 36-month CDs
Daily averages compiled from our database of 8,500+ banks and credit unions — updated daily.
36-Month CD — National Avg
2.820%
▲ 0.010 vs 7 days ago
National 36-month CD rates rose 0.010 points over the past 7 days to 2.820% APY, up from 2.810% 7 days ago.
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36-month CD Rate Forecast — Next 12 Months
Where are 36-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.
Current Avg APY
2.820%
6-Month Forecast
2.820%
Range: 2.62% – 2.97%
12-Month Forecast
2.570%
Range: 2.37% – 2.72%
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CD Calculators
36-month CD Calculator
Enter any deposit amount to see exactly how much interest you earn at the end of your 36-month term at today’s top APY.
CD Ladder with 36 months RungUse a 3-year CD as a higher-yield anchor in your ladder. Model how combining it with 12 and 24-month terms creates a steady stream of maturing funds while maximizing long-term yield.
Early Withdrawal Penalty36-month CDs typically carry a 180–365 days interest penalty for early access. Calculate your actual net return if you need funds before maturity.
36-month CD vs. High-Yield Savings3-year CD rates typically offer a meaningful premium over savings accounts. Compare both to see if the 3-year lock-up is justified by the higher fixed APY.
How to Find the Best 36-month CD Rates
What to compare when shopping for a 36-month CD
To find the best APYs on a 36-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 36-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 36-month CD Makes Sense
- You have a planned purchase or expense in ~36 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 want a higher rate than 1 or 2-year CDs offer and can commit savings for a full 3-year term
- 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
36-month CD vs. Other Savings Options
| Feature | 36-month CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked 36 months | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (30–90 days 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 near-term goal, CD ladder start | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
36-Month CD FAQs
What is a 36-Month (3-Year) Certificate of Deposit?
A 36-month CD is a savings account that holds a fixed amount of money for three years. In exchange for that commitment, banks typically offer a higher fixed interest rate than shorter-term savings products.
How do 3-year CD rates compare to shorter-term CDs?
In a normal yield curve environment, 3-year CDs offer higher rates than 1- or 2-year CDs. In an inverted or flat yield curve, shorter terms can sometimes match or exceed longer ones, so compare all available terms before deciding.
Is my money safe in a 36-month CD?
Yes. CDs at FDIC-insured banks or NCUA-insured credit unions are insured up to $250,000 per depositor, per institution, giving you full principal protection up to that limit.
What happens if I withdraw money from a 3-year CD early?
Early withdrawal penalties on 36-month CDs are typically steeper than on shorter-term CDs, often equivalent to 6 to 12 months of interest. Review the specific penalty terms at your chosen institution before opening.
What is APY and why does it matter for a 3-year CD?
APY (Annual Percentage Yield) accounts for compounding and reflects the true annual return on your deposit. Over a 3-year term, even small APY differences compound into meaningful earnings differences.
Is a 36-month CD a good choice if interest rates might rise?
If you expect rates to rise significantly, a 3-year CD locks you in at today's rate. A CD ladder spreading deposits across multiple terms is a common hedge, letting you reinvest shorter-term CDs at higher rates if the market moves up.
How can I use a 36-month CD in a CD ladder?
A 36-month CD anchors the longer end of a CD ladder. Combine it with 12-month and 24-month CDs so you have a maturing CD every year. When shorter rungs mature, reinvest them into new 36-month CDs to maintain your ladder while keeping some funds accessible annually.
Is a 36-month CD better than a 24-month CD?
A 36-month CD typically offers a higher APY than a 24-month CD, but commits your funds for an additional year. It makes the most sense when the yield premium over shorter terms is meaningful and you don't anticipate needing the funds for 3 years. If rates are expected to rise, a shorter term gives you more flexibility to reinvest at higher rates.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate 36-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 3-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.
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 15, 2026
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