Best 48-Month CD Rates - March 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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.
Top 48-month CD rates currently available include Italo American Credit UnionItalo American Credit Union6652 Myrtle Ave, Glendale, NY 11385 7057A+5.0 ★Texas Ratio: 2.78% offering Regular IRA And Roth IRA 3 and 4 year at 5.00% APY, and Cornerstone State BankCornerstone State Bank500 Main St, Madison Lake, MN 56063A+5.0 ★Texas Ratio: 0.88% offering IRA 36-48 month C.D. at 4.55% APY, and Priority Plus Federal Credit UnionPriority Plus Federal Credit Union6 LYNAM ST, WILMINGTON, DE 19804A+5.0 ★Texas Ratio: 2.58% offering 48 mo Certificate at 4.32% APY, and Tower Federal Credit UnionTower Federal Credit Union7901 Sandy Spring Rd, Laurel, MD 20707A+5.0 ★Texas Ratio: 1.36% offering 4 year Mini-Jumbo IRA Share Certificates at 4.30% APY.
A 5-year CD is the longest standard CD term, designed for savers who want to maximize fixed yield and are comfortable locking in funds for the long term. It is often the highest-yielding option available and pairs naturally with retirement or long-term savings goals. We display Safety Grades, Star Ratings, and Texas Ratios so you can choose a stable institution 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. 60-Month CD Rates Last Updated and Verified: March 19, 2026
Compare the Best 48-Month CD Rates Nationwide
Institution
Product
Min Deposit
APY
Profile
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA 3 and 4 year
$0
5.00%
▼
Rate—
Min Deposit$0
UpdatedMar 14, 2026
Details
No additional details available.
Cornerstone State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
500 Main St, Madison Lake, MN 56063
IRA 36-48 month C.D.
$500
4.55%
▼
Rate4.50%
Min Deposit$500
UpdatedMar 16, 2026
Details
$75,000 to $199,999.99
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
6 LYNAM ST, WILMINGTON, DE 19804
48 mo Certificate
$0
4.32%
▼
Rate4.25%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
4 year Mini-Jumbo IRA Share Certificates
$20,000
4.30%
▼
Rate4.21%
Min Deposit$20,000
UpdatedMar 15, 2026
Details
No additional details available.
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2 The Credit Union Way, Fairmont, WV 26554 1567
Traditional & Roth IRA Certificates 48 month
$0
4.20%
▼
Rate4.12%
Min Deposit$0
UpdatedMar 18, 2026
Details
No additional details available.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
48 Month Fixed Rate IRA Certificates
$500
4.11%
▼
Rate4.05%
Min Deposit$500
UpdatedMar 19, 2026
Details
No additional details available.
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
48 Month Share One-Time Bump Certificates of Deposit
$0
4.05%
▼
Rate—
Min Deposit$0
UpdatedMar 17, 2026
Details
Automatic Renewal to Regular Certificate
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
802 Ames St, Baldwin City, KS 66006
48 Month CD or IRA Jumbo
$500
4.04%
▼
Rate4.00%
Min Deposit$500
UpdatedMar 14, 2026
Details
No additional details available.
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
1110 Elkton Rd, Newark, DE 19711
SPECIAL PROMOTION: Certificates for New Funds to American Spirit FCU Only Share Certificate (48-Month)
$0
4.01%
▼
Rate4.00%
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
Business 4 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
UpdatedMar 18, 2026
Details
No additional details available.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
411 Theodore Fremd Ave, Rye, NY 10580
48 Month Certificate
$0
3.95%
▼
Rate3.87%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (4 year)
$0
3.92%
▼
Rate3.85%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
48 Month Jumbo Bump Up CD
$0
3.91%
▼
Rate3.85%
Min Deposit$0
UpdatedMar 11, 2026
Details
No additional details available.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
48-month Certificate
$500
3.90%
▼
Rate3.83%
Min Deposit$500
UpdatedMar 17, 2026
Details
No additional details available.
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Jumbo Step Up Certificates 4 Year
$90,000
3.87%
▼
Rate3.80%
Min Deposit$90,000
UpdatedMar 14, 2026
Details
No additional details available.
GSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
1800 F St NW # 1211, Washington, DC 20405 0001
48 month Share Certificate
$0
3.86%
▼
Rate3.80%
Min Deposit$0
UpdatedMar 14, 2026
Details
No additional details available.
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Jumbo 48 month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
UpdatedMar 14, 2026
Details
Over $90,000
Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12205 Metro Pkwy, Fort Myers, FL 33966
CERTIFICATES OF DEPOSIT 48 Month
$5,000
3.82%
▼
Rate3.75%
Min Deposit$5,000
UpdatedMar 14, 2026
Details
No additional details available.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
48 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT 84129 2525
4 Year Certificate
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
UpdatedMar 16, 2026
Details
No additional details available.
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
48 Month IRA Certificates
$0
3.79%
▼
Rate3.75%
Min Deposit$0
UpdatedMar 19, 2026
Details
No additional details available.
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
CD & IRA 48 Month
$0
3.77%
▼
Rate3.70%
Min Deposit$0
UpdatedMar 13, 2026
Details
No additional details available.
Wyrope Williamsport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1536 Riverside Dr, S Williamsport, PA 17702
4 year Share Certificates
$0
3.76%
▼
Rate3.70%
Min Deposit$0
UpdatedMar 15, 2026
Details
$25,000+
Atrium Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
6051 Market Ave Ste C, Middletown, OH 45005 5239
IRA 48 Month Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
UpdatedMar 17, 2026
Details
No additional details available.
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 12.46%
307 Main St, Westmoreland, KS 66549
48 Month CD
$1,000
3.73%
▼
Rate3.70%
Min Deposit$1,000
UpdatedMar 16, 2026
Details
No additional details available.
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, Yonkers, NY 10701
4-Year Share Certificate
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
UpdatedMar 15, 2026
Details
No additional details available.
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
5121 Whiteford Rd, Sylvania, OH 43560
48 Month Certificate
$500
3.71%
▼
Rate3.65%
Min Deposit$500
UpdatedMar 16, 2026
Details
No additional details available.
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
23910 Railroad Ave, Plaquemine, LA 70764
48 Month CD
$0
3.70%
▼
Rate—
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
Peoples Bank Lebanon, KY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
265 Old Springfield Rd, Lebanon, KY 40033
48 Month CD
$0
3.68%
▼
Rate3.65%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
3131 Mishicot Rd, Two Rivers, WI 54241
Share Certificates and IRA Certificates 48 month
$0
3.67%
▼
Rate3.60%
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 48-MONTH CERTIFICATE
$0
3.66%
▼
Rate3.60%
Min Deposit$0
UpdatedMar 15, 2026
Details
$50,000 to $99,999.99
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
2929 3rd Ave N, Escanaba, MI 49829 4203
48 Month IRA Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
4 Year Certificates of Deposit
$25,000
3.64%
▼
Rate3.59%
Min Deposit$25,000
UpdatedMar 19, 2026
Details
No additional details available.
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 48 Month to 59 Month
$0
3.62%
▼
Rate3.57%
Min Deposit$0
UpdatedMar 14, 2026
Details
No additional details available.
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
3064 Ohio St, Michigan City, IN 46360 6866
48 Mo. Certificate
$0
3.61%
▼
Rate—
Min Deposit$0
UpdatedMar 14, 2026
Details
No additional details available.
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2115 Linwood Ave, Fort Lee, NJ 07024
48 Month Certificate of Deposit - Branch
$500
3.60%
▼
Rate3.54%
Min Deposit$500
UpdatedMar 18, 2026
Details
No additional details available.
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
702 W Illinois St, New Berlin, IL 62670
48 Month CD
$0
3.58%
▼
Rate3.55%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
106 E Main St, Raritan, IL 61471
48 Month CD
$5,000
3.56%
▼
Rate3.50%
Min Deposit$5,000
UpdatedMar 11, 2026
Details
No additional details available.
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL 36109
Business Share Certificates 4 Year
$500
3.55%
▼
Rate3.50%
Min Deposit$500
UpdatedMar 15, 2026
Details
No additional details available.
Commercial State Bank, of Wagner
Institution Rating:
A-5.0 ★Texas Ratio: 14.86%
204 S Main Ave, Wagner, SD 57380
48-Month Certificates of Deposit
$500
3.54%
▼
Rate3.50%
Min Deposit$500
UpdatedMar 18, 2026
Details
QUARTERLY
FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
401 Sunday Lake St, Wakefield, MI 49968
48 mo Certificates of Deposit
$50,000
3.53%
▼
Rate3.50%
Min Deposit$50,000
UpdatedMar 19, 2026
Details
No additional details available.
Thayer County Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
402 Lincoln Ave, Hebron, NE 68370
48 Month CD
$75,000
3.52%
▼
Rate3.47%
Min Deposit$75,000
UpdatedMar 15, 2026
Details
No additional details available.
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
IRA Roth or Traditional SC 48 Mo.
$500
3.51%
▼
Rate3.45%
Min Deposit$500
UpdatedMar 16, 2026
Details
No additional details available.
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
715 Terrace St, Muskegon, MI 49440
48 month Certificate of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
Port Richmond Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2522 E Allegheny Ave, Philadelphia, PA 19134
48 month Certificates of Deposit
$500
3.49%
▼
Rate3.43%
Min Deposit$500
UpdatedMar 17, 2026
Details
No additional details available.
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
310 Caldwell St, Chillicothe, OH 45601
Share and IRA Jumbo Certificates 48 Mo.
$0
3.46%
▼
Rate—
Min Deposit$0
UpdatedMar 14, 2026
Details
No additional details available.
Credit Union Of Denver Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
IRA 48 Month Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
UpdatedMar 18, 2026
Details
No additional details available.
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO 63128
Certificates of Deposit - 48-month term
$0
3.44%
▼
Rate—
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
48 month CD and over
$100,000
3.43%
▼
Rate3.40%
Min Deposit$100,000
UpdatedMar 15, 2026
Details
$100,000
Rate3.35%
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
1301 Post Rd, Plover, WI 54467
4 Year CD
$0
3.40%
▼
Rate3.35%
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
Bank of the Valley
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
100 S 3rd St, Humphrey, NE 68642
48 MONTH Certificates of Deposit
$0
3.39%
▼
Rate3.35%
Min Deposit$0
UpdatedMar 18, 2026
Details
No additional details available.
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1620 Lonnie Abbott Blvd, Ada, OK 74820
48 Mo. Term Share (Certificate) / IRA
$0
3.36%
▼
Rate3.31%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
840 Hitching Post Dr, Green River, WY 82935 5554
48 Month IRA Certificate
$0
3.35%
▼
Rate3.31%
Min Deposit$0
UpdatedMar 15, 2026
Details
Dividends Post Quarterly
Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
1405 N Main St, Huntingburg, IN 47542
Certificate of Deposit (7) 4 year
$0
3.34%
▼
Rate3.30%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
48 Month CD
$25,000
3.33%
▼
Rate—
Min Deposit$25,000
UpdatedMar 15, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
11030 Hull Street Rd, Midlothian, VA 23112
48 month certificate
$5,000
3.31%
▼
Rate3.26%
Min Deposit$5,000
UpdatedMar 15, 2026
Details
No additional details available.
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
48 Month Certificate Regular Certificate
$500
3.30%
▼
Rate—
Min Deposit$500
UpdatedMar 17, 2026
Details
No additional details available.
PSE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
472 Weston Canal Rd, Somerset, NJ 08873
IRA 4 Year
$500
3.29%
▼
Rate3.25%
Min Deposit$500
UpdatedMar 17, 2026
Details
No additional details available.
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
110 E Walnut St, Okawville, IL 62271
48 Month Certificate
$0
3.28%
▼
Rate3.25%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6230 Orchard Lake Rd, West Bloomfield, MI 48322
IRA Certificates 48 Month
$0
3.27%
▼
Rate3.25%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4550 STATE ST, SAGINAW, MI 48603
Share Certificates 48 Month
$0
3.25%
▼
Rate—
Min Deposit$0
UpdatedMar 14, 2026
Details
No additional details available.
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
506 Main Street, Lerna, IL 62440
48 Month Certificate of Deposit
$1,000
3.24%
▼
Rate3.20%
Min Deposit$1,000
UpdatedMar 15, 2026
Details
No additional details available.
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
159 W James St, Columbus, WI 53925
48 Month HSA CD
$1,000
3.23%
▼
Rate3.20%
Min Deposit$1,000
UpdatedMar 16, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
5175 Parkstone Dr Ste 200, Chantilly, VA 20151 3816
Traditional IRA and Roth IRA Certificate 48 month
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
UpdatedMar 14, 2026
Details
No additional details available.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
48 month Certificates and IRA Certificates
$0
3.20%
▼
Rate3.15%
Min Deposit$0
UpdatedMar 13, 2026
Details
No additional details available.
Security Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
1 Sw 1st St, Afton, OK 74331
48 Month CD
$0
3.19%
▼
Rate3.15%
Min Deposit$0
UpdatedMar 11, 2026
Details
No additional details available.
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
28954 Chardon Rd, Willoughby Hills, OH 44092
Certificate of Deposit 48 month
$0
3.18%
▼
Rate3.15%
Min Deposit$0
UpdatedMar 13, 2026
Details
No additional details available.
SOUTHLAND
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
2601 S John Redditt Dr, Lufkin, TX 75904 5624
48 Month Certificate
$0
3.16%
▼
Rate3.15%
Min Deposit$0
UpdatedMar 17, 2026
Details
Starting at $10,000+
Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.16%
101 Western Ave, Hampden, ME 04444
4 year Certificate
$500
3.15%
▼
Rate3.11%
Min Deposit$500
UpdatedMar 17, 2026
Details
No additional details available.
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1541 Custer Ave, Billings, MT 59102
48 Month Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
7910 National Tpke, Louisville, KY 40214
48 Month Share and IRA Certificate
$0
3.13%
▼
Rate3.10%
Min Deposit$0
UpdatedMar 18, 2026
Details
No additional details available.
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
611 W Highway 92, Winterset, IA 50273
48 Month CD
$50,000
3.12%
▼
Rate3.10%
Min Deposit$50,000
UpdatedMar 15, 2026
Details
No additional details available.
Guthrie Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
104 N Elmer Ave, Sayre, PA 18840
IRA Share Certificate - 48 Month
$1,000
3.10%
▼
Rate3.05%
Min Deposit$1,000
UpdatedMar 16, 2026
Details
No additional details available.
Maries County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
205 Highway 63 N, Vienna, MO 65582
48 Month CD
$1,000
3.09%
▼
Rate3.05%
Min Deposit$1,000
UpdatedMar 14, 2026
Details
No additional details available.
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
255 Main St, Massena, NY 13662
48 Month CD
$1,000
3.08%
▼
Rate3.00%
Min Deposit$1,000
UpdatedMar 17, 2026
Details
No additional details available.
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
1130 S Main St, South Bend, IN 46601 3338
48 Month Certificate
$20,000
3.07%
▼
Rate3.05%
Min Deposit$20,000
UpdatedMar 17, 2026
Details
over $20,000
Afena Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
1312 W 44th St, Marion, IN 46953 5293
Share Certificates and IRA Certificates 48 MO
$100,000
3.05%
▼
Rate3.00%
Min Deposit$100,000
UpdatedMar 17, 2026
Details
No additional details available.
Firestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
31 Hanna Pkwy, Coventry township, OH 44319
4 Year Term Share
$0
3.04%
▼
Rate3.00%
Min Deposit$0
UpdatedMar 19, 2026
Details
No additional details available.
United Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
1700 16th St, Galena Park, TX 77547
48 Month Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Goose River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
44 Main St W, Mayville, ND 58257
48 month CD
$1,000
3.02%
▼
Rate3.00%
Min Deposit$1,000
UpdatedMar 14, 2026
Details
No additional details available.
Denison State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
3675 74th St, Meriden, KS 66512
CDs and IRAs (personal) 4 year
$500
3.00%
▼
Rate2.97%
Min Deposit$500
UpdatedMar 13, 2026
Details
No additional details available.
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
4 Year Certificate of Deposit
$0
2.99%
▼
Rate2.95%
Min Deposit$0
UpdatedMar 16, 2026
Details
No additional details available.
Community National Bank in Monmouth
Institution Rating:
A5.0 ★Texas Ratio: 10.97%
311 N Main St, Monmouth, IL 61462
4 Year Certificate of Deposit
$20,000
2.98%
▼
Rate2.95%
Min Deposit$20,000
UpdatedMar 18, 2026
Details
No additional details available.
Railway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
1006 E Main St, Mandan, ND 58554 3762
48 month CD Investments
$0
2.96%
▼
Rate2.96%
Min Deposit$0
UpdatedMar 11, 2026
Details
No additional details available.
Community Bank of Cameron
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
101 W Main St, Cameron, WI 54822
IRA Certificates of Deposit 48 Month
$0
2.95%
▼
Rate2.92%
Min Deposit$0
UpdatedMar 18, 2026
Details
No additional details available.
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
340 E Huron St, Ann Arbor, MI 48104
48 Month Certificate
$0
2.94%
▼
Rate2.90%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3700 Gilmer Rd, Longview, TX 75604
48 Month CD
$0
2.93%
▼
Rate2.90%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
831 Middle St, Bath, ME 04530 2401
IRA Certificates 4 Year
$0
2.91%
▼
Rate2.87%
Min Deposit$0
UpdatedMar 14, 2026
Details
No additional details available.
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
202 Cofield St N, Raymond, MN 56282
Triple Option CD 48 Month
$0
2.90%
▼
Rate—
Min Deposit$0
UpdatedMar 14, 2026
Details
No additional details available.
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
48 Month Certificate
$1,000
2.89%
▼
Rate2.85%
Min Deposit$1,000
UpdatedMar 13, 2026
Details
No additional details available.
State Bank of Reeseville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
203 S Main St, Reeseville, WI 53579
4 Year CD
$1,000
2.88%
▼
Rate2.85%
Min Deposit$1,000
UpdatedMar 15, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
48 Month Share Certificates
$0
2.87%
▼
Rate—
Min Deposit$0
UpdatedMar 15, 2026
Details
Bonus Rate
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
6246 Chase Rd, Dearborn, MI 48126
48 Month Heroes Cert / IRA
$0
2.85%
▼
Rate2.81%
Min Deposit$0
UpdatedMar 14, 2026
Details
No additional details available.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM 87505
48-Month F55 Certificate
$500
2.84%
▼
Rate2.80%
Min Deposit$500
UpdatedMar 17, 2026
Details
No additional details available.
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
100 S Main St, Sanborn, MN 56083
Certificate of Deposit 48 Month Term Tier 4
$1,000
2.83%
▼
Rate2.80%
Min Deposit$1,000
UpdatedMar 17, 2026
Details
$100,000 and over
Washita State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
701 State Highway 44, Burns Flat, OK 73624
WSB Traditional CDs 48 Month
$1,000
2.82%
▼
Rate2.78%
Min Deposit$1,000
UpdatedMar 15, 2026
Details
No additional details available.
Bristol Morgan Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.54%
103 S Main St, Oakfield, WI 53065
48 Month CD/IRA
$500
2.80%
▼
Rate2.76%
Min Deposit$500
UpdatedMar 18, 2026
Details
No additional details available.
Kerr County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
3700 Memorial Blvd, Kerrville, TX 78028 5710
48-Month IRA Certificate
$1,000
2.79%
▼
Rate2.75%
Min Deposit$1,000
UpdatedMar 17, 2026
Details
No additional details available.
USSCO JOHNSTOWN
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
522 Central Ave, Johnstown, PA 15902
48-month Certificates of Deposit
$500
2.78%
▼
Rate—
Min Deposit$500
UpdatedMar 15, 2026
Details
No additional details available.
State Central Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.55%
116 S Main St, Stockport, IA 52651
48 Mo. CD
$10,000
2.77%
▼
Rate2.75%
Min Deposit$10,000
UpdatedMar 15, 2026
Details
No additional details available.
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
299 Whalley Ave, New Haven, CT 06511
Certificates of Deposit 4 year
$0
2.75%
▼
Rate2.71%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
303 NE Thornton PL, Seattle, WA 98125
IRA Jumbo Certificates 4 year
$50,000
2.74%
▼
Rate2.70%
Min Deposit$50,000
UpdatedMar 11, 2026
Details
No additional details available.
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3400 S Sycamore Ave, Sioux Falls, SD 57110 4412
48 MONTH CERTIFICATE
$1,000
2.73%
▼
Rate—
Min Deposit$1,000
UpdatedMar 18, 2026
Details
No additional details available.
The Citizens Bank Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
501 5th St, Beverly, OH 45715
48 Month IRA
$0
2.71%
▼
Rate2.68%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
135 Stewart Dr, Franklin, VA 23851
48-Month Share Certificates
$0
2.70%
▼
Rate2.67%
Min Deposit$0
UpdatedMar 18, 2026
Details
No additional details available.
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
201 Mohawk Ave, Scotia, NY 12302
48 Month Certificates and IRA
$500
2.69%
▼
Rate2.66%
Min Deposit$500
UpdatedMar 16, 2026
Details
No additional details available.
FNB of McConnelsville
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
11 Public Sq, Nelsonville, OH 45764
Bump Up 48 Month First Advantage CD
$1,000
2.68%
▼
Rate2.65%
Min Deposit$1,000
UpdatedMar 18, 2026
Details
No additional details available.
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
105 N High St, Romney, WV 26757
48 MONTH CD
$1,000
2.65%
▼
Rate2.62%
Min Deposit$1,000
UpdatedMar 19, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
48-month term Regular CDs
$0
2.64%
▼
Rate2.61%
Min Deposit$0
UpdatedMar 18, 2026
Details
No additional details available.
New Haven County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
2 Broadway, North Haven, CT 06473
Share Certificate 4 year
$0
2.63%
▼
Rate2.60%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Genoa Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
502 Willard Ave, Genoa, NE 68640
48 Month Certificate of Deposit
$0
2.61%
▼
Rate—
Min Deposit$0
UpdatedMar 16, 2026
Details
No additional details available.
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
820 Louisiana St, Little Rock, AR 72201 4692
Share Certificates of Deposit & IRA Certificates of Deposit 4 Year
$1,000
2.60%
▼
Rate2.57%
Min Deposit$1,000
UpdatedMar 15, 2026
Details
No additional details available.
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2105 W Grande Blvd, Tyler, TX 75703 0551
48 Month Certificate
$0
2.58%
▼
Rate2.55%
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
Bank of Vici
Institution Rating:
B-4.3 ★Texas Ratio: 23.13%
121 W Broadway, Vici, OK 73859
48 Month Certificate
$0
2.56%
▼
Rate2.53%
Min Deposit$0
UpdatedMar 18, 2026
Details
No additional details available.
NexBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
2515 Mckinney Ave, Dallas, TX 75201
Certificates of Deposit - 48 month
$0
2.55%
▼
Rate2.53%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
2 Furnace Ave, Stafford Springs, CT 06076
IRA Accounts 4 Year
$0
2.54%
▼
Rate2.50%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA 94066
4 Year Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
TFB Tecumseh Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
160 N 4th St, Tecumseh, NE 68450
48 Month Certificate
$0
2.52%
▼
Rate2.50%
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
First Bank and Trust of Fullerton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
230 Broadway St, Fullerton, NE 68638
48-Month Certificate of Deposit
$500
2.51%
▼
Rate2.50%
Min Deposit$500
UpdatedMar 16, 2026
Details
No additional details available.
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
4451 Commercial Dr, New Hartford, NY 13413 6207
Business Term Share Certificates 48 Month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
UpdatedMar 19, 2026
Details
$1,000.00 minimum balance to earn dividends
Mound City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
25 E Pine St, Platteville, WI 53818
4 Year CD
$2,500
2.49%
▼
Rate2.47%
Min Deposit$2,500
UpdatedMar 14, 2026
Details
No additional details available.
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
958 W Monroe St, Jackson, MI 49202 2036
4 Year CD Gold
$0
2.48%
▼
Rate2.45%
Min Deposit$0
UpdatedMar 15, 2026
Details
Requires a minimum balance of $500.00
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
400 E Buchanan St, Ashland, IL 62612
48 Month CD (4 Year)
$0
2.47%
▼
Rate2.45%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
703 Broadway St Ste 100, Vancouver, WA 98660
4 Year Certificate
$500
2.45%
▼
Rate—
Min Deposit$500
UpdatedMar 18, 2026
Details
No additional details available.
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
4523 Driftwood Dr, Cheyenne, WY 82009 7301
48 Month Share Certificate
$500
2.44%
▼
Rate2.44%
Min Deposit$500
UpdatedMar 18, 2026
Details
No additional details available.
4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
3745 N US Highway 31 S, Traverse City, MI 49684 4442
48 Mo. Regular, Traditional & Roth IRA
$0
2.43%
▼
Rate2.40%
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
6222 Little River Tpke, Alexandria, VA 22312 1714
4 Year - Certificate or IRA Certificate
$1,000
2.42%
▼
Rate2.40%
Min Deposit$1,000
UpdatedMar 14, 2026
Details
No additional details available.
Kenowa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1905 28th Street St SW, Wyoming, MI 49519 2507
48 MO CERTIFICATE
$500
2.41%
▼
Rate—
Min Deposit$500
UpdatedMar 17, 2026
Details
No additional details available.
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
507 E Main St, Niles, MI 49120 2617
48 Month Term Share Certificates
$100
2.40%
▼
Rate2.37%
Min Deposit$100
UpdatedMar 18, 2026
Details
No additional details available.
Bath Savings Institution
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
105 Front St, Bath, ME 04530
4 Year CD / IRA
$500
2.38%
▼
Rate—
Min Deposit$500
UpdatedMar 18, 2026
Details
No additional details available.
MidAmerica National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
100 W Elm St, Canton, IL 61520
48 month CD
$1,000
2.37%
▼
Rate2.35%
Min Deposit$1,000
UpdatedMar 14, 2026
Details
No additional details available.
State Bank of Canton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
103 S Main St, Canton, KS 67428
Certificate of Deposit 48 Month
$500
2.36%
▼
Rate2.35%
Min Deposit$500
UpdatedMar 15, 2026
Details
No additional details available.
Gateway Bank Mendota Heights, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
745 Market St, Mendota Heights, MN 55118
Certificates of Deposit (CD) 48 Month
$0
2.35%
▼
Rate2.33%
Min Deposit$0
UpdatedMar 14, 2026
Details
No additional details available.
Our Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
526 W Cedar St, Shelton, WA 98584
4 Year Certificate
$1,000
2.33%
▼
Rate2.30%
Min Deposit$1,000
UpdatedMar 15, 2026
Details
No additional details available.
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Share Certificate 48 Month
$1,000
2.32%
▼
Rate2.30%
Min Deposit$1,000
UpdatedMar 15, 2026
Details
No additional details available.
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
48 Month IRA Certificate
$0
2.31%
▼
Rate—
Min Deposit$0
UpdatedMar 18, 2026
Details
No additional details available.
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
421 Capitol Way S, Olympia, WA 98501
48 Mo. CD
$100
2.30%
▼
Rate2.28%
Min Deposit$100
UpdatedMar 15, 2026
Details
No additional details available.
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
345 E Grand Ave, Beloit, WI 53511
48 Month Certificate of Deposits
$1,000
2.28%
▼
Rate2.27%
Min Deposit$1,000
UpdatedMar 16, 2026
Details
No additional details available.
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
715 N Telegraph Rd, Monroe, MI 48162 5130
48 Month CD
$0
2.27%
▼
Rate—
Min Deposit$0
UpdatedMar 14, 2026
Details
No additional details available.
Dover Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.46%
643 N DuPont Blvd, Milford, DE 19963 1098
4-Year Business Share Certificate
$500
2.25%
▼
Rate2.23%
Min Deposit$500
UpdatedMar 16, 2026
Details
No additional details available.
Oshkosh Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
250 Pearl Ave, Oshkosh, WI 54901 4834
Share Certificates Account 48 Month
$2,500
2.23%
▼
Rate2.21%
Min Deposit$2,500
UpdatedMar 15, 2026
Details
No additional details available.
Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA 94531 6665
4-Year Certificate
$0
2.22%
▼
Rate2.20%
Min Deposit$0
UpdatedMar 16, 2026
Details
No additional details available.
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1117 S 10th St, Manitowoc, WI 54220 5211
4 Year Jumbo Share/IRA Certificate
$0
2.21%
▼
Rate2.19%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Bay Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
4202 Navarre Ave, Oregon, OH 43616 3562
48 MONTH IRA CERT
$0
2.20%
▼
Rate—
Min Deposit$0
UpdatedMar 18, 2026
Details
No additional details available.
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6414 FANNIN ST STE G50, HOUSTON, TX 77030 1500
48 month CD
$0
2.18%
▼
Rate2.16%
Min Deposit$0
UpdatedMar 18, 2026
Details
No additional details available.
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
48 Month Share Certificate
$500
2.17%
▼
Rate—
Min Deposit$500
UpdatedMar 16, 2026
Details
No additional details available.
FNB Of Nokomis
Institution Rating:
A5.0 ★Texas Ratio: 8.75%
106 N Main St, Moweaqua, IL 62550
48 Month CD
$1,000
2.16%
▼
Rate2.15%
Min Deposit$1,000
UpdatedMar 19, 2026
Details
No additional details available.
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
2401 44th Rd, Long Island City, NY 11101
48-month Share Certificate
$0
2.15%
▼
Rate2.13%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Wahoo State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
164 E 5th St, Wahoo, NE 68066
Certificates of Deposit 48 Month
$0
2.12%
▼
Rate2.10%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
295 E Layfair Dr, Flowood, MS 39232 9527
48 Month Certificates
$0
2.10%
▼
Rate2.08%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Midwest Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
101 Wesley Dr, Wood River, IL 62095
IRA Certificates 48 Month
$1,000
2.07%
▼
Rate2.05%
Min Deposit$1,000
UpdatedMar 14, 2026
Details
No additional details available.
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
3711 Huntington Ave, Newport News, VA 23607
IRA Certificates 4-year
$0
2.06%
▼
Rate2.04%
Min Deposit$0
UpdatedMar 18, 2026
Details
Premier / Select Relationship
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 12.17%
414 N Adams St, Wellsburg, IA 50680
48 Month Certificate of Deposit (CD)
$150,000
2.05%
▼
Rate2.04%
Min Deposit$150,000
UpdatedMar 18, 2026
Details
No additional details available.
Countryside Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
379 Main St, Unadilla, NE 68454
48 Month Certificates of Deposit
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
UpdatedMar 18, 2026
Details
No additional details available.
First Federal S&L Newark, OH
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
2 N 2nd St, Newark, OH 43055
4 Year CD
$500
2.01%
▼
Rate2.00%
Min Deposit$500
UpdatedMar 18, 2026
Details
No additional details available.
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
104 S Cascade Ave, Colorado Springs, CO 80903
4 Year CD/IRA
$1,000
2.00%
▼
Rate1.98%
Min Deposit$1,000
UpdatedMar 17, 2026
Details
No additional details available.
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA 94551 7301
Business 48 Month Certificate
$5,000
1.96%
▼
Rate1.94%
Min Deposit$5,000
UpdatedMar 15, 2026
Details
No additional details available.
Hyperion Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
199 W Girard Ave, Philadelphia, PA 19123
48 Month CD
$500
1.95%
▼
Rate1.93%
Min Deposit$500
UpdatedMar 14, 2026
Details
No additional details available.
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2205 Haines St, Jacksonville, FL 32206 3301
48 Month Certificate
$500
1.92%
▼
Rate1.90%
Min Deposit$500
UpdatedMar 17, 2026
Details
No additional details available.
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
430 Main St, Deer Lodge, MT 59722
4 Year Fixed CD
$100
1.91%
▼
Rate1.90%
Min Deposit$100
UpdatedMar 15, 2026
Details
No additional details available.
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
3299 Hillcrest Rd, Dubuque, IA 52001 3928
48 Month Term Share Certificate
$0
1.90%
▼
Rate1.89%
Min Deposit$0
UpdatedMar 13, 2026
Details
No additional details available.
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6414 Montgomery St, Rhinebeck, NY 12572
4-Year CD
$2,000
1.89%
▼
Rate1.87%
Min Deposit$2,000
UpdatedMar 11, 2026
Details
No additional details available.
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
410 Division St, Withee, WI 54498
4 Year CD
$500
1.86%
▼
Rate1.85%
Min Deposit$500
UpdatedMar 19, 2026
Details
No additional details available.
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL 33713
48 month CD
$100,000
1.85%
▼
Rate1.83%
Min Deposit$100,000
UpdatedMar 17, 2026
Details
No additional details available.
SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
1220 Osos St, San Luis Obispo, CA 93401 3620
48 MONTH CERTIFICATE
$100
1.81%
▼
Rate—
Min Deposit$100
UpdatedMar 17, 2026
Details
No additional details available.
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
IRA Certificates 48 Month
$0
1.80%
▼
Rate1.78%
Min Deposit$0
UpdatedMar 11, 2026
Details
No additional details available.
First Sound Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
925 4th Ave Ste 2350, Seattle, WA 98104
48-Month Certificate
$500
1.79%
▼
Rate1.77%
Min Deposit$500
UpdatedMar 19, 2026
Details
No additional details available.
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX 75090 5840
48-month certificate
$10,000
1.77%
▼
Rate—
Min Deposit$10,000
UpdatedMar 15, 2026
Details
Balance Over $10,000
Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
575 N Broadway, Aurora, IL 60505
IRA Certificates 48 Month
$0
1.76%
▼
Rate1.75%
Min Deposit$0
UpdatedMar 19, 2026
Details
No additional details available.
Century Bank Santa Fe, NM
Institution Rating:
C-3.6 ★Texas Ratio: 31.78%
322 N Riverside Dr, Espanola, NM 87532
4 Year Certificates of Deposit
$1,000
1.75%
▼
Rate1.75%
Min Deposit$1,000
UpdatedMar 14, 2026
Details
No additional details available.
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
1990 Westwood Blvd, Los Angeles, CA 90025
4 Year Certificate
$0
1.71%
▼
Rate1.70%
Min Deposit$0
UpdatedMar 19, 2026
Details
No additional details available.
Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
839 W Green St, Marshall, MI 49068
CD Special 48 Month
$500
1.70%
▼
Rate1.79%
Min Deposit$500
UpdatedMar 14, 2026
Details
Advantage APY
Security Bank of Southwest Missouri
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
1321 Old Highway 37, Cassville, MO 65625
4 Year Certificate of Deposit
$1,000
1.66%
▼
Rate1.65%
Min Deposit$1,000
UpdatedMar 17, 2026
Details
Minimum maturity is 6 months. $1,000.00 minimum deposit. Substantial penalty for early withdrawal.
Security FSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
314 4th St, Logansport, IN 46947
Business CDs 48 Month
$500
1.65%
▼
Rate1.64%
Min Deposit$500
UpdatedMar 11, 2026
Details
No additional details available.
Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
520 S 42nd St, Mount Vernon, IL 62864
48 Month Trade-Up^ Certificates of Deposit (CDs) Specials
$500
1.62%
▼
Rate—
Min Deposit$500
UpdatedMar 15, 2026
Details
No additional details available.
First Bankers Trust Company
Institution Rating:
B4.6 ★Texas Ratio: 19.94%
1395 Buchanan St, Carthage, IL 62321
48 Month CD/IRA
$1,000
1.61%
▼
Rate1.60%
Min Deposit$1,000
UpdatedMar 18, 2026
Details
No additional details available.
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3700 E Alameda Ave, Denver, CO 80209
48 Month Certificates of Deposit (CDs)
$500
1.60%
▼
Rate1.59%
Min Deposit$500
UpdatedMar 15, 2026
Details
No additional details available.
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229
Jumbo Certificate 48 month
$75,000
1.56%
▼
Rate1.55%
Min Deposit$75,000
UpdatedMar 17, 2026
Details
No additional details available.
The Peoples Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
222 W Commercial St, Mazomanie, WI 53560
4 Year Certificate
$0
1.55%
▼
Rate1.54%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Bank of Herrin
Institution Rating:
B+4.8 ★Texas Ratio: 16.91%
101 S Park Ave, Herrin, IL 62948
48 Month CD & IRA
$0
1.53%
▼
Rate1.52%
Min Deposit$0
UpdatedMar 18, 2026
Details
No additional details available.
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
2809 N Stockton Hill Rd, Kingman, AZ 86401 4139
4 Year Term Certificate
$0
1.51%
▼
Rate1.50%
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
Hutchinson Government Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
121 E Avenue A, Hutchinson, KS 67501
48 Month CD
$0
1.50%
▼
Rate1.50%
Min Deposit$0
UpdatedMar 14, 2026
Details
No additional details available.
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
524 N Pearl St, Bridgeton, NJ 08302
4 Year IRA Certificate
$0
1.47%
▼
Rate—
Min Deposit$0
UpdatedMar 18, 2026
Details
No additional details available.
North Shore Trust and Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
700 S Lewis Ave, Waukegan, IL 60085
4 Year Certificate
$0
1.46%
▼
Rate1.45%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
605 Washington Blvd, Belpre, OH 45714
48-Month CD
$0
1.45%
▼
Rate1.45%
Min Deposit$0
UpdatedMar 18, 2026
Details
No additional details available.
First Independent Bank Russell, MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
300 Front St, Russell, MN 56169
48-Month CD
$1,000
1.42%
▼
Rate1.41%
Min Deposit$1,000
UpdatedMar 18, 2026
Details
No additional details available.
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
717 W Sprague Ave, Spokane, WA 99201
Fixed Rate Certificates 48 Month
$0
1.41%
▼
Rate1.40%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM 88101
48 Month Share Certificates
$0
1.40%
▼
Rate—
Min Deposit$0
UpdatedMar 18, 2026
Details
No additional details available.
C&SB of Millersburg, Ohio
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
91 N Clay St, Millersburg, OH 44654
4 Year CD
$500
1.36%
▼
Rate1.35%
Min Deposit$500
UpdatedMar 18, 2026
Details
No additional details available.
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
245 Long Hill Rd, Middletown, CT 06457
4-Year CD
$0
1.35%
▼
Rate1.34%
Min Deposit$0
UpdatedMar 14, 2026
Details
No additional details available.
Germania Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
PO Box 645, Brenham, TX 77834 0645
48 month Certificate of Deposit
$500
1.31%
▼
Rate1.30%
Min Deposit$500
UpdatedMar 14, 2026
Details
No additional details available.
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY 13202
48 Month Certificate
$0
1.30%
▼
Rate1.29%
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
HUD
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
451 7th St Sw Rm 3241, Washington, DC 20410
IRA Certificate 48 Month
$50,000
1.26%
▼
Rate—
Min Deposit$50,000
UpdatedMar 14, 2026
Details
No additional details available.
RBT Rollstone B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
780 Main St, Fitchburg, MA 01420
48 Month CD/IRA
$500
1.25%
▼
Rate1.24%
Min Deposit$500
UpdatedMar 11, 2026
Details
No additional details available.
Share Advantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
502 E 2nd St, Duluth, MN 55805 1913
48 Month IRA
$500
1.21%
▼
Rate1.20%
Min Deposit$500
UpdatedMar 15, 2026
Details
No additional details available.
The Bank of Brodhead
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
806 E Exchange St, Brodhead, WI 53520
4 Year Certificates of Deposit
$500
1.20%
▼
Rate1.90%
Min Deposit$500
UpdatedMar 17, 2026
Details
No additional details available.
I3 Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
12212 N 156th St, Bennington, NE 68007
48 Month Certificates of Deposit & IRAs
$500
1.16%
▼
Rate1.15%
Min Deposit$500
UpdatedMar 16, 2026
Details
No additional details available.
SpiritBank
Institution Rating:
B+4.7 ★Texas Ratio: 18.26%
4815 S Harvard Ave, Tulsa, OK 74135
4 year Certificate of Deposit
$0
1.15%
▼
Rate1.14%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
240 3rd Ave Se, Cedar Rapids, IA 52401
College Saver CDs 48 month
$0
1.14%
▼
Rate1.14%
Min Deposit$0
UpdatedMar 14, 2026
Details
*Relationship Pricing APY 1.30%, Interest Rate 1.29%
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MonitorBankRates
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.
CD Calculators
60-Month CD FAQs
What is a 48-Month (4-Year) Certificate of Deposit?
A 48-month CD is a savings account that holds a fixed amount of money for four years. In exchange for that commitment, banks typically offer higher fixed interest rates than shorter-term CDs.
Are 5-year CD rates higher than shorter-term CDs?
In a normal yield curve environment, yes 5-year CDs typically offer the highest rates among standard CD terms. In an inverted yield curve, shorter terms can sometimes match or exceed 5-year yields, so always compare current offers.
Is my money safe in a 60-month CD?
Yes. CDs at FDIC-insured banks or NCUA-insured credit unions are insured up to $250,000 per depositor, per institution. Your principal is fully protected up to that limit.
What happens if I withdraw money from a 5-year CD early?
Early withdrawal penalties on 60-month CDs are typically the steepest of any term often 12 months or more of earned interest. Review the penalty schedule carefully before committing to a 5-year term.
What is APY and why does it especially matter for a 5-year CD?
APY (Annual Percentage Yield) accounts for compounding and reflects the true annual return. Over a 5-year term, even a 0.10% APY difference compounds into a meaningful difference in total earnings on larger deposits.
Is locking in a 5-year CD rate a good strategy when rates are high?
Many financial advisors recommend locking in a long-term CD when rates are near cyclical highs. If the Federal Reserve cuts rates in the future, a 5-year CD lets you continue earning your locked-in rate while new savers see lower yields.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate 60-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 5-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: March 19, 2026
