Best Certificate of Deposit Rates July 2026 Up to 5.90%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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If you are looking to maximize your savings, you can compare national CD options like Schools Federal Credit UnionSchools Federal Credit Union20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306A+5.0 ★Texas Ratio: 1.27% offering Relationship Certificate (12 months) at 5.90% APY, or Gundersen Credit UnionGundersen Credit Union1910 South Ave, La Crosse, WI 54601A+5.0 ★Texas Ratio: 0.77% offering Teenager (Age 13-17) - 12 Month Term Certificate at 5.50% APY, or OMNI Community Credit UnionOMNI Community Credit Union3141 Capital Ave SW, Battle Creek, MI 49015A+5.0 ★Texas Ratio: 3.29% offering 12 Month Youth Special at 5.00% APY, or P&S Credit UnionP&S Credit Union2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356A+5.0 ★Texas Ratio: 0.13% offering 12 Month Certificate-STUDENT Accounts at 5.00% APY. CD rates as of July 13, 2026 according to verified data from MonitorBankRates.
Finding the best CD rate is one of the safest ways to grow your savings. Unlike variable accounts, a CD lets you lock in a high APY for a specific term, protecting your return from market fluctuations. We empower savers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can choose a stable, highly-rated institution with confidence.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution’s discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: July 13, 2026
Compare the Best CD Rates Nationwide
3 Month CD Rates
EARLY WITHDRAWAL PENALTIES (Minimum $25): 91 Days Interest
6 Month CD Rates
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New money to Bank47 required. Interest compounding daily, credited monthly. Auto renews at 6-month term. A penalty may be imposed for early withdrawal.
only
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Introductory offer
BONUS RATE: 5.00%
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On the above accounts, dividends are compounded and credited quarterly. Dividends are computed based on average daily balance. A penalty may be imposed for early withdrawal. Service charges may reduce earnings.
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Promotional Certificates - ***LIMITED TIME OFFER. Minimum to Open: $2,500. Beacon's promotional certificate rate is only valid on new money only. For 6 months promotional share certificates, the early withdrawal penalty is 90 days of dividend whether earned or not.
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4 terms to fit your needs-6, 12, 18, and 24-month special. Call or stop in for full details.
Take advantage of this limited-time savings opportunity and move your financial goals forward.
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Digital Online: 4.16% APY with $25,000 Minimum Deposit
EARLY WITHDRAWAL PENALTIES (Minimum $25): 181 Days Interest
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12 Month CD Rates
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Maximum $10,000 (Automatic Renewal)
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20+ Yrs
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**Minimum deposit of $9 at opening and $9 per month, up to $10,000.00. Rates are as of July 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal.
Rates are as of July 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal.
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up to $2,500
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Balance: Under $100,000
Balance: Under $100,000
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18 Month CD Rates
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Interest Will Be Credited: Quarterly
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Intro rate expires: July 11th. Rate effective June 25, 2026 through July 11, 2026. Penalties may be charged for early withdrawal. Rates subject to change at anytime without prior notice. Please see Credit Union for complete details.
Minimum opening deposit (purchased through Raymond James brokerage account): $2,000. Minimum opening deposit (not purchased through Raymond James brokerage account): $1,000.
On the above accounts, dividends are compounded and credited quarterly. Dividends are computed based on average daily balance. A penalty may be imposed for early withdrawal. Service charges may reduce earnings.
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On the above accounts, dividends are compounded and credited quarterly. Dividends are computed based on average daily balance. A penalty may be imposed for early withdrawal. Service charges may reduce earnings.
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Compounded Daily
Limited-time offer.
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No longer available for new accounts; Interest Will Be Credited: Quarterly
Rates effective as of 06/15/2026. Expires on or before 08/16/2026.
Featured rate. Online Only.
Variable rate certificate. The rate is adjusted on the first of each month and is calculated by using the 24-month Treasury Bill rate in effect on the 10th day of the previous month plus 0.25% (25 basis points). At maturity, the certificate automatically renews.
This is a variable rate certificate. The rate is adjusted on the first of each month and is calculated by using the 24-month Treasury Bill rate in effect on the 10th day of the previous month plus 0.25% (25 basis points). At maturity, the certificate automatically renews.
24 Month CD Rates
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Minimum opening deposit (purchased through Raymond James brokerage account): $2,000. Minimum opening deposit (not purchased through Raymond James brokerage account): $1,000.
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Penalty for early withdrawal
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On the above accounts, dividends are compounded and credited quarterly. Dividends are computed based on average daily balance. A penalty may be imposed for early withdrawal. Service charges may reduce earnings.
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Rates are as of July 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal.
up to $10,000
On the above accounts, dividends are compounded and credited quarterly. Dividends are computed based on average daily balance. A penalty may be imposed for early withdrawal. Service charges may reduce earnings.
Variable yield account with no cap.
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See details.; Open account in person
36 Month CD Rates
FOR AGES 13-15 YEARS OLD. Minimum deposit of $500, Maximum $10,000. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. A penalty may be imposed for withdrawals before maturity. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Youth members may have one of each Youth Certificate type. Teen members may have one Teen Certificate and one of each Youth Certificate type. Certificates are subject to age restrictions. Cannot be opened as UTMA account. Certificate must be in the minor's name. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA.
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Minimum opening deposit (purchased through Raymond James brokerage account): $2,000. Minimum opening deposit (not purchased through Raymond James brokerage account): $1,000.
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Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
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Opening Balance: Under $10,000; Interest Will Be Credited: Annually
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EXISTING MEMBER NEW MEMBER
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On the above accounts, dividends are compounded and credited quarterly. Dividends are computed based on average daily balance. A penalty may be imposed for early withdrawal. Service charges may reduce earnings.
On the above accounts, dividends are compounded and credited quarterly. Dividends are computed based on average daily balance. A penalty may be imposed for early withdrawal. Service charges may reduce earnings.
See details.; Not available for purchase effective June 7, 2022.; Open account in person
See details.; Not available for purchase effective June 7, 2022.; Open account online
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48 Month CD Rates
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Minimum opening deposit (purchased through Raymond James brokerage account): $2,000. Minimum opening deposit (not purchased through Raymond James brokerage account): $1,000.
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Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution.
Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution.
On the above accounts, dividends are compounded and credited quarterly. Dividends are computed based on average daily balance. A penalty may be imposed for early withdrawal. Service charges may reduce earnings.
On the above accounts, dividends are compounded and credited quarterly. Dividends are computed based on average daily balance. A penalty may be imposed for early withdrawal. Service charges may reduce earnings.
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60 Month CD Rates
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FOR AGES 0-12 YEARS OLD. Minimum deposit of $500, Maximum $10,000. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. A penalty may be imposed for withdrawals before maturity. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Youth members may have one of each Youth Certificate type. Teen members may have one Teen Certificate and one of each Youth Certificate type. Certificates are subject to age restrictions. Cannot be opened as UTMA account. Certificate must be in the minor's name. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA.
Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
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Minimum opening deposit (purchased through Raymond James brokerage account): $2,000. Minimum opening deposit (not purchased through Raymond James brokerage account): $1,000.
Opening Balance: Under $10,000; Interest Will Be Credited: Annually
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Click to Open CD
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$500 minimum deposit required
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On the above accounts, dividends are compounded and credited quarterly. Dividends are computed based on average daily balance. A penalty may be imposed for early withdrawal. Service charges may reduce earnings.
On the above accounts, dividends are compounded and credited quarterly. Dividends are computed based on average daily balance. A penalty may be imposed for early withdrawal. Service charges may reduce earnings.
$500 minimum deposit required
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National CD Rate Trends
Weekly national average APYs across all 8 CD terms — compiled from 8,500+ banks & credit unions, updated nightly.
National 12-month CD rates fell 0.012 points this week to 2.835%, down from 2.847% last week.
National 6-month CD rates fell 0.071 points this week to 2.638%, down from 2.709% last week.
CD Rate Trends
Weekly average APYs across all CD terms. Hover over the chart to see exact rates for each week.
Frequently Asked Questions about CD Rates
What is a Certificate of Deposit (CD)?
Are CD rates higher than regular savings accounts?
Is my money safe in a CD?
What happens if I withdraw money from a CD early?
What is APY and how does it differ from the interest rate?
What CD term should I choose?
What is a CD ladder?
Can I add money to a CD after opening it?
CD Calculators
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our nationwide CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields across the country. We feature a comprehensive mix of financial institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly based on Federal Reserve policy and market conditions, every CD product listed features its own specific “last updated” date for full transparency.
Proprietary Institution Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you deposit with secure, reliable institutions.
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