Best Certificate of Deposit Rates May 2026 Up to 6.00%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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If you are looking to maximize your savings, you can compare national CD options like La Crosse Burlington Credit UnionLa Crosse Burlington Credit Union1735 Credit Union Ct, La Crosse, WI 54603A+5.0 ★Texas Ratio: 2.48% offering 12-month Youth Saver Certificate at 6.00% APY, or CO-OP Credit UnionCO-OP Credit Union100 E Main St, Black River Falls, WI 54615A+5.0 ★Texas Ratio: 3.65% offering 12-month Youth Saver Certificate at 6.00% APY, or 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 Diversified Members Credit UnionDiversified Members Credit Union1480 E Jefferson Ave, Detroit, MI 48207A+5.0 ★Texas Ratio: 5.38% offering 12 Months Legacy CD at 5.15% APY. CD rates as of May 29, 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: May 29, 2026
Compare the Best CD Rates Nationwide
3 Month CD Rates
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6 Month CD Rates
$1,000; Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Teen Cents Club Junior Savers Kangaroo Kids Club Minimum $100.00 Maximum $5,000.00 (Aggregate)
Max $5,000
Must be funded by new money not currently on deposit
Bonus Rate
Bonus Rate
Available for members under the age of 21; 1 per member
No additional details available.
Balance up to $15,000.00
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FEATURED RATE
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FEATURED RATE
FEATURED RATE
FEATURED RATE
.70% APY bump to our regular rate
Bonus Rate: 5.00%
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paid monthly
Deposit Amount: $100,001 and up
Deposit Amount: $101,000 and up
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12 Month CD Rates
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$3,000 maximum
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$300
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90 days interest
Early Withdrawal Penalty: 90 days interest
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Automatic Renewal
This account is available only for members under 18 years of age.
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Minimum deposit of $9 at opening and $9 per month, up to $10,000.00.
Learn more about our relationship levels program here.
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18 Month CD Rates
At maturity, the CD will be renewed into a 24-month CD.
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Must be under 18 to open. 18M allows add-ons & withdrawals (Min +/- $100 ) & a 1-time rate bump (must provide report card). MAXIMUM DEPOSIT OF $10,000.00, LIMIT ONE PER MEMBER
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purchased through Raymond James brokerage account
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24 Month CD Rates
Monthly Min/Max: $20/$400, paid annually
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Early Withdrawal Penalties Apply
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Penalty for early withdrawal
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purchased through Raymond James brokerage account
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36 Month CD Rates
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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$1M+
$250,000-$999,999
Opening Balance $10,000 or above
payroll deposit only
Opening Balance Under $10,000
No additional details available.
purchased through Raymond James brokerage account
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48 Month CD Rates
Monthly Min/Max: $20/$200, paid annually
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Early Withdrawal Penalties Apply
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purchased through Raymond James brokerage account
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60 Month CD Rates
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.
No additional details available.
Opening Balance $10,000 or above
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payroll deposit only
Opening Balance Under $10,000
($500 minimum deposit required)
($500 minimum deposit required)
purchased through Raymond James brokerage account
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$100,000 and Above
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Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
National CD Rate Trends
Weekly national average APYs across all 8 CD terms — compiled from 8,500+ banks & credit unions, updated nightly.
National 12-month CD rates rose 0.005 points this week to 2.833%, up from 2.827% last week.
National 6-month CD rates held steady at 2.688% APY this week, unchanged from the prior 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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