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National CD Rate Trends

Best Certificate of Deposit Rates October 2026 Up to 6.14%

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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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| i Editorial Disclosure
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

CD rates range from 4.13% to 10.00% APY, verified by MonitorBankRates as of October 13, 2026. Top CD rates currently available include Southeast Missouri Community Credit UnionSoutheast Missouri Community Credit Union312 W Main St, Park Hills, MO 63601 2544A+5.0 ★Texas Ratio: 1.03% offering 12 month Youth CD at 6.14% APY, and Vacationland Federal Credit UnionVacationland Federal Credit Union2409 E Perkins Ave, Sandusky, OH 44870A+5.0 ★Texas Ratio: 4.80% offering 12 Month Youth Certificates at 6.03% APY, and Congressional Federal Credit UnionCongressional Federal Credit Union10461 White Granite Dr, Oakton, VA 22124A5.0 ★Texas Ratio: 8.63% offering Flexible Saver - 1 Year Certificate at 6.00% APY, and CO-OP Credit UnionCO-OP Credit Union100 E Main St, Black River Falls, WI 54615A+5.0 ★Texas Ratio: 5.54% offering 12 Month Youth Saver Certificate at 6.00% APY. CD rates as of October 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: October 13, 2026

Compare the Best CD Rates Nationwide

State: Min Deposit:
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3 Month CD Rates

MonitorBankRates National Average · 3 Month CD2.09% APY▲ 0.01% from last week
View 3-month CD rate trend

The national average 3-month CD rate is 2.09% APY as of October 13, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3305 Steck Ave Ste 275, Austin, TX 78757
3 Month CD
$1,000
4.58% ▲ 2.49% above avg
View
▼
Rate4.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.09%▲ 2.49% above avg
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 14, 2026: 4.32% APYOct 7, 2026: 4.58% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.58%▲ from 4.32%
  • Sep 14, 20264.32%first recorded
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1290 S Donahue Dr, Auburn, AL 36832 6330
90 Day Share Certificate
$0
4.51% ▲ 2.42% above avg
View
▼
Rate4.51%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.09%▲ 2.42% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.51% ▲ 0.61 pts · high 4.51% / low 3.90%
3.29%4.21%5.12%Sep 14, 2026: 3.90% APYOct 10, 2026: 4.51% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.51%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
AmeriCU Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
1916 Black River Blvd N, Rome, NY 13440 2430
3 Month Share Certificates
$50
4.50% ▲ 2.41% above avg
View
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.09%▲ 2.41% above avg
Details

Annual Percentage Yields (APYs) current as of 9th October 2026 and are subject to change without notice. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 18, 2026: 4.00% APYOct 10, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.50%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
3 Month Certificate
$1,000
4.48% ▲ 2.39% above avg
View
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.09%▲ 2.39% above avg
Details

Early Withdrawal Penalty: 1 Month Interest

Rate History
1 change since Sep 14, 2026 · 3.53% → 4.48% ▲ 0.95 pts · high 4.48% / low 3.53%
2.58%4.01%5.43%Sep 14, 2026: 3.53% APYOct 7, 2026: 4.48% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.48%▲ from 3.53%
  • Sep 14, 20263.53%first recorded
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
3 Month Jumbo Share Certificates
$0
4.45% ▲ 2.36% above avg
View
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.09%▲ 2.36% above avg
Details

Balance: $300,000.00 and greater

Rate History
No change since Oct 9, 2026 · 4.45% APY · checked 3 times
3.95%4.45%4.95%Oct 9, 2026: 4.45% APYOct 9, 2026Oct 13, 2026
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
90 Day Jumbo Certificate of Deposit
$0
4.44% ▲ 2.35% above avg
View
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.09%▲ 2.35% above avg
Details

No additional details available.

Rate History
No change since Oct 8, 2026 · 4.44% APY · checked 2 times
3.94%4.44%4.94%Oct 8, 2026: 4.44% APYOct 8, 2026Oct 13, 2026
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
Simple CDs - 3 Months
$0
4.35% ▲ 2.26% above avg
View
▼
Rate4.27%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.09%▲ 2.26% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 14, 2026: 4.00% APYOct 6, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.35%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
7665 Merriman Rd, Romulus, MI 48174 1920
Jumbo CD 3 Months
$3,000,000
4.32% ▲ 2.23% above avg
View
▼
Rate4.25%
Min Deposit$3,000,000
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.09%▲ 2.23% above avg
Details

Max: $6,000,000

Rate History
No change since Sep 21, 2026 · 4.32% APY · checked 4 times
3.82%4.32%4.82%Sep 21, 2026: 4.32% APYSep 21, 2026Oct 13, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
3 Month Certificate
$0
4.30% ▲ 2.21% above avg
View
▼
Rate4.21%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.09%▲ 2.21% above avg
Details

No additional details available.

Rate History
No change since Oct 6, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 6, 2026: 4.30% APYOct 6, 2026Oct 13, 2026
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 Month Business CD
$5,000
4.30% ▲ 2.21% above avg
View
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.09%▲ 2.21% above avg
Details

Balance: $1,000,000.00 and over

Rate History
No change since Oct 13, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 13, 2026
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
3 MONTH CD
$500,000
4.27% ▲ 2.18% above avg
View
▼
Rate4.20%
Min Deposit$500,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.09%▲ 2.18% above avg
Details

No additional details available.

Rate History
3 changes since Sep 8, 2026 · 3.96% → 4.27% ▲ 0.31 pts · high 4.27% / low 3.96%
3.46%4.12%4.77%Sep 8, 2026: 3.96% APYSep 18, 2026: 4.16% APYSep 24, 2026: 4.22% APYSep 27, 2026: 4.27% APYSep 8, 2026Oct 13, 2026
  • Sep 27, 20264.27%▲ from 4.22%
  • Sep 24, 20264.22%▲ from 4.16%
  • Sep 18, 20264.16%▲ from 3.96%
  • Sep 8, 20263.96%first recorded
Ivy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
1374 Massachusetts Ave, Cambridge, MA 02138
3 Month CD
$0
4.25% ▲ 2.16% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.09%▲ 2.16% above avg
Details

Rates effective as of 9/22/26 and are subject to change without notice. Minimum opening deposit of $1,000. The Annual Percentage Yield (APY) is based on monthly compounding with funds held to maturity. $10 minimum daily balance required to earn APY. Additional deposits are not permitted. Substantial penalties for early withdrawal may be imposed. Withdrawals and penalties may reduce earnings. For more information, please refer to our disclosures.

Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 6, 2026: 4.25% APYOct 6, 2026Oct 13, 2026
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
3-MONTH CD
$0
4.25% ▲ 2.16% above avg
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.09%▲ 2.16% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
300 Arneill Rd, Camarillo, CA 93010
3 Month Term Share Certificate
$500
4.25% ▲ 2.16% above avg
View
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.09%▲ 2.16% above avg
Details

Term: 3 Months with Epic Premium Checking; Epic Premium Checking relationship rate

Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 25, 2026: 4.00% APYOct 4, 2026: 4.25% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.25%▲ from 4.00%
  • Sep 25, 20264.00%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 months)
$250,001
4.23% ▲ 2.14% above avg
View
▼
Rate4.15%
Min Deposit$250,001
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.09%▲ 2.14% above avg
Details

IRA Certificate; minimum deposit tier $250,001

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.23% ▲ 0.26 pts · high 4.23% / low 3.97%
3.47%4.10%4.73%Sep 14, 2026: 3.97% APYSep 21, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20264.23%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
15 S Main St, Deerfield, WI 53531
90 Day Certificate of Deposit
$1,000
4.21% ▲ 2.12% above avg
View
▼
Rate4.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.09%▲ 2.12% above avg
Details

No additional details available.

Rate History
No change since Sep 19, 2026 · 4.21% APY · checked 6 times
3.71%4.21%4.71%Sep 19, 2026: 4.21% APYSep 19, 2026Oct 13, 2026
Heritage Bank Minnesota
Institution Rating:
A-4.4 ★Texas Ratio: 8.07%
181 Main St, West Concord, MN 55985
3 Month Fixed CD
$250
4.16% ▲ 2.07% above avg
View
▼
Rate4.10%
Min Deposit$250
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.09%▲ 2.07% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 6 times
3.66%4.16%4.66%Sep 14, 2026: 4.16% APYSep 14, 2026Oct 13, 2026
First Security B&T Co.
Institution Rating:
F1.0 ★Texas Ratio: 111.10%
1541 Ne 23rd St, Oklahoma City, OK 73111
90 Day CD
$1,000
4.15% ▲ 2.06% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 2, 2026
MBR National Avg2.09%▲ 2.06% above avg
Details

APY accurate as of 10/01/26 - 11/20/26. Minimum $1,000.00 to open and obtain the APY. Early withdrawal penalty may apply.

Rate History
No change since Oct 2, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 2, 2026: 4.15% APYOct 2, 2026Oct 13, 2026
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
3 Month FDIC-Insured Certificate of Deposit
$0
4.15% ▲ 2.06% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.09%▲ 2.06% above avg
Details

No additional details available.

Rate History
2 changes since Sep 24, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.20% / low 4.10%
3.60%4.15%4.70%Sep 24, 2026: 4.10% APYSep 27, 2026: 4.20% APYOct 3, 2026: 4.15% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20264.15%▼ from 4.20%
  • Sep 27, 20264.20%▲ from 4.10%
  • Sep 24, 20264.10%first recorded
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
2400 W Bridge St, Owatonna, MN 55060 5003
Share Certificate - 3-Month Special
$0
4.15% ▲ 2.06% above avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.09%▲ 2.06% above avg
Details

Special rate for new certificates only; does not apply to renewals; renews to a 6-month term at maturity; Account holder may be subject to early withdrawal penalty

Rate History
No change since Oct 13, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 13, 2026
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
1508 Stillwater Ave, Cheyenne, WY 82009
3 Month CD
$0
4.14% ▲ 2.05% above avg
View
▼
Rate4.06%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.09%▲ 2.05% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.14% ▲ 0.54 pts · high 4.14% / low 3.60%
3.06%3.87%4.68%Sep 14, 2026: 3.60% APYSep 24, 2026: 4.14% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.14%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
3 Month Momentum Share Certificate
$0
4.13% ▲ 2.04% above avg
View
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.09%▲ 2.04% above avg
Details

Special; Balance: $1000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 13, 2026

6 Month CD Rates

MonitorBankRates National Average · 6 Month CD2.78% APY▲ 0.02% from last week
View 6-month CD rate trend

The national average 6-month CD rate is 2.78% APY as of October 13, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
6 Month Teen CD
$1,000
10.00% ▲ 7.22% above avg
View
▼
Rate9.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.78%▲ 7.22% above avg
Details

max $1,000

Rate History
No change since Sep 14, 2026 · 10.00% APY · checked 8 times
9.50%10.00%10.50%Sep 14, 2026: 10.00% APYSep 14, 2026Oct 13, 2026
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
475 Etna St Ste 10, Saint Paul, MN 55106 5845
6 Month NEW Youth CD
$500
8.00% ▲ 5.22% above avg
View
▼
Rate8.00%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.78%▲ 5.22% above avg
Details

$500-$1000; limit of one CD per member; Open a Youth CD

Rate History
No change since Sep 18, 2026 · 8.00% APY · checked 5 times
7.50%8.00%8.50%Sep 18, 2026: 8.00% APYSep 18, 2026Oct 13, 2026
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
55 Stevens St, Lockport, NY 14094 4229
6 Month Youth Share Certificate
$0
6.00% ▲ 3.22% above avg
View
▼
Rate5.83%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.78%▲ 3.22% above avg
Details

Balance: $50 - $5,000; Effective as of June 15, 2026

Rate History
No change since Oct 5, 2026 · 6.00% APY · checked 3 times
5.50%6.00%6.50%Oct 5, 2026: 6.00% APYOct 5, 2026Oct 13, 2026
Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
1224 4th Ave S, Park Falls, WI 54552 1923
6 Month Youth Share Certificate
$100
5.06% ▲ 2.28% above avg
View
▼
Rate5.00%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.78%▲ 2.28% above avg
Details

Accounts: Teen Cents Club, Junior Savers, Kangaroo Kids Club; Maximum $5,000.00 (Aggregate); Dividends compounded semi-annually; Subject to penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 5.06% APY · checked 7 times
4.56%5.06%5.56%Sep 18, 2026: 5.06% APYSep 18, 2026Oct 13, 2026
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6310 Dixie Hwy, Bridgeport, MI 48722
6 month - 4H or FFA CD
$0
5.05% ▲ 2.27% above avg
View
▼
Rate4.93%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.78%▲ 2.27% above avg
Details

Minimum: Amount of 4H or FFA - Youth Fair Participation Check; Max $5,000

Rate History
No change since Sep 14, 2026 · 5.05% APY · checked 8 times
4.55%5.05%5.55%Sep 14, 2026: 5.05% APYSep 14, 2026Oct 13, 2026
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
6-month TSC
$1,000
5.00% ▲ 2.22% above avg
View
▼
Rate4.89%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.78%▲ 2.22% above avg
Details

No additional details available.

Rate History
1 change since Sep 12, 2026 · 4.00% → 5.00% ▲ 1.00 pts · high 5.00% / low 4.00%
3.00%4.50%6.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 5.00% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20265.00%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
320 S Kansas Ave Ste 100, Topeka, KS 66603 3644
Kid's Certificate 6 Month
$0
5.00% ▲ 2.22% above avg
View
▼
Rate4.91%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.78%▲ 2.22% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 13, 2026
Gulf Coast Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
12364 Highway 49, Gulfport, MS 39503
6 Month Youth Share Certificate
$0
5.00% ▲ 2.22% above avg
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.78%▲ 2.22% above avg
Details

Balance: $500-$15,000

Rate History
No change since Oct 8, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 8, 2026: 5.00% APYOct 8, 2026Oct 13, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
6 Month Youth Saver Certificate
$500
5.00% ▲ 2.22% above avg
View
▼
Rate4.88%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.78%▲ 2.22% above avg
Details

No additional details available.

Rate History
No change since Oct 10, 2026 · 5.00% APY
4.50%5.00%5.50%Oct 10, 2026: 5.00% APYOct 10, 2026Oct 13, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
130 Fisher Rd, Berlin, VT 05602
New 6 month CD Special
$0
5.00% ▲ 2.22% above avg
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.78%▲ 2.22% above avg
Details

Must be funded by new money not currently on deposit; Dividends paid Monthly

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 13, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
348 W Michigan Ave, Kalamazoo, MI 49007
Rising Rate Certificate of Deposit - Third 6-month Term
$0
4.75% ▲ 1.97% above avg
View
▼
Rate4.65%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.78%▲ 1.97% above avg
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 4.75% APY · checked 3 times
4.25%4.75%5.25%Oct 7, 2026: 4.75% APYOct 7, 2026Oct 13, 2026
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
7007 Broadway Ave, Cleveland, OH 44105
6 Month Bonus CD
$500
4.75% ▲ 1.97% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.78%▲ 1.97% above avg
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 4.75% APY · checked 2 times
4.25%4.75%5.25%Oct 7, 2026: 4.75% APYOct 7, 2026Oct 13, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
6 Month Business Share Certificates PROMO
$50,000
4.75% ▲ 1.97% above avg
View
▼
Rate4.65%
Min Deposit$50,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.78%▲ 1.97% above avg
Details

Promo; 25% of opening deposit must be new money; penalty for early withdrawal; at maturity converts to regular certificate

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 13, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
6 Month Youth Certificates
$0
4.75% ▲ 1.97% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.78%▲ 1.97% above avg
Details

Term: 6 months - FEATURED RATE

Rate History
No change since Sep 30, 2026 · 4.75% APY · checked 4 times
4.25%4.75%5.25%Sep 30, 2026: 4.75% APYSep 30, 2026Oct 13, 2026
Government Printing Office Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
732 N Capitol ST NW, Washington, DC 20401 0002
6 Month Certificate
$500
4.62% ▲ 1.84% above avg
View
▼
Rate4.54%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.78%▲ 1.84% above avg
Details

No additional details available.

Rate History
1 change since Oct 8, 2026 · 2.52% → 4.62% ▲ 2.09 pts · high 4.62% / low 2.52%
0.43%3.57%6.71%Oct 8, 2026: 2.52% APYOct 12, 2026: 4.62% APYOct 8, 2026Oct 13, 2026
  • Oct 12, 20264.62%▲ from 2.52%
  • Oct 8, 20262.52%first recorded
Midwest Family Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
2832 WILLOWCREEK RD, PORTAGE, IN 46368
6 Month Loyalty Certificate Promo
$0
4.59% ▲ 1.81% above avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.78%▲ 1.81% above avg
Details

Qualifications Required; Checking and Savings account, Debit card, currently have Direct Deposit; money must be new to MWFFCU; APR column shown as 4.50%; Penalty for early withdrawal is loss of 90 days dividends

Rate History
No change since Sep 17, 2026 · 4.59% APY · checked 7 times
4.09%4.59%5.09%Sep 17, 2026: 4.59% APYSep 17, 2026Oct 13, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
6 Month 75th Anniversary Certificates of Deposit
$7,500
4.58% ▲ 1.80% above avg
View
▼
Rate—
Min Deposit$7,500
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.78%▲ 1.80% above avg
Details

Get complete details here

Rate History
No change since Oct 10, 2026 · 4.58% APY
4.08%4.58%5.08%Oct 10, 2026: 4.58% APYOct 10, 2026Oct 13, 2026
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1290 S Donahue Dr, Auburn, AL 36832 6330
180 Day Share Certificate
$0
4.56% ▲ 1.78% above avg
View
▼
Rate4.56%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.78%▲ 1.78% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.56% ▲ 0.56 pts · high 4.56% / low 4.00%
3.44%4.28%5.12%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.56% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.56%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
The Community State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
405 Us Highway 271, Wister, OK 74966
6 Month CD
$0
4.55% ▲ 1.77% above avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.78%▲ 1.77% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.55% ▲ 0.25 pts · high 4.55% / low 4.30%
3.80%4.43%5.05%Sep 14, 2026: 4.30% APYSep 24, 2026: 4.55% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.55%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
6 Month Jumbo Certificate of Deposit
$0
4.54% ▲ 1.76% above avg
View
▼
Rate4.45%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.78%▲ 1.76% above avg
Details

No additional details available.

Rate History
No change since Oct 8, 2026 · 4.54% APY · checked 2 times
4.04%4.54%5.04%Oct 8, 2026: 4.54% APYOct 8, 2026Oct 13, 2026
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
100 S Cherry St, Mount Pleasant, IA 52641
6 Month Share Certificate
$500
4.50% ▲ 1.72% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.78%▲ 1.72% above avg
Details

Dividends compounded and credited at maturity; Rates as of August 21, 2026

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
Jumbo Certificate - 6 Month
$0
4.50% ▲ 1.72% above avg
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.78%▲ 1.72% above avg
Details

Interest paid monthly; JUMBO; account code 54

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 13, 2026
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
105 E Winslow Rd, Bloomington, IN 47401
6-month paid monthly
$0
4.50% ▲ 1.72% above avg
View
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.78%▲ 1.72% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
AmeriCU Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
1916 Black River Blvd N, Rome, NY 13440 2430
6 Month Share Certificates
$50
4.50% ▲ 1.72% above avg
View
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.78%▲ 1.72% above avg
Details

Annual Percentage Yields (APYs) current as of 9th October 2026 and are subject to change without notice. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 18, 2026: 4.00% APYOct 10, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.50%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
2625 CORPORATE Pl, MONTEREY PARK, CA 91754
6 Month Certificate
$1,000
4.50% ▲ 1.72% above avg
View
▼
Rate4.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.78%▲ 1.72% above avg
Details

Watch your money grow at a premium rate when you agree to receive paperless eStatements. Balances of $50,000 or more earn higher rates. No monthly fee. Auto renewal available. Federally insured balances up to $250,000.00.

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 13, 2026
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
Share Certificate - 6 Months
$1,000
4.50% ▲ 1.72% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.78%▲ 1.72% above avg
Details

Rates as of July 1, 2026; Interest compounded & paid quarterly; Transfer any amount $1,000 or over from your Shares to a CD

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
6 Month Jumbo Share Certificates
$0
4.45% ▲ 1.67% above avg
View
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.78%▲ 1.67% above avg
Details

Balance: $300,000.00 and greater

Rate History
No change since Oct 9, 2026 · 4.45% APY · checked 3 times
3.95%4.45%4.95%Oct 9, 2026: 4.45% APYOct 9, 2026Oct 13, 2026
Bank of South Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
300 E King Ave, Kingsville, TX 78363
6 Month CD Offer
$0
4.44% ▲ 1.66% above avg
View
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.78%▲ 1.66% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.28% → 4.44% ▲ 0.16 pts · high 4.44% / low 4.28%
3.78%4.36%4.94%Sep 14, 2026: 4.28% APYOct 3, 2026: 4.44% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20264.44%▲ from 4.28%
  • Sep 14, 20264.28%first recorded
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
126 N Grand Ave, Cowden, IL 62422
6-Month CD
$1,000
4.40% ▲ 1.62% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.78%▲ 1.62% above avg
Details

No additional details available.

Rate History
1 change since Sep 16, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 16, 2026: 4.35% APYOct 12, 2026: 4.40% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20264.40%▲ from 4.35%
  • Sep 16, 20264.35%first recorded
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
15 S Main St, Deerfield, WI 53531
6 Month Certificate of Deposit
$500
4.40% ▲ 1.62% above avg
View
▼
Rate4.35%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.78%▲ 1.62% above avg
Details

No additional details available.

Rate History
No change since Sep 19, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 19, 2026: 4.40% APYSep 19, 2026Oct 13, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
6 Month High-Yield CD
$500
4.40% ▲ 1.62% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.78%▲ 1.62% above avg
Details

10-Day CD Rate Guarantee

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
6-Month Certificate
$100
4.40% ▲ 1.62% above avg
View
▼
Rate4.31%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.78%▲ 1.62% above avg
Details

Minimum balance to open and earn APY: $100; dividends compounded and paid monthly; APY fixed for full term

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 14, 2026: 4.30% APYOct 5, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.40%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
315 Croghan St, Fremont, OH 43420 3013
Share Certificates - 6 Month
$0
4.40% ▲ 1.62% above avg
View
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.78%▲ 1.62% above avg
Details

Type: Regular/IRA; Dividends compound & paid: Daily

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.40% ▲ 0.44 pts · high 4.40% / low 3.96%
3.46%4.18%4.90%Sep 14, 2026: 3.96% APYOct 12, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.40%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
341 Englewood Ave, Buffalo, NY 14223 2819
6 Month Certificate of Deposit
$1,000
4.40% ▲ 1.62% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.78%▲ 1.62% above avg
Details

No additional details available.

Rate History
1 change since Sep 25, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15%
3.65%4.28%4.90%Sep 25, 2026: 4.15% APYOct 12, 2026: 4.40% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20264.40%▲ from 4.15%
  • Sep 25, 20264.15%first recorded
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
6 Month Certificate
$1,000
4.36% ▲ 1.58% above avg
View
▼
Rate4.32%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.78%▲ 1.58% above avg
Details

Early Withdrawal Penalty: 3 Month Interest

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.36% ▲ 0.54 pts · high 4.36% / low 3.82%
3.28%4.09%4.90%Sep 14, 2026: 3.82% APYOct 7, 2026: 4.36% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.36%▲ from 3.82%
  • Sep 14, 20263.82%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) - 6 Month
$0
4.36% ▲ 1.58% above avg
View
▼
Rate4.29%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.78%▲ 1.58% above avg
Details

No additional details available.

Rate History
No change since Oct 10, 2026 · 4.36% APY
3.86%4.36%4.86%Oct 10, 2026: 4.36% APYOct 10, 2026Oct 13, 2026
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
6 MONTH CD
$500,000
4.35% ▲ 1.57% above avg
View
▼
Rate4.30%
Min Deposit$500,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.78%▲ 1.57% above avg
Details

No additional details available.

Rate History
3 changes since Sep 8, 2026 · 4.14% → 4.35% ▲ 0.21 pts · high 4.45% / low 4.14%
3.64%4.30%4.95%Sep 8, 2026: 4.14% APYSep 18, 2026: 4.35% APYSep 27, 2026: 4.45% APYOct 7, 2026: 4.35% APYSep 8, 2026Oct 13, 2026
  • Oct 7, 20264.35%▼ from 4.45%
  • Sep 27, 20264.45%▲ from 4.35%
  • Sep 18, 20264.35%▲ from 4.14%
  • Sep 8, 20264.14%first recorded
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
6 Month Certificate
$50,000
4.35% ▲ 1.57% above avg
View
▼
Rate4.35%
Min Deposit$50,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.78%▲ 1.57% above avg
Details

Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted

Rate History
2 changes since Sep 14, 2026 · 4.20% → 4.35% ▲ 0.15 pts · high 4.35% / low 4.20%
3.70%4.28%4.85%Sep 14, 2026: 4.20% APYSep 24, 2026: 4.25% APYOct 7, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.35%▲ from 4.25%
  • Sep 24, 20264.25%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
6 Month Certificate
$2,000
4.35% ▲ 1.57% above avg
View
▼
Rate4.26%
Min Deposit$2,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.78%▲ 1.57% above avg
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 13, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
6 Month Certificate
$0
4.35% ▲ 1.57% above avg
View
▼
Rate4.26%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.78%▲ 1.57% above avg
Details

No additional details available.

Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 6, 2026: 4.35% APYOct 6, 2026Oct 13, 2026
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
350 Harrison Bridge Rd, Simpsonville, SC 29680
6 Month Term Share Certificate
$100,001
4.34% ▲ 1.56% above avg
View
▼
Rate4.25%
Min Deposit$100,001
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.78%▲ 1.56% above avg
Details

Deposit Amount: $100,001 and up

Rate History
1 change since Oct 4, 2026 · 3.82% → 4.34% ▲ 0.52 pts · high 4.34% / low 3.82%
3.30%4.08%4.86%Oct 4, 2026: 3.82% APYOct 12, 2026: 4.34% APYOct 4, 2026Oct 13, 2026
  • Oct 12, 20264.34%▲ from 3.82%
  • Oct 4, 20263.82%first recorded
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
Share Certificate - 6 Month
$1,000
4.33% ▲ 1.55% above avg
View
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.78%▲ 1.55% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.33% ▲ 0.38 pts · high 4.33% / low 3.95%
3.45%4.14%4.83%Sep 14, 2026: 3.95% APYSep 25, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.33%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
182 37th Ave N, Saint Petersburg, FL 33704
6-Month Penalty-Free CD
$500
4.33% ▲ 1.55% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.78%▲ 1.55% above avg
Details

No penalty for early withdrawals

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYSep 24, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
820 W Broadway, Louisville, KY 40202
6 Month Certificate
$0
4.33% ▲ 1.55% above avg
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.78%▲ 1.55% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 5 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
4405 Summerhill Rd, Texarkana, TX 75503
6 Month TEAL Certificate
$250
4.33% ▲ 1.55% above avg
View
▼
Rate4.25%
Min Deposit$250
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.78%▲ 1.55% above avg
Details

Age: 13-17; Dividends Credited/Compounded: Monthly; $250 Minimum

Rate History
No change since Oct 12, 2026 · 4.33% APY
3.83%4.33%4.83%Oct 12, 2026: 4.33% APYOct 12, 2026Oct 13, 2026
Collegedale Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
5046 University Drive, Collegedale, TN 37315
Term Share Certificates - 6 Months
$0
4.33% ▲ 1.55% above avg
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.78%▲ 1.55% above avg
Details

See footnote **

Rate History
No change since Oct 10, 2026 · 4.33% APY
3.83%4.33%4.83%Oct 10, 2026: 4.33% APYOct 10, 2026Oct 13, 2026
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
4624 W Napoleon Ave, Metairie, LA 70001 2492
Share Certificate - 6-Month
$1,000
4.33% ▲ 1.55% above avg
View
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.78%▲ 1.55% above avg
Details

Rate tier: Base Rate + 1.25%; Dividends paid monthly

Rate History
No change since Sep 18, 2026 · 4.33% APY · checked 4 times
3.83%4.33%4.83%Sep 18, 2026: 4.33% APYSep 18, 2026Oct 13, 2026
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
6 Month CD
$1,000
4.32% ▲ 1.54% above avg
View
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.78%▲ 1.54% above avg
Details

Balance: $100,000 & over

Rate History
2 changes since Sep 20, 2026 · 4.22% → 4.32% ▲ 0.10 pts · high 4.32% / low 4.22%
3.72%4.27%4.82%Sep 20, 2026: 4.22% APYSep 24, 2026: 4.27% APYOct 3, 2026: 4.32% APYSep 20, 2026Oct 13, 2026
  • Oct 3, 20264.32%▲ from 4.27%
  • Sep 24, 20264.27%▲ from 4.22%
  • Sep 20, 20264.22%first recorded
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
1001 Post Rd, Darien, CT 06820
Prime Certificates of Deposit (CD) - 6 month
$500
4.30% ▲ 1.52% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.78%▲ 1.52% above avg
Details

No additional details available.

Rate History
No change since Oct 8, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 8, 2026: 4.30% APYOct 8, 2026Oct 13, 2026
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
3280 N University Ave, Provo, UT 84604
6 Month Business CD
$1,000
4.30% ▲ 1.52% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.78%▲ 1.52% above avg
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1680 Capital One Dr, Mclean, VA 22102
6 Month 360 CDs
$0
4.30% ▲ 1.52% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.78%▲ 1.52% above avg
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
6 Month FDIC-Insured Certificate of Deposit
$0
4.30% ▲ 1.52% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.78%▲ 1.52% above avg
Details

No additional details available.

Rate History
2 changes since Sep 24, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 24, 2026: 4.20% APYOct 3, 2026: 4.25% APYOct 7, 2026: 4.30% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20264.30%▲ from 4.25%
  • Oct 3, 20264.25%▲ from 4.20%
  • Sep 24, 20264.20%first recorded
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3305 Steck Ave Ste 275, Austin, TX 78757
6 Month CD
$1,000
4.30% ▲ 1.52% above avg
View
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.78%▲ 1.52% above avg
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
3.54%4.17%4.80%Sep 14, 2026: 4.04% APYOct 7, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.30%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
2701 N Thanksgiving Way, Lehi, UT 84043
6 Month Consumer Certificate of Deposit
$500
4.30% ▲ 1.52% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.78%▲ 1.52% above avg
Details

Maximum opening deposit $500,000.00

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 14, 2026: 4.20% APYOct 8, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.30%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
1500 W American Dr, Neenah, WI 54956
Certificates of Deposits - 6 months
$1,000
4.30% ▲ 1.52% above avg
View
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.78%▲ 1.52% above avg
Details

Rates effective 09/24/2026; APY assumes dividends remain until maturity; dividends paid semi-annually and at maturity; early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 13, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
6 Month Share Certificate
$0
4.30% ▲ 1.52% above avg
View
▼
Rate4.22%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.78%▲ 1.52% above avg
Details

Balance: $1,000

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.30%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
WebBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
215 S State St, Salt Lake City, UT 84111
6 Month CD
$0
4.26% ▲ 1.48% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.78%▲ 1.48% above avg
Details

No additional details available.

Rate History
1 change since Sep 7, 2026 · 3.96% → 4.26% ▲ 0.30 pts · high 4.26% / low 3.96%
3.46%4.11%4.76%Sep 7, 2026: 3.96% APYSep 27, 2026: 4.26% APYSep 7, 2026Oct 13, 2026
  • Sep 27, 20264.26%▲ from 3.96%
  • Sep 7, 20263.96%first recorded
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
410 Division St, Withee, WI 54498
6 Month CD
$500
4.25% ▲ 1.47% above avg
View
▼
Rate4.19%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.78%▲ 1.47% above avg
Details

Balance: $500 - $9,999.99

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
The Citizens Bank Enterprise, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
301 S Edwards St, Enterprise, AL 36330
6 Month CD Special
$25,000
4.20% ▲ 1.42% above avg
View
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.78%▲ 1.42% above avg
Details

Limited-time special offer. Funds must be new money.

Rate History
No change since Sep 19, 2026 · 4.20% APY · checked 7 times
3.70%4.20%4.70%Sep 19, 2026: 4.20% APYSep 19, 2026Oct 13, 2026
Portage Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
880 108th Avenue Ne, Bellevue, WA 98004
6-Month Promo CD
$10,000
4.15% ▲ 1.37% above avg
View
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.78%▲ 1.37% above avg
Details

Promotional; available only October 6th-December 31st, 2026; new deposits only; $10,000-$1,000,000 to open; renews once at 3.65% (3.68% APY) for same 6-month term

Rate History
1 change since Sep 30, 2026 · 4.04% → 4.15% ▲ 0.11 pts · high 4.15% / low 4.04%
3.54%4.10%4.65%Sep 30, 2026: 4.04% APYOct 8, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
  • Oct 8, 20264.15%▲ from 4.04%
  • Sep 30, 20264.04%first recorded

12 Month CD Rates

MonitorBankRates National Average · 12 Month CD2.99% APY▲ 0.03% from last week
View 12-month CD rate trend

The national average 12-month CD rate is 2.99% APY as of October 13, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Southeast Missouri Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
312 W Main St, Park Hills, MO 63601 2544
12 month Youth CD
$100
6.14% ▲ 3.15% above avg
View
▼
Rate6.00%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.99%▲ 3.15% above avg
Details

$1000.00 Maximum

Rate History
No change since Oct 10, 2026 · 6.14% APY
5.64%6.14%6.64%Oct 10, 2026: 6.14% APYOct 10, 2026Oct 13, 2026
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
12 Month Youth Certificates
$500
6.03% ▲ 3.04% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.99%▲ 3.04% above avg
Details

Age: 19; Maximum $20,000.00 per child, regardless of number of certificates held

Rate History
No change since Sep 14, 2026 · 6.03% APY · checked 8 times
5.53%6.03%6.53%Sep 14, 2026: 6.03% APYSep 14, 2026Oct 13, 2026
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
10461 White Granite Dr, Oakton, VA 22124
Flexible Saver - 1 Year Certificate
$100
6.00% ▲ 3.01% above avg
View
▼
Rate5.83%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.99%▲ 3.01% above avg
Details

No additional details available.

Rate History
No change since Sep 20, 2026 · 6.00% APY · checked 5 times
5.50%6.00%6.50%Sep 20, 2026: 6.00% APYSep 20, 2026Oct 13, 2026
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
100 E Main St, Black River Falls, WI 54615
12 Month Youth Saver Certificate
$100
6.00% ▲ 3.01% above avg
View
▼
Rate5.87%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.99%▲ 3.01% above avg
Details

Youth certificate; $100 minimum, $3,000 maximum

Rate History
No change since Sep 14, 2026 · 6.00% APY · checked 8 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APYSep 14, 2026Oct 13, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306
12 Month Relationship Certificate
$0
5.90% ▲ 2.91% above avg
View
▼
Rate5.75%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.99%▲ 2.91% above avg
Details

Relationship Certificate(12 months)Terms Apply

Rate History
No change since Sep 25, 2026 · 5.90% APY · checked 3 times
5.40%5.90%6.40%Sep 25, 2026: 5.90% APYSep 25, 2026Oct 13, 2026
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1910 South Ave, La Crosse, WI 54601
Teenager (Age 13-17) - 12 Month Term (Deposit Certificiate)
$100
5.50% ▲ 2.51% above avg
View
▼
Rate5.39%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.99%▲ 2.51% above avg
Details

Ages: 13-17; Additional deposits not permitted; early withdrawal penalty 180 days interest

Rate History
No change since Oct 13, 2026 · 5.50% APY
5.00%5.50%6.00%Oct 13, 2026: 5.50% APYOct 13, 2026Oct 13, 2026
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
55 Stevens St, Lockport, NY 14094 4229
1 Year Youth Share Certificate
$0
5.50% ▲ 2.51% above avg
View
▼
Rate5.35%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.99%▲ 2.51% above avg
Details

Balance: $50 - $5,000; Effective as of June 15, 2026

Rate History
No change since Oct 5, 2026 · 5.50% APY · checked 3 times
5.00%5.50%6.00%Oct 5, 2026: 5.50% APYOct 5, 2026Oct 13, 2026
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
417 High St, Frankfort, KY 40601
Traditional Grow with Me 12-Month Certificate
$250
5.25% ▲ 2.26% above avg
View
▼
Rate5.13%
Min Deposit$250
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.99%▲ 2.26% above avg
Details

This account is available only for members under 18 years of age.; Youth Products (Regular, Traditional IRA, and Roth IRA)

Rate History
1 change since Sep 30, 2026 · 5.15% → 5.25% ▲ 0.10 pts · high 5.25% / low 5.15%
4.65%5.20%5.75%Sep 30, 2026: 5.15% APYOct 1, 2026: 5.25% APYSep 30, 2026Oct 13, 2026
  • Oct 1, 20265.25%▲ from 5.15%
  • Sep 30, 20265.15%first recorded
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
1480 E Jefferson Ave, Detroit, MI 48207
12 Month Legacy CD
$5,000
5.15% ▲ 2.16% above avg
View
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.99%▲ 2.16% above avg
Details

Legacy CD: for those opening an account after a member passes away; funds must have been on deposit at DMCU at the time of death; two withdrawals without penalty, penalty on the third withdrawal and account closes; $5,000 minimum, $1,000,000 maximum deposit

Rate History
No change since Sep 18, 2026 · 5.15% APY · checked 5 times
4.65%5.15%5.65%Sep 18, 2026: 5.15% APYSep 18, 2026Oct 13, 2026
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2711 Commercial Way, Montrose, CO 81401
12 Month DREAM Certificate
$100
5.12% ▲ 2.13% above avg
View
▼
Rate5.00%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.99%▲ 2.13% above avg
Details

Tiered by daily balance: up to $1,000.00 earns the DREAM Certificate rate; $1,000.01 and over earn the 12-Month Certificate rate; Add-on certificate

Rate History
No change since Sep 14, 2026 · 5.12% APY · checked 7 times
4.62%5.12%5.62%Sep 14, 2026: 5.12% APYSep 14, 2026Oct 13, 2026
Spokane Media Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.28%
6103 N Astor St, Spokane, WA 99208 8102
Balance Certificate Builder - 1 Year
$1
5.12% ▲ 2.13% above avg
View
▼
Rate5.00%
Min Deposit$1
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.99%▲ 2.13% above avg
Details

Balance: $1.00 to $5,000.00; Build via monthly contributions up to $5,000 by maturity; Limit one active Certificate Builder per member; Not available for online purchase

Rate History
No change since Sep 14, 2026 · 5.12% APY · checked 5 times
4.62%5.12%5.62%Sep 14, 2026: 5.12% APYSep 14, 2026Oct 13, 2026
De Soto Mo Pac Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
2082 Rock Rd, De Soto, MO 63020 1052
1 Year Certificate of Deposit
$5,000
5.09% ▲ 2.10% above avg
View
▼
Rate5.00%
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.99%▲ 2.10% above avg
Details

Maximum $100,000.00 for each certificate; 90 penalty for early withdrawal; 10 day grace period at end of contract; Dividends are paid quarterly and deposited to certificate

Rate History
No change since Sep 14, 2026 · 5.09% APY · checked 6 times
4.59%5.09%5.59%Sep 14, 2026: 5.09% APYSep 14, 2026Oct 13, 2026
Universal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
317 31st ST, Huntington, WV 25702 1417
12 Month Share Certificate / IRA Certificate
$0
5.09% ▲ 2.10% above avg
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.99%▲ 2.10% above avg
Details

No additional details available.

Rate History
1 change since Sep 16, 2026 · 3.56% → 5.09% ▲ 1.53 pts · high 5.09% / low 3.56%
2.03%4.32%6.62%Sep 16, 2026: 3.56% APYOct 12, 2026: 5.09% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20265.09%▲ from 3.56%
  • Sep 16, 20263.56%first recorded
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4997 Home Rd, Winston Salem, NC 27106
12 Month Special Limited Term Certificate
$5,000
5.00% ▲ 2.01% above avg
View
▼
Rate4.88%
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.99%▲ 2.01% above avg
Details

No additional details available.

Rate History
No change since Oct 9, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Oct 9, 2026: 5.00% APYOct 9, 2026Oct 13, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
12 Month Jumbo Certificate
$100,000
5.00% ▲ 2.01% above avg
View
▼
Rate4.88%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.99%▲ 2.01% above avg
Details

12-month jumbo certificate cannot be opened online. Visit any branch or call 1-800-877-6440 for support.

Rate History
No change since Oct 6, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 6, 2026: 5.00% APYOct 6, 2026Oct 13, 2026
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
320 W 15th St Ste 128, Los Angeles, CA 90015 3092
12 Month Certificates
$0
5.00% ▲ 2.01% above avg
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.99%▲ 2.01% above avg
Details

Balance: $25,000; Rate effective October 1, 2026

Rate History
1 change since Sep 18, 2026 · 2.00% → 5.00% ▲ 3.00 pts · high 5.00% / low 2.00%
0.00%4.00%8.00%Sep 18, 2026: 2.00% APYOct 9, 2026: 5.00% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.00%▲ from 2.00%
  • Sep 18, 20262.00%first recorded
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
12 Month StartUP Share Certificate
$0
5.00% ▲ 2.01% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.99%▲ 2.01% above avg
Details

Maximum Balance: $1,000; Limit one StartUP Share Certificate per member

Rate History
No change since Sep 18, 2026 · 5.00% APY · checked 5 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APYSep 18, 2026Oct 13, 2026
Clinton Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.56%
200 Church St, Clinton, MA 01510
12-month Get Real Add-On CD
$100
5.00% ▲ 2.01% above avg
View
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.99%▲ 2.01% above avg
Details

APY (Annual Percentage Yield) is for 12-month Get Real Add-On CD promotional rate CD. Rate effective 8/28/2025. The APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Minimum deposit of $100.00 required to open CD and a $10.00 minimum balance required to obtain APY. To qualify for this account, you must be 14-25 years of age with an active Get Real Checking Account or Get Real Savings Account. If you are under the age of 18 you will need a signature of a parent or a legal guardian as a joint owner. After the account is opened, you may make deposits until the maturity date. Deposits can be made at the branch or transferred from another account via online banking or our mobile app. At maturity, the 12-month Get Real Add-On CD will revert to a 12-month CD which will not accept additional deposits after the account is opened with the non-promotional APY at that time. Early withdrawal penalties may apply. Fees may reduce earnings. Offer may be withdrawn at any time. Not to be combined with any additional promotional offer. For more information, please call 978-365-3700.

Rate History
1 change since Sep 19, 2026 · 3.00% → 5.00% ▲ 2.00 pts · high 5.00% / low 3.00%
1.00%4.00%7.00%Sep 19, 2026: 3.00% APYOct 11, 2026: 5.00% APYSep 19, 2026Oct 13, 2026
  • Oct 11, 20265.00%▲ from 3.00%
  • Sep 19, 20263.00%first recorded
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4100 Clemmons Rd, Clemmons, NC 27012
Limited-Time 12 Month Term (new external funds required)
$0
5.00% ▲ 2.01% above avg
View
▼
Rate4.88%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.99%▲ 2.01% above avg
Details

New external funds required

Rate History
No change since Oct 7, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 7, 2026: 5.00% APYOct 7, 2026Oct 13, 2026
OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
944 E State St, Athens, OH 45701
12 Month Easy Save Certificate
$0
5.00% ▲ 2.01% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.99%▲ 2.01% above avg
Details

One Easy Save Certificate per member, per tax year. Maximum deposit balance is $6,500 (if you qualify).

Rate History
No change since Oct 9, 2026 · 5.00% APY
4.50%5.00%5.50%Oct 9, 2026: 5.00% APYOct 9, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4794 Lawrenceville Hwy NW, Lilburn, GA 30047
12 Month Family Legacy Certificate Account
$0
5.00% ▲ 2.01% above avg
View
▼
Rate4.91%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.99%▲ 2.01% above avg
Details

Eligibility: must be opened within two years of the date of death; eligibility subject to verification; 12-month fixed term from account opening; one renewal at rate in effect at maturity, rate not guaranteed to match original

Rate History
1 change since Sep 14, 2026 · 4.91% → 5.00% ▲ 0.09 pts · high 5.00% / low 4.91%
4.41%4.96%5.50%Sep 14, 2026: 4.91% APYSep 17, 2026: 5.00% APYSep 14, 2026Oct 13, 2026
  • Sep 17, 20265.00%▲ from 4.91%
  • Sep 14, 20264.91%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
1 Year Certificate
$500
4.95% ▲ 1.96% above avg
View
▼
Rate4.83%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.99%▲ 1.96% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.55% → 4.95% ▲ 0.40 pts · high 4.95% / low 4.55%
4.05%4.75%5.45%Sep 14, 2026: 4.55% APYOct 10, 2026: 4.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.95%▲ from 4.55%
  • Sep 14, 20264.55%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
12 Month 75th Anniversary Certificates of Deposit
$7,500
4.84% ▲ 1.85% above avg
View
▼
Rate—
Min Deposit$7,500
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.99%▲ 1.85% above avg
Details

Get complete details here

Rate History
No change since Oct 10, 2026 · 4.84% APY
4.34%4.84%5.34%Oct 10, 2026: 4.84% APYOct 10, 2026Oct 13, 2026
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2821 Hewitt Ave, Everett, WA 98201
12 Month Certificate of Deposit
$500
4.83% ▲ 1.84% above avg
View
▼
Rate4.75%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.99%▲ 1.84% above avg
Details

No additional details available.

Rate History
1 change since Sep 30, 2026 · 3.03% → 4.83% ▲ 1.80 pts · high 4.83% / low 3.03%
1.23%3.93%6.63%Sep 30, 2026: 3.03% APYOct 1, 2026: 4.83% APYSep 30, 2026Oct 13, 2026
  • Oct 1, 20264.83%▲ from 3.03%
  • Sep 30, 20263.03%first recorded
United Midwest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
101 N Main St, West Manchester, OH 45382
6-12 Month CD
$0
4.75% ▲ 1.76% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 3, 2026
MBR National Avg2.99%▲ 1.76% above avg
Details

No additional details available.

Rate History
No change since Oct 3, 2026 · 4.75% APY · checked 2 times
4.25%4.75%5.25%Oct 3, 2026: 4.75% APYOct 3, 2026Oct 13, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
12 Month Certificates of Deposit
$0
4.75% ▲ 1.76% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.99%▲ 1.76% above avg
Details

No additional details available.

Rate History
2 changes since Sep 20, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Sep 20, 2026: 4.35% APYOct 4, 2026: 4.40% APYOct 12, 2026: 4.75% APYSep 20, 2026Oct 13, 2026
  • Oct 12, 20264.75%▲ from 4.40%
  • Oct 4, 20264.40%▲ from 4.35%
  • Sep 20, 20264.35%first recorded
Stanford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
1860 Embarcadero Rd, Palo Alto, CA 94303 3335
12-Month Certificate
$100
4.70% ▲ 1.71% above avg
View
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.99%▲ 1.71% above avg
Details

Best rate on the page; the 12-Month Certificate rate shown includes a .50 bonus for active and engaged Loyalty+ members

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.70% ▲ 0.70 pts · high 4.70% / low 4.00%
3.30%4.35%5.40%Sep 14, 2026: 4.00% APYSep 21, 2026: 4.70% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20264.70%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
12 Month Jumbo Certificate of Deposit
$0
4.70% ▲ 1.71% above avg
View
▼
Rate4.60%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.99%▲ 1.71% above avg
Details

No additional details available.

Rate History
No change since Oct 8, 2026 · 4.70% APY · checked 2 times
4.20%4.70%5.20%Oct 8, 2026: 4.70% APYOct 8, 2026Oct 13, 2026
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
676 Magnolia Ave, Port Neches, TX 77651
12 Month Certificate
$0
4.65% ▲ 1.66% above avg
View
▼
Rate4.55%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.99%▲ 1.66% above avg
Details

Certificate Rates (100,000 minimum balance)

Rate History
No change since Sep 17, 2026 · 4.65% APY · checked 3 times
4.15%4.65%5.15%Sep 17, 2026: 4.65% APYSep 17, 2026Oct 13, 2026
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
12 Month Certificate
$0
4.63% ▲ 1.64% above avg
View
▼
Rate4.55%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.99%▲ 1.64% above avg
Details

Balance: $35,000+

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.63% ▲ 1.08 pts · high 4.63% / low 3.55%
2.47%4.09%5.71%Sep 14, 2026: 3.55% APYSep 24, 2026: 4.63% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.63%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
12 MONTH CD
$500,000
4.60% ▲ 1.61% above avg
View
▼
Rate4.60%
Min Deposit$500,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.99%▲ 1.61% above avg
Details

No additional details available.

Rate History
3 changes since Sep 8, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
3.70%4.40%5.10%Sep 8, 2026: 4.20% APYSep 18, 2026: 4.40% APYSep 24, 2026: 4.50% APYOct 2, 2026: 4.60% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20264.60%▲ from 4.50%
  • Sep 24, 20264.50%▲ from 4.40%
  • Sep 18, 20264.40%▲ from 4.20%
  • Sep 8, 20264.20%first recorded
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
12 Month Certificate
$2,000
4.60% ▲ 1.61% above avg
View
▼
Rate4.50%
Min Deposit$2,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.99%▲ 1.61% above avg
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 4.60% APY · checked 2 times
4.10%4.60%5.10%Oct 7, 2026: 4.60% APYOct 7, 2026Oct 13, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
12-Month IRA
$0
4.60% ▲ 1.61% above avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.99%▲ 1.61% above avg
Details

Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates

Rate History
1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
3.56%4.34%5.12%Sep 16, 2026: 4.08% APYOct 8, 2026: 4.60% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.60%▲ from 4.08%
  • Sep 16, 20264.08%first recorded
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
4770 Buford Hwy, Chamblee, GA 30341
12 Month Rewards Certificate
$1,000
4.59% ▲ 1.60% above avg
View
▼
Rate4.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.99%▲ 1.60% above avg
Details

Tenure: 20+ Yrs; Active Checking: Yes

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.59% ▲ 0.52 pts · high 4.59% / low 4.07%
3.55%4.33%5.11%Sep 14, 2026: 4.07% APYOct 8, 2026: 4.59% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.59%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
12-Month Traditional/Roth IRA CD
$100,000
4.59% ▲ 1.60% above avg
View
▼
Rate4.50%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.99%▲ 1.60% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
3.83%4.46%5.09%Sep 14, 2026: 4.33% APYSep 29, 2026: 4.59% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.59%▲ from 4.33%
  • Sep 14, 20264.33%first recorded
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2485 Village View Dr, Henderson, NV 89074
12 Month CERTIFICATES OF DEPOSIT
$0
4.58% ▲ 1.59% above avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.99%▲ 1.59% above avg
Details

No additional details available.

Rate History
1 change since Sep 24, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 24, 2026: 4.32% APYOct 7, 2026: 4.58% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20264.58%▲ from 4.32%
  • Sep 24, 20264.32%first recorded
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
425 Neptune Ave, Brooklyn, NY 11224 4559
1 Year Certificate
$500
4.58% ▲ 1.59% above avg
View
▼
Rate4.50%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.99%▲ 1.59% above avg
Details

Certificate Type: 1 Year (12 months); Required On Deposit: $500.00

Rate History
No change since Oct 5, 2026 · 4.58% APY · checked 2 times
4.08%4.58%5.08%Oct 5, 2026: 4.58% APYOct 5, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1313 Main St, Vancouver, WA 98660 2918
12 Month First CD
$10,000
4.58% ▲ 1.59% above avg
View
▼
Rate4.50%
Min Deposit$10,000
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.99%▲ 1.59% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.50% → 4.58% ▲ 0.08 pts · high 4.58% / low 4.50%
4.00%4.54%5.08%Sep 14, 2026: 4.50% APYSep 26, 2026: 4.58% APYSep 14, 2026Oct 13, 2026
  • Sep 26, 20264.58%▲ from 4.50%
  • Sep 14, 20264.50%first recorded
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
1 Year FDIC-Insured Certificate of Deposit
$0
4.55% ▲ 1.56% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.99%▲ 1.56% above avg
Details

No additional details available.

Rate History
3 changes since Sep 24, 2026 · 4.35% → 4.55% ▲ 0.20 pts · high 4.55% / low 4.35%
3.85%4.45%5.05%Sep 24, 2026: 4.35% APYSep 27, 2026: 4.37% APYOct 3, 2026: 4.50% APYOct 7, 2026: 4.55% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20264.55%▲ from 4.50%
  • Oct 3, 20264.50%▲ from 4.37%
  • Sep 27, 20264.37%▲ from 4.35%
  • Sep 24, 20264.35%first recorded
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
12 Month Share Certificates (CDs) - Jumbo
$1,000
4.53% ▲ 1.54% above avg
View
▼
Rate4.43%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.99%▲ 1.54% above avg
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.53% APY
4.03%4.53%5.03%Oct 13, 2026: 4.53% APYOct 13, 2026Oct 13, 2026
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
12 Month Certificate
$1,000
4.52% ▲ 1.53% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.99%▲ 1.53% above avg
Details

No additional details available.

Rate History
No change since Oct 8, 2026 · 4.52% APY · checked 2 times
4.02%4.52%5.02%Oct 8, 2026: 4.52% APYOct 8, 2026Oct 13, 2026
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
12 Month Certificate
$50,000
4.51% ▲ 1.52% above avg
View
▼
Rate4.51%
Min Deposit$50,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.99%▲ 1.52% above avg
Details

Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted

Rate History
2 changes since Sep 14, 2026 · 4.23% → 4.51% ▲ 0.28 pts · high 4.51% / low 4.23%
3.73%4.37%5.01%Sep 14, 2026: 4.23% APYSep 24, 2026: 4.33% APYOct 7, 2026: 4.51% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.51%▲ from 4.33%
  • Sep 24, 20264.33%▲ from 4.23%
  • Sep 14, 20264.23%first recorded
Credit One Bank, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
6801 S Cimarron Rd, Las Vegas, NV 89113
12 Month High Yield Jumbo CD
$100,000
4.50% ▲ 1.51% above avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.99%▲ 1.51% above avg
Details

10-Day Rate Guarantee. Earn Loyalty Rates when you renew your CD.

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 18, 2026: 4.30% APYOct 7, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20264.50%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
348 W Michigan Ave, Kalamazoo, MI 49007
1 Year Rising Rate Certificate of Deposit - Year 1 term
$0
4.50% ▲ 1.51% above avg
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.99%▲ 1.51% above avg
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 13, 2026
Northern Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.93%
275 Mishawum Rd, Woburn, MA 01801
Premium 12 months
$500
4.50% ▲ 1.51% above avg
View
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.99%▲ 1.51% above avg
Details

Must Open In-Branch

Rate History
1 change since Sep 9, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 9, 2026: 4.30% APYSep 24, 2026: 4.50% APYSep 9, 2026Oct 13, 2026
  • Sep 24, 20264.50%▲ from 4.30%
  • Sep 9, 20264.30%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
12 Month Certificate
$0
4.50% ▲ 1.51% above avg
View
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.99%▲ 1.51% above avg
Details

No additional details available.

Rate History
No change since Oct 6, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 6, 2026: 4.50% APYOct 6, 2026Oct 13, 2026
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2222 W Shaw Ave, Fresno, CA 93711 3419
Share Saver Certificate - 12-Month Term
$500
4.50% ▲ 1.51% above avg
View
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.99%▲ 1.51% above avg
Details

Balance: $500 (maximum principal balance)

Rate History
No change since Oct 9, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 9, 2026: 4.50% APYOct 9, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
12 Month IRA CD
$0
4.50% ▲ 1.51% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.99%▲ 1.51% above avg
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
12 Month Certificate
$500
4.50% ▲ 1.51% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.99%▲ 1.51% above avg
Details

Dividends compounded and credited monthly; Rates effective as of October 13, 2026

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.50%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
12-Month Certificate
$100
4.50% ▲ 1.51% above avg
View
▼
Rate4.41%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.99%▲ 1.51% above avg
Details

Minimum balance to open and earn APY: $100; dividends compounded and paid monthly; APY fixed for full term

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 14, 2026: 4.35% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
8815 Lima Rd, Fort Wayne, IN 46818 1856
Traditional 12-Month IRA Certificate - Premier Member
$500
4.50% ▲ 1.51% above avg
View
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.99%▲ 1.51% above avg
Details

Premier Member rate; Traditional & Roth Certificates Rates

Rate History
No change since Oct 12, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 12, 2026: 4.50% APYOct 12, 2026Oct 13, 2026
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
533 N Alamo Rd, Alamo, TX 78516
12-Month IRA CD Account
$1,000
4.50% ▲ 1.51% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.99%▲ 1.51% above avg
Details

To receive promotional rate, opening deposit cannot originate from pre-existing Freedom Bank account funds. Rate applicable to a maximum of $250,000.00 FDIC coverage per customer relationship. Rates may change after account opening. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Other terms and conditions may apply.

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.50% ▲ 0.68 pts · high 4.50% / low 3.82%
3.14%4.16%5.18%Sep 14, 2026: 3.82% APYSep 24, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.50%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
11 W Ridgely Rd, Lutherville, MD 21093
12 Month CD Online and In Branch
$500
4.46% ▲ 1.47% above avg
View
▼
Rate4.37%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.99%▲ 1.47% above avg
Details

No additional deposits after initial deposit.

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.46% ▲ 0.16 pts · high 4.46% / low 4.30%
3.80%4.38%4.96%Sep 18, 2026: 4.30% APYOct 7, 2026: 4.46% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20264.46%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Comenity Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.12%
1 Righter Pkwy, Wilmington, DE 19803
1-year CD
$1,500
4.45% ▲ 1.46% above avg
View
▼
Rate—
Min Deposit$1,500
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.99%▲ 1.46% above avg
Details

A penalty will be imposed for early withdrawals on CDs. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.

Rate History
1 change since Sep 19, 2026 · 4.25% → 4.45% ▲ 0.20 pts · high 4.45% / low 4.25%
3.75%4.35%4.95%Sep 19, 2026: 4.25% APYOct 11, 2026: 4.45% APYSep 19, 2026Oct 13, 2026
  • Oct 11, 20264.45%▲ from 4.25%
  • Sep 19, 20264.25%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
12 Month CD
$1,000
4.45% ▲ 1.46% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.99%▲ 1.46% above avg
Details

The Annual Percentage Yield (APY) is accurate as of 09/24/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.

Rate History
No change since Sep 18, 2026 · 4.45% APY · checked 6 times
3.95%4.45%4.95%Sep 18, 2026: 4.45% APYSep 18, 2026Oct 13, 2026
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
12-month online CD
$25,000
4.45% ▲ 1.46% above avg
View
▼
Rate4.35%
Min Deposit$25,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.99%▲ 1.46% above avg
Details

Online-only high-yield rates.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
3.50%4.23%4.95%Sep 18, 2026: 4.00% APYOct 2, 2026: 4.45% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.45%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
4th Street And Lafayette Avenue, Palmerton, PA 18071
1 Year (12 Month) Adjustable CD
$5,000
4.44% ▲ 1.45% above avg
View
▼
Rate4.37%
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.99%▲ 1.45% above avg
Details

Open account in person. See details.

Rate History
1 change since Sep 19, 2026 · 4.09% → 4.44% ▲ 0.35 pts · high 4.44% / low 4.09%
3.59%4.27%4.94%Sep 19, 2026: 4.09% APYOct 7, 2026: 4.44% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.44%▲ from 4.09%
  • Sep 19, 20264.09%first recorded
Monterey County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
601 Munras Ave, Monterey, CA 93940
12-Month CD Special
$100,000
4.44% ▲ 1.45% above avg
View
▼
Rate4.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.99%▲ 1.45% above avg
Details

Available to new funds only.

Rate History
No change since Oct 11, 2026 · 4.44% APY
3.94%4.44%4.94%Oct 11, 2026: 4.44% APYOct 11, 2026Oct 13, 2026
The Community State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
405 Us Highway 271, Wister, OK 74966
12 Month CD
$0
4.42% ▲ 1.43% above avg
View
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.99%▲ 1.43% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.16% → 4.42% ▲ 0.26 pts · high 4.42% / low 4.16%
3.66%4.29%4.92%Sep 14, 2026: 4.16% APYSep 24, 2026: 4.42% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.42%▲ from 4.16%
  • Sep 14, 20264.16%first recorded
Smartypig, by Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
12 Month Certificates of deposit (CDs)
$2,500
4.40% ▲ 1.41% above avg
View
▼
Rate4.31%
Min Deposit$2,500
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.99%▲ 1.41% above avg
Details

Balance required to obtain APY: $2,500

Rate History
No change since Oct 10, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 10, 2026: 4.40% APYOct 10, 2026Oct 13, 2026

18 Month CD Rates

MonitorBankRates National Average · 18 Month CD2.87% APY▲ 0.01% from last week
View 18-month CD rate trend

The national average 18-month CD rate is 2.87% APY as of October 13, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
37570 S Gratiot Ave, Clinton Township, MI 48036
18-Month Special - Military
$500
5.25% ▲ 2.38% above avg
View
▼
Rate5.13%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.87%▲ 2.38% above avg
Details

Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.

Rate History
No change since Oct 9, 2026 · 5.25% APY · checked 3 times
4.75%5.25%5.75%Oct 9, 2026: 5.25% APYOct 9, 2026Oct 13, 2026
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
2725 35th Ave N, Birmingham, AL 35207 2839
18 Month Share Certificate
$500
5.00% ▲ 2.13% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.87%▲ 2.13% above avg
Details

No additional details available.

Rate History
No change since Oct 9, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 9, 2026: 5.00% APYOct 9, 2026Oct 13, 2026
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
18 Month Certificate
$2,000
4.90% ▲ 2.03% above avg
View
▼
Rate4.78%
Min Deposit$2,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.87%▲ 2.03% above avg
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 4.90% APY · checked 2 times
4.40%4.90%5.40%Oct 7, 2026: 4.90% APYOct 7, 2026Oct 13, 2026
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
900 E 8th St, Washington, MO 63090
18 Month YOUTH Fair CD Special
$0
4.90% ▲ 2.03% above avg
View
▼
Rate4.79%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.87%▲ 2.03% above avg
Details

See Fair Special options; Preferred Rate with any checking account; Rate: 4.89%, APY: 5.00%

Rate History
No change since Sep 11, 2026 · 4.90% APY · checked 7 times
4.40%4.90%5.40%Sep 11, 2026: 4.90% APYSep 11, 2026Oct 13, 2026
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
18 mo Variable Rate IRA
$500
4.84% ▲ 1.97% above avg
View
▼
Rate4.75%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.87%▲ 1.97% above avg
Details

18 mo Certificate of Deposit; Interest credited Quarterly; Variable

Rate History
No change since Oct 12, 2026 · 4.84% APY
4.34%4.84%5.34%Oct 12, 2026: 4.84% APYOct 12, 2026Oct 13, 2026
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
18 Month FDIC-Insured Certificate of Deposit
$0
4.75% ▲ 1.88% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.87%▲ 1.88% above avg
Details

No additional details available.

Rate History
3 changes since Sep 24, 2026 · 4.50% → 4.75% ▲ 0.25 pts · high 4.75% / low 4.50%
4.00%4.63%5.25%Sep 24, 2026: 4.50% APYSep 27, 2026: 4.55% APYOct 3, 2026: 4.70% APYOct 11, 2026: 4.75% APYSep 24, 2026Oct 13, 2026
  • Oct 11, 20264.75%▲ from 4.70%
  • Oct 3, 20264.70%▲ from 4.55%
  • Sep 27, 20264.55%▲ from 4.50%
  • Sep 24, 20264.50%first recorded
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
100 E Main St, Black River Falls, WI 54615
IRA Certificates - 18 month
$1,000
4.75% ▲ 1.88% above avg
View
▼
Rate4.67%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.87%▲ 1.88% above avg
Details

Substantial penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 13, 2026: 4.75% APYOct 13, 2026Oct 13, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
18 Month Business Share Certificates PROMO
$50,000
4.75% ▲ 1.88% above avg
View
▼
Rate4.65%
Min Deposit$50,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.87%▲ 1.88% above avg
Details

Promo; 25% of opening deposit must be new money; penalty for early withdrawal; at maturity converts to regular certificate

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 13, 2026
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2485 Village View Dr, Henderson, NV 89074
18 Month CERTIFICATES OF DEPOSIT
$0
4.73% ▲ 1.86% above avg
View
▼
Rate4.65%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.87%▲ 1.86% above avg
Details

No additional details available.

Rate History
1 change since Sep 24, 2026 · 4.47% → 4.73% ▲ 0.26 pts · high 4.73% / low 4.47%
3.97%4.60%5.23%Sep 24, 2026: 4.47% APYOct 7, 2026: 4.73% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20264.73%▲ from 4.47%
  • Sep 24, 20264.47%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
18 Month Certificate
$0
4.65% ▲ 1.78% above avg
View
▼
Rate4.54%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.87%▲ 1.78% above avg
Details

No additional details available.

Rate History
No change since Oct 6, 2026 · 4.65% APY · checked 2 times
4.15%4.65%5.15%Oct 6, 2026: 4.65% APYOct 6, 2026Oct 13, 2026
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
6 - 18 Month Super Flex Term CD Special
$0
4.65% ▲ 1.78% above avg
View
▼
Rate4.55%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.87%▲ 1.78% above avg
Details

Specials

Rate History
No change since Oct 9, 2026 · 4.65% APY · checked 2 times
4.15%4.65%5.15%Oct 9, 2026: 4.65% APYOct 9, 2026Oct 13, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
18 Month Jumbo Certificates - Star Member
$0
4.65% ▲ 1.78% above avg
View
▼
Rate4.57%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.87%▲ 1.78% above avg
Details

Star Member rate

Rate History
No change since Oct 12, 2026 · 4.65% APY
4.15%4.65%5.15%Oct 12, 2026: 4.65% APYOct 12, 2026Oct 13, 2026
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
30 Lisbon St, Lewiston, ME 04240
18 Month Variable Rate IRA CD
$500
4.64% ▲ 1.77% above avg
View
▼
Rate4.54%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.87%▲ 1.77% above avg
Details

Variable Rate

Rate History
1 change since Sep 19, 2026 · 4.23% → 4.64% ▲ 0.41 pts · high 4.64% / low 4.23%
3.73%4.44%5.14%Sep 19, 2026: 4.23% APYOct 11, 2026: 4.64% APYSep 19, 2026Oct 13, 2026
  • Oct 11, 20264.64%▲ from 4.23%
  • Sep 19, 20264.23%first recorded
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
18207 Burnham Ave, Lansing, IL 60438
18 Month Variable Rate Certificate
$1,000
4.62% ▲ 1.75% above avg
View
▼
Rate4.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.87%▲ 1.75% above avg
Details

Rate changes quarterly-Quarterly compounding-$100.00 minimum additions permitted-IRA fund also permitted

Rate History
1 change since Sep 24, 2026 · 4.04% → 4.62% ▲ 0.58 pts · high 4.62% / low 4.04%
3.46%4.33%5.20%Sep 24, 2026: 4.04% APYOct 3, 2026: 4.62% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20264.62%▲ from 4.04%
  • Sep 24, 20264.04%first recorded
Somerset Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
220 W Union Ave, Bound Brook, NJ 08805
18 Month Variable IRA Certificate
$0
4.60% ▲ 1.73% above avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.87%▲ 1.73% above avg
Details

No additional details available.

Rate History
No change since Oct 8, 2026 · 4.60% APY · checked 2 times
4.10%4.60%5.10%Oct 8, 2026: 4.60% APYOct 8, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
18 Month IRA CD
$0
4.60% ▲ 1.73% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.87%▲ 1.73% above avg
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 4.60% APY · checked 6 times
4.10%4.60%5.10%Sep 14, 2026: 4.60% APYSep 14, 2026Oct 13, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
18 Month Certificate
$500
4.60% ▲ 1.73% above avg
View
▼
Rate4.50%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.87%▲ 1.73% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
3.70%4.40%5.10%Sep 14, 2026: 4.20% APYOct 10, 2026: 4.60% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.60%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
315 Croghan St, Fremont, OH 43420 3013
Share Certificates - 18 Month
$0
4.55% ▲ 1.68% above avg
View
▼
Rate4.46%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.87%▲ 1.68% above avg
Details

Type: Regular/IRA; Dividends compound & paid: Daily

Rate History
1 change since Sep 14, 2026 · 4.11% → 4.55% ▲ 0.44 pts · high 4.55% / low 4.11%
3.61%4.33%5.05%Sep 14, 2026: 4.11% APYOct 12, 2026: 4.55% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.55%▲ from 4.11%
  • Sep 14, 20264.11%first recorded
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
2518 Main St, Conway, SC 29526 3365
18 Month Variable Rate IRA Certificate
$0
4.54% ▲ 1.67% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.87%▲ 1.67% above avg
Details

IRA certificate; variable rate; subject to change on the last Thursday of the month without prior notice; subject to penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.54% ▲ 0.47 pts · high 4.54% / low 4.07%
3.57%4.31%5.04%Sep 14, 2026: 4.07% APYOct 5, 2026: 4.54% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.54%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
18 Month IRA Share Certificates
$500
4.54% ▲ 1.67% above avg
View
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.87%▲ 1.67% above avg
Details

New Money only (funds not currently on deposit with RGCU)

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.54% ▲ 0.52 pts · high 4.54% / low 4.02%
3.50%4.28%5.06%Sep 14, 2026: 4.02% APYSep 29, 2026: 4.54% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.54%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
6900 Clayton Ave, St Louis, MO 63139
18 Month Certificate of Deposit
$1,000
4.52% ▲ 1.65% above avg
View
▼
Rate4.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.87%▲ 1.65% above avg
Details

Compound Method: Calculated Daily, Compounded Semi-annually

Rate History
No change since Oct 7, 2026 · 4.52% APY · checked 3 times
4.02%4.52%5.02%Oct 7, 2026: 4.52% APYOct 7, 2026Oct 13, 2026
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
18 Month Certificate
$50,000
4.51% ▲ 1.64% above avg
View
▼
Rate4.51%
Min Deposit$50,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.87%▲ 1.64% above avg
Details

Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted

Rate History
2 changes since Sep 14, 2026 · 4.21% → 4.51% ▲ 0.30 pts · high 4.51% / low 4.21%
3.71%4.36%5.01%Sep 14, 2026: 4.21% APYSep 24, 2026: 4.30% APYOct 7, 2026: 4.51% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.51%▲ from 4.30%
  • Sep 24, 20264.30%▲ from 4.21%
  • Sep 14, 20264.21%first recorded
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
11 W Ridgely Rd, Lutherville, MD 21093
18 Month CD Online and In Branch
$500
4.50% ▲ 1.63% above avg
View
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.87%▲ 1.63% above avg
Details

No additional deposits after initial deposit.

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 18, 2026: 4.30% APYOct 7, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20264.50%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
First Federal S&L of Van Wert
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
679 Fox Rd, Van Wert, OH 45891
18 Month Certificate of Deposit (CD) Special
$0
4.50% ▲ 1.63% above avg
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.87%▲ 1.63% above avg
Details

Monthly Compound. Annual Percentage Yield (APY) is accurate as of September 29, 2026. Interest rates are subject to change daily. Fees may reduce earnings on account. Consult your tax advisor. A penalty may be imposed for an early withdrawal. Fees may reduce earnings on account. Offer is subject to change without notice and may be withdrawn at any time. CD = Certificate of Deposit.

Rate History
No change since Oct 3, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 3, 2026: 4.50% APYOct 3, 2026Oct 13, 2026
Credit One Bank, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
6801 S Cimarron Rd, Las Vegas, NV 89113
18 Month High Yield Jumbo CD
$0
4.50% ▲ 1.63% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.87%▲ 1.63% above avg
Details

Loyalty Rates: 0.05%

Rate History
1 change since Sep 18, 2026 · 4.45% → 4.50% ▲ 0.05 pts · high 4.50% / low 4.45%
3.95%4.48%5.00%Sep 18, 2026: 4.45% APYOct 7, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20264.50%▲ from 4.45%
  • Sep 18, 20264.45%first recorded
Armstrong County Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
935 5th Ave, Ford City, PA 16226
18 Month IRA Certificates SEP
$0
4.50% ▲ 1.63% above avg
View
▼
Rate4.34%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.87%▲ 1.63% above avg
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 13, 2026
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
227 N Lafayette St, Corder, MO 64021
18 MONTHS IRA
$500
4.50% ▲ 1.63% above avg
View
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.87%▲ 1.63% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
18 Month Jumbo Certificate
$0
4.50% ▲ 1.63% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.87%▲ 1.63% above avg
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
18 Month Certificate
$500
4.50% ▲ 1.63% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.87%▲ 1.63% above avg
Details

Dividends compounded and credited monthly; Rates effective as of October 13, 2026

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
3.60%4.30%5.00%Sep 14, 2026: 4.10% APYSep 29, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.50%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ 85282
18-Month Special Certificate
$500
4.50% ▲ 1.63% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.87%▲ 1.63% above avg
Details

No additional details available.

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 13, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
18 Month CD
$0
4.50% ▲ 1.63% above avg
View
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.87%▲ 1.63% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%
3.20%4.18%5.15%Sep 14, 2026: 3.85% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.50%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
300 S Plumosa St, Merritt Island, FL 32952
18 Month Business Share Certificate
$0
4.50% ▲ 1.63% above avg
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.87%▲ 1.63% above avg
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
3012 S 1900 W, Ogden, UT 84401
18 Month Certificate
$500
4.50% ▲ 1.63% above avg
View
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.87%▲ 1.63% above avg
Details

Dividend paid monthly

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 14, 2026: 4.00% APYOct 13, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.50%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
18-month IRA TSC
$1,000
4.50% ▲ 1.63% above avg
View
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.87%▲ 1.63% above avg
Details

Traditional IRA; penalties may be imposed for early withdrawal

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 4.50% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20264.50%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
184 John Clarke Rd, Middletown, RI 02842
18 Month CD
$1,000
4.50% ▲ 1.63% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.87%▲ 1.63% above avg
Details

All funds must be new money. New Money is defined as funds on deposit with BankNewport for less than 30 days. A penalty will be imposed for early withdrawal during the term. A BankNewport personal checking account is required for CD specials. Offer may be withdrawn at any time.

Rate History
1 change since Sep 20, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
2.50%4.00%5.50%Sep 20, 2026: 3.50% APYOct 3, 2026: 4.50% APYSep 20, 2026Oct 13, 2026
  • Oct 3, 20264.50%▲ from 3.50%
  • Sep 20, 20263.50%first recorded
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
639 S Delaware St, Indianapolis, IN 46225
IRA 18 Month Term
$1,000
4.50% ▲ 1.63% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.87%▲ 1.63% above avg
Details

Traditional and Roth IRA; APY effective as of October 1, 2026; Primary members under 18 must have a $500 minimum deposit to open

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 13, 2026
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
11001 Hermitage Rd, LIttle Rock, AR 72211
18 Month Jumbo Share and IRA Certificate - Fixed
$100,000
4.50% ▲ 1.63% above avg
View
▼
Rate4.43%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.87%▲ 1.63% above avg
Details

Jumbo Share and IRA Certificate; Promotional rate for a limited time on new money only; Minimum to Earn Dividends: $100,000

Rate History
No change since Sep 29, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 29, 2026: 4.50% APYSep 29, 2026Oct 13, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1440 Rosecrans Ave, Manhattan Beach, CA 90266
18-Month Promo Certificate
$100,000
4.50% ▲ 1.63% above avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.87%▲ 1.63% above avg
Details

Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000.

Rate History
2 changes since Sep 25, 2026 · 4.50% → 4.50% ▼ 0.00 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 25, 2026: 4.50% APYOct 4, 2026: 4.35% APYOct 8, 2026: 4.50% APYSep 25, 2026Oct 13, 2026
  • Oct 8, 20264.50%▲ from 4.35%
  • Oct 4, 20264.35%▼ from 4.50%
  • Sep 25, 20264.50%first recorded
North Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.82%
109 Central Ave N, Maddock, ND 58348
Youth 18 Month
$100
4.50% ▲ 1.63% above avg
View
▼
Rate4.45%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.87%▲ 1.63% above avg
Details

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

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
3227 Schneider Ave SE, Menomonie, WI 54751
18 Month Variable Rate IRA - Basic MVP Level
$0
4.49% ▲ 1.62% above avg
View
▼
Rate4.39%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.87%▲ 1.62% above avg
Details

Compounded: Daily; MVP Level: Basic

Rate History
No change since Oct 13, 2026 · 4.49% APY
3.99%4.49%4.99%Oct 13, 2026: 4.49% APYOct 13, 2026Oct 13, 2026
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
18-Month Traditional/Roth IRA CD
$500
4.49% ▲ 1.62% above avg
View
▼
Rate4.40%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.87%▲ 1.62% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.49% ▲ 0.47 pts · high 4.49% / low 4.02%
3.52%4.26%4.99%Sep 14, 2026: 4.02% APYSep 29, 2026: 4.49% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.49%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
316 NC Hwy 149 N, Plymouth, NC 27962
18 Month Share Certificate
$500
4.49% ▲ 1.62% above avg
View
▼
Rate4.40%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.87%▲ 1.62% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.49% ▲ 0.93 pts · high 4.49% / low 3.56%
2.63%4.03%5.42%Sep 14, 2026: 3.56% APYOct 13, 2026: 4.49% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.49%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
7921 Metropolitan Ave, Middle Village, NY 11379
18 Month Variable Rate IRA
$100
4.46% ▲ 1.59% above avg
View
▼
Rate4.36%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.87%▲ 1.59% above avg
Details

No additional details available.

Rate History
1 change since Sep 19, 2026 · 4.15% → 4.46% ▲ 0.31 pts · high 4.46% / low 4.15%
3.65%4.31%4.96%Sep 19, 2026: 4.15% APYOct 7, 2026: 4.46% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.46%▲ from 4.15%
  • Sep 19, 20264.15%first recorded
Iowa Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
116 Main St, Williams, IA 50271
18-month Special CD
$0
4.45% ▲ 1.58% above avg
View
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.87%▲ 1.58% above avg
Details

Special

Rate History
No change since Oct 7, 2026 · 4.45% APY · checked 3 times
3.95%4.45%4.95%Oct 7, 2026: 4.45% APYOct 7, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
18 Month Jumbo CD
$50,000
4.45% ▲ 1.58% above avg
View
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.87%▲ 1.58% above avg
Details

Senior

Rate History
2 changes since Sep 21, 2026 · 3.90% → 4.45% ▲ 0.55 pts · high 4.45% / low 3.90%
3.35%4.18%5.00%Sep 21, 2026: 3.90% APYOct 5, 2026: 4.25% APYOct 13, 2026: 4.45% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.45%▲ from 4.25%
  • Oct 5, 20264.25%▲ from 3.90%
  • Sep 21, 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 Certificate - 18 Months
$0
4.45% ▲ 1.58% above avg
View
▼
Rate4.36%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.87%▲ 1.58% above avg
Details

Penalty: 120 Days1

Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 8, 2026: 4.45% APYOct 8, 2026Oct 13, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1512 Gause Blvd, Slidell, LA 70458
18-Month Regular Certificate or IRA Certificate
$10,000
4.45% ▲ 1.58% above avg
View
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.87%▲ 1.58% above avg
Details

No additional details available.

Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 8, 2026: 4.45% APYOct 8, 2026Oct 13, 2026
Lake Shore Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
128 E 4th St, Dunkirk, NY 14048
18 Month Certificate
$0
4.44% ▲ 1.57% above avg
View
▼
Rate4.34%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.87%▲ 1.57% above avg
Details

No additional details available.

Rate History
No change since Oct 3, 2026 · 4.44% APY · checked 3 times
3.94%4.44%4.94%Oct 3, 2026: 4.44% APYOct 3, 2026Oct 13, 2026
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
15201 Diamondback Dr, Rockville, MD 20850 3312
18 Month Certificate of Deposit (CD)
$0
4.41% ▲ 1.54% above avg
View
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.87%▲ 1.54% above avg
Details

No additional details available.

Rate History
2 changes since Sep 21, 2026 · 4.41% → 4.41% ▼ 0.00 pts · high 4.41% / low 4.35%
3.85%4.38%4.91%Sep 21, 2026: 4.41% APYOct 5, 2026: 4.35% APYOct 13, 2026: 4.41% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.41%▲ from 4.35%
  • Oct 5, 20264.35%▼ from 4.41%
  • Sep 21, 20264.41%first recorded
Smartypig, by Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
18 Month Certificates of deposit (CDs)
$2,500
4.40% ▲ 1.53% above avg
View
▼
Rate4.31%
Min Deposit$2,500
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.87%▲ 1.53% above avg
Details

Balance required to obtain APY: $2,500

Rate History
No change since Oct 10, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 10, 2026: 4.40% APYOct 10, 2026Oct 13, 2026
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
64 Old Highway 22, Clinton, NJ 08809
18 Month CD
$1,000
4.40% ▲ 1.53% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.87%▲ 1.53% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
3.50%4.20%4.90%Sep 18, 2026: 4.00% APYOct 2, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.40%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
18 Month Certificate of Deposit
$100,000
4.40% ▲ 1.53% above avg
View
▼
Rate4.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.87%▲ 1.53% above avg
Details

Deposit Amount: $100,000 and above

Rate History
1 change since Sep 18, 2026 · 4.24% → 4.40% ▲ 0.16 pts · high 4.40% / low 4.24%
3.74%4.32%4.90%Sep 18, 2026: 4.24% APYOct 7, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20264.40%▲ from 4.24%
  • Sep 18, 20264.24%first recorded
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
1001 Post Rd, Darien, CT 06820
Prime Certificates of Deposit (CD) - 18 month
$500
4.40% ▲ 1.53% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.87%▲ 1.53% above avg
Details

No additional details available.

Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 8, 2026: 4.40% APYOct 8, 2026Oct 13, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
10000 College Blvd, Overland Park, KS 66210
18-Month Certificate of Deposit
$500
4.40% ▲ 1.53% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.87%▲ 1.53% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 3.10% → 4.40% ▲ 1.30 pts · high 4.40% / low 3.10%
1.80%3.75%5.70%Sep 18, 2026: 3.10% APYOct 2, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.40%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
18 Month Certificates of deposit (CDs)
$2,500
4.40% ▲ 1.53% above avg
View
▼
Rate4.31%
Min Deposit$2,500
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.87%▲ 1.53% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 18, 2026: 4.30% APYSep 27, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
St Marys Bank Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
200 McGregor St, Manchester, NH 03102
18-Month Promo CD
$500
4.35% ▲ 1.48% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.87%▲ 1.48% above avg
Details

Minimum deposit of $500 required to open the account and earn the stated APY; APY accurate as of 10/9/2026

Rate History
No change since Oct 9, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 9, 2026: 4.35% APYOct 9, 2026Oct 13, 2026
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9260 S 300 E, Sandy, UT 84070
Growth Certificate Account - October Special 18 Month
$100
4.35% ▲ 1.48% above avg
View
▼
Rate4.27%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.87%▲ 1.48% above avg
Details

Dividend Rate: 4.266%; Limited-time special; Maximum of $250,000 in total deposits per primary account holder; Dividends paid monthly

Rate History
No change since Oct 13, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 13, 2026: 4.35% APYOct 13, 2026Oct 13, 2026
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
6414 Montgomery St, Rhinebeck, NY 12572
18-Month CD - Promo
$2,000
4.30% ▲ 1.43% above avg
View
▼
Rate4.22%
Min Deposit$2,000
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.87%▲ 1.43% above avg
Details

No additional details available.

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 13, 2026
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
123 W 4th St, Cedar Falls, IA 50613 2831
18 Month JUMBO Certificate
$100,000
4.30% ▲ 1.43% above avg
View
▼
Rate4.23%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.87%▲ 1.43% above avg
Details

Limited Time Special; $100,000 minimum; Penalty for Early Withdrawal

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026

24 Month CD Rates

MonitorBankRates National Average · 24 Month CD2.88% APY▲ 0.02% from last week
View 24-month CD rate trend

The national average 24-month CD rate is 2.88% APY as of October 13, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
2 Year Certificate
$500
5.20% ▲ 2.32% above avg
View
▼
Rate5.07%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.88%▲ 2.32% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.70% → 5.20% ▲ 0.50 pts · high 5.20% / low 4.70%
4.20%4.95%5.70%Sep 14, 2026: 4.70% APYOct 10, 2026: 5.20% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.20%▲ from 4.70%
  • Sep 14, 20264.70%first recorded
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
614 Alta Vista St, Santa Fe, NM 87505
24-Month Share Certificate SPECIAL RATE
$500
5.12% ▲ 2.24% above avg
View
▼
Rate5.00%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.88%▲ 2.24% above avg
Details

No additional details available.

Rate History
No change since Oct 12, 2026 · 5.12% APY
4.62%5.12%5.62%Oct 12, 2026: 5.12% APYOct 12, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1313 Main St, Vancouver, WA 98660 2918
24 Month Second CD
$10,000
5.09% ▲ 2.21% above avg
View
▼
Rate5.00%
Min Deposit$10,000
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.88%▲ 2.21% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 5.00% → 5.10% ▲ 0.09 pts · high 5.10% / low 5.00%
4.50%5.05%5.60%Sep 14, 2026: 5.00% APYSep 26, 2026: 5.10% APYSep 14, 2026Oct 13, 2026
  • Sep 26, 20265.10%▲ from 5.00%
  • Sep 14, 20265.00%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
24 MONTH CD
$50,000
5.00% ▲ 2.12% above avg
View
▼
Rate5.00%
Min Deposit$50,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.88%▲ 2.12% above avg
Details

No additional details available.

Rate History
2 changes since Sep 8, 2026 · 4.30% → 5.00% ▲ 0.70 pts · high 5.00% / low 4.30%
3.60%4.65%5.70%Sep 8, 2026: 4.30% APYSep 18, 2026: 4.80% APYOct 2, 2026: 5.00% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20265.00%▲ from 4.80%
  • Sep 18, 20264.80%▲ from 4.30%
  • Sep 8, 20264.30%first recorded
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
2 Year FDIC-Insured Certificate of Deposit
$0
5.00% ▲ 2.12% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.88%▲ 2.12% above avg
Details

No additional details available.

Rate History
4 changes since Sep 24, 2026 · 4.60% → 5.00% ▲ 0.40 pts · high 5.00% / low 4.60%
4.10%4.80%5.50%Sep 24, 2026: 4.60% APYSep 27, 2026: 4.65% APYOct 3, 2026: 4.85% APYOct 7, 2026: 4.90% APYOct 11, 2026: 5.00% APYSep 24, 2026Oct 13, 2026
  • Oct 11, 20265.00%▲ from 4.90%
  • Oct 7, 20264.90%▲ from 4.85%
  • Oct 3, 20264.85%▲ from 4.65%
  • Sep 27, 20264.65%▲ from 4.60%
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
55 Stevens St, Lockport, NY 14094 4229
2 Year Youth Share Certificate
$0
5.00% ▲ 2.12% above avg
View
▼
Rate4.88%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.88%▲ 2.12% above avg
Details

Balance: $50 - $5,000; Effective as of June 15, 2026

Rate History
No change since Oct 5, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Oct 5, 2026: 5.00% APYOct 5, 2026Oct 13, 2026
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
24 Month Certificate
$2,000
4.98% ▲ 2.10% above avg
View
▼
Rate4.86%
Min Deposit$2,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.88%▲ 2.10% above avg
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 4.98% APY · checked 2 times
4.48%4.98%5.48%Oct 7, 2026: 4.98% APYOct 7, 2026Oct 13, 2026
Peoples First Savings Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.46%
225 Reading Rd, Mason, OH 45040
24 Month IRA (Variable)
$100
4.91% ▲ 2.03% above avg
View
▼
Rate4.79%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.88%▲ 2.03% above avg
Details

No additional details available.

Rate History
1 change since Sep 11, 2026 · 4.29% → 4.91% ▲ 0.62 pts · high 4.91% / low 4.29%
3.67%4.60%5.53%Sep 11, 2026: 4.29% APYOct 3, 2026: 4.91% APYSep 11, 2026Oct 13, 2026
  • Oct 3, 20264.91%▲ from 4.29%
  • Sep 11, 20264.29%first recorded
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2485 Village View Dr, Henderson, NV 89074
24 Month CERTIFICATES OF DEPOSIT
$0
4.89% ▲ 2.01% above avg
View
▼
Rate4.80%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.88%▲ 2.01% above avg
Details

No additional details available.

Rate History
1 change since Sep 24, 2026 · 4.63% → 4.89% ▲ 0.26 pts · high 4.89% / low 4.63%
4.13%4.76%5.39%Sep 24, 2026: 4.63% APYOct 7, 2026: 4.89% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20264.89%▲ from 4.63%
  • Sep 24, 20264.63%first recorded
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
104 S Cascade Ave, Colorado Springs, CO 80903
24 Month Variable IRA
$250
4.86% ▲ 1.98% above avg
View
▼
Rate4.75%
Min Deposit$250
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.88%▲ 1.98% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.39% → 4.86% ▲ 0.47 pts · high 4.86% / low 4.39%
3.89%4.63%5.36%Sep 14, 2026: 4.39% APYOct 11, 2026: 4.86% APYSep 14, 2026Oct 13, 2026
  • Oct 11, 20264.86%▲ from 4.39%
  • Sep 14, 20264.39%first recorded
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
24 Month Jumbo Certificate of Deposit
$0
4.86% ▲ 1.98% above avg
View
▼
Rate4.75%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.88%▲ 1.98% above avg
Details

No additional details available.

Rate History
No change since Oct 8, 2026 · 4.86% APY · checked 2 times
4.36%4.86%5.36%Oct 8, 2026: 4.86% APYOct 8, 2026Oct 13, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
24 Month Share Certificates (CDs) - Jumbo
$1,000
4.82% ▲ 1.94% above avg
View
▼
Rate4.71%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.88%▲ 1.94% above avg
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.82% APY
4.32%4.82%5.32%Oct 13, 2026: 4.82% APYOct 13, 2026Oct 13, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
24-Month IRA
$0
4.81% ▲ 1.93% above avg
View
▼
Rate4.70%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.88%▲ 1.93% above avg
Details

Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates

Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
3.84%4.57%5.31%Sep 16, 2026: 4.34% APYOct 8, 2026: 4.81% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.81%▲ from 4.34%
  • Sep 16, 20264.34%first recorded
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
348 W Michigan Ave, Kalamazoo, MI 49007
2 Year Rising Rate Certificate of Deposit - Year 2 term
$0
4.75% ▲ 1.87% above avg
View
▼
Rate4.65%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.88%▲ 1.87% above avg
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 4.75% APY · checked 3 times
4.25%4.75%5.25%Oct 7, 2026: 4.75% APYOct 7, 2026Oct 13, 2026
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA - 2 year
$0
4.75% ▲ 1.87% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.88%▲ 1.87% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 4.75% APY · checked 3 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APYSep 14, 2026Oct 13, 2026
American Baptist Association Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
21103 Chenango Lake Dr, Angleton, TX 77515
24 Month Share Certificate
$0
4.75% ▲ 1.87% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.88%▲ 1.87% above avg
Details

Balance: $100,000 +

Rate History
No change since Sep 14, 2026 · 4.75% APY · checked 3 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APYSep 14, 2026Oct 13, 2026
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
4th Street And Lafayette Avenue, Palmerton, PA 18071
2 Year (24 Month) Adjustable CD
$5,000
4.73% ▲ 1.85% above avg
View
▼
Rate4.65%
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.88%▲ 1.85% above avg
Details

Open account in person. See details.

Rate History
1 change since Sep 19, 2026 · 4.29% → 4.73% ▲ 0.44 pts · high 4.73% / low 4.29%
3.79%4.51%5.23%Sep 19, 2026: 4.29% APYOct 7, 2026: 4.73% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.73%▲ from 4.29%
  • Sep 19, 20264.29%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
24 Month Certificate
$0
4.70% ▲ 1.82% above avg
View
▼
Rate4.59%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.88%▲ 1.82% above avg
Details

No additional details available.

Rate History
No change since Oct 6, 2026 · 4.70% APY · checked 2 times
4.20%4.70%5.20%Oct 6, 2026: 4.70% APYOct 6, 2026Oct 13, 2026
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
24 Month CD
$0
4.65% ▲ 1.77% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.88%▲ 1.77% above avg
Details

As High As; $1,000 minimum balance required to obtain stated APY in each term tier; Annual Percentage Yield accurate as of 10/1/2026 and subject to change without notice; Penalty for early withdrawal; interest compounds daily and is credited monthly and at maturity

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.65% ▲ 0.68 pts · high 4.65% / low 3.97%
3.29%4.31%5.33%Sep 14, 2026: 3.97% APYOct 9, 2026: 4.65% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.65%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
2701 N Thanksgiving Way, Lehi, UT 84043
2 Year Consumer Certificate of Deposit
$500
4.60% ▲ 1.72% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.88%▲ 1.72% above avg
Details

Maximum opening deposit $500,000.00

Rate History
1 change since Sep 14, 2026 · 4.40% → 4.60% ▲ 0.20 pts · high 4.60% / low 4.40%
3.90%4.50%5.10%Sep 14, 2026: 4.40% APYOct 8, 2026: 4.60% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.60%▲ from 4.40%
  • Sep 14, 20264.40%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023
2 Year Business Certificate
$500
4.60% ▲ 1.72% above avg
View
▼
Rate4.50%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.88%▲ 1.72% above avg
Details

Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 4.05% → 4.60% ▲ 0.55 pts · high 4.60% / low 4.05%
3.50%4.32%5.15%Sep 27, 2026: 4.05% APYOct 6, 2026: 4.60% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.60%▲ from 4.05%
  • Sep 27, 20264.05%first recorded
NORTHERN SKIES
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
1001 E Benson Blvd, Anchorage, AK 99508
24 Month Share Certificates
$0
4.60% ▲ 1.72% above avg
View
▼
Rate4.52%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.88%▲ 1.72% above avg
Details

Balance: Under $100,000

Rate History
No change since Sep 18, 2026 · 4.60% APY · checked 6 times
4.10%4.60%5.10%Sep 18, 2026: 4.60% APYSep 18, 2026Oct 13, 2026
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
315 Croghan St, Fremont, OH 43420 3013
Share Certificates - 24 Month
$0
4.60% ▲ 1.72% above avg
View
▼
Rate4.51%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.88%▲ 1.72% above avg
Details

Type: Regular/IRA; Dividends compound & paid: Daily

Rate History
1 change since Sep 14, 2026 · 4.16% → 4.60% ▲ 0.44 pts · high 4.60% / low 4.16%
3.66%4.38%5.10%Sep 14, 2026: 4.16% APYOct 12, 2026: 4.60% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.60%▲ from 4.16%
  • Sep 14, 20264.16%first recorded
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
7102 Forest Ave, Ridgewood, NY 11385
2-YEAR TREASURY INDEXED CD
$0
4.59% ▲ 1.71% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.88%▲ 1.71% above avg
Details

TOP THE TREASURY; variable yield account with no cap today!

Rate History
No change since Sep 18, 2026 · 4.59% APY · checked 5 times
4.09%4.59%5.09%Sep 18, 2026: 4.59% APYSep 18, 2026Oct 13, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
24 Month 75th Anniversary Certificates of Deposit
$7,500
4.58% ▲ 1.70% above avg
View
▼
Rate—
Min Deposit$7,500
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.88%▲ 1.70% above avg
Details

Get complete details here

Rate History
No change since Oct 10, 2026 · 4.58% APY
4.08%4.58%5.08%Oct 10, 2026: 4.58% APYOct 10, 2026Oct 13, 2026
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
24 Month Certificate
$50,000
4.55% ▲ 1.67% above avg
View
▼
Rate4.55%
Min Deposit$50,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.88%▲ 1.67% above avg
Details

Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted

Rate History
2 changes since Sep 14, 2026 · 4.23% → 4.55% ▲ 0.32 pts · high 4.55% / low 4.23%
3.73%4.39%5.05%Sep 14, 2026: 4.23% APYSep 24, 2026: 4.32% APYOct 7, 2026: 4.55% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.55%▲ from 4.32%
  • Sep 24, 20264.32%▲ from 4.23%
  • Sep 14, 20264.23%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
2 Year Certificate of Deposit
$1,000
4.55% ▲ 1.67% above avg
View
▼
Rate4.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.88%▲ 1.67% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
2.95%4.15%5.35%Sep 14, 2026: 3.75% APYSep 28, 2026: 4.55% APYSep 14, 2026Oct 13, 2026
  • Sep 28, 20264.55%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
3181 Larchmont Ave NE, Warren, OH 44483 2435
24 Month Jumbo Certificate
$0
4.55% ▲ 1.67% above avg
View
▼
Rate4.46%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.88%▲ 1.67% above avg
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 · 3.80% → 4.55% ▲ 0.75 pts · high 4.55% / low 3.80%
3.05%4.18%5.30%Sep 14, 2026: 3.80% APYOct 9, 2026: 4.55% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.55%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
310 Caldwell St, Chillicothe, OH 45601
24 Month Print Share and IRA Jumbo Certificates
$0
4.54% ▲ 1.66% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.88%▲ 1.66% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.04% → 4.54% ▲ 0.50 pts · high 4.54% / low 4.04%
3.54%4.29%5.04%Sep 14, 2026: 4.04% APYSep 22, 2026: 4.54% APYSep 14, 2026Oct 13, 2026
  • Sep 22, 20264.54%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
425 Neptune Ave, Brooklyn, NY 11224 4559
2 Year Certificate
$500
4.53% ▲ 1.65% above avg
View
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.88%▲ 1.65% above avg
Details

Certificate Type: 2 Year (24 months); Required On Deposit: $500.00

Rate History
No change since Oct 5, 2026 · 4.53% APY · checked 2 times
4.03%4.53%5.03%Oct 5, 2026: 4.53% APYOct 5, 2026Oct 13, 2026
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
15201 Diamondback Dr, Rockville, MD 20850 3312
24 Month Certificate of Deposit (CD)
$0
4.52% ▲ 1.64% above avg
View
▼
Rate4.45%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.88%▲ 1.64% above avg
Details

No additional details available.

Rate History
2 changes since Sep 21, 2026 · 4.52% → 4.52% ▼ 0.00 pts · high 4.52% / low 4.45%
3.95%4.48%5.02%Sep 21, 2026: 4.52% APYOct 5, 2026: 4.45% APYOct 13, 2026: 4.52% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.52%▲ from 4.45%
  • Oct 5, 20264.45%▼ from 4.52%
  • Sep 21, 20264.52%first recorded
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
24 Month CD
$0
4.50% ▲ 1.62% above avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details

Balance: $1,000+

Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 24, 2026: 4.50% APYSep 24, 2026Oct 13, 2026
The Bank of New Glarus
Institution Rating:
A-5.0 ★Texas Ratio: 15.01%
5800 Phillips Street, Gratiot, WI 53541
24 Month CD/IRA
$2,000
4.50% ▲ 1.62% above avg
View
▼
Rate4.43%
Min Deposit$2,000
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details

No additional details available.

Rate History
No change since Sep 19, 2026 · 4.50% APY · checked 7 times
4.00%4.50%5.00%Sep 19, 2026: 4.50% APYSep 19, 2026Oct 13, 2026
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
24-month online CD
$25,000
4.50% ▲ 1.62% above avg
View
▼
Rate4.40%
Min Deposit$25,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details

Online-only high-yield rates.

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
3.00%4.13%5.25%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.50%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Cent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
3124 4th St SW, Mason City, IA 50401 1522
24 Month Time Share Certificate
$0
4.50% ▲ 1.62% above avg
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details

Time Share Certificates

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
3.60%4.30%5.00%Sep 14, 2026: 4.10% APYOct 9, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.50%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
24 Month Certificate
$500
4.50% ▲ 1.62% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details

Dividends compounded and credited monthly; Rates effective as of October 13, 2026

Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 18, 2026: 4.20% APYSep 22, 2026: 4.40% APYSep 29, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Sep 29, 20264.50%▲ from 4.40%
  • Sep 22, 20264.40%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
725 N Main St, Moab, UT 84532 2132
2 year CD
$500
4.50% ▲ 1.62% above avg
View
▼
Rate4.43%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 14, 2026: 4.20% APYSep 29, 2026: 4.25% APYOct 9, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.50%▲ from 4.25%
  • Sep 29, 20264.25%▲ from 4.20%
  • Sep 14, 20264.20%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 - 24-Month
$2,000
4.50% ▲ 1.62% above avg
View
▼
Rate—
Min Deposit$2,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details

No additional details available.

Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 8, 2026: 4.50% APYOct 8, 2026Oct 13, 2026
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
2625 CORPORATE Pl, MONTEREY PARK, CA 91754
24 Month Certificate
$1,000
4.50% ▲ 1.62% above avg
View
▼
Rate4.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details

Watch your money grow at a premium rate when you agree to receive paperless eStatements. Balances of $50,000 or more earn higher rates. No monthly fee. Auto renewal available. Federally insured balances up to $250,000.00.

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 13, 2026
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA 31405 5922
Jumbo - Minimum Deposit of 24 Month Share or IRA Certificate
$100,000
4.50% ▲ 1.62% above avg
View
▼
Rate4.41%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYSep 22, 2026: 4.40% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.50%▲ from 4.40%
  • Sep 22, 20264.40%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
212 5th Ave, Edgeley, ND 58433
24 Month IRA CD
$0
4.50% ▲ 1.62% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details

Balance: $500+; IRA

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
519 Main St, Kewaunee, WI 54216
Relationship CD - 24 Month
$0
4.50% ▲ 1.62% above avg
View
▼
Rate4.43%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.50%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
184 John Clarke Rd, Middletown, RI 02842
24 Month CD
$1,000
4.50% ▲ 1.62% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details

All funds must be new money. New Money is defined as funds on deposit with BankNewport for less than 30 days. A penalty will be imposed for early withdrawal during the term. A BankNewport personal checking account is required for CD specials. Offer may be withdrawn at any time.

Rate History
1 change since Sep 20, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
2.50%4.00%5.50%Sep 20, 2026: 3.50% APYOct 3, 2026: 4.50% APYSep 20, 2026Oct 13, 2026
  • Oct 3, 20264.50%▲ from 3.50%
  • Sep 20, 20263.50%first recorded
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
302 Main St, Savanna, IL 61074
20-month special, with rollover into 24-month at time of maturity
$0
4.50% ▲ 1.62% above avg
View
▼
Rate4.49%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details

All accounts are subject to credit qualifications. Early withdrawal penalties may apply, fees may reduce earnings on an account.

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
2.50%4.00%5.50%Sep 14, 2026: 3.50% APYOct 3, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20264.50%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
2 Year Certificates of Deposit (CDs)
$100
4.49% ▲ 1.61% above avg
View
▼
Rate4.44%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.88%▲ 1.61% above avg
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 4.18% → 4.49% ▲ 0.31 pts · high 4.49% / low 4.18%
3.68%4.34%4.99%Sep 14, 2026: 4.18% APYSep 24, 2026: 4.49% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.49%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
1831 2nd St, Coralville, IA 52241
IntraFi Network CD 2 Year
$100,000
4.47% ▲ 1.59% above avg
View
▼
Rate4.36%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.88%▲ 1.59% above avg
Details

Treasury Rates**: 4.77%

Rate History
No change since Oct 12, 2026 · 4.47% APY
3.97%4.47%4.97%Oct 12, 2026: 4.47% APYOct 12, 2026Oct 13, 2026
Piscataqua Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15 Pleasant St, Portsmouth, NH 03801
2 Year Certificate
$500
4.45% ▲ 1.57% above avg
View
▼
Rate4.35%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.88%▲ 1.57% above avg
Details

No additional details available.

Rate History
1 change since Sep 19, 2026 · 4.34% → 4.45% ▲ 0.11 pts · high 4.45% / low 4.34%
3.84%4.40%4.95%Sep 19, 2026: 4.34% APYOct 3, 2026: 4.45% APYSep 19, 2026Oct 13, 2026
  • Oct 3, 20264.45%▲ from 4.34%
  • Sep 19, 20264.34%first recorded
Credit One Bank, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
6801 S Cimarron Rd, Las Vegas, NV 89113
24 Month High Yield Jumbo CD
$0
4.45% ▲ 1.57% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.88%▲ 1.57% above avg
Details

Loyalty Rates: 0.05%

Rate History
No change since Sep 27, 2026 · 4.45% APY · checked 5 times
3.95%4.45%4.95%Sep 27, 2026: 4.45% APYSep 27, 2026Oct 13, 2026
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
1001 Post Rd, Darien, CT 06820
Prime Certificates of Deposit (CD) - 24 month
$500
4.45% ▲ 1.57% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.88%▲ 1.57% above avg
Details

No additional details available.

Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 8, 2026: 4.45% APYOct 8, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
24 Month CD
$1,000
4.45% ▲ 1.57% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.88%▲ 1.57% above avg
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.45% APY · checked 5 times
3.95%4.45%4.95%Sep 24, 2026: 4.45% APYSep 24, 2026Oct 13, 2026
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
6414 Montgomery St, Rhinebeck, NY 12572
2-Year CD - Promo
$2,000
4.40% ▲ 1.52% above avg
View
▼
Rate4.31%
Min Deposit$2,000
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.88%▲ 1.52% above avg
Details

No additional details available.

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 13, 2026
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
400 Town Center Dr, Dearborn, MI 48126
2 Year Business Share Certificates
$0
4.40% ▲ 1.52% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.88%▲ 1.52% above avg
Details

Balance: $1,000 to $24,999

Rate History
No change since Oct 13, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 13, 2026
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
123 W 4th St, Cedar Falls, IA 50613 2831
24 Month JUMBO Certificate
$100,000
4.35% ▲ 1.47% above avg
View
▼
Rate4.28%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.88%▲ 1.47% above avg
Details

Limited Time Special; $100,000 minimum; Penalty for Early Withdrawal

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.35% ▲ 0.05 pts · high 4.35% / low 4.30%
3.80%4.32%4.85%Sep 18, 2026: 4.30% APYOct 9, 2026: 4.35% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.35%▲ from 4.30%
  • Sep 18, 20264.30%first recorded

36 Month CD Rates

MonitorBankRates National Average · 36 Month CD2.81% APY▲ 0.02% from last week
View 36-month CD rate trend

The national average 36-month CD rate is 2.81% APY as of October 13, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.

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% ▲ 2.32% above avg
View
▼
Rate5.00%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.81%▲ 2.32% above avg
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
4.63%5.13%5.63%Oct 13, 2026: 5.13% APYOct 13, 2026Oct 13, 2026
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
36 Month Certificate
$2,000
5.05% ▲ 2.24% above avg
View
▼
Rate4.93%
Min Deposit$2,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.81%▲ 2.24% above avg
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 5.05% APY · checked 2 times
4.55%5.05%5.55%Oct 7, 2026: 5.05% APYOct 7, 2026Oct 13, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
36-Month IRA
$0
5.02% ▲ 2.21% above avg
View
▼
Rate4.90%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.81%▲ 2.21% above avg
Details

Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates

Rate History
No change since Oct 12, 2026 · 5.02% APY
4.52%5.02%5.52%Oct 12, 2026: 5.02% APYOct 12, 2026Oct 13, 2026
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
$0
5.00% ▲ 2.19% above avg
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.81%▲ 2.19% above avg
Details

No additional details available.

Rate History
No change since Sep 19, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Sep 19, 2026: 5.00% APYSep 19, 2026Oct 13, 2026
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% ▲ 2.19% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.81%▲ 2.19% above avg
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%
4.25%4.88%5.50%Sep 24, 2026: 4.75% APYSep 27, 2026: 4.90% APYOct 3, 2026: 5.00% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20265.00%▲ from 4.90%
  • Sep 27, 20264.90%▲ from 4.75%
  • Sep 24, 20264.75%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
36 Month Traditional Family Trust Certificate
$500
5.00% ▲ 2.19% above avg
View
▼
Rate4.91%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.81%▲ 2.19% above avg
Details

Min. balance to earn APY tier: $100,000; Traditional IRA Certificates

Rate History
No change since Oct 13, 2026 · 5.00% APY
4.50%5.00%5.50%Oct 13, 2026: 5.00% APYOct 13, 2026Oct 13, 2026
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% ▲ 2.18% above avg
View
▼
Rate4.90%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.81%▲ 2.18% above avg
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%
4.23%4.86%5.49%Sep 24, 2026: 4.73% APYOct 7, 2026: 4.99% APYSep 24, 2026Oct 13, 2026
  • 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% ▲ 2.15% above avg
View
▼
Rate4.85%
Min Deposit$250
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.81%▲ 2.15% above avg
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%
3.92%4.70%5.48%Sep 14, 2026: 4.44% APYOct 11, 2026: 4.96% APYSep 14, 2026Oct 13, 2026
  • 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
$100
4.96% ▲ 2.15% above avg
View
▼
Rate4.90%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.81%▲ 2.15% above avg
Details

No additional details available.

Rate History
5 changes since Sep 8, 2026 · 4.24% → 4.96% ▲ 0.72 pts · high 5.06% / low 4.24%
3.42%4.65%5.88%Sep 8, 2026: 4.24% APYSep 18, 2026: 4.55% APYSep 24, 2026: 4.65% APYSep 27, 2026: 4.76% APYOct 2, 2026: 5.06% APYOct 7, 2026: 4.96% APYSep 8, 2026Oct 13, 2026
  • Oct 7, 20264.96%▼ from 5.06%
  • Oct 2, 20265.06%▲ from 4.76%
  • Sep 27, 20264.76%▲ from 4.65%
  • Sep 24, 20264.65%▲ from 4.55%
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
36 Month Jumbo Certificate of Deposit
$0
4.96% ▲ 2.15% above avg
View
▼
Rate4.85%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.81%▲ 2.15% above avg
Details

No additional details available.

Rate History
No change since Oct 8, 2026 · 4.96% APY · checked 2 times
4.46%4.96%5.46%Oct 8, 2026: 4.96% APYOct 8, 2026Oct 13, 2026
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% ▲ 2.12% above avg
View
▼
Rate4.81%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.81%▲ 2.12% above avg
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
4.43%4.93%5.43%Oct 13, 2026: 4.93% APYOct 13, 2026Oct 13, 2026
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
255 Main St, Massena, NY 13662
36 Month CD
$0
4.90% ▲ 2.09% above avg
View
▼
Rate4.75%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.81%▲ 2.09% above avg
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%
1.46%4.04%6.62%Sep 19, 2026: 3.18% APYOct 3, 2026: 4.90% APYSep 19, 2026Oct 13, 2026
  • 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 Certificate
$0
4.85% ▲ 2.04% above avg
View
▼
Rate4.74%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.81%▲ 2.04% above avg
Details

No additional details available.

Rate History
No change since Oct 6, 2026 · 4.85% APY · checked 2 times
4.35%4.85%5.35%Oct 6, 2026: 4.85% APYOct 6, 2026Oct 13, 2026
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% ▲ 2.04% above avg
View
▼
Rate4.75%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.81%▲ 2.04% above avg
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%
3.65%4.55%5.45%Sep 14, 2026: 4.25% APYOct 9, 2026: 4.85% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.85%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
4th Street And Lafayette Avenue, Palmerton, PA 18071
3 Year Adjustable CD
$1,000
4.81% ▲ 2.00% above avg
View
▼
Rate4.73%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.81%▲ 2.00% above avg
Details

See details. Not available for purchase effective June 7, 2022.

Rate History
1 change since Sep 27, 2026 · 4.29% → 4.81% ▲ 0.52 pts · high 4.81% / low 4.29%
3.77%4.55%5.33%Sep 27, 2026: 4.29% APYOct 4, 2026: 4.81% APYSep 27, 2026Oct 13, 2026
  • Oct 4, 20264.81%▲ from 4.29%
  • Sep 27, 20264.29%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
3 Year Certificate
$500
4.80% ▲ 1.99% above avg
View
▼
Rate4.69%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.81%▲ 1.99% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.80% ▲ 0.45 pts · high 4.80% / low 4.35%
3.85%4.57%5.30%Sep 14, 2026: 4.35% APYOct 10, 2026: 4.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.80%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
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% ▲ 1.94% above avg
View
▼
Rate4.65%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.81%▲ 1.94% above avg
Details

Compounding: Monthly; Personal accounts only

Rate History
No change since Oct 9, 2026 · 4.75% APY · checked 2 times
4.25%4.75%5.25%Oct 9, 2026: 4.75% APYOct 9, 2026Oct 13, 2026
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% ▲ 1.92% above avg
View
▼
Rate4.68%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.81%▲ 1.92% above avg
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%
3.87%4.55%5.23%Sep 14, 2026: 4.37% APYSep 24, 2026: 4.73% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.73%▲ from 4.37%
  • Sep 14, 20264.37%first recorded
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% ▲ 1.89% above avg
View
▼
Rate4.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.81%▲ 1.89% above avg
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%
3.34%4.36%5.38%Sep 14, 2026: 4.02% APYOct 9, 2026: 4.70% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.70%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
315 Croghan St, Fremont, OH 43420 3013
Share Certificates - 36 Month
$0
4.70% ▲ 1.89% above avg
View
▼
Rate4.60%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.81%▲ 1.89% above avg
Details

Type: Regular/IRA; Dividends compound & paid: Daily

Rate History
1 change since Sep 14, 2026 · 4.26% → 4.70% ▲ 0.44 pts · high 4.70% / low 4.26%
3.76%4.48%5.20%Sep 14, 2026: 4.26% APYOct 12, 2026: 4.70% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.70%▲ from 4.26%
  • Sep 14, 20264.26%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023
3 Year Business Certificate
$500
4.65% ▲ 1.84% above avg
View
▼
Rate4.55%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.81%▲ 1.84% above avg
Details

Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 4.10% → 4.65% ▲ 0.55 pts · high 4.65% / low 4.10%
3.55%4.38%5.20%Sep 27, 2026: 4.10% APYOct 6, 2026: 4.65% APYSep 27, 2026Oct 13, 2026
  • 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 Certificate
$500
4.60% ▲ 1.79% above avg
View
▼
Rate4.50%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.81%▲ 1.79% above avg
Details

No additional details available.

Rate History
1 change since Sep 19, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
3.56%4.34%5.12%Sep 19, 2026: 4.08% APYOct 3, 2026: 4.60% APYSep 19, 2026Oct 13, 2026
  • Oct 3, 20264.60%▲ from 4.08%
  • Sep 19, 20264.08%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
Jumbo IRA Certificate - 3 Year
$0
4.60% ▲ 1.79% above avg
View
▼
Rate4.51%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.81%▲ 1.79% above avg
Details

No additional details available.

Rate History
No change since Oct 6, 2026 · 4.60% APY · checked 2 times
4.10%4.60%5.10%Oct 6, 2026: 4.60% APYOct 6, 2026Oct 13, 2026
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% ▲ 1.79% above avg
View
▼
Rate4.60%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.81%▲ 1.79% above avg
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%
3.70%4.40%5.10%Sep 14, 2026: 4.20% APYOct 9, 2026: 4.60% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.60%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificate - 36 Months
$0
4.60% ▲ 1.79% above avg
View
▼
Rate4.51%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.81%▲ 1.79% above avg
Details

Penalty: 180 Days1

Rate History
No change since Oct 8, 2026 · 4.60% APY · checked 2 times
4.10%4.60%5.10%Oct 8, 2026: 4.60% APYOct 8, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
519 Main St, Kewaunee, WI 54216
Relationship CD - 36 Month
$0
4.60% ▲ 1.79% above avg
View
▼
Rate4.52%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.81%▲ 1.79% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
3.70%4.40%5.10%Sep 14, 2026: 4.20% APYSep 24, 2026: 4.60% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.60%▲ from 4.20%
  • Sep 14, 20264.20%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
IRA Certificate 36 Months
$500
4.59% ▲ 1.78% above avg
View
▼
Rate4.50%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.81%▲ 1.78% above avg
Details

Minimum $500 deposit required for IRA certificate accounts. Penalties may apply for early withdrawals.

Rate History
No change since Sep 18, 2026 · 4.59% APY · checked 7 times
4.09%4.59%5.09%Sep 18, 2026: 4.59% APYSep 18, 2026Oct 13, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
36 Month IRA Certificate
$0
4.59% ▲ 1.78% above avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.81%▲ 1.78% above avg
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 4.59% APY · checked 3 times
4.09%4.59%5.09%Sep 18, 2026: 4.59% APYSep 18, 2026Oct 13, 2026
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
$7,500
4.58% ▲ 1.77% above avg
View
▼
Rate—
Min Deposit$7,500
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.81%▲ 1.77% above avg
Details

Get complete details here

Rate History
No change since Oct 10, 2026 · 4.58% APY
4.08%4.58%5.08%Oct 10, 2026: 4.58% APYOct 10, 2026Oct 13, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
3 Year Certificate of Deposit
$1,000
4.55% ▲ 1.74% above avg
View
▼
Rate4.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.81%▲ 1.74% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
2.95%4.15%5.35%Sep 14, 2026: 3.75% APYSep 28, 2026: 4.55% APYSep 14, 2026Oct 13, 2026
  • 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
36 Months Jumbo IRA
$100,000
4.54% ▲ 1.73% above avg
View
▼
Rate4.45%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.81%▲ 1.73% above avg
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 4.30% → 4.54% ▲ 0.24 pts · high 4.54% / low 4.30%
3.80%4.42%5.04%Sep 14, 2026: 4.30% APYSep 27, 2026: 4.39% APYOct 10, 2026: 4.54% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.54%▲ from 4.39%
  • Sep 27, 20264.39%▲ from 4.30%
  • Sep 14, 20264.30%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% ▲ 1.71% above avg
View
▼
Rate4.45%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.81%▲ 1.71% above avg
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%
3.77%4.40%5.02%Sep 18, 2026: 4.27% APYOct 7, 2026: 4.52% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20264.52%▲ from 4.27%
  • Sep 18, 20264.27%first recorded
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
1831 2nd St, Coralville, IA 52241
IntraFi Network CD 3 Year
$100,000
4.50% ▲ 1.69% above avg
View
▼
Rate4.39%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details

Treasury Rates**: 4.87%

Rate History
No change since Oct 12, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 12, 2026: 4.50% APYOct 12, 2026Oct 13, 2026
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
$0
4.50% ▲ 1.69% above avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details

Balance: $10,000+

Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 24, 2026: 4.50% APYSep 24, 2026Oct 13, 2026
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
36 Month Certificate
$100,000
4.50% ▲ 1.69% above avg
View
▼
Rate4.45%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details

Balance: $100,000 and above

Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 13, 2026
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
4.50% ▲ 1.69% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details

Loyalty Rates: 0.05%

Rate History
No change since Sep 27, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 27, 2026: 4.50% APYSep 27, 2026Oct 13, 2026
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
3280 N University Ave, Provo, UT 84604
36 Month Business CD
$1,000
4.50% ▲ 1.69% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 13, 2026
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
W 1046 Marietta Ave, Ixonia, WI 53036
3-Year CD
$1,000
4.50% ▲ 1.69% above avg
View
▼
Rate4.43%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details

No additional details available.

Rate History
1 change since Sep 20, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 20, 2026: 4.00% APYOct 8, 2026: 4.50% APYSep 20, 2026Oct 13, 2026
  • Oct 8, 20264.50%▲ from 4.00%
  • Sep 20, 20264.00%first recorded
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
36 Month Certificate
$50,000
4.50% ▲ 1.69% above avg
View
▼
Rate4.50%
Min Deposit$50,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details

Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted

Rate History
2 changes since Sep 14, 2026 · 4.13% → 4.50% ▲ 0.37 pts · high 4.50% / low 4.13%
3.63%4.31%5.00%Sep 14, 2026: 4.13% APYSep 24, 2026: 4.25% APYOct 7, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.50%▲ from 4.25%
  • Sep 24, 20264.25%▲ from 4.13%
  • Sep 14, 20264.13%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% ▲ 1.69% above avg
View
▼
Rate4.40%
Min Deposit$25,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details

Online-only high-yield rates.

Rate History
1 change since Sep 18, 2026 · 3.76% → 4.50% ▲ 0.74 pts · high 4.50% / low 3.76%
3.02%4.13%5.24%Sep 18, 2026: 3.76% APYOct 2, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.50%▲ from 3.76%
  • Sep 18, 20263.76%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
7007 Broadway Ave, Cleveland, OH 44105
36 Month Bonus CD
$500
4.50% ▲ 1.69% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
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% ▲ 1.69% above avg
View
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.81%▲ 1.69% above avg
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%
3.65%4.33%5.00%Sep 21, 2026: 4.15% APYOct 5, 2026: 4.50% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.15%
  • Sep 21, 20264.15%first recorded
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% ▲ 1.69% above avg
View
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details

Balance: $5,000.00 - $99,999.99

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 13, 2026
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% ▲ 1.69% above avg
View
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details

No additional details available.

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 13, 2026
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
2625 CORPORATE Pl, MONTEREY PARK, CA 91754
36 Month Certificate
$1,000
4.50% ▲ 1.69% above avg
View
▼
Rate4.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details

Watch your money grow at a premium rate when you agree to receive paperless eStatements. Balances of $50,000 or more earn higher rates. No monthly fee. Auto renewal available. Federally insured balances up to $250,000.00.

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 13, 2026
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
2300 Texas Ave, Texas City, TX 77590
36 Month Certificate
$1,000
4.50% ▲ 1.69% above avg
View
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details

No additional details available.

Rate History
1 change since Sep 25, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 25, 2026: 4.20% APYOct 4, 2026: 4.50% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.50%▲ from 4.20%
  • Sep 25, 20264.20%first recorded
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
3001 S 82ND AVE, OMAHA, NE 68124
36 Month Share Certificate
$500
4.50% ▲ 1.69% above avg
View
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details

No additional details available.

Rate History
1 change since Sep 20, 2026 · 2.50% → 4.50% ▲ 2.00 pts · high 4.50% / low 2.50%
0.50%3.50%6.50%Sep 20, 2026: 2.50% APYOct 8, 2026: 4.50% APYSep 20, 2026Oct 13, 2026
  • Oct 8, 20264.50%▲ from 2.50%
  • Sep 20, 20262.50%first recorded
Farmers & Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
210 W Madison St, Waterloo, WI 53594
36 Month Certificate - 10% New Money
$500
4.50% ▲ 1.69% above avg
View
▼
Rate4.50%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details

10 for 10 Special; Certificates only (No IRA or HSA); 10% of total CD amount must be funds from another financial institution; Compounding: Annually

Rate History
No change since Oct 12, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 12, 2026: 4.50% APYOct 12, 2026Oct 13, 2026
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% ▲ 1.69% above avg
View
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details

IRA PROMOTIONAL

Rate History
1 change since Sep 18, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 18, 2026: 4.25% APYOct 6, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20264.50%▲ from 4.25%
  • Sep 18, 20264.25%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% ▲ 1.54% above avg
View
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.81%▲ 1.54% above avg
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
3.85%4.35%4.85%Oct 13, 2026: 4.35% APYOct 13, 2026Oct 13, 2026
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% ▲ 1.49% above avg
View
▼
Rate4.25%
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.81%▲ 1.49% above avg
Details

Limited Time Only

Rate History
No change since Oct 3, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 3, 2026: 4.30% APYOct 3, 2026Oct 13, 2026

48 Month CD Rates

MonitorBankRates National Average · 48 Month CD2.80% APY▲ 0.03% from last week
View 48-month CD rate trend

The national average 48-month CD rate is 2.80% APY as of October 13, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2485 Village View Dr, Henderson, NV 89074
48 Month CERTIFICATES OF DEPOSIT
$0
5.10% ▲ 2.30% above avg
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.80%▲ 2.30% above avg
Details

No additional details available.

Rate History
1 change since Sep 24, 2026 · 4.84% → 5.10% ▲ 0.26 pts · high 5.10% / low 4.84%
4.34%4.97%5.60%Sep 24, 2026: 4.84% APYOct 7, 2026: 5.10% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20265.10%▲ from 4.84%
  • Sep 24, 20264.84%first recorded
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
4 Year FDIC-Insured Certificate of Deposit
$0
5.10% ▲ 2.30% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.80%▲ 2.30% above avg
Details

No additional details available.

Rate History
3 changes since Sep 24, 2026 · 4.85% → 5.10% ▲ 0.25 pts · high 5.10% / low 4.85%
4.35%4.98%5.60%Sep 24, 2026: 4.85% APYSep 27, 2026: 4.95% APYOct 3, 2026: 5.00% APYOct 7, 2026: 5.10% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20265.10%▲ from 5.00%
  • Oct 3, 20265.00%▲ from 4.95%
  • Sep 27, 20264.95%▲ from 4.85%
  • Sep 24, 20264.85%first recorded
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
48 Month Certificate
$2,000
5.10% ▲ 2.30% above avg
View
▼
Rate4.97%
Min Deposit$2,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.80%▲ 2.30% above avg
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 5.10% APY · checked 2 times
4.60%5.10%5.60%Oct 7, 2026: 5.10% APYOct 7, 2026Oct 13, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Mini-Jumbo IRA Share Certificate - 4 year
$20,000
5.00% ▲ 2.20% above avg
View
▼
Rate4.88%
Min Deposit$20,000
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.80%▲ 2.20% above avg
Details

No additional details available.

Rate History
1 change since Oct 6, 2026 · 4.55% → 5.00% ▲ 0.45 pts · high 5.00% / low 4.55%
4.05%4.78%5.50%Oct 6, 2026: 4.55% APYOct 10, 2026: 5.00% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20265.00%▲ from 4.55%
  • Oct 6, 20264.55%first recorded
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA - 3 and 4 year
$0
5.00% ▲ 2.20% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.80%▲ 2.20% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 13, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
48 Month Certificate
$0
4.95% ▲ 2.15% above avg
View
▼
Rate4.83%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.80%▲ 2.15% above avg
Details

No additional details available.

Rate History
No change since Oct 6, 2026 · 4.95% APY · checked 2 times
4.45%4.95%5.45%Oct 6, 2026: 4.95% APYOct 6, 2026Oct 13, 2026
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
3988 West Delphi Road, Sweetser, IN 46987
48 Month Certificate of Deposit
$1,000
4.83% ▲ 2.03% above avg
View
▼
Rate4.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.80%▲ 2.03% above avg
Details

No additional details available.

Rate History
2 changes since Sep 11, 2026 · 3.29% → 4.83% ▲ 1.54 pts · high 4.83% / low 3.29%
1.75%4.06%6.37%Sep 11, 2026: 3.29% APYSep 24, 2026: 4.32% APYOct 3, 2026: 4.83% APYSep 11, 2026Oct 13, 2026
  • Oct 3, 20264.83%▲ from 4.32%
  • Sep 24, 20264.32%▲ from 3.29%
  • Sep 11, 20263.29%first recorded
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
315 Croghan St, Fremont, OH 43420 3013
Share Certificates - 48 Month
$0
4.80% ▲ 2.00% above avg
View
▼
Rate4.70%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.80%▲ 2.00% above avg
Details

Type: Regular/IRA; Dividends compound & paid: Daily

Rate History
1 change since Sep 14, 2026 · 4.31% → 4.80% ▲ 0.49 pts · high 4.80% / low 4.31%
3.81%4.56%5.30%Sep 14, 2026: 4.31% APYOct 12, 2026: 4.80% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.80%▲ from 4.31%
  • Sep 14, 20264.31%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
48 Month Elite Jumbo CD
$250,000
4.75% ▲ 1.95% above avg
View
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.80%▲ 1.95% above avg
Details

No additional details available.

Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 21, 2026: 4.25% APYOct 5, 2026: 4.75% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.75%▲ from 4.25%
  • Sep 21, 20264.25%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023
4 Year Business Certificate
$500
4.75% ▲ 1.95% above avg
View
▼
Rate4.64%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.80%▲ 1.95% above avg
Details

Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 4.10% → 4.75% ▲ 0.65 pts · high 4.75% / low 4.10%
3.45%4.43%5.40%Sep 27, 2026: 4.10% APYOct 6, 2026: 4.75% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.75%▲ from 4.10%
  • Sep 27, 20264.10%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
48-Month Certificate
$1,000
4.75% ▲ 1.95% above avg
View
▼
Rate4.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.80%▲ 1.95% above avg
Details

Balance: $100,000 and over

Rate History
1 change since Sep 14, 2026 · 4.08% → 4.75% ▲ 0.67 pts · high 4.75% / low 4.08%
3.41%4.42%5.42%Sep 14, 2026: 4.08% APYOct 9, 2026: 4.75% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.75%▲ from 4.08%
  • Sep 14, 20264.08%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
4 Year Certificates of Deposit (CDs)
$100
4.74% ▲ 1.94% above avg
View
▼
Rate4.69%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.80%▲ 1.94% above avg
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 4.42% → 4.74% ▲ 0.32 pts · high 4.74% / low 4.42%
3.92%4.58%5.24%Sep 14, 2026: 4.42% APYSep 24, 2026: 4.74% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.74%▲ from 4.42%
  • Sep 14, 20264.42%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1509 4th Ave S, Birmingham, AL 35233 1612
Certificates of Deposit Regular - 48 Months
$0
4.70% ▲ 1.90% above avg
View
▼
Rate4.70%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.80%▲ 1.90% above avg
Details

Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.

Rate History
No change since Oct 13, 2026 · 4.70% APY
4.20%4.70%5.20%Oct 13, 2026: 4.70% APYOct 13, 2026Oct 13, 2026
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificate - 48 Months
$0
4.70% ▲ 1.90% above avg
View
▼
Rate4.60%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.80%▲ 1.90% above avg
Details

Penalty: 180 Days1

Rate History
No change since Oct 8, 2026 · 4.70% APY · checked 2 times
4.20%4.70%5.20%Oct 8, 2026: 4.70% APYOct 8, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
519 Main St, Kewaunee, WI 54216
Relationship CD - 48 Month
$0
4.70% ▲ 1.90% above avg
View
▼
Rate4.62%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.80%▲ 1.90% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
3.75%4.48%5.20%Sep 14, 2026: 4.25% APYSep 24, 2026: 4.70% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.70%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
48 Months Jumbo IRA
$100,000
4.65% ▲ 1.85% above avg
View
▼
Rate4.55%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.80%▲ 1.85% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.55% → 4.65% ▲ 0.10 pts · high 4.65% / low 4.55%
4.05%4.60%5.15%Sep 14, 2026: 4.55% APYSep 27, 2026: 4.65% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.65%▲ from 4.55%
  • Sep 14, 20264.55%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
310 Caldwell St, Chillicothe, OH 45601
Print Share and IRA Jumbo Certificates - 48 Mo.
$0
4.63% ▲ 1.83% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.80%▲ 1.83% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.12% → 4.63% ▲ 0.51 pts · high 4.63% / low 4.12%
3.61%4.38%5.14%Sep 14, 2026: 4.12% APYSep 22, 2026: 4.63% APYSep 14, 2026Oct 13, 2026
  • Sep 22, 20264.63%▲ from 4.12%
  • Sep 14, 20264.12%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
4 Year Business CD
$5,000
4.60% ▲ 1.80% above avg
View
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.80%▲ 1.80% above avg
Details

Balance: $1,000,000.00 and over

Rate History
No change since Oct 13, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 13, 2026: 4.60% APYOct 13, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
800 Wayne Ave, Chambersburg, PA 17201 3810
48 Month Share Certificate
$0
4.60% ▲ 1.80% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.80%▲ 1.80% above avg
Details

Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance

Rate History
No change since Oct 5, 2026 · 4.60% APY · checked 3 times
4.10%4.60%5.10%Oct 5, 2026: 4.60% APYOct 5, 2026Oct 13, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
48 Month 75th Anniversary Certificates of Deposit
$7,500
4.58% ▲ 1.78% above avg
View
▼
Rate—
Min Deposit$7,500
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.80%▲ 1.78% above avg
Details

Get complete details here

Rate History
No change since Oct 10, 2026 · 4.58% APY
4.08%4.58%5.08%Oct 10, 2026: 4.58% APYOct 10, 2026Oct 13, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
48 Month Certificate of Deposit
$0
4.58% ▲ 1.78% above avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.80%▲ 1.78% above avg
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
3.87%4.48%5.08%Sep 18, 2026: 4.37% APYOct 7, 2026: 4.58% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20264.58%▲ from 4.37%
  • Sep 18, 20264.37%first recorded
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3845 Angola Rd, Toledo, OH 43615
48 Month IRA Certificate
$0
4.58% ▲ 1.78% above avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.80%▲ 1.78% above avg
Details

No additional details available.

Rate History
1 change since Sep 22, 2026 · 3.80% → 4.58% ▲ 0.78 pts · high 4.58% / low 3.80%
3.02%4.19%5.36%Sep 22, 2026: 3.80% APYOct 10, 2026: 4.58% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.58%▲ from 3.80%
  • Sep 22, 20263.80%first recorded
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
15750 W Dodge Rd, Omaha, NE 68118
48 Month CD
$500
4.55% ▲ 1.75% above avg
View
▼
Rate4.47%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.80%▲ 1.75% above avg
Details

No additional details available.

Rate History
No change since Sep 20, 2026 · 4.55% APY · checked 6 times
4.05%4.55%5.05%Sep 20, 2026: 4.55% APYSep 20, 2026Oct 13, 2026
Cornerstone State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
500 Main St, Madison Lake, MN 56063
IRA 36-48 month C.D.
$500
4.55% ▲ 1.75% above avg
View
▼
Rate4.50%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.80%▲ 1.75% above avg
Details

Balance: $75,000 to $199,999.99

Rate History
No change since Oct 7, 2026 · 4.55% APY
4.05%4.55%5.05%Oct 7, 2026: 4.55% APYOct 7, 2026Oct 13, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
4 Year Certificate of Deposit
$1,000
4.55% ▲ 1.75% above avg
View
▼
Rate4.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.80%▲ 1.75% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
2.95%4.15%5.35%Sep 14, 2026: 3.75% APYSep 28, 2026: 4.55% APYSep 14, 2026Oct 13, 2026
  • Sep 28, 20264.55%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
and up - 48 months
$0
4.55% ▲ 1.75% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.80%▲ 1.75% above avg
Details

No additional details available.

Rate History
No change since Oct 6, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 6, 2026: 4.55% APYOct 6, 2026Oct 13, 2026
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
48 Month Jumbo Certificate
$0
4.55% ▲ 1.75% above avg
View
▼
Rate4.46%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.80%▲ 1.75% above avg
Details

No additional details available.

Rate History
No change since Oct 8, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 8, 2026: 4.55% APYOct 8, 2026Oct 13, 2026
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
17273 State Route 104, Chillicothe, OH 45601 9718
48 Month Certificate of Deposit
$500
4.55% ▲ 1.75% above avg
View
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.80%▲ 1.75% above avg
Details

No additional details available.

Rate History
No change since Sep 25, 2026 · 4.55% APY · checked 3 times
4.05%4.55%5.05%Sep 25, 2026: 4.55% APYSep 25, 2026Oct 13, 2026
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
48 Month CD
$0
4.50% ▲ 1.70% above avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.80%▲ 1.70% above avg
Details

Balance: $10,000+

Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 24, 2026: 4.50% APYSep 24, 2026Oct 13, 2026
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
508 State St, Fremont, MI 49412
48 Month Share Certificates
$0
4.50% ▲ 1.70% above avg
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.80%▲ 1.70% above avg
Details

Rates effective October 1, 2026

Rate History
No change since Sep 12, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 12, 2026: 4.50% APYSep 12, 2026Oct 13, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
48 Month Share Certificate
$0
4.50% ▲ 1.70% above avg
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.80%▲ 1.70% above avg
Details

Balance: $1,000

Rate History
1 change since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 18, 2026: 4.20% APYSep 27, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.50%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
156 Spring St, West Roxbury, MA 02132
48 Month Certificate of Deposit
$1,000
4.50% ▲ 1.70% above avg
View
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.80%▲ 1.70% above avg
Details

No additional details available.

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 13, 2026
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
Certificate - 48 Months
$50
4.50% ▲ 1.70% above avg
View
▼
Rate4.50%
Min Deposit$50
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.80%▲ 1.70% above avg
Details

Dividends paid monthly

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYOct 9, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.50%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME 04240
4 Year Certificate
$500
4.50% ▲ 1.70% above avg
View
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.80%▲ 1.70% above avg
Details

No additional details available.

Rate History
1 change since Sep 25, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 25, 2026: 4.00% APYOct 4, 2026: 4.50% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.50%▲ from 4.00%
  • Sep 25, 20264.00%first recorded
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
700 Main St, Baton Rouge, LA 70802 5501
4 Year Super Saver Share Certificate
$100,000
4.50% ▲ 1.70% above avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.80%▲ 1.70% above avg
Details

APY with La Cap Checking; Dividends Credited: Monthly; Effective Date: 10/09/2026; Super Saver (Opening Deposits of $100,000 or More)

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.50% ▲ 0.90 pts · high 4.50% / low 3.60%
2.70%4.05%5.40%Sep 14, 2026: 3.60% APYOct 13, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.50%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
5070 Peachtree Industrial Blvd, Peachtree Corners, GA 30071 1587
4 Year Share Certificates/CDs
$500
4.50% ▲ 1.70% above avg
View
▼
Rate4.43%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.80%▲ 1.70% above avg
Details

$500.00 and above; Special promotional as-high-as rate (footnote **); early withdrawal penalty applies

Rate History
1 change since Sep 12, 2026 · 3.15% → 4.50% ▲ 1.35 pts · high 4.50% / low 3.15%
1.80%3.82%5.85%Sep 12, 2026: 3.15% APYOct 4, 2026: 4.50% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20264.50%▲ from 3.15%
  • Sep 12, 20263.15%first recorded
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
4091 Mount Royal Blvd, Allison Park, PA 15101
Business 4 Year CD
$0
4.49% ▲ 1.69% above avg
View
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.80%▲ 1.69% above avg
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 4.23% → 4.49% ▲ 0.26 pts · high 4.49% / low 4.23%
3.73%4.36%4.99%Sep 14, 2026: 4.23% APYSep 24, 2026: 4.28% APYOct 8, 2026: 4.49% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.49%▲ from 4.28%
  • Sep 24, 20264.28%▲ from 4.23%
  • Sep 14, 20264.23%first recorded
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
8310 O St, Lincoln, NE 68510
48 Month Certificate
$1,000
4.46% ▲ 1.66% above avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.80%▲ 1.66% above avg
Details

No additional details available.

Rate History
1 change since Sep 30, 2026 · 4.07% → 4.46% ▲ 0.39 pts · high 4.46% / low 4.07%
3.57%4.27%4.96%Sep 30, 2026: 4.07% APYOct 6, 2026: 4.46% APYSep 30, 2026Oct 13, 2026
  • Oct 6, 20264.46%▲ from 4.07%
  • Sep 30, 20264.07%first recorded
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1868 S 500 W, Woods Cross, UT 84010
48 Month Certificate
$500
4.45% ▲ 1.65% above avg
View
▼
Rate4.36%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.80%▲ 1.65% above avg
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 7, 2026: 4.45% APYOct 7, 2026Oct 13, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
241 E Saginaw St, East Lansing, MI 48823
48 Month Certificate of Deposit
$0
4.45% ▲ 1.65% above avg
View
▼
Rate4.38%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.80%▲ 1.65% above avg
Details

No additional details available.

Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.45% ▲ 0.25 pts · high 4.45% / low 4.20%
3.70%4.33%4.95%Sep 18, 2026: 4.20% APYSep 24, 2026: 4.30% APYOct 2, 2026: 4.45% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.45%▲ from 4.30%
  • Sep 24, 20264.30%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
48 Month Certificate
$100,000
4.40% ▲ 1.60% above avg
View
▼
Rate4.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.80%▲ 1.60% above avg
Details

Balance: $100,000 and above

Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APYOct 7, 2026Oct 13, 2026
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
200 W Main St, Washington, MO 63090
48 Month CD or IRA CD
$500
4.40% ▲ 1.60% above avg
View
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.80%▲ 1.60% above avg
Details

Interest paid quarterly

Rate History
No change since Sep 8, 2026 · 4.40% APY · checked 8 times
3.90%4.40%4.90%Sep 8, 2026: 4.40% APYSep 8, 2026Oct 13, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
4 years High-Yield CD
$500
4.40% ▲ 1.60% above avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.80%▲ 1.60% above avg
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
255 Main St, Massena, NY 13662
48 Month CD
$0
4.38% ▲ 1.58% above avg
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.80%▲ 1.58% above avg
Details

No additional details available.

Rate History
1 change since Sep 19, 2026 · 3.08% → 4.38% ▲ 1.30 pts · high 4.38% / low 3.08%
1.78%3.73%5.68%Sep 19, 2026: 3.08% APYOct 3, 2026: 4.38% APYSep 19, 2026Oct 13, 2026
  • Oct 3, 20264.38%▲ from 3.08%
  • Sep 19, 20263.08%first recorded
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
501 Main St, Milligan, NE 68406
48 Month Certificate of Deposit
$0
4.37% ▲ 1.57% above avg
View
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.80%▲ 1.57% above avg
Details

No additional details available.

Rate History
No change since Sep 19, 2026 · 4.37% APY · checked 2 times
3.87%4.37%4.87%Sep 19, 2026: 4.37% APYSep 19, 2026Oct 13, 2026
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
402 Lincoln Ave, Hebron, NE 68370
48 Month CD
$0
4.36% ▲ 1.56% above avg
View
▼
Rate4.28%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.80%▲ 1.56% above avg
Details

Balance: $75,000.00 and up

Rate History
1 change since Sep 11, 2026 · 4.25% → 4.36% ▲ 0.11 pts · high 4.36% / low 4.25%
3.75%4.31%4.86%Sep 11, 2026: 4.25% APYOct 3, 2026: 4.36% APYSep 11, 2026Oct 13, 2026
  • Oct 3, 20264.36%▲ from 4.25%
  • Sep 11, 20264.25%first recorded
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
48 Month CD
$25,000
4.35% ▲ 1.55% above avg
View
▼
Rate4.28%
Min Deposit$25,000
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.80%▲ 1.55% above avg
Details

Term: 48 Month ($25,000 or more)

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 18, 2026: 4.00% APYSep 22, 2026: 4.35% APYSep 18, 2026Oct 13, 2026
  • Sep 22, 20264.35%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
48 Month Dream Fund CD
$100
4.32% ▲ 1.52% above avg
View
▼
Rate4.25%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.80%▲ 1.52% above avg
Details

No additional details available.

Rate History
No change since Sep 11, 2026 · 4.32% APY · checked 7 times
3.82%4.32%4.82%Sep 11, 2026: 4.32% APYSep 11, 2026Oct 13, 2026

60 Month CD Rates

MonitorBankRates National Average · 60 Month CD2.90% APY▲ 0.03% from last week
View 60-month CD rate trend

The national average 60-month CD rate is 2.90% APY as of October 13, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA - 5 years
$0
5.25% ▲ 2.35% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.90%▲ 2.35% above avg
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 5.25% APY · checked 3 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APYSep 14, 2026Oct 13, 2026
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
5 Year FDIC-Insured Certificate of Deposit
$0
5.20% ▲ 2.30% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.90%▲ 2.30% above avg
Details

No additional details available.

Rate History
3 changes since Sep 24, 2026 · 4.90% → 5.20% ▲ 0.30 pts · high 5.20% / low 4.90%
4.40%5.05%5.70%Sep 24, 2026: 4.90% APYSep 27, 2026: 5.05% APYOct 7, 2026: 5.15% APYOct 11, 2026: 5.20% APYSep 24, 2026Oct 13, 2026
  • Oct 11, 20265.20%▲ from 5.15%
  • Oct 7, 20265.15%▲ from 5.05%
  • Sep 27, 20265.05%▲ from 4.90%
  • Sep 24, 20264.90%first recorded
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
60 Month Certificate
$2,000
5.20% ▲ 2.30% above avg
View
▼
Rate5.07%
Min Deposit$2,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.90%▲ 2.30% above avg
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 5.20% APY · checked 2 times
4.70%5.20%5.70%Oct 7, 2026: 5.20% APYOct 7, 2026Oct 13, 2026
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2485 Village View Dr, Henderson, NV 89074
60 Month CERTIFICATES OF DEPOSIT
$0
5.15% ▲ 2.25% above avg
View
▼
Rate5.05%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.90%▲ 2.25% above avg
Details

No additional details available.

Rate History
1 change since Sep 24, 2026 · 4.89% → 5.15% ▲ 0.26 pts · high 5.15% / low 4.89%
4.39%5.02%5.65%Sep 24, 2026: 4.89% APYOct 7, 2026: 5.15% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20265.15%▲ from 4.89%
  • Sep 24, 20264.89%first recorded
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
1610 Janesville Ave, Fort Atkinson, WI 53538
Certificates - 60-Month
$250
5.15% ▲ 2.25% above avg
View
▼
Rate5.05%
Min Deposit$250
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.90%▲ 2.25% above avg
Details

Dividends Paid: Quarterly; $250 minimum to open

Rate History
No change since Oct 13, 2026 · 5.15% APY
4.65%5.15%5.65%Oct 13, 2026: 5.15% APYOct 13, 2026Oct 13, 2026
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
510 S Dexter St, Ionia, MI 48846
60 Month Minor CD Special
$100
5.12% ▲ 2.22% above avg
View
▼
Rate5.00%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.90%▲ 2.22% above avg
Details

Dividend Rate (as APR) 5.00%; Minimum $100 Min/$5000 Max; Opening balance range $100 to $5,000

Rate History
No change since Sep 18, 2026 · 5.12% APY · checked 2 times
4.62%5.12%5.62%Sep 18, 2026: 5.12% APYSep 18, 2026Oct 13, 2026
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
104 S Cascade Ave, Colorado Springs, CO 80903
60 Month Variable IRA
$250
5.11% ▲ 2.21% above avg
View
▼
Rate4.99%
Min Deposit$250
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.90%▲ 2.21% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.57% → 5.11% ▲ 0.54 pts · high 5.11% / low 4.57%
4.03%4.84%5.65%Sep 14, 2026: 4.57% APYOct 11, 2026: 5.11% APYSep 14, 2026Oct 13, 2026
  • Oct 11, 20265.11%▲ from 4.57%
  • Sep 14, 20264.57%first recorded
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
3988 West Delphi Road, Sweetser, IN 46987
60 Month Certificate of Deposit
$1,000
5.09% ▲ 2.19% above avg
View
▼
Rate5.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.90%▲ 2.19% above avg
Details

No additional details available.

Rate History
2 changes since Sep 11, 2026 · 3.55% → 5.09% ▲ 1.54 pts · high 5.09% / low 3.55%
2.01%4.32%6.63%Sep 11, 2026: 3.55% APYSep 24, 2026: 4.58% APYOct 3, 2026: 5.09% APYSep 11, 2026Oct 13, 2026
  • Oct 3, 20265.09%▲ from 4.58%
  • Sep 24, 20264.58%▲ from 3.55%
  • Sep 11, 20263.55%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Mini-Jumbo IRA Share Certificate - 5 year
$20,000
5.05% ▲ 2.15% above avg
View
▼
Rate4.93%
Min Deposit$20,000
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.90%▲ 2.15% above avg
Details

No additional details available.

Rate History
1 change since Oct 6, 2026 · 4.60% → 5.05% ▲ 0.45 pts · high 5.05% / low 4.60%
4.10%4.82%5.55%Oct 6, 2026: 4.60% APYOct 10, 2026: 5.05% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20265.05%▲ from 4.60%
  • Oct 6, 20264.60%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
60 Month Certificate
$0
5.00% ▲ 2.10% above avg
View
▼
Rate4.88%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.90%▲ 2.10% above avg
Details

No additional details available.

Rate History
No change since Oct 6, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 6, 2026: 5.00% APYOct 6, 2026Oct 13, 2026
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
3181 Larchmont Ave NE, Warren, OH 44483 2435
60 Month Jumbo Certificate
$0
5.00% ▲ 2.10% above avg
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.90%▲ 2.10% above avg
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 · 4.05% → 5.00% ▲ 0.95 pts · high 5.00% / low 4.05%
3.10%4.53%5.95%Sep 14, 2026: 4.05% APYOct 9, 2026: 5.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.00%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
4164 Virginia Beach Blvd, Virginia Beach, VA 23452
60 Month Youth Share Certificate
$0
5.00% ▲ 2.10% above avg
View
▼
Rate4.91%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.90%▲ 2.10% above avg
Details

Available Options: $50 and $100 only; Exclusively for Long John Saver & Pipeline members; Part of Long John Saver Kids Club & Pipeline for Teens; Maximum $1,000 in Youth Share Certificates at any one time; Effective Date: June 29, 2023

Rate History
No change since Oct 9, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 9, 2026: 5.00% APYOct 9, 2026Oct 13, 2026
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
IRA 60 MONTH
$100
4.96% ▲ 2.06% above avg
View
▼
Rate4.90%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.90%▲ 2.06% above avg
Details

No additional details available.

Rate History
5 changes since Sep 8, 2026 · 4.35% → 4.96% ▲ 0.61 pts · high 5.06% / low 4.35%
3.64%4.71%5.77%Sep 8, 2026: 4.35% APYSep 18, 2026: 4.65% APYSep 24, 2026: 4.76% APYSep 27, 2026: 4.86% APYOct 2, 2026: 5.06% APYOct 7, 2026: 4.96% APYSep 8, 2026Oct 13, 2026
  • Oct 7, 20264.96%▼ from 5.06%
  • Oct 2, 20265.06%▲ from 4.86%
  • Sep 27, 20264.86%▲ from 4.76%
  • Sep 24, 20264.76%▲ from 4.65%
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
60 Month Share Certificates (CDs) - Jumbo
$1,000
4.95% ▲ 2.05% above avg
View
▼
Rate4.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.90%▲ 2.05% above avg
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.95% APY
4.45%4.95%5.45%Oct 13, 2026: 4.95% APYOct 13, 2026Oct 13, 2026
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
315 Croghan St, Fremont, OH 43420 3013
Share Certificates - 60 Month
$0
4.90% ▲ 2.00% above avg
View
▼
Rate4.79%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.90%▲ 2.00% above avg
Details

Type: Regular/IRA; Dividends compound & paid: Daily

Rate History
1 change since Sep 14, 2026 · 4.31% → 4.90% ▲ 0.59 pts · high 4.90% / low 4.31%
3.72%4.61%5.49%Sep 14, 2026: 4.31% APYOct 12, 2026: 4.90% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.90%▲ from 4.31%
  • Sep 14, 20264.31%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Jumbo Certificates - 5 years
$0
4.87% ▲ 1.97% above avg
View
▼
Rate4.76%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.90%▲ 1.97% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.49% → 4.87% ▲ 0.38 pts · high 4.87% / low 4.49%
3.99%4.68%5.37%Sep 18, 2026: 4.49% APYOct 1, 2026: 4.87% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.87%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1129 State St, Erie, PA 16501 1911
Share Certificates - 60 month Certificate
$0
4.81% ▲ 1.91% above avg
View
▼
Rate4.73%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.90%▲ 1.91% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.37% → 4.81% ▲ 0.44 pts · high 4.81% / low 4.37%
3.87%4.59%5.31%Sep 14, 2026: 4.37% APYOct 9, 2026: 4.81% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.81%▲ from 4.37%
  • Sep 14, 20264.37%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023
5 Year Business Certificate
$500
4.80% ▲ 1.90% above avg
View
▼
Rate4.69%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.90%▲ 1.90% above avg
Details

Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 4.15% → 4.80% ▲ 0.65 pts · high 4.80% / low 4.15%
3.50%4.48%5.45%Sep 27, 2026: 4.15% APYOct 6, 2026: 4.80% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.80%▲ from 4.15%
  • Sep 27, 20264.15%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
60-Month Certificate
$1,000
4.80% ▲ 1.90% above avg
View
▼
Rate4.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.90%▲ 1.90% above avg
Details

Balance: $100,000 and over

Rate History
1 change since Sep 14, 2026 · 4.13% → 4.80% ▲ 0.67 pts · high 4.80% / low 4.13%
3.46%4.47%5.47%Sep 14, 2026: 4.13% APYOct 9, 2026: 4.80% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.80%▲ from 4.13%
  • Sep 14, 20264.13%first recorded
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificate - 60 Months
$0
4.80% ▲ 1.90% above avg
View
▼
Rate4.70%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.90%▲ 1.90% above avg
Details

Penalty: 180 Days1

Rate History
No change since Oct 8, 2026 · 4.80% APY · checked 2 times
4.30%4.80%5.30%Oct 8, 2026: 4.80% APYOct 8, 2026Oct 13, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
5 Year Certificates of Deposit (CDs)
$1,000
4.79% ▲ 1.89% above avg
View
▼
Rate4.74%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.90%▲ 1.89% above avg
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 4.48% → 4.79% ▲ 0.31 pts · high 4.79% / low 4.48%
3.98%4.64%5.29%Sep 14, 2026: 4.48% APYSep 24, 2026: 4.79% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.79%▲ from 4.48%
  • Sep 14, 20264.48%first recorded
Piscataqua Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15 Pleasant St, Portsmouth, NH 03801
5 Year Certificate
$500
4.76% ▲ 1.86% above avg
View
▼
Rate4.65%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.90%▲ 1.86% above avg
Details

No additional details available.

Rate History
1 change since Sep 19, 2026 · 4.08% → 4.76% ▲ 0.68 pts · high 4.76% / low 4.08%
3.40%4.42%5.44%Sep 19, 2026: 4.08% APYOct 3, 2026: 4.76% APYSep 19, 2026Oct 13, 2026
  • Oct 3, 20264.76%▲ from 4.08%
  • Sep 19, 20264.08%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
60 Month Elite Jumbo CD
$250,000
4.75% ▲ 1.85% above avg
View
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.90%▲ 1.85% above avg
Details

No additional details available.

Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 21, 2026: 4.25% APYOct 5, 2026: 4.75% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.75%▲ from 4.25%
  • Sep 21, 20264.25%first recorded
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
156 Spring St, West Roxbury, MA 02132
60 Month Certificate of Deposit
$1,000
4.75% ▲ 1.85% above avg
View
▼
Rate4.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.90%▲ 1.85% above avg
Details

No additional details available.

Rate History
No change since Oct 13, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 13, 2026: 4.75% APYOct 13, 2026Oct 13, 2026
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
687 Lincoln St, Galesburg, IL 61401
60 Month Share Certificate
$0
4.75% ▲ 1.85% above avg
View
▼
Rate4.65%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.90%▲ 1.85% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 2.75% → 4.75% ▲ 2.00 pts · high 4.75% / low 2.75%
0.75%3.75%6.75%Sep 14, 2026: 2.75% APYOct 10, 2026: 4.75% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.75%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
1055 S Congress Ave, West Palm Beach, FL 33406 5195
Jumbo 60 Month Certificates
$0
4.75% ▲ 1.85% above avg
View
▼
Rate4.67%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.90%▲ 1.85% above avg
Details

Jumbo 60 Month Certificates** - Minimum $75,000; Early Withdrawal Penalty: 180 days interest

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.75% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.75%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
519 Main St, Kewaunee, WI 54216
Relationship CD - 60 Month
$0
4.75% ▲ 1.85% above avg
View
▼
Rate4.67%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.90%▲ 1.85% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Sep 14, 2026: 4.35% APYSep 24, 2026: 4.75% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.75%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
5 Year Business CD
$5,000
4.70% ▲ 1.80% above avg
View
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.90%▲ 1.80% above avg
Details

Balance: $1,000,000.00 and over

Rate History
No change since Oct 13, 2026 · 4.70% APY
4.20%4.70%5.20%Oct 13, 2026: 4.70% APYOct 13, 2026Oct 13, 2026
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1509 4th Ave S, Birmingham, AL 35233 1612
60 Month IRA
$0
4.70% ▲ 1.80% above avg
View
▼
Rate4.70%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.90%▲ 1.80% above avg
Details

IRA CDs pay at maturity; Early withdrawal penalty of 90 days interest

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
3.75%4.48%5.20%Sep 14, 2026: 4.25% APYOct 9, 2026: 4.70% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.70%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
60 Months Jumbo IRA
$100,000
4.70% ▲ 1.80% above avg
View
▼
Rate4.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.90%▲ 1.80% above avg
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 4.45% → 4.70% ▲ 0.25 pts · high 4.70% / low 4.45%
3.95%4.58%5.20%Sep 14, 2026: 4.45% APYSep 27, 2026: 4.54% APYOct 10, 2026: 4.70% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.70%▲ from 4.54%
  • Sep 27, 20264.54%▲ from 4.45%
  • Sep 14, 20264.45%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
Jumbo Individual Retirement Account Certificates - 60-month
$0
4.66% ▲ 1.76% above avg
View
▼
Rate4.58%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.90%▲ 1.76% above avg
Details

Traditional, Roth, and Coverdell IRA; penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.66% ▲ 1.01 pts · high 4.66% / low 3.65%
2.64%4.15%5.67%Sep 14, 2026: 3.65% APYOct 5, 2026: 4.66% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.66%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
310 Caldwell St, Chillicothe, OH 45601
Print Share and IRA Jumbo Certificates - 60 Mo.
$0
4.65% ▲ 1.75% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.90%▲ 1.75% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 4.14% → 4.65% ▲ 0.51 pts · high 4.65% / low 4.14%
3.63%4.40%5.16%Sep 14, 2026: 4.14% APYSep 22, 2026: 4.65% APYSep 14, 2026Oct 13, 2026
  • Sep 22, 20264.65%▲ from 4.14%
  • Sep 14, 20264.14%first recorded
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
255 Main St, Massena, NY 13662
60 Month CD
$0
4.64% ▲ 1.74% above avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.90%▲ 1.74% above avg
Details

No additional details available.

Rate History
1 change since Sep 19, 2026 · 3.23% → 4.64% ▲ 1.41 pts · high 4.64% / low 3.23%
1.82%3.93%6.05%Sep 19, 2026: 3.23% APYOct 3, 2026: 4.64% APYSep 19, 2026Oct 13, 2026
  • Oct 3, 20264.64%▲ from 3.23%
  • Sep 19, 20263.23%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
60 Month Certificate of Deposit
$0
4.63% ▲ 1.73% above avg
View
▼
Rate4.55%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.90%▲ 1.73% above avg
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.42% → 4.63% ▲ 0.21 pts · high 4.63% / low 4.42%
3.92%4.53%5.13%Sep 18, 2026: 4.42% APYOct 7, 2026: 4.63% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20264.63%▲ from 4.42%
  • Sep 18, 20264.42%first recorded
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1290 S Donahue Dr, Auburn, AL 36832 6330
54 - 60 Month IRA Share Certificate
$0
4.61% ▲ 1.71% above avg
View
▼
Rate4.53%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.90%▲ 1.71% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.13% → 4.61% ▲ 0.48 pts · high 4.61% / low 4.13%
3.63%4.37%5.11%Sep 18, 2026: 4.13% APYOct 10, 2026: 4.61% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.61%▲ from 4.13%
  • Sep 18, 20264.13%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
800 Wayne Ave, Chambersburg, PA 17201 3810
60 Month Share Certificate
$0
4.60% ▲ 1.70% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.90%▲ 1.70% above avg
Details

Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026

Rate History
No change since Oct 13, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 13, 2026: 4.60% APYOct 13, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
19701 Hamilton Ave ste 130, Torrance, CA 90502 1368
5 Year IRA Certificate - Roth
$500
4.60% ▲ 1.70% above avg
View
▼
Rate4.50%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.90%▲ 1.70% above avg
Details

No additional details available.

Rate History
1 change since Oct 9, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
2.20%4.00%5.80%Oct 9, 2026: 3.40% APYOct 13, 2026: 4.60% APYOct 9, 2026Oct 13, 2026
  • Oct 13, 20264.60%▲ from 3.40%
  • Oct 9, 20263.40%first recorded
1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
1000 W Wisconsin St, Sparta, WI 54656 2230
60-Month Youth Certificate Special
$500
4.60% ▲ 1.70% above avg
View
▼
Rate4.50%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.90%▲ 1.70% above avg
Details

Age: 0-12 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 · 4.60% APY
4.10%4.60%5.10%Oct 13, 2026: 4.60% APYOct 13, 2026Oct 13, 2026
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
4091 Mount Royal Blvd, Allison Park, PA 15101
Business 5 Year CD
$0
4.59% ▲ 1.69% above avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.90%▲ 1.69% above avg
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 4.28% → 4.59% ▲ 0.31 pts · high 4.59% / low 4.28%
3.78%4.44%5.09%Sep 14, 2026: 4.28% APYSep 24, 2026: 4.33% APYOct 8, 2026: 4.59% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.59%▲ from 4.33%
  • Sep 24, 20264.33%▲ from 4.28%
  • Sep 14, 20264.28%first recorded
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
15750 W Dodge Rd, Omaha, NE 68118
60 Month CD
$500
4.55% ▲ 1.65% above avg
View
▼
Rate4.47%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.90%▲ 1.65% above avg
Details

No additional details available.

Rate History
No change since Sep 20, 2026 · 4.55% APY · checked 6 times
4.05%4.55%5.05%Sep 20, 2026: 4.55% APYSep 20, 2026Oct 13, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
5 Year Certificate of Deposit
$1,000
4.55% ▲ 1.65% above avg
View
▼
Rate4.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.90%▲ 1.65% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
2.95%4.15%5.35%Sep 14, 2026: 3.75% APYSep 28, 2026: 4.55% APYSep 14, 2026Oct 13, 2026
  • Sep 28, 20264.55%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
60 mo Certificate of Deposit
$500
4.54% ▲ 1.64% above avg
View
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.90%▲ 1.64% above avg
Details

Opening Balance: $10,000 or above; Interest credited Monthly; Fixed

Rate History
No change since Sep 14, 2026 · 4.54% APY · checked 6 times
4.04%4.54%5.04%Sep 14, 2026: 4.54% APYSep 14, 2026Oct 13, 2026
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
175 Hopper Ave, De Kalb, MS 39328
Business 60 Months
$0
4.50% ▲ 1.60% above avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.90%▲ 1.60% above avg
Details

No additional details available.

Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 8, 2026: 4.50% APYOct 8, 2026Oct 13, 2026
TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
33485 Lexington Ave, De Soto, KS 66018
60 Month Certificate
$1,000
4.50% ▲ 1.60% above avg
View
▼
Rate4.43%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.90%▲ 1.60% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
2.50%4.00%5.50%Sep 14, 2026: 3.50% APYSep 24, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.50%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Smartypig, by Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
60 Month Certificates of deposit (CDs)
$2,500
4.50% ▲ 1.60% above avg
View
▼
Rate4.40%
Min Deposit$2,500
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.90%▲ 1.60% above avg
Details

Balance required to obtain APY: $2,500

Rate History
No change since Oct 10, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 10, 2026: 4.50% APYOct 10, 2026Oct 13, 2026
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
60 Month CD
$0
4.50% ▲ 1.60% above avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.90%▲ 1.60% above avg
Details

Balance: $10,000+

Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 24, 2026: 4.50% APYSep 24, 2026Oct 13, 2026
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
60 Month Certificates of deposit (CDs)
$2,500
4.50% ▲ 1.60% above avg
View
▼
Rate4.40%
Min Deposit$2,500
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.90%▲ 1.60% above avg
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 4.40% → 4.50% ▲ 0.10 pts · high 4.50% / low 4.40%
3.90%4.45%5.00%Sep 18, 2026: 4.40% APYSep 27, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.50%▲ from 4.40%
  • Sep 18, 20264.40%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
241 E Saginaw St, East Lansing, MI 48823
60 Month Certificate of Deposit
$0
4.50% ▲ 1.60% above avg
View
▼
Rate4.43%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.90%▲ 1.60% above avg
Details

No additional details available.

Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 18, 2026: 4.20% APYSep 24, 2026: 4.30% APYOct 2, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.50%▲ from 4.30%
  • Sep 24, 20264.30%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Bank Five Nine
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
155 W Wisconsin Ave, Oconomowoc, WI 53066
60 Month CD / IRA
$1,000
4.50% ▲ 1.60% above avg
View
▼
Rate4.43%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 7, 2026
MBR National Avg2.90%▲ 1.60% above avg
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 2.50% → 4.50% ▲ 2.00 pts · high 4.50% / low 2.50%
0.50%3.50%6.50%Sep 14, 2026: 2.50% APYOct 2, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 2, 20264.50%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
300 Arneill Rd, Camarillo, CA 93010
5 Year Term Share Certificate
$500
4.50% ▲ 1.60% above avg
View
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.90%▲ 1.60% above avg
Details

Term: 5 years with Epic Premium Checking; Epic Premium Checking relationship rate

Rate History
1 change since Sep 18, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 18, 2026: 4.25% APYOct 4, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 4, 20264.50%▲ from 4.25%
  • Sep 18, 20264.25%first recorded
ORNL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
60-Month IRA PROMOTIONAL Certificate
$500
4.50% ▲ 1.60% above avg
View
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 10, 2026
MBR National Avg2.90%▲ 1.60% above avg
Details

IRA PROMOTIONAL

Rate History
1 change since Sep 18, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 18, 2026: 4.25% APYOct 6, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20264.50%▲ from 4.25%
  • Sep 18, 20264.25%first recorded
City State Bank Norwalk, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
801 Main St, Norwalk, IA 50211
60 Month Relationship CD
$500
4.40% ▲ 1.50% above avg
View
▼
Rate4.36%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 12, 2026
MBR National Avg2.90%▲ 1.50% above avg
Details

Must have a loan, deposit, or trust and investment account with City State Bank.

Rate History
No change since Sep 28, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 28, 2026: 4.40% APYSep 28, 2026Oct 13, 2026
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.

National CD Rate Trends

Weekly national average APYs across all 8 CD terms, compiled from 8,500+ banks & credit unions, updated nightly.

View Full CD Trends
12-Month CD, National Avg
2.988%
▲ 0.030 from last week

National 12-month CD rates rose 0.030 points this week to 2.988%, up from 2.959% last week.

6-Month CD, National Avg
2.782%
▲ 0.019 from last week

National 6-month CD rates rose 0.019 points this week to 2.782%, up from 2.764% last week.

CD Rate Averages by Term

National average CD rates as of October 13, 2026, compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Average APY by CD term, with the change from the prior week.
CD Term National Average APY Weekly Change 26-Week Trend
3-Month CD 2.09% ▲ 0.01%
6-Month CD 2.78% ▲ 0.02%
12-Month CD 2.99% ▲ 0.03%
18-Month CD 2.87% ▲ 0.01%
24-Month CD 2.88% ▲ 0.02%
36-Month CD 2.81% ▲ 0.02%
48-Month CD 2.80% ▲ 0.03%
60-Month CD 2.90% ▲ 0.03%

CD Rate Trends

Daily average APYs across all CD terms. Hover over the chart to see exact rates for each day.

As of Oct 13, 2026 • Source: MonitorBankRates • 8,500+ U.S. banks & credit unions

Top National 12-Month CD Rates, Banks vs. Credit Unions

Highest verified 12-month APYs available nationwide today, updated October 13, 2026. Use the term tabs above for all other terms.

B Top 5 Bank Rates
Clinton Savings Bank
12-month Get Real Add-On CD
A- 5.0 ★ TX: 15.56%
Min: $100
5.00%
United Midwest Savings Bank
6-12 Month CD
A+ 5.0 ★ TX: 2.90%
Min: $0
4.75%
Morgan Stanley E-Trade
12 Month Certificates of Deposit
A 4.8 ★ TX: 2.45%
Min: $0
4.75%
Gulf Capital Bank
12 Month Jumbo Certificate of Deposit
A+ 5.0 ★ TX: 3.09%
Min: $0
4.70%
PSB of Plainview
12 Month Certificate
A- 4.7 ★ TX: 9.93%
Min: $0
4.63%
CU Top 5 Credit Union Rates
Southeast Missouri Community Credit Union
12 month Youth CD
A+ 5.0 ★ TX: 1.03%
Min: $100
6.14%
Vacationland Federal Credit Union
12 Month Youth Certificates
A+ 5.0 ★ TX: 4.80%
Min: $500
6.03%
Congressional Federal Credit Union
Flexible Saver - 1 Year Certificate
A 5.0 ★ TX: 8.63%
Min: $100
6.00%
CO-OP Credit Union
12 Month Youth Saver Certificate
A+ 5.0 ★ TX: 5.54%
Min: $100
6.00%
Schools Federal Credit Union
12 Month Relationship Certificate
A+ 5.0 ★ TX: 1.87%
Min: $0
5.90%
Rates verified October 13, 2026. Click an institution name to view its full profile, safety ratings, and all CD products.
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What Your Savings Earn at National CD Rates Today

Annual interest earnings at today’s national average APYs, compiled from 8,500+ banks and credit unions.

CD Term National Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.095% $104.73 $209.45 $523.63 $1,047.25
6-Month CD 2.782% $139.12 $278.24 $695.60 $1,391.20
12-Month CD 2.988% $149.42 $298.83 $747.08 $1,494.15
18-Month CD 2.865% $143.26 $286.52 $716.30 $1,432.60
24-Month CD 2.879% $143.96 $287.91 $719.78 $1,439.55
36-Month CD 2.806% $140.32 $280.63 $701.57 $1,403.15
48-Month CD 2.802% $140.09 $280.18 $700.45 $1,400.90
60-Month CD 2.897% $144.84 $289.67 $724.18 $1,448.35
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Top offers in the tables above pay well over these averages. Rates as of October 13, 2026.
Powered byMonitorBankRates

Sample CD Ladder at Today’s National Averages

$25,000 split equally across 5 terms using today’s national average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit National Avg APY Annual Earnings
1 3-Month CD $5,000 2.095% $104.73
2 6-Month CD $5,000 2.782% $139.12
3 12-Month CD $5,000 2.988% $149.42
4 24-Month CD $5,000 2.879% $143.96
5 36-Month CD $5,000 2.806% $140.32
Total ($25,000 invested) $25,000 2.710% blended $677.55/yr

Ladder example uses equal $5,000 rungs and national average APYs. Actual earnings depend on the specific institution and product chosen. The top offers above pay well over the averages. Use the calculator below to model your exact deposit amounts.

Powered byMonitorBankRates
8,500+
Banks & Credit Unions Monitored Nationwide
Thousands of Rates Tracked All 50 States • Updated Daily

About Our National CD Rate Database

MonitorBankRates monitors CD rates from 8,500+ banks and credit unions across all 50 states, spanning all eight major terms from 3 months to 60 months. The tables above surface the highest-yield offers available nationwide today from the thousands of verified rates in our database, and the state and minimum-deposit filters let you narrow the full database to offers available where you live. 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 12-month rate: Southeast Missouri Community Credit Union offers a 12-month CD at 6.14% APY with a minimum deposit of $100. Use the term tabs above to compare all current national offers.

How to Find the Best CD Rates

What to compare when shopping for a certificate of deposit

To find the best CD APYs, 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. Use the state filter in the tables above to see how local institutions stack up against the national leaders.

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. The current national average 12-month CD APY is 2.988% , but top institutions are offering as high as 6.14%, so shopping around pays off.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You’re building a CD ladder for predictable income with regular access to a portion of your savings

Consider an Alternative If…

  • You may need the funds within 30 days. Compare savings rates instead
  • Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
  • You want check-writing access. Compare money market rates

U.S. Saver Snapshot

National demographics and economic context for CD savers, Source: U.S. Census Bureau

Population 65+
17.3%
U.S. average
Median Individual Earnings
$47,340
U.S. average
Poverty Rate
11.1%
U.S. average
Unemployment Rate
4.8%
U.S. average
CD Earnings on 10% of Salary
$141/yr
At national 12-mo avg 2.988% APY

At today’s national 12-month CD average of 2.988%, saving 10% of the U.S. median salary ($4,734/year) and putting it in a CD would earn an additional $141 annually in guaranteed interest, and the top national offers above pay even more.

Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.

CD Rates vs. Other Savings Options

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of 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 savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

Compare live rates: savings rates · money market rates

CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current top national rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures
—

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.

Top National CD Rates by Term

Verified October 13, 2026. Click a rate to use its term and APY
Highest verified national APY per term. See the term tabs above for all offers, or use the state filter to find rates near you.

Frequently Asked Questions about CD Rates

What is a Certificate of Deposit (CD)?

A Certificate of Deposit (CD) is a savings account that holds a fixed amount of money for a fixed period of time, such as six months, one year, or five years, in exchange for a higher interest rate.

Are CD rates higher than regular savings accounts?

Generally, yes. Because you agree to leave your money in the bank for a set period, banks and credit unions typically offer higher interest rates on CDs compared to standard savings accounts.

Is my money safe in a CD?

Yes. CDs purchased from FDIC-insured banks are insured up to $250,000 per depositor, per institution. CDs at NCUA-insured credit unions carry equivalent protection.

What happens if I withdraw money from a CD early?

If you withdraw funds before the CD's maturity date, you will typically face an early withdrawal penalty, which is often several months of interest depending on the term.

What is APY and how does it differ from the interest rate?

APY (Annual Percentage Yield) reflects the total amount of interest earned in a year, taking compounding into account. The interest rate is the base rate before compounding. APY is always the best number to compare across institutions.

What CD term should I choose?

The right term depends on when you need the money. Short-term CDs (3–6 months) offer flexibility; long-term CDs (3–5 years) often offer higher yields but lock up your funds longer. CD laddering, spreading deposits across multiple terms, is a popular strategy.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates (e.g., 6-month, 1-year, 2-year). As each CD matures, you renew it at the longest term, giving you regular access to a portion of your funds while maximizing yields.

Can I add money to a CD after opening it?

Traditional CDs do not allow additional deposits after the initial opening. However, some institutions offer 'add-on CDs' that permit additional contributions during the term.

CD Calculators

CD Calculator
CD Ladder Calculator
Withdrawal Penalty
CD vs. HYSA

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.

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 13, 2026

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