MonitorBankRates
We Find the Best Rates

Current Certificate of Deposit (CD) Rates Across the United States

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Brian McKay Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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Compare the Best CD Rates

We recommend comparing rates from multiple FDIC-insured banks to ensure you maximize your earnings, whether you are looking for a short-term 6-month CD or a long-term 5-year investment.

Finding the best certificate of deposit (CD) rates is one of the safest ways to grow your savings. Unlike variable accounts, a CD allows you to lock in a high APY for a specific term, protecting your return from market fluctuations.

The following rates reflect recent market quotes and representative offers available to U.S. depositors. CD rates change all the time and may vary by financial institution and market conditions.

Institution
Product
APY
Min Deposit
City Credit Union Independence, MO
3-Month CD
3.90%
$500
▼
Rate
Min Deposit $500
Updated February 11, 2026
Details Minimum balance $500.
Metrowest Community Federal Credit Union Framingham, MA
CD/IRA 3 Month
3.89%
$500
▼
Rate 3.85%
Min Deposit $500
Updated February 15, 2026
Details
MutualOne Bank Natick, MA
3 Month CD
3.87%
$500
▼
Rate 3.80%
Min Deposit $500
Updated February 14, 2026
Details The funds deposited must be new money to the Bank. New Money is defined as deposits not previously held by Mutual One Bank. Interest is paid at maturity
TRONA VALLEY COMMUNITY ROCK SPRINGS, WY
3 Month Certificate
3.85%
$200
▼
Rate 3.80%
Min Deposit $200
Updated February 12, 2026
Details
Mid-Atlantic Federal Credit Union Silver Spring, MD
Share Certificate 3 Month Regular Certificates
3.80%
$1,000
▼
Rate 3.73%
Min Deposit $1,000
Updated February 10, 2026
Details
WebBank Salt Lake City, UT
3 Month CD
3.76%
$0
▼
Rate
Min Deposit $0
Updated February 13, 2026
Details
Mutual Savings Credit Union Hoover, AL Selma, AL
Share/IRA Certificate 3 Month
3.75%
$1,000
▼
Rate
Min Deposit $1,000
Updated February 10, 2026
Details
Signature Federal Credit Union Alexandria, VA
Share and IRA Certificate 3 Month
3.70%
$500
▼
Rate
Min Deposit $500
Updated February 10, 2026
Details
Del Norte Credit Union White Rock, NM
Business Certificates + Minimum Balance 3 month
3.67%
$0
▼
Rate 3.60%
Min Deposit $0
Updated February 10, 2026
Details $100,000; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000.
All In Credit Union Troy, MS
IRA Term Certificate 3 Month Jumbo
3.66%
$100,000
▼
Rate 3.60%
Min Deposit $100,000
Updated February 12, 2026
Details
Park Side Financial Credit Union Whitefish, MT
3-Month Share Certificate
3.65%
$500
▼
Rate 3.59%
Min Deposit $500
Updated February 11, 2026
Details
Goldmark Federal Credit Union Attleboro, MA
Certificate of Deposit and IRA Certificate of Deposit Accounts 3 Month
3.61%
$1,000
▼
Rate 3.55%
Min Deposit $1,000
Updated February 16, 2026
Details
First National Bank of America (FNBA) Traverse City, MI
Certificate of Deposit 3 Month
3.60%
$0
▼
Rate 3.55%
Min Deposit $0
Updated February 13, 2026
Details Grand Rapids
United Credit Union Mexico, MO Vandalia, MO
Regular and IRA Share Certificate 3 Month Special
3.56%
$500
▼
Rate
Min Deposit $500
Updated February 10, 2026
Details Automatically renews into a 6-month certificate upon maturity. For a limited time only.
Capital Credit Union New Salem, ND
Certificate of Deposit 3-Month
3.55%
$0
▼
Rate 3.49%
Min Deposit $0
Updated February 10, 2026
Details
Land Of Lincoln Credit Union Vandalia, IL
Share Certificates (CDs) 3-month - Share Certificates or Greater
3.53%
$50,000
▼
Rate 3.47%
Min Deposit $50,000
Updated February 10, 2026
Details $50,000.00
Kemba Financial Credit Union Westerville, OH
Certificate 3 Month
3.50%
$500
▼
Rate
Min Deposit $500
Updated February 10, 2026
Details KEMBA Advantage APY
Illinois State Credit Union Ottawa, IL
Share Certificate 3 month
3.45%
$500
▼
Rate 3.40%
Min Deposit $500
Updated February 10, 2026
Details
SSB State Street Bank Quincy, IL
CD Specials 90 Day / 3 Month
3.44%
$1,000
▼
Rate 3.40%
Min Deposit $1,000
Updated February 13, 2026
Details
Hanover Community Bank New York, NY
3 Month CD
3.40%
$500
▼
Rate 3.34%
Min Deposit $500
Updated February 13, 2026
Details
Beacon Credit Union Warsaw, IN
Regular Share Certificate 3 Month
3.35%
$1,000
▼
Rate 3.30%
Min Deposit $1,000
Updated February 11, 2026
Details Regular Share Certificates, HSA & IRA Share Certificates
Dakota Community Bank & Trust Taylor, SD
3 Month CD
3.34%
$70,000
▼
Rate 3.30%
Min Deposit $70,000
Updated February 13, 2026
Details
Peoples Bank of Deer Lodge Deer Lodge, MT
90 Day Time CD
3.31%
$100
▼
Rate 3.25%
Min Deposit $100
Updated February 14, 2026
Details
Maine Solutions Federal Credit Union South Portland, ME
Certificate 3 Month
3.30%
$500
▼
Rate 3.25%
Min Deposit $500
Updated February 10, 2026
Details
Minnequa Works Credit Union Pueblo West, CO
Certificates of Deposit 3 Month
3.29%
$500
▼
Rate 3.25%
Min Deposit $500
Updated February 11, 2026
Details
Holy Rosary Credit Union Rochester, NH Rochester, NH
Business Certificates of Deposit 3 Month - Special Offer
3.25%
$1,000
▼
Rate 3.20%
Min Deposit $1,000
Updated February 10, 2026
Details
Dakota Western Bank Scranton, ND
3 Month CD
3.24%
$500
▼
Rate
Min Deposit $500
Updated February 14, 2026
Details
American Bank of Baxter Springs Galena, KS
Certificate of Deposit 3 Month
3.21%
$1,000
▼
Rate 3.17%
Min Deposit $1,000
Updated February 13, 2026
Details
Bank5 Connect Wrentham, RI
3 Month CD
3.20%
$500
▼
Rate 3.15%
Min Deposit $500
Updated February 13, 2026
Details
Heartland State Bank Edgeley, ND Kulm, ND
CD 3 Month
3.19%
$500
▼
Rate 3.15%
Min Deposit $500
Updated February 14, 2026
Details
Tinker Federal Credit Union Yukon, TX
Term Share (Certificate) / IRA 3 Mo.
3.16%
$99,000
▼
Rate 3.12%
Min Deposit $99,000
Updated February 13, 2026
Details
Michigan State University Federal Credit Union Traverse City, MI
3-Month Certificate or IRA-HSA Jumbo
3.15%
$100,000
▼
Rate
Min Deposit $100,000
Updated February 10, 2026
Details
First Financial Credit Union Zuni, NM
3 Month Term Share/IRA Jumbo Certificates
3.14%
$0
▼
Rate 3.10%
Min Deposit $0
Updated February 6, 2026
Details Balance $25,000
First National Bank in Philip Philip, SD
Certificate of Deposit 3 Month
3.13%
$1,000
▼
Rate 3.10%
Min Deposit $1,000
Updated February 14, 2026
Details
RadiFi Credit Union Orange Park, FL
3-Month Term Certificate
3.10%
$0
▼
Rate
Min Deposit $0
Updated February 13, 2026
Details
Inland Valley Federal Credit Union Fontana, CA
90 Day Certificate
3.10%
$90,000
▼
Rate
Min Deposit $90,000
Updated February 15, 2026
Details
Pioneer Federal S&L Dillon, MT
90 Day Certificate
3.09%
$1,000
▼
Rate
Min Deposit $1,000
Updated February 16, 2026
Details
UNCLE Credit Union TRACY, CA
Business Certificate 3 Month
3.08%
$1,500
▼
Rate 3.04%
Min Deposit $1,500
Updated February 10, 2026
Details
Nicolet Bank Wausau, WI
Certificate of Deposit 3 Month
3.05%
$0
▼
Rate 3.02%
Min Deposit $0
Updated February 13, 2026
Details Relationship
Merced School Employees Federal Credit Union Merced, CA
3 Month Term Savings
3.04%
$2,000
▼
Rate 3.00%
Min Deposit $2,000
Updated February 16, 2026
Details $2,000 - $999,999
First National Bank Ames, Iowa West Des Moines, IA
Special Term CDs 3 Month CD
3.03%
$10,000
▼
Rate 3.00%
Min Deposit $10,000
Updated February 13, 2026
Details First National Bank Ames, Iowa
Adrian Bank Butler, MO
Certificates of Deposit 3 Month
3.02%
$0
▼
Rate 3.00%
Min Deposit $0
Updated February 14, 2026
Details
Greater Nevada Credit Union West Wendover, NV
3 Month CD
3.00%
$0
▼
Rate 2.96%
Min Deposit $0
Updated February 6, 2026
Details Minimum Balance $500 (CD)
WeStreet Federal Credit Union Tulsa, OK
3-month Jumbo IRA Certificate
2.95%
$100,000
▼
Rate 2.92%
Min Deposit $100,000
Updated February 16, 2026
Details
Minnesota Power Employees Credit Union Duluth, MN
3 Month Tiered Term Share Certificates & IRA Certificates
2.90%
$500
▼
Rate 2.87%
Min Deposit $500
Updated February 4, 2026
Details Minimum Balance
Kings Federal Credit Union Hanford, CA
3 Month Certificate
2.89%
$75,000
▼
Rate 2.85%
Min Deposit $75,000
Updated February 16, 2026
Details
Ukrainian National Federal Credit Union South Bound Brook, NY
Share Certificate 3 Month
2.88%
$1,000
▼
Rate 2.85%
Min Deposit $1,000
Updated February 16, 2026
Details Early Withdrawal Penalty May Apply
Universal City Studios Credit Union Universal City, CA
Share Certificate 3-Month
2.85%
$50,000
▼
Rate 2.81%
Min Deposit $50,000
Updated February 10, 2026
Details
Bank of Salem MO Salem, MO
Certificate of Deposit & IRA 3 Month
2.83%
$1,000
▼
Rate 2.80%
Min Deposit $1,000
Updated February 14, 2026
Details $50,000.00 - $99,999.99
Connecticut State Employees Credit Union Woodbridge, CT
Certificate 3 Month
2.80%
$500
▼
Rate 2.76%
Min Deposit $500
Updated February 10, 2026
Details APY Effective as of 12/24/25
Institution
Product
APY
Min Deposit
Kelly Community Federal Credit Union Tyler, TX
6 Month IRA Certificate
3.92%
$1,000
▼
Rate 3.85%
Min Deposit $1,000
Updated February 16, 2026
Details
All In Credit Union Troy, MS
IRA Term Certificate 6 Month Jumbo
3.92%
$100,000
▼
Rate 3.85%
Min Deposit $100,000
Updated February 12, 2026
Details
Power Credit Union Trinidad, CO
Share Certificate 6 Month
3.91%
$50,000
▼
Rate 3.85%
Min Deposit $50,000
Updated February 10, 2026
Details ($50,000+)
BayFirst National Bank Tampa, FL
General Rates - 6-Month CD
3.90%
$1,000
▼
Rate
Min Deposit $1,000
Updated February 3, 2026
Details minimum to open
Citizens Bank New Haven, MO Washington, MO
6 Month CD
3.89%
$1,000
▼
Rate 3.85%
Min Deposit $1,000
Updated February 13, 2026
Details Rates are accurate as of January 15th, 2026.
Chemcel Federal Credit Union Pasadena, TX
Mini-Jumbo Share Certificate/IRA 6 Month
3.87%
$25,000
▼
Rate 3.80%
Min Deposit $25,000
Updated February 15, 2026
Details
The Bank of Steinauer Steinauer, NE
Certificate of Deposit 6 Month
3.86%
$500
▼
Rate 3.80%
Min Deposit $500
Updated February 13, 2026
Details
Wheatland Federal Credit Union Landisville, PA
6 Month CD
3.85%
$500
▼
Rate
Min Deposit $500
Updated February 4, 2026
Details $500 minimum deposit to open and earn APY. Penalty for early withdrawal.
Dakota Community Bank & Trust Taylor, SD
6 Month CD
3.84%
$500,000
▼
Rate 3.80%
Min Deposit $500,000
Updated February 13, 2026
Details
Carolinas Telco Federal Credit Union San Diego, SC
IRA Certificate Accounts 6 month
3.82%
$500
▼
Rate 3.75%
Min Deposit $500
Updated February 10, 2026
Details
Heritage South Credit Union Sylacauga, AL
Certificate 6 Month CD
3.81%
$0
▼
Rate 3.75%
Min Deposit $0
Updated February 11, 2026
Details
Minnequa Works Credit Union Pueblo West, CO
Certificates of Deposit 6 Month
3.80%
$500
▼
Rate 3.75%
Min Deposit $500
Updated February 11, 2026
Details
Ravalli County Federal Credit Union Hamilton, MT
Share Certificate 6 Month
3.79%
$500
▼
Rate 3.75%
Min Deposit $500
Updated February 10, 2026
Details
Electrical Federal Credit Union Hoover, CO
Share & IRA Certificate 6 Month Term
3.77%
$1,000
▼
Rate 3.70%
Min Deposit $1,000
Updated February 16, 2026
Details
Strategic Federal Credit Union Sterling, VA
Share Certificate 6 Month
3.76%
$0
▼
Rate 3.70%
Min Deposit $0
Updated February 10, 2026
Details
SEI Federal Credit Union Pocatello, ID
6 Month CD
3.75%
$0
▼
Rate 3.70%
Min Deposit $0
Updated February 4, 2026
Details
Brown Forman Employees Credit Union LOUISVILLE, KY
Share Certificate 6 Month
3.74%
$500
▼
Rate
Min Deposit $500
Updated February 10, 2026
Details
Mohave Community Federal Credit Union Kingman, AZ
Term Certificate 6 Month
3.72%
$0
▼
Rate 3.65%
Min Deposit $0
Updated February 16, 2026
Details over $50,000
First National Bank in New Bremen Wapakoneta, OH
6 Month CD
3.71%
$2,500
▼
Rate 3.65%
Min Deposit $2,500
Updated February 14, 2026
Details
SJP Federal Credit Union Buffalo, NY
6 Month CD
3.70%
$0
▼
Rate
Min Deposit $0
Updated February 4, 2026
Details
Bloom Credit Union Wyoming, MI
Certificate 6 Month CD Special
3.69%
$500
▼
Rate
Min Deposit $500
Updated February 10, 2026
Details
Heartland State Bank Edgeley, ND Kulm, ND
CD 6 Month
3.68%
$500
▼
Rate 3.65%
Min Deposit $500
Updated February 14, 2026
Details
Del Norte Credit Union White Rock, NM
Business Certificates + Minimum Balance 6 month
3.67%
$0
▼
Rate 3.60%
Min Deposit $0
Updated February 10, 2026
Details $100,000; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000.
Advanced Financial Federal Credit Union West Orange, NJ
IRA Traditional SC 6 Month
3.66%
$500
▼
Rate 3.60%
Min Deposit $500
Updated February 4, 2026
Details $500 Minimum opening deposit; $500 Minimum balance to earn dividends.
Prescott Federal Credit Union Prescott, AZ
6 Month CD
3.65%
$0
▼
Rate
Min Deposit $0
Updated February 4, 2026
Details
Institution
Product
APY
Min Deposit
Educational Community Alliance Credit Union Toledo, OH
IRA Certificate 12-Month
3.93%
$0
▼
Rate 3.88%
Min Deposit $0
Updated February 11, 2026
Details
Synergy Federal Credit Union Three Rivers, TX
Share Certificate (1 year)
3.92%
$50,001
▼
Rate 3.85%
Min Deposit $50,001
Updated February 10, 2026
Details
Michigan United Credit Union Waterford, MI
1 Year CD
3.91%
$500
▼
Rate 3.85%
Min Deposit $500
Updated February 10, 2026
Details
Leatherstocking Region Federal Credit Union Cooperstown, NY
IRA Certificates 1 Year
3.90%
$1,000
▼
Rate 3.83%
Min Deposit $1,000
Updated February 4, 2026
Details ($1,000 & Over)
Strategic Federal Credit Union Sterling, VA
Share Certificate 12 Month
3.87%
$0
▼
Rate 3.80%
Min Deposit $0
Updated February 10, 2026
Details
Power Credit Union Trinidad, CO
Share Certificate 1 Year
3.86%
$50,000
▼
Rate 3.80%
Min Deposit $50,000
Updated February 10, 2026
Details ($50,000+)
Minnequa Works Credit Union Pueblo West, CO
Certificates of Deposit 12 Month
3.85%
$500
▼
Rate 3.80%
Min Deposit $500
Updated February 11, 2026
Details
Northrop Grumman Federal Credit Union St Augustine, VA
Bonus Certificate 12 Month
3.84%
$2,500
▼
Rate 3.78%
Min Deposit $2,500
Updated February 16, 2026
Details
Richmond Virginia Fire Police Credit Union Richmond, VA
Saving Certificates 1 Year
3.82%
$500
▼
Rate 3.75%
Min Deposit $500
Updated February 17, 2026
Details Share certificate rates are for renewals only (i.e. no new certificates effective 03/18/20).
United Churches Credit Union Taylor, MI
Jumbo Certificate 1 year
3.81%
$25,000
▼
Rate 3.75%
Min Deposit $25,000
Updated February 10, 2026
Details
Your Best Credit Union Nashville, TN
Share Certificate 1 Year
3.80%
$0
▼
Rate 3.75%
Min Deposit $0
Updated February 11, 2026
Details
Mid-America Bank Wellsville, KS
Certificate of Deposit (CD) & IRA 1 Year
3.79%
$500
▼
Rate 3.75%
Min Deposit $500
Updated February 13, 2026
Details Jumbo APY: 4.04, Jumbo Rate: 4.00
Peoples Bank Lebanon, KY Louisville, KY
12 Month CD
3.78%
$2,500
▼
Rate 3.75%
Min Deposit $2,500
Updated February 16, 2026
Details
Lake Huron Credit Union Saginaw, MI
12 Month CD
3.77%
$0
▼
Rate 3.70%
Min Deposit $0
Updated February 5, 2026
Details of Deposit
Quest Federal Credit Union Upper Sandusky, OH
12 Month Certificate
3.76%
$10,000
▼
Rate
Min Deposit $10,000
Updated February 10, 2026
Details
BayFirst National Bank Tampa, FL
General Rates - 12-Month CD
3.75%
$1,000
▼
Rate
Min Deposit $1,000
Updated February 3, 2026
Details minimum to open
Institution
Product
APY
Min Deposit
American Heritage Federal Credit Union Wayne, PA
Certificate/IRA Certificate 18 Month (Legacy Club)
3.91%
$0
▼
Rate 3.84%
Min Deposit $0
Updated February 15, 2026
Details
MIAMI FIREFIGHTERS Miami, FL
18 Month IRA Share Certificate
3.90%
$1,000
▼
Rate 3.83%
Min Deposit $1,000
Updated February 12, 2026
Details
All In Credit Union Troy, MS
IRA Term Certificate 18 Month Jumbo
3.87%
$100,000
▼
Rate 3.80%
Min Deposit $100,000
Updated February 12, 2026
Details
Skyla Federal Credit Union Spindale, VA
CD 18 month
3.85%
$50,000
▼
Rate
Min Deposit $50,000
Updated February 4, 2026
Details senior $50,000 min. Deposit jumbo cd
FreedomBank Elkader, IA Waukon, IA
Variable Rate IRA 18 Month
3.84%
$100,000
▼
Rate 3.80%
Min Deposit $100,000
Updated February 13, 2026
Details
Cooperative Choice Network Credit Union Springfield, IL
Share 18 Month
3.82%
$0
▼
Rate 3.75%
Min Deposit $0
Updated February 10, 2026
Details
Des Moines Metro Credit Union Des Moines, IA
IRA Share Certificate 18-month
3.81%
$250
▼
Rate 3.75%
Min Deposit $250
Updated February 10, 2026
Details
Alabama State Employees Credit Union Wetumpka, AL
Share Certificate 18 Month
3.80%
$500
▼
Rate 3.75%
Min Deposit $500
Updated February 10, 2026
Details
Mid-America Bank Wellsville, KS
Certificate of Deposit (CD) & IRA 18 Month
3.79%
$500
▼
Rate 3.75%
Min Deposit $500
Updated February 13, 2026
Details Jumbo APY: 4.04, Jumbo Rate: 4.00
Toyota Financial Savings Bank Henderson, NV
CD 18 Month
3.76%
$0
▼
Rate 3.70%
Min Deposit $0
Updated February 14, 2026
Details
Associated Credit Union Of Texas Texas City, TX
Term Share Certificates 18 Month
3.75%
$0
▼
Rate
Min Deposit $0
Updated February 4, 2026
Details
Tendto Credit Union Girard, PA
Share Certificate Special 18-Month Term
3.74%
$200,000
▼
Rate 3.69%
Min Deposit $200,000
Updated February 10, 2026
Details
FSB of Westmoreland Westmoreland, KS
IRA - 18 Month CD
3.73%
$1,000
▼
Rate 3.70%
Min Deposit $1,000
Updated February 13, 2026
Details
Kearney Trust Company Kearney, MO
18 Month Daily Compound CD
3.72%
$0
▼
Rate 3.65%
Min Deposit $0
Updated February 13, 2026
Details
DR Bank Norwalk, CT
General Rates - 18 month CD
3.70%
$500
▼
Rate
Min Deposit $500
Updated February 3, 2026
Details MIN DEPOSIT
Altana Federal Credit Union Sunburst, MT
18 Month Certificates
3.69%
$100,000
▼
Rate 3.63%
Min Deposit $100,000
Updated February 12, 2026
Details Minimum deposit: $100,000+
Rolette State Bank Rolette, ND
18 Month CD
3.68%
$500
▼
Rate 3.65%
Min Deposit $500
Updated February 14, 2026
Details
Lake Huron Credit Union Saginaw, MI
18 Month CD
3.67%
$0
▼
Rate 3.60%
Min Deposit $0
Updated February 5, 2026
Details of Deposit
Strategic Federal Credit Union Sterling, VA
Share Certificate 18 Month
3.66%
$0
▼
Rate 3.60%
Min Deposit $0
Updated February 10, 2026
Details
Mid-Atlantic Federal Credit Union Silver Spring, MD
Share Certificate 18 Month Regular & IRA Accumulator Certificates
3.65%
$250
▼
Rate 3.58%
Min Deposit $250
Updated February 10, 2026
Details
Educational Community Alliance Credit Union Toledo, OH
IRA Certificate 18-Month
3.64%
$0
▼
Rate 3.60%
Min Deposit $0
Updated February 11, 2026
Details
Cencap Federal Credit Union HARTFORD, CT
18 mo. CD
3.61%
$0
▼
Rate 3.55%
Min Deposit $0
Updated February 4, 2026
Details
Generations Community Federal Credit Union San Antonio, TX
Jumbo 18 Month CD
3.60%
$100,000
▼
Rate 3.54%
Min Deposit $100,000
Updated February 4, 2026
Details $100,000 minimum balance
Leighton State Bank Pella, IA
Certificates of Deposits (CDs) 18 Month
3.58%
$0
▼
Rate
Min Deposit $0
Updated February 13, 2026
Details Semi-Annually
Farmway Credit Union Osborne, KS
Share Certificate 18 Month
3.57%
$500
▼
Rate 3.60%
Min Deposit $500
Updated February 16, 2026
Details
Kelly Community Federal Credit Union Tyler, TX
18 Month IRA Certificate
3.56%
$1,000
▼
Rate 3.50%
Min Deposit $1,000
Updated February 16, 2026
Details
HPC Credit Union West Branch, MI
18 MONTH CD
3.55%
$500
▼
Rate
Min Deposit $500
Updated February 10, 2026
Details
Dairy State Bank Wheeler, WI
General Rates - 18-Month CD
3.53%
$30,000
▼
Rate 3.50%
Min Deposit $30,000
Updated February 3, 2026
Details Minimum Balance to Earn APY Interest Rate Annual Percentage Yield (APY) *
Houston Federal Credit Union Sugar Land, TX
Share Certificate Accounts - IRA & Jumbo 18 Month
3.52%
$0
▼
Rate 3.47%
Min Deposit $0
Updated February 16, 2026
Details
Fleur de Lis Federal Credit Union New Orleans, LA
18 Month CD
3.51%
$10
▼
Rate 3.45%
Min Deposit $10
Updated February 4, 2026
Details
Lubbock Telco Federal Credit Union LUBBOCK, TX
18 Month CD
3.50%
$1,000
▼
Rate
Min Deposit $1,000
Updated February 4, 2026
Details Terms (months)
Magnolia Bank Elizabethtown, KY Santa Rosa, OH
Certificates of Deposit 18 Month
3.49%
$500
▼
Rate 3.45%
Min Deposit $500
Updated February 13, 2026
Details Magnolia Bank Elizabethtown, KY
Cross County Savings Bank Middle Village, NY
IRA 18 Month Variable Rate
3.48%
$100
▼
Rate 3.42%
Min Deposit $100
Updated February 13, 2026
Details
Del Norte Credit Union White Rock, NM
Business Certificates + Minimum Balance 18 month
3.46%
$10,000
▼
Rate 3.40%
Min Deposit $10,000
Updated February 10, 2026
Details $1,000; $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000.
Wyrope Williamsport Federal Credit Union S Williamsport, PA
Share Certificate 18 Month
3.45%
$25,000
▼
Rate 3.40%
Min Deposit $25,000
Updated February 16, 2026
Details
San Juan Credit Union MONTICELLO, UT
18 Month Certificate
3.44%
$500
▼
Rate 3.40%
Min Deposit $500
Updated February 17, 2026
Details
Belt Valley Bank Belt, MT
Certificate of Deposit 18 Month
3.42%
$500
▼
Rate 3.38%
Min Deposit $500
Updated February 13, 2026
Details Penalty for early withdrawal may apply.
Prescott Federal Credit Union Prescott, AZ
18 Month CD
3.41%
$0
▼
Rate
Min Deposit $0
Updated February 4, 2026
Details
CASE Credit Union Okemos, MI
IRA TDA 18 Month
3.40%
$500
▼
Rate 3.35%
Min Deposit $500
Updated February 10, 2026
Details $500 Minimum Balance
Holyoke Community Federal Credit Union Imperial, NE
CD 18 month
3.39%
$50,000
▼
Rate 3.35%
Min Deposit $50,000
Updated February 15, 2026
Details
The Bank of Tescott Tescott, KS
Business Certificates of Deposit (CDs) 18 Month
3.36%
$10,000
▼
Rate 3.32%
Min Deposit $10,000
Updated February 14, 2026
Details $10,000+
Sun Community Federal Credit Union Palm Springs, CA
Jumbo 18 Month CD
3.35%
$0
▼
Rate 3.30%
Min Deposit $0
Updated February 4, 2026
Details
Institution
Product
APY
Min Deposit
Synergy Federal Credit Union Three Rivers, TX
IRA Certificate 2 Year
3.92%
$50,001
▼
Rate 3.85%
Min Deposit $50,001
Updated February 10, 2026
Details
Founders Federal Credit Union York, SC
Fixed Rate IRA Certificate 24 Month
3.91%
$500
▼
Rate 3.85%
Min Deposit $500
Updated February 10, 2026
Details
SJP Federal Credit Union Buffalo, NY
24 Month CD
3.90%
$0
▼
Rate
Min Deposit $0
Updated February 4, 2026
Details
Genco Federal Credit Union Woodway, TX
24 Month IRA Certificate
3.89%
$0
▼
Rate 3.84%
Min Deposit $0
Updated February 16, 2026
Details $50,000+
Elements Financial Federal Credit Union Indianapolis, IN
Flex Rate Certificate (Variable Rate) 24 Month Term
3.87%
$0
▼
Rate 3.75%
Min Deposit $0
Updated February 10, 2026
Details
Irving City Employees Federal Credit Union Irving, TX
IRA Share Certificate 24 Month
3.86%
$1,500
▼
Rate 3.80%
Min Deposit $1,500
Updated February 16, 2026
Details
Skyla Federal Credit Union Spindale, VA
CD 24 month
3.85%
$250,000
▼
Rate
Min Deposit $250,000
Updated February 4, 2026
Details $250,000 min. Deposit elite jumbo cd
FreedomBank Elkader, IA Waukon, IA
Variable Rate IRA 24 Month
3.84%
$100,000
▼
Rate 3.80%
Min Deposit $100,000
Updated February 13, 2026
Details
Cooperative Choice Network Credit Union Springfield, IL
Share 24 Month
3.82%
$0
▼
Rate 3.75%
Min Deposit $0
Updated February 10, 2026
Details
Members Credit Union Cleburne, WI
2-year CD Rate
3.81%
$1,000
▼
Rate 3.75%
Min Deposit $1,000
Updated February 11, 2026
Details $1,000
HPC Credit Union West Branch, MI
24 MONTH CD
3.80%
$500
▼
Rate
Min Deposit $500
Updated February 10, 2026
Details
Mid-America Bank Wellsville, KS
Certificate of Deposit (CD) & IRA 24 Month
3.79%
$500
▼
Rate 3.75%
Min Deposit $500
Updated February 13, 2026
Details Jumbo APY: 4.04, Jumbo Rate: 4.00
Peoples Bank Lebanon, KY Louisville, KY
24 Month CD
3.78%
$500
▼
Rate 3.75%
Min Deposit $500
Updated February 16, 2026
Details
All In Credit Union Troy, MS
IRA Term Certificate 24 Month
3.77%
$1,000
▼
Rate 3.70%
Min Deposit $1,000
Updated February 12, 2026
Details
Quest Federal Credit Union Upper Sandusky, OH
24 Month Certificate
3.76%
$1,000
▼
Rate
Min Deposit $1,000
Updated February 10, 2026
Details
Leatherstocking Region Federal Credit Union Cooperstown, NY
IRA Certificates 2 Year
3.75%
$1,000
▼
Rate 3.69%
Min Deposit $1,000
Updated February 4, 2026
Details ( $1,000 & Over)
DC Federal Credit Union Washington, DC
24 Month Share Certificate
3.74%
$100,000
▼
Rate
Min Deposit $100,000
Updated February 16, 2026
Details
Ridgewood Savings Bank Yonkers, NY
2-Year Treasury Indexed CD
3.72%
$100
▼
Rate 3.60%
Min Deposit $100
Updated February 13, 2026
Details
Harris Employees Credit Union Cordele, GA
2 Year Certificate
3.71%
$500
▼
Rate
Min Deposit $500
Updated February 10, 2026
Details
Capitol Credit Union Austin, TX
24 Month IRA Certificate
3.70%
$1,000
▼
Rate 3.70%
Min Deposit $1,000
Updated February 11, 2026
Details
Pentucket Bank Salem, NH
IRA Certificate of Deposit 24 Month
3.68%
$500
▼
Rate 3.68%
Min Deposit $500
Updated February 14, 2026
Details
DOVER PHILA Uhrichsville, OH
Certificate Account 24 Month Certificate
3.67%
$0
▼
Rate 3.60%
Min Deposit $0
Updated February 12, 2026
Details
Strategic Federal Credit Union Sterling, VA
Share Certificate 24 Month
3.66%
$0
▼
Rate 3.60%
Min Deposit $0
Updated February 10, 2026
Details
Toro Employees Federal Credit Union Bloomington, MN
24 month Jumbo Certificate
3.65%
$25,000
▼
Rate 3.60%
Min Deposit $25,000
Updated February 10, 2026
Details
Peoples First Savings Bank Morrow, OH
24 Month IRA (Variable)
3.64%
$100
▼
Rate 3.58%
Min Deposit $100
Updated February 14, 2026
Details
Cencap Federal Credit Union HARTFORD, CT
2 Year CD
3.61%
$0
▼
Rate 3.55%
Min Deposit $0
Updated February 4, 2026
Details
SEI Federal Credit Union Pocatello, ID
24 Month CD
3.60%
$0
▼
Rate 3.55%
Min Deposit $0
Updated February 4, 2026
Details
Cross Valley Federal Credit Union Wilkes Barre, PA
Certificate 24 Month
3.59%
$0
▼
Rate 3.54%
Min Deposit $0
Updated February 10, 2026
Details
Leighton State Bank Pella, IA
Certificates of Deposits (CDs) 2 Year
3.58%
$0
▼
Rate
Min Deposit $0
Updated February 13, 2026
Details Semi-Annually
Houston Federal Credit Union Sugar Land, TX
Share Certificate Accounts - IRA & Jumbo 24 Month
3.57%
$0
▼
Rate 3.52%
Min Deposit $0
Updated February 16, 2026
Details
SunWest Federal Credit Union Tucson, AZ
24 Month CD
3.56%
$500
▼
Rate 3.50%
Min Deposit $500
Updated February 4, 2026
Details $500.00
Tangipahoa Parish Teachers Credit Union Hammond, LA
2 Year CD
3.55%
$1,000
▼
Rate 3.50%
Min Deposit $1,000
Updated February 4, 2026
Details $1,000.00 minimum deposit. Dividends compounded quarterly. Dividends are credited quarterly. None
Thayer County Bank Hebron, NE
24 Month CD
3.54%
$75,000
▼
Rate 3.49%
Min Deposit $75,000
Updated February 14, 2026
Details Minimum deposit $75,000.00 and up
TrustTexas Bank Yorktown, TX
24 Month Jumbo CD Special
3.53%
$100,000
▼
Rate 3.47%
Min Deposit $100,000
Updated February 14, 2026
Details
Dedham Institution for Savings Westwood, MA
24 Month CD
3.51%
$1,000
▼
Rate
Min Deposit $1,000
Updated February 13, 2026
Details Minimum Daily Balance to Earn APY: $1,000 CD/$100 IRA
Lubbock Telco Federal Credit Union LUBBOCK, TX
24 Month CD
3.50%
$1,000
▼
Rate
Min Deposit $1,000
Updated February 4, 2026
Details Terms (months)
Institution
Product
APY
Min Deposit
Synergy Federal Credit Union Three Rivers, TX
IRA Certificate 3 Year
3.92%
$100,001
▼
Rate 3.85%
Min Deposit $100,001
Updated February 10, 2026
Details
1st Street Credit Union Sarasota, FL
36 Month Certificate
3.91%
$150,000
▼
Rate
Min Deposit $150,000
Updated February 17, 2026
Details
MERCK SHARP and DOHME West Point, PA
Jumbo Certificate 36-Month
3.90%
$0
▼
Rate 3.83%
Min Deposit $0
Updated February 12, 2026
Details
Gardiner Federal Credit Union Gardiner, ME
Individual Retirement Account (IRA) Certificates & Share Certificates 36 Month
3.87%
$0
▼
Rate 3.80%
Min Deposit $0
Updated February 16, 2026
Details
LCNB National Bank Worthington, OH
3 Year Brokered CD
3.85%
$20,000
▼
Rate
Min Deposit $20,000
Updated February 13, 2026
Details Morgan Stanley; Maturity 02/20/2029
FSB of Westmoreland Westmoreland, KS
36 Month CD
3.84%
$1,000
▼
Rate 3.80%
Min Deposit $1,000
Updated February 13, 2026
Details
Southcoast Federal Credit Union Wareham, MA
Share/IRA Certificate 3 Year
3.82%
$500
▼
Rate 3.75%
Min Deposit $500
Updated February 10, 2026
Details
Members Credit Union Cleburne, WI
3-year CD Rate
3.81%
$1,000
▼
Rate 3.75%
Min Deposit $1,000
Updated February 11, 2026
Details $1,000+
Cedar Falls Community Credit Union Waverly, IA
Jumbo 36 Month Certificates
3.80%
$100,000
▼
Rate 3.75%
Min Deposit $100,000
Updated February 6, 2026
Details Minimum – Penalty for Early Withdrawal Certificate Term Dividend Rate APY² 36 months
FreedomBank Elkader, IA Waukon, IA
Variable Rate IRA 36 Month
3.79%
$100,000
▼
Rate 3.75%
Min Deposit $100,000
Updated February 13, 2026
Details
Peoples Bank Lebanon, KY Louisville, KY
36 Month CD
3.78%
$500
▼
Rate 3.75%
Min Deposit $500
Updated February 16, 2026
Details
All In Credit Union Troy, MS
IRA Term Certificate 36 Month
3.77%
$1,000
▼
Rate 3.70%
Min Deposit $1,000
Updated February 12, 2026
Details
Quest Federal Credit Union Upper Sandusky, OH
36 Month Certificate
3.76%
$75,000
▼
Rate
Min Deposit $75,000
Updated February 10, 2026
Details
Skyla Federal Credit Union Spindale, VA
CD 36 month
3.75%
$250,000
▼
Rate
Min Deposit $250,000
Updated February 4, 2026
Details $250,000 min. Deposit elite jumbo cd
Northrop Grumman Federal Credit Union St Augustine, VA
Bonus Certificate 36 Month
3.71%
$40,000
▼
Rate 3.65%
Min Deposit $40,000
Updated February 16, 2026
Details
Federal Employees Credit Union Birmingham, AL
36 Month IRA
3.70%
$500
▼
Rate 3.70%
Min Deposit $500
Updated February 10, 2026
Details
Big Horn Federal Savings Bank Worland, WY
3 year CD
3.69%
$500
▼
Rate 3.62%
Min Deposit $500
Updated February 14, 2026
Details
Central Maine Federal Credit Union Lewiston, ME
Wealth Builder IRA Share Certificate 36 Month Term
3.67%
$1,000
▼
Rate 3.60%
Min Deposit $1,000
Updated February 15, 2026
Details
Strategic Federal Credit Union Sterling, VA
Share Certificate 36 Month
3.66%
$0
▼
Rate 3.60%
Min Deposit $0
Updated February 10, 2026
Details
Toro Employees Federal Credit Union Bloomington, MN
36 month Certificate
3.65%
$500
▼
Rate 3.60%
Min Deposit $500
Updated February 10, 2026
Details
Houston Federal Credit Union Sugar Land, TX
Share Certificate Accounts - IRA & Jumbo 36 Month
3.62%
$0
▼
Rate 3.57%
Min Deposit $0
Updated February 16, 2026
Details
Homebase Federal Credit Union Prince George, VA
Share Certificate / IRA Certificate 36 Month
3.61%
$0
▼
Rate 3.55%
Min Deposit $0
Updated February 16, 2026
Details
Mid-Atlantic Federal Credit Union Silver Spring, MD
Share Certificate 3 Year Regular & IRA Certificates
3.60%
$1,000
▼
Rate 3.54%
Min Deposit $1,000
Updated February 10, 2026
Details
Richmond Virginia Fire Police Credit Union Richmond, VA
Saving Certificates 3 Year
3.56%
$500
▼
Rate 3.50%
Min Deposit $500
Updated February 17, 2026
Details Share certificate rates are for renewals only (i.e. no new certificates effective 03/18/20).
Telhio Credit Union Worthington, OH
36 Month Telhio CD
3.55%
$500
▼
Rate 3.50%
Min Deposit $500
Updated February 6, 2026
Details Minimum Deposit
Tendto Credit Union Girard, PA
IRA Certificate 36 Month
3.54%
$200,000
▼
Rate 3.49%
Min Deposit $200,000
Updated February 10, 2026
Details
Dakota Community Bank & Trust Taylor, SD
IRA 36 Month
3.53%
$100
▼
Rate 3.50%
Min Deposit $100
Updated February 13, 2026
Details
Advanced Financial Federal Credit Union West Orange, NJ
IRA Roth or Traditional SC 36 Month
3.51%
$500
▼
Rate 3.45%
Min Deposit $500
Updated February 4, 2026
Details $500 Minimum opening deposit; $500 Minimum balance to earn dividends.
SEI Federal Credit Union Pocatello, ID
36 Month CD
3.50%
$0
▼
Rate 3.45%
Min Deposit $0
Updated February 4, 2026
Details
Port Richmond Savings Philadelphia, PA
Certificates of Deposit 36 month
3.49%
$500
▼
Rate 3.43%
Min Deposit $500
Updated February 13, 2026
Details
Raritan State Bank Raritan, IL
36 Month CD
3.46%
$5,000
▼
Rate 3.40%
Min Deposit $5,000
Updated February 14, 2026
Details Daily Balances: $5,000.00 - and up
Wyrope Williamsport Federal Credit Union S Williamsport, PA
Share Certificate 3 Year
3.45%
$0
▼
Rate 3.40%
Min Deposit $0
Updated February 16, 2026
Details
Institution
Product
APY
Min Deposit
Synergy Federal Credit Union Three Rivers, TX
IRA Certificate (4 year)
3.92%
$250,001
▼
Rate 3.85%
Min Deposit $250,001
Updated February 10, 2026
Details
American United Federal Credit Union West Valley City, UT
Certificate 48-month
3.90%
$500
▼
Rate 3.83%
Min Deposit $500
Updated February 16, 2026
Details
All In Credit Union Troy, MS
IRA Term Certificate 48 Month
3.87%
$1,000
▼
Rate 3.80%
Min Deposit $1,000
Updated February 12, 2026
Details
Sun Community Federal Credit Union Palm Springs, CA
Jumbo 48 Month CD
3.85%
$0
▼
Rate 3.78%
Min Deposit $0
Updated February 4, 2026
Details
Grant County Bank Ulysses, KS
IRA Certificate 4 Year
3.84%
$100
▼
Rate 3.81%
Min Deposit $100
Updated February 16, 2026
Details Daily Balance: $100,000+
Fremont Federal Credit Union Woodville, OH
Regular/IRA Share Certificate 48 Month
3.82%
$1,000
▼
Rate 3.75%
Min Deposit $1,000
Updated February 15, 2026
Details
American Heritage Federal Credit Union Wayne, PA
Certificate/IRA Certificate 48 Month
3.81%
$0
▼
Rate 3.75%
Min Deposit $0
Updated February 15, 2026
Details
HERCULES FIRST Taylorsville, UT
4 Year Certificate
3.80%
$1,000
▼
Rate 3.75%
Min Deposit $1,000
Updated February 12, 2026
Details
FreedomBank Elkader, IA Waukon, IA
Variable Rate IRA 48 Month
3.79%
$100,000
▼
Rate 3.75%
Min Deposit $100,000
Updated February 13, 2026
Details
Big Horn Federal Savings Bank Worland, WY
4 year CD
3.77%
$500
▼
Rate 3.70%
Min Deposit $500
Updated February 14, 2026
Details
Wyrope Williamsport Federal Credit Union S Williamsport, PA
Share Certificate 4 Year
3.76%
$25,000
▼
Rate 3.70%
Min Deposit $25,000
Updated February 16, 2026
Details
Select Federal Credit Union SAN ANTONIO, TX
Share Certificates 48-Month
3.75%
$0
▼
Rate 3.69%
Min Deposit $0
Updated February 3, 2026
Details
FSB of Westmoreland Westmoreland, KS
48 Month CD
3.73%
$1,000
▼
Rate 3.70%
Min Deposit $1,000
Updated February 13, 2026
Details
Central Maine Federal Credit Union Lewiston, ME
Wealth Builder IRA Share Certificate 48 Month Term
3.72%
$1,000
▼
Rate 3.65%
Min Deposit $1,000
Updated February 15, 2026
Details
Alabama One Credit Union Wadley, AL
Certificate IRA (Traditional & Roth) 48 Month
3.70%
$0
▼
Rate 3.65%
Min Deposit $0
Updated February 11, 2026
Details
Iowa State Bank Clarksville, IA Parkersburg, IA
Time Certificate 48 Month
3.69%
$5,000
▼
Rate 3.66%
Min Deposit $5,000
Updated February 16, 2026
Details Iowa State Bank Clarksville, IA
Peoples Bank Lebanon, KY Louisville, KY
48 Month CD
3.68%
$500
▼
Rate 3.65%
Min Deposit $500
Updated February 16, 2026
Details
Bay Federal Credit Union Watsonville, CA
Certificate 4-Year
3.67%
$100,000
▼
Rate 3.60%
Min Deposit $100,000
Updated February 16, 2026
Details
Strategic Federal Credit Union Sterling, VA
Share Certificate 48 Month
3.66%
$0
▼
Rate 3.60%
Min Deposit $0
Updated February 10, 2026
Details
Long Reach Federal Credit Union West Union, WV
Certificate 48 Month
3.65%
$500
▼
Rate 3.60%
Min Deposit $500
Updated February 10, 2026
Details Paid Monthly
Houston Federal Credit Union Sugar Land, TX
Share Certificate Accounts - IRA & Jumbo 48 Month
3.62%
$0
▼
Rate 3.57%
Min Deposit $0
Updated February 16, 2026
Details
Members Advantage Credit Union Michigan City, IN Portage, IN
48 Mo. Certificate
3.61%
$0
▼
Rate
Min Deposit $0
Updated February 11, 2026
Details Rates as of 01/02/2026Deposit | Members Advantage Credit Union Michigan City, IN
Telhio Credit Union Worthington, OH
48 Month Telhio CD
3.60%
$500
▼
Rate 3.54%
Min Deposit $500
Updated February 6, 2026
Details Minimum Deposit
Warren-Boynton State Bank Springfield, IL
48 Month CD
3.58%
$1,000
▼
Rate 3.55%
Min Deposit $1,000
Updated February 14, 2026
Details
Farm Credit Employees Federal Credit Union Saint Paul, MN
48 Month Share Certificates
3.56%
$0
▼
Rate 3.50%
Min Deposit $0
Updated February 4, 2026
Details ($1,000 Minimum)
Mid-Atlantic Federal Credit Union Silver Spring, MD
Share Certificate 4 Year Regular & IRA Certificates
3.55%
$1,000
▼
Rate 3.49%
Min Deposit $1,000
Updated February 10, 2026
Details
Thayer County Bank Hebron, NE
48 Month CD
3.54%
$75,000
▼
Rate 3.49%
Min Deposit $75,000
Updated February 14, 2026
Details Minimum deposit $75,000.00 and up
Cornerstone State Bank Montgomery, MN
IRA 36-48 month C.D.
3.53%
$500
▼
Rate 3.50%
Min Deposit $500
Updated February 13, 2026
Details
Advanced Financial Federal Credit Union West Orange, NJ
IRA Roth or Traditional SC 48 Month
3.51%
$500
▼
Rate 3.45%
Min Deposit $500
Updated February 4, 2026
Details $500 Minimum opening deposit; $500 Minimum balance to earn dividends.
Miami University Community Federal Credit Union Oxford, OH
CD 48 Month
3.50%
$1,000
▼
Rate 3.49%
Min Deposit $1,000
Updated February 4, 2026
Details Low minimum deposit of $1,000 to open a CD
Port Richmond Savings Philadelphia, PA
Certificates of Deposit 48 month
3.49%
$500
▼
Rate 3.43%
Min Deposit $500
Updated February 13, 2026
Details
Tinker Federal Credit Union Yukon, TX
Term Share (Certificate) / IRA 48 Mo.
3.46%
$99,000
▼
Rate 3.41%
Min Deposit $99,000
Updated February 13, 2026
Details
Greater Nevada Credit Union West Wendover, NV
48 Month CD
3.45%
$0
▼
Rate 3.40%
Min Deposit $0
Updated February 6, 2026
Details Minimum Balance $500 (CD)
SSB West Des Moines, IA West Des Moines, IA
Certificates of Deposit 48 Month
3.44%
$10,000
▼
Rate 3.40%
Min Deposit $10,000
Updated February 13, 2026
Details Minimum Deposit $10,000 to $49,999.99 | SSB West Des Moines, IA
Vermont State Bank Vermont, IL
48 month CD and over
3.43%
$100,000
▼
Rate 3.40%
Min Deposit $100,000
Updated February 15, 2026
Details $100,000
Friendship State Bank Vevay, IN
Individual Retirement Account 48 Month CD
3.41%
$500
▼
Rate 3.35%
Min Deposit $500
Updated February 14, 2026
Details
SEI Federal Credit Union Pocatello, ID
48 Month CD
3.40%
$0
▼
Rate 3.36%
Min Deposit $0
Updated February 4, 2026
Details
Preferred Credit Union Ludington, MI
48 Month CD
3.39%
$0
▼
Rate
Min Deposit $0
Updated February 5, 2026
Details $10,000 or more IRA CDs
Columbus Bank and Trust Company Columbus, NE
48 Month Youth Saver CD
3.36%
$100
▼
Rate 3.36%
Min Deposit $100
Updated February 14, 2026
Details $100 - $19,999.99
Cencap Federal Credit Union HARTFORD, CT
4 Year CD
3.35%
$0
▼
Rate 3.30%
Min Deposit $0
Updated February 4, 2026
Details
First Citizens Bank Mason City, IA Osage, MN
48-Month Term
3.34%
$5,000
▼
Rate 3.30%
Min Deposit $5,000
Updated February 13, 2026
Details First Citizens Bank Mason City, IA. Minimum deposit of $5,000
Panhandle Federal Credit Union Winfield, KS
Share Certificate 48 Month CD
3.33%
$25,000
▼
Rate
Min Deposit $25,000
Updated February 16, 2026
Details $25,000 - $75,000
Virginia Credit Union Richmond, VA
48 month certificate
3.31%
$5,000
▼
Rate 3.26%
Min Deposit $5,000
Updated February 17, 2026
Details
Quest Federal Credit Union Upper Sandusky, OH
48 Month Certificate
3.30%
$10,000
▼
Rate
Min Deposit $10,000
Updated February 10, 2026
Details
Institution
Product
APY
Min Deposit
All In Credit Union Troy, MS
IRA Term Certificate 60 Month Jumbo
3.92%
$100,000
▼
Rate 3.85%
Min Deposit $100,000
Updated February 12, 2026
Details
Unity Catholic Federal Credit Union Parma, OH
IRA Share Certificate (5 Year)
3.91%
$0
▼
Rate 3.85%
Min Deposit $0
Updated February 15, 2026
Details
KS StateBank Wichita, KS
5 Year CD
3.90%
$500
▼
Rate 3.84%
Min Deposit $500
Updated February 13, 2026
Details
Synergy Federal Credit Union Three Rivers, TX
IRA Certificate (5 year)
3.87%
$250,001
▼
Rate 3.80%
Min Deposit $250,001
Updated February 10, 2026
Details
Sun Community Federal Credit Union Palm Springs, CA
Jumbo 60 Month CD
3.85%
$0
▼
Rate 3.78%
Min Deposit $0
Updated February 4, 2026
Details See Certificates page for full details
Chemcel Federal Credit Union Pasadena, TX
Jumbo Share Certificate/IRA 5 Year
3.82%
$75,000
▼
Rate 3.75%
Min Deposit $75,000
Updated February 15, 2026
Details
Members Credit Union Cleburne, WI
5-year CD Rate
3.81%
$1,000
▼
Rate 3.75%
Min Deposit $1,000
Updated February 11, 2026
Details $1,000+
Federal Employees Credit Union Birmingham, AL
60 Month IRA
3.80%
$500
▼
Rate 3.80%
Min Deposit $500
Updated February 10, 2026
Details
FreedomBank Elkader, IA Waukon, IA
Variable Rate IRA 60 Month
3.79%
$100,000
▼
Rate 3.75%
Min Deposit $100,000
Updated February 13, 2026
Details
Houston Federal Credit Union Sugar Land, TX
Share Certificate Accounts - IRA & Jumbo 60 Month
3.77%
$0
▼
Rate 3.72%
Min Deposit $0
Updated February 16, 2026
Details
Diamond Credit Union Wyomissing, PA
Health Savings Share Certificate 60 month
3.76%
$1,000
▼
Rate
Min Deposit $1,000
Updated February 11, 2026
Details
Select Federal Credit Union SAN ANTONIO, TX
Share Certificates 60-Month
3.75%
$500
▼
Rate 3.68%
Min Deposit $500
Updated February 3, 2026
Details
Dakota Community Bank & Trust Taylor, SD
IRA 60 Month
3.73%
$100
▼
Rate 3.70%
Min Deposit $100
Updated February 13, 2026
Details
Central Maine Federal Credit Union Lewiston, ME
Wealth Builder IRA Share Certificate 60 Month Term
3.72%
$1,000
▼
Rate 3.65%
Min Deposit $1,000
Updated February 15, 2026
Details
Enterprise Bank Allison Park, PA Allison Park, PA
Certificates of Deposit/IRA 5 Year CD
3.71%
$0
▼
Rate 3.65%
Min Deposit $0
Updated February 16, 2026
Details Allison Park, PA
Long Reach Federal Credit Union West Union, WV
Certificate 60 Month
3.70%
$500
▼
Rate 3.64%
Min Deposit $500
Updated February 10, 2026
Details Paid Monthly
Big Horn Federal Savings Bank Worland, WY
5 year CD
3.69%
$500
▼
Rate 3.62%
Min Deposit $500
Updated February 14, 2026
Details
Tendto Credit Union Girard, PA
IRA Certificate 60 Month
3.68%
$200,000
▼
Rate 3.63%
Min Deposit $200,000
Updated February 10, 2026
Details
Strategic Federal Credit Union Sterling, VA
Share Certificate 60 Month
3.66%
$0
▼
Rate 3.60%
Min Deposit $0
Updated February 10, 2026
Details
Telhio Credit Union Worthington, OH
60 Month Telhio CD
3.65%
$500
▼
Rate 3.59%
Min Deposit $500
Updated February 6, 2026
Details Minimum Deposit
Warren-Boynton State Bank Springfield, IL
60 Month CD
3.63%
$1,000
▼
Rate 3.60%
Min Deposit $1,000
Updated February 14, 2026
Details
Members Advantage Credit Union Michigan City, IN Portage, IN
60 Mo. Certificate
3.61%
$0
▼
Rate
Min Deposit $0
Updated February 11, 2026
Details Rates as of 01/02/2026Deposit | Members Advantage Credit Union Michigan City, IN
Public Safety Credit Union Overland Park, MO
5 Year CD
3.60%
$500
▼
Rate 3.54%
Min Deposit $500
Updated February 5, 2026
Details Minimum required deposit is 1. of Deposit (CD) Available as a Share CD or IRA CD 1.5 Year
Inland Valley Federal Credit Union Fontana, CA
5 Year Certificate
3.59%
$50,000
▼
Rate
Min Deposit $50,000
Updated February 15, 2026
Details
SunWest Federal Credit Union Tucson, AZ
60 Month CD
3.56%
$500
▼
Rate 3.50%
Min Deposit $500
Updated February 4, 2026
Details $500.00
Mid-Atlantic Federal Credit Union Silver Spring, MD
Share Certificate 5 Year Regular & IRA Certificates
3.55%
$1,000
▼
Rate 3.49%
Min Deposit $1,000
Updated February 10, 2026
Details
Southeast Michigan State Employees Federal Credit Union West Bloomfield, MI
IRA Certificate 60 Month
3.54%
$0
▼
Rate 3.50%
Min Deposit $0
Updated February 16, 2026
Details
Vermont State Bank Vermont, IL
60 month CD and over
3.53%
$100,000
▼
Rate 3.50%
Min Deposit $100,000
Updated February 15, 2026
Details $100,000
Advanced Financial Federal Credit Union West Orange, NJ
IRA Roth or Traditional SC 60 Month
3.51%
$500
▼
Rate 3.45%
Min Deposit $500
Updated February 4, 2026
Details $500 Minimum opening deposit; $500 Minimum balance to earn dividends.
Miami University Community Federal Credit Union Oxford, OH
CD 60 Month
3.50%
$1,000
▼
Rate 3.49%
Min Deposit $1,000
Updated February 4, 2026
Details Low minimum deposit of $1,000 to open a CD
Advanz Federal Credit Union Louisville, KY
Certificate 60 Month
3.49%
$0
▼
Rate 3.45%
Min Deposit $0
Updated February 10, 2026
Details
Fort Worth City Credit Union Fort Worth, TX
60-Month IRA Certificate of Deposit
3.47%
$0
▼
Rate 3.42%
Min Deposit $0
Updated February 10, 2026
Details
US Community Credit Union Nashville, TN
IRA 5 Year Certificate
3.46%
$500
▼
Rate
Min Deposit $500
Updated February 11, 2026
Details Regular IRA ($500 - $49,999.99)
Michigan State University Federal Credit Union Traverse City, MI
5-Year Certificate or IRA-HSA
3.45%
$500
▼
Rate
Min Deposit $500
Updated February 10, 2026
Details
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. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

Rate Data Aggregation: We gather CD rates from banks and credit unions nationwide using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

National Coverage: The rates displayed on this page represent offers from institutions across the United States. We feature both large national banks and smaller regional credit unions to help you find the highest yield for your deposit.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with the specific financial institution's official website for the most current offers and terms.

Frequently Asked Questions

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.

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 typically offer higher interest rates.

Is my money safe in a CD?

Yes. CDs purchased from FDIC-insured banks are insured up to $250,000 per depositor.

What happens if I withdraw money from a CD early?

If you withdraw funds from a CD before its maturity date, you will typically face an early withdrawal penalty.

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