MonitorBankRates
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Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
CD Rate Trends

Georgetown, California Best CD Rates September 2026

Current Georgetown, California CD rates include Schools Federal Credit UnionSchools Federal Credit UnionA+5.0 ★Texas Ratio: 1.69%Real return: +3.10%APY minus CPI (February 2026) offering Relationship Certificate (12 months) at 5.90% APY, Habib American HAB BankHabib American HAB BankA+5.0 ★Texas Ratio: 5.54%Real return: +1.70%APY minus CPI (February 2026) offering 12 Month Certificate at 4.50% APY, Educational Employees Credit UnionEducational Employees Credit UnionA+5.0 ★Texas Ratio: 0.57%Real return: +1.70%APY minus CPI (February 2026) offering Share Saver Certificate - 12-Month Term ($500) at 4.50% APY, Corazo Credit UnionCorazo Credit UnionA5.0 ★Texas Ratio: 9.00%Real return: +1.70%APY minus CPI (February 2026) offering 60 Month Certificate at 4.50% APY, and United Fidelity BankUnited Fidelity BankA+5.0 ★Texas Ratio: 2.56%Real return: +1.60%APY minus CPI (February 2026) offering 12-Month CD at 4.40% APY. CD rates as of September 16, 2026 according to verified data from MonitorBankRates.

Georgetown is a smaller community with no bank or credit union branches currently in our database. 744 institutions serving the California area are available to Georgetown residents, with CD rates as high as 5.90% APY from Schools Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.

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: September 16, 2026

Compare Best CD Rates in Georgetown, California & the Surrounding Area

Georgetown 3 Month CD Rates

National 3 Month CD Average2.04% APY▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3 Month Certificate
$0
4.50% ▲ 2.46% above national avg
Rate4.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 2.46% above avg
Details

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.32% ▲ 2.28% above national avg
Rate4.25%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 2.28% above avg
Details

APY* Assumes no compounding, interest paid annually or at maturity.

CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
5-year Term Share Certificate - 3 Months
$500
4.00% ▲ 1.96% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.04%▲ 1.96% above avg
Details

Term: 3 Months with **Epic Premium Checking

Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
3-Month CD
$0
3.80% ▲ 1.76% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 15, 2026
National Average2.04%▲ 1.76% above avg
Details

Credit Union of Southern California
3 month Certificate
$500
3.75% ▲ 1.71% above national avg
Rate3.69%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.71% above avg
Details

Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
3-Months CD
$1,000
3.70% ▲ 1.66% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.66% above avg
Details

The fixed interest rate is applied until maturity. This account pays simple interest. Interest is not compounded. Interest will be credited to your account at maturity. The account will be renewed automatically with interest rate determined at the time of maturity. Penalty will or may be imposed for early withdrawal. Please see the Bank's current fee schedule.

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Business Liquid Certificate
$0
3.65% ▲ 1.61% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.61% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Liquid Certificate
$0
3.65% ▲ 1.61% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.61% above avg
Details

Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
3 Month IRA Pick-A-Term
$0
3.60% ▲ 1.56% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.56% above avg
Details

Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
3 Month Pick-A-Term
$0
3.60% ▲ 1.56% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.56% above avg
Details

Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
3 Month Share Certificate
$0
3.60% ▲ 1.56% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.56% above avg
Details

City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month CD
$1,000
3.50% ▲ 1.46% above national avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 8, 2026
National Average2.04%▲ 1.46% above avg
Details

City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month IRA CD (91-Day)
$1,000
3.50% ▲ 1.46% above national avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 8, 2026
National Average2.04%▲ 1.46% above avg
Details

EverTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
3 Month Certificate
$0
3.50% ▲ 1.46% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 8, 2026
National Average2.04%▲ 1.46% above avg
Details

Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
3 Month Certificate
$500
3.50% ▲ 1.46% above national avg
Rate3.44%
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.04%▲ 1.46% above avg
Details

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
3 Month Term Certificate
$1,000
3.50% ▲ 1.46% above national avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.04%▲ 1.46% above avg
Details

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
Share Certificates - 3 Month
$1,000
3.50% ▲ 1.46% above national avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.04%▲ 1.46% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Business Certificates
$0
3.50% ▲ 1.46% above national avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.46% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Certificate
$0
3.50% ▲ 1.46% above national avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.46% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Consumer Certificates
$0
3.50% ▲ 1.46% above national avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.46% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Jumbo Certificates or more) - 3 Month
$0
3.50% ▲ 1.46% above national avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.46% above avg
Details

$95,000

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Jumbo Consumer Certificates and Jumbo IRA Certificates - 3 Month
$0
3.50% ▲ 1.46% above national avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.46% above avg
Details

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
3 Month Share Certificates - Jumbo
$0
3.50% ▲ 1.46% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.46% above avg
Details

Over $90,000

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
3 Month Share Certificates - Gold Minimum
$0
3.45% ▲ 1.41% above national avg
Rate3.39%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.41% above avg
Details

$50,000

Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
Certificate Account and IRA Account: 90 Days
$0
3.41% ▲ 1.37% above national avg
Rate3.34%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.37% above avg
Details

Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
Certificate Account and IRA Account: Fixed Rate - 90 Days
$0
3.41% ▲ 1.37% above national avg
Rate3.34%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.37% above avg
Details

EverTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
3 Month Certificate
$0
3.40% ▲ 1.36% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedSep 8, 2026
National Average2.04%▲ 1.36% above avg
Details

San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
3 Month Share Certificate
$0
3.40% ▲ 1.36% above national avg
Rate3.36%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.36% above avg
Details

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Share Certificates - Silver Minimum - 3 month
$0
3.40% ▲ 1.36% above national avg
Rate3.34%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.36% above avg
Details

$20,000

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
3 Month Share Certificates
$0
3.35% ▲ 1.31% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.31% above avg
Details

EverTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
3 Month Certificate
$0
3.30% ▲ 1.26% above national avg
Rate3.26%
Min Deposit$0
Min Balance
Verified and UpdatedSep 8, 2026
National Average2.04%▲ 1.26% above avg
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Month Certificate
$0
3.30% ▲ 1.26% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.26% above avg
Details

Summit State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.48%
90 Day Certificate
$10,000
3.27% ▲ 1.23% above national avg
Rate3.22%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 8, 2026
National Average2.04%▲ 1.23% above avg
Details

Murphy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
3 Month Fixed Rate Certificate of Deposit (CD)
$0
3.25% ▲ 1.21% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.21% above avg
Details

Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
3 Month Emergency Fund Certificate
$0
3.25% ▲ 1.21% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.21% above avg
Details

Maximum Certificate balance: $2,500

Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
3-Month Emergency Fund Certificate
$0
3.25% ▲ 1.21% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.21% above avg
Details

USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
3 Month Share Certificates
$0
3.25% ▲ 1.21% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.21% above avg
Details

La Loma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
3 Month Share Certificates
$0
3.15% ▲ 1.11% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.11% above avg
Details

Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
Certificate Account and IRA Account: 90 Days ($1,000)
$0
3.15% ▲ 1.11% above national avg
Rate3.10%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.11% above avg
Details

Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
Certificate Account and IRA Account: 90 Days ($100,000)
$0
3.15% ▲ 1.11% above national avg
Rate3.10%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.11% above avg
Details

Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
Certificate Account and IRA Account: Fixed Rate - 90 Days
$0
3.15% ▲ 1.11% above national avg
Rate3.10%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.11% above avg
Details

Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 Month Certificate
$0
3.14% ▲ 1.10% above national avg
Rate3.10%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.10% above avg
Details

Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
90 DAY CERTIFICATE
$90,000
3.10% ▲ 1.06% above national avg
Rate
Min Deposit$90,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.06% above avg
Details

Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
3 Month Term Certificates
$0
3.10% ▲ 1.06% above national avg
Rate3.06%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.06% above avg
Details

Georgetown 6 Month CD Rates

National 6 Month CD Average2.75% APY▲ 0.08% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6 Month Certificate
$0
4.50% ▲ 1.75% above national avg
Rate4.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.75% above avg
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6-Month CD
$1,000
4.35% ▲ 1.60% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.75%▲ 1.60% above avg
Details

Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
6 Month Certificate - $500
$500
4.25% ▲ 1.50% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.50% above avg
Details

Summer CD Specials. Terms and conditions may vary by account. All regular certificates can be opened as IRA certificates, unless otherwise noted.

Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
6 Month Certificate - 6 months
$0
4.25% ▲ 1.50% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.50% above avg
Details

Minimum balance for all Certificates and IRA Certificates is $500.

Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Term Certificates - 6 months
$0
4.25% ▲ 1.50% above national avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.50% above avg
Details

Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
6 Month Birthday Promo
$500
4.25% ▲ 1.50% above national avg
Rate4.17%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.50% above avg
Details

Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
6 Month Consumer Certificate of Deposit
$500
4.20% ▲ 1.45% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.45% above avg
Details

3Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.

SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
6 Month "New Money" CD
$1,000
4.15% ▲ 1.40% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.40% above avg
Details

New Money is defined as funds not currently on deposit. Early withdrawal penalties may apply.

San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
6 Month Share Certificate
$0
4.10% ▲ 1.35% above national avg
Rate4.04%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.35% above avg
Details

Fontana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
6 Month Certificate
$0
4.07% ▲ 1.32% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.32% above avg
Details

Citizens National Bank of Texas
Institution Rating:
A5.0 ★Texas Ratio: 12.03%
6 month CDs
$1,000
4.04% ▲ 1.29% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.29% above avg
Details

APYs are current as of 9/9/2025. Rates are subject to change. A penalty may be assessed for early withdrawal.

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.04% ▲ 1.29% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.29% above avg
Details

APY* Assumes no compounding, interest paid annually or at maturity.

City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Special 6-Month Fixed Rate
$0
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details

1

Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
6 Month Business Term Certificate Promo
$0
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details

CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
5-year Term Share Certificate - 6 Months
$500
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.25% above avg
Details

Term: 6 Months with **Epic Premium Checking

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
6-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.25% above avg
Details

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month Share Certificate - 6 months
$0
4.00% ▲ 1.25% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details

Under $50,000; Dividends Paid at Maturity

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month Share Certificate - 6 months ($50,000 & up)
$0
4.00% ▲ 1.25% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details

Dividends Paid Monthly

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month Share Certificate - 6 months (Under $50,000)
$0
4.00% ▲ 1.25% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details

Dividends Paid at Maturity

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
6-Month Promotional IRA Share Certificate
$0
4.00% ▲ 1.25% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details

Credit Union of Southern California
6 month Certificate
$500
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
6-month Certificate
$0
3.90% ▲ 1.15% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.15% above avg
Details

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
6-Month Add-On Promotional Share Certificate
$0
3.90% ▲ 1.15% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.15% above avg
Details

Additional deposits up to the initial opening deposit amount can be made at any time without penalty.

Bank of the Orient
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
6-Month CD
$0
3.88% ▲ 1.13% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.13% above avg
Details

Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
6-month Share Certificate - 6 months ($10,000)
$10,000
3.85% ▲ 1.10% above national avg
Rate3.78%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.10% above avg
Details

Ventura County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.19%
Get Fit Certificate - 6 Month Certificate Basic - $1,000
$0
3.85% ▲ 1.10% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.10% above avg
Details

Ventura County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.19%
Get Fit Certificate - 6 Month Certificate Basic - $500
$0
3.85% ▲ 1.10% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.10% above avg
Details

Ventura County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.19%
Get Fit Certificate - 6 Month Certificate Plus
$0
3.85% ▲ 1.10% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.10% above avg
Details

Fontana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
6 Month Certificate
$0
3.81% ▲ 1.06% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.06% above avg
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
6 Month Certificate Accounts
$50,000
3.80% ▲ 1.05% above national avg
Rate3.73%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
6 Month Jumbo Certificates
$0
3.80% ▲ 1.05% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details

Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6-Months CD
$1,000
3.75% ▲ 1.00% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

The fixed interest rate is applied until maturity. This account pays simple interest. Interest is not compounded. Interest will be credited to your account at maturity. The account will be renewed automatically with interest rate determined at the time of maturity. Penalty will or may be imposed for early withdrawal. Please see the Bank's current fee schedule.

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
6 Month Certificate Accounts
$15,000
3.75% ▲ 1.00% above national avg
Rate3.68%
Min Deposit$15,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
5-year Term Share Certificate - 6 months
$500
3.75% ▲ 1.00% above national avg
Rate3.69%
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.00% above avg
Details

Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month Certificate - 6 months ($100,000+)
$0
3.75% ▲ 1.00% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.00% above avg
Details

Jumbo rates apply for deposits of $100,000 or more. APY shown assumes the account is paired with an active Direct Advantage Checking. Without a Direct Advantage Checking Account , the APY will be 0.10% lower.

Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month Certificate - 6 months ($100,000.00)
$250
3.75% ▲ 1.00% above national avg
Rate3.68%
Min Deposit$250
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.00% above avg
Details

New Money Only. Jumbo rates apply for deposits of $100,000 or more.

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Jumbo CD 6-month
$50,000
3.75% ▲ 1.00% above national avg
Rate
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Business Share Certificates
$0
3.75% ▲ 1.00% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Share Certificates
$1,000
3.75% ▲ 1.00% above national avg
Rate3.69%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Share Certificates - 6 Months
$0
3.75% ▲ 1.00% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional IRA Certificate - 6 Month
$100,000
3.75% ▲ 1.00% above national avg
Rate3.69%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

Traditional/Roth IRA Certificates.

California Credit Union
6-Month Certificate
$0
3.75% ▲ 1.00% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

Siskiyou Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
Share Certificate - 6 Months ($25,000)
$0
3.75% ▲ 1.00% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

Siskiyou Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
Share Certificate - 6 Months ($25,000- $250,000)
$0
3.75% ▲ 1.00% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
6 Month Share Certificate
$0
3.75% ▲ 1.00% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

Orange Countys Credit Union
6-Month Certificate
$1,000
3.75% ▲ 1.00% above national avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

Available for IRA and Business Accounts4

Orange Countys Credit Union
6-Month Term Share Certificate
$1,000
3.75% ▲ 1.00% above national avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

1APY = Annual Percentage Yield. Rates are subject to change without notice.

Ventura County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.19%
Business 6 Months - $1,000
$0
3.75% ▲ 1.00% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

Ventura County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.19%
Business 6 Months - $10,000
$0
3.75% ▲ 1.00% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

Ventura County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.19%
Business 6 Months - $25,000
$0
3.75% ▲ 1.00% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

Georgetown 12 Month CD Rates

National 12 Month CD Average2.92% APY▲ 0.08% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Relationship Certificate (12 months)
$0
5.90% ▲ 2.98% above national avg
Rate5.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.92%▲ 2.98% above avg
Details

Terms Apply

Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12 Month Certificate
$0
4.50% ▲ 1.58% above national avg
Rate4.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.58% above avg
Details

Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Share Saver Certificate - 12-Month Term ($500)
$0
4.50% ▲ 1.58% above national avg
Rate4.41%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.58% above avg
Details

maximum principal balance

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
12-Month CD
$1,000
4.40% ▲ 1.48% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.92%▲ 1.48% above avg
Details

CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
5-year Term Share Certificate - 1 Year
$500
4.25% ▲ 1.33% above national avg
Rate4.17%
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 1.33% above avg
Details

Term: 1 Year IRA with **Epic Premium Checking

Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
12 Month Gen-T Term Share Certificate
$5
4.25% ▲ 1.33% above national avg
Rate4.16%
Min Deposit$5
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 1.33% above avg
Details

Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Share Saver Certificate - 12-Month Term ($400)
$0
4.25% ▲ 1.33% above national avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.33% above avg
Details

Credit Union of Southern California
12-Month Certificate
$1,000
4.25% ▲ 1.33% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.33% above avg
Details

New Funds; Promotional rate

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1 Year Starter Add-On
$0
4.25% ▲ 1.33% above national avg
Rate4.18%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.33% above avg
Details

San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
12 Month Share Certificate
$0
4.20% ▲ 1.28% above national avg
Rate4.13%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.28% above avg
Details

Redwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
12-month certificates
$1,000
4.20% ▲ 1.28% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.28% above avg
Details

With active checking; Free rate bump option

Siskiyou Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
Share Certificate - 12 Months ($0)
$0
4.20% ▲ 1.28% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.28% above avg
Details

Siskiyou Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
Share Certificate - 12 Months ($0-$24,999)
$0
4.20% ▲ 1.28% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.28% above avg
Details

Siskiyou Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
Share Certificate - 12 Months ($25,000)
$0
4.20% ▲ 1.28% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.28% above avg
Details

Siskiyou Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
Share Certificate - 12 Months ($25,000- $250,000)
$0
4.20% ▲ 1.28% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.28% above avg
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.15% ▲ 1.23% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.23% above avg
Details

Featured rate

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Deferred Compensation Certificates - 12 months
$50
4.15% ▲ 1.23% above national avg
Rate4.07%
Min Deposit$50
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.23% above avg
Details

payroll deposit only

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1 Year Add-On Certificate
$0
4.10% ▲ 1.18% above national avg
Rate4.04%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.18% above avg
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
1 Year Youth
$250
4.06% ▲ 1.14% above national avg
Rate3.98%
Min Deposit$250
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.14% above avg
Details

SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
IRA Certificate - 1 Year
$0
4.05% ▲ 1.13% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.13% above avg
Details

Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
12 Month Certificate
$0
4.04% ▲ 1.12% above national avg
Rate3.97%
Min Deposit$0
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.92%▲ 1.12% above avg
Details

Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
12 Month Term Certificates
$0
4.00% ▲ 1.08% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
1-year Term Share Certificate
$0
4.00% ▲ 1.08% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 1.08% above avg
Details

Epic Premium account holders will enjoy a .25% bonus on a new 1-year Term Share Certificate.

CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
5-year Term Share Certificate - 1 year
$500
4.00% ▲ 1.08% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 1.08% above avg
Details

Term: 1 year with **Epic Premium Checking

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
12-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.08% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 1.08% above avg
Details

Stanford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
12-Month Certificate
$100
4.00% ▲ 1.08% above national avg
Rate
Min Deposit$100
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

Includes a .50 bonus for active and engaged members through our Loyalty+ program.

Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
12-month Loyalty Share Certificate - 12 months ($10,000)
$10,000
4.00% ▲ 1.08% above national avg
Rate3.96%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

SMW 104 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
12 Month Certificate
$0
4.00% ▲ 1.08% above national avg
Rate3.91%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Share Certificate - 12 months
$0
4.00% ▲ 1.08% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

Under $50,000; Dividends Paid at Maturity

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Share Certificate - 12 months ($50,000 & up)
$0
4.00% ▲ 1.08% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

Dividends Paid Monthly

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Share Certificate - 12 months (Under $50,000)
$0
4.00% ▲ 1.08% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

Dividends Paid at Maturity

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
12 Month Certificate
$0
4.00% ▲ 1.08% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Elite Jumbo CD 12-month
$250,000
4.00% ▲ 1.08% above national avg
Rate
Min Deposit$250,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Share Saver Certificate - 12-Month Term ($300)
$0
4.00% ▲ 1.08% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

KeyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
12 Month IRA Certificate
$0
4.00% ▲ 1.08% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

KeyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
12-month certificate
$0
4.00% ▲ 1.08% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

Get a 12-month certificate with a great rate

Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
12 Month Birthday Promo
$500
4.00% ▲ 1.08% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12 Month Business Certificates
$0
4.00% ▲ 1.08% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12 Month Certificate
$0
4.00% ▲ 1.08% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12 Month Consumer Certificates
$0
4.00% ▲ 1.08% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Jumbo Certificates or more) - 12 Month
$0
4.00% ▲ 1.08% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

$95,000

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Jumbo Consumer Certificates and Jumbo IRA Certificates - 12 Month
$0
4.00% ▲ 1.08% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

Credit Union of Southern California
12 month - Rewards+ Loyalty Program
$25
4.00% ▲ 1.08% above national avg
Rate3.93%
Min Deposit$25
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

Non-Rewards+ Loyalty Program Dividend rate: 3.06%; Non-Rewards+ Loyalty Program APY: 3.10%

Credit Union of Southern California
12 month Certificate
$500
4.00% ▲ 1.08% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
12-Month Share Certificate
$0
4.00% ▲ 1.08% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

Promotional offer

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
Bonus Certificates - 12 Month
$0
3.95% ▲ 1.03% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.03% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
Bonus IRA Certificates - 12 Month
$0
3.95% ▲ 1.03% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.03% above avg
Details

Ventura County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.19%
Get Fit IRA 1 Year Certificate
$0
3.95% ▲ 1.03% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.03% above avg
Details

Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
12 Month Certificate
$0
3.92% ▲ 1.00% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.92%▲ 1.00% above avg
Details

APY: 4.04%; APR: 3.97%

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1 Year Retirement Liquid Share Certificates
$0
3.91% ▲ 0.99% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.99% above avg
Details

Georgetown 18 Month CD Rates

National 18 Month CD Average2.82% APY▲ 0.15% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18-Month CD
$1,000
4.40% ▲ 1.58% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 1.58% above avg
Details

San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
18 Month Share Certificate
$0
4.25% ▲ 1.43% above national avg
Rate4.18%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.43% above avg
Details

Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
18 Month New Money Certificate
$0
4.25% ▲ 1.43% above national avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.43% above avg
Details

New Money

Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
18 Month New Money Certificate
$0
4.15% ▲ 1.33% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.33% above avg
Details

New Money

Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Business 18 months
$0
4.15% ▲ 1.33% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.33% above avg
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Senior 18-month Jumbo CD
$50,000
4.10% ▲ 1.28% above national avg
Rate
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details

Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
18-Months Promotional Term Certificate
$1,000
4.10% ▲ 1.28% above national avg
Rate4.03%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details

APY assumes that dividends will remain in the account until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. Upon maturity, the Certificate will automatically renew into a standard, non-promotional 24-month Certificate at the dividend rate in effect at the time of renewal. Early withdrawal penalties may apply. Membership eligibility and other terms and conditions apply. Rates, conditions, and terms are subject to change without notice. These promotions are a limited time offer. Please contact Eagle Community Credit Union for the most current information.

Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
18-Months Promotional Term IRA Certificate
$500
4.10% ▲ 1.28% above national avg
Rate4.03%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details

APY assumes that dividends will remain in the account until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. Upon maturity, the Certificate will automatically renew into a standard, non-promotional 24-month Certificate at the dividend rate in effect at the time of renewal. Early withdrawal penalties may apply. Membership eligibility and other terms and conditions apply. Rates, conditions, and terms are subject to change without notice. These promotions are a limited time offer. Please contact Eagle Community Credit Union for the most current information.

GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
18 Month Platinum TCD
$0
4.08% ▲ 1.26% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 7, 2026
National Average2.82%▲ 1.26% above avg
Details

GBC 50th Anniversary Special!

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
18 Month Share Certificates
$0
4.05% ▲ 1.23% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.23% above avg
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.00% ▲ 1.18% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details

AltaOne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
Traditional 18 Month Bump Certificate
$0
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details

Term Share and Traditional, Roth & SEP IRA Certificates

CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
5-year Term Share Certificate - 18 months
$500
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.18% above avg
Details

Term: 18 months with **Epic Premium Checking

SCE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
IRA Certificate Accounts - 18 months
$0
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.18% above avg
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
18-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.18% above avg
Details

SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
18 Month "New Money" CD
$1,000
4.00% ▲ 1.18% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details

New Money is defined as funds not currently on deposit. Early withdrawal penalties may apply.

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
18 Month Share Certificates
$0
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Senior 18-month CD
$500
4.00% ▲ 1.18% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Share Certificates
$1,000
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional IRA Certificate - 18 Month
$100,000
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details

Traditional/Roth IRA Certificates.

Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
18 Month New Money Certificate
$0
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details

New Money

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Business Certificates
$0
4.00% ▲ 1.18% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Certificate
$0
4.00% ▲ 1.18% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Consumer Certificates
$0
4.00% ▲ 1.18% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Jumbo Certificates or more) - 18 Month
$0
4.00% ▲ 1.18% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details

$95,000

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Jumbo Consumer Certificates and Jumbo IRA Certificates - 18 Month
$0
4.00% ▲ 1.18% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details

Credit Union of Southern California
18 month - Rewards+ Loyalty Program
$25
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$25
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details

Non-Rewards+ Loyalty Program Dividend rate: 2.96%; Non-Rewards+ Loyalty Program APY: 3.00%

Credit Union of Southern California
18 month Certificate
$500
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details

Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 Month Certificate
$0
3.98% ▲ 1.16% above national avg
Rate3.91%
Min Deposit$0
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 1.16% above avg
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
18 Month Share Certificates
$0
3.95% ▲ 1.13% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.13% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Share Certificates - 18 Month
$1,000
3.95% ▲ 1.13% above national avg
Rate3.88%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.13% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 18 Months
$50,000
3.95% ▲ 1.13% above national avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.13% above avg
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
18-month Certificate
$0
3.90% ▲ 1.08% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.08% above avg
Details

Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
18 Month Share Certificates
$0
3.90% ▲ 1.08% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.08% above avg
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
18 Month Share Certificates
$0
3.90% ▲ 1.08% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.08% above avg
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Jumbo CD 18-month
$50,000
3.90% ▲ 1.08% above national avg
Rate
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.08% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Share Certificates - 18 Month
$1,000
3.90% ▲ 1.08% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.08% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 18 Month
$1,000
3.90% ▲ 1.08% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.08% above avg
Details

Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
18 Month Certificate
$0
3.90% ▲ 1.08% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.08% above avg
Details

Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
Share Certificate - 18 months
$0
3.90% ▲ 1.08% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.08% above avg
Details

Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
Share Certificates - 18 months
$0
3.90% ▲ 1.08% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.08% above avg
Details

$50,000+

AltaOne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
Traditional 18 Month Bump Certificate
$0
3.85% ▲ 1.03% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details

Term Share and Traditional, Roth & SEP IRA Certificates

Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
18 Month Share Certificates
$0
3.85% ▲ 1.03% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
18 Month Share Certificates
$0
3.85% ▲ 1.03% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
18 Month Certificate
$0
3.85% ▲ 1.03% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details

Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
18 Month Certificate
$0
3.85% ▲ 1.03% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details

Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
Share Certificates - 18 months - $10,000
$0
3.85% ▲ 1.03% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details

Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 Month Certificate
$0
3.83% ▲ 1.01% above national avg
Rate3.76%
Min Deposit$0
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 1.01% above avg
Details

APY: 3.98%; APR: 3.91%

Ontario-Montclair School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
18 month certificate
$1,000
3.82% ▲ 1.00% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.00% above avg
Details

Early W/D Penalty: 90 days

Ontario-Montclair School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
IRA Certificate (18 mo)
$500
3.82% ▲ 1.00% above national avg
Rate3.75%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.00% above avg
Details

Early W/D Penalty: 90 days

Georgetown 24 Month CD Rates

National 24 Month CD Average2.84% APY▲ 0.13% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2 Year Consumer Certificate of Deposit
$500
4.40% ▲ 1.56% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.56% above avg
Details

3Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.

San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
24 Month Share Certificate
$0
4.30% ▲ 1.46% above national avg
Rate4.23%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.46% above avg
Details

Credit Union of Southern California
24 month - Rewards+ Loyalty Program
$25
4.25% ▲ 1.41% above national avg
Rate4.17%
Min Deposit$25
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.41% above avg
Details

Non-Rewards+ Loyalty Program Dividend rate: 2.81%; Non-Rewards+ Loyalty Program APY: 2.85%

Credit Union of Southern California
24 month Certificate
$500
4.25% ▲ 1.41% above national avg
Rate4.17%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.41% above avg
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
24-Month CD
$1,000
4.20% ▲ 1.36% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.36% above avg
Details

Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
24 Month Certificate - $500
$500
4.20% ▲ 1.36% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.36% above avg
Details

Summer CD Specials. Terms and conditions may vary by account. All regular certificates can be opened as IRA certificates, unless otherwise noted.

Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
24 Month Certificate - 24 months
$0
4.20% ▲ 1.36% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.36% above avg
Details

Minimum balance for all Certificates and IRA Certificates is $500.

Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Term Certificates - 24 months
$0
4.20% ▲ 1.36% above national avg
Rate4.12%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.36% above avg
Details

Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1-2 Year Share Certificate
$0
4.13% ▲ 1.29% above national avg
Rate4.05%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.29% above avg
Details

Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
24 Month Term Certificates
$0
4.11% ▲ 1.27% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.27% above avg
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Elite Jumbo CD 24-month
$250,000
4.10% ▲ 1.26% above national avg
Rate
Min Deposit$250,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.26% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 2 Year ($10,000)
$0
4.10% ▲ 1.26% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.26% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 2 Year ($100,000)
$0
4.10% ▲ 1.26% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.26% above avg
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Share Certificates / Roth & Traditional IRA Share Certificates - 24 Months
$0
4.05% ▲ 1.21% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.21% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 2 Year ($10,000)
$0
4.05% ▲ 1.21% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.21% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 2 Year ($50,000)
$0
4.05% ▲ 1.21% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.21% above avg
Details

CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
2-year Term Share Certificate
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 1.16% above avg
Details

Epic Premium account holders will enjoy a .25% bonus on a new 2-year Term Share Certificate.

CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
5-year Term Share Certificate - 2 years
$500
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 1.16% above avg
Details

Term: 2 years with **Epic Premium Checking

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
24-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 1.16% above avg
Details

SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
IRA Certificate - 2 Year
$0
4.00% ▲ 1.16% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Share Certificates / Roth & Traditional IRA Share Certificates - 24 Months
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Business Share Certificates
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Share Certificates
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 2 Year
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24 Month Business Certificates
$0
4.00% ▲ 1.16% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24 Month Certificate
$0
4.00% ▲ 1.16% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24 Month Consumer Certificates
$0
4.00% ▲ 1.16% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Jumbo Certificates or more) - 24 Month
$0
4.00% ▲ 1.16% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details

$95,000

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Jumbo Consumer Certificates and Jumbo IRA Certificates - 24 Month
$0
4.00% ▲ 1.16% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details

Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
24 Month Certificate
$0
3.98% ▲ 1.14% above national avg
Rate3.91%
Min Deposit$0
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.14% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
Bonus Certificates - 24 Month
$0
3.96% ▲ 1.12% above national avg
Rate3.89%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.12% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
Bonus IRA Certificates - 24 Month
$0
3.96% ▲ 1.12% above national avg
Rate3.89%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.12% above avg
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Share Certificates / Roth & Traditional IRA Share Certificates - 24 Months
$0
3.95% ▲ 1.11% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.11% above avg
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Jumbo CD 24-month
$50,000
3.95% ▲ 1.11% above national avg
Rate
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.11% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Business Share Certificates
$0
3.95% ▲ 1.11% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.11% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Share Certificates
$0
3.95% ▲ 1.11% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.11% above avg
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
24-month Certificate
$0
3.90% ▲ 1.06% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 1.06% above avg
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Share Certificates / Roth & Traditional IRA Share Certificates - 24 Months
$0
3.90% ▲ 1.06% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
24 Month Certificate
$0
3.90% ▲ 1.06% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Business Share Certificates
$0
3.90% ▲ 1.06% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Share Certificates
$0
3.90% ▲ 1.06% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details

Ontario-Montclair School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
2 year certificate
$1,000
3.85% ▲ 1.01% above national avg
Rate3.78%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details

Early W/D Penalty: 180 days

Ontario-Montclair School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
IRA Certificate (24 mo)
$500
3.85% ▲ 1.01% above national avg
Rate3.78%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details

Early W/D Penalty: 180 days

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
2 Year Certificate
$500
3.85% ▲ 1.01% above national avg
Rate3.78%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
IRA Certificates - Traditional & Roth - 2 Years
$5
3.85% ▲ 1.01% above national avg
Rate3.78%
Min Deposit$5
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Share Certificates / Roth & Traditional IRA Share Certificates - 24 Months
$0
3.85% ▲ 1.01% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
IRA Traditional & Roth 2 year
$500
3.85% ▲ 1.01% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Regular CD 24-month
$500
3.85% ▲ 1.01% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
24 Month Jumbo Certificates
$0
3.85% ▲ 1.01% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details

Georgetown 36 Month CD Rates

National 36 Month CD Average2.77% APY▲ 0.13% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
36 Month Share Certificate
$0
4.25% ▲ 1.48% above national avg
Rate4.18%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.48% above avg
Details

Credit Union of Southern California
36 month - Rewards+ Loyalty Program
$25
4.25% ▲ 1.48% above national avg
Rate4.17%
Min Deposit$25
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.48% above avg
Details

Non-Rewards+ Loyalty Program Dividend rate: 2.81%; Non-Rewards+ Loyalty Program APY: 2.85%

Credit Union of Southern California
36 month Certificate
$500
4.25% ▲ 1.48% above national avg
Rate4.17%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.48% above avg
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
36-Month CD
$1,000
4.20% ▲ 1.43% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 1.43% above avg
Details

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Deferred Compensation Certificates - 36 months
$50
4.20% ▲ 1.43% above national avg
Rate4.11%
Min Deposit$50
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.43% above avg
Details

payroll deposit only

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Elite Jumbo CD 36-month
$250,000
4.15% ▲ 1.38% above national avg
Rate
Min Deposit$250,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.38% above avg
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
3 Years Add-On Certificate
$0
4.15% ▲ 1.38% above national avg
Rate4.09%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.38% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 3 Year
$0
4.10% ▲ 1.33% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.33% above avg
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Share Certificates / Roth & Traditional IRA Share Certificates - 36 Months
$0
4.05% ▲ 1.28% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.28% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 3 Year
$0
4.05% ▲ 1.28% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.28% above avg
Details

Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year CD
$0
4.00% ▲ 1.23% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details

Annual Percentage Yield (APY) is accurate as of 07/14/2026. Rates and terms subject to change. Penalty for early withdrawal. Fees may reduce earnings on the account.

Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year Online CD
$25,000
4.00% ▲ 1.23% above national avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details

Compounded Daily (3); Penalty for Early Withdrawal

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
36-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.23% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 1.23% above avg
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Share Certificates / Roth & Traditional IRA Share Certificates - 36 Months
$0
4.00% ▲ 1.23% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Jumbo CD 36-month
$50,000
4.00% ▲ 1.23% above national avg
Rate
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Business Share Certificates
$0
4.00% ▲ 1.23% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Share Certificates
$1,000
4.00% ▲ 1.23% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Share Certificates - 3 Years
$0
4.00% ▲ 1.23% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 3 Year
$0
4.00% ▲ 1.23% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional IRA Certificate - 3 Year
$100,000
4.00% ▲ 1.23% above national avg
Rate3.93%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details

Traditional/Roth IRA Certificates.

Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
36 Month Certificate
$500
4.00% ▲ 1.23% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Share Certificates / Roth & Traditional IRA Share Certificates - 36 Months
$0
3.95% ▲ 1.18% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.18% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Business Share Certificates
$0
3.95% ▲ 1.18% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.18% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Share Certificates
$0
3.95% ▲ 1.18% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.18% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Share Certificates - 3 Year
$1,000
3.95% ▲ 1.18% above national avg
Rate3.88%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.18% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 3 Year
$50,000
3.95% ▲ 1.18% above national avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.18% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
Bonus Certificates - 36 Month
$0
3.91% ▲ 1.14% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.14% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
Bonus IRA Certificates - 36 Month
$0
3.91% ▲ 1.14% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.14% above avg
Details

Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
36-Month Term Share Certificate
$0
3.91% ▲ 1.14% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.14% above avg
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
36-month Certificate
$0
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 1.13% above avg
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Share Certificates / Roth & Traditional IRA Share Certificates - 36 Months
$0
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
36 Month Certificate
$0
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
IRA Traditional & Roth 3 year
$500
3.90% ▲ 1.13% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Regular CD 36-month
$500
3.90% ▲ 1.13% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Business Share Certificates
$0
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Share Certificates
$0
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Share Certificates - 3 Year
$1,000
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 3 Year
$1,000
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
36 Month Jumbo Certificates
$0
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
36 Month Jumbo IRA Certificate
$0
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details

Ontario-Montclair School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
3 year certificate
$1,000
3.86% ▲ 1.09% above national avg
Rate3.79%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.09% above avg
Details

Early W/D Penalty: 180 days

Ontario-Montclair School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
IRA Certificate (36 mo)
$500
3.86% ▲ 1.09% above national avg
Rate3.79%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.09% above avg
Details

Early W/D Penalty: 180 days

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
3 Year Certificate
$500
3.86% ▲ 1.09% above national avg
Rate3.79%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.09% above avg
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
IRA Certificates - Traditional & Roth - 3 Years
$5
3.86% ▲ 1.09% above national avg
Rate3.79%
Min Deposit$5
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.09% above avg
Details

CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
36 Month Share Certificates
$0
3.86% ▲ 1.09% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.09% above avg
Details

Platinum

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Share Certificates / Roth & Traditional IRA Share Certificates - 36 Months
$0
3.85% ▲ 1.08% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.08% above avg
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
36 Month Share Certificates
$0
3.85% ▲ 1.08% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.08% above avg
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Regular IRA Certificate - 36 Month
$0
3.85% ▲ 1.08% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.08% above avg
Details

Antioch Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
36 Month Share Certificate
$0
3.82% ▲ 1.05% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month Individual Retirement Account (IRA) Certificate
$0
3.82% ▲ 1.05% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details

Georgetown 48 Month CD Rates

National 48 Month CD Average2.78% APY▲ 0.13% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Elite Jumbo CD 48-month
$250,000
4.25% ▲ 1.47% above national avg
Rate
Min Deposit$250,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.47% above avg
Details

Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
48 Month Certificate
$500
4.25% ▲ 1.47% above national avg
Rate4.17%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.47% above avg
Details

Credit Union of Southern California
48 month - Rewards+ Loyalty Program
$25
4.25% ▲ 1.47% above national avg
Rate4.17%
Min Deposit$25
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.47% above avg
Details

Non-Rewards+ Loyalty Program Dividend rate: 2.81%; Non-Rewards+ Loyalty Program APY: 2.85%

Credit Union of Southern California
48 month Certificate
$500
4.25% ▲ 1.47% above national avg
Rate4.17%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.47% above avg
Details

American First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
48 Month Promo Certificate
$1,000
4.25% ▲ 1.47% above national avg
Rate4.16%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.47% above avg
Details

Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution.

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
48-Month CD
$1,000
4.20% ▲ 1.42% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.78%▲ 1.42% above avg
Details

San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
48 Month Share Certificate
$0
4.20% ▲ 1.42% above national avg
Rate4.13%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.42% above avg
Details

Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
48-Month Term Share Certificate
$0
4.06% ▲ 1.28% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.28% above avg
Details

SCE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
IRA Certificate Accounts - 48 months
$0
4.00% ▲ 1.22% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.22% above avg
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
48-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.22% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.22% above avg
Details

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
48 Month Term Certificate
$1,000
4.00% ▲ 1.22% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.22% above avg
Details

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
Share Certificates - 48 Month
$1,000
4.00% ▲ 1.22% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.22% above avg
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Regular CD 48-month
$500
4.00% ▲ 1.22% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.22% above avg
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
48 Month Jumbo Certificates
$0
3.95% ▲ 1.17% above national avg
Rate3.87%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.17% above avg
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
48 Month Jumbo IRA Certificate
$0
3.95% ▲ 1.17% above national avg
Rate3.87%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.17% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
Bonus Certificates - 48 Month
$0
3.91% ▲ 1.13% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.13% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
Bonus IRA Certificates - 48 Month
$0
3.91% ▲ 1.13% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.13% above avg
Details

CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
48 Month Share Certificates
$0
3.91% ▲ 1.13% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.13% above avg
Details

Platinum

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
48-month Certificate
$0
3.90% ▲ 1.12% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.12% above avg
Details

Ontario-Montclair School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
4 year certificate
$1,000
3.90% ▲ 1.12% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.12% above avg
Details

Early W/D Penalty: 180 days

Ontario-Montclair School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
IRA Certificate (48 mo)
$500
3.90% ▲ 1.12% above national avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.12% above avg
Details

Early W/D Penalty: 180 days

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
4 Year Certificate
$500
3.90% ▲ 1.12% above national avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.12% above avg
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
IRA Certificates - Traditional & Roth - 4 Years
$5
3.90% ▲ 1.12% above national avg
Rate3.83%
Min Deposit$5
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.12% above avg
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
48 Month Certificate
$0
3.90% ▲ 1.12% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.12% above avg
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
48 Month Share Certificates
$0
3.90% ▲ 1.12% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.12% above avg
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Regular IRA Certificate - 48 Month
$0
3.90% ▲ 1.12% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.12% above avg
Details

CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
48 Month Share Certificates - 48 Months
$0
3.86% ▲ 1.08% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.08% above avg
Details

Platinum

Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.28%
Jumbo 48 Month CD
$0
3.85% ▲ 1.07% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
48 Month Share Certificates - Jumbo
$0
3.85% ▲ 1.07% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details

Over $90,000

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
IRA Certificates - Jumbo 48 month
$0
3.85% ▲ 1.07% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details

Over $90,000

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48 Month Individual Retirement Account (IRA) Certificate
$0
3.82% ▲ 1.04% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.04% above avg
Details

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48 Month Term Certificate
$0
3.82% ▲ 1.04% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.04% above avg
Details

CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
48 Month Share Certificates - 48 Months
$0
3.81% ▲ 1.03% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.03% above avg
Details

Gold

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
48 Month Certificate
$0
3.80% ▲ 1.02% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.02% above avg
Details

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
48 Month IRA Certificates - Gold Minimum
$0
3.80% ▲ 1.02% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.02% above avg
Details

$50,000

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
48 Month Share Certificates - Gold Minimum
$0
3.80% ▲ 1.02% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.02% above avg
Details

$50,000

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 Month Certificate
$0
3.76% ▲ 0.98% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.98% above avg
Details

CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
48 Month Share Certificates
$0
3.76% ▲ 0.98% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.98% above avg
Details

Silver

CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
5-year Term Share Certificate - 4 years
$500
3.75% ▲ 0.97% above national avg
Rate3.69%
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 0.97% above avg
Details

Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.28%
48 Month CD
$0
3.75% ▲ 0.97% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details

SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
IRA Certificate - 4 Year
$0
3.75% ▲ 0.97% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
48 Month Business Certificates
$0
3.75% ▲ 0.97% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
48 Month Certificate
$0
3.75% ▲ 0.97% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
48 Month Consumer Certificates
$0
3.75% ▲ 0.97% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Jumbo Certificates or more) - 48 Month
$0
3.75% ▲ 0.97% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details

$95,000

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Jumbo Consumer Certificates and Jumbo IRA Certificates - 48 Month
$0
3.75% ▲ 0.97% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details

Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
4 Year Share Certificate
$0
3.75% ▲ 0.97% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details

Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
IRA Share Certificates - 4 Year
$0
3.75% ▲ 0.97% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details

USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
IRA 48 Month Certificate
$1,000
3.75% ▲ 0.97% above national avg
Rate3.69%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
IRA Certificate - 48 month
$0
3.75% ▲ 0.97% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details

Georgetown 60 Month CD Rates

National 60 Month CD Average2.86% APY▲ 0.11% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
60 Month Certificate
$500
4.50% ▲ 1.64% above national avg
Rate4.41%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.64% above avg
Details

Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Roth IRA Certificates - 60 months
$0
4.33% ▲ 1.47% above national avg
Rate4.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.47% above avg
Details

Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Simplified Employee Pension (SEP) IRA Certificates - 60 months
$0
4.33% ▲ 1.47% above national avg
Rate4.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.47% above avg
Details

The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time.

Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Traditional IRA Certificates - 60 months
$0
4.33% ▲ 1.47% above national avg
Rate4.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.47% above avg
Details

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Deferred Compensation Certificates - 60 months
$50
4.30% ▲ 1.44% above national avg
Rate4.21%
Min Deposit$50
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.44% above avg
Details

payroll deposit only

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
60 Month Flexible Certificate
$500
4.30% ▲ 1.44% above national avg
Rate4.22%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.44% above avg
Details

Rates and terms are accurate as of Wednesday, September 09, 2026 and are subject to change. Early-withdrawal penalties may apply. Dividends are credited monthly. Maintenance or activity fees could reduce the earnings on the account. Flexible Certificates and Dedicated Savings allow additional deposits of up to $10,000 each calendar month. Each member is limited to $100,000 in any one or combination of Flexible Certificate accounts, and $100,000 in any one or combination of Dedicated Savings accounts.

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
60 Month Regular CD
$500
4.30% ▲ 1.44% above national avg
Rate4.22%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.44% above avg
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
60 Month Regular Certificate
$500
4.30% ▲ 1.44% above national avg
Rate4.22%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.44% above avg
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
60 Months Certificate
$500
4.30% ▲ 1.44% above national avg
Rate4.22%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.44% above avg
Details

Dividends are credited monthly. Maintenance or activity fees could reduce account earnings. Early-withdrawal penalties may apply.

CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
5-year Term Share Certificate - 5 years
$500
4.25% ▲ 1.39% above national avg
Rate4.17%
Min Deposit$500
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 1.39% above avg
Details

Term: 5 years with **Epic Premium Checking

SCE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
IRA Certificate Accounts - 60 months
$0
4.25% ▲ 1.39% above national avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 1.39% above avg
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Elite Jumbo CD 60-month
$250,000
4.25% ▲ 1.39% above national avg
Rate
Min Deposit$250,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.39% above avg
Details

Credit Union of Southern California
60 month - Rewards+ Loyalty Program
$25
4.25% ▲ 1.39% above national avg
Rate4.17%
Min Deposit$25
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.39% above avg
Details

Non-Rewards+ Loyalty Program Dividend rate: 2.96%; Non-Rewards+ Loyalty Program APY: 3.00%

Credit Union of Southern California
60 month Certificate
$500
4.25% ▲ 1.39% above national avg
Rate4.17%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.39% above avg
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
60-Month CD
$1,000
4.20% ▲ 1.34% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.86%▲ 1.34% above avg
Details

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
60 Month IRA Certificate
$0
4.20% ▲ 1.34% above national avg
Rate4.11%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.34% above avg
Details

Jumbo

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 60 Months
$0
4.20% ▲ 1.34% above national avg
Rate4.11%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.34% above avg
Details

Balance: $250,000 Minimum Balance (Jumbo)

San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
60 Month Share Certificate
$0
4.15% ▲ 1.29% above national avg
Rate4.09%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.29% above avg
Details

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
60 Month IRA Certificate
$0
4.15% ▲ 1.29% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.29% above avg
Details

Jumbo

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 60 Months
$0
4.15% ▲ 1.29% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.29% above avg
Details

Balance: $100,000 Minimum Balance (Jumbo)

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
60 Month Certificate
$500
4.15% ▲ 1.29% above national avg
Rate4.07%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.29% above avg
Details

Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year CD
$0
4.10% ▲ 1.24% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.24% above avg
Details

Annual Percentage Yield (APY) is accurate as of 07/14/2026. Rates and terms subject to change. Penalty for early withdrawal. Fees may reduce earnings on the account.

Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year Online CD
$25,000
4.10% ▲ 1.24% above national avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.24% above avg
Details

Compounded Daily (3); Penalty

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
60 Month IRA Certificate
$0
4.10% ▲ 1.24% above national avg
Rate4.02%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.24% above avg
Details

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
60 Month Share Certificate
$0
4.10% ▲ 1.24% above national avg
Rate4.02%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.24% above avg
Details

Jumbo

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 60 Months
$0
4.10% ▲ 1.24% above national avg
Rate4.02%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.24% above avg
Details

Balance: $50,000 Minimum Balance

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Share Certificates - 60 Months
$0
4.10% ▲ 1.24% above national avg
Rate4.02%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.24% above avg
Details

Balance: $250,000 Minimum Balance (Jumbo)

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 5 Year
$0
4.10% ▲ 1.24% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.24% above avg
Details

Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
60-Month Term Share Certificate
$0
4.06% ▲ 1.20% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.20% above avg
Details

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
60 Month IRA Certificate
$0
4.05% ▲ 1.19% above national avg
Rate3.97%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.19% above avg
Details

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
60 Month Share Certificate
$0
4.05% ▲ 1.19% above national avg
Rate3.97%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.19% above avg
Details

Jumbo

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 60 Months
$0
4.05% ▲ 1.19% above national avg
Rate3.97%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.19% above avg
Details

Balance: $20,000 Minimum Balance

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Share Certificates - 60 Months
$0
4.05% ▲ 1.19% above national avg
Rate3.97%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.19% above avg
Details

Balance: $100,000 Minimum Balance (Jumbo)

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 5 Year
$0
4.05% ▲ 1.19% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.19% above avg
Details

First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
Retirement Certificates - 5 Years
$0
4.05% ▲ 1.19% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.19% above avg
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
60 Month Jumbo Certificates
$0
4.05% ▲ 1.19% above national avg
Rate3.97%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.19% above avg
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
60 Month Jumbo IRA Certificate
$0
4.05% ▲ 1.19% above national avg
Rate3.97%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.19% above avg
Details

CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
60 Month Share Certificates
$0
4.01% ▲ 1.15% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.15% above avg
Details

Platinum

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
60-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.14% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 1.14% above avg
Details

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
60 Month Term Certificate
$1,000
4.00% ▲ 1.14% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 1.14% above avg
Details

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
IRA Certificates - 60 Month
$0
4.00% ▲ 1.14% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 1.14% above avg
Details

*Rates are variable and may change after the account is opened. Rate subject to change without notice. Fees may reduce earnings.

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
Share Certificates - 60 Month
$1,000
4.00% ▲ 1.14% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 1.14% above avg
Details

SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
IRA Certificate - 5 Year
$0
4.00% ▲ 1.14% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details

Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
60 Month Share Certificates
$0
4.00% ▲ 1.14% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details

Ontario-Montclair School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
5 year certificate
$1,000
4.00% ▲ 1.14% above national avg
Rate3.92%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details

Early W/D Penalty: 180 days

Ontario-Montclair School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
IRA Certificate (60 mo)
$500
4.00% ▲ 1.14% above national avg
Rate3.92%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details

Early W/D Penalty: 180 days

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
5 Year Certificate
$500
4.00% ▲ 1.14% above national avg
Rate3.92%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
IRA Certificates - Traditional & Roth - 5 Years
$5
4.00% ▲ 1.14% above national avg
Rate3.92%
Min Deposit$5
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
60 Month IRA Certificate
$0
4.00% ▲ 1.14% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
60 Month Share Certificate
$0
4.00% ▲ 1.14% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
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 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.

Top CD Rates from Georgetown, California Institutions

Highest verified APYs available today, updated September 16, 2026

B Top 5 Bank Rates
Habib American HAB Bank
12 Month Certificate
A+ 5.0 ★ TX: 5.54%
Min: $0
4.50%
United Fidelity Bank
12-Month CD
A+ 5.0 ★ TX: 2.56%
Min: $1,000
4.40%
Happen Bank
2 Year Consumer Certificate of Deposit
A+ 5.0 ★ TX: 4.05%
Min: $500
4.40%
Austin Capital Bank
3 Month CD
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.32%
U S POSTAL SERVICE
1 Year Starter Add-On
A+ 5.0 ★ TX: 4.56%
Min: $0
4.25%
CU Top 5 Credit Union Rates
Schools Federal Credit Union
Relationship Certificate (12 months)
A+ 5.0 ★ TX: 1.69%
Min: $0
5.90%
Educational Employees Credit Union
Share Saver Certificate - 12-Month Term ($500)
A+ 5.0 ★ TX: 0.57%
Min: $0
4.50%
Corazo Credit Union
60 Month Certificate
A 5.0 ★ TX: 9.00%
Min: $500
4.50%
Coast Central Credit Union
Roth IRA Certificates - 60 months
A+ 5.0 ★ TX: 2.12%
Min: $0
4.33%
San Diego Firefighters Federal Credit Union
24 Month Share Certificate
A+ 5.0 ★ TX: 0.53%
Min: $0
4.30%
Rates verified September 16, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

Georgetown, CA CD Rate Trends

Compare local Georgetown, CA CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full California CD Trends
12-Month CD CA Avg
2.921%
▲ 0.081 vs 7 days ago

California 12-month CD rates rose 0.081 points over the past 7 days to 2.921% APY.

6-Month CD CA Avg
2.746%
▲ 0.076 vs 7 days ago

California 6-month CD rates rose 0.076 points over the past 7 days to 2.746% APY.

As of Sep 16, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

CA CD Rate Forecast, Next 12 Months

Where are California CD rates headed through September 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

CA 12-Month Avg APY
2.921%
6-Month Forecast
2.921%
Range: 2.72% – 3.07%
12-Month Forecast
3.171%
Range: 2.97% – 3.32%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the California average 12-month CD APY in our database.

Spread model: The California 12-month CD average currently trades 1.45% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

Powered by MonitorBankRates

What Your Savings Earn at CA CD Rates Today

Annual interest earnings at today’s California average APYs. State average used where available; national average as fallback.

CD Term CA Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.043% $102.14 $204.28 $510.70 $1,021.40
6-Month CD 2.746% $137.27 $274.55 $686.37 $1,372.75
12-Month CD 2.921% $146.06 $292.11 $730.28 $1,460.55
18-Month CD 2.824% $141.19 $282.38 $705.95 $1,411.90
24-Month CD 2.843% $142.16 $284.32 $710.80 $1,421.60
36-Month CD 2.765% $138.26 $276.52 $691.30 $1,382.60
48-Month CD 2.778% $138.91 $277.82 $694.55 $1,389.10
60-Month CD 2.858% $142.91 $285.81 $714.53 $1,429.05
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 16, 2026.

Sample CD Ladder for Georgetown, California Savers

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

Build Your Ladder
Rung Term Deposit CA Avg APY Annual Earnings
1 3-Month CD $5,000 2.043% $102.14
2 6-Month CD $5,000 2.746% $137.27
3 12-Month CD $5,000 2.921% $146.06
4 24-Month CD $5,000 2.843% $142.16
5 36-Month CD $5,000 2.765% $138.26
Total ($25,000 invested) $25,000 2.664% blended $665.89/yr

Ladder example uses equal $5,000 rungs and California average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

2,509
CD Rates
Tracked in Georgetown, California
20 Banks 85 Credit Unions

About Our Georgetown, California CD Rate Database

MonitorBankRates tracks 2,509 CD rates from 20 banks and 85 credit unions with locations in Georgetown, California, plus national online institutions available to California residents. 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 rate: Schools Federal Credit Union offers a CD at 5.90% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Georgetown, California.

How to Find the Best CD Rates in Georgetown, California

What to compare when shopping for a CD in Georgetown, California

To find the best APYs in Georgetown, California, start with credit unions and online-only banks: Georgetown, California has 85 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

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.

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 in Georgetown, California

  • 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 prefer banking with an institution that has a local branch in Georgetown, California: 105 institutions here report CD rates

Consider an Alternative If…

Georgetown, California Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
48.8%
National avg: 17.3%
Median Individual Earnings
$41,100
National avg: $47,340
Poverty Rate
7.2%
National avg: 11.1%
Unemployment Rate
19.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$120/yr
At CA 12-mo avg 2.921% APY

48.8% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market; an unemployment rate of 19.4% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s CA 12-month CD average of 2.921%, saving 10% of the local median salary ($4,110/year) and putting it in a CD would earn an additional $120 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Georgetown, California

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

How Certificates of Deposit Work in Georgetown, California

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Georgetown, California typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Georgetown, California as everywhere in the U.S.

Choosing a CD Term in Georgetown, California

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Georgetown, California savers easier access to their funds. For example, Habib American HAB Bank is offering its 6 Month Certificate at 4.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Corazo Credit Union is offering its 60 Month Certificate at 4.50% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Georgetown, California Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Georgetown, California saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Georgetown, California

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Georgetown, California CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Georgetown, California

Most CDs carry a fixed rate that is locked for the entire term, protecting a Georgetown, California depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Georgetown, California

Are CD rates in Georgetown, California FDIC insured?

Yes, most established banks in Georgetown, California are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Georgetown, California?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Georgetown, California.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Georgetown, California may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Georgetown, California?

Here are recent top rates found for this area:
  • Schools Federal Credit Union: 5.90% APY (Relationship Certificate (12 months))
  • Habib American HAB Bank : 4.50% APY (12 Month Certificate)
  • Educational Employees Credit Union: 4.50% APY (Share Saver Certificate - 12-Month Term ($500))
  • Corazo Credit Union: 4.50% APY (60 Month Certificate)
  • United Fidelity Bank: 4.40% APY (12-Month CD)
  • Happen Bank: 4.40% APY (2 Year Consumer Certificate of Deposit)
  • Coast Central Credit Union: 4.33% APY (Roth IRA Certificates - 60 months)
  • Austin Capital Bank: 4.32% APY (3 Month CD)
  • San Diego Firefighters Federal Credit Union: 4.30% APY (24 Month Share Certificate)
  • SchoolsFirst Federal Credit Union: 4.30% APY (Deferred Compensation Certificates - 60 months)
Rates reflect recent verified offers available in Georgetown, California. Last Updated: September 16, 2026

Georgetown, California CD Calculator

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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 Georgetown, California CD Rates by Term

Verified September 16, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Georgetown, California. Averages shown use the California state average where available, national otherwise. See the full rate tables above for all offers.

Methodology & Data Sources

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Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Georgetown, California 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 in Georgetown, California. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in CA.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 16, 2026

Georgetown, California Rates & Resources