MonitorBankRates
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Beacon Falls, Connecticut Best CD Rates August 2026

Current Beacon Falls, Connecticut CD rates include DR BankDR BankA+5.0 ★Texas Ratio: 0.38%Real return: +1.50%APY minus CPI (February 2026) offering 12 month at 4.30% APY, USALLIANCEUSALLIANCEB4.5 ★Texas Ratio: 6.66%Real return: +1.45%APY minus CPI (February 2026) offering 24 Month Certificate at 4.25% APY, New Haven County Credit UnionNew Haven County Credit UnionA+5.0 ★Texas Ratio: 5.27%Real return: +1.28%APY minus CPI (February 2026) offering Share Certificate - 1 year at 4.08% APY, Sikorsky Credit UnionSikorsky Credit UnionA+5.0 ★Texas Ratio: 1.09%Real return: +1.20%APY minus CPI (February 2026) offering Share & IRA Certificates 36 Months at 4.00% APY, and First County BankFirst County BankA+5.0 ★Texas Ratio: 2.27%Real return: +1.20%APY minus CPI (February 2026) offering 3 Month at 4.00% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.

Beacon Falls is a smaller community with no bank or credit union branches currently in our database. 473 institutions serving the Connecticut area are available to Beacon Falls residents, with CD rates as high as 4.30% APY from DR Bank. Rates are continually updated — 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: August 28, 2026

Compare Best CD Rates in Beacon Falls, Connecticut & the Surrounding Area

Beacon Falls 3 Month CD Rates

Connecticut 3 Month CD Average1.32% APYNational 1.96%▼ 0.71% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
3 month
$500
4.05% ▲ 2.73% above Connecticut avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▲ 2.73% above avgNationally 1.96%
Details

First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
3 Month
$0
4.00% ▲ 2.68% above Connecticut avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▲ 2.68% above avgNationally 1.96%
Details

Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
3 Month CD
$1,000
3.79% ▲ 2.47% above Connecticut avg
Rate3.72%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▲ 2.47% above avgNationally 1.96%
Details

Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
3 Month Certificate
$0
3.70% ▲ 2.38% above Connecticut avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▲ 2.38% above avgNationally 1.96%
Details

Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
Business 3 Month Certificate
$0
3.70% ▲ 2.38% above Connecticut avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▲ 2.38% above avgNationally 1.96%
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
Star Relationship CD - 3 Month
$0
3.50% ▲ 2.18% above Connecticut avg
Rate3.39%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▲ 2.18% above avgNationally 1.96%
Details

Star Relationship CD

Northwest Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
3 Month Time Deposit & IRA
$500
3.45% ▲ 2.13% above Connecticut avg
Rate3.40%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▲ 2.13% above avgNationally 1.96%
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
3-Month Share Certificate
$1,000
3.26% ▲ 1.94% above Connecticut avg
Rate3.20%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▲ 1.94% above avgNationally 1.96%
Details

Penalty for early withdrawal: 3 Months Dividends

Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
3 Month
$0
3.00% ▲ 1.68% above Connecticut avg
Rate2.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▲ 1.68% above avgNationally 1.96%
Details

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
3-Month Business CD
$0
3.00% ▲ 1.68% above Connecticut avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▲ 1.68% above avgNationally 1.96%
Details

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
3-Month CD
$0
3.00% ▲ 1.68% above Connecticut avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▲ 1.68% above avgNationally 1.96%
Details

Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
3 Month Certificate
$500
2.80% ▲ 1.48% above Connecticut avg
Rate2.76%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▲ 1.48% above avgNationally 1.96%
Details

New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
3 month
$0
2.00% ▲ 0.68% above Connecticut avg
Rate1.98%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▲ 0.68% above avgNationally 1.96%
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Month
$0
1.00% ▼ 0.32% below Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▼ 0.32% below avgNationally 1.96%
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Month TD Choice CD
$250
1.00% ▼ 0.32% below Connecticut avg
Rate
Min Deposit$250
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▼ 0.32% below avgNationally 1.96%
Details

Relationship APY

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
3 Month Certificate
$0
1.00% ▼ 0.32% below Connecticut avg
Rate1.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▼ 0.32% below avgNationally 1.96%
Details

United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
3 month Certificate
$1,000
1.00% ▼ 0.32% below Connecticut avg
Rate1.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▼ 0.32% below avgNationally 1.96%
Details

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
Investment Share and IRA Certificates 3 Months
$0
1.00% ▼ 0.32% below Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▼ 0.32% below avgNationally 1.96%
Details

Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Share & IRA Certificates 3 Months
$500
0.90% ▼ 0.42% below Connecticut avg
Rate0.90%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▼ 0.42% below avgNationally 1.96%
Details

Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
3 Month Certificate
$0
0.75% ▼ 0.57% below Connecticut avg
Rate0.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▼ 0.57% below avgNationally 1.96%
Details

Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
3 Months
$0
0.50% ▼ 0.82% below Connecticut avg
Rate0.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▼ 0.82% below avgNationally 1.96%
Details

GHA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
90 Days Certificate
$0
0.25% ▼ 1.07% below Connecticut avg
Rate0.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▼ 1.07% below avgNationally 1.96%
Details

American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
IRA Certificate 3-Month
$0
0.15% ▼ 1.17% below Connecticut avg
Rate0.15%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▼ 1.17% below avgNationally 1.96%
Details

Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
3 Month CD
$0
0.15% ▼ 1.17% below Connecticut avg
Rate0.15%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▼ 1.17% below avgNationally 1.96%
Details

Early Withdrawal Penalty: 30 Days Interest

Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
3 Month CD & IRA
$0
0.15% ▼ 1.17% below Connecticut avg
Rate0.15%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▼ 1.17% below avgNationally 1.96%
Details

Early Withdrawal Penalty: 30 Days Interest

Charter Oak Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
3 Month Share Certificate
$0
0.15% ▼ 1.17% below Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▼ 1.17% below avgNationally 1.96%
Details

Windsor Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
Business Certificates of Deposit (CDs) - 3 Months
$1,000
0.10% ▼ 1.22% below Connecticut avg
Rate0.10%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▼ 1.22% below avgNationally 1.96%
Details

Windsor Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
IRA CD 3 Months
$1,000
0.10% ▼ 1.22% below Connecticut avg
Rate0.10%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▼ 1.22% below avgNationally 1.96%
Details

ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
3 Month
$500
0.10% ▼ 1.22% below Connecticut avg
Rate0.10%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▼ 1.22% below avgNationally 1.96%
Details

Until Maturity

CorePlus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3 Month Certificate
$500
0.10% ▼ 1.22% below Connecticut avg
Rate0.10%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▼ 1.22% below avgNationally 1.96%
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06% ▼ 1.26% below Connecticut avg
Rate0.06%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▼ 1.26% below avgNationally 1.96%
Details

Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Interest Rate
$2,500
0.06% ▼ 1.26% below Connecticut avg
Rate0.06%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▼ 1.26% below avgNationally 1.96%
Details

Relationship APY 0.06%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.05% ▼ 1.27% below Connecticut avg
Rate0.05%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▼ 1.27% below avgNationally 1.96%
Details

Relationship APY 0.06%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Interest Rate
$2,500
0.05% ▼ 1.27% below Connecticut avg
Rate0.05%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▼ 1.27% below avgNationally 1.96%
Details

Relationship Interest Rate 0.06%

PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
3 Month
$1,000
0.05% ▼ 1.27% below Connecticut avg
Rate0.05%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.32%▼ 1.27% below avgNationally 1.96%
Details

Beacon Falls 6 Month CD Rates

Connecticut 6 Month CD Average2.00% APYNational 2.67%▼ 0.68% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
6 month
$500
4.30% ▲ 2.30% above Connecticut avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 2.30% above avgNationally 2.67%
Details

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
6-Month CD
$0
4.00% ▲ 2.00% above Connecticut avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 2.00% above avgNationally 2.67%
Details

FD Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
6 Month CD Only
$500
4.00% ▲ 2.00% above Connecticut avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 2.00% above avgNationally 2.67%
Details

dividends compounded monthly. Early withdrawal penalty = 90 days dividend.

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
6-Month Share Certificate
$1,000
3.87% ▲ 1.87% above Connecticut avg
Rate3.80%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.87% above avgNationally 2.67%
Details

Penalty for early withdrawal: 3 Months Dividends

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
6-Month Business CD
$0
3.80% ▲ 1.80% above Connecticut avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.80% above avgNationally 2.67%
Details

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
6-Month HSA CD
$0
3.80% ▲ 1.80% above Connecticut avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.80% above avgNationally 2.67%
Details

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
IRA Certificates 6 months
$0
3.79% ▲ 1.79% above Connecticut avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.79% above avgNationally 2.67%
Details

Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
6 Months
$0
3.76% ▲ 1.76% above Connecticut avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.76% above avgNationally 2.67%
Details

American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
IRA Certificate 6-Month
$0
3.75% ▲ 1.75% above Connecticut avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.75% above avgNationally 2.67%
Details

United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
6 month Certificate
$1,000
3.75% ▲ 1.75% above Connecticut avg
Rate3.69%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.75% above avgNationally 2.67%
Details

Wellness Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
6 Month CD
$0
3.75% ▲ 1.75% above Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.75% above avgNationally 2.67%
Details

Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
6 Month Certificate
$500
3.75% ▲ 1.75% above Connecticut avg
Rate3.68%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.75% above avgNationally 2.67%
Details

Lawrence Memorial Hospital Employees FCU
Institution Rating:
A5.0 ★Texas Ratio: 0.01%
6 month Share Certificate
$0
3.75% ▲ 1.75% above Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.75% above avgNationally 2.67%
Details

Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
6 Months
$0
3.56% ▲ 1.56% above Connecticut avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.56% above avgNationally 2.67%
Details

Achieve Financial Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.59%
6 Months
$0
3.56% ▲ 1.56% above Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.56% above avgNationally 2.67%
Details

Achieve Financial Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.59%
Share Certificate 6 Months
$0
3.56% ▲ 1.56% above Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.56% above avgNationally 2.67%
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
Star Relationship CD - 6 Month
$0
3.50% ▲ 1.50% above Connecticut avg
Rate3.39%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.50% above avgNationally 2.67%
Details

Star Relationship CD

Thomaston Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
Business Certificate of Deposit - Fixed Rate 6 Months
$1,000
3.50% ▲ 1.50% above Connecticut avg
Rate3.45%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.50% above avgNationally 2.67%
Details

Daily balance to earn APY

Thomaston Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
Certificate of Deposit - Fixed Rate 6 Months
$1,000
3.50% ▲ 1.50% above Connecticut avg
Rate3.45%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.50% above avgNationally 2.67%
Details

All terms available for Individual Retirement Accounts (IRA). $1,000 - $249,999.99 Daily balance to earn APY. Deposit rates are subject to change without notice. Withdrawals and fees may reduce earnings. Interest is compounded daily and credited to the account every month. A penalty may be imposed for early withdrawal of principal prior to maturity. The annual percentage yield (APY) assumes that interest remains on deposit until maturity. Daily balances below $1,000 do not earn APY.

Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
6 Month CD
$1,000
3.50% ▲ 1.50% above Connecticut avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.50% above avgNationally 2.67%
Details

Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
6 Month Certificate
$0
3.50% ▲ 1.50% above Connecticut avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.50% above avgNationally 2.67%
Details

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
6 Months
$0
3.30% ▲ 1.30% above Connecticut avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.30% above avgNationally 2.67%
Details

MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Share Certificate/IRA Certificate 6 Months
$0
3.30% ▲ 1.30% above Connecticut avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.30% above avgNationally 2.67%
Details

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
6 Month Cert.
$0
3.25% ▲ 1.25% above Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.25% above avgNationally 2.67%
Details

Featured Rate

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
6 Month Certificate
$0
3.25% ▲ 1.25% above Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.25% above avgNationally 2.67%
Details

Rates are accurate as of 7/25/25. Rates may change after account opening.

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
Investment Share and IRA Certificates 6 Months
$0
3.25% ▲ 1.25% above Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.25% above avgNationally 2.67%
Details

Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
6 Month Certificate
$0
3.04% ▲ 1.04% above Connecticut avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.04% above avgNationally 2.67%
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
6 Month
$0
3.00% ▲ 1.00% above Connecticut avg
Rate2.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.00% above avgNationally 2.67%
Details

ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
6 Month
$500
3.00% ▲ 1.00% above Connecticut avg
Rate2.92%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.00% above avgNationally 2.67%
Details

Until Maturity

Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
6 Month CD
$0
3.00% ▲ 1.00% above Connecticut avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.00% above avgNationally 2.67%
Details

Early Withdrawal Penalty: 90 Days Interest

Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
6 Month CD & IRA
$0
3.00% ▲ 1.00% above Connecticut avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 1.00% above avgNationally 2.67%
Details

Early Withdrawal Penalty: 90 Days Interest

First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
6 Month
$0
2.75% ▲ 0.75% above Connecticut avg
Rate2.71%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 0.75% above avgNationally 2.67%
Details

ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
6 Month Smart Choice Liquid CD
$50,000
2.75% ▲ 0.75% above Connecticut avg
Rate2.68%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 0.75% above avgNationally 2.67%
Details

Until Maturity

New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
6 month
$0
2.50% ▲ 0.50% above Connecticut avg
Rate2.47%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 0.50% above avgNationally 2.67%
Details

Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
6 Month Certificate
$0
2.28% ▲ 0.28% above Connecticut avg
Rate2.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▲ 0.28% above avgNationally 2.67%
Details

Northwest Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
6 Month Time Deposit & IRA
$500
2.00% At Connecticut avg
Rate1.98%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%At the averageNationally 2.67%
Details

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
6 Month Certificate
$0
2.00% At Connecticut avg
Rate2.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%At the averageNationally 2.67%
Details

Connecticut Labor Dept Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6 month term
$500
2.00% At Connecticut avg
Rate2.00%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%At the averageNationally 2.67%
Details

Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
182 Day / 6 Month
$0
1.76% ▼ 0.24% below Connecticut avg
Rate1.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▼ 0.24% below avgNationally 2.67%
Details

Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
182 Day / 6 Month
$0
1.51% ▼ 0.49% below Connecticut avg
Rate1.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▼ 0.49% below avgNationally 2.67%
Details

Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Share & IRA Certificates 6 Months
$500
1.25% ▼ 0.75% below Connecticut avg
Rate1.24%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▼ 0.75% below avgNationally 2.67%
Details

Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
CD & IRA - 6 Months
$1,000
1.20% ▼ 0.80% below Connecticut avg
Rate1.19%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▼ 0.80% below avgNationally 2.67%
Details

Community Healthcare Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
6 Months
$0
1.01% ▼ 0.99% below Connecticut avg
Rate1.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▼ 0.99% below avgNationally 2.67%
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
6 Month TD Choice CD
$250
1.00% ▼ 1.00% below Connecticut avg
Rate
Min Deposit$250
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▼ 1.00% below avgNationally 2.67%
Details

Relationship APY

Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
182 Day / 6 Month
$0
1.00% ▼ 1.00% below Connecticut avg
Rate1.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▼ 1.00% below avgNationally 2.67%
Details

Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
6 Month Certificate
$0
1.00% ▼ 1.00% below Connecticut avg
Rate1.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▼ 1.00% below avgNationally 2.67%
Details

Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
Business 6 Month Certificate
$0
1.00% ▼ 1.00% below Connecticut avg
Rate1.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▼ 1.00% below avgNationally 2.67%
Details

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
6 Month
$0
0.80% ▼ 1.20% below Connecticut avg
Rate0.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▼ 1.20% below avgNationally 2.67%
Details

Jewett City Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
6 Months
$1,000
0.75% ▼ 1.25% below Connecticut avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▼ 1.25% below avgNationally 2.67%
Details

A penalty may be imposed for early withdrawal.

Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
6 Months
$0
0.75% ▼ 1.25% below Connecticut avg
Rate0.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.00%▼ 1.25% below avgNationally 2.67%
Details

Beacon Falls 12 Month CD Rates

Connecticut 12 Month CD Average1.89% APYNational 2.83%▼ 0.19% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
12 month
$500
4.30% ▲ 2.41% above Connecticut avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 2.41% above avgNationally 2.83%
Details

New Haven County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
Share Certificate - 1 year
$0
4.08% ▲ 2.19% above Connecticut avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 2.19% above avgNationally 2.83%
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
1-Year Share Certificate
$1,000
3.87% ▲ 1.98% above Connecticut avg
Rate3.80%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.98% above avgNationally 2.83%
Details

Penalty for early withdrawal: 3 Months Dividends

Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
1 Year
$0
3.76% ▲ 1.87% above Connecticut avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.87% above avgNationally 2.83%
Details

Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Share & IRA Certificates 12 Months Jumbo
$100,000
3.75% ▲ 1.86% above Connecticut avg
Rate3.69%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.86% above avgNationally 2.83%
Details

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
IRA Certificates 12 months
$0
3.75% ▲ 1.86% above Connecticut avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.86% above avgNationally 2.83%
Details

Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
12 Month Certificate
$0
3.65% ▲ 1.76% above Connecticut avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.76% above avgNationally 2.83%
Details

FD Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
12 Month
$500
3.65% ▲ 1.76% above Connecticut avg
Rate3.59%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.76% above avgNationally 2.83%
Details

dividends compounded monthly. Early withdrawal penalty = 180 days dividend.

Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Share & IRA Certificates 12 Months
$500
3.60% ▲ 1.71% above Connecticut avg
Rate3.54%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.71% above avgNationally 2.83%
Details

Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
IRA Accounts - 1 Year
$0
3.57% ▲ 1.68% above Connecticut avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.68% above avgNationally 2.83%
Details

Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
12 Months
$0
3.56% ▲ 1.67% above Connecticut avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.67% above avgNationally 2.83%
Details

Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
CD & IRA - 12 Months
$1,000
3.50% ▲ 1.61% above Connecticut avg
Rate3.45%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.61% above avgNationally 2.83%
Details

Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
12 Month Certificate
$500
3.50% ▲ 1.61% above Connecticut avg
Rate3.44%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.61% above avgNationally 2.83%
Details

Tobacco Valley Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1 Year Share Certificate
$1,000
3.40% ▲ 1.51% above Connecticut avg
Rate3.40%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.51% above avgNationally 2.83%
Details

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
1 Year Certificate
$0
3.35% ▲ 1.46% above Connecticut avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.46% above avgNationally 2.83%
Details

MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Share Certificate/IRA Certificate 12 Months
$0
3.30% ▲ 1.41% above Connecticut avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.41% above avgNationally 2.83%
Details

Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
12 Month Certificate
$1,000
3.30% ▲ 1.41% above Connecticut avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.41% above avgNationally 2.83%
Details

Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
12 Month Certificate
$0
3.30% ▲ 1.41% above Connecticut avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.41% above avgNationally 2.83%
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
Star Relationship CD - 1 Year
$0
3.27% ▲ 1.38% above Connecticut avg
Rate3.17%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.38% above avgNationally 2.83%
Details

Star Relationship CD

Connecticut Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
12 Month IRA
$500
3.25% ▲ 1.36% above Connecticut avg
Rate3.20%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.36% above avgNationally 2.83%
Details

Until Maturity

United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
12 month Certificate
$1,000
3.25% ▲ 1.36% above Connecticut avg
Rate3.20%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.36% above avgNationally 2.83%
Details

Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
12 Months
$0
3.25% ▲ 1.36% above Connecticut avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.36% above avgNationally 2.83%
Details

Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
IRA Certificate 12 Months
$0
3.25% ▲ 1.36% above Connecticut avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.36% above avgNationally 2.83%
Details

First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Year IRA CD
$0
3.15% ▲ 1.26% above Connecticut avg
Rate3.06%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.26% above avgNationally 2.83%
Details

Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
12 Month CD
$1,000
3.10% ▲ 1.21% above Connecticut avg
Rate3.05%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.21% above avgNationally 2.83%
Details

Achieve Financial Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.59%
12 Months
$0
3.05% ▲ 1.16% above Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.16% above avgNationally 2.83%
Details

Achieve Financial Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.59%
Share Certificate 12 Months
$0
3.05% ▲ 1.16% above Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.16% above avgNationally 2.83%
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
1 Year
$0
3.00% ▲ 1.11% above Connecticut avg
Rate2.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.11% above avgNationally 2.83%
Details

Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
1 Year CD
$0
3.00% ▲ 1.11% above Connecticut avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.11% above avgNationally 2.83%
Details

Early Withdrawal Penalty: 180 Days Interest

Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
1 Year CD & IRA
$0
3.00% ▲ 1.11% above Connecticut avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.11% above avgNationally 2.83%
Details

Early Withdrawal Penalty: 180 Days Interest

Thomaston Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
Business Certificate of Deposit - Fixed Rate 12 Months
$1,000
2.95% ▲ 1.06% above Connecticut avg
Rate2.92%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.06% above avgNationally 2.83%
Details

Daily balance to earn APY

Thomaston Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
Certificate of Deposit - Fixed Rate 12 Months
$1,000
2.95% ▲ 1.06% above Connecticut avg
Rate2.92%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 1.06% above avgNationally 2.83%
Details

All terms available for Individual Retirement Accounts (IRA). $1,000 - $249,999.99 Daily balance to earn APY. Deposit rates are subject to change without notice. Withdrawals and fees may reduce earnings. Interest is compounded daily and credited to the account every month. A penalty may be imposed for early withdrawal of principal prior to maturity. The annual percentage yield (APY) assumes that interest remains on deposit until maturity. Daily balances below $1,000 do not earn APY.

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
1-Year CD
$0
2.75% ▲ 0.86% above Connecticut avg
Rate2.72%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 0.86% above avgNationally 2.83%
Details

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
1-Year HSA CD
$0
2.75% ▲ 0.86% above Connecticut avg
Rate2.72%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 0.86% above avgNationally 2.83%
Details

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
Investment Share and IRA Certificates 12 Months
$0
2.75% ▲ 0.86% above Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 0.86% above avgNationally 2.83%
Details

GHA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
1 Year Certificate
$0
2.53% ▲ 0.64% above Connecticut avg
Rate2.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 0.64% above avgNationally 2.83%
Details

New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
1 year
$0
2.50% ▲ 0.61% above Connecticut avg
Rate2.47%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 0.61% above avgNationally 2.83%
Details

Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
12 Month
$0
2.02% ▲ 0.13% above Connecticut avg
Rate2.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 0.13% above avgNationally 2.83%
Details

Northwest Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
1 Year Time Deposit & IRA
$500
2.00% ▲ 0.11% above Connecticut avg
Rate1.98%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 0.11% above avgNationally 2.83%
Details

ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
12 Month
$500
2.00% ▲ 0.11% above Connecticut avg
Rate1.96%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 0.11% above avgNationally 2.83%
Details

Until Maturity

Connecticut Labor Dept Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
1 year term
$500
2.00% ▲ 0.11% above Connecticut avg
Rate2.00%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▲ 0.11% above avgNationally 2.83%
Details

United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
12 month IRA Certificate
$0
1.80% ▼ 0.09% below Connecticut avg
Rate1.79%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▼ 0.09% below avgNationally 2.83%
Details

Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
12 Month
$0
1.76% ▼ 0.13% below Connecticut avg
Rate1.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▼ 0.13% below avgNationally 2.83%
Details

American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
IRA Certificate 12-Month
$0
1.65% ▼ 0.24% below Connecticut avg
Rate1.64%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▼ 0.24% below avgNationally 2.83%
Details

Community Healthcare Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
12 Months
$0
1.65% ▼ 0.24% below Connecticut avg
Rate1.64%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▼ 0.24% below avgNationally 2.83%
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Fixed Rate CD
$2,500
1.51% ▼ 0.38% below Connecticut avg
Rate1.50%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▼ 0.38% below avgNationally 2.83%
Details

Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 1.50%.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Interest Rate
$2,500
1.51% ▼ 0.38% below Connecticut avg
Rate1.50%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▼ 0.38% below avgNationally 2.83%
Details

Relationship APY 1.51%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Fixed Rate CD
$2,500
1.50% ▼ 0.39% below Connecticut avg
Rate1.49%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▼ 0.39% below avgNationally 2.83%
Details

Relationship APY 1.51%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Interest Rate
$2,500
1.50% ▼ 0.39% below Connecticut avg
Rate1.49%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▼ 0.39% below avgNationally 2.83%
Details

Relationship Interest Rate 1.50%

Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
12 Months
$0
1.25% ▼ 0.64% below Connecticut avg
Rate0.10%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.89%▼ 0.64% below avgNationally 2.83%
Details

Beacon Falls 18 Month CD Rates

Connecticut 18 Month CD Average2.58% APYNational 2.67%▲ 0.46% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
18 Month
$500
4.00% ▲ 1.42% above Connecticut avg
Rate3.87%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▲ 1.42% above avgNationally 2.67%
Details

Until Maturity

M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
18-Month M&T Select CD
$0
3.85% ▲ 1.27% above Connecticut avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▲ 1.27% above avgNationally 2.67%
Details

Northwest Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
18 Month Time Deposit & IRA
$500
3.80% ▲ 1.22% above Connecticut avg
Rate3.74%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▲ 1.22% above avgNationally 2.67%
Details

Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
18 Month CD
$0
3.75% ▲ 1.17% above Connecticut avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▲ 1.17% above avgNationally 2.67%
Details

Early Withdrawal Penalty: 180 Days Interest

Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
18 Month CD & IRA
$0
3.75% ▲ 1.17% above Connecticut avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▲ 1.17% above avgNationally 2.67%
Details

Early Withdrawal Penalty: 180 Days Interest

Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
18-Month CD
$500
3.75% ▲ 1.17% above Connecticut avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▲ 1.17% above avgNationally 2.67%
Details

Limited time in-branch offer!

Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
18-Month CD
$0
3.75% ▲ 1.17% above Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▲ 1.17% above avgNationally 2.67%
Details

First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18 Month No Penalty
$0
3.65% ▲ 1.07% above Connecticut avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▲ 1.07% above avgNationally 2.67%
Details

No Penalty

Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Share & IRA Certificates 18 Months
$500
3.60% ▲ 1.02% above Connecticut avg
Rate3.54%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▲ 1.02% above avgNationally 2.67%
Details

Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
18 Months
$0
3.56% ▲ 0.98% above Connecticut avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▲ 0.98% above avgNationally 2.67%
Details

Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
18 Month CD
$1,000
3.40% ▲ 0.82% above Connecticut avg
Rate3.34%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▲ 0.82% above avgNationally 2.67%
Details

Thomaston Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
Business Certificate of Deposit - Fixed Rate 18 Months
$1,000
3.30% ▲ 0.72% above Connecticut avg
Rate3.26%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▲ 0.72% above avgNationally 2.67%
Details

Daily balance to earn APY

Thomaston Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
Certificate of Deposit - Fixed Rate 18 Months
$1,000
3.30% ▲ 0.72% above Connecticut avg
Rate3.26%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▲ 0.72% above avgNationally 2.67%
Details

All terms available for Individual Retirement Accounts (IRA). $1,000 - $249,999.99 Daily balance to earn APY. Deposit rates are subject to change without notice. Withdrawals and fees may reduce earnings. Interest is compounded daily and credited to the account every month. A penalty may be imposed for early withdrawal of principal prior to maturity. The annual percentage yield (APY) assumes that interest remains on deposit until maturity. Daily balances below $1,000 do not earn APY.

Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
18 Month IRA
$500
3.30% ▲ 0.72% above Connecticut avg
Rate3.25%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▲ 0.72% above avgNationally 2.67%
Details

American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
IRA Certificate 18-Month
$0
3.25% ▲ 0.67% above Connecticut avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▲ 0.67% above avgNationally 2.67%
Details

Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
18 Month Certificate
$500
3.25% ▲ 0.67% above Connecticut avg
Rate3.20%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▲ 0.67% above avgNationally 2.67%
Details

Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
18 Months
$0
3.25% ▲ 0.67% above Connecticut avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▲ 0.67% above avgNationally 2.67%
Details

Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
IRA Certificate 18 Months
$0
3.25% ▲ 0.67% above Connecticut avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▲ 0.67% above avgNationally 2.67%
Details

Finex Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.72%
18 Month Special-NEW MONEY ONLY
$1,000
3.25% ▲ 0.67% above Connecticut avg
Rate3.20%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▲ 0.67% above avgNationally 2.67%
Details

Premier Membership; Rates as of August 13, 2026. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day, then compounded and credited every month. Minimum of $1,000 to open. Contact [email protected] for CD rates greater $75,000.

MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Share Certificate/IRA Certificate 18 Months
$0
3.04% ▲ 0.46% above Connecticut avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▲ 0.46% above avgNationally 2.67%
Details

New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
18 month
$0
3.00% ▲ 0.42% above Connecticut avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▲ 0.42% above avgNationally 2.67%
Details

First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18 Month IRA CD
$0
3.00% ▲ 0.42% above Connecticut avg
Rate2.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▲ 0.42% above avgNationally 2.67%
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
Star Relationship CD - 18 Month
$0
2.76% ▲ 0.18% above Connecticut avg
Rate2.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▲ 0.18% above avgNationally 2.67%
Details

Star Relationship CD

First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18 Month
$0
2.75% ▲ 0.17% above Connecticut avg
Rate2.72%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▲ 0.17% above avgNationally 2.67%
Details

Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
18 Month Certificate
$0
2.60% ▲ 0.02% above Connecticut avg
Rate2.57%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▲ 0.02% above avgNationally 2.67%
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
18 Month
$0
2.50% ▼ 0.08% below Connecticut avg
Rate2.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▼ 0.08% below avgNationally 2.67%
Details

Thomaston Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
Business Certificate of Deposit - Variable Rate 18 Months
$25
2.50% ▼ 0.08% below Connecticut avg
Rate2.48%
Min Deposit$25
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▼ 0.08% below avgNationally 2.67%
Details

Variable Rate - deposits allowed during term. You must maintain a minimum balance of $25 in the account each day to obtain the disclosed APY.

Thomaston Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
Certificate of Deposit - Variable Rate 18 Months
$25
2.50% ▼ 0.08% below Connecticut avg
Rate2.48%
Min Deposit$25
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▼ 0.08% below avgNationally 2.67%
Details

All terms also available for Individual Retirement Accounts (IRA). Deposits allowed during the term. Deposit rates are subject to change without notice. Withdrawals and fees may reduce earnings. Interest is compounded daily and credited to the account every month. A penalty may be imposed for early withdrawal of principal prior to maturity from certificate accounts. The annual percentage yield (APY) assumes that interest remains on deposit until maturity. You must maintain a minimum balance of $25 in the account each day to obtain the disclosed APY.

Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
18 Month
$0
2.02% ▼ 0.56% below Connecticut avg
Rate2.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▼ 0.56% below avgNationally 2.67%
Details

Achieve Financial Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.59%
18 Months
$0
2.02% ▼ 0.56% below Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▼ 0.56% below avgNationally 2.67%
Details

Achieve Financial Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.59%
Share Certificate 18 Months
$0
2.02% ▼ 0.56% below Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▼ 0.56% below avgNationally 2.67%
Details

Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
18 Month Certificate
$0
2.02% ▼ 0.56% below Connecticut avg
Rate2.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▼ 0.56% below avgNationally 2.67%
Details

Jewett City Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
18 Month Bump-Up CD
$1,000
2.00% ▼ 0.58% below Connecticut avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▼ 0.58% below avgNationally 2.67%
Details

Annual Percentage Yield (APY) is accurate as of July 7, 2026 and subject to change before account opening. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal. At the account holder's request, the interest rate and APY may be increased one time during the 18-month term of the CD prior to maturity without penalty to the current interest rate and APY available for new CDs of the same type at the time of the request. This feature is available only if the interest rate and APY available for new CDs of the same type have increased during the term of the CD. The new rate will be paid from the time of the request until the maturity date.

FD Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
18 Month
$500
2.00% ▼ 0.58% below Connecticut avg
Rate1.98%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▼ 0.58% below avgNationally 2.67%
Details

dividends compounded monthly. Early withdrawal penalty = 180 days dividend.

Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
CD & IRA - 18 Months
$1,000
1.80% ▼ 0.78% below Connecticut avg
Rate1.78%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▼ 0.78% below avgNationally 2.67%
Details

United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
18 month IRA Certificate
$0
1.80% ▼ 0.78% below Connecticut avg
Rate1.79%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▼ 0.78% below avgNationally 2.67%
Details

Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
18 Month
$0
1.76% ▼ 0.82% below Connecticut avg
Rate1.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▼ 0.82% below avgNationally 2.67%
Details

United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
18 month Certificate
$1,000
1.75% ▼ 0.83% below Connecticut avg
Rate1.74%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▼ 0.83% below avgNationally 2.67%
Details

Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
18 Months
$0
1.50% ▼ 1.08% below Connecticut avg
Rate1.49%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▼ 1.08% below avgNationally 2.67%
Details

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
18 Months
$0
1.15% ▼ 1.43% below Connecticut avg
Rate1.14%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▼ 1.43% below avgNationally 2.67%
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
18 Month
$0
1.00% ▼ 1.58% below Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▼ 1.58% below avgNationally 2.67%
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
18 Month TD Choice CD
$250
1.00% ▼ 1.58% below Connecticut avg
Rate
Min Deposit$250
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▼ 1.58% below avgNationally 2.67%
Details

Relationship APY

Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
18 Month
$0
1.00% ▼ 1.58% below Connecticut avg
Rate1.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▼ 1.58% below avgNationally 2.67%
Details

Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
18 Month Certificate
$0
1.00% ▼ 1.58% below Connecticut avg
Rate1.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▼ 1.58% below avgNationally 2.67%
Details

Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
Business 18 Month Certificate
$0
1.00% ▼ 1.58% below Connecticut avg
Rate1.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▼ 1.58% below avgNationally 2.67%
Details

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
18 Month
$0
1.00% ▼ 1.58% below Connecticut avg
Rate1.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▼ 1.58% below avgNationally 2.67%
Details

Finex Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.72%
18 month
$1,000
0.85% ▼ 1.73% below Connecticut avg
Rate0.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▼ 1.73% below avgNationally 2.67%
Details

Premier Membership; Rates as of August 13, 2026. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day, then compounded and credited every month. Minimum of $1,000 to open. Contact [email protected] for CD rates greater $75,000.

Finex Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.72%
18 month
$1,000
0.70% ▼ 1.88% below Connecticut avg
Rate0.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▼ 1.88% below avgNationally 2.67%
Details

General Membership; Rates as of August 13, 2026. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day, then compounded and credited every month. Minimum of $1,000 to open. Contact [email protected] for CD rates greater $75,000.

Charter Oak Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
18 Month
$0
0.50% ▼ 2.08% below Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▼ 2.08% below avgNationally 2.67%
Details

Lawrence Memorial Hospital Employees FCU
Institution Rating:
A5.0 ★Texas Ratio: 0.01%
18 month Share Certificate
$0
0.50% ▼ 2.08% below Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average2.58%▼ 2.08% below avgNationally 2.67%
Details

Beacon Falls 24 Month CD Rates

Connecticut 24 Month CD Average1.60% APYNational 2.71%▼ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 6.66%
24 Month Certificate
$0
4.25% ▲ 2.65% above Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 2.65% above avgNationally 2.71%
Details

Special Rate

United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
24 month IRA Certificate
$0
4.00% ▲ 2.40% above Connecticut avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 2.40% above avgNationally 2.71%
Details

Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
2 Years
$0
3.81% ▲ 2.21% above Connecticut avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 2.21% above avgNationally 2.71%
Details

Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
2 Years
$0
3.81% ▲ 2.21% above Connecticut avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 2.21% above avgNationally 2.71%
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
2-Year Share Certificate
$1,000
3.77% ▲ 2.17% above Connecticut avg
Rate3.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 2.17% above avgNationally 2.71%
Details

Penalty for early withdrawal: 6 Months Dividends

Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Share & IRA Certificates 24 Months
$500
3.75% ▲ 2.15% above Connecticut avg
Rate3.69%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 2.15% above avgNationally 2.71%
Details

Tobacco Valley Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
2 Year Share Certificate
$0
3.55% ▲ 1.95% above Connecticut avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 1.95% above avgNationally 2.71%
Details

Northwest Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
2 Year Time Deposit & IRA
$500
3.50% ▲ 1.90% above Connecticut avg
Rate3.45%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 1.90% above avgNationally 2.71%
Details

Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
24 Month CD
$1,000
3.50% ▲ 1.90% above Connecticut avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 1.90% above avgNationally 2.71%
Details

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
24-Month Term Share
$0
3.50% ▲ 1.90% above Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 1.90% above avgNationally 2.71%
Details

Promotional Dividend Rate

Tobacco Valley Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
2 Year Share Certificate
$1,000
3.45% ▲ 1.85% above Connecticut avg
Rate3.45%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 1.85% above avgNationally 2.71%
Details

Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
24 Month Certificate
$1,000
3.40% ▲ 1.80% above Connecticut avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 1.80% above avgNationally 2.71%
Details

Thomaston Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
Business Certificate of Deposit - Fixed Rate 24 Months
$1,000
3.35% ▲ 1.75% above Connecticut avg
Rate3.30%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 1.75% above avgNationally 2.71%
Details

Daily balance to earn APY

Thomaston Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
Certificate of Deposit - Fixed Rate 24 Months
$1,000
3.35% ▲ 1.75% above Connecticut avg
Rate3.30%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 1.75% above avgNationally 2.71%
Details

All terms available for Individual Retirement Accounts (IRA). $1,000 - $249,999.99 Daily balance to earn APY. Deposit rates are subject to change without notice. Withdrawals and fees may reduce earnings. Interest is compounded daily and credited to the account every month. A penalty may be imposed for early withdrawal of principal prior to maturity. The annual percentage yield (APY) assumes that interest remains on deposit until maturity. Daily balances below $1,000 do not earn APY.

Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
24 Months
$0
3.35% ▲ 1.75% above Connecticut avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 1.75% above avgNationally 2.71%
Details

Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
IRA Certificate 24 Months
$0
3.35% ▲ 1.75% above Connecticut avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 1.75% above avgNationally 2.71%
Details

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
IRA Certificates 24 months
$0
3.29% ▲ 1.69% above Connecticut avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 1.69% above avgNationally 2.71%
Details

FD Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
24 Month
$500
3.25% ▲ 1.65% above Connecticut avg
Rate3.20%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 1.65% above avgNationally 2.71%
Details

dividends compounded monthly. Early withdrawal penalty = 180 days dividend.

MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Share Certificate/IRA Certificate 24 Months
$0
3.04% ▲ 1.44% above Connecticut avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 1.44% above avgNationally 2.71%
Details

New Haven County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
Share Certificate - 2 year
$0
3.03% ▲ 1.43% above Connecticut avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 1.43% above avgNationally 2.71%
Details

New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
2 year
$0
3.00% ▲ 1.40% above Connecticut avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 1.40% above avgNationally 2.71%
Details

First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2 1/2 Year IRA CD
$0
3.00% ▲ 1.40% above Connecticut avg
Rate2.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 1.40% above avgNationally 2.71%
Details

First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
24 Month
$0
3.00% ▲ 1.40% above Connecticut avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 1.40% above avgNationally 2.71%
Details

ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
2 Year
$500
3.00% ▲ 1.40% above Connecticut avg
Rate2.92%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 1.40% above avgNationally 2.71%
Details

Until Maturity

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
2 Year Certificate
$0
3.00% ▲ 1.40% above Connecticut avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 1.40% above avgNationally 2.71%
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
Star Relationship CD - 2 Year
$0
2.76% ▲ 1.16% above Connecticut avg
Rate2.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 1.16% above avgNationally 2.71%
Details

Star Relationship CD

Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
24 Month Certificate
$0
2.70% ▲ 1.10% above Connecticut avg
Rate2.67%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 1.10% above avgNationally 2.71%
Details

Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
IRA Accounts - 2 Year
$0
2.53% ▲ 0.93% above Connecticut avg
Rate2.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 0.93% above avgNationally 2.71%
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
2 Year
$0
2.50% ▲ 0.90% above Connecticut avg
Rate2.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 0.90% above avgNationally 2.71%
Details

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
Investment Share and IRA Certificates 24 Months
$0
2.50% ▲ 0.90% above Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 0.90% above avgNationally 2.71%
Details

Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
CD & IRA - 24 Months
$1,000
2.25% ▲ 0.65% above Connecticut avg
Rate2.23%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 0.65% above avgNationally 2.71%
Details

Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
2 Year
$0
2.02% ▲ 0.42% above Connecticut avg
Rate2.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 0.42% above avgNationally 2.71%
Details

Achieve Financial Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.59%
24 Months
$0
2.02% ▲ 0.42% above Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 0.42% above avgNationally 2.71%
Details

Achieve Financial Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.59%
Share Certificate 24 Months
$0
2.02% ▲ 0.42% above Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 0.42% above avgNationally 2.71%
Details

Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
24 Month Certificate
$0
2.02% ▲ 0.42% above Connecticut avg
Rate2.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 0.42% above avgNationally 2.71%
Details

United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
24 month Certificate
$1,000
2.00% ▲ 0.40% above Connecticut avg
Rate1.98%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 0.40% above avgNationally 2.71%
Details

Connecticut Labor Dept Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
2 year term
$500
2.00% ▲ 0.40% above Connecticut avg
Rate2.00%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 0.40% above avgNationally 2.71%
Details

Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
2 Year
$0
1.76% ▲ 0.16% above Connecticut avg
Rate1.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 0.16% above avgNationally 2.71%
Details

Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
24 Months
$0
1.75% ▲ 0.15% above Connecticut avg
Rate1.74%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▲ 0.15% above avgNationally 2.71%
Details

Jewett City Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
2 1/2 Years
$1,000
1.25% ▼ 0.35% below Connecticut avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▼ 0.35% below avgNationally 2.71%
Details

A penalty may be imposed for early withdrawal.

Jewett City Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
2 Years
$1,000
1.25% ▼ 0.35% below Connecticut avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▼ 0.35% below avgNationally 2.71%
Details

A penalty may be imposed for early withdrawal.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
2 Years
$0
1.20% ▼ 0.40% below Connecticut avg
Rate1.19%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▼ 0.40% below avgNationally 2.71%
Details

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2-Year CD
$0
1.05% ▼ 0.55% below Connecticut avg
Rate1.04%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▼ 0.55% below avgNationally 2.71%
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
24 Month
$0
1.00% ▼ 0.60% below Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▼ 0.60% below avgNationally 2.71%
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
24 Month TD Choice CD
$250
1.00% ▼ 0.60% below Connecticut avg
Rate
Min Deposit$250
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▼ 0.60% below avgNationally 2.71%
Details

Relationship APY

Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
2 Year
$0
1.00% ▼ 0.60% below Connecticut avg
Rate1.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▼ 0.60% below avgNationally 2.71%
Details

Jewett City Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1 1/2 Years
$1,000
1.00% ▼ 0.60% below Connecticut avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▼ 0.60% below avgNationally 2.71%
Details

A penalty may be imposed for early withdrawal.

Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
24 Month Certificate
$0
1.00% ▼ 0.60% below Connecticut avg
Rate1.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▼ 0.60% below avgNationally 2.71%
Details

Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
Business 24 Month Certificate
$0
1.00% ▼ 0.60% below Connecticut avg
Rate1.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▼ 0.60% below avgNationally 2.71%
Details

Finex Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.72%
24 month
$1,000
0.90% ▼ 0.70% below Connecticut avg
Rate0.90%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.60%▼ 0.70% below avgNationally 2.71%
Details

Premier Membership; Rates as of August 13, 2026. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day, then compounded and credited every month. Minimum of $1,000 to open. Contact [email protected] for CD rates greater $75,000.

Beacon Falls 36 Month CD Rates

Connecticut 36 Month CD Average1.86% APYNational 2.66%▼ 0.09% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Share & IRA Certificates 36 Months
$500
4.00% ▲ 2.14% above Connecticut avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 2.14% above avgNationally 2.66%
Details

Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
3 Years
$0
3.87% ▲ 2.01% above Connecticut avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 2.01% above avgNationally 2.66%
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
3-Year Share Certificate
$1,000
3.82% ▲ 1.96% above Connecticut avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 1.96% above avgNationally 2.66%
Details

Penalty for early withdrawal: 9 Months Dividends

Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
3 Year CD
$0
3.75% ▲ 1.89% above Connecticut avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 1.89% above avgNationally 2.66%
Details

Early Withdrawal Penalty: 365 Days Interest

Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
3 Year CD & IRA
$0
3.75% ▲ 1.89% above Connecticut avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 1.89% above avgNationally 2.66%
Details

Early Withdrawal Penalty: 365 Days Interest

Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
3-Year CD
$500
3.75% ▲ 1.89% above Connecticut avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 1.89% above avgNationally 2.66%
Details

Limited time in-branch offer!

Tobacco Valley Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
3 Year Share Certificate
$0
3.60% ▲ 1.74% above Connecticut avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 1.74% above avgNationally 2.66%
Details

Northwest Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
3 Year Time Deposit & IRA
$500
3.50% ▲ 1.64% above Connecticut avg
Rate3.45%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 1.64% above avgNationally 2.66%
Details

Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
36 Month CD
$1,000
3.50% ▲ 1.64% above Connecticut avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 1.64% above avgNationally 2.66%
Details

Tobacco Valley Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
3 Year Share Certificate
$1,000
3.50% ▲ 1.64% above Connecticut avg
Rate3.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 1.64% above avgNationally 2.66%
Details

Thomaston Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
Business Certificate of Deposit - Fixed Rate 36 Months
$1,000
3.40% ▲ 1.54% above Connecticut avg
Rate3.35%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 1.54% above avgNationally 2.66%
Details

Daily balance to earn APY

Thomaston Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
Certificate of Deposit - Fixed Rate 36 Months
$1,000
3.40% ▲ 1.54% above Connecticut avg
Rate3.35%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 1.54% above avgNationally 2.66%
Details

All terms available for Individual Retirement Accounts (IRA). $1,000 - $249,999.99 Daily balance to earn APY. Deposit rates are subject to change without notice. Withdrawals and fees may reduce earnings. Interest is compounded daily and credited to the account every month. A penalty may be imposed for early withdrawal of principal prior to maturity. The annual percentage yield (APY) assumes that interest remains on deposit until maturity. Daily balances below $1,000 do not earn APY.

Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
36 Months
$0
3.35% ▲ 1.49% above Connecticut avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 1.49% above avgNationally 2.66%
Details

Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
IRA Certificate 36 Months
$0
3.35% ▲ 1.49% above Connecticut avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 1.49% above avgNationally 2.66%
Details

First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
36 Month
$0
3.25% ▲ 1.39% above Connecticut avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 1.39% above avgNationally 2.66%
Details

Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Month IRA
$500
3.05% ▲ 1.19% above Connecticut avg
Rate3.00%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 1.19% above avgNationally 2.66%
Details

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
IRA Certificates 36 months
$0
3.03% ▲ 1.17% above Connecticut avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 1.17% above avgNationally 2.66%
Details

NCUA-insured: Yes

New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
3 year
$0
3.00% ▲ 1.14% above Connecticut avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 1.14% above avgNationally 2.66%
Details

ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
3 Year
$500
3.00% ▲ 1.14% above Connecticut avg
Rate2.92%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 1.14% above avgNationally 2.66%
Details

Until Maturity

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
3 Year Certificate
$0
3.00% ▲ 1.14% above Connecticut avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 1.14% above avgNationally 2.66%
Details

Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Month Certificate
$500
3.00% ▲ 1.14% above Connecticut avg
Rate2.96%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 1.14% above avgNationally 2.66%
Details

Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
36 Month Certificate
$0
2.85% ▲ 0.99% above Connecticut avg
Rate2.81%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 0.99% above avgNationally 2.66%
Details

Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
IRA Accounts - 3 Year
$0
2.54% ▲ 0.68% above Connecticut avg
Rate2.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 0.68% above avgNationally 2.66%
Details

Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
3 Years
$0
2.53% ▲ 0.67% above Connecticut avg
Rate2.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 0.67% above avgNationally 2.66%
Details

Achieve Financial Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.59%
36 Months
$0
2.53% ▲ 0.67% above Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 0.67% above avgNationally 2.66%
Details

Achieve Financial Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.59%
Share Certificate 36 Months
$0
2.53% ▲ 0.67% above Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 0.67% above avgNationally 2.66%
Details

MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Share Certificate/IRA Certificate 36 Months
$0
2.53% ▲ 0.67% above Connecticut avg
Rate2.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 0.67% above avgNationally 2.66%
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
Star Relationship CD - 3 Year
$0
2.50% ▲ 0.64% above Connecticut avg
Rate2.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 0.64% above avgNationally 2.66%
Details

Star Relationship CD

Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
CD & IRA - 36 Months
$1,000
2.50% ▲ 0.64% above Connecticut avg
Rate2.47%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 0.64% above avgNationally 2.66%
Details

New Haven County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
Share Certificate - 3 year
$0
2.43% ▲ 0.57% above Connecticut avg
Rate2.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 0.57% above avgNationally 2.66%
Details

United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
36 month IRA Certificate
$0
2.30% ▲ 0.44% above Connecticut avg
Rate2.28%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 0.44% above avgNationally 2.66%
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
3 Year
$0
2.25% ▲ 0.39% above Connecticut avg
Rate2.19%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 0.39% above avgNationally 2.66%
Details

FD Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
36 Month
$500
2.25% ▲ 0.39% above Connecticut avg
Rate2.23%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 0.39% above avgNationally 2.66%
Details

dividends compounded monthly. Early withdrawal penalty = 180 days dividend.

United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
36 month Certificate
$1,000
2.25% ▲ 0.39% above Connecticut avg
Rate2.23%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 0.39% above avgNationally 2.66%
Details

Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
3 Year
$0
2.02% ▲ 0.16% above Connecticut avg
Rate2.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 0.16% above avgNationally 2.66%
Details

Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
36 Month Certificate
$0
2.02% ▲ 0.16% above Connecticut avg
Rate2.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 0.16% above avgNationally 2.66%
Details

Connecticut Labor Dept Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
3 year term
$500
2.00% ▲ 0.14% above Connecticut avg
Rate2.00%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▲ 0.14% above avgNationally 2.66%
Details

Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
3 Year
$0
1.76% ▼ 0.10% below Connecticut avg
Rate1.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▼ 0.10% below avgNationally 2.66%
Details

Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
36 Months
$0
1.75% ▼ 0.11% below Connecticut avg
Rate1.74%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▼ 0.11% below avgNationally 2.66%
Details

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
3 Years
$0
1.45% ▼ 0.41% below Connecticut avg
Rate1.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▼ 0.41% below avgNationally 2.66%
Details

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
3-Year CD
$0
1.25% ▼ 0.61% below Connecticut avg
Rate1.24%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▼ 0.61% below avgNationally 2.66%
Details

Jewett City Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3 Years
$1,000
1.25% ▼ 0.61% below Connecticut avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▼ 0.61% below avgNationally 2.66%
Details

A penalty may be imposed for early withdrawal.

Finex Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.72%
36 month
$1,000
1.00% ▼ 0.86% below Connecticut avg
Rate1.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▼ 0.86% below avgNationally 2.66%
Details

Premier Membership; Rates as of August 13, 2026. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day, then compounded and credited every month. Minimum of $1,000 to open. Contact [email protected] for CD rates greater $75,000.

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Year
$0
1.00% ▼ 0.86% below Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▼ 0.86% below avgNationally 2.66%
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Year TD Choice CD
$250
1.00% ▼ 0.86% below Connecticut avg
Rate
Min Deposit$250
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▼ 0.86% below avgNationally 2.66%
Details

Relationship APY

Finex Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.72%
36 month
$1,000
0.85% ▼ 1.01% below Connecticut avg
Rate0.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▼ 1.01% below avgNationally 2.66%
Details

General Membership; Rates as of August 13, 2026. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day, then compounded and credited every month. Minimum of $1,000 to open. Contact [email protected] for CD rates greater $75,000.

Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
36 Month Certificate
$0
0.85% ▼ 1.01% below Connecticut avg
Rate0.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▼ 1.01% below avgNationally 2.66%
Details

Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
Business 36 Month Certificate
$0
0.85% ▼ 1.01% below Connecticut avg
Rate0.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▼ 1.01% below avgNationally 2.66%
Details

CorePlus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3 Year Certificate
$500
0.85% ▼ 1.01% below Connecticut avg
Rate0.85%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▼ 1.01% below avgNationally 2.66%
Details

GHA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
3 Year Certificate
$0
0.60% ▼ 1.26% below Connecticut avg
Rate0.60%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.86%▼ 1.26% below avgNationally 2.66%
Details

Beacon Falls 48 Month CD Rates

Connecticut 48 Month CD Average1.91% APYNational 2.65%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
4 Years
$0
3.92% ▲ 2.01% above Connecticut avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 2.01% above avgNationally 2.65%
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
4-Year Share Certificate
$1,000
3.77% ▲ 1.86% above Connecticut avg
Rate3.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 1.86% above avgNationally 2.65%
Details

Penalty for early withdrawal: 9 Months Dividends

Northwest Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4 Year Time Deposit & IRA
$500
3.50% ▲ 1.59% above Connecticut avg
Rate3.45%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 1.59% above avgNationally 2.65%
Details

Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
48 Month CD
$1,000
3.50% ▲ 1.59% above Connecticut avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 1.59% above avgNationally 2.65%
Details

Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
4 Year CD
$0
3.50% ▲ 1.59% above Connecticut avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 1.59% above avgNationally 2.65%
Details

Early Withdrawal Penalty: 365 Days Interest

Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
4 Year CD & IRA
$0
3.50% ▲ 1.59% above Connecticut avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 1.59% above avgNationally 2.65%
Details

Early Withdrawal Penalty: 365 Days Interest

Thomaston Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
Business Certificate of Deposit - Fixed Rate 48 Months
$1,000
3.45% ▲ 1.54% above Connecticut avg
Rate3.40%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 1.54% above avgNationally 2.65%
Details

Daily balance to earn APY

Thomaston Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
Certificate of Deposit - Fixed Rate 48 Months
$1,000
3.45% ▲ 1.54% above Connecticut avg
Rate3.40%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 1.54% above avgNationally 2.65%
Details

All terms available for Individual Retirement Accounts (IRA). $1,000 - $249,999.99 Daily balance to earn APY. Deposit rates are subject to change without notice. Withdrawals and fees may reduce earnings. Interest is compounded daily and credited to the account every month. A penalty may be imposed for early withdrawal of principal prior to maturity. The annual percentage yield (APY) assumes that interest remains on deposit until maturity. Daily balances below $1,000 do not earn APY.

Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
48 Months
$0
3.35% ▲ 1.44% above Connecticut avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 1.44% above avgNationally 2.65%
Details

Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
IRA Certificate 48 Months
$0
3.35% ▲ 1.44% above Connecticut avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 1.44% above avgNationally 2.65%
Details

New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
4 year
$0
3.00% ▲ 1.09% above Connecticut avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 1.09% above avgNationally 2.65%
Details

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
4 Year Certificate
$0
3.00% ▲ 1.09% above Connecticut avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 1.09% above avgNationally 2.65%
Details

Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
48 Month Certificate
$0
2.95% ▲ 1.04% above Connecticut avg
Rate2.91%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 1.04% above avgNationally 2.65%
Details

Achieve Financial Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.59%
48 Months
$0
2.79% ▲ 0.88% above Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 0.88% above avgNationally 2.65%
Details

Achieve Financial Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.59%
Share Certificate 48 Months
$0
2.79% ▲ 0.88% above Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 0.88% above avgNationally 2.65%
Details

MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Share Certificate/IRA Certificate 48 Months
$0
2.78% ▲ 0.87% above Connecticut avg
Rate2.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 0.87% above avgNationally 2.65%
Details

FD Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
48 Month
$500
2.75% ▲ 0.84% above Connecticut avg
Rate2.72%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 0.84% above avgNationally 2.65%
Details

dividends compounded monthly. Early withdrawal penalty = 180 days dividend.

New Haven County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
Share Certificate - 4 year
$0
2.63% ▲ 0.72% above Connecticut avg
Rate2.60%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 0.72% above avgNationally 2.65%
Details

Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
CD & IRA - 48 Months
$1,000
2.55% ▲ 0.64% above Connecticut avg
Rate2.52%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 0.64% above avgNationally 2.65%
Details

United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
48 month IRA Certificate
$0
2.55% ▲ 0.64% above Connecticut avg
Rate2.52%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 0.64% above avgNationally 2.65%
Details

Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
IRA Accounts - 4 Year
$0
2.54% ▲ 0.63% above Connecticut avg
Rate2.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 0.63% above avgNationally 2.65%
Details

Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
4 Years
$0
2.53% ▲ 0.62% above Connecticut avg
Rate2.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 0.62% above avgNationally 2.65%
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
Star Relationship CD - 4 Year
$0
2.50% ▲ 0.59% above Connecticut avg
Rate2.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 0.59% above avgNationally 2.65%
Details

Star Relationship CD

ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
4 Year
$500
2.50% ▲ 0.59% above Connecticut avg
Rate2.44%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 0.59% above avgNationally 2.65%
Details

Until Maturity

United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
48 month Certificate
$1,000
2.50% ▲ 0.59% above Connecticut avg
Rate2.47%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 0.59% above avgNationally 2.65%
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
4 Year
$0
2.25% ▲ 0.34% above Connecticut avg
Rate2.19%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 0.34% above avgNationally 2.65%
Details

Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
4 Year
$0
2.02% ▲ 0.11% above Connecticut avg
Rate2.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 0.11% above avgNationally 2.65%
Details

Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
48 Month Certificate
$0
2.02% ▲ 0.11% above Connecticut avg
Rate2.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 0.11% above avgNationally 2.65%
Details

Connecticut Labor Dept Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
4 year term
$500
2.00% ▲ 0.09% above Connecticut avg
Rate2.00%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 0.09% above avgNationally 2.65%
Details

Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
48 Months
$0
2.00% ▲ 0.09% above Connecticut avg
Rate1.98%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▲ 0.09% above avgNationally 2.65%
Details

Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
4 Year
$0
1.76% ▼ 0.15% below Connecticut avg
Rate1.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▼ 0.15% below avgNationally 2.65%
Details

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
4 Years
$0
1.65% ▼ 0.26% below Connecticut avg
Rate1.63%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▼ 0.26% below avgNationally 2.65%
Details

Jewett City Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
4 Years
$1,000
1.50% ▼ 0.41% below Connecticut avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▼ 0.41% below avgNationally 2.65%
Details

A penalty may be imposed for early withdrawal.

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
4-Year CD
$0
1.35% ▼ 0.56% below Connecticut avg
Rate1.34%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▼ 0.56% below avgNationally 2.65%
Details

Finex Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.72%
48 month
$1,000
1.11% ▼ 0.80% below Connecticut avg
Rate1.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▼ 0.80% below avgNationally 2.65%
Details

Premier Membership; Rates as of August 13, 2026. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day, then compounded and credited every month. Minimum of $1,000 to open. Contact [email protected] for CD rates greater $75,000.

CorePlus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
4 Year Certificate
$500
1.00% ▼ 0.91% below Connecticut avg
Rate0.99%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▼ 0.91% below avgNationally 2.65%
Details

Finex Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.72%
48 month
$1,000
0.90% ▼ 1.01% below Connecticut avg
Rate0.90%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▼ 1.01% below avgNationally 2.65%
Details

General Membership; Rates as of August 13, 2026. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day, then compounded and credited every month. Minimum of $1,000 to open. Contact [email protected] for CD rates greater $75,000.

Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
48 Month Certificate
$0
0.85% ▼ 1.06% below Connecticut avg
Rate0.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▼ 1.06% below avgNationally 2.65%
Details

Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
Business 48 Month Certificate
$0
0.85% ▼ 1.06% below Connecticut avg
Rate0.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▼ 1.06% below avgNationally 2.65%
Details

GHA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4 Year Certificate
$0
0.70% ▼ 1.21% below Connecticut avg
Rate0.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▼ 1.21% below avgNationally 2.65%
Details

American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
IRA Certificate 48-Month
$0
0.60% ▼ 1.31% below Connecticut avg
Rate0.60%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▼ 1.31% below avgNationally 2.65%
Details

First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
48 Month
$0
0.50% ▼ 1.41% below Connecticut avg
Rate0.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▼ 1.41% below avgNationally 2.65%
Details

Charter Oak Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
48 Month
$0
0.50% ▼ 1.41% below Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▼ 1.41% below avgNationally 2.65%
Details

Lawrence Memorial Hospital Employees FCU
Institution Rating:
A5.0 ★Texas Ratio: 0.01%
48 month IRA
$0
0.50% ▼ 1.41% below Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▼ 1.41% below avgNationally 2.65%
Details

Lawrence Memorial Hospital Employees FCU
Institution Rating:
A5.0 ★Texas Ratio: 0.01%
48 month Share Certificate
$0
0.50% ▼ 1.41% below Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▼ 1.41% below avgNationally 2.65%
Details

Windsor Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
Business Certificates of Deposit (CDs) - 48 Months
$1,000
0.40% ▼ 1.51% below Connecticut avg
Rate0.40%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▼ 1.51% below avgNationally 2.65%
Details

Windsor Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
IRA CD 48 Months
$1,000
0.40% ▼ 1.51% below Connecticut avg
Rate0.40%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▼ 1.51% below avgNationally 2.65%
Details

PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
48 Month
$1,000
0.30% ▼ 1.61% below Connecticut avg
Rate0.30%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.91%▼ 1.61% below avgNationally 2.65%
Details

Beacon Falls 60 Month CD Rates

Connecticut 60 Month CD Average1.54% APYNational 2.76%▼ 0.23% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Share & IRA Certificates 60 Months
$500
4.00% ▲ 2.46% above Connecticut avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 2.46% above avgNationally 2.76%
Details

Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
5 Years
$0
3.92% ▲ 2.38% above Connecticut avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 2.38% above avgNationally 2.76%
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
5-Year Share Certificate
$1,000
3.82% ▲ 2.28% above Connecticut avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 2.28% above avgNationally 2.76%
Details

Penalty for early withdrawal: 9 Months Dividends

Thomaston Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
Business Certificate of Deposit - Fixed Rate 60 Months
$1,000
3.50% ▲ 1.96% above Connecticut avg
Rate3.45%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 1.96% above avgNationally 2.76%
Details

Daily balance to earn APY

Thomaston Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
Certificate of Deposit - Fixed Rate 60 Months
$1,000
3.50% ▲ 1.96% above Connecticut avg
Rate3.45%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 1.96% above avgNationally 2.76%
Details

All terms available for Individual Retirement Accounts (IRA). $1,000 - $249,999.99 Daily balance to earn APY. Deposit rates are subject to change without notice. Withdrawals and fees may reduce earnings. Interest is compounded daily and credited to the account every month. A penalty may be imposed for early withdrawal of principal prior to maturity. The annual percentage yield (APY) assumes that interest remains on deposit until maturity. Daily balances below $1,000 do not earn APY.

Northwest Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
5 Year Time Deposit & IRA
$500
3.50% ▲ 1.96% above Connecticut avg
Rate3.45%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 1.96% above avgNationally 2.76%
Details

Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
60 Month CD
$1,000
3.50% ▲ 1.96% above Connecticut avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 1.96% above avgNationally 2.76%
Details

Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
60 Months
$0
3.35% ▲ 1.81% above Connecticut avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 1.81% above avgNationally 2.76%
Details

Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
IRA Certificate 60 Months
$0
3.35% ▲ 1.81% above Connecticut avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 1.81% above avgNationally 2.76%
Details

Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
60 Month Certificate
$0
3.05% ▲ 1.51% above Connecticut avg
Rate3.01%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 1.51% above avgNationally 2.76%
Details

United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
60 month IRA Certificate
$0
3.05% ▲ 1.51% above Connecticut avg
Rate3.01%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 1.51% above avgNationally 2.76%
Details

Achieve Financial Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.59%
60 Months
$0
3.05% ▲ 1.51% above Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 1.51% above avgNationally 2.76%
Details

Achieve Financial Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.59%
Share Certificate 60 Months
$0
3.05% ▲ 1.51% above Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 1.51% above avgNationally 2.76%
Details

New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
5 year
$0
3.00% ▲ 1.46% above Connecticut avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 1.46% above avgNationally 2.76%
Details

FD Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
60 Month
$500
3.00% ▲ 1.46% above Connecticut avg
Rate2.96%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 1.46% above avgNationally 2.76%
Details

dividends compounded monthly. Early withdrawal penalty = 180 days dividend.

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
5 Year Certificate
$0
3.00% ▲ 1.46% above Connecticut avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 1.46% above avgNationally 2.76%
Details

United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
60 month Certificate
$1,000
3.00% ▲ 1.46% above Connecticut avg
Rate2.96%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 1.46% above avgNationally 2.76%
Details

Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
60 Months
$0
3.00% ▲ 1.46% above Connecticut avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 1.46% above avgNationally 2.76%
Details

New Haven County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
Share Certificate - 5 year
$0
2.84% ▲ 1.30% above Connecticut avg
Rate2.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 1.30% above avgNationally 2.76%
Details

MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Share Certificate/IRA Certificate 60 Months
$0
2.78% ▲ 1.24% above Connecticut avg
Rate2.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 1.24% above avgNationally 2.76%
Details

Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
IRA Accounts - 5 Year
$0
2.54% ▲ 1.00% above Connecticut avg
Rate2.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 1.00% above avgNationally 2.76%
Details

Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
5 Years
$0
2.53% ▲ 0.99% above Connecticut avg
Rate2.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 0.99% above avgNationally 2.76%
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
Star Relationship CD - 5 Year
$0
2.50% ▲ 0.96% above Connecticut avg
Rate2.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 0.96% above avgNationally 2.76%
Details

Star Relationship CD

ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
5 Year
$500
2.50% ▲ 0.96% above Connecticut avg
Rate2.44%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 0.96% above avgNationally 2.76%
Details

Until Maturity

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
Investment Share and IRA Certificates 60 Months
$0
2.50% ▲ 0.96% above Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 0.96% above avgNationally 2.76%
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
5 Year
$0
2.25% ▲ 0.71% above Connecticut avg
Rate2.19%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 0.71% above avgNationally 2.76%
Details

Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
5 Year
$0
2.02% ▲ 0.48% above Connecticut avg
Rate2.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 0.48% above avgNationally 2.76%
Details

Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
60 Month Certificate
$0
2.02% ▲ 0.48% above Connecticut avg
Rate2.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 0.48% above avgNationally 2.76%
Details

Jewett City Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
5 Years
$1,000
2.00% ▲ 0.46% above Connecticut avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 0.46% above avgNationally 2.76%
Details

A penalty may be imposed for early withdrawal.

Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
5 Year
$0
1.76% ▲ 0.22% above Connecticut avg
Rate1.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 0.22% above avgNationally 2.76%
Details

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
5 Years
$0
1.75% ▲ 0.21% above Connecticut avg
Rate1.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 0.21% above avgNationally 2.76%
Details

Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
CD & IRA - 60 Months
$1,000
1.70% ▲ 0.16% above Connecticut avg
Rate1.69%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▲ 0.16% above avgNationally 2.76%
Details

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
5-Year CD
$0
1.45% ▼ 0.09% below Connecticut avg
Rate1.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▼ 0.09% below avgNationally 2.76%
Details

CorePlus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
5 Year Certificate
$1,000
1.25% ▼ 0.29% below Connecticut avg
Rate1.24%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▼ 0.29% below avgNationally 2.76%
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5 Year
$0
1.00% ▼ 0.54% below Connecticut avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▼ 0.54% below avgNationally 2.76%
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5 Year TD Choice CD
$250
1.00% ▼ 0.54% below Connecticut avg
Rate
Min Deposit$250
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▼ 0.54% below avgNationally 2.76%
Details

Relationship APY

Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
60 Month Certificate
$0
1.00% ▼ 0.54% below Connecticut avg
Rate1.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▼ 0.54% below avgNationally 2.76%
Details

Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
Business 60 Month Certificate
$0
1.00% ▼ 0.54% below Connecticut avg
Rate1.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▼ 0.54% below avgNationally 2.76%
Details

GHA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
5 Year Certificate
$0
0.80% ▼ 0.74% below Connecticut avg
Rate0.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▼ 0.74% below avgNationally 2.76%
Details

American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
IRA Certificate 60-Month
$0
0.75% ▼ 0.79% below Connecticut avg
Rate0.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▼ 0.79% below avgNationally 2.76%
Details

Finex Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.72%
60 month
$1,000
0.65% ▼ 0.89% below Connecticut avg
Rate0.65%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▼ 0.89% below avgNationally 2.76%
Details

General Membership; Rates as of August 13, 2026. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day, then compounded and credited every month. Minimum of $1,000 to open. Contact [email protected] for CD rates greater $75,000.

Connecticut Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
60 Month
$500
0.60% ▼ 0.94% below Connecticut avg
Rate0.59%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▼ 0.94% below avgNationally 2.76%
Details

Until Maturity

Connecticut Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
60 Month IRA
$2,500
0.60% ▼ 0.94% below Connecticut avg
Rate0.59%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▼ 0.94% below avgNationally 2.76%
Details

Until Maturity

Connecticut Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Business 60 Month
$500
0.60% ▼ 0.94% below Connecticut avg
Rate0.59%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▼ 0.94% below avgNationally 2.76%
Details

Until Maturity

First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
5 Year IRA CD
$0
0.55% ▼ 0.99% below Connecticut avg
Rate0.54%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▼ 0.99% below avgNationally 2.76%
Details

First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 Month
$0
0.55% ▼ 0.99% below Connecticut avg
Rate0.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▼ 0.99% below avgNationally 2.76%
Details

Windsor Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
Business Certificates of Deposit (CDs) - 60 Months
$1,000
0.50% ▼ 1.04% below Connecticut avg
Rate0.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▼ 1.04% below avgNationally 2.76%
Details

Windsor Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
IRA CD 60 Months
$1,000
0.50% ▼ 1.04% below Connecticut avg
Rate0.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▼ 1.04% below avgNationally 2.76%
Details

Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
5 Year CD
$0
0.50% ▼ 1.04% below Connecticut avg
Rate0.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▼ 1.04% below avgNationally 2.76%
Details

Early Withdrawal Penalty: 365 Days Interest

Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
5 Year CD & IRA
$0
0.50% ▼ 1.04% below Connecticut avg
Rate0.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Connecticut Average1.54%▼ 1.04% below avgNationally 2.76%
Details

Early Withdrawal Penalty: 365 Days Interest

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 Beacon Falls, Connecticut Institutions

Highest verified APYs available today — updated August 28, 2026

B Top 5 Bank Rates
DR Bank
12 month
A+ 5.0 ★ TX: 0.38%
Min: $500
4.30%
USALLIANCE
24 Month Certificate
B 4.5 ★ TX: 6.66%
Min: $0
4.25%
First County Bank
3 Month
A+ 5.0 ★ TX: 2.27%
Min: $0
4.00%
Liberty Bank Middletown, CT
6-Month CD
A+ 5.0 ★ TX: 5.26%
Min: $0
4.00%
ives Bank
18 Month
A 5.0 ★ TX: 9.37%
Min: $500
4.00%
CU Top 5 Credit Union Rates
New Haven County Credit Union
Share Certificate - 1 year
A+ 5.0 ★ TX: 5.27%
Min: $0
4.08%
Sikorsky Credit Union
Share & IRA Certificates 36 Months
A+ 5.0 ★ TX: 1.09%
Min: $500
4.00%
FD Community Federal Credit Union
6 Month CD Only
A+ 5.0 ★ TX: 5.52%
Min: $500
4.00%
United Business and Industry Federal Credit Union
24 month IRA Certificate
A+ 5.0 ★ TX: 1.23%
Min: $0
4.00%
Police Federal Credit Union Of Connecticut
4 Years
A 5.0 ★ TX: 7.41%
Min: $0
3.92%
Rates verified August 28, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Beacon Falls, CT CD Rate Trends

Compare local Beacon Falls, CT 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 Connecticut CD Trends
12-Month CD — CT Avg
1.891%
▼ 0.188 vs 7 days ago

Connecticut 12-month CD rates fell 0.188 points over the past 7 days to 1.891% APY.

6-Month CD — CT Avg
1.999%
▼ 0.678 vs 7 days ago

Connecticut 6-month CD rates fell 0.678 points over the past 7 days to 1.999% APY.

As of Aug 29, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

CT CD Rate Forecast — Next 12 Months

Where are Connecticut CD rates headed through August 2027?

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

CT 12-Month Avg APY
1.891%
6-Month Forecast
1.891%
Range: 1.69% – 2.04%
12-Month Forecast
1.641%
Range: 1.44% – 1.79%

Data inputs: The central forecast uses CME FedWatch implied fed funds path and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Connecticut average 12-month CD APY in our database.

Spread model: The Connecticut 12-month CD average currently trades 2.48% 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% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

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 CT CD Rates Today

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

CD Term CT Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.323% $66.16 $132.32 $330.80 $661.60
6-Month CD 1.999% $99.96 $199.91 $499.78 $999.55
12-Month CD 1.891% $94.56 $189.11 $472.78 $945.55
18-Month CD 2.577% $128.86 $257.72 $644.30 $1,288.60
24-Month CD 1.603% $80.15 $160.30 $400.75 $801.50
36-Month CD 1.859% $92.96 $185.92 $464.80 $929.60
48-Month CD 1.905% $95.26 $190.51 $476.28 $952.55
60-Month CD 1.539% $76.94 $153.88 $384.70 $769.40
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026.

Sample CD Ladder for Beacon Falls, Connecticut Savers

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

Build Your Ladder
Rung Term Deposit CT Avg APY Annual Earnings
1 3-Month CD $5,000 1.323% $66.16
2 6-Month CD $5,000 1.999% $99.96
3 12-Month CD $5,000 1.891% $94.56
4 24-Month CD $5,000 1.603% $80.15
5 36-Month CD $5,000 1.859% $92.96
Total ($25,000 invested) $25,000 1.735% blended $433.79/yr

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

421
CD Rates
Tracked in Beacon Falls, Connecticut
24 Banks 32 Credit Unions

About Our Beacon Falls, Connecticut CD Rate Database

MonitorBankRates tracks 421 CD rates from 24 banks and 32 credit unions with locations in Beacon Falls, Connecticut, plus national online institutions available to Connecticut 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: DR Bank offers a CD at 4.30% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Beacon Falls, Connecticut.

How to Find the Best CD Rates in Beacon Falls, Connecticut

What to compare when shopping for a CD in Beacon Falls, Connecticut

To find the best APYs in Beacon Falls, Connecticut, start with credit unions and online-only banks — Beacon Falls, Connecticut has 32 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 Beacon Falls, Connecticut

  • 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 Beacon Falls, Connecticut — 56 institutions here report CD rates

Consider an Alternative If…

Connecticut Financial Snapshot

Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)

Population 65+
18.5%
National avg: 17.3%
Median Individual Earnings
$52,599
National avg: $47,340
Poverty Rate
10.0%
National avg: 11.1%
Unemployment Rate
5.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$99/yr
At CT 12-mo avg 1.891% APY

18.5% of residents are 65 or older, in line with the national average of 17.3%. At today’s CT 12-month CD average of 1.891%, saving 10% of the local median salary ($5,259/year) and putting it in a CD would earn an additional $99 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 Beacon Falls, Connecticut

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 Beacon Falls, Connecticut

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 Beacon Falls, Connecticut 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 Beacon Falls, Connecticut as everywhere in the U.S.

Choosing a CD Term in Beacon Falls, Connecticut

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Beacon Falls, Connecticut savers easier access to their funds. For example, DR Bank is offering its 6 month at 4.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Sikorsky Credit Union is offering its Share & IRA Certificates 60 Months at 4.00% 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 Beacon Falls, Connecticut 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 Beacon Falls, Connecticut 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 Beacon Falls, Connecticut

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 Beacon Falls, Connecticut 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 Beacon Falls, Connecticut

Most CDs carry a fixed rate that is locked for the entire term, protecting a Beacon Falls, Connecticut 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 Beacon Falls, Connecticut

Are CD rates in Beacon Falls, Connecticut FDIC insured?

Yes, most established banks in Beacon Falls, Connecticut 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 Beacon Falls, Connecticut?

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 Beacon Falls, Connecticut.

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 Beacon Falls, Connecticut 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 Beacon Falls, Connecticut?

Here are recent top rates found for this area:
  • DR Bank: 4.30% APY (12 month)
  • USALLIANCE: 4.25% APY (24 Month Certificate)
  • New Haven County Credit Union: 4.08% APY (Share Certificate - 1 year)
  • Sikorsky Credit Union: 4.00% APY (Share & IRA Certificates 36 Months)
  • First County Bank: 4.00% APY (3 Month)
  • Liberty Bank Middletown, CT: 4.00% APY (6-Month CD)
  • ives Bank: 4.00% APY (18 Month)
  • FD Community Federal Credit Union: 4.00% APY (6 Month CD Only)
  • United Business and Industry Federal Credit Union: 4.00% APY (24 month IRA Certificate)
  • Police Federal Credit Union Of Connecticut: 3.92% APY (4 Years)
Rates reflect recent verified offers available in Beacon Falls, Connecticut. Last Updated: August 28, 2026

Beacon Falls, Connecticut CD Calculator

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

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Beacon Falls, Connecticut CD Rates by Term

Verified August 28, 2026 — click a rate to use its term and APY
Highest verified APY per term available in Beacon Falls, Connecticut. Averages shown use the Connecticut state average where available, national otherwise. See the full rate tables above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Beacon Falls, Connecticut CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Beacon Falls, Connecticut 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 Beacon Falls, Connecticut. 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 CT.

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: August 28, 2026

Beacon Falls, Connecticut Rates & Resources