Hartford, Connecticut Best CD Rates October 2026
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Brian McKay
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Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Hartford, Connecticut CD rates range from 0.01% to 4.90% APY, verified by MonitorBankRates as of October 23, 2026. Current Hartford, Connecticut CD rates include TD BankTD Bank203 Trumbull St, Hartford, CT 06103A+5.0 ★Texas Ratio: 3.71%Real return: +0.60%APY minus CPIRate verified Oct 22, 2026 offering 24 Month TD Choice CD at 4.30% APY, Police Federal Credit Union Of ConnecticutPolice Federal Credit Union Of Connecticut253 High St, Hartford, CT 06103A5.0 ★Texas Ratio: 7.69%Real return: +0.58%APY minus CPIRate verified Oct 23, 2026 offering Term Share Certificate - 5 Years at 4.28% APY, Metropolitan District Employees Credit UnionMetropolitan District Employees Credit Union250 MURPHY RD, Hartford, CT 06114A5.0 ★Texas Ratio: 10.53%Real return: +0.35%APY minus CPIRate verified Oct 22, 2026 offering 12 Month IRA Share Certificate at 4.05% APY, Santander BankSantander Bank568 Franklin Ave, Hartford, CT 06114A5.0 ★Texas Ratio: 8.00%Real return: +0.30%APY minus CPIRate verified Oct 22, 2026 offering 18-Month CD at 4.00% APY, and Webster BankWebster Bank108 Farmington Ave, Hartford, CT 06105A+5.0 ★Texas Ratio: 4.34%Real return: +0.30%APY minus CPIRate verified Oct 22, 2026 offering Private 18 Month CD at 4.00% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Hartford has 117 local institutions in our database, with CD rates as high as 4.30% APY from TD Bank at 203 Trumbull St, Hartford, CT 06103. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Connecticut area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 23, 2026
Compare Best CD Rates in Hartford, Connecticut & the Surrounding Area
Hartford 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
250 MURPHY RD, Hartford, CT 06114
3 Month IRA Share Certificate
$1,000
4.05%
▲ 2.53% above Connecticut avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average1.52%▲ 2.53% above avgNationally 2.13%
Details
Effective Date: Thursday, October 22nd, 2026; The Dividend Rate and APY are fixed for the term of the account; 10 day period to add or withdraw without penalty; Early withdrawal penalty is half the term of interest
Rate History
No change since Oct 22, 2026 · 4.05% APY
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
250 MURPHY RD, Hartford, CT 06114
3 Month Share Certificates
$1,000
4.00%
▲ 2.48% above Connecticut avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average1.52%▲ 2.48% above avgNationally 2.13%
Details
Effective Date: Thursday, October 22nd, 2026
Rate History
No change since Oct 22, 2026 · 4.00% APY
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
100 Leibert Rd, Hartford, CT 06120 1617
Standard Share Certificate - 3 Month
$0
3.00%
▲ 1.48% above Connecticut avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average1.52%▲ 1.48% above avgNationally 2.13%
Details
All rates effective 10/1/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
84 Wadsworth St, Hartford, CT 06106
3 Month Certificate
$500
2.84%
▲ 1.32% above Connecticut avg
▼
Rate2.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average1.52%▲ 1.32% above avgNationally 2.13%
Details
Compounded: Daily
Rate History
1 change since Sep 14, 2026 · 2.80% → 2.84% ▲ 0.04 pts · high 2.84% / low 2.80%
- Oct 9, 20262.84%▲ from 2.80%
- Sep 14, 20262.80%first recorded
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
964 Asylum Ave, Hartford, CT 06105
Certificate and IRA Certificate - 3 Months
$2,500
2.02%
▲ 0.50% above Connecticut avg
▼
Rate2.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average1.52%▲ 0.50% above avgNationally 2.13%
Details
Dividend rate and APY on certificates; $2,500 minimum deposit required to earn stated rates; Jumbo certificate rates over $100,000 available by call
Rate History
1 change since Oct 13, 2026 · 1.00% → 2.02% ▲ 1.02 pts · high 2.02% / low 1.00%
- Oct 23, 20262.02%▲ from 1.00%
- Oct 13, 20261.00%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
203 Trumbull St, Hartford, CT 06103
3 Month TD Choice CD
$250
2.00%
▲ 0.48% above Connecticut avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average1.52%▲ 0.48% above avgNationally 2.13%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
203 Trumbull St, Hartford, CT 06103
3 Month TD Choice CD
$250
1.99%
▲ 0.47% above Connecticut avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average1.52%▲ 0.47% above avgNationally 2.13%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
15 Van Dyke Ave, Hartford, CT 06106 4812
3-Month Certificate
$0
0.15%
▼ 1.37% below Connecticut avg
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average1.52%▼ 1.37% below avgNationally 2.13%
Details
Minimum balance to open and earn APY is $500; Penalty may be imposed for early withdrawal
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 7 times
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
15 Van Dyke Ave, Hartford, CT 06106 4812
IRA Certificate - 3-Month
$500
0.15%
▼ 1.37% below Connecticut avg
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average1.52%▼ 1.37% below avgNationally 2.13%
Details
Rates apply to Traditional, Roth, and Education IRA certificates; penalty may be imposed for early withdrawal
Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
30 State House Sq, Hartford, CT 06103
Standard Fixed Rate CD 3 month - Relationship
$2,500
0.06%
▼ 1.46% below Connecticut avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average1.52%▼ 1.46% below avgNationally 2.13%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
30 State House Sq, Hartford, CT 06103
Standard Fixed Rate CD 3 month
$2,500
0.05%
▼ 1.47% below Connecticut avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average1.52%▼ 1.47% below avgNationally 2.13%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
108 Farmington Ave, Hartford, CT 06105
Private 3 Month CD
$0
0.02%
▼ 1.50% below Connecticut avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average1.52%▼ 1.50% below avgNationally 2.13%
Details
Balance: $500+; Private Checking account holders
Rate History
No change since Sep 9, 2026 · 0.02% APY · checked 3 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
108 Farmington Ave, Hartford, CT 06105
Personal CD - 3 Month
$0
0.01%
▼ 1.51% below Connecticut avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average1.52%▼ 1.51% below avgNationally 2.13%
Details
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 2 times
Atlantic Community Bankers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
CD - 3 Month
$0
4.32%
▲ 2.80% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average1.52%▲ 2.80% above avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 4.32% APY
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
Prime Certificates of Deposit - 3 month
$500
4.05%
▲ 2.53% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average1.52%▲ 2.53% above avgNationally 2.13%
Details
Minimum deposit of $500 to open and earn the APY; APY as of September 15, 2026
Rate History
No change since Oct 8, 2026 · 4.05% APY · checked 4 times
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
3 Month CD
$1,000
4.00%
▲ 2.48% above Connecticut avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average1.52%▲ 2.48% above avgNationally 2.13%
Details
Must be opened in branch; New Money Only (funds not currently on deposit with the Bank); Interest compounded and credited monthly; Penalty may apply for early withdrawal
Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 7 times
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
Certificate of Deposit - 3 Month
$0
4.00%
▲ 2.48% above Connecticut avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average1.52%▲ 2.48% above avgNationally 2.13%
Details
Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 7 times
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3 Month Certificates
$0
3.90%
▲ 2.38% above Connecticut avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average1.52%▲ 2.38% above avgNationally 2.13%
Details
Dividend rate from comparison table
Rate History
No change since Oct 22, 2026 · 3.90% APY
Northwest Community Bank
Institution Rating:
A4.9 ★Texas Ratio: 7.16%
3 Month Time Deposit & IRA
$500
3.70%
▲ 2.18% above Connecticut avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average1.52%▲ 2.18% above avgNationally 2.13%
Details
Rate History
1 change since Sep 24, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
- Oct 7, 20263.70%▲ from 3.45%
- Sep 24, 20263.45%first recorded
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
3 Month Certificate
$500
3.70%
▲ 2.18% above Connecticut avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average1.52%▲ 2.18% above avgNationally 2.13%
Details
Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 7 times
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
IRA Accounts - 3 Month Certificate
$500
3.70%
▲ 2.18% above Connecticut avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average1.52%▲ 2.18% above avgNationally 2.13%
Details
Rate History
No change since Oct 8, 2026 · 3.70% APY · checked 4 times
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
Star Relationship CD - 3 Month
$500
3.50%
▲ 1.98% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average1.52%▲ 1.98% above avgNationally 2.13%
Details
Star Relationship CD
Rate History
No change since Sep 8, 2026 · 3.50% APY · checked 3 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
3-Month Share Certificate
$1,000
3.35%
▲ 1.83% above Connecticut avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average1.52%▲ 1.83% above avgNationally 2.13%
Details
Penalty for early withdrawal: 3 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.26% → 3.35% ▲ 0.09 pts · high 3.35% / low 3.26%
- Sep 18, 20263.35%▲ from 3.26%
- Sep 14, 20263.26%first recorded
Ascend Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
3 MONTH BUSINESS CD SPECIAL
$5,000
3.25%
▲ 1.73% above Connecticut avg
▼
Rate3.20%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average1.52%▲ 1.73% above avgNationally 2.13%
Details
Balance to earn APY: $5,000.00; OPEN NOW (3 MO BUS CD SPECIAL)
Rate History
No change since Oct 22, 2026 · 3.25% APY
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
Certificate of Deposit (CD) - 3 Month
$500
3.00%
▲ 1.48% above Connecticut avg
▼
Rate2.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average1.52%▲ 1.48% above avgNationally 2.13%
Details
Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 2 times
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3-Month Business CD
$500
3.00%
▲ 1.48% above Connecticut avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average1.52%▲ 1.48% above avgNationally 2.13%
Details
Minimum to open $500 and minimum required to earn APY $500; Rates effective as of October 14, 2026; Business CDs are subject to a penalty for early withdrawal
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 6 times
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3-Month CD
$500
3.00%
▲ 1.48% above Connecticut avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average1.52%▲ 1.48% above avgNationally 2.13%
Details
Minimum to open $500; minimum required to earn APY $500; maximum deposit $250,000.00; subject to early withdrawal penalty
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 6 times
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
3-Month CD
$0
3.00%
▲ 1.48% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average1.52%▲ 1.48% above avgNationally 2.13%
Details
Premium APY (footnotes 1,2)
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
Share Certificate - 3 Months
$0
3.00%
▲ 1.48% above Connecticut avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average1.52%▲ 1.48% above avgNationally 2.13%
Details
Dividend Rate 2.96%; APY 3.00%
Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 2 times
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3 Month CD
$1,000
2.85%
▲ 1.33% above Connecticut avg
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average1.52%▲ 1.33% above avgNationally 2.13%
Details
Rate History
1 change since Sep 19, 2026 · 3.79% → 2.85% ▼ 0.94 pts · high 3.79% / low 2.85%
- Oct 20, 20262.85%▼ from 3.79%
- Sep 19, 20263.79%first recorded
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
IRA 3 Month CD
$1,000
2.85%
▲ 1.33% above Connecticut avg
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average1.52%▲ 1.33% above avgNationally 2.13%
Details
Rate History
No change since Oct 20, 2026 · 2.85% APY · checked 2 times
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
3 Month Share Certificate
$0
2.75%
▲ 1.23% above Connecticut avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average1.52%▲ 1.23% above avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 2.75% APY
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
IRA Share Certificate - 3 Month
$0
2.75%
▲ 1.23% above Connecticut avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average1.52%▲ 1.23% above avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 2.75% APY
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
3-Month CD
$0
2.75%
▲ 1.23% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average1.52%▲ 1.23% above avgNationally 2.13%
Details
Regular APY
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 3 times
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3 Month Certificate of Deposit
$500
2.00%
▲ 0.48% above Connecticut avg
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average1.52%▲ 0.48% above avgNationally 2.13%
Details
Regular and IRA certificates; early withdrawal penalties apply
Rate History
No change since Sep 11, 2026 · 2.00% APY · checked 4 times
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Certificate of Deposit - 3 month
$0
2.00%
▲ 0.48% above Connecticut avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average1.52%▲ 0.48% above avgNationally 2.13%
Details
Certificates of Deposit (Regular and IRAs)
Rate History
No change since Sep 11, 2026 · 2.00% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.55%
▲ 0.03% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average1.52%▲ 0.03% above avgNationally 2.13%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 1.55% APY
Hometown Bank Oxford, MA
Institution Rating:
B4.5 ★Texas Ratio: 21.49%
Certificate of Deposit 3 Months
$1,000
1.55%
▲ 0.03% above Connecticut avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average1.52%▲ 0.03% above avgNationally 2.13%
Details
Minimum opening deposit $1,000
Rate History
1 change since Sep 14, 2026 · 1.50% → 1.55% ▲ 0.05 pts · high 1.55% / low 1.50%
- Oct 7, 20261.55%▲ from 1.50%
- Sep 14, 20261.50%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.50%
▼ 0.02% below Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average1.52%▼ 0.02% below avgNationally 2.13%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 1.50% APY
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
3 Month Certificate
$0
1.00%
▼ 0.52% below Connecticut avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average1.52%▼ 0.52% below avgNationally 2.13%
Details
Savings and IRA (Traditional, Roth, Coverdell) Share Certificates; Required Balance: $500 minimum
Rate History
No change since Oct 15, 2026 · 1.00% APY · checked 2 times
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
3 month Certificate
$1,000
1.00%
▼ 0.52% below Connecticut avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average1.52%▼ 0.52% below avgNationally 2.13%
Details
Dividend Rate printed as 1.00%; rates effective as of 01/13/26; early withdrawal penalty applies
Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 12 times
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Investment Share and IRA Certificates - 3 Months
$0
1.00%
▼ 0.52% below Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average1.52%▼ 0.52% below avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
3 Month Share & IRA Certificates
$500
0.90%
▼ 0.62% below Connecticut avg
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average1.52%▼ 0.62% below avgNationally 2.13%
Details
Effective Date: October 19, 2026
Rate History
No change since Oct 7, 2026 · 0.90% APY · checked 3 times
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Business Share Certificate - 3 Months
$500
0.90%
▼ 0.62% below Connecticut avg
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average1.52%▼ 0.62% below avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 0.90% APY · checked 7 times
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
IRA Certificates - 3 Month Certificate
$500
0.75%
▼ 0.77% below Connecticut avg
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average1.52%▼ 0.77% below avgNationally 2.13%
Details
Compounded: Monthly
Rate History
No change since Oct 15, 2026 · 0.75% APY · checked 2 times
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Share Certificate - 3 Month Certificate
$500
0.75%
▼ 0.77% below Connecticut avg
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average1.52%▼ 0.77% below avgNationally 2.13%
Details
Compounded Monthly; Minimum balance to earn APY $500; Minimum deposit to open $500
Rate History
No change since Sep 16, 2026 · 0.75% APY · checked 8 times
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
3 Month Share Certificate
$0
0.50%
▼ 1.02% below Connecticut avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average1.52%▼ 1.02% below avgNationally 2.13%
Details
Share Certificates section; $1,000 minimum balance to earn dividends
Rate History
No change since Oct 9, 2026 · 0.50% APY · checked 4 times
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Share Certificate 3 Months
$0
0.50%
▼ 1.02% below Connecticut avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average1.52%▼ 1.02% below avgNationally 2.13%
Details
Dividend rate; $1,000 minimum balance to earn dividends
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
GHA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
90 Day Certificate
$1,000
0.25%
▼ 1.27% below Connecticut avg
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average1.52%▼ 1.27% below avgNationally 2.13%
Details
Early withdrawal penalty: 90 days of dividends (terms under 12 months)
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 10 times
Newtown Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
3 Month CD
$500
0.15%
▼ 1.37% below Connecticut avg
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average1.52%▼ 1.37% below avgNationally 2.13%
Details
Early Withdrawal Penalty: 30 Days Interest
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 9 times
Hartford 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
250 MURPHY RD, Hartford, CT 06114
6 Month IRA Share Certificate
$1,000
4.05%
▲ 1.57% above Connecticut avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.48%▲ 1.57% above avgNationally 2.78%
Details
Effective Date: Thursday, October 22nd, 2026; The Dividend Rate and APY are fixed for the term of the account; 10 day period to add or withdraw without penalty; Early withdrawal penalty is half the term of interest
Rate History
No change since Oct 22, 2026 · 4.05% APY
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
253 High St, Hartford, CT 06103
Term Share Certificate - 6 Months
$0
4.02%
▲ 1.54% above Connecticut avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.48%▲ 1.54% above avgNationally 2.78%
Details
Effective date: 10/01/2026; Minimum balance $1,000 required to earn stated APY
Rate History
1 change since Sep 12, 2026 · 3.76% → 4.02% ▲ 0.26 pts · high 4.02% / low 3.76%
- Oct 4, 20264.02%▲ from 3.76%
- Sep 12, 20263.76%first recorded
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
250 MURPHY RD, Hartford, CT 06114
6 Month Share Certificates
$1,000
4.00%
▲ 1.52% above Connecticut avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.48%▲ 1.52% above avgNationally 2.78%
Details
Effective Date: Thursday, October 22nd, 2026
Rate History
No change since Oct 22, 2026 · 4.00% APY
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
15 Van Dyke Ave, Hartford, CT 06106 4812
6-Month Certificate
$0
3.75%
▲ 1.27% above Connecticut avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.48%▲ 1.27% above avgNationally 2.78%
Details
Minimum balance to open and earn APY is $500; Penalty may be imposed for early withdrawal
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
15 Van Dyke Ave, Hartford, CT 06106 4812
IRA Certificate - 6-Month
$500
3.75%
▲ 1.27% above Connecticut avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.48%▲ 1.27% above avgNationally 2.78%
Details
Rates apply to Traditional, Roth, and Education IRA certificates; penalty may be imposed for early withdrawal
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 4 times
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
84 Wadsworth St, Hartford, CT 06106
6 Month Certificate
$500
3.75%
▲ 1.27% above Connecticut avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.48%▲ 1.27% above avgNationally 2.78%
Details
Compounded: Daily
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
100 Leibert Rd, Hartford, CT 06120 1617
Standard Share Certificate - 6 Month
$0
2.75%
▲ 0.27% above Connecticut avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.48%▲ 0.27% above avgNationally 2.78%
Details
All rates effective 10/1/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
964 Asylum Ave, Hartford, CT 06105
Certificate and IRA Certificate - 6 Months
$2,500
2.27%
▼ 0.21% below Connecticut avg
▼
Rate2.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.48%▼ 0.21% below avgNationally 2.78%
Details
Dividend rate and APY on certificates; $2,500 minimum deposit required to earn stated rates; Jumbo certificate rates over $100,000 available by call
Rate History
1 change since Oct 13, 2026 · 2.53% → 2.27% ▼ 0.26 pts · high 2.53% / low 2.27%
- Oct 23, 20262.27%▼ from 2.53%
- Oct 13, 20262.53%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
203 Trumbull St, Hartford, CT 06103
6 Month TD Choice CD
$250
2.00%
▼ 0.48% below Connecticut avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.48%▼ 0.48% below avgNationally 2.78%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
203 Trumbull St, Hartford, CT 06103
6 Month TD Choice CD
$250
1.99%
▼ 0.49% below Connecticut avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.48%▼ 0.49% below avgNationally 2.78%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
30 State House Sq, Hartford, CT 06103
Standard Fixed Rate CD 6 month - Relationship
$2,500
0.06%
▼ 2.42% below Connecticut avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.48%▼ 2.42% below avgNationally 2.78%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
203 Trumbull St, Hartford, CT 06103
6 Month TD No Catch CD
$0
0.05%
▼ 2.43% below Connecticut avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.48%▼ 2.43% below avgNationally 2.78%
Details
6 Month TD No Catch CD
Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
30 State House Sq, Hartford, CT 06103
Standard Fixed Rate CD 6 month
$2,500
0.05%
▼ 2.43% below Connecticut avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.48%▼ 2.43% below avgNationally 2.78%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 4 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
108 Farmington Ave, Hartford, CT 06105
Private 6 Month CD
$0
0.02%
▼ 2.46% below Connecticut avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.48%▼ 2.46% below avgNationally 2.78%
Details
Balance: $500+; Private Checking account holders
Rate History
No change since Sep 9, 2026 · 0.02% APY · checked 3 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
108 Farmington Ave, Hartford, CT 06105
Personal CD - 6 Month
$0
0.01%
▼ 2.47% below Connecticut avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.48%▼ 2.47% below avgNationally 2.78%
Details
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 2 times
Atlantic Community Bankers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
6 Month CD
$0
4.46%
▲ 1.98% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.48%▲ 1.98% above avgNationally 2.78%
Details
Minimum balance of $100,000 required for ACBB CDs; rates subject to change based on market conditions and availability
Rate History
No change since Oct 22, 2026 · 4.46% APY
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
Prime Certificates of Deposit - 6 month
$500
4.30%
▲ 1.82% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.48%▲ 1.82% above avgNationally 2.78%
Details
Minimum deposit of $500 to open and earn the APY; APY as of September 15, 2026
Rate History
No change since Oct 8, 2026 · 4.30% APY · checked 4 times
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
6-Month Business CD
$5,000
4.25%
▲ 1.77% above Connecticut avg
▼
Rate4.17%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.48%▲ 1.77% above avgNationally 2.78%
Details
Minimum to open $5,000 and minimum required to earn APY $5,000; Rates effective as of October 14, 2026; Business CDs are subject to a penalty for early withdrawal
Rate History
1 change since Sep 24, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
- Oct 21, 20264.25%▲ from 3.80%
- Sep 24, 20263.80%first recorded
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
6 Month Share Certificate Special
$0
4.25%
▲ 1.77% above Connecticut avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.48%▲ 1.77% above avgNationally 2.78%
Details
$500 Minimum to earn APY; Certificate Compounding Frequency is Monthly; Penalty will be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
6 Month CD
$0
4.20%
▲ 1.72% above Connecticut avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.48%▲ 1.72% above avgNationally 2.78%
Details
Early withdrawal penalty: 3 months' interest
Rate History
1 change since Sep 24, 2026 · 3.95% → 4.20% ▲ 0.25 pts · high 4.20% / low 3.95%
- Oct 1, 20264.20%▲ from 3.95%
- Sep 24, 20263.95%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month Business CD
$2,500
4.10%
▲ 1.62% above Connecticut avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.48%▲ 1.62% above avgNationally 2.78%
Details
APY accurate as of 10/22/2026; maximum deposit $10 million; not available for public units; limited-time offer; early withdrawal penalties apply
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month CD
$2,500
4.10%
▲ 1.62% above Connecticut avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.48%▲ 1.62% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Oct 10, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Share & IRA CDs - 6 Months
$500
4.08%
▲ 1.60% above Connecticut avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.48%▲ 1.60% above avgNationally 2.78%
Details
Compounding: monthly; Early withdrawal penalty: 60 days dividends
Rate History
No change since Sep 29, 2026 · 4.08% APY · checked 2 times
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Term Share Certificate - 6 Months
$500
4.07%
▲ 1.59% above Connecticut avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.48%▲ 1.59% above avgNationally 2.78%
Details
Outside Funds; early withdrawal penalty of six months (180 days) dividends
Rate History
No change since Sep 16, 2026 · 4.07% APY · checked 3 times
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
6-Month CD
$500
4.00%
▲ 1.52% above Connecticut avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.48%▲ 1.52% above avgNationally 2.78%
Details
Minimum to open $500; minimum required to earn APY $500; maximum deposit $250,000.00; subject to early withdrawal penalty
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 6 times
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
6 month Certificate
$1,000
4.00%
▲ 1.52% above Connecticut avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.48%▲ 1.52% above avgNationally 2.78%
Details
Rates effective as of 01/13/26; early withdrawal penalty applies
Rate History
1 change since Sep 12, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 8, 20264.00%▲ from 3.75%
- Sep 12, 20263.75%first recorded
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
6-Month Share Certificate
$1,000
4.00%
▲ 1.52% above Connecticut avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.48%▲ 1.52% above avgNationally 2.78%
Details
Penalty for early withdrawal: 3 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.00% ▲ 0.13 pts · high 4.00% / low 3.87%
- Sep 18, 20264.00%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
Share Certificate - 6 Months
$0
4.00%
▲ 1.52% above Connecticut avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.48%▲ 1.52% above avgNationally 2.78%
Details
Dividend Rate 3.93%; APY 4.00%
Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 2 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Certificate - 6 Month
$0
3.95%
▲ 1.47% above Connecticut avg
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.48%▲ 1.47% above avgNationally 2.78%
Details
Maximum Balance: $1,000,000 per member; Rates effective as of 10/22/2026; Less than 1 Year certificate dividends post at maturity
Rate History
No change since Oct 12, 2026 · 3.95% APY · checked 2 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
IRA Certificates 6 Months
$0
3.95%
▲ 1.47% above Connecticut avg
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.48%▲ 1.47% above avgNationally 2.78%
Details
Rates effective as of 10/23/2026; NCUA-insured; Certificate rate fixed upon opening; Dividend 3.910%
Rate History
No change since Oct 15, 2026 · 3.95% APY · checked 2 times
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
6 Month Share Certificate - Regular/IRA
$0
3.82%
▲ 1.34% above Connecticut avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.48%▲ 1.34% above avgNationally 2.78%
Details
Type: Regular/IRA; $500 Minimum Balance Required; dividends declared and paid monthly on average daily balance; early withdrawal penalty may apply; effective as of October 1, 2026
Rate History
No change since Oct 13, 2026 · 3.82% APY · checked 2 times
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
HSA CD - 6-Month HSA CD
$500
3.80%
▲ 1.32% above Connecticut avg
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.48%▲ 1.32% above avgNationally 2.78%
Details
Minimum to open a CD is $500 and the minimum required to earn APY is $500; CDs are subject to a penalty for early withdrawal; Rates effective as of October 14, 2026
Rate History
No change since Oct 21, 2026 · 3.80% APY
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
6 Month Business Certificate of Deposit - Fixed Rate
$1,000
3.75%
▲ 1.27% above Connecticut avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.48%▲ 1.27% above avgNationally 2.78%
Details
Balance: $1,000 - $249,999.99; IRA terms available
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 3 times
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
6 Month Certificate of Deposit - Fixed Rate
$1,000
3.75%
▲ 1.27% above Connecticut avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.48%▲ 1.27% above avgNationally 2.78%
Details
Balance: $1,000 - $249,999.99 daily balance to earn APY; All terms also available for IRA; Annual Percentage Yield Effective Date: 10/14/2026
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 3 times
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
IRA Certificates - 6 Month Certificate
$500
3.75%
▲ 1.27% above Connecticut avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.48%▲ 1.27% above avgNationally 2.78%
Details
Compounded: Monthly
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 2 times
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Share Certificate - 6 Month Certificate
$500
3.75%
▲ 1.27% above Connecticut avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.48%▲ 1.27% above avgNationally 2.78%
Details
Compounded Monthly; Minimum balance to earn APY $500; Minimum deposit to open $500
Rate History
1 change since Sep 16, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 12, 20263.75%▲ from 3.50%
- Sep 16, 20263.50%first recorded
FD Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
6 Month CD Only
$500
3.75%
▲ 1.27% above Connecticut avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.48%▲ 1.27% above avgNationally 2.78%
Details
Dividends compounded monthly; Early withdrawal penalty = 90 days dividend
Rate History
1 change since Sep 20, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75%
- Oct 8, 20263.75%▼ from 4.00%
- Sep 20, 20264.00%first recorded
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Investment Share and IRA Certificates - 6 Months
$0
3.75%
▲ 1.27% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.48%▲ 1.27% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 5, 20263.75%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Lawrence Memorial Hospital Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Share Certificate
$500
3.75%
▲ 1.27% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.48%▲ 1.27% above avgNationally 2.78%
Details
Minimum balance to open the account $500.00
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Lawrence Memorial Hospital Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share Certificate - 6 month
$0
3.75%
▲ 1.27% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.48%▲ 1.27% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
Bankwell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
6 Month CD
$1,000
3.70%
▲ 1.22% above Connecticut avg
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.48%▲ 1.22% above avgNationally 2.78%
Details
Rate guaranteed for the full term; Penalty for early withdrawal; Not available to brokers or financial institutions; APY effective 12/18/2025
Rate History
No change since Sep 27, 2026 · 3.70% APY · checked 8 times
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Term Share Certificate - 6 Months
$500
3.56%
▲ 1.08% above Connecticut avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.48%▲ 1.08% above avgNationally 2.78%
Details
Existing Funds; early withdrawal penalty of six months (180 days) dividends
Rate History
1 change since Sep 16, 2026 · 4.07% → 3.56% ▼ 0.51 pts · high 4.07% / low 3.56%
- Oct 15, 20263.56%▼ from 4.07%
- Sep 16, 20264.07%first recorded
Achieve Financial Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.09%
6 Month Share Certificate
$1,000
3.56%
▲ 1.08% above Connecticut avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.48%▲ 1.08% above avgNationally 2.78%
Details
Standard Certificate; $1,000 minimum opening deposit
Rate History
No change since Oct 9, 2026 · 3.56% APY · checked 2 times
MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Share Certificate 6 Months
$1,000
3.56%
▲ 1.08% above Connecticut avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.48%▲ 1.08% above avgNationally 2.78%
Details
Rate History
No change since Oct 19, 2026 · 3.56% APY
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
6-Month Relationship CD
$500
3.55%
▲ 1.07% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.48%▲ 1.07% above avgNationally 2.78%
Details
Special offer for Washington Trust Freedom Ultra or Freedom Plus checking account customers; Open in branch or over the phone; Freedom Plus or Freedom Ultra checking account required; APY effective as of 4/1/2026; Maximum balance not stated; Minimum balance to earn stated APY $0.01
Rate History
No change since Sep 27, 2026 · 3.55% APY · checked 6 times
Norwalk Hospital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
6 Month Certificate
$1,000
3.55%
▲ 1.07% above Connecticut avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.48%▲ 1.07% above avgNationally 2.78%
Details
$1000 minimum deposit; Dividends posted quarterly and paid at maturity; premature withdrawal results in dividend penalty; may be loss of some accrued interest on early withdrawal
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
6 Month Featured Share Certificate
$0
3.50%
▲ 1.02% above Connecticut avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.48%▲ 1.02% above avgNationally 2.78%
Details
Rate History
No change since Oct 22, 2026 · 3.50% APY
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
6 Month Share Certificate
$0
3.50%
▲ 1.02% above Connecticut avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.48%▲ 1.02% above avgNationally 2.78%
Details
Rate History
No change since Oct 22, 2026 · 3.50% APY
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
IRA Share Certificate - 6 Month
$0
3.50%
▲ 1.02% above Connecticut avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.48%▲ 1.02% above avgNationally 2.78%
Details
Rate History
No change since Oct 22, 2026 · 3.50% APY
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
Star Relationship CD - 6 Month
$500
3.50%
▲ 1.02% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.48%▲ 1.02% above avgNationally 2.78%
Details
Star Relationship CD
Rate History
No change since Sep 8, 2026 · 3.50% APY · checked 3 times
Hartford 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
203 Trumbull St, Hartford, CT 06103
12 Month TD Choice CD
$250
4.15%
▲ 1.37% above Connecticut avg
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.78%▲ 1.37% above avgNationally 2.99%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
203 Trumbull St, Hartford, CT 06103
12 Month TD Choice CD
$250
4.14%
▲ 1.36% above Connecticut avg
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.78%▲ 1.36% above avgNationally 2.99%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.14% APY · checked 2 times
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
253 High St, Hartford, CT 06103
Term Share Certificate - 1 Year
$0
4.07%
▲ 1.29% above Connecticut avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.78%▲ 1.29% above avgNationally 2.99%
Details
Effective date: 10/01/2026; Minimum balance $1,000 required to earn stated APY
Rate History
1 change since Sep 12, 2026 · 3.76% → 4.07% ▲ 0.31 pts · high 4.07% / low 3.76%
- Oct 4, 20264.07%▲ from 3.76%
- Sep 12, 20263.76%first recorded
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
250 MURPHY RD, Hartford, CT 06114
12 Month IRA Share Certificate
$1,000
4.05%
▲ 1.27% above Connecticut avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.78%▲ 1.27% above avgNationally 2.99%
Details
Effective Date: Thursday, October 22nd, 2026; The Dividend Rate and APY are fixed for the term of the account; 10 day period to add or withdraw without penalty; Early withdrawal penalty is half the term of interest
Rate History
No change since Oct 22, 2026 · 4.05% APY
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
250 MURPHY RD, Hartford, CT 06114
12 Month Share Certificates
$1,000
4.00%
▲ 1.22% above Connecticut avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.78%▲ 1.22% above avgNationally 2.99%
Details
Effective Date: Thursday, October 22nd, 2026
Rate History
No change since Oct 22, 2026 · 4.00% APY
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
624 Franklin Ave, HARTFORD, CT 06114
12 Month Certificate
$0
3.81%
▲ 1.03% above Connecticut avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.78%▲ 1.03% above avgNationally 2.99%
Details
Dividends paid monthly on Average Daily Balance; Automatic rollover at maturity
Rate History
1 change since Sep 25, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
- Oct 15, 20263.82%▲ from 3.30%
- Sep 25, 20263.30%first recorded
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
84 Wadsworth St, Hartford, CT 06106
12 Month Certificate
$500
3.50%
▲ 0.72% above Connecticut avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.78%▲ 0.72% above avgNationally 2.99%
Details
Compounded: Daily
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
624 Franklin Ave, Hartford, CT 06114
IRA Certificate - 12 Months
$0
3.25%
▲ 0.47% above Connecticut avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.78%▲ 0.47% above avgNationally 2.99%
Details
Bonus: 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 7 times
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
624 Franklin Ave, Hartford, CT 06114
Regular Certificate - 12 Months
$0
3.25%
▲ 0.47% above Connecticut avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.78%▲ 0.47% above avgNationally 2.99%
Details
Minimum balance on all share certificates: $1,000; Interest paid monthly; 0.25% bonus on $50,000-$99,999.99; 0.50% bonus on $100,000 and over
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 7 times
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
100 Leibert Rd, Hartford, CT 06120 1617
Roth & Educational IRA Share Certificate - 12 Month
$0
3.00%
▲ 0.22% above Connecticut avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.78%▲ 0.22% above avgNationally 2.99%
Details
All rates effective 10/1/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
100 Leibert Rd, Hartford, CT 06120 1617
Standard IRA Share Certificate - 12 Month
$0
3.00%
▲ 0.22% above Connecticut avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.78%▲ 0.22% above avgNationally 2.99%
Details
All rates effective 10/1/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
100 Leibert Rd, Hartford, CT 06120 1617
Standard Share Certificate - 12 Month
$0
3.00%
▲ 0.22% above Connecticut avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.78%▲ 0.22% above avgNationally 2.99%
Details
All rates effective 10/1/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
964 Asylum Ave, Hartford, CT 06105
Certificate and IRA Certificate - 1 Year
$2,500
2.53%
▼ 0.25% below Connecticut avg
▼
Rate2.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.78%▼ 0.25% below avgNationally 2.99%
Details
Dividend rate and APY on certificates; $2,500 minimum deposit required to earn stated rates; Jumbo certificate rates over $100,000 available by call
Rate History
1 change since Oct 13, 2026 · 2.27% → 2.53% ▲ 0.26 pts · high 2.53% / low 2.27%
- Oct 23, 20262.53%▲ from 2.27%
- Oct 13, 20262.27%first recorded
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
15 Van Dyke Ave, Hartford, CT 06106 4812
12-Month Certificate
$0
1.65%
▼ 1.13% below Connecticut avg
▼
Rate1.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.78%▼ 1.13% below avgNationally 2.99%
Details
Minimum balance to open and earn APY is $500; Penalty may be imposed for early withdrawal
Rate History
No change since Sep 18, 2026 · 1.65% APY · checked 7 times
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
15 Van Dyke Ave, Hartford, CT 06106 4812
IRA Certificate - 12-Month
$500
1.65%
▼ 1.13% below Connecticut avg
▼
Rate1.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.78%▼ 1.13% below avgNationally 2.99%
Details
Rates apply to Traditional, Roth, and Education IRA certificates; penalty may be imposed for early withdrawal
Rate History
No change since Sep 24, 2026 · 1.65% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
30 State House Sq, Hartford, CT 06103
Standard Fixed Rate CD 1 year - Relationship
$2,500
1.51%
▼ 1.27% below Connecticut avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.78%▼ 1.27% below avgNationally 2.99%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
30 State House Sq, Hartford, CT 06103
Standard Fixed Rate CD 1 year
$2,500
1.50%
▼ 1.28% below Connecticut avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.78%▼ 1.28% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
203 Trumbull St, Hartford, CT 06103
12 Month TD IRA Add-Vantage CD
$0
0.05%
▼ 2.73% below Connecticut avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.78%▼ 2.73% below avgNationally 2.99%
Details
12 Month TD IRA Add-Vantage CD; IRA certificate
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 7 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
203 Trumbull St, Hartford, CT 06103
12 Month TD No Catch CD
$0
0.05%
▼ 2.73% below Connecticut avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.78%▼ 2.73% below avgNationally 2.99%
Details
12 Month TD No Catch CD
Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
108 Farmington Ave, Hartford, CT 06105
Private 12 Month CD
$0
0.02%
▼ 2.76% below Connecticut avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.78%▼ 2.76% below avgNationally 2.99%
Details
Balance: $500+; Private Checking account holders
Rate History
No change since Sep 9, 2026 · 0.02% APY · checked 3 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
108 Farmington Ave, Hartford, CT 06105
Personal CD - 12 Month
$0
0.01%
▼ 2.77% below Connecticut avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.78%▼ 2.77% below avgNationally 2.99%
Details
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 2 times
Atlantic Community Bankers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
1 Year CD
$0
4.67%
▲ 1.89% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.78%▲ 1.89% above avgNationally 2.99%
Details
Minimum balance of $100,000 required for ACBB CDs; rates subject to change based on market conditions and availability
Rate History
No change since Oct 22, 2026 · 4.67% APY
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
CD - 12 Month Special
$1,000
4.50%
▲ 1.72% above Connecticut avg
▼
Rate4.42%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.78%▲ 1.72% above avgNationally 2.99%
Details
Special rate applies to new money only; funds already on deposit with Paramount Bank may not be eligible; Quarterly Post or Interest Checks; interest checks reduce APY
Rate History
No change since Oct 22, 2026 · 4.50% APY
USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month Certificate
$0
4.50%
▲ 1.72% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.78%▲ 1.72% above avgNationally 2.99%
Details
Special Rate; Featured rate - see all rate specials
Rate History
1 change since Sep 14, 2026 · 4.36% → 4.50% ▲ 0.14 pts · high 4.50% / low 4.36%
- Oct 1, 20264.50%▲ from 4.36%
- Sep 14, 20264.36%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.57% above Connecticut avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.78%▲ 1.57% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 6 times
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
Prime Certificates of Deposit - 12 month
$500
4.35%
▲ 1.57% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.78%▲ 1.57% above avgNationally 2.99%
Details
Minimum deposit of $500 to open and earn the APY; APY as of September 15, 2026
Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 4 times
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
12 Month Jumbo IRA Certificate
$0
4.30%
▲ 1.52% above Connecticut avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.78%▲ 1.52% above avgNationally 2.99%
Details
Jumbo IRA Certificate (12 Months) as printed in source row; IRA Certificate requires $500 minimum balance per page footnote; Share Certificate APY assumes dividends are retained in the certificate
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 9, 20264.30%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month Business CD
$500
4.30%
▲ 1.52% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.78%▲ 1.52% above avgNationally 2.99%
Details
APY accurate as of 10/22/2026; maximum deposit $10 million; not available for public units; limited-time offer; early withdrawal penalties apply
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 3 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month CD
$500
4.30%
▲ 1.52% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.78%▲ 1.52% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 10, 20264.30%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
HSA CD - 1-Year HSA CD
$500
4.25%
▲ 1.47% above Connecticut avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.78%▲ 1.47% above avgNationally 2.99%
Details
Minimum to open a CD is $500 and the minimum required to earn APY is $500; CDs are subject to a penalty for early withdrawal; Rates effective as of October 14, 2026
Rate History
No change since Oct 21, 2026 · 4.25% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.10%
▲ 1.32% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.78%▲ 1.32% above avgNationally 2.99%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
1-Year Share Certificate
$1,000
4.10%
▲ 1.32% above Connecticut avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.78%▲ 1.32% above avgNationally 2.99%
Details
Penalty for early withdrawal: 3 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.93% → 4.10% ▲ 0.17 pts · high 4.10% / low 3.93%
- Sep 18, 20264.10%▲ from 3.93%
- Sep 14, 20263.93%first recorded
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
12 Month CD
$0
4.10%
▲ 1.32% above Connecticut avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.78%▲ 1.32% above avgNationally 2.99%
Details
Early withdrawal penalty: 3 months' interest
Rate History
1 change since Sep 24, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 1, 20264.10%▲ from 3.85%
- Sep 24, 20263.85%first recorded
New Haven County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
1 Year Share Certificate
$500
4.08%
▲ 1.30% above Connecticut avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.78%▲ 1.30% above avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 4.08% APY · checked 2 times
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Share & IRA CDs - 12 Months
$500
4.08%
▲ 1.30% above Connecticut avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.78%▲ 1.30% above avgNationally 2.99%
Details
Compounding: monthly; Early withdrawal penalty: 60 days dividends
Rate History
1 change since Sep 18, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
- Sep 29, 20264.08%▲ from 3.82%
- Sep 18, 20263.82%first recorded
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
12 Month Share Certificate - Regular/IRA
$0
4.07%
▲ 1.29% above Connecticut avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.78%▲ 1.29% above avgNationally 2.99%
Details
Type: Regular/IRA; $500 Minimum Balance Required; dividends declared and paid monthly on average daily balance; early withdrawal penalty may apply; effective as of October 1, 2026
Rate History
No change since Oct 13, 2026 · 4.07% APY · checked 2 times
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
Share Certificate - 12 Months
$0
4.07%
▲ 1.29% above Connecticut avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.78%▲ 1.29% above avgNationally 2.99%
Details
Dividend Rate 4.00%; APY 4.07%
Rate History
No change since Oct 19, 2026 · 4.07% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.05%
▲ 1.27% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.78%▲ 1.27% above avgNationally 2.99%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.05% APY
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1-year online CDs
$0
4.00%
▲ 1.22% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.78%▲ 1.22% above avgNationally 2.99%
Details
Online CD
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
12 Month 360 CD
$0
4.00%
▲ 1.22% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.78%▲ 1.22% above avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month EasyStart Certificate
$50
4.00%
▲ 1.22% above Connecticut avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.78%▲ 1.22% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.00% APY
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
12 Month Share Certificate
$0
4.00%
▲ 1.22% above Connecticut avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.78%▲ 1.22% above avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 4.00% APY
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
IRA Share Certificate - 12 Month
$0
4.00%
▲ 1.22% above Connecticut avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.78%▲ 1.22% above avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 4.00% APY
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
12 Month Business Certificate of Deposit - Fixed Rate
$1,000
4.00%
▲ 1.22% above Connecticut avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.78%▲ 1.22% above avgNationally 2.99%
Details
Balance: $1,000 - $249,999.99; IRA terms available
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
12 Month Certificate of Deposit - Fixed Rate
$1,000
4.00%
▲ 1.22% above Connecticut avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.78%▲ 1.22% above avgNationally 2.99%
Details
Balance: $1,000 - $249,999.99 daily balance to earn APY; All terms also available for IRA; Annual Percentage Yield Effective Date: 10/14/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
IRA - 12 Months
$1,000
4.00%
▲ 1.22% above Connecticut avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.78%▲ 1.22% above avgNationally 2.99%
Details
Quarterly Post or Interest Checks; interest checks reduce APY
Rate History
No change since Oct 22, 2026 · 4.00% APY
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
IRA Certificates - 12 Month Certificate
$500
4.00%
▲ 1.22% above Connecticut avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.78%▲ 1.22% above avgNationally 2.99%
Details
Compounded: Monthly
Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 2 times
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Share Certificate - 12 Month Certificate
$500
4.00%
▲ 1.22% above Connecticut avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.78%▲ 1.22% above avgNationally 2.99%
Details
Compounded Monthly; Minimum balance to earn APY $500; Minimum deposit to open $500
Rate History
1 change since Sep 16, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 12, 20264.00%▲ from 3.65%
- Sep 16, 20263.65%first recorded
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Certificate - 1 Year
$0
4.00%
▲ 1.22% above Connecticut avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.78%▲ 1.22% above avgNationally 2.99%
Details
Maximum Balance: $1,000,000 per member; Rates effective as of 10/22/2026; 1 year or longer certificate dividends compound quarterly
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
IRA Certificates 12 months
$0
4.00%
▲ 1.22% above Connecticut avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.78%▲ 1.22% above avgNationally 2.99%
Details
IRA Certificate; NCUA-insured; Rates effective as of 10/23/2026
Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 2 times
Hartford 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
203 Trumbull St, Hartford, CT 06103
18 Month TD Choice CD
$250
4.25%
▲ 1.62% above Connecticut avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.63%▲ 1.62% above avgNationally 2.88%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
203 Trumbull St, Hartford, CT 06103
18 Month TD Choice CD
$250
4.24%
▲ 1.61% above Connecticut avg
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.63%▲ 1.61% above avgNationally 2.88%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.24% APY · checked 2 times
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
568 Franklin Ave, Hartford, CT 06114
18-Month CD
$500
4.00%
▲ 1.37% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.63%▲ 1.37% above avgNationally 2.88%
Details
Available when account is opened in a Santander location in CT, DE, MA, NH, NJ, NY, PA, RI, or select areas in FL (Miami-Dade, Monroe, Broward counties, Collier county ZIP Code 34141); In-Branch Only; Minimum deposit of $500 to open and receive this APY; early withdrawal penalty applies
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 6 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
108 Farmington Ave, Hartford, CT 06105
Private 18 Month CD
$0
4.00%
▲ 1.37% above Connecticut avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.63%▲ 1.37% above avgNationally 2.88%
Details
Limited time offer; Balance: $500+; Open to existing or new Private Checking account holders
Rate History
1 change since Sep 9, 2026 · 0.02% → 4.00% ▲ 3.98 pts · high 4.00% / low 0.02%
- Oct 2, 20264.00%▲ from 0.02%
- Sep 9, 20260.02%first recorded
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1 Financial Plz, Hartford, CT 06103
18 MONTH SELECT Certificate of Deposit
$1,000
3.85%
▲ 1.22% above Connecticut avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.63%▲ 1.22% above avgNationally 2.88%
Details
Featured CD rate; Requires a qualifying M&T Bank checking account; Schedule an appointment to open
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 5 times
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1 Financial Plz, Hartford, CT 06103
18-Month M&T Select CD
$1,000
3.85%
▲ 1.22% above Connecticut avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.63%▲ 1.22% above avgNationally 2.88%
Details
Featured M&T Certificate of Deposit; requires a qualifying M&T Bank checking account to open (M&T Select CD); minimum balance to obtain APY is $1.00 after opening
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
108 Farmington Ave, Hartford, CT 06105
18-Month CD
$500
3.75%
▲ 1.12% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.63%▲ 1.12% above avgNationally 2.88%
Details
Limited Time CD Offer; Promotional APY; Open with as little as $500; Enjoy the security of a locked in rate; Earn guaranteed returns
Rate History
1 change since Sep 24, 2026 · 0.01% → 3.75% ▲ 3.74 pts · high 3.75% / low 0.01%
- Oct 2, 20263.75%▲ from 0.01%
- Sep 24, 20260.01%first recorded
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
108 Farmington Ave, Hartford, CT 06105
Personal CD - 18 Month
$0
3.75%
▲ 1.12% above Connecticut avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.63%▲ 1.12% above avgNationally 2.88%
Details
Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 2 times
Hartford Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
776 Maple Ave, Hartford, CT 06114 2317
Share Certificate Special - 18 Month
$5,000
3.75%
▲ 1.12% above Connecticut avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.63%▲ 1.12% above avgNationally 2.88%
Details
Printed as 3.75% SC; New money only; $5,000 min/$100,000 max
Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 2 times
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
84 Wadsworth St, Hartford, CT 06106
18 Month IRA
$500
3.30%
▲ 0.67% above Connecticut avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.63%▲ 0.67% above avgNationally 2.88%
Details
Compounded: Daily; IRA Certificate; 180 days dividend early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
250 MURPHY RD, Hartford, CT 06114
18 Month IRA Share Certificate
$1,000
3.30%
▲ 0.67% above Connecticut avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.63%▲ 0.67% above avgNationally 2.88%
Details
Effective Date: Thursday, October 22nd, 2026; The Dividend Rate and APY are fixed for the term of the account; 10 day period to add or withdraw without penalty; Early withdrawal penalty is half the term of interest
Rate History
No change since Oct 22, 2026 · 3.30% APY
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
15 Van Dyke Ave, Hartford, CT 06106 4812
18-Month Certificate
$0
3.25%
▲ 0.62% above Connecticut avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.63%▲ 0.62% above avgNationally 2.88%
Details
Minimum balance to open and earn APY is $500; Penalty may be imposed for early withdrawal
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
15 Van Dyke Ave, Hartford, CT 06106 4812
IRA Certificate - 18-Month
$500
3.25%
▲ 0.62% above Connecticut avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.63%▲ 0.62% above avgNationally 2.88%
Details
Rates apply to Traditional, Roth, and Education IRA certificates; penalty may be imposed for early withdrawal
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 4 times
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
84 Wadsworth St, Hartford, CT 06106
18 Month Certificate
$500
3.25%
▲ 0.62% above Connecticut avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.63%▲ 0.62% above avgNationally 2.88%
Details
Compounded: Daily
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
250 MURPHY RD, Hartford, CT 06114
18 Month Share Certificates
$1,000
3.25%
▲ 0.62% above Connecticut avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.63%▲ 0.62% above avgNationally 2.88%
Details
Effective Date: Thursday, October 22nd, 2026
Rate History
No change since Oct 22, 2026 · 3.25% APY
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
624 Franklin Ave, Hartford, CT 06114
IRA Certificate - 18 Months
$0
3.25%
▲ 0.62% above Connecticut avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.63%▲ 0.62% above avgNationally 2.88%
Details
Bonus: 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 7 times
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
624 Franklin Ave, Hartford, CT 06114
Regular Certificate - 18 Months
$0
3.25%
▲ 0.62% above Connecticut avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.63%▲ 0.62% above avgNationally 2.88%
Details
Minimum balance on all share certificates: $1,000; Interest paid monthly; 0.25% bonus on $50,000-$99,999.99; 0.50% bonus on $100,000 and over
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 7 times
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
964 Asylum Ave, Hartford, CT 06105
Certificate and IRA Certificate - 1.5 Year
$2,500
2.53%
▼ 0.10% below Connecticut avg
▼
Rate2.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.63%▼ 0.10% below avgNationally 2.88%
Details
Dividend rate and APY on certificates; $2,500 minimum deposit required to earn stated rates; Jumbo certificate rates over $100,000 available by call
Rate History
No change since Oct 23, 2026 · 2.53% APY
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
100 Leibert Rd, Hartford, CT 06120 1617
Standard Share Certificate - 18 Month
$0
2.50%
▼ 0.13% below Connecticut avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.63%▼ 0.13% below avgNationally 2.88%
Details
All rates effective 10/1/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
624 Franklin Ave, HARTFORD, CT 06114
18 Month Certificate
$0
2.02%
▼ 0.61% below Connecticut avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.63%▼ 0.61% below avgNationally 2.88%
Details
Dividends paid monthly on Average Daily Balance; Automatic rollover at maturity
Rate History
No change since Sep 25, 2026 · 2.02% APY · checked 6 times
Atlantic Community Bankers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
18 Month CD
$0
4.78%
▲ 2.15% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.63%▲ 2.15% above avgNationally 2.88%
Details
Rate History
No change since Oct 22, 2026 · 4.78% APY
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
Prime Certificates of Deposit - 18 month
$500
4.40%
▲ 1.77% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.63%▲ 1.77% above avgNationally 2.88%
Details
Minimum deposit of $500 to open and earn the APY; APY as of September 15, 2026
Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 4 times
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18-Month Promotional Share Certificate
$500
4.27%
▲ 1.64% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.63%▲ 1.64% above avgNationally 2.88%
Details
Must be funded with New Money from another financial institution; Requires an eligible Fusion Plus Checking Account established when the certificate is opened; Dividends compound daily; Rate is fixed for the 18-month term
Rate History
No change since Oct 22, 2026 · 4.27% APY
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18-Month Share Certificate
$0
4.27%
▲ 1.64% above Connecticut avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.63%▲ 1.64% above avgNationally 2.88%
Details
Promo Rate; Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
Rate History
No change since Oct 22, 2026 · 4.27% APY
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-Month CD
$500
4.25%
▲ 1.62% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.63%▲ 1.62% above avgNationally 2.88%
Details
Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15%
▲ 1.52% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.63%▲ 1.52% above avgNationally 2.88%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.15% APY
Northwest Community Bank
Institution Rating:
A4.9 ★Texas Ratio: 7.16%
18 Month Time Deposit & IRA
$500
4.15%
▲ 1.52% above Connecticut avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.63%▲ 1.52% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
- Oct 7, 20264.15%▲ from 3.80%
- Sep 24, 20263.80%first recorded
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
18 Month Business Certificate of Deposit - Fixed Rate
$1,000
4.15%
▲ 1.52% above Connecticut avg
▼
Rate4.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.63%▲ 1.52% above avgNationally 2.88%
Details
Balance: $1,000 - $249,999.99; IRA terms available
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 3 times
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
18 Month Certificate of Deposit - Fixed Rate
$1,000
4.15%
▲ 1.52% above Connecticut avg
▼
Rate4.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.63%▲ 1.52% above avgNationally 2.88%
Details
Balance: $1,000 - $249,999.99 daily balance to earn APY; All terms also available for IRA; Annual Percentage Yield Effective Date: 10/14/2026
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10%
▲ 1.47% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.63%▲ 1.47% above avgNationally 2.88%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
18 Month Share Certificate - Regular/IRA
$0
4.07%
▲ 1.44% above Connecticut avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.63%▲ 1.44% above avgNationally 2.88%
Details
Type: Regular/IRA; $500 Minimum Balance Required; dividends declared and paid monthly on average daily balance; early withdrawal penalty may apply; effective as of October 1, 2026
Rate History
No change since Oct 13, 2026 · 4.07% APY · checked 2 times
Jewett City Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
Bump-Up CD - 18 Months
$1,000
4.00%
▲ 1.37% above Connecticut avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.63%▲ 1.37% above avgNationally 2.88%
Details
Bump-Up CD; at account holder's request, rate and APY may be increased one time during the 18-month term prior to maturity, if new CD rates of the same type have increased; APY accurate as of October 5, 2026
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 4 times
ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
Certificate of Deposit - 18 Month
$500
4.00%
▲ 1.37% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.63%▲ 1.37% above avgNationally 2.88%
Details
Until Maturity; Fixed rate until maturity
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 3 times
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 Month CD
$0
4.00%
▲ 1.37% above Connecticut avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.63%▲ 1.37% above avgNationally 2.88%
Details
Early withdrawal penalty: 6 months' interest
Rate History
1 change since Sep 24, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 1, 20264.00%▲ from 3.75%
- Sep 24, 20263.75%first recorded
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 18 Months
$0
3.98%
▲ 1.35% above Connecticut avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.63%▲ 1.35% above avgNationally 2.88%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 3.98% APY
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 18 Months
$0
3.98%
▲ 1.35% above Connecticut avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.63%▲ 1.35% above avgNationally 2.88%
Details
Fixed rate; Effective Date: October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.77% → 3.98% ▲ 0.21 pts · high 3.98% / low 3.77%
- Oct 22, 20263.98%▲ from 3.77%
- Sep 14, 20263.77%first recorded
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
18 Month Share Certificate
$0
3.75%
▲ 1.12% above Connecticut avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.63%▲ 1.12% above avgNationally 2.88%
Details
Rate History
No change since Oct 22, 2026 · 3.75% APY
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
IRA Share Certificate - 18 Month
$0
3.75%
▲ 1.12% above Connecticut avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.63%▲ 1.12% above avgNationally 2.88%
Details
Rate History
No change since Oct 22, 2026 · 3.75% APY
Newtown Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
18 Month CD
$500
3.75%
▲ 1.12% above Connecticut avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.63%▲ 1.12% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 Days Interest
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 9 times
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
Share Certificate - 18 Months
$0
3.75%
▲ 1.12% above Connecticut avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.63%▲ 1.12% above avgNationally 2.88%
Details
Dividend Rate 3.69%; APY 3.75%
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month EasyStart Certificate
$50
3.70%
▲ 1.07% above Connecticut avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.63%▲ 1.07% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.70% APY
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
18 Month Certificate of Deposit - Variable Rate
$25
3.66%
▲ 1.03% above Connecticut avg
▼
Rate3.60%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.63%▲ 1.03% above avgNationally 2.88%
Details
Deposits allowed during the term; $25 minimum to open and earn APY; All terms also available for IRA; Annual Percentage Yield Effective Date: 10/14/2026
Rate History
1 change since Sep 19, 2026 · 2.50% → 3.66% ▲ 1.16 pts · high 3.66% / low 2.50%
- Oct 3, 20263.66%▲ from 2.50%
- Sep 19, 20262.50%first recorded
Finex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
18 Month Special CD
$1,000
3.66%
▲ 1.03% above Connecticut avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.63%▲ 1.03% above avgNationally 2.88%
Details
New Money Only; Rates as of October 16, 2026
Rate History
1 change since Oct 14, 2026 · 3.25% → 3.66% ▲ 0.41 pts · high 3.66% / low 3.25%
- Oct 19, 20263.66%▲ from 3.25%
- Oct 14, 20263.25%first recorded
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
18 Month No Penalty CD
$1,000
3.65%
▲ 1.02% above Connecticut avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.63%▲ 1.02% above avgNationally 2.88%
Details
Must be opened in branch; Interest compounded and credited monthly; No withdrawals during first six calendar days after initial deposit, then full-balance withdrawal without penalty; Partial withdrawal not permitted; Additional deposits not permitted after opening
Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 5 times
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
Certificate of Deposit - 18 Month No Penalty
$0
3.65%
▲ 1.02% above Connecticut avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.63%▲ 1.02% above avgNationally 2.88%
Details
Rate History
No change since Oct 21, 2026 · 3.65% APY
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
18 Month 360 CD
$0
3.60%
▲ 0.97% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.63%▲ 0.97% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
18 Month Share & IRA Certificates
$500
3.60%
▲ 0.97% above Connecticut avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.63%▲ 0.97% above avgNationally 2.88%
Details
Effective Date: October 19, 2026
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 3 times
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Business Share Certificate - 18 Months
$500
3.60%
▲ 0.97% above Connecticut avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.63%▲ 0.97% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 7 times
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Term Share Certificate - 18 Months
$500
3.56%
▲ 0.93% above Connecticut avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.63%▲ 0.93% above avgNationally 2.88%
Details
$500 minimum balance required to open and earn posted dividend; early withdrawal penalty six months (180 days) dividends
Rate History
No change since Oct 15, 2026 · 3.56% APY · checked 2 times
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
18 Month Certificate
$2,500
3.56%
▲ 0.93% above Connecticut avg
▼
Rate3.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.63%▲ 0.93% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.56% APY · checked 2 times
Hartford 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
203 Trumbull St, Hartford, CT 06103
24 Month TD Choice CD
$250
4.30%
▲ 1.81% above Connecticut avg
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.49%▲ 1.81% above avgNationally 2.90%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
203 Trumbull St, Hartford, CT 06103
24 Month TD Choice CD
$250
4.29%
▲ 1.80% above Connecticut avg
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.49%▲ 1.80% above avgNationally 2.90%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.29% APY · checked 2 times
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
253 High St, Hartford, CT 06103
Term Share Certificate - 2 Years
$0
4.13%
▲ 1.64% above Connecticut avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.49%▲ 1.64% above avgNationally 2.90%
Details
Effective date: 10/01/2026; Minimum balance $1,000 required to earn stated APY
Rate History
1 change since Sep 12, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82%
- Oct 4, 20264.13%▲ from 3.82%
- Sep 12, 20263.82%first recorded
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
624 Franklin Ave, Hartford, CT 06114
IRA Certificate - 24 Months
$0
3.35%
▲ 0.86% above Connecticut avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.49%▲ 0.86% above avgNationally 2.90%
Details
Bonus: 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 7 times
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
624 Franklin Ave, Hartford, CT 06114
Regular Certificate - 24 Months
$0
3.35%
▲ 0.86% above Connecticut avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.49%▲ 0.86% above avgNationally 2.90%
Details
Minimum balance on all share certificates: $1,000; Interest paid monthly; 0.25% bonus on $50,000-$99,999.99; 0.50% bonus on $100,000 and over
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 7 times
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
250 MURPHY RD, Hartford, CT 06114
24 Month IRA Share Certificate
$1,000
3.30%
▲ 0.81% above Connecticut avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.49%▲ 0.81% above avgNationally 2.90%
Details
Effective Date: Thursday, October 22nd, 2026; The Dividend Rate and APY are fixed for the term of the account; 10 day period to add or withdraw without penalty; Early withdrawal penalty is half the term of interest
Rate History
No change since Oct 22, 2026 · 3.30% APY
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
250 MURPHY RD, Hartford, CT 06114
24 Month Share Certificates
$1,000
3.25%
▲ 0.76% above Connecticut avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.49%▲ 0.76% above avgNationally 2.90%
Details
Effective Date: Thursday, October 22nd, 2026
Rate History
No change since Oct 22, 2026 · 3.25% APY
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
964 Asylum Ave, Hartford, CT 06105
Certificate and IRA Certificate - 2 Year
$2,500
2.78%
▲ 0.29% above Connecticut avg
▼
Rate2.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.49%▲ 0.29% above avgNationally 2.90%
Details
Dividend rate and APY on certificates; $2,500 minimum deposit required to earn stated rates; Jumbo certificate rates over $100,000 available by call
Rate History
1 change since Oct 13, 2026 · 2.02% → 2.78% ▲ 0.76 pts · high 2.78% / low 2.02%
- Oct 23, 20262.78%▲ from 2.02%
- Oct 13, 20262.02%first recorded
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
100 Leibert Rd, Hartford, CT 06120 1617
Roth & Educational IRA Share Certificate - 24 Month
$0
2.25%
▼ 0.24% below Connecticut avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.49%▼ 0.24% below avgNationally 2.90%
Details
All rates effective 10/1/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
100 Leibert Rd, Hartford, CT 06120 1617
Standard IRA Share Certificate - 24 Month
$0
2.25%
▼ 0.24% below Connecticut avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.49%▼ 0.24% below avgNationally 2.90%
Details
All rates effective 10/1/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
100 Leibert Rd, Hartford, CT 06120 1617
Standard Share Certificate - 24 Month
$0
2.25%
▼ 0.24% below Connecticut avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.49%▼ 0.24% below avgNationally 2.90%
Details
All rates effective 10/1/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
624 Franklin Ave, HARTFORD, CT 06114
24 Month Certificate
$0
2.02%
▼ 0.47% below Connecticut avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.49%▼ 0.47% below avgNationally 2.90%
Details
Dividends paid monthly on Average Daily Balance; Automatic rollover at maturity
Rate History
No change since Sep 25, 2026 · 2.02% APY · checked 6 times
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
15 Van Dyke Ave, Hartford, CT 06106 4812
24-Month Certificate
$0
0.30%
▼ 2.19% below Connecticut avg
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.49%▼ 2.19% below avgNationally 2.90%
Details
Minimum balance to open and earn APY is $500; Penalty may be imposed for early withdrawal
Rate History
No change since Sep 18, 2026 · 0.30% APY · checked 7 times
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
15 Van Dyke Ave, Hartford, CT 06106 4812
IRA Certificate - 24-Month
$500
0.30%
▼ 2.19% below Connecticut avg
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.49%▼ 2.19% below avgNationally 2.90%
Details
Rates apply to Traditional, Roth, and Education IRA certificates; penalty may be imposed for early withdrawal
Rate History
No change since Sep 24, 2026 · 0.30% APY · checked 4 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
108 Farmington Ave, Hartford, CT 06105
Private 2 Year CD
$0
0.02%
▼ 2.47% below Connecticut avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.49%▼ 2.47% below avgNationally 2.90%
Details
Balance: $500+; Private Checking account holders
Rate History
No change since Sep 9, 2026 · 0.02% APY · checked 3 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
108 Farmington Ave, Hartford, CT 06105
Personal CD - 2 Year
$0
0.01%
▼ 2.48% below Connecticut avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.49%▼ 2.48% below avgNationally 2.90%
Details
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 2 times
Atlantic Community Bankers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
2 Year CD
$0
4.90%
▲ 2.41% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.49%▲ 2.41% above avgNationally 2.90%
Details
Rate History
No change since Oct 22, 2026 · 4.90% APY
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
Prime Certificates of Deposit - 24 month
$500
4.45%
▲ 1.96% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.49%▲ 1.96% above avgNationally 2.90%
Details
Minimum deposit of $500 to open and earn the APY; APY as of September 15, 2026
Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 4 times
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
24 Month Business Certificate of Deposit - Fixed Rate
$1,000
4.25%
▲ 1.76% above Connecticut avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.49%▲ 1.76% above avgNationally 2.90%
Details
Balance: $1,000 - $249,999.99; IRA terms available
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
24 Month Certificate of Deposit - Fixed Rate
$1,000
4.25%
▲ 1.76% above Connecticut avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.49%▲ 1.76% above avgNationally 2.90%
Details
Balance: $1,000 - $249,999.99 daily balance to earn APY; All terms also available for IRA; Annual Percentage Yield Effective Date: 10/14/2026
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
24-Month CD
$500
4.25%
▲ 1.76% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.49%▲ 1.76% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- Oct 10, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Share & IRA CDs - 24 Months
$500
4.18%
▲ 1.69% above Connecticut avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.49%▲ 1.69% above avgNationally 2.90%
Details
Compounding: monthly; Early withdrawal penalty: 60 days dividends
Rate History
1 change since Sep 18, 2026 · 3.92% → 4.18% ▲ 0.26 pts · high 4.18% / low 3.92%
- Sep 29, 20264.18%▲ from 3.92%
- Sep 18, 20263.92%first recorded
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
24 Month Share Certificate - Regular/IRA
$0
4.13%
▲ 1.64% above Connecticut avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.49%▲ 1.64% above avgNationally 2.90%
Details
Type: Regular/IRA; $500 Minimum Balance Required; dividends declared and paid monthly on average daily balance; early withdrawal penalty may apply; effective as of October 1, 2026
Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 2 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
2-Year Share Certificate
$1,000
4.10%
▲ 1.61% above Connecticut avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.49%▲ 1.61% above avgNationally 2.90%
Details
Penalty for early withdrawal: 6 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.93% → 4.10% ▲ 0.17 pts · high 4.10% / low 3.93%
- Oct 15, 20264.10%▲ from 3.93%
- Sep 14, 20263.93%first recorded
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 24 Months
$0
4.08%
▲ 1.59% above Connecticut avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.49%▲ 1.59% above avgNationally 2.90%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 4.08% APY
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 24 Months
$0
4.08%
▲ 1.59% above Connecticut avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.49%▲ 1.59% above avgNationally 2.90%
Details
Fixed rate; Effective Date: October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.77% → 4.08% ▲ 0.31 pts · high 4.08% / low 3.77%
- Oct 22, 20264.08%▲ from 3.77%
- Sep 14, 20263.77%first recorded
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1 - 2 Year Choose Your Term CD
$500
4.00%
▲ 1.51% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.49%▲ 1.51% above avgNationally 2.90%
Details
Choose a term from 1-2 years; Open in branch or on the phone; Washington Trust checking account required; Maximum deposit amount $5 million; APY effective as of 8/26/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
24 month IRA Certificate
$0
4.00%
▲ 1.51% above Connecticut avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.49%▲ 1.51% above avgNationally 2.90%
Details
Rates are effective as of 01/13/26; Early withdrawal of a Certificate will incur a penalty
Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 6 times
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
24 Month CD
$0
3.90%
▲ 1.41% above Connecticut avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.49%▲ 1.41% above avgNationally 2.90%
Details
Early withdrawal penalty: 6 months' interest
Rate History
1 change since Sep 24, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
- Oct 1, 20263.90%▲ from 3.65%
- Sep 24, 20263.65%first recorded
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
24 Month Share Certificate
$0
3.85%
▲ 1.36% above Connecticut avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.49%▲ 1.36% above avgNationally 2.90%
Details
Rate History
No change since Oct 22, 2026 · 3.85% APY
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
IRA Share Certificate - 24 Month
$0
3.85%
▲ 1.36% above Connecticut avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.49%▲ 1.36% above avgNationally 2.90%
Details
Rate History
No change since Oct 22, 2026 · 3.85% APY
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Term Share Certificate - 2 Years
$500
3.81%
▲ 1.32% above Connecticut avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.49%▲ 1.32% above avgNationally 2.90%
Details
$500 minimum balance required to open and earn posted dividend; early withdrawal penalty six months (180 days) dividends
Rate History
No change since Oct 15, 2026 · 3.81% APY · checked 2 times
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
24 Month Share & IRA Certificates
$500
3.75%
▲ 1.26% above Connecticut avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.49%▲ 1.26% above avgNationally 2.90%
Details
Effective Date: October 19, 2026
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Business Share Certificate - 24 Months
$500
3.75%
▲ 1.26% above Connecticut avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.49%▲ 1.26% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
Northwest Community Bank
Institution Rating:
A4.9 ★Texas Ratio: 7.16%
2 Year Time Deposit & IRA
$500
3.75%
▲ 1.26% above Connecticut avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.49%▲ 1.26% above avgNationally 2.90%
Details
Rate History
1 change since Sep 24, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 7, 20263.75%▲ from 3.50%
- Sep 24, 20263.50%first recorded
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
24 Month IRA & Roth IRA Certificates
$0
3.75%
▲ 1.26% above Connecticut avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.49%▲ 1.26% above avgNationally 2.90%
Details
$500 Minimum to earn APY; Certificate Compounding Frequency is Monthly; Penalty will be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
24 Month Share Certificates
$0
3.75%
▲ 1.26% above Connecticut avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.49%▲ 1.26% above avgNationally 2.90%
Details
$500 Minimum to earn APY; Certificate Compounding Frequency is Monthly; Penalty will be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
Share Certificate - 24 Months
$0
3.75%
▲ 1.26% above Connecticut avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.49%▲ 1.26% above avgNationally 2.90%
Details
Dividend Rate 3.69%; APY 3.75%
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 2 times
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
24 Month Certificate
$2,500
3.72%
▲ 1.23% above Connecticut avg
▼
Rate3.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.49%▲ 1.23% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 3.72% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month Short-Term Certificate
$0
3.70%
▲ 1.21% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.49%▲ 1.21% above avgNationally 2.90%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 3.70% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month Short-Term Certificate
$0
3.66%
▲ 1.17% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.49%▲ 1.17% above avgNationally 2.90%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 3.66% APY
Tobacco Valley Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
2 Year Share Certificate
$1,000
3.65%
▲ 1.16% above Connecticut avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.49%▲ 1.16% above avgNationally 2.90%
Details
Dividends paid quarterly and transferred to Share Savings Account; Additional amounts in $500 increments; Penalties for early withdrawal apply; Auto-renews at maturity
Rate History
No change since Oct 12, 2026 · 3.65% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month EasyStart Certificate
$50
3.60%
▲ 1.11% above Connecticut avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.49%▲ 1.11% above avgNationally 2.90%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.60% APY
Bridgeport Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
24 Month Term Share Certificates
$0
3.56%
▲ 1.07% above Connecticut avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.49%▲ 1.07% above avgNationally 2.90%
Details
Balance: $1,000 to $79,999.99; Early withdrawal penalties apply.
Rate History
No change since Oct 12, 2026 · 3.56% APY · checked 3 times
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
24-Month Share Certificate
$0
3.52%
▲ 1.03% above Connecticut avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.49%▲ 1.03% above avgNationally 2.90%
Details
Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
Rate History
No change since Oct 22, 2026 · 3.52% APY
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
24 Month 360 CD
$0
3.50%
▲ 1.01% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.49%▲ 1.01% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
- Oct 14, 20263.50%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
24 Month CD
$1,000
3.50%
▲ 1.01% above Connecticut avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.49%▲ 1.01% above avgNationally 2.90%
Details
Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 9 times
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
IRA 24 Month CD
$1,000
3.50%
▲ 1.01% above Connecticut avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.49%▲ 1.01% above avgNationally 2.90%
Details
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 2 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Certificate - 2 Years
$0
3.50%
▲ 1.01% above Connecticut avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.49%▲ 1.01% above avgNationally 2.90%
Details
Maximum Balance: $1,000,000 per member; Rates effective as of 10/22/2026; 1 year or longer certificate dividends compound quarterly
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 2 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
IRA Certificate 24 Months
$0
3.50%
▲ 1.01% above Connecticut avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.49%▲ 1.01% above avgNationally 2.90%
Details
Rates effective as of 10/23/2026; NCUA-insured
Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 6 times
Hartford 36 Month CD Rates
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: 7.69%
253 High St, Hartford, CT 06103
Term Share Certificate - 3 Years
$0
4.18%
▲ 1.83% above Connecticut avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.35%▲ 1.83% above avgNationally 2.81%
Details
Effective date: 10/01/2026; Minimum balance $1,000 required to earn stated APY
Rate History
1 change since Sep 12, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
- Oct 4, 20264.18%▲ from 3.87%
- Sep 12, 20263.87%first recorded
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
624 Franklin Ave, Hartford, CT 06114
IRA Certificate - 36 Months
$0
3.35%
▲ 1.00% above Connecticut avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.35%▲ 1.00% above avgNationally 2.81%
Details
Bonus: 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 7 times
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
624 Franklin Ave, Hartford, CT 06114
Regular Certificate - 36 Months
$0
3.35%
▲ 1.00% above Connecticut avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.35%▲ 1.00% above avgNationally 2.81%
Details
Minimum balance on all share certificates: $1,000; Interest paid monthly; 0.25% bonus on $50,000-$99,999.99; 0.50% bonus on $100,000 and over
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 7 times
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
250 MURPHY RD, Hartford, CT 06114
36 Month IRA Share Certificate
$1,000
3.30%
▲ 0.95% above Connecticut avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.35%▲ 0.95% above avgNationally 2.81%
Details
Effective Date: Thursday, October 22nd, 2026; The Dividend Rate and APY are fixed for the term of the account; 10 day period to add or withdraw without penalty; Early withdrawal penalty is half the term of interest
Rate History
No change since Oct 22, 2026 · 3.30% APY
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
250 MURPHY RD, Hartford, CT 06114
36 Month Share Certificates
$1,000
3.25%
▲ 0.90% above Connecticut avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.35%▲ 0.90% above avgNationally 2.81%
Details
Effective Date: Thursday, October 22nd, 2026
Rate History
No change since Oct 22, 2026 · 3.25% APY
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
84 Wadsworth St, Hartford, CT 06106
36 Month IRA
$500
3.05%
▲ 0.70% above Connecticut avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.35%▲ 0.70% above avgNationally 2.81%
Details
Compounded: Daily; IRA Certificate; 180 days dividend early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
964 Asylum Ave, Hartford, CT 06105
Certificate and IRA Certificate - 3 Year
$2,500
3.04%
▲ 0.69% above Connecticut avg
▼
Rate3.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.35%▲ 0.69% above avgNationally 2.81%
Details
Dividend rate and APY on certificates; $2,500 minimum deposit required to earn stated rates; Jumbo certificate rates over $100,000 available by call
Rate History
1 change since Oct 13, 2026 · 2.78% → 3.04% ▲ 0.26 pts · high 3.04% / low 2.78%
- Oct 23, 20263.04%▲ from 2.78%
- Oct 13, 20262.78%first recorded
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
84 Wadsworth St, Hartford, CT 06106
36 Month Certificate
$500
3.00%
▲ 0.65% above Connecticut avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.35%▲ 0.65% above avgNationally 2.81%
Details
Compounded: Daily
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
624 Franklin Ave, HARTFORD, CT 06114
36 Month Certificate
$0
2.02%
▼ 0.33% below Connecticut avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.35%▼ 0.33% below avgNationally 2.81%
Details
Dividends paid monthly on Average Daily Balance; Automatic rollover at maturity
Rate History
No change since Sep 25, 2026 · 2.02% APY · checked 6 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
203 Trumbull St, Hartford, CT 06103
3 Year TD Choice CD
$250
2.00%
▼ 0.35% below Connecticut avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.35%▼ 0.35% below avgNationally 2.81%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
203 Trumbull St, Hartford, CT 06103
3 Year TD Choice CD
$250
1.99%
▼ 0.36% below Connecticut avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.35%▼ 0.36% below avgNationally 2.81%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
15 Van Dyke Ave, Hartford, CT 06106 4812
36-Month Certificate
$0
0.60%
▼ 1.75% below Connecticut avg
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.35%▼ 1.75% below avgNationally 2.81%
Details
Minimum balance to open and earn APY is $500; Penalty may be imposed for early withdrawal
Rate History
No change since Sep 18, 2026 · 0.60% APY · checked 7 times
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
15 Van Dyke Ave, Hartford, CT 06106 4812
IRA Certificate - 36-Month
$500
0.60%
▼ 1.75% below Connecticut avg
▼
Rate0.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.35%▼ 1.75% below avgNationally 2.81%
Details
Rates apply to Traditional, Roth, and Education IRA certificates; penalty may be imposed for early withdrawal
Rate History
No change since Sep 24, 2026 · 0.60% APY · checked 4 times
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
36 Month Business Certificate of Deposit - Fixed Rate
$1,000
4.35%
▲ 2.00% above Connecticut avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.35%▲ 2.00% above avgNationally 2.81%
Details
Balance: $1,000 - $249,999.99; IRA terms available
Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 3 times
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
36 Month Certificate of Deposit - Fixed Rate
$1,000
4.35%
▲ 2.00% above Connecticut avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.35%▲ 2.00% above avgNationally 2.81%
Details
Balance: $1,000 - $249,999.99 daily balance to earn APY; All terms also available for IRA; Annual Percentage Yield Effective Date: 10/14/2026
Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 3 times
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Share & IRA CDs - 36 Months
$500
4.33%
▲ 1.98% above Connecticut avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.35%▲ 1.98% above avgNationally 2.81%
Details
Compounding: monthly; Early withdrawal penalty: 60 days dividends
Rate History
1 change since Sep 18, 2026 · 4.02% → 4.33% ▲ 0.31 pts · high 4.33% / low 4.02%
- Sep 29, 20264.33%▲ from 4.02%
- Sep 18, 20264.02%first recorded
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
36 Month Share Certificate - Regular/IRA
$0
4.23%
▲ 1.88% above Connecticut avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.35%▲ 1.88% above avgNationally 2.81%
Details
Type: Regular/IRA; $500 Minimum Balance Required; dividends declared and paid monthly on average daily balance; early withdrawal penalty may apply; effective as of October 1, 2026
Rate History
No change since Oct 13, 2026 · 4.23% APY · checked 2 times
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 36 Months
$0
4.18%
▲ 1.83% above Connecticut avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.35%▲ 1.83% above avgNationally 2.81%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 4.18% APY
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 36 Months
$0
4.18%
▲ 1.83% above Connecticut avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.35%▲ 1.83% above avgNationally 2.81%
Details
Fixed rate; Effective Date: October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.18% ▲ 0.36 pts · high 4.18% / low 3.82%
- Oct 22, 20264.18%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.15%
▲ 1.80% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.35%▲ 1.80% above avgNationally 2.81%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.15% APY
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
3-Year Share Certificate
$1,000
4.15%
▲ 1.80% above Connecticut avg
▼
Rate4.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.35%▲ 1.80% above avgNationally 2.81%
Details
Penalty for early withdrawal: 9 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.98% → 4.15% ▲ 0.17 pts · high 4.15% / low 3.98%
- Oct 15, 20264.15%▲ from 3.98%
- Sep 14, 20263.98%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.10%
▲ 1.75% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.35%▲ 1.75% above avgNationally 2.81%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.10% APY
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
36 Month Share & IRA Certificates
$500
4.00%
▲ 1.65% above Connecticut avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.35%▲ 1.65% above avgNationally 2.81%
Details
Effective Date: October 19, 2026
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Business Share Certificate - 36 Months
$500
4.00%
▲ 1.65% above Connecticut avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.35%▲ 1.65% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
36 Month Certificate
$2,500
3.82%
▲ 1.47% above Connecticut avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.35%▲ 1.47% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.82% APY · checked 2 times
Northwest Community Bank
Institution Rating:
A4.9 ★Texas Ratio: 7.16%
3 Year Time Deposit & IRA
$500
3.75%
▲ 1.40% above Connecticut avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.35%▲ 1.40% above avgNationally 2.81%
Details
Rate History
1 change since Sep 24, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 7, 20263.75%▲ from 3.50%
- Sep 24, 20263.50%first recorded
Newtown Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
3 Year CD
$500
3.75%
▲ 1.40% above Connecticut avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.35%▲ 1.40% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 365 Days Interest
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 9 times
Tobacco Valley Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
3 Year Share Certificate
$1,000
3.75%
▲ 1.40% above Connecticut avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.35%▲ 1.40% above avgNationally 2.81%
Details
Dividends paid quarterly and transferred to Share Savings Account; Additional amounts in $500 increments; Penalties for early withdrawal apply; Auto-renews at maturity
Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 3 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Certificate - 3 Years
$0
3.75%
▲ 1.40% above Connecticut avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.35%▲ 1.40% above avgNationally 2.81%
Details
Maximum Balance: $1,000,000 per member; Rates effective as of 10/22/2026; 1 year or longer certificate dividends compound quarterly
Rate History
1 change since Oct 12, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 23, 20263.75%▲ from 3.25%
- Oct 12, 20263.25%first recorded
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
IRA Certificates 36 months
$0
3.75%
▲ 1.40% above Connecticut avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.35%▲ 1.40% above avgNationally 2.81%
Details
IRA Certificate; NCUA-insured
Rate History
1 change since Oct 12, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 23, 20263.75%▲ from 3.25%
- Oct 12, 20263.25%first recorded
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
36 Month IRA & Roth IRA Certificates
$0
3.75%
▲ 1.40% above Connecticut avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.35%▲ 1.40% above avgNationally 2.81%
Details
$500 Minimum to earn APY; Certificate Compounding Frequency is Monthly; Penalty will be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
36 Month Share Certificates
$0
3.75%
▲ 1.40% above Connecticut avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.35%▲ 1.40% above avgNationally 2.81%
Details
$500 Minimum to earn APY; Certificate Compounding Frequency is Monthly; Penalty will be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
Share Certificate - 36 Months
$0
3.75%
▲ 1.40% above Connecticut avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.35%▲ 1.40% above avgNationally 2.81%
Details
Dividend Rate 3.69%; APY 3.75%
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 2 times
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
36-Month Share Certificate
$0
3.57%
▲ 1.22% above Connecticut avg
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.35%▲ 1.22% above avgNationally 2.81%
Details
Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
Rate History
No change since Oct 22, 2026 · 3.57% APY
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
36-Month Share Certificate
$0
3.52%
▲ 1.17% above Connecticut avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.35%▲ 1.17% above avgNationally 2.81%
Details
Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
Rate History
No change since Oct 22, 2026 · 3.52% APY
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
36 Month 360 CD
$0
3.50%
▲ 1.15% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.35%▲ 1.15% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
- Oct 14, 20263.50%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
36 Month CD
$1,000
3.50%
▲ 1.15% above Connecticut avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.35%▲ 1.15% above avgNationally 2.81%
Details
Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 9 times
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
IRA 36 Month CD
$1,000
3.50%
▲ 1.15% above Connecticut avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.35%▲ 1.15% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 2 times
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
Certificate of Deposit - 36 Month
$0
3.25%
▲ 0.90% above Connecticut avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.35%▲ 0.90% above avgNationally 2.81%
Details
Rate History
No change since Sep 19, 2026 · 3.25% APY · checked 7 times
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3 Year Certificate of Deposit
$500
3.00%
▲ 0.65% above Connecticut avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.35%▲ 0.65% above avgNationally 2.81%
Details
Regular and IRA certificates; early withdrawal penalties apply
Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 4 times
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Certificate of Deposit - 3 year
$0
3.00%
▲ 0.65% above Connecticut avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.35%▲ 0.65% above avgNationally 2.81%
Details
Certificates of Deposit (Regular and IRAs)
Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 4 times
ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
Certificate of Deposit - 3 Year
$500
3.00%
▲ 0.65% above Connecticut avg
▼
Rate2.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.35%▲ 0.65% above avgNationally 2.81%
Details
Until Maturity; Fixed rate until maturity
Rate History
No change since Oct 12, 2026 · 3.00% APY · checked 3 times
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
IRA Certificates - 36 Month Certificate
$500
3.00%
▲ 0.65% above Connecticut avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.35%▲ 0.65% above avgNationally 2.81%
Details
Compounded: Monthly
Rate History
No change since Oct 15, 2026 · 3.00% APY · checked 2 times
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Share Certificate - 36 Month Certificate
$500
3.00%
▲ 0.65% above Connecticut avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.35%▲ 0.65% above avgNationally 2.81%
Details
Compounded Monthly; Minimum balance to earn APY $500; Minimum deposit to open $500
Rate History
1 change since Sep 16, 2026 · 2.85% → 3.00% ▲ 0.15 pts · high 3.00% / low 2.85%
- Oct 12, 20263.00%▲ from 2.85%
- Sep 16, 20262.85%first recorded
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
3 Year Certificate
$0
3.00%
▲ 0.65% above Connecticut avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.35%▲ 0.65% above avgNationally 2.81%
Details
Savings and IRA (Traditional, Roth, Coverdell) Share Certificates; Required Balance: $500 minimum
Rate History
No change since Oct 15, 2026 · 3.00% APY · checked 2 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
3 Year Online CD
$0
2.75%
▲ 0.40% above Connecticut avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.35%▲ 0.40% above avgNationally 2.81%
Details
Interest rate 2.71%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
Certificate of Deposit - 3 Year
$500
2.54%
▲ 0.19% above Connecticut avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.35%▲ 0.19% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 2.54% APY · checked 2 times
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
IRA Certificate - 3 Year
$500
2.54%
▲ 0.19% above Connecticut avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.35%▲ 0.19% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 2.54% APY · checked 2 times
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Term Share Certificate - 3 Years
$500
2.53%
▲ 0.18% above Connecticut avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.35%▲ 0.18% above avgNationally 2.81%
Details
$500 minimum balance required to open and earn posted dividend; early withdrawal penalty six months (180 days) dividends
Rate History
No change since Oct 15, 2026 · 2.53% APY · checked 2 times
Achieve Financial Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.09%
36 Month Share Certificate
$1,000
2.53%
▲ 0.18% above Connecticut avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.35%▲ 0.18% above avgNationally 2.81%
Details
Standard Certificate; $1,000 minimum opening deposit
Rate History
No change since Oct 9, 2026 · 2.53% APY · checked 2 times
Hartford 48 Month CD Rates
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: 7.69%
253 High St, Hartford, CT 06103
Term Share Certificate - 4 Years
$0
4.23%
▲ 1.98% above Connecticut avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.25%▲ 1.98% above avgNationally 2.81%
Details
Effective date: 10/01/2026; Minimum balance $1,000 required to earn stated APY
Rate History
1 change since Sep 12, 2026 · 3.92% → 4.23% ▲ 0.31 pts · high 4.23% / low 3.92%
- Oct 4, 20264.23%▲ from 3.92%
- Sep 12, 20263.92%first recorded
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
624 Franklin Ave, Hartford, CT 06114
IRA Certificate - 48 Months
$0
3.35%
▲ 1.10% above Connecticut avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.25%▲ 1.10% above avgNationally 2.81%
Details
Bonus: 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 7 times
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
624 Franklin Ave, Hartford, CT 06114
Regular Certificate - 48 Months
$0
3.35%
▲ 1.10% above Connecticut avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.25%▲ 1.10% above avgNationally 2.81%
Details
Minimum balance on all share certificates: $1,000; Interest paid monthly; 0.25% bonus on $50,000-$99,999.99; 0.50% bonus on $100,000 and over
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 7 times
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
250 MURPHY RD, Hartford, CT 06114
48 Month IRA Share Certificate
$1,000
3.30%
▲ 1.05% above Connecticut avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.25%▲ 1.05% above avgNationally 2.81%
Details
Effective Date: Thursday, October 22nd, 2026; The Dividend Rate and APY are fixed for the term of the account; 10 day period to add or withdraw without penalty; Early withdrawal penalty is half the term of interest
Rate History
No change since Oct 22, 2026 · 3.30% APY
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
250 MURPHY RD, Hartford, CT 06114
48 Month Share Certificates
$1,000
3.25%
▲ 1.00% above Connecticut avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.25%▲ 1.00% above avgNationally 2.81%
Details
Effective Date: Thursday, October 22nd, 2026
Rate History
No change since Oct 22, 2026 · 3.25% APY
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
624 Franklin Ave, HARTFORD, CT 06114
48 Month Certificate
$0
2.02%
▼ 0.23% below Connecticut avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.25%▼ 0.23% below avgNationally 2.81%
Details
Dividends paid monthly on Average Daily Balance; Automatic rollover at maturity
Rate History
No change since Sep 25, 2026 · 2.02% APY · checked 6 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
203 Trumbull St, Hartford, CT 06103
4 Year TD Choice CD
$0
1.99%
▼ 0.26% below Connecticut avg
▼
Rate1.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.25%▼ 0.26% below avgNationally 2.81%
Details
No Longer for Sale
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
15 Van Dyke Ave, Hartford, CT 06106 4812
48-Month Certificate
$0
0.60%
▼ 1.65% below Connecticut avg
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.25%▼ 1.65% below avgNationally 2.81%
Details
Minimum balance to open and earn APY is $500; Penalty may be imposed for early withdrawal
Rate History
No change since Sep 18, 2026 · 0.60% APY · checked 7 times
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
15 Van Dyke Ave, Hartford, CT 06106 4812
IRA Certificate - 48-Month
$500
0.60%
▼ 1.65% below Connecticut avg
▼
Rate0.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.25%▼ 1.65% below avgNationally 2.81%
Details
Rates apply to Traditional, Roth, and Education IRA certificates; penalty may be imposed for early withdrawal
Rate History
No change since Sep 24, 2026 · 0.60% APY · checked 4 times
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Share & IRA CDs - 48 Months
$500
4.44%
▲ 2.19% above Connecticut avg
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.25%▲ 2.19% above avgNationally 2.81%
Details
Compounding: monthly; Early withdrawal penalty: 90 days dividends
Rate History
1 change since Sep 18, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
- Sep 29, 20264.44%▲ from 4.18%
- Sep 18, 20264.18%first recorded
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
48 Month Business Certificate of Deposit - Fixed Rate
$1,000
4.35%
▲ 2.10% above Connecticut avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.25%▲ 2.10% above avgNationally 2.81%
Details
Balance: $1,000 - $249,999.99; IRA terms available
Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 3 times
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
48 Month Certificate of Deposit - Fixed Rate
$1,000
4.35%
▲ 2.10% above Connecticut avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.25%▲ 2.10% above avgNationally 2.81%
Details
Balance: $1,000 - $249,999.99 daily balance to earn APY; All terms also available for IRA; Annual Percentage Yield Effective Date: 10/14/2026
Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 3 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
4-Year Share Certificate
$1,000
4.20%
▲ 1.95% above Connecticut avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.25%▲ 1.95% above avgNationally 2.81%
Details
Penalty for early withdrawal: 9 Months Dividends
Rate History
1 change since Sep 14, 2026 · 4.03% → 4.20% ▲ 0.17 pts · high 4.20% / low 4.03%
- Oct 15, 20264.20%▲ from 4.03%
- Sep 14, 20264.03%first recorded
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 48 Months
$0
4.18%
▲ 1.93% above Connecticut avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.25%▲ 1.93% above avgNationally 2.81%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 4.18% APY
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 48 Months
$0
4.18%
▲ 1.93% above Connecticut avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.25%▲ 1.93% above avgNationally 2.81%
Details
Fixed rate; Effective Date: October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.18% ▲ 0.36 pts · high 4.18% / low 3.82%
- Oct 22, 20264.18%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
48 Month Certificate
$2,500
3.82%
▲ 1.57% above Connecticut avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.25%▲ 1.57% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.82% APY · checked 2 times
Northwest Community Bank
Institution Rating:
A4.9 ★Texas Ratio: 7.16%
4 Year Time Deposit & IRA
$500
3.75%
▲ 1.50% above Connecticut avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.25%▲ 1.50% above avgNationally 2.81%
Details
Rate History
1 change since Sep 24, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 7, 20263.75%▲ from 3.50%
- Sep 24, 20263.50%first recorded
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
Share Certificate - 48 Months
$0
3.75%
▲ 1.50% above Connecticut avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.25%▲ 1.50% above avgNationally 2.81%
Details
Dividend Rate 3.69%; APY 3.75%
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 2 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
48 Month 360 CD
$0
3.50%
▲ 1.25% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.25%▲ 1.25% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
- Oct 14, 20263.50%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
48 Month CD
$1,000
3.50%
▲ 1.25% above Connecticut avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.25%▲ 1.25% above avgNationally 2.81%
Details
Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 9 times
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
IRA 48 Month CD
$1,000
3.50%
▲ 1.25% above Connecticut avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.25%▲ 1.25% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 2 times
Newtown Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
4 Year CD
$500
3.50%
▲ 1.25% above Connecticut avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.25%▲ 1.25% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 365 Days Interest
Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 9 times
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
48 Month IRA & Roth IRA Certificates
$0
3.50%
▲ 1.25% above Connecticut avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.25%▲ 1.25% above avgNationally 2.81%
Details
$500 Minimum to earn APY; Certificate Compounding Frequency is Monthly; Penalty will be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
48 Month Share Certificates
$0
3.50%
▲ 1.25% above Connecticut avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.25%▲ 1.25% above avgNationally 2.81%
Details
$500 Minimum to earn APY; Certificate Compounding Frequency is Monthly; Penalty will be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
IRA Certificates - 48 Month Certificate
$500
3.10%
▲ 0.85% above Connecticut avg
▼
Rate3.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.25%▲ 0.85% above avgNationally 2.81%
Details
Compounded: Monthly
Rate History
No change since Oct 15, 2026 · 3.10% APY · checked 2 times
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Share Certificate - 48 Month Certificate
$500
3.10%
▲ 0.85% above Connecticut avg
▼
Rate3.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.25%▲ 0.85% above avgNationally 2.81%
Details
Compounded Monthly; Minimum balance to earn APY $500; Minimum deposit to open $500
Rate History
1 change since Sep 16, 2026 · 2.95% → 3.10% ▲ 0.15 pts · high 3.10% / low 2.95%
- Oct 12, 20263.10%▲ from 2.95%
- Sep 16, 20262.95%first recorded
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
4 Year Certificate of Deposit
$500
3.00%
▲ 0.75% above Connecticut avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.25%▲ 0.75% above avgNationally 2.81%
Details
Regular and IRA certificates; early withdrawal penalties apply
Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 4 times
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Certificate of Deposit - 4 year
$0
3.00%
▲ 0.75% above Connecticut avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.25%▲ 0.75% above avgNationally 2.81%
Details
Certificates of Deposit (Regular and IRAs)
Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 4 times
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
4 Year Certificate
$0
3.00%
▲ 0.75% above Connecticut avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.25%▲ 0.75% above avgNationally 2.81%
Details
Savings and IRA (Traditional, Roth, Coverdell) Share Certificates; Required Balance: $500 minimum
Rate History
No change since Oct 15, 2026 · 3.00% APY · checked 2 times
Achieve Financial Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.09%
48 Month Share Certificate
$1,000
2.79%
▲ 0.54% above Connecticut avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.25%▲ 0.54% above avgNationally 2.81%
Details
Standard Certificate; $1,000 minimum opening deposit
Rate History
No change since Oct 9, 2026 · 2.79% APY · checked 2 times
MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Share Certificate 48 Months
$1,000
2.78%
▲ 0.53% above Connecticut avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.25%▲ 0.53% above avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 2.78% APY
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
4 Year Online CD
$0
2.75%
▲ 0.50% above Connecticut avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.25%▲ 0.50% above avgNationally 2.81%
Details
Interest rate 2.71%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
FD Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
48 Month CD
$500
2.75%
▲ 0.50% above Connecticut avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.25%▲ 0.50% above avgNationally 2.81%
Details
Dividends compounded monthly; Early withdrawal penalty = 180 days dividend
Rate History
No change since Sep 20, 2026 · 2.75% APY · checked 7 times
New Haven County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
4 Year Share Certificate
$500
2.63%
▲ 0.38% above Connecticut avg
▼
Rate2.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.25%▲ 0.38% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 2.63% APY · checked 2 times
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
CD & IRA - 48 Months
$1,000
2.55%
▲ 0.30% above Connecticut avg
▼
Rate2.52%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.25%▲ 0.30% above avgNationally 2.81%
Details
Quarterly Post or Interest Checks; interest checks reduce APY
Rate History
No change since Sep 14, 2026 · 2.55% APY · checked 9 times
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
48 month IRA Certificate
$0
2.55%
▲ 0.30% above Connecticut avg
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.25%▲ 0.30% above avgNationally 2.81%
Details
Rates are effective as of 01/13/26; Early withdrawal of a Certificate will incur a penalty
Rate History
No change since Sep 20, 2026 · 2.55% APY · checked 6 times
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
Certificate of Deposit - 4 Year
$500
2.54%
▲ 0.29% above Connecticut avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.25%▲ 0.29% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 2.54% APY · checked 2 times
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
IRA Certificate - 4 Year
$500
2.54%
▲ 0.29% above Connecticut avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.25%▲ 0.29% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 2.54% APY · checked 2 times
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Term Share Certificate - 4 Years
$500
2.53%
▲ 0.28% above Connecticut avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.25%▲ 0.28% above avgNationally 2.81%
Details
$500 minimum balance required to open and earn posted dividend; early withdrawal penalty six months (180 days) dividends
Rate History
No change since Oct 15, 2026 · 2.53% APY · checked 2 times
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
48 Month Share Certificate
$0
2.50%
▲ 0.25% above Connecticut avg
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.25%▲ 0.25% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 2.50% APY
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
IRA Share Certificate - 48 Month
$0
2.50%
▲ 0.25% above Connecticut avg
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.25%▲ 0.25% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 2.50% APY
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
Star Relationship CD - 4 Year
$500
2.50%
▲ 0.25% above Connecticut avg
▼
Rate2.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.25%▲ 0.25% above avgNationally 2.81%
Details
Star Relationship CD
Rate History
No change since Sep 8, 2026 · 2.50% APY · checked 4 times
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
4 Year IRA CD - Premium
$500
2.50%
▲ 0.25% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.25%▲ 0.25% above avgNationally 2.81%
Details
IRA; minimum to open IRA $500.00; Premium APY; requires Personal Premium Checking or Personal Premium Money Market account
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 3 times
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
4-Year CD
$0
2.50%
▲ 0.25% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.25%▲ 0.25% above avgNationally 2.81%
Details
Premium APY (footnotes 1,2)
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 3 times
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
Individual Retirement Account (IRA) CD - 4 Year
$0
2.50%
▲ 0.25% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.25%▲ 0.25% above avgNationally 2.81%
Details
Premium APY
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 2 times
ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
Certificate of Deposit - 4 Year
$500
2.50%
▲ 0.25% above Connecticut avg
▼
Rate2.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.25%▲ 0.25% above avgNationally 2.81%
Details
Until Maturity; Fixed rate until maturity
Rate History
No change since Oct 12, 2026 · 2.50% APY · checked 3 times
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
48 month Certificate
$1,000
2.50%
▲ 0.25% above Connecticut avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.25%▲ 0.25% above avgNationally 2.81%
Details
Rates effective as of 01/13/26; early withdrawal penalty applies
Rate History
No change since Sep 12, 2026 · 2.50% APY · checked 12 times
Hometown Bank Oxford, MA
Institution Rating:
B4.5 ★Texas Ratio: 21.49%
Certificate of Deposit 48 Months
$1,000
2.40%
▲ 0.15% above Connecticut avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.25%▲ 0.15% above avgNationally 2.81%
Details
Minimum opening deposit $1,000
Rate History
1 change since Sep 14, 2026 · 2.35% → 2.40% ▲ 0.05 pts · high 2.40% / low 2.35%
- Oct 7, 20262.40%▲ from 2.35%
- Sep 14, 20262.35%first recorded
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
Certificate of Deposit (CD) - 4 Year
$500
2.25%
At Connecticut avg
▼
Rate2.19%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.25%At the averageNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 2.25% APY · checked 2 times
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
4 Year IRA CD
$500
2.25%
At Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.25%At the averageNationally 2.81%
Details
IRA; minimum to open IRA $500.00
Rate History
No change since Oct 8, 2026 · 2.25% APY · checked 2 times
Hartford 60 Month CD Rates
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: 7.69%
253 High St, Hartford, CT 06103
Term Share Certificate - 5 Years
$0
4.28%
▲ 1.92% above Connecticut avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.36%▲ 1.92% above avgNationally 2.92%
Details
Effective date: 10/01/2026; Minimum balance $1,000 required to earn stated APY
Rate History
1 change since Sep 12, 2026 · 3.92% → 4.28% ▲ 0.36 pts · high 4.28% / low 3.92%
- Oct 4, 20264.28%▲ from 3.92%
- Sep 12, 20263.92%first recorded
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
624 Franklin Ave, Hartford, CT 06114
IRA Certificate - 60 Months
$0
3.35%
▲ 0.99% above Connecticut avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.36%▲ 0.99% above avgNationally 2.92%
Details
Bonus: 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 7 times
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
624 Franklin Ave, Hartford, CT 06114
Regular Certificate - 60 Months
$0
3.35%
▲ 0.99% above Connecticut avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.36%▲ 0.99% above avgNationally 2.92%
Details
Minimum balance on all share certificates: $1,000; Interest paid monthly; 0.25% bonus on $50,000-$99,999.99; 0.50% bonus on $100,000 and over
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 7 times
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
964 Asylum Ave, Hartford, CT 06105
Certificate and IRA Certificate - 5 Year
$2,500
3.30%
▲ 0.94% above Connecticut avg
▼
Rate3.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.36%▲ 0.94% above avgNationally 2.92%
Details
Dividend rate and APY on certificates; $2,500 minimum deposit required to earn stated rates; Jumbo certificate rates over $100,000 available by call
Rate History
1 change since Oct 13, 2026 · 2.53% → 3.30% ▲ 0.77 pts · high 3.30% / low 2.53%
- Oct 23, 20263.30%▲ from 2.53%
- Oct 13, 20262.53%first recorded
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
964 Asylum Ave, Hartford, CT 06105
Certificate and IRA Certificate - 2.5 Year
$2,500
2.78%
▲ 0.42% above Connecticut avg
▼
Rate2.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.36%▲ 0.42% above avgNationally 2.92%
Details
Dividend rate and APY on certificates; $2,500 minimum deposit required to earn stated rates; Jumbo certificate rates over $100,000 available by call
Rate History
No change since Oct 23, 2026 · 2.78% APY
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
624 Franklin Ave, HARTFORD, CT 06114
60 Month Certificate
$0
2.02%
▼ 0.34% below Connecticut avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.36%▼ 0.34% below avgNationally 2.92%
Details
Dividends paid monthly on Average Daily Balance; Automatic rollover at maturity
Rate History
No change since Sep 25, 2026 · 2.02% APY · checked 6 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
203 Trumbull St, Hartford, CT 06103
5 Year TD Choice CD
$250
2.00%
▼ 0.36% below Connecticut avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.36%▼ 0.36% below avgNationally 2.92%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
203 Trumbull St, Hartford, CT 06103
5 Year TD Choice CD
$250
1.99%
▼ 0.37% below Connecticut avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.36%▼ 0.37% below avgNationally 2.92%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
15 Van Dyke Ave, Hartford, CT 06106 4812
60-Month Certificate
$0
0.75%
▼ 1.61% below Connecticut avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.36%▼ 1.61% below avgNationally 2.92%
Details
Minimum balance to open and earn APY is $500; Penalty may be imposed for early withdrawal
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 7 times
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
15 Van Dyke Ave, Hartford, CT 06106 4812
IRA Certificate - 60-Month
$500
0.75%
▼ 1.61% below Connecticut avg
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.36%▼ 1.61% below avgNationally 2.92%
Details
Rates apply to Traditional, Roth, and Education IRA certificates; penalty may be imposed for early withdrawal
Rate History
No change since Sep 24, 2026 · 0.75% APY · checked 4 times
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Share & IRA CDs - 60 Months
$500
4.49%
▲ 2.13% above Connecticut avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.36%▲ 2.13% above avgNationally 2.92%
Details
Compounding: monthly; Early withdrawal penalty: 90 days dividends
Rate History
1 change since Sep 18, 2026 · 4.34% → 4.49% ▲ 0.15 pts · high 4.49% / low 4.34%
- Sep 29, 20264.49%▲ from 4.34%
- Sep 18, 20264.34%first recorded
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
60 Month Business Certificate of Deposit - Fixed Rate
$1,000
4.35%
▲ 1.99% above Connecticut avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.36%▲ 1.99% above avgNationally 2.92%
Details
Balance: $1,000 - $249,999.99; IRA terms available
Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 3 times
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
60 Month Certificate of Deposit - Fixed Rate
$1,000
4.35%
▲ 1.99% above Connecticut avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.36%▲ 1.99% above avgNationally 2.92%
Details
Balance: $1,000 - $249,999.99 daily balance to earn APY; All terms also available for IRA; Annual Percentage Yield Effective Date: 10/14/2026
Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 3 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
5-Year Share Certificate
$1,000
4.25%
▲ 1.89% above Connecticut avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.36%▲ 1.89% above avgNationally 2.92%
Details
Penalty for early withdrawal: 9 Months Dividends
Rate History
1 change since Sep 14, 2026 · 4.08% → 4.25% ▲ 0.17 pts · high 4.25% / low 4.08%
- Oct 15, 20264.25%▲ from 4.08%
- Sep 14, 20264.08%first recorded
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
60 Month Share Certificate - Regular/IRA
$0
4.23%
▲ 1.87% above Connecticut avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.36%▲ 1.87% above avgNationally 2.92%
Details
Type: Regular/IRA; $500 Minimum Balance Required; dividends declared and paid monthly on average daily balance; early withdrawal penalty may apply; effective as of October 1, 2026
Rate History
No change since Oct 13, 2026 · 4.23% APY · checked 2 times
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 60 Months
$0
4.18%
▲ 1.82% above Connecticut avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.36%▲ 1.82% above avgNationally 2.92%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 4.18% APY
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 60 Months
$0
4.18%
▲ 1.82% above Connecticut avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.36%▲ 1.82% above avgNationally 2.92%
Details
Fixed rate; Effective Date: October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.18% ▲ 0.36 pts · high 4.18% / low 3.82%
- Oct 22, 20264.18%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
60 Month Share & IRA Certificates
$500
4.00%
▲ 1.64% above Connecticut avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.36%▲ 1.64% above avgNationally 2.92%
Details
Effective Date: October 19, 2026
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Business Share Certificate - 60 Months
$500
4.00%
▲ 1.64% above Connecticut avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.36%▲ 1.64% above avgNationally 2.92%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.90%
▲ 1.54% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.36%▲ 1.54% above avgNationally 2.92%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.90% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.85%
▲ 1.49% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.36%▲ 1.49% above avgNationally 2.92%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.85% APY
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
60 Month Certificate
$2,500
3.82%
▲ 1.46% above Connecticut avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.36%▲ 1.46% above avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 3.82% APY · checked 2 times
Northwest Community Bank
Institution Rating:
A4.9 ★Texas Ratio: 7.16%
5 Year Time Deposit & IRA
$500
3.75%
▲ 1.39% above Connecticut avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.36%▲ 1.39% above avgNationally 2.92%
Details
Rate History
1 change since Sep 24, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 7, 20263.75%▲ from 3.50%
- Sep 24, 20263.50%first recorded
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
Share Certificate - 60 Months
$0
3.75%
▲ 1.39% above Connecticut avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.36%▲ 1.39% above avgNationally 2.92%
Details
Dividend Rate 3.69%; APY 3.75%
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 2 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5-year online CDs
$0
3.60%
▲ 1.24% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.36%▲ 1.24% above avgNationally 2.92%
Details
Online CD
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 7 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
60 Month 360 CD
$0
3.60%
▲ 1.24% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.36%▲ 1.24% above avgNationally 2.92%
Details
5-year online CD
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
60 Month CD
$1,000
3.50%
▲ 1.14% above Connecticut avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.36%▲ 1.14% above avgNationally 2.92%
Details
Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 9 times
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
IRA 60 Month CD
$1,000
3.50%
▲ 1.14% above Connecticut avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.36%▲ 1.14% above avgNationally 2.92%
Details
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 2 times
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Investment Share and IRA Certificates - 60 Months
$0
3.50%
▲ 1.14% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.36%▲ 1.14% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 2.50% → 3.50% ▲ 1.00 pts · high 3.50% / low 2.50%
- Oct 5, 20263.50%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
60 Month IRA & Roth IRA Certificates
$0
3.50%
▲ 1.14% above Connecticut avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.36%▲ 1.14% above avgNationally 2.92%
Details
$500 Minimum to earn APY; Certificate Compounding Frequency is Monthly; Penalty will be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
60 Month Share Certificates
$0
3.50%
▲ 1.14% above Connecticut avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.36%▲ 1.14% above avgNationally 2.92%
Details
$500 Minimum to earn APY; Certificate Compounding Frequency is Monthly; Penalty will be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
IRA Certificates - 60 Month Certificate
$500
3.20%
▲ 0.84% above Connecticut avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.36%▲ 0.84% above avgNationally 2.92%
Details
Compounded: Monthly
Rate History
No change since Oct 15, 2026 · 3.20% APY · checked 2 times
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Share Certificate - 60 Month Certificate
$500
3.20%
▲ 0.84% above Connecticut avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.36%▲ 0.84% above avgNationally 2.92%
Details
Compounded Monthly; Minimum balance to earn APY $500; Minimum deposit to open $500
Rate History
1 change since Sep 16, 2026 · 3.05% → 3.20% ▲ 0.15 pts · high 3.20% / low 3.05%
- Oct 12, 20263.20%▲ from 3.05%
- Sep 16, 20263.05%first recorded
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
60 month IRA Certificate
$0
3.05%
▲ 0.69% above Connecticut avg
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.36%▲ 0.69% above avgNationally 2.92%
Details
Rates are effective as of 01/13/26; Early withdrawal of a Certificate will incur a penalty
Rate History
No change since Sep 20, 2026 · 3.05% APY · checked 6 times
Achieve Financial Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.09%
60 Month Share Certificate
$1,000
3.05%
▲ 0.69% above Connecticut avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.36%▲ 0.69% above avgNationally 2.92%
Details
Standard Certificate; $1,000 minimum opening deposit
Rate History
No change since Oct 9, 2026 · 3.05% APY · checked 2 times
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
5 Year Certificate of Deposit
$500
3.00%
▲ 0.64% above Connecticut avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.36%▲ 0.64% above avgNationally 2.92%
Details
Regular and IRA certificates; early withdrawal penalties apply
Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 4 times
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Certificate of Deposit - 5 year
$0
3.00%
▲ 0.64% above Connecticut avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.36%▲ 0.64% above avgNationally 2.92%
Details
Certificates of Deposit (Regular and IRAs)
Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 4 times
FD Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
60 Month CD
$500
3.00%
▲ 0.64% above Connecticut avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.36%▲ 0.64% above avgNationally 2.92%
Details
Dividends compounded monthly; Early withdrawal penalty = 180 days dividend
Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 7 times
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
5 Year Certificate
$0
3.00%
▲ 0.64% above Connecticut avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.36%▲ 0.64% above avgNationally 2.92%
Details
Savings and IRA (Traditional, Roth, Coverdell) Share Certificates; Required Balance: $500 minimum
Rate History
No change since Oct 15, 2026 · 3.00% APY · checked 2 times
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
60 month Certificate
$1,000
3.00%
▲ 0.64% above Connecticut avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Connecticut Average2.36%▲ 0.64% above avgNationally 2.92%
Details
Rates effective as of 01/13/26; early withdrawal penalty applies
Rate History
No change since Sep 12, 2026 · 3.00% APY · checked 12 times
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
60 Month Share Certificate
$0
3.00%
▲ 0.64% above Connecticut avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.36%▲ 0.64% above avgNationally 2.92%
Details
Share Certificates section; $1,000 minimum balance to earn dividends
Rate History
No change since Oct 9, 2026 · 3.00% APY · checked 4 times
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Share Certificate 60 Months
$0
3.00%
▲ 0.64% above Connecticut avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.36%▲ 0.64% above avgNationally 2.92%
Details
Dividend rate; $1,000 minimum balance to earn dividends
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
New Haven County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
5 Year Share Certificate
$500
2.84%
▲ 0.48% above Connecticut avg
▼
Rate2.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.36%▲ 0.48% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 2.84% APY · checked 2 times
MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Share Certificate 60 Months
$1,000
2.78%
▲ 0.42% above Connecticut avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Connecticut Average2.36%▲ 0.42% above avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 2.78% APY
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
5 Year Online CD
$0
2.75%
▲ 0.39% above Connecticut avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.36%▲ 0.39% above avgNationally 2.92%
Details
Interest rate 2.71%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
Online CD - 5 Year
$0
2.75%
▲ 0.39% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.36%▲ 0.39% above avgNationally 2.92%
Details
Online CD; Open online; APY accurate as of 07/28/2026
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
60 Month Share Certificate
$0
2.75%
▲ 0.39% above Connecticut avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.36%▲ 0.39% above avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 2.75% APY
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
IRA Share Certificate - 60 Month
$0
2.75%
▲ 0.39% above Connecticut avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Connecticut Average2.36%▲ 0.39% above avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 2.75% APY
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
Certificate of Deposit - 5 Years
$500
2.75%
▲ 0.39% above Connecticut avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Connecticut Average2.36%▲ 0.39% above avgNationally 2.92%
Details
Minimum balance to earn stated APY $0.01; Freedom Ultra Checking and Freedom Plus Checking customers receive an extra 0.25% APY on the above rates
Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 2 times
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
Certificate of Deposit - 5 Year
$500
2.54%
▲ 0.18% above Connecticut avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Connecticut Average2.36%▲ 0.18% above avgNationally 2.92%
Details
Rate History
No change since Oct 20, 2026 · 2.54% APY · checked 2 times
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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.
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Hartford, CT CD Rate Trends
Compare local Hartford, 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.
12-Month CD CT Avg
2.784%
▲ 0.067 vs 7 days ago
Connecticut 12-month CD rates rose 0.067 points over the past 7 days to 2.784% APY.
6-Month CD CT Avg
2.477%
▼ 0.008 vs 7 days ago
Connecticut 6-month CD rates fell 0.008 points over the past 7 days to 2.477% APY.
As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates
CT CD Rate Forecast, Next 12 Months
Where are Connecticut CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CT 12-Month Avg APY
2.784%
6-Month Forecast
2.784%
Range: 2.58%, 2.93%
12-Month Forecast
3.034%
Range: 2.83%, 3.18%
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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 | 1.521% | $76.07 | $152.13 | $380.33 | $760.65 |
| 6-Month CD | 2.477% | $123.84 | $247.67 | $619.18 | $1,238.35 |
| 12-Month CD | 2.784% | $139.21 | $278.41 | $696.03 | $1,392.05 |
| 18-Month CD | 2.633% | $131.64 | $263.27 | $658.18 | $1,316.35 |
| 24-Month CD | 2.487% | $124.33 | $248.66 | $621.65 | $1,243.30 |
| 36-Month CD | 2.346% | $117.32 | $234.64 | $586.60 | $1,173.20 |
| 48-Month CD | 2.253% | $112.63 | $225.26 | $563.15 | $1,126.30 |
| 60-Month CD | 2.362% | $118.11 | $236.21 | $590.53 | $1,181.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026. | |||||
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Sample CD Ladder for Hartford, 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.
| Rung | Term | Deposit | CT Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.521% | $76.07 |
| 2 | 6-Month CD | $5,000 | 2.477% | $123.84 |
| 3 | 12-Month CD | $5,000 | 2.784% | $139.21 |
| 4 | 24-Month CD | $5,000 | 2.487% | $124.33 |
| 5 | 36-Month CD | $5,000 | 2.346% | $117.32 |
| Total ($25,000 invested) | $25,000 | 2.323% blended | $580.77/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.
Powered byMonitorBankRates
847
CD Rates
Tracked in Hartford, Connecticut
Tracked in Hartford, Connecticut
38 Banks
50 Credit Unions
About Our Hartford, Connecticut CD Rate Database
MonitorBankRates tracks 847 CD rates from 38 banks and 50 credit unions with locations in Hartford, 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 to 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: TD Bank offers a CD at 4.30% APY with a minimum deposit of $250. Use the rate table above to compare all current offers in Hartford, Connecticut.
How to Find the Best CD Rates in Hartford, Connecticut
What to compare when shopping for a CD in Hartford, Connecticut
To find the best APYs in Hartford, Connecticut, start with credit unions and online-only banks: Hartford, Connecticut has 50 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 Hartford, 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 Hartford, Connecticut: 88 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Hartford, Connecticut savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Hartford, Connecticut money market rates
Hartford, Connecticut Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
12.2%
National avg: 17.3%
Median Individual Earnings
$34,003
National avg: $47,340
Poverty Rate
26.3%
National avg: 11.1%
Unemployment Rate
10.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$95/yr
At CT 12-mo avg 2.784% APY
12.2% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 10.7% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s CT 12-month CD average of 2.784%, saving 10% of the local median salary ($3,400/year) and putting it in a CD would earn an additional $95 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 Hartford, 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 to 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 Hartford, 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 Hartford, 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 Hartford, Connecticut as everywhere in the U.S.
Choosing a CD Term in Hartford, 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 Hartford, Connecticut savers easier access to their funds. For example, Metropolitan District Employees Credit Union is offering its 6 Month IRA Share Certificate at 4.05% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Police Federal Credit Union Of Connecticut is offering its Term Share Certificate - 5 Years at 4.28% 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 Hartford, 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 Hartford, 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 Hartford, 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 Hartford, 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 Hartford, Connecticut
Most CDs carry a fixed rate that is locked for the entire term, protecting a Hartford, 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 Hartford, Connecticut
Are CD rates in Hartford, Connecticut FDIC insured?
Yes, most established banks in Hartford, 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 Hartford, 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 Hartford, 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 Hartford, 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 Hartford, Connecticut?
Here are recent top rates found for this area:
- TD Bank: 4.30% APY (24 Month TD Choice CD)
- Police Federal Credit Union Of Connecticut: 4.28% APY (Term Share Certificate - 5 Years)
- Metropolitan District Employees Credit Union: 4.05% APY (12 Month IRA Share Certificate)
- Santander Bank: 4.00% APY (18-Month CD)
- Webster Bank: 4.00% APY (Private 18 Month CD)
- M&T Bank: 3.85% APY (18 MONTH SELECT Certificate of Deposit)
- Enfield Community Federal Credit Union: 3.81% APY (12 Month Certificate)
- American Eagle Financial Credit Union: 3.75% APY (6-Month Certificate)
- Hartford Firefighters Federal Credit Union: 3.75% APY (Share Certificate Special - 18 Month)
- Connecticut State Employees Credit Union: 3.75% APY (6 Month Certificate)
Rates reflect recent verified offers available in Hartford, Connecticut. Last Updated: October 23, 2026
Hartford, 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 Hartford, 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 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Hartford, Connecticut
Hartford, Connecticut CD Calculator
At today’s CT top rate of 4.30% APY, a $10,000 deposit earns $430 in the first year. Enter your amount to see your exact return.
Hartford, Connecticut CD LadderCT CD rates currently range from 1.521% (3-month) to 2.346% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Hartford, Connecticut CD at 4.30% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsConnecticut’s average 12-month CD is 2.784% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Hartford, 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 Hartford, 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 Hartford, 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: October 23, 2026
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