Uncasville, Connecticut Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
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.
Uncasville, Connecticut CD rates range from 0.01% to 5.05% APY, verified by MonitorBankRates as of October 31, 2026. Current Uncasville, Connecticut CD rates include Citizens AccessCitizens Access221 Norwich New London Tpke, Uncasville, CT 06382A+5.0 ★Texas Ratio: 5.44%Real return: -0.45%APY minus CPIRate verified Oct 31, 2026 offering 1 Year Online CD at 3.25% APY, Charter Oak Federal Credit UnionCharter Oak Federal Credit Union601 Norwich New London Tpke, Uncasville, CT 06382A+5.0 ★Texas Ratio: 1.98%Real return: -3.20%APY minus CPIRate verified Oct 28, 2026 offering Long-Term Share Certificate - 18 Month at 0.50% APY, Dime BankDime Bank563 Norwich New London Tpke, Uncasville, CT 06382A+5.0 ★Texas Ratio: 1.37%Real return: -3.30%APY minus CPIRate verified Oct 31, 2026 offering Certificate of Deposit Account - 5 Years at 0.40% APY, Usalliance Credit UnionUsalliance Credit UnionA5.0 ★Texas Ratio: 8.11%Real return: +1.35%APY minus CPIRate verified Oct 30, 2026 offering 18 Month Certificate at 5.05% APY, and Atlantic Community Bankers BankAtlantic Community Bankers BankA+5.0 ★Texas Ratio: 2.05%Real return: +0.96%APY minus CPIRate verified Oct 30, 2026 offering CD 1 Year at 4.66% APY. CD rates as of October 31, 2026 according to verified data from MonitorBankRates.
Uncasville has 20 local institutions in our database, with CD rates as high as 3.25% APY from Citizens Access at 221 Norwich New London Tpke, Uncasville, CT 06382. 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 31, 2026
Compare Best CD Rates in Uncasville, Connecticut & the Surrounding Area
Uncasville 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Charter Oak Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
601 Norwich New London Tpke, Uncasville, CT 06382
Short-Term Share Certificate - 3 Month
$0
0.15%
▼ 1.39% below Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average1.54%▼ 1.39% below avgNationally 2.13%
Details
Rate History
No change since Oct 8, 2026 · 0.15% APY · checked 3 times
Atlantic Community Bankers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
CD 3 Month
$0
4.31%
▲ 2.77% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average1.54%▲ 2.77% above avgNationally 2.13%
Details
A minimum balance of $100,000 is required for ACBB CDs; rates subject to change based on market conditions and availability
Rate History
1 change since Oct 22, 2026 · 4.32% → 4.31% ▼ 0.01 pts · high 4.32% / low 4.31%
- Oct 30, 20264.31%▼ from 4.32%
- Oct 22, 20264.32%first recorded
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
Prime Certificates of Deposit - 3 month
$500
4.05%
▲ 2.51% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Connecticut Average1.54%▲ 2.51% 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 22, 2026 · 4.05% APY · checked 2 times
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
3 Month IRA Share Certificate
$1,000
4.05%
▲ 2.51% above Connecticut avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average1.54%▲ 2.51% above avgNationally 2.13%
Details
Effective Date: Thursday, October 29th, 2026; Dividend Rate and APY fixed for the term; early withdrawal penalty is half the term of interest
Rate History
No change since Oct 22, 2026 · 4.05% APY · checked 2 times
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
3 Month CD
$0
4.00%
▲ 2.46% above Connecticut avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average1.54%▲ 2.46% above avgNationally 2.13%
Details
Minimum collected daily balance of $1,000.00 to obtain disclosed APY; Must be opened with funds not currently on deposit with First County Bank
Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
Share Certificate - 3 months
$1,000
4.00%
▲ 2.46% above Connecticut avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average1.54%▲ 2.46% above avgNationally 2.13%
Details
Effective Date: Thursday, October 29th, 2026
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3 Month Certificates
$0
3.90%
▲ 2.36% above Connecticut avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average1.54%▲ 2.36% above avgNationally 2.13%
Details
Dividend rate from Compare Savings Accounts table; term from 3 months to 5 years
Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 3 times
Northwest Community Bank
Institution Rating:
A4.9 ★Texas Ratio: 7.16%
3 Month Time Deposit & IRA
$500
3.70%
▲ 2.16% above Connecticut avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average1.54%▲ 2.16% 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%
▲ 2.16% above Connecticut avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Connecticut Average1.54%▲ 2.16% above avgNationally 2.13%
Details
Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 8 times
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
IRA Accounts - 3 Month Certificate
$500
3.70%
▲ 2.16% above Connecticut avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Connecticut Average1.54%▲ 2.16% above avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 3.70% APY · checked 2 times
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
Star Relationship CD 3 Month
$500
3.50%
▲ 1.96% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average1.54%▲ 1.96% above avgNationally 2.13%
Details
$500 Minimum unless otherwise noted; Early Withdrawal Penalties May Apply; Effective Date: 10/30/2026
Rate History
No change since Sep 8, 2026 · 3.50% APY · checked 6 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
3-Month Share Certificate
$1,000
3.35%
▲ 1.81% above Connecticut avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average1.54%▲ 1.81% 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%
▲ 1.71% above Connecticut avg
▼
Rate3.20%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average1.54%▲ 1.71% 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 · checked 3 times
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
Certificate of Deposit 3 Month
$500
3.00%
▲ 1.46% above Connecticut avg
▼
Rate2.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average1.54%▲ 1.46% above avgNationally 2.13%
Details
$500 Minimum unless otherwise noted; Early Withdrawal Penalties May Apply; Effective Date: 10/30/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 4 times
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3-Month Business CD
$500
3.00%
▲ 1.46% above Connecticut avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Connecticut Average1.54%▲ 1.46% 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 Oct 21, 2026 · 3.00% APY · checked 2 times
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3-Month CD
$500
3.00%
▲ 1.46% above Connecticut avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Connecticut Average1.54%▲ 1.46% 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 Oct 21, 2026 · 3.00% APY · checked 2 times
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
3-Month CD - Premium
$0
3.00%
▲ 1.46% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Connecticut Average1.54%▲ 1.46% above avgNationally 2.13%
Details
Premium APY
Rate History
No change since Oct 27, 2026 · 3.00% APY
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
Share Certificate - 3 Months
$0
3.00%
▲ 1.46% above Connecticut avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average1.54%▲ 1.46% above avgNationally 2.13%
Details
Dividend Rate 2.96%; APY 3.00%
Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 4 times
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
Standard Share Certificate - 3 Month
$0
3.00%
▲ 1.46% above Connecticut avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average1.54%▲ 1.46% above avgNationally 2.13%
Details
All rates effective 10/1/2026
Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 3 times
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3 Month CD
$1,000
2.85%
▲ 1.31% above Connecticut avg
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average1.54%▲ 1.31% 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%
▲ 1.31% above Connecticut avg
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average1.54%▲ 1.31% above avgNationally 2.13%
Details
Rate History
No change since Oct 20, 2026 · 2.85% APY · checked 4 times
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
3 Month Certificate
$500
2.84%
▲ 1.30% above Connecticut avg
▼
Rate2.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average1.54%▲ 1.30% 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
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
3 Month Share Certificate
$0
2.75%
▲ 1.21% above Connecticut avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average1.54%▲ 1.21% above avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 2.75% APY · checked 3 times
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
IRA Share Certificate - 3 Month
$0
2.75%
▲ 1.21% above Connecticut avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average1.54%▲ 1.21% above avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 2.75% APY · checked 3 times
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
3-Month CD
$0
2.75%
▲ 1.21% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Connecticut Average1.54%▲ 1.21% above avgNationally 2.13%
Details
Regular APY
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 4 times
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
Certificate and IRA Certificate - 3 Months
$2,500
2.02%
▲ 0.48% above Connecticut avg
▼
Rate2.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average1.54%▲ 0.48% 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
No change since Oct 23, 2026 · 2.02% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month TD Choice CD
$250
2.00%
▲ 0.46% above Connecticut avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average1.54%▲ 0.46% 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 4 times
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3 Month Certificate of Deposit
$500
2.00%
▲ 0.46% above Connecticut avg
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average1.54%▲ 0.46% above avgNationally 2.13%
Details
Regular and IRA certificates; early withdrawal penalties apply
Rate History
No change since Oct 21, 2026 · 2.00% APY · checked 3 times
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Certificate of Deposit - 3 month
$0
2.00%
▲ 0.46% above Connecticut avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average1.54%▲ 0.46% above avgNationally 2.13%
Details
Certificates of Deposit (Regular and IRAs)
Rate History
No change since Oct 21, 2026 · 2.00% APY · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month TD Choice CD
$250
1.99%
▲ 0.45% above Connecticut avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average1.54%▲ 0.45% 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 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.55%
▲ 0.01% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average1.54%▲ 0.01% above avgNationally 2.13%
Details
Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 1.55% APY · checked 3 times
Hometown Bank Oxford, MA
Institution Rating:
B4.5 ★Texas Ratio: 21.49%
Certificate of Deposit 3 Months
$1,000
1.55%
▲ 0.01% above Connecticut avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Connecticut Average1.54%▲ 0.01% above avgNationally 2.13%
Details
Minimum opening deposit $1,000
Rate History
No change since Oct 21, 2026 · 1.55% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.50%
▼ 0.04% below Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average1.54%▼ 0.04% below avgNationally 2.13%
Details
Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 3 times
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
3 Month Certificate
$0
1.00%
▼ 0.54% below Connecticut avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average1.54%▼ 0.54% 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 3 times
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
3 Month Certificate
$0
1.00%
▼ 0.54% below Connecticut avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average1.54%▼ 0.54% below avgNationally 2.13%
Details
Certificate
Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 13 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%
▼ 0.54% below Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average1.54%▼ 0.54% below avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
3 Month Share & IRA Certificates
$500
0.90%
▼ 0.64% below Connecticut avg
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average1.54%▼ 0.64% below avgNationally 2.13%
Details
Effective Date: October 19, 2026
Rate History
No change since Oct 20, 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%
▼ 0.64% below Connecticut avg
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average1.54%▼ 0.64% below avgNationally 2.13%
Details
Rate History
No change since Oct 20, 2026 · 0.90% APY · checked 3 times
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
IRA Certificates - 3 Month Certificate
$500
0.75%
▼ 0.79% below Connecticut avg
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average1.54%▼ 0.79% below avgNationally 2.13%
Details
Compounded: Monthly
Rate History
No change since Oct 15, 2026 · 0.75% APY · checked 3 times
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Share Certificate - 3 Month Certificate
$500
0.75%
▼ 0.79% below Connecticut avg
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average1.54%▼ 0.79% below avgNationally 2.13%
Details
Compounded Monthly; Minimum balance to earn APY $500; Minimum deposit to open $500
Rate History
No change since Oct 23, 2026 · 0.75% APY · checked 2 times
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Share Certificate - 3 Months
$0
0.50%
▼ 1.04% below Connecticut avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average1.54%▼ 1.04% below avgNationally 2.13%
Details
Minimum balance $1,000 to earn dividends
Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 3 times
GHA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
90 Day Certificate
$1,000
0.25%
▼ 1.29% below Connecticut avg
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average1.54%▼ 1.29% below avgNationally 2.13%
Details
Early withdrawal penalty: 90 days of dividends (terms under 12 months)
Rate History
No change since Oct 23, 2026 · 0.25% APY · checked 2 times
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Certificate - 3-Month
$0
0.15%
▼ 1.39% below Connecticut avg
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average1.54%▼ 1.39% 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 Oct 26, 2026 · 0.15% APY · checked 2 times
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
IRA Certificate 3-Month
$500
0.15%
▼ 1.39% below Connecticut avg
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average1.54%▼ 1.39% below avgNationally 2.13%
Details
Applies 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 6 times
Newtown Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
3 Month CD
$500
0.15%
▼ 1.39% below Connecticut avg
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average1.54%▼ 1.39% below avgNationally 2.13%
Details
Early Withdrawal Penalty: 30 Days Interest
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 10 times
Windsor Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
Business CD - 3 Months
$1,000
0.10%
▼ 1.44% below Connecticut avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Connecticut Average1.54%▼ 1.44% below avgNationally 2.13%
Details
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 8 times
Windsor Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
Consumer Certificate of Deposit - 3 Months
$1,000
0.10%
▼ 1.44% below Connecticut avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Connecticut Average1.54%▼ 1.44% below avgNationally 2.13%
Details
Minimum to Open & Earn APY: $1,000
Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 3 times
Windsor Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
IRA CD - 3 Months
$1,000
0.10%
▼ 1.44% below Connecticut avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Connecticut Average1.54%▼ 1.44% below avgNationally 2.13%
Details
Minimum to Open & Earn APY: $1,000
Rate History
No change since Oct 22, 2026 · 0.10% APY · checked 2 times
The First Bank of Greenwich
Institution Rating:
A5.0 ★Texas Ratio: 12.44%
3 Month Business CD
$0
0.10%
▼ 1.44% below Connecticut avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Connecticut Average1.54%▼ 1.44% below avgNationally 2.13%
Details
Balance Requirement: $1,000.00 and up; Rates effective 10/01/2026
Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 3 times
The First Bank of Greenwich
Institution Rating:
A5.0 ★Texas Ratio: 12.44%
Personal CD - 3 Month
$0
0.10%
▼ 1.44% below Connecticut avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Connecticut Average1.54%▼ 1.44% below avgNationally 2.13%
Details
Balance: $1,000.00 and Up
Rate History
No change since Oct 22, 2026 · 0.10% APY · checked 2 times
Uncasville 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Charter Oak Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
601 Norwich New London Tpke, Uncasville, CT 06382
Short-Term Share Certificate - 6 Month
$0
0.30%
▼ 2.19% below Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.49%▼ 2.19% below avgNationally 2.79%
Details
Rate History
No change since Oct 8, 2026 · 0.30% APY · checked 3 times
Atlantic Community Bankers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
CD 6 Month
$0
4.45%
▲ 1.96% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.49%▲ 1.96% above avgNationally 2.79%
Details
A minimum balance of $100,000 is required for ACBB CDs; rates subject to change based on market conditions and availability
Rate History
2 changes since Oct 22, 2026 · 4.46% → 4.45% ▼ 0.01 pts · high 4.46% / low 4.44%
- Oct 30, 20264.45%▲ from 4.44%
- Oct 26, 20264.44%▼ from 4.46%
- Oct 22, 20264.46%first recorded
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
Prime Certificates of Deposit - 6 month
$500
4.30%
▲ 1.81% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Connecticut Average2.49%▲ 1.81% above avgNationally 2.79%
Details
Minimum deposit of $500 to open and earn the APY; APY as of September 15, 2026
Rate History
No change since Oct 22, 2026 · 4.30% APY · checked 2 times
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
6-Month Business CD
$5,000
4.25%
▲ 1.76% above Connecticut avg
▼
Rate4.17%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Connecticut Average2.49%▲ 1.76% above avgNationally 2.79%
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
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
6 Month Share Certificate Special
$0
4.25%
▲ 1.76% above Connecticut avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.49%▲ 1.76% above avgNationally 2.79%
Details
Rates as of 10/01/2026; Certificate compounding monthly; $500 minimum to earn APY; penalty for early withdrawal
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 4 times
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
6 Month CD
$0
4.25%
▲ 1.76% above Connecticut avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.49%▲ 1.76% above avgNationally 2.79%
Details
Early Withdrawal Penalty: 3 months' interest
Rate History
2 changes since Sep 24, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
- Oct 30, 20264.25%▲ from 4.20%
- Oct 1, 20264.20%▲ from 3.95%
- Sep 24, 20263.95%first recorded
Bankwell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
6 Month CD
$1,000
4.20%
▲ 1.71% above Connecticut avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.49%▲ 1.71% above avgNationally 2.79%
Details
Certificates of Deposit; Rates Effective: October 29, 2026; APY effective 10/29/2026; Rate guaranteed for the full term; Penalty for early withdrawal
Rate History
1 change since Sep 27, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
- Oct 31, 20264.20%▲ from 3.70%
- Sep 27, 20263.70%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month Business CD
$2,500
4.10%
▲ 1.61% above Connecticut avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.49%▲ 1.61% above avgNationally 2.79%
Details
Annual Percentage Yield; Maximum deposit $10 million; Not available for public units; Limited-time offer; Fees could reduce earnings; Early withdrawal penalties apply
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 5 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month CD
$2,500
4.10%
▲ 1.61% above Connecticut avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.49%▲ 1.61% above avgNationally 2.79%
Details
Short-term growth CD; $2,500 minimum opening deposit; maximum deposit $10 million; not available for public units or Business CDs
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 CD - 6 Months
$500
4.08%
▲ 1.59% above Connecticut avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.49%▲ 1.59% above avgNationally 2.79%
Details
APY (1)* = Annual Percentage Yield; compounds monthly
Rate History
No change since Oct 26, 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%
▲ 1.58% above Connecticut avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.49%▲ 1.58% above avgNationally 2.79%
Details
Outside Funds; early withdrawal penalty of six months (180 days) dividends
Rate History
No change since Oct 23, 2026 · 4.07% APY · checked 2 times
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
6 Month IRA Share Certificate
$1,000
4.05%
▲ 1.56% above Connecticut avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.49%▲ 1.56% above avgNationally 2.79%
Details
Effective Date: Thursday, October 29th, 2026; Dividend Rate and APY fixed for the term; early withdrawal penalty is half the term of interest
Rate History
No change since Oct 22, 2026 · 4.05% APY · checked 2 times
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
Term Share Certificate - 6 Months
$0
4.02%
▲ 1.53% above Connecticut avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.49%▲ 1.53% above avgNationally 2.79%
Details
Effective date: 10/01/2026; Minimum balance $1,000 required to earn stated APY
Rate History
No change since Oct 23, 2026 · 4.02% APY · checked 2 times
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
6-Month CD
$500
4.00%
▲ 1.51% above Connecticut avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Connecticut Average2.49%▲ 1.51% above avgNationally 2.79%
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 Oct 21, 2026 · 4.00% APY · checked 2 times
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
6 Month Certificate
$0
4.00%
▲ 1.51% above Connecticut avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.49%▲ 1.51% above avgNationally 2.79%
Details
Certificate
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%
▲ 1.51% above Connecticut avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.49%▲ 1.51% above avgNationally 2.79%
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
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
Share Certificate - 6 months
$1,000
4.00%
▲ 1.51% above Connecticut avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.49%▲ 1.51% above avgNationally 2.79%
Details
Effective Date: Thursday, October 29th, 2026
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
Share Certificate - 6 Months
$0
4.00%
▲ 1.51% above Connecticut avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.49%▲ 1.51% above avgNationally 2.79%
Details
Dividend Rate 3.93%; APY 4.00%
Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 4 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Certificate - 6 Month
$0
3.95%
▲ 1.46% above Connecticut avg
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.49%▲ 1.46% above avgNationally 2.79%
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 3 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
IRA Certificates 6 Months
$0
3.95%
▲ 1.46% above Connecticut avg
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.49%▲ 1.46% above avgNationally 2.79%
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 3 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%
▲ 1.33% above Connecticut avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.49%▲ 1.33% above avgNationally 2.79%
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 3 times
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
HSA CD - 6-Month HSA CD
$500
3.80%
▲ 1.31% above Connecticut avg
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Connecticut Average2.49%▲ 1.31% above avgNationally 2.79%
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 · checked 2 times
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Certificate - 6-Month
$0
3.75%
▲ 1.26% above Connecticut avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.49%▲ 1.26% above avgNationally 2.79%
Details
Minimum balance to open and earn APY is $500; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 26, 2026 · 3.75% APY · checked 2 times
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
IRA Certificate 6-Month
$500
3.75%
▲ 1.26% above Connecticut avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.49%▲ 1.26% above avgNationally 2.79%
Details
Applies 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 6 times
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
6 Month Business Certificate of Deposit - Fixed Rate
$1,000
3.75%
▲ 1.26% above Connecticut avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.49%▲ 1.26% above avgNationally 2.79%
Details
Balance: $1,000 - $249,999.99 daily balance to earn APY; available for IRA
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 5 times
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
6 Month Certificate of Deposit - Fixed Rate
$1,000
3.75%
▲ 1.26% above Connecticut avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.49%▲ 1.26% above avgNationally 2.79%
Details
Balance: $1,000 - $249,999.99 Daily balance to earn APY
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 5 times
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
IRA Certificates - 6 Month Certificate
$500
3.75%
▲ 1.26% above Connecticut avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.49%▲ 1.26% above avgNationally 2.79%
Details
Compounded: Monthly
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Share Certificate - 6 Month Certificate
$500
3.75%
▲ 1.26% above Connecticut avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.49%▲ 1.26% above avgNationally 2.79%
Details
Compounded Monthly; Minimum balance to earn APY $500; Minimum deposit to open $500
Rate History
No change since Oct 23, 2026 · 3.75% APY · checked 2 times
FD Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
6 Month CD Only
$500
3.75%
▲ 1.26% above Connecticut avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.49%▲ 1.26% above avgNationally 2.79%
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%
▲ 1.26% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.49%▲ 1.26% above avgNationally 2.79%
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
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
6 Month Certificate
$500
3.75%
▲ 1.26% above Connecticut avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.49%▲ 1.26% above avgNationally 2.79%
Details
Compounded: Daily
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Lawrence Memorial Hospital Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Share Certificate
$500
3.75%
▲ 1.26% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.49%▲ 1.26% above avgNationally 2.79%
Details
Minimum balance to open the account $500.00
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Lawrence Memorial Hospital Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share Certificate - 6 month
$0
3.75%
▲ 1.26% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.49%▲ 1.26% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Term Share Certificate - 6 Months
$500
3.56%
▲ 1.07% above Connecticut avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.49%▲ 1.07% above avgNationally 2.79%
Details
Existing Funds; early withdrawal penalty of six months (180 days) dividends
Rate History
No change since Oct 23, 2026 · 3.56% APY · checked 2 times
Achieve Financial Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.09%
Share Certificate - 6 Months
$1,000
3.56%
▲ 1.07% above Connecticut avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.49%▲ 1.07% above avgNationally 2.79%
Details
$1,000 minimum opening deposit for standard Certificates
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 7 times
Membersfirst CT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Share Certificate 6 Months
$1,000
3.56%
▲ 1.07% above Connecticut avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.49%▲ 1.07% above avgNationally 2.79%
Details
Rate History
No change since Oct 19, 2026 · 3.56% APY · checked 3 times
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
6-Month Relationship CD
$500
3.55%
▲ 1.06% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.49%▲ 1.06% above avgNationally 2.79%
Details
Special offer for Washington Trust Freedom Ultra or Freedom Plus checking account customers; open in branch or over the phone; Washington Trust Freedom Plus or Freedom Ultra checking required; withdrawals before maturity reduce APY; effective as of 4/1/2026
Rate History
No change since Sep 27, 2026 · 3.55% APY · checked 8 times
Norwalk Hospital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
6 Month Certificate
$1,000
3.55%
▲ 1.06% above Connecticut avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.49%▲ 1.06% above avgNationally 2.79%
Details
Dividends posted quarterly and paid at maturity; premature withdrawal results in dividend penalty; may be loss of some accrued interest for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
6 Month Featured Share Certificate
$0
3.50%
▲ 1.01% above Connecticut avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.49%▲ 1.01% above avgNationally 2.79%
Details
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
6 Month Share Certificate
$0
3.50%
▲ 1.01% above Connecticut avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.49%▲ 1.01% above avgNationally 2.79%
Details
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
IRA Share Certificate - 6 Month
$0
3.50%
▲ 1.01% above Connecticut avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.49%▲ 1.01% above avgNationally 2.79%
Details
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
Star Relationship CD 6 Month
$500
3.50%
▲ 1.01% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.49%▲ 1.01% above avgNationally 2.79%
Details
$500 Minimum unless otherwise noted; Early Withdrawal Penalties May Apply; Effective Date: 10/30/2026
Rate History
No change since Sep 8, 2026 · 3.50% APY · checked 6 times
Ascend Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
6 MONTH BUSINESS CD SPECIAL
$5,000
3.45%
▲ 0.96% above Connecticut avg
▼
Rate3.40%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.49%▲ 0.96% above avgNationally 2.79%
Details
Balance to earn APY: $5,000.00; OPEN NOW (6 MO BUS CD SPECIAL)
Rate History
No change since Oct 22, 2026 · 3.45% APY · checked 3 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
6 Month 360 CD
$0
3.30%
▲ 0.81% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.49%▲ 0.81% above avgNationally 2.79%
Details
Rate History
No change since Oct 20, 2026 · 3.30% APY · checked 3 times
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
Certificate of Deposit - 6 Months
$500
3.30%
▲ 0.81% above Connecticut avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.49%▲ 0.81% above avgNationally 2.79%
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 · 3.30% APY · checked 4 times
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6-Month Certificate of Deposit (CD)
$1,000
3.30%
▲ 0.81% above Connecticut avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.49%▲ 0.81% above avgNationally 2.79%
Details
3.30% APY***; Ideal usage: Bridge to a larger financial goal (e.g., car or a home down payment); ATM Access: No; Check Writing: No
Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 9 times
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Beacon One 6 Month CD
$1,000
3.30%
▲ 0.81% above Connecticut avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.49%▲ 0.81% above avgNationally 2.79%
Details
Balance cannot exceed $1,000,000; must be an owner on a Beacon Bank checking account; no additional deposits before maturity; early withdrawal penalty applies
Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 9 times
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
6-Month Share Certificate
$0
3.30%
▲ 0.81% above Connecticut avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.49%▲ 0.81% above avgNationally 2.79%
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 · 3.30% APY · checked 3 times
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
6-Month Share Certificate
$0
3.25%
▲ 0.76% above Connecticut avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.49%▲ 0.76% above avgNationally 2.79%
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 · 3.25% APY · checked 3 times
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
Certificate of Deposit 6 Month
$500
3.00%
▲ 0.51% above Connecticut avg
▼
Rate2.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.49%▲ 0.51% above avgNationally 2.79%
Details
$500 Minimum unless otherwise noted; Early Withdrawal Penalties May Apply; Effective Date: 10/30/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 4 times
Uncasville 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
221 Norwich New London Tpke, Uncasville, CT 06382
1 Year Online CD
$0
3.25%
▲ 0.45% above Connecticut avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.80%▲ 0.45% above avgNationally 3.01%
Details
Interest rate 3.20%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 11 times
Charter Oak Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
601 Norwich New London Tpke, Uncasville, CT 06382
Short-Term Share Certificate - 12 Month
$0
0.40%
▼ 2.40% below Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.80%▼ 2.40% below avgNationally 3.01%
Details
Rate History
No change since Oct 8, 2026 · 0.40% APY · checked 3 times
Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
563 Norwich New London Tpke, Uncasville, CT 06382
Certificate of Deposit Account - 1 Year
$500
0.05%
▼ 2.75% below Connecticut avg
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.80%▼ 2.75% below avgNationally 3.01%
Details
Minimum balance $0.01 to earn interest; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 4 times
Atlantic Community Bankers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
CD 1 Year
$0
4.66%
▲ 1.86% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.80%▲ 1.86% above avgNationally 3.01%
Details
A minimum balance of $100,000 is required for ACBB CDs; rates subject to change based on market conditions and availability
Rate History
2 changes since Oct 22, 2026 · 4.67% → 4.66% ▼ 0.01 pts · high 4.67% / low 4.65%
- Oct 30, 20264.66%▲ from 4.65%
- Oct 26, 20264.65%▼ from 4.67%
- Oct 22, 20264.67%first recorded
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
CD - 12 Month Special
$1,000
4.50%
▲ 1.70% above Connecticut avg
▼
Rate4.42%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Connecticut Average2.80%▲ 1.70% above avgNationally 3.01%
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 · checked 2 times
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
12 Month CD
$0
4.40%
▲ 1.60% above Connecticut avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.80%▲ 1.60% above avgNationally 3.01%
Details
Early Withdrawal Penalty: 3 months' interest
Rate History
2 changes since Sep 24, 2026 · 3.85% → 4.40% ▲ 0.55 pts · high 4.40% / low 3.85%
- Oct 30, 20264.40%▲ from 4.10%
- Oct 1, 20264.10%▲ from 3.85%
- Sep 24, 20263.85%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.55% above Connecticut avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.80%▲ 1.55% above avgNationally 3.01%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 8 times
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
Prime Certificates of Deposit - 12 month
$500
4.35%
▲ 1.55% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Connecticut Average2.80%▲ 1.55% above avgNationally 3.01%
Details
Minimum deposit of $500 to open and earn the APY; APY as of September 15, 2026
Rate History
No change since Oct 22, 2026 · 4.35% APY · checked 2 times
Bankwell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
12 Month CD
$1,000
4.30%
▲ 1.50% above Connecticut avg
▼
Rate4.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.80%▲ 1.50% above avgNationally 3.01%
Details
Certificates of Deposit; Rates Effective: October 29, 2026; APY effective 10/29/2026; Rate guaranteed for the full term; Penalty for early withdrawal
Rate History
1 change since Sep 27, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 31, 20264.30%▲ from 3.80%
- Sep 27, 20263.80%first recorded
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Jumbo IRA Certificate (12 Months)
$0
4.30%
▲ 1.50% above Connecticut avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.80%▲ 1.50% above avgNationally 3.01%
Details
IRA Certificate; footnote states $500 minimum balance for an IRA Certificate
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 26, 20264.30%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month Business CD
$500
4.30%
▲ 1.50% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.80%▲ 1.50% above avgNationally 3.01%
Details
Annual Percentage Yield; Maximum deposit $10 million; Not available for public units; Limited-time offer; Fees could reduce earnings; Early withdrawal penalties apply
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 5 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month CD
$500
4.30%
▲ 1.50% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.80%▲ 1.50% above avgNationally 3.01%
Details
Top rate CD; $500 minimum opening deposit; maximum deposit $10 million; not available for public units or Business CDs
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
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
1 Year Fixed Rate CD
$0
4.25%
▲ 1.45% above Connecticut avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.80%▲ 1.45% above avgNationally 3.01%
Details
Featured Rate; Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 2 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
Fixed Rate CD - 1-Year
$0
4.25%
▲ 1.45% above Connecticut avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.80%▲ 1.45% above avgNationally 3.01%
Details
Featured Rate; Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 2 times
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
HSA CD - 1-Year HSA CD
$500
4.25%
▲ 1.45% above Connecticut avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Connecticut Average2.80%▲ 1.45% above avgNationally 3.01%
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 · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month TD Choice CD
$250
4.15%
▲ 1.35% above Connecticut avg
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.80%▲ 1.35% above avgNationally 3.01%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month TD Choice CD
$250
4.14%
▲ 1.34% above Connecticut avg
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.80%▲ 1.34% above avgNationally 3.01%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.14% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.10%
▲ 1.30% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.80%▲ 1.30% above avgNationally 3.01%
Details
Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 3 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
1-Year Share Certificate
$1,000
4.10%
▲ 1.30% above Connecticut avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.80%▲ 1.30% above avgNationally 3.01%
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
New Haven County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
1 Year Share Certificate
$500
4.08%
▲ 1.28% above Connecticut avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.80%▲ 1.28% above avgNationally 3.01%
Details
Minimum deposit to open Certificates is $500.00; early withdrawal penalties apply
Rate History
No change since Oct 13, 2026 · 4.08% APY · checked 4 times
New Haven County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
Share Certificate - 1 Year
$0
4.08%
▲ 1.28% above Connecticut avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.80%▲ 1.28% above avgNationally 3.01%
Details
Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 7 times
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Share & IRA CD - 12 Months
$500
4.08%
▲ 1.28% above Connecticut avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.80%▲ 1.28% above avgNationally 3.01%
Details
APY (1)* = Annual Percentage Yield; compounds monthly
Rate History
No change since Oct 26, 2026 · 4.08% APY · checked 2 times
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
Term Share Certificate - 1 Year
$0
4.07%
▲ 1.27% above Connecticut avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.80%▲ 1.27% above avgNationally 3.01%
Details
Effective date: 10/01/2026; Minimum balance $1,000 required to earn stated APY
Rate History
No change since Oct 23, 2026 · 4.07% APY · checked 2 times
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
12 Month Share Certificate - Regular/IRA
$0
4.07%
▲ 1.27% above Connecticut avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.80%▲ 1.27% above avgNationally 3.01%
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 3 times
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
Share Certificate - 12 Months
$0
4.07%
▲ 1.27% above Connecticut avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.80%▲ 1.27% above avgNationally 3.01%
Details
Dividend Rate 4.00%; APY 4.07%
Rate History
No change since Oct 19, 2026 · 4.07% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.05%
▲ 1.25% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.80%▲ 1.25% above avgNationally 3.01%
Details
Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 3 times
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
12 Month IRA Share Certificate
$1,000
4.05%
▲ 1.25% above Connecticut avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.80%▲ 1.25% above avgNationally 3.01%
Details
Effective Date: Thursday, October 29th, 2026; Dividend Rate and APY fixed for the term; early withdrawal penalty is half the term of interest
Rate History
No change since Oct 22, 2026 · 4.05% APY · checked 2 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1-year online CDs
$0
4.00%
▲ 1.20% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.80%▲ 1.20% above avgNationally 3.01%
Details
CD rates fixed upon opening; no minimum deposit required
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 9 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
12 Month 360 CD
$0
4.00%
▲ 1.20% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.80%▲ 1.20% above avgNationally 3.01%
Details
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month EasyStart Certificate
$50
4.00%
▲ 1.20% above Connecticut avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.80%▲ 1.20% above avgNationally 3.01%
Details
Share, IRA, ESA; Rates as of Oct 30, 2026 ET; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
12 Month Share Certificate
$0
4.00%
▲ 1.20% above Connecticut avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.80%▲ 1.20% above avgNationally 3.01%
Details
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
IRA Share Certificate - 12 Month
$0
4.00%
▲ 1.20% above Connecticut avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.80%▲ 1.20% above avgNationally 3.01%
Details
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
12 Month Business Certificate of Deposit - Fixed Rate
$1,000
4.00%
▲ 1.20% above Connecticut avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.80%▲ 1.20% above avgNationally 3.01%
Details
Balance: $1,000 - $249,999.99 daily balance to earn APY; available for IRA
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 5 times
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
12 Month Certificate of Deposit - Fixed Rate
$1,000
4.00%
▲ 1.20% above Connecticut avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.80%▲ 1.20% above avgNationally 3.01%
Details
Balance: $1,000 - $249,999.99 Daily balance to earn APY
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 5 times
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
IRA - 12 Months
$1,000
4.00%
▲ 1.20% above Connecticut avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Connecticut Average2.80%▲ 1.20% above avgNationally 3.01%
Details
Quarterly Post or Interest Checks; interest checks reduce APY
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
IRA Certificates - 12 Month Certificate
$500
4.00%
▲ 1.20% above Connecticut avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.80%▲ 1.20% above avgNationally 3.01%
Details
Compounded: Monthly
Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 3 times
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Share Certificate - 12 Month Certificate
$500
4.00%
▲ 1.20% above Connecticut avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.80%▲ 1.20% above avgNationally 3.01%
Details
Compounded Monthly; Minimum balance to earn APY $500; Minimum deposit to open $500
Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Certificate - 1 Year
$0
4.00%
▲ 1.20% above Connecticut avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.80%▲ 1.20% above avgNationally 3.01%
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 3 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
IRA Certificates 12 months
$0
4.00%
▲ 1.20% above Connecticut avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.80%▲ 1.20% above avgNationally 3.01%
Details
IRA Certificate; NCUA-insured; Rates effective as of 10/23/2026
Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 3 times
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
12 Month IRA & Roth IRA Certificates
$0
4.00%
▲ 1.20% above Connecticut avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.80%▲ 1.20% above avgNationally 3.01%
Details
Rates as of 5/1/2026; Certificate compounding monthly; $500 minimum to earn APY; penalty for early withdrawal
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 4 times
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
12 Month Share Certificates
$0
4.00%
▲ 1.20% above Connecticut avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.80%▲ 1.20% above avgNationally 3.01%
Details
Rates as of 10/01/2026; Certificate compounding monthly; $500 minimum to earn APY; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 3 times
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
Share Certificate - 12 months
$1,000
4.00%
▲ 1.20% above Connecticut avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.80%▲ 1.20% above avgNationally 3.01%
Details
Effective Date: Thursday, October 29th, 2026
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 12 Months
$0
3.98%
▲ 1.18% above Connecticut avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.80%▲ 1.18% above avgNationally 3.01%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 3.98% APY · checked 3 times
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 12 Months
$0
3.98%
▲ 1.18% above Connecticut avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.80%▲ 1.18% above avgNationally 3.01%
Details
Fixed rate; Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 3.98% APY · checked 3 times
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
12 Month Certificate
$0
3.81%
▲ 1.01% above Connecticut avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.80%▲ 1.01% above avgNationally 3.01%
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
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
12 Month Share & IRA Certificates - Jumbo
$100,000
3.75%
▲ 0.95% above Connecticut avg
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.80%▲ 0.95% above avgNationally 3.01%
Details
Jumbo; Effective Date: October 19, 2026
Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 3 times
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Business Share Certificate - 12 Months Jumbo
$100,000
3.75%
▲ 0.95% above Connecticut avg
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.80%▲ 0.95% above avgNationally 3.01%
Details
Jumbo
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 4 times
Manchester Municipal Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
12 Month Certificate Accounts
$0
3.75%
▲ 0.95% above Connecticut avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.80%▲ 0.95% above avgNationally 3.01%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Investment Share and IRA Certificates - 12 Months
$0
3.75%
▲ 0.95% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.80%▲ 0.95% above avgNationally 3.01%
Details
Rate History
1 change since Sep 14, 2026 · 2.75% → 3.75% ▲ 1.00 pts · high 3.75% / low 2.75%
- Oct 5, 20263.75%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Freestyle Certificate (12 Months)
$0
3.75%
▲ 0.95% above Connecticut avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.80%▲ 0.95% above avgNationally 3.01%
Details
Minimum balance $1,000 to earn dividends
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
Uncasville 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Charter Oak Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
601 Norwich New London Tpke, Uncasville, CT 06382
Long-Term Share Certificate - 18 Month
$0
0.50%
▼ 2.15% below Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.65%▼ 2.15% below avgNationally 2.91%
Details
Rate History
No change since Oct 8, 2026 · 0.50% APY · checked 3 times
Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
563 Norwich New London Tpke, Uncasville, CT 06382
Certificate of Deposit Account - 18 Month
$500
0.10%
▼ 2.55% below Connecticut avg
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▼ 2.55% below avgNationally 2.91%
Details
At maturity renews into a 2 Year CD; minimum balance $0.01 to earn interest
Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 4 times
Usalliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
18 Month Certificate
$0
5.05%
▲ 2.40% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.65%▲ 2.40% above avgNationally 2.91%
Details
Special Rate
Rate History
No change since Oct 30, 2026 · 5.05% APY
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
Prime Certificates of Deposit - 18 month
$500
4.40%
▲ 1.75% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Connecticut Average2.65%▲ 1.75% above avgNationally 2.91%
Details
Minimum deposit of $500 to open and earn the APY; APY as of September 15, 2026
Rate History
No change since Oct 22, 2026 · 4.40% APY · checked 2 times
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 Month CD
$0
4.40%
▲ 1.75% above Connecticut avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.65%▲ 1.75% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 6 months' interest
Rate History
2 changes since Sep 24, 2026 · 3.75% → 4.40% ▲ 0.65 pts · high 4.40% / low 3.75%
- Oct 30, 20264.40%▲ from 4.00%
- Oct 1, 20264.00%▲ from 3.75%
- Sep 24, 20263.75%first recorded
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18-Month Promotional Share Certificate
$500
4.27%
▲ 1.62% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.65%▲ 1.62% above avgNationally 2.91%
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 · checked 3 times
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18-Month Share Certificate
$0
4.27%
▲ 1.62% above Connecticut avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.65%▲ 1.62% above avgNationally 2.91%
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 · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month TD Choice CD
$250
4.25%
▲ 1.60% above Connecticut avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 1.60% above avgNationally 2.91%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 4 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-Month CD
$500
4.25%
▲ 1.60% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.65%▲ 1.60% above avgNationally 2.91%
Details
Balanced growth CD; $500 minimum opening deposit; maximum deposit $10 million; not available for public units or Business CDs
Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 6 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month TD Choice CD
$250
4.24%
▲ 1.59% above Connecticut avg
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 1.59% above avgNationally 2.91%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.24% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15%
▲ 1.50% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 1.50% above avgNationally 2.91%
Details
Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 3 times
Northwest Community Bank
Institution Rating:
A4.9 ★Texas Ratio: 7.16%
18 Month Time Deposit & IRA
$500
4.15%
▲ 1.50% above Connecticut avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 1.50% above avgNationally 2.91%
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%
▲ 1.50% above Connecticut avg
▼
Rate4.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 1.50% above avgNationally 2.91%
Details
Balance: $1,000 - $249,999.99 daily balance to earn APY; available for IRA
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 5 times
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
18 Month Certificate of Deposit - Fixed Rate
$1,000
4.15%
▲ 1.50% above Connecticut avg
▼
Rate4.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 1.50% above avgNationally 2.91%
Details
Balance: $1,000 - $249,999.99 Daily balance to earn APY
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10%
▲ 1.45% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 1.45% above avgNationally 2.91%
Details
Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 3 times
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
18 Month Share Certificate - Regular/IRA
$0
4.07%
▲ 1.42% above Connecticut avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.65%▲ 1.42% above avgNationally 2.91%
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 3 times
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
18-Month CD
$500
4.00%
▲ 1.35% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 1.35% above avgNationally 2.91%
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 8 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Private 18 Month CD
$0
4.00%
▲ 1.35% above Connecticut avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 1.35% above avgNationally 2.91%
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
Jewett City Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
Bump-Up CD - 18 Months
$1,000
4.00%
▲ 1.35% above Connecticut avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Connecticut Average2.65%▲ 1.35% above avgNationally 2.91%
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 5 times
ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
Certificate of Deposit - 18 Month
$500
4.00%
▲ 1.35% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Connecticut Average2.65%▲ 1.35% above avgNationally 2.91%
Details
Until Maturity; Fixed rate until maturity
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 18 Months
$0
3.98%
▲ 1.33% above Connecticut avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.65%▲ 1.33% above avgNationally 2.91%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 3.98% APY · checked 3 times
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 18 Months
$0
3.98%
▲ 1.33% above Connecticut avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.65%▲ 1.33% above avgNationally 2.91%
Details
Fixed rate; Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 3.98% APY · checked 3 times
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
18 Month Select Certificate of Deposit
$1,000
3.85%
▲ 1.20% above Connecticut avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 1.20% above avgNationally 2.91%
Details
Featured CD rate; Requires a qualifying M&T Bank checking account; Rates may vary by ZIP code
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 7 times
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
18-Month M&T Select CD
$1,000
3.85%
▲ 1.20% above Connecticut avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 1.20% above avgNationally 2.91%
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 11 times
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
18 Month Share Certificate
$0
3.75%
▲ 1.10% above Connecticut avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 1.10% above avgNationally 2.91%
Details
Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 3 times
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
IRA Share Certificate - 18 Month
$0
3.75%
▲ 1.10% above Connecticut avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 1.10% above avgNationally 2.91%
Details
Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 3 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
18-Month CD
$500
3.75%
▲ 1.10% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 1.10% above avgNationally 2.91%
Details
Limited Time CD Offers; Open with as little as $500; Enjoy the security of a locked in rate; Earn guaranteed returns; Promotional APY subject to terms
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%
Personal CD - 18 Month
$0
3.75%
▲ 1.10% above Connecticut avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 1.10% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 4 times
Newtown Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
18 Month CD
$500
3.75%
▲ 1.10% above Connecticut avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.65%▲ 1.10% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 180 Days Interest
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 10 times
Hartford Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share Certificate Special - 18 Month
$5,000
3.75%
▲ 1.10% above Connecticut avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.65%▲ 1.10% above avgNationally 2.91%
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 3 times
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
Share Certificate - 18 Months
$0
3.75%
▲ 1.10% above Connecticut avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.65%▲ 1.10% above avgNationally 2.91%
Details
Dividend Rate 3.69%; APY 3.75%
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month EasyStart Certificate
$50
3.70%
▲ 1.05% above Connecticut avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 1.05% above avgNationally 2.91%
Details
Share, IRA, ESA; Rates as of Oct 30, 2026 ET; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 2 times
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
18 Month Certificate of Deposit - Variable Rate
$25
3.66%
▲ 1.01% above Connecticut avg
▼
Rate3.60%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 1.01% above avgNationally 2.91%
Details
Deposits allowed during the term; $25 minimum to open and earn APY; all terms also available for IRA
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%
▲ 1.01% above Connecticut avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.65%▲ 1.01% above avgNationally 2.91%
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
$0
3.65%
▲ 1.00% above Connecticut avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 1.00% above avgNationally 2.91%
Details
Minimum collected daily balance of $1,000.00 to obtain disclosed APY; No withdrawal of any kind during first six calendar days after initial deposit; after that entire balance may be withdrawn without penalty; no partial withdrawals
Rate History
No change since Oct 26, 2026 · 3.65% APY · checked 2 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
18 Month 360 CD
$0
3.60%
▲ 0.95% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 0.95% above avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 4 times
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
18 Month Share & IRA Certificates
$500
3.60%
▲ 0.95% above Connecticut avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 0.95% above avgNationally 2.91%
Details
Effective Date: October 19, 2026
Rate History
No change since Oct 20, 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%
▲ 0.95% above Connecticut avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 0.95% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 3 times
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Term Share Certificate - 18 Months
$500
3.56%
▲ 0.91% above Connecticut avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.65%▲ 0.91% above avgNationally 2.91%
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 3 times
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
18 Month Certificate
$2,500
3.56%
▲ 0.91% above Connecticut avg
▼
Rate3.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.65%▲ 0.91% above avgNationally 2.91%
Details
Rate History
No change since Oct 19, 2026 · 3.56% APY · checked 3 times
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
18 Month CD
$1,000
3.40%
▲ 0.75% above Connecticut avg
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 0.75% above avgNationally 2.91%
Details
Rate History
No change since Sep 19, 2026 · 3.40% APY · checked 11 times
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
IRA 18 Month CD
$1,000
3.40%
▲ 0.75% above Connecticut avg
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 0.75% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 3.40% APY · checked 4 times
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
18 Month IRA
$500
3.30%
▲ 0.65% above Connecticut avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.65%▲ 0.65% above avgNationally 2.91%
Details
Compounded: Daily
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 9 times
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
18 Month IRA Share Certificate
$1,000
3.30%
▲ 0.65% above Connecticut avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.65%▲ 0.65% above avgNationally 2.91%
Details
Effective Date: Thursday, October 29th, 2026; Dividend Rate and APY fixed for the term; early withdrawal penalty is half the term of interest
Rate History
No change since Oct 22, 2026 · 3.30% APY · checked 2 times
Bankwell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
18 Month CD
$1,000
3.25%
▲ 0.60% above Connecticut avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 0.60% above avgNationally 2.91%
Details
Certificates of Deposit; Rates Effective: October 29, 2026; APY effective 12/18/2025; Rate guaranteed for the full term; Penalty for early withdrawal
Rate History
No change since Sep 27, 2026 · 3.25% APY · checked 10 times
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Certificate - 18-Month
$0
3.25%
▲ 0.60% above Connecticut avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 0.60% above avgNationally 2.91%
Details
Minimum balance to open and earn APY is $500; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 26, 2026 · 3.25% APY · checked 2 times
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
IRA Certificate 18-Month
$500
3.25%
▲ 0.60% above Connecticut avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.65%▲ 0.60% above avgNationally 2.91%
Details
Applies 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 6 times
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
18 Month Certificate
$500
3.25%
▲ 0.60% above Connecticut avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.65%▲ 0.60% above avgNationally 2.91%
Details
Compounded: Daily
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
Share Certificate - 18 months
$1,000
3.25%
▲ 0.60% above Connecticut avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.65%▲ 0.60% above avgNationally 2.91%
Details
Effective Date: Thursday, October 29th, 2026
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 3 times
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
IRA Certificate - 18 Months
$0
3.25%
▲ 0.60% above Connecticut avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.65%▲ 0.60% above avgNationally 2.91%
Details
Bonus: 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Rate History
No change since Oct 23, 2026 · 3.25% APY · checked 2 times
Uncasville 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
221 Norwich New London Tpke, Uncasville, CT 06382
2 Year Online CD
$0
3.00%
▲ 0.53% above Connecticut avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.47%▲ 0.53% above avgNationally 2.91%
Details
Interest rate 2.96%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 11 times
Charter Oak Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
601 Norwich New London Tpke, Uncasville, CT 06382
Long-Term Share Certificate - 24 Month
$0
0.50%
▼ 1.97% below Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.47%▼ 1.97% below avgNationally 2.91%
Details
Rate History
No change since Oct 8, 2026 · 0.50% APY · checked 3 times
Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
563 Norwich New London Tpke, Uncasville, CT 06382
Certificate of Deposit Account - 2 Years
$500
0.10%
▼ 2.37% below Connecticut avg
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.47%▼ 2.37% below avgNationally 2.91%
Details
Minimum balance $0.01 to earn interest; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 4 times
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
Prime Certificates of Deposit - 24 month
$500
4.45%
▲ 1.98% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Connecticut Average2.47%▲ 1.98% above avgNationally 2.91%
Details
Minimum deposit of $500 to open and earn the APY; APY as of September 15, 2026
Rate History
No change since Oct 22, 2026 · 4.45% APY · checked 2 times
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
24 Month CD
$0
4.40%
▲ 1.93% above Connecticut avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.47%▲ 1.93% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 6 months' interest
Rate History
2 changes since Sep 24, 2026 · 3.65% → 4.40% ▲ 0.75 pts · high 4.40% / low 3.65%
- Oct 30, 20264.40%▲ from 3.90%
- Oct 1, 20263.90%▲ from 3.65%
- Sep 24, 20263.65%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month TD Choice CD
$250
4.30%
▲ 1.83% above Connecticut avg
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.47%▲ 1.83% above avgNationally 2.91%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month TD Choice CD
$250
4.29%
▲ 1.82% above Connecticut avg
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.47%▲ 1.82% above avgNationally 2.91%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.29% 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%
▲ 1.78% above Connecticut avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.47%▲ 1.78% above avgNationally 2.91%
Details
Balance: $1,000 - $249,999.99 daily balance to earn APY; available for IRA
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 5 times
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
24 Month Certificate of Deposit - Fixed Rate
$1,000
4.25%
▲ 1.78% above Connecticut avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.47%▲ 1.78% above avgNationally 2.91%
Details
Balance: $1,000 - $249,999.99 Daily balance to earn APY
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 5 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
24-Month CD
$500
4.25%
▲ 1.78% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.47%▲ 1.78% above avgNationally 2.91%
Details
Long-term security CD; $500 minimum opening deposit; maximum deposit $10 million; not available for public units or Business CDs
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 CD - 24 Months
$500
4.18%
▲ 1.71% above Connecticut avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.47%▲ 1.71% above avgNationally 2.91%
Details
APY (1)* = Annual Percentage Yield; compounds monthly
Rate History
No change since Oct 26, 2026 · 4.18% APY · checked 2 times
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
24 Month Share Certificate - Regular/IRA
$0
4.13%
▲ 1.66% above Connecticut avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.47%▲ 1.66% above avgNationally 2.91%
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 3 times
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
Term Share Certificate - 2 Years
$0
4.13%
▲ 1.66% above Connecticut avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.47%▲ 1.66% above avgNationally 2.91%
Details
Effective date: 10/01/2026; Minimum balance $1,000 required to earn stated APY
Rate History
No change since Oct 23, 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%
▲ 1.63% above Connecticut avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.47%▲ 1.63% above avgNationally 2.91%
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%
▲ 1.61% above Connecticut avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.47%▲ 1.61% above avgNationally 2.91%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 4.08% APY · checked 3 times
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 24 Months
$0
4.08%
▲ 1.61% above Connecticut avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.47%▲ 1.61% above avgNationally 2.91%
Details
Fixed rate; Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 4.08% APY · checked 3 times
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1 - 2 Year Choose Your Term CD
$500
4.00%
▲ 1.53% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.47%▲ 1.53% above avgNationally 2.91%
Details
Choose a term from 1-2 years; Washington Trust checking account required; open in branch or over the phone; maximum deposit $5 million; effective as of 8/26/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 10 times
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
24 month IRA Certificate
$1,000
4.00%
▲ 1.53% above Connecticut avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.47%▲ 1.53% above avgNationally 2.91%
Details
Dividend Rate 3.93%; APY 4.00%; Early withdrawal penalty applies; Rates effective as of 01/13/26
Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 7 times
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
24 Month Share Certificate
$0
3.85%
▲ 1.38% above Connecticut avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.47%▲ 1.38% above avgNationally 2.91%
Details
Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 3 times
Ellafi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
IRA Share Certificate - 24 Month
$0
3.85%
▲ 1.38% above Connecticut avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.47%▲ 1.38% above avgNationally 2.91%
Details
Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 3 times
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Term Share Certificate - 2 Years
$500
3.81%
▲ 1.34% above Connecticut avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.47%▲ 1.34% above avgNationally 2.91%
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 3 times
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
24 Month Share & IRA Certificates
$500
3.75%
▲ 1.28% above Connecticut avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.47%▲ 1.28% above avgNationally 2.91%
Details
Effective Date: October 19, 2026
Rate History
No change since Oct 20, 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%
▲ 1.28% above Connecticut avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.47%▲ 1.28% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 3 times
Northwest Community Bank
Institution Rating:
A4.9 ★Texas Ratio: 7.16%
2 Year Time Deposit & IRA
$500
3.75%
▲ 1.28% above Connecticut avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.47%▲ 1.28% above avgNationally 2.91%
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%
▲ 1.28% above Connecticut avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.47%▲ 1.28% above avgNationally 2.91%
Details
Rates as of 5/1/2026; Certificate compounding monthly; $500 minimum to earn APY; penalty for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 4 times
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
24 Month Share Certificates
$0
3.75%
▲ 1.28% above Connecticut avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.47%▲ 1.28% above avgNationally 2.91%
Details
Rates as of 10/01/2026; Certificate compounding monthly; $500 minimum to earn APY; penalty for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 4 times
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
Share Certificate - 24 Months
$0
3.75%
▲ 1.28% above Connecticut avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.47%▲ 1.28% above avgNationally 2.91%
Details
Dividend Rate 3.69%; APY 3.75%
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 4 times
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
24 Month Certificate
$2,500
3.72%
▲ 1.25% above Connecticut avg
▼
Rate3.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.47%▲ 1.25% above avgNationally 2.91%
Details
Rate History
No change since Oct 19, 2026 · 3.72% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month Short-Term Certificate
$0
3.70%
▲ 1.23% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.47%▲ 1.23% above avgNationally 2.91%
Details
Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month Short-Term Certificate
$0
3.66%
▲ 1.19% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.47%▲ 1.19% above avgNationally 2.91%
Details
Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.66% APY · checked 3 times
Tobacco Valley Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
2 Year Share Certificate
$1,000
3.65%
▲ 1.18% above Connecticut avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.47%▲ 1.18% above avgNationally 2.91%
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 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month EasyStart Certificate
$50
3.60%
▲ 1.13% above Connecticut avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.47%▲ 1.13% above avgNationally 2.91%
Details
Share, IRA, ESA; Rates as of Oct 30, 2026 ET; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 2 times
Bridgeport Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
24 Month Term Share Certificates
$0
3.56%
▲ 1.09% above Connecticut avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.47%▲ 1.09% above avgNationally 2.91%
Details
Balance: $1,000 to $79,999.99; Early withdrawal penalties apply.
Rate History
No change since Oct 12, 2026 · 3.56% APY · checked 4 times
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
24-Month Share Certificate
$0
3.52%
▲ 1.05% above Connecticut avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.47%▲ 1.05% above avgNationally 2.91%
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 · checked 3 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
24 Month 360 CD
$0
3.50%
▲ 1.03% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.47%▲ 1.03% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 3 times
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
24 Month CD
$1,000
3.50%
▲ 1.03% above Connecticut avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.47%▲ 1.03% above avgNationally 2.91%
Details
Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 11 times
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
IRA 24 Month CD
$1,000
3.50%
▲ 1.03% above Connecticut avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.47%▲ 1.03% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 4 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Certificate - 2 Years
$0
3.50%
▲ 1.03% above Connecticut avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.47%▲ 1.03% above avgNationally 2.91%
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 3 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
IRA Certificate 24 Months
$0
3.50%
▲ 1.03% above Connecticut avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.47%▲ 1.03% above avgNationally 2.91%
Details
Rates effective as of 10/23/2026; NCUA-insured
Rate History
No change since Oct 23, 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 - 24 Months
$0
3.50%
▲ 1.03% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.47%▲ 1.03% above avgNationally 2.91%
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
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
24-Month Share Certificate
$0
3.46%
▲ 0.99% above Connecticut avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.47%▲ 0.99% above avgNationally 2.91%
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 · 3.46% APY · checked 3 times
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
IRA Certificate - 24 Months
$0
3.35%
▲ 0.88% above Connecticut avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.47%▲ 0.88% above avgNationally 2.91%
Details
Bonus: 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Rate History
No change since Oct 23, 2026 · 3.35% APY · checked 2 times
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
Regular Certificate - 24 Months
$0
3.35%
▲ 0.88% above Connecticut avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.47%▲ 0.88% above avgNationally 2.91%
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 Oct 23, 2026 · 3.35% APY · checked 2 times
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
24-Month Certificate of Deposit (CD)
$1,000
3.30%
▲ 0.83% above Connecticut avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.47%▲ 0.83% above avgNationally 2.91%
Details
3.30% APY****; Ideal usage: Medium to long-term goals where you don't need money right away (e.g., planning a major purchase or building wealth safely); ATM Access: No; Check Writing: No
Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 9 times
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Beacon One 24 Month CD
$1,000
3.30%
▲ 0.83% above Connecticut avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.47%▲ 0.83% above avgNationally 2.91%
Details
Balance cannot exceed $1,000,000; must be an owner on a Beacon Bank checking account; no additional deposits before maturity; early withdrawal penalty applies
Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 9 times
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
24 Month IRA Share Certificate
$1,000
3.30%
▲ 0.83% above Connecticut avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.47%▲ 0.83% above avgNationally 2.91%
Details
Effective Date: Thursday, October 29th, 2026; Dividend Rate and APY fixed for the term; early withdrawal penalty is half the term of interest
Rate History
No change since Oct 22, 2026 · 3.30% APY · checked 2 times
FD Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
24 Month CD
$500
3.25%
▲ 0.78% above Connecticut avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.47%▲ 0.78% above avgNationally 2.91%
Details
Dividends compounded monthly; Early withdrawal penalty = 180 days dividend
Rate History
No change since Oct 23, 2026 · 3.25% APY · checked 2 times
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
Share Certificate - 24 months
$1,000
3.25%
▲ 0.78% above Connecticut avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.47%▲ 0.78% above avgNationally 2.91%
Details
Effective Date: Thursday, October 29th, 2026
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 3 times
Membersfirst CT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Share Certificate 24 Months
$1,000
3.04%
▲ 0.57% above Connecticut avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.47%▲ 0.57% above avgNationally 2.91%
Details
Rate History
No change since Oct 19, 2026 · 3.04% APY · checked 3 times
New Haven County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
2 Year Share Certificate
$500
3.03%
▲ 0.56% above Connecticut avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.47%▲ 0.56% above avgNationally 2.91%
Details
Minimum deposit to open Certificates is $500.00; early withdrawal penalties apply
Rate History
No change since Oct 13, 2026 · 3.03% APY · checked 4 times
Uncasville 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
221 Norwich New London Tpke, Uncasville, CT 06382
3 Year Online CD
$0
2.75%
▲ 0.39% above Connecticut avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.36%▲ 0.39% above avgNationally 2.82%
Details
Interest rate 2.71%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 11 times
Charter Oak Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
601 Norwich New London Tpke, Uncasville, CT 06382
Long-Term Share Certificate - 36 Month
$0
0.50%
▼ 1.86% below Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.36%▼ 1.86% below avgNationally 2.82%
Details
Rate History
No change since Oct 8, 2026 · 0.50% APY · checked 3 times
Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
563 Norwich New London Tpke, Uncasville, CT 06382
Certificate of Deposit Account - 3 Years
$500
0.25%
▼ 2.11% below Connecticut avg
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.36%▼ 2.11% below avgNationally 2.82%
Details
Minimum balance $0.01 to earn interest; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 0.25% 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%
▲ 1.99% above Connecticut avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.36%▲ 1.99% above avgNationally 2.82%
Details
Balance: $1,000 - $249,999.99 daily balance to earn APY; available for IRA
Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 5 times
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
36 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 31, 2026
Connecticut Average2.36%▲ 1.99% above avgNationally 2.82%
Details
Balance: $1,000 - $249,999.99 Daily balance to earn APY
Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 5 times
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Share & IRA CD - 36 Months
$500
4.33%
▲ 1.97% above Connecticut avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.36%▲ 1.97% above avgNationally 2.82%
Details
APY (1)* = Annual Percentage Yield; compounds monthly
Rate History
No change since Oct 26, 2026 · 4.33% APY · checked 2 times
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
36 Month Share Certificate - Regular/IRA
$0
4.23%
▲ 1.87% above Connecticut avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.36%▲ 1.87% above avgNationally 2.82%
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 3 times
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 36 Months
$0
4.18%
▲ 1.82% above Connecticut avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.36%▲ 1.82% above avgNationally 2.82%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 3 times
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 36 Months
$0
4.18%
▲ 1.82% above Connecticut avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.36%▲ 1.82% above avgNationally 2.82%
Details
Fixed rate; Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 3 times
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
Term Share Certificate - 3 Years
$0
4.18%
▲ 1.82% above Connecticut avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.36%▲ 1.82% above avgNationally 2.82%
Details
Effective date: 10/01/2026; Minimum balance $1,000 required to earn stated APY
Rate History
No change since Oct 23, 2026 · 4.18% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.15%
▲ 1.79% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.36%▲ 1.79% above avgNationally 2.82%
Details
Balance: $100,000 minimum; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
3-Year Share Certificate
$1,000
4.15%
▲ 1.79% above Connecticut avg
▼
Rate4.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.36%▲ 1.79% above avgNationally 2.82%
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%
▲ 1.74% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.36%▲ 1.74% above avgNationally 2.82%
Details
Balance: $1,000 minimum; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
36 Month Share & IRA Certificates
$500
4.00%
▲ 1.64% above Connecticut avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.36%▲ 1.64% above avgNationally 2.82%
Details
Effective Date: October 19, 2026
Rate History
No change since Oct 20, 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%
▲ 1.64% above Connecticut avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.36%▲ 1.64% above avgNationally 2.82%
Details
Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 3 times
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
36 Month Certificate
$2,500
3.82%
▲ 1.46% above Connecticut avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.36%▲ 1.46% above avgNationally 2.82%
Details
Rate History
No change since Oct 19, 2026 · 3.82% APY · checked 3 times
Northwest Community Bank
Institution Rating:
A4.9 ★Texas Ratio: 7.16%
3 Year Time Deposit & IRA
$500
3.75%
▲ 1.39% above Connecticut avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.36%▲ 1.39% above avgNationally 2.82%
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%
▲ 1.39% above Connecticut avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.36%▲ 1.39% above avgNationally 2.82%
Details
Early Withdrawal Penalty: 365 Days Interest
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 10 times
Tobacco Valley Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
3 Year Share Certificate
$1,000
3.75%
▲ 1.39% above Connecticut avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.36%▲ 1.39% above avgNationally 2.82%
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 4 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Certificate - 3 Years
$0
3.75%
▲ 1.39% above Connecticut avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.36%▲ 1.39% above avgNationally 2.82%
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%
▲ 1.39% above Connecticut avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.36%▲ 1.39% above avgNationally 2.82%
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%
▲ 1.39% above Connecticut avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.36%▲ 1.39% above avgNationally 2.82%
Details
Rates as of 5/1/2026; Certificate compounding monthly; $500 minimum to earn APY; penalty for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 4 times
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
36 Month Share Certificates
$0
3.75%
▲ 1.39% above Connecticut avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.36%▲ 1.39% above avgNationally 2.82%
Details
Rates as of 10/01/2026; Certificate compounding monthly; $500 minimum to earn APY; penalty for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 4 times
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
Share Certificate - 36 Months
$0
3.75%
▲ 1.39% above Connecticut avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.36%▲ 1.39% above avgNationally 2.82%
Details
Dividend Rate 3.69%; APY 3.75%
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 4 times
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
36-Month Share Certificate
$0
3.57%
▲ 1.21% above Connecticut avg
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.36%▲ 1.21% above avgNationally 2.82%
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 · checked 3 times
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
36-Month Share Certificate
$0
3.52%
▲ 1.16% above Connecticut avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.36%▲ 1.16% above avgNationally 2.82%
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 · checked 3 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
36 Month 360 CD
$0
3.50%
▲ 1.14% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.36%▲ 1.14% above avgNationally 2.82%
Details
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 3 times
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
36 Month CD
$1,000
3.50%
▲ 1.14% above Connecticut avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.36%▲ 1.14% above avgNationally 2.82%
Details
Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 11 times
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
IRA 36 Month CD
$1,000
3.50%
▲ 1.14% above Connecticut avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.36%▲ 1.14% above avgNationally 2.82%
Details
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 4 times
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
IRA Certificate - 36 Months
$0
3.35%
▲ 0.99% above Connecticut avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.36%▲ 0.99% above avgNationally 2.82%
Details
Bonus: 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Rate History
No change since Oct 23, 2026 · 3.35% APY · checked 2 times
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
Regular Certificate - 36 Months
$0
3.35%
▲ 0.99% above Connecticut avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.36%▲ 0.99% above avgNationally 2.82%
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 Oct 23, 2026 · 3.35% APY · checked 2 times
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
36 Month IRA Share Certificate
$1,000
3.30%
▲ 0.94% above Connecticut avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.36%▲ 0.94% above avgNationally 2.82%
Details
Effective Date: Thursday, October 29th, 2026; Dividend Rate and APY fixed for the term; early withdrawal penalty is half the term of interest
Rate History
No change since Oct 22, 2026 · 3.30% APY · checked 2 times
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 Month CD
$0
3.25%
▲ 0.89% above Connecticut avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.36%▲ 0.89% above avgNationally 2.82%
Details
Minimum collected daily balance of $1,000.00 to obtain disclosed APY
Rate History
No change since Oct 26, 2026 · 3.25% APY · checked 2 times
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
Share Certificate - 36 months
$1,000
3.25%
▲ 0.89% above Connecticut avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.36%▲ 0.89% above avgNationally 2.82%
Details
Effective Date: Thursday, October 29th, 2026
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 3 times
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
36 Month IRA
$500
3.05%
▲ 0.69% above Connecticut avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.36%▲ 0.69% above avgNationally 2.82%
Details
Compounded: Daily
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 9 times
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
Certificate and IRA Certificate - 3 Year
$2,500
3.04%
▲ 0.68% above Connecticut avg
▼
Rate3.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.36%▲ 0.68% above avgNationally 2.82%
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 · 3.04% APY · checked 2 times
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3 Year Certificate of Deposit
$500
3.00%
▲ 0.64% above Connecticut avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.36%▲ 0.64% above avgNationally 2.82%
Details
Regular and IRA certificates; early withdrawal penalties apply
Rate History
No change since Oct 21, 2026 · 3.00% APY · checked 3 times
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Certificate of Deposit - 3 year
$0
3.00%
▲ 0.64% above Connecticut avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.36%▲ 0.64% above avgNationally 2.82%
Details
Certificates of Deposit (Regular and IRAs)
Rate History
No change since Oct 21, 2026 · 3.00% APY · checked 3 times
ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
Certificate of Deposit - 3 Year
$500
3.00%
▲ 0.64% above Connecticut avg
▼
Rate2.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Connecticut Average2.36%▲ 0.64% above avgNationally 2.82%
Details
Until Maturity; Fixed rate until maturity
Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 2 times
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
IRA Certificates - 36 Month Certificate
$500
3.00%
▲ 0.64% above Connecticut avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.36%▲ 0.64% above avgNationally 2.82%
Details
Compounded: Monthly
Rate History
No change since Oct 15, 2026 · 3.00% APY · checked 3 times
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Share Certificate - 36 Month Certificate
$500
3.00%
▲ 0.64% above Connecticut avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.36%▲ 0.64% above avgNationally 2.82%
Details
Compounded Monthly; Minimum balance to earn APY $500; Minimum deposit to open $500
Rate History
No change since Oct 23, 2026 · 3.00% APY · checked 2 times
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
3 Year Certificate
$0
3.00%
▲ 0.64% above Connecticut avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.36%▲ 0.64% above avgNationally 2.82%
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 3 times
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
36 Month Certificate
$500
3.00%
▲ 0.64% above Connecticut avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.36%▲ 0.64% above avgNationally 2.82%
Details
Compounded: Daily
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
Certificate of Deposit - 3 Year
$500
2.54%
▲ 0.18% above Connecticut avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.36%▲ 0.18% above avgNationally 2.82%
Details
Rate History
No change since Oct 20, 2026 · 2.54% APY · checked 4 times
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
IRA Certificate - 3 Year
$500
2.54%
▲ 0.18% above Connecticut avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.36%▲ 0.18% above avgNationally 2.82%
Details
Rate History
No change since Oct 20, 2026 · 2.54% APY · checked 4 times
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Term Share Certificate - 3 Years
$500
2.53%
▲ 0.17% above Connecticut avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.36%▲ 0.17% above avgNationally 2.82%
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 3 times
Achieve Financial Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.09%
Share Certificate - 36 Months
$1,000
2.53%
▲ 0.17% above Connecticut avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.36%▲ 0.17% above avgNationally 2.82%
Details
$1,000 minimum opening deposit for standard Certificates
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 7 times
Membersfirst CT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Share Certificate 36 Months
$1,000
2.53%
▲ 0.17% above Connecticut avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Connecticut Average2.36%▲ 0.17% above avgNationally 2.82%
Details
Rate History
No change since Oct 19, 2026 · 2.53% APY · checked 3 times
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
Star Relationship CD 3 Year
$500
2.50%
▲ 0.14% above Connecticut avg
▼
Rate2.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.36%▲ 0.14% above avgNationally 2.82%
Details
$500 Minimum unless otherwise noted; Early Withdrawal Penalties May Apply; Effective Date: 10/30/2026
Rate History
No change since Sep 8, 2026 · 2.50% APY · checked 7 times
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
3 Year IRA CD - Premium
$500
2.50%
▲ 0.14% above Connecticut avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Connecticut Average2.36%▲ 0.14% above avgNationally 2.82%
Details
IRA; Premium APY; requires Personal Premium Checking or Personal Premium Money Market account; IRA minimum to open $500.00
Rate History
No change since Oct 22, 2026 · 2.50% APY · checked 2 times
Uncasville 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
221 Norwich New London Tpke, Uncasville, CT 06382
4 Year Online CD
$0
2.75%
▲ 0.50% above Connecticut avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 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 11 times
Charter Oak Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
601 Norwich New London Tpke, Uncasville, CT 06382
Long-Term Share Certificate - 48 Month
$0
0.50%
▼ 1.75% below Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.25%▼ 1.75% below avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 0.50% APY · checked 3 times
Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
563 Norwich New London Tpke, Uncasville, CT 06382
Certificate of Deposit Account - 4 Years
$500
0.30%
▼ 1.95% below Connecticut avg
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.25%▼ 1.95% below avgNationally 2.81%
Details
Minimum balance $0.01 to earn interest; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 0.30% APY · checked 4 times
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Share & IRA CD - 48 Months
$500
4.44%
▲ 2.19% above Connecticut avg
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.25%▲ 2.19% above avgNationally 2.81%
Details
APY (1)* = Annual Percentage Yield; compounds monthly
Rate History
No change since Oct 26, 2026 · 4.44% APY · checked 2 times
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 31, 2026
Connecticut Average2.25%▲ 2.10% above avgNationally 2.81%
Details
Balance: $1,000 - $249,999.99 daily balance to earn APY; available for IRA
Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 5 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 31, 2026
Connecticut Average2.25%▲ 2.10% above avgNationally 2.81%
Details
Balance: $1,000 - $249,999.99 Daily balance to earn APY
Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 5 times
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
Term Share Certificate - 4 Years
$0
4.23%
▲ 1.98% above Connecticut avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 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
No change since Oct 23, 2026 · 4.23% APY · checked 2 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 29, 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 29, 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 · checked 3 times
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 29, 2026
Connecticut Average2.25%▲ 1.93% above avgNationally 2.81%
Details
Fixed rate; Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 3 times
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 30, 2026
Connecticut Average2.25%▲ 1.57% above avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 3.82% APY · checked 3 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 31, 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 30, 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 4 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 31, 2026
Connecticut Average2.25%▲ 1.25% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 3 times
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 31, 2026
Connecticut Average2.25%▲ 1.25% above avgNationally 2.81%
Details
Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 11 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 31, 2026
Connecticut Average2.25%▲ 1.25% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 4 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 28, 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 10 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 29, 2026
Connecticut Average2.25%▲ 1.25% above avgNationally 2.81%
Details
Rates as of 5/1/2026; Certificate compounding monthly; $500 minimum to earn APY; penalty for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 4 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 29, 2026
Connecticut Average2.25%▲ 1.25% above avgNationally 2.81%
Details
Rates as of 10/01/2026; Certificate compounding monthly; $500 minimum to earn APY; penalty for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 4 times
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
IRA Certificate - 48 Months
$0
3.35%
▲ 1.10% above Connecticut avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 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 Oct 23, 2026 · 3.35% APY · checked 2 times
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
Regular Certificate - 48 Months
$0
3.35%
▲ 1.10% above Connecticut avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 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 Oct 23, 2026 · 3.35% APY · checked 2 times
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
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 29, 2026
Connecticut Average2.25%▲ 1.05% above avgNationally 2.81%
Details
Effective Date: Thursday, October 29th, 2026; Dividend Rate and APY fixed for the term; early withdrawal penalty is half the term of interest
Rate History
No change since Oct 22, 2026 · 3.30% APY · checked 2 times
Metropolitan District Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
Share Certificate - 48 months
$1,000
3.25%
▲ 1.00% above Connecticut avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.25%▲ 1.00% above avgNationally 2.81%
Details
Effective Date: Thursday, October 29th, 2026
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 3 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 28, 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 3 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 28, 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
No change since Oct 23, 2026 · 3.10% APY · checked 2 times
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 31, 2026
Connecticut Average2.25%▲ 0.75% above avgNationally 2.81%
Details
Regular and IRA certificates; early withdrawal penalties apply
Rate History
No change since Oct 21, 2026 · 3.00% APY · checked 3 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 31, 2026
Connecticut Average2.25%▲ 0.75% above avgNationally 2.81%
Details
Certificates of Deposit (Regular and IRAs)
Rate History
No change since Oct 21, 2026 · 3.00% APY · checked 3 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 28, 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 3 times
Achieve Financial Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.09%
Share Certificate - 48 Months
$1,000
2.79%
▲ 0.54% above Connecticut avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.25%▲ 0.54% above avgNationally 2.81%
Details
$1,000 minimum opening deposit for standard Certificates
Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 7 times
Membersfirst CT Credit Union
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 30, 2026
Connecticut Average2.25%▲ 0.53% above avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 2.78% APY · checked 3 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 28, 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 Oct 23, 2026 · 2.75% APY · checked 2 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 29, 2026
Connecticut Average2.25%▲ 0.38% above avgNationally 2.81%
Details
Minimum deposit to open Certificates is $500.00; early withdrawal penalties apply
Rate History
No change since Oct 13, 2026 · 2.63% APY · checked 4 times
New Haven County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
Share Certificate - 4 Year
$0
2.63%
▲ 0.38% above Connecticut avg
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.25%▲ 0.38% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.63% APY · checked 7 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 27, 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 10 times
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
48 month IRA Certificate
$1,000
2.55%
▲ 0.30% above Connecticut avg
▼
Rate2.52%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.25%▲ 0.30% above avgNationally 2.81%
Details
Dividend Rate 2.52%; APY 2.55%; Early withdrawal penalty applies; Rates effective as of 01/13/26
Rate History
No change since Sep 12, 2026 · 2.55% APY · checked 7 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 31, 2026
Connecticut Average2.25%▲ 0.29% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 2.54% APY · checked 4 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 31, 2026
Connecticut Average2.25%▲ 0.29% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 2.54% APY · checked 4 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 28, 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 3 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 31, 2026
Connecticut Average2.25%▲ 0.25% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 2.50% APY · checked 3 times
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 31, 2026
Connecticut Average2.25%▲ 0.25% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 2.50% APY · checked 3 times
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 31, 2026
Connecticut Average2.25%▲ 0.25% above avgNationally 2.81%
Details
$500 Minimum unless otherwise noted; Early Withdrawal Penalties May Apply; Effective Date: 10/30/2026
Rate History
No change since Sep 8, 2026 · 2.50% APY · checked 7 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 27, 2026
Connecticut Average2.25%▲ 0.25% above avgNationally 2.81%
Details
IRA; Premium APY; requires Personal Premium Checking or Personal Premium Money Market account; IRA minimum to open $500.00
Rate History
No change since Oct 22, 2026 · 2.50% APY · checked 2 times
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
4-Year CD - Premium
$0
2.50%
▲ 0.25% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Connecticut Average2.25%▲ 0.25% above avgNationally 2.81%
Details
Premium APY
Rate History
No change since Oct 27, 2026 · 2.50% APY
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 27, 2026
Connecticut Average2.25%▲ 0.25% above avgNationally 2.81%
Details
Premium APY
Rate History
No change since Oct 22, 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 27, 2026
Connecticut Average2.25%▲ 0.25% above avgNationally 2.81%
Details
Until Maturity; Fixed rate until maturity
Rate History
No change since Oct 22, 2026 · 2.50% APY · checked 2 times
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
48 Month Certificate
$0
2.50%
▲ 0.25% above Connecticut avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.25%▲ 0.25% above avgNationally 2.81%
Details
Certificate
Rate History
No change since Sep 12, 2026 · 2.50% APY · checked 13 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 26, 2026
Connecticut Average2.25%▲ 0.15% above avgNationally 2.81%
Details
Minimum opening deposit $1,000
Rate History
No change since Oct 21, 2026 · 2.40% APY · checked 2 times
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
Certificate of Deposit 4 Year
$500
2.25%
At Connecticut avg
▼
Rate2.19%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.25%At the averageNationally 2.81%
Details
$500 Minimum unless otherwise noted; Early Withdrawal Penalties May Apply; Effective Date: 10/30/2026
Rate History
No change since Oct 14, 2026 · 2.25% APY · checked 4 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 27, 2026
Connecticut Average2.25%At the averageNationally 2.81%
Details
IRA; Regular APY; IRA minimum to open $500.00; minimum balance to earn APY $0.01
Rate History
No change since Oct 22, 2026 · 2.25% APY · checked 2 times
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
4-Year CD
$0
2.25%
At Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Connecticut Average2.25%At the averageNationally 2.81%
Details
Regular APY
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 4 times
Uncasville 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
221 Norwich New London Tpke, Uncasville, CT 06382
5 Year Online CD
$0
2.75%
▲ 0.39% above Connecticut avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 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 11 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
221 Norwich New London Tpke, Uncasville, CT 06382
Online CD - 5 Year
$0
2.75%
▲ 0.39% above Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 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 Oct 20, 2026 · 2.75% APY · checked 3 times
Charter Oak Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
601 Norwich New London Tpke, Uncasville, CT 06382
Long-Term Share Certificate - 60 Month
$0
0.50%
▼ 1.86% below Connecticut avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.36%▼ 1.86% below avgNationally 2.92%
Details
Rate History
No change since Oct 8, 2026 · 0.50% APY · checked 3 times
Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
563 Norwich New London Tpke, Uncasville, CT 06382
Certificate of Deposit Account - 5 Years
$500
0.40%
▼ 1.96% below Connecticut avg
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.36%▼ 1.96% below avgNationally 2.92%
Details
Minimum balance $0.01 to earn interest; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 0.40% APY · checked 4 times
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Share & IRA CD - 60 Months
$500
4.49%
▲ 2.13% above Connecticut avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.36%▲ 2.13% above avgNationally 2.92%
Details
APY (1)* = Annual Percentage Yield; compounds monthly
Rate History
No change since Oct 26, 2026 · 4.49% APY · checked 2 times
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 31, 2026
Connecticut Average2.36%▲ 1.99% above avgNationally 2.92%
Details
Balance: $1,000 - $249,999.99 daily balance to earn APY; available for IRA
Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 5 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 31, 2026
Connecticut Average2.36%▲ 1.99% above avgNationally 2.92%
Details
Balance: $1,000 - $249,999.99 Daily balance to earn APY
Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 5 times
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
Term Share Certificate - 5 Years
$0
4.28%
▲ 1.92% above Connecticut avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 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
No change since Oct 23, 2026 · 4.28% APY · checked 2 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 29, 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 29, 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 3 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 29, 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 · checked 3 times
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 29, 2026
Connecticut Average2.36%▲ 1.82% above avgNationally 2.92%
Details
Fixed rate; Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 3 times
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 31, 2026
Connecticut Average2.36%▲ 1.64% above avgNationally 2.92%
Details
Effective Date: October 19, 2026
Rate History
No change since Oct 20, 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 31, 2026
Connecticut Average2.36%▲ 1.64% above avgNationally 2.92%
Details
Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 3 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 31, 2026
Connecticut Average2.36%▲ 1.54% above avgNationally 2.92%
Details
Balance: $100,000 minimum; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.90% APY · checked 2 times
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 31, 2026
Connecticut Average2.36%▲ 1.49% above avgNationally 2.92%
Details
Balance: $1,000 minimum; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 2 times
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 30, 2026
Connecticut Average2.36%▲ 1.46% above avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 3.82% APY · checked 3 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 31, 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 30, 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 4 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 31, 2026
Connecticut Average2.36%▲ 1.24% above avgNationally 2.92%
Details
CD rates fixed upon opening; no minimum deposit required
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 9 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 31, 2026
Connecticut Average2.36%▲ 1.24% above avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 4 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 31, 2026
Connecticut Average2.36%▲ 1.14% above avgNationally 2.92%
Details
Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 11 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 31, 2026
Connecticut Average2.36%▲ 1.14% above avgNationally 2.92%
Details
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 4 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 29, 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 29, 2026
Connecticut Average2.36%▲ 1.14% above avgNationally 2.92%
Details
Rates as of 5/1/2026; Certificate compounding monthly; $500 minimum to earn APY; penalty for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 4 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 29, 2026
Connecticut Average2.36%▲ 1.14% above avgNationally 2.92%
Details
Rates as of 10/01/2026; Certificate compounding monthly; $500 minimum to earn APY; penalty for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 4 times
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
IRA Certificate - 60 Months
$0
3.35%
▲ 0.99% above Connecticut avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 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 Oct 23, 2026 · 3.35% APY · checked 2 times
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
Regular Certificate - 60 Months
$0
3.35%
▲ 0.99% above Connecticut avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 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 Oct 23, 2026 · 3.35% APY · checked 2 times
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
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 29, 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
No change since Oct 23, 2026 · 3.30% 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 28, 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 3 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 28, 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
No change since Oct 23, 2026 · 3.20% APY · checked 2 times
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
60 month IRA Certificate
$1,000
3.05%
▲ 0.69% above Connecticut avg
▼
Rate3.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.36%▲ 0.69% above avgNationally 2.92%
Details
Dividend Rate 3.01%; APY 3.05%; Early withdrawal penalty applies; Rates effective as of 01/13/26
Rate History
No change since Sep 12, 2026 · 3.05% APY · checked 7 times
Achieve Financial Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.09%
Share Certificate - 60 Months
$1,000
3.05%
▲ 0.69% above Connecticut avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.36%▲ 0.69% above avgNationally 2.92%
Details
$1,000 minimum opening deposit for standard Certificates
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 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 31, 2026
Connecticut Average2.36%▲ 0.64% above avgNationally 2.92%
Details
Regular and IRA certificates; early withdrawal penalties apply
Rate History
No change since Oct 21, 2026 · 3.00% APY · checked 3 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 31, 2026
Connecticut Average2.36%▲ 0.64% above avgNationally 2.92%
Details
Certificates of Deposit (Regular and IRAs)
Rate History
No change since Oct 21, 2026 · 3.00% APY · checked 3 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 28, 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 Oct 23, 2026 · 3.00% APY · checked 2 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 28, 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 3 times
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
60 Month Certificate
$0
3.00%
▲ 0.64% above Connecticut avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.36%▲ 0.64% above avgNationally 2.92%
Details
Certificate
Rate History
No change since Sep 12, 2026 · 3.00% APY · checked 13 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 29, 2026
Connecticut Average2.36%▲ 0.64% above avgNationally 2.92%
Details
Minimum balance $1,000 to earn dividends
Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 3 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 29, 2026
Connecticut Average2.36%▲ 0.48% above avgNationally 2.92%
Details
Minimum deposit to open Certificates is $500.00; early withdrawal penalties apply
Rate History
No change since Oct 13, 2026 · 2.84% APY · checked 4 times
New Haven County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
Share Certificate - 5 Year
$0
2.84%
▲ 0.48% above Connecticut avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Connecticut Average2.36%▲ 0.48% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 2.84% APY · checked 7 times
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
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 29, 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 · checked 2 times
Membersfirst CT Credit Union
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 30, 2026
Connecticut Average2.36%▲ 0.42% above avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 2.78% APY · checked 3 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 31, 2026
Connecticut Average2.36%▲ 0.39% above avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 2.75% APY · checked 3 times
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 31, 2026
Connecticut Average2.36%▲ 0.39% above avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 2.75% APY · checked 3 times
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 31, 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 4 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 31, 2026
Connecticut Average2.36%▲ 0.18% above avgNationally 2.92%
Details
Rate History
No change since Oct 20, 2026 · 2.54% APY · checked 4 times
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
IRA Certificate - 5 Year
$500
2.54%
▲ 0.18% above Connecticut avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.36%▲ 0.18% above avgNationally 2.92%
Details
Rate History
No change since Oct 20, 2026 · 2.54% APY · checked 4 times
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Term Share Certificate - 5 Years
$500
2.53%
▲ 0.17% above Connecticut avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Connecticut Average2.36%▲ 0.17% above avgNationally 2.92%
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 3 times
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
Star Relationship CD 5 Year
$500
2.50%
▲ 0.14% above Connecticut avg
▼
Rate2.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Connecticut Average2.36%▲ 0.14% above avgNationally 2.92%
Details
$500 Minimum unless otherwise noted; Early Withdrawal Penalties May Apply; Effective Date: 10/30/2026
Rate History
No change since Sep 8, 2026 · 2.50% APY · checked 7 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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Uncasville, CT CD Rate Trends
Compare local Uncasville, 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
2.796%
▲ 0.012 vs 7 days ago
Connecticut 12-month CD rates rose 0.012 points over the past 7 days to 2.796% APY.
6-Month CD CT Avg
2.491%
▲ 0.015 vs 7 days ago
Connecticut 6-month CD rates rose 0.015 points over the past 7 days to 2.491% APY.
As of Oct 31, 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
2.796%
6-Month Forecast
2.796%
Range: 2.60%, 2.95%
12-Month Forecast
3.046%
Range: 2.85%, 3.20%
Powered by
MonitorBankRates
What Your Savings Earn at CT CD Rates Today
Annual interest earnings at today’s Connecticut average APYs. State average used where available; national average as fallback.
| CD Term | CT Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.535% | $76.76 | $153.52 | $383.80 | $767.60 |
| 6-Month CD | 2.491% | $124.56 | $249.13 | $622.82 | $1,245.65 |
| 12-Month CD | 2.796% | $139.80 | $279.59 | $698.98 | $1,397.95 |
| 18-Month CD | 2.654% | $132.70 | $265.40 | $663.50 | $1,327.00 |
| 24-Month CD | 2.474% | $123.71 | $247.41 | $618.53 | $1,237.05 |
| 36-Month CD | 2.355% | $117.77 | $235.53 | $588.83 | $1,177.65 |
| 48-Month CD | 2.246% | $112.29 | $224.58 | $561.45 | $1,122.90 |
| 60-Month CD | 2.356% | $117.81 | $235.62 | $589.05 | $1,178.10 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 31, 2026. | |||||
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Sample CD Ladder for Uncasville, 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 | 1.535% | $76.76 |
| 2 | 6-Month CD | $5,000 | 2.491% | $124.56 |
| 3 | 12-Month CD | $5,000 | 2.796% | $139.80 |
| 4 | 24-Month CD | $5,000 | 2.474% | $123.71 |
| 5 | 36-Month CD | $5,000 | 2.355% | $117.77 |
| Total ($25,000 invested) | $25,000 | 2.330% blended | $582.60/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
859
CD Rates
Tracked in Uncasville, Connecticut
Tracked in Uncasville, Connecticut
39 Banks
50 Credit Unions
About Our Uncasville, Connecticut CD Rate Database
MonitorBankRates tracks 859 CD rates from 39 banks and 50 credit unions with locations in Uncasville, 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: Citizens Access offers a CD at 3.25% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Uncasville, Connecticut.
How to Find the Best CD Rates in Uncasville, Connecticut
What to compare when shopping for a CD in Uncasville, Connecticut
To find the best APYs in Uncasville, Connecticut, start with credit unions and online-only banks: Uncasville, 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 Uncasville, 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 Uncasville, Connecticut: 89 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Uncasville, 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 Uncasville, Connecticut money market rates
Connecticut Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
Population 65+
18.5%
National avg: 17.3%
Median Individual Earnings
$52,599
National avg: $47,340
Poverty Rate
10.0%
National avg: 11.1%
Unemployment Rate
5.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$147/yr
At CT 12-mo avg 2.796% APY
18.5% of residents are 65 or older, in line with the national average of 17.3%. At today’s CT 12-month CD average of 2.796%, saving 10% of the local median salary ($5,259/year) and putting it in a CD would earn an additional $147 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 Uncasville, 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 |
CD Product Information
How CDs Work
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 Uncasville, 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 Uncasville, Connecticut as everywhere in the U.S.
CD Terms
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Uncasville, Connecticut savers easier access to their funds. For example, Charter Oak Federal Credit Union is offering its Short-Term Share Certificate - 6 Month at 0.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Citizens Access is offering its 5 Year Online CD at 2.75% 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
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 Uncasville, 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
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 Uncasville, 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
Most CDs carry a fixed rate that is locked for the entire term, protecting a Uncasville, 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 Uncasville, Connecticut
What are CD rates in Uncasville, Connecticut today?
Uncasville, Connecticut CD rates range from 0.01% to 5.05% APY as of October 31, 2026, verified by MonitorBankRates. Top rates include 3.25% APY at Citizens Access (1 Year Online CD), 0.50% at Charter Oak Federal Credit Union (Long-Term Share Certificate - 18 Month) and 0.40% at Dime Bank (Certificate of Deposit Account - 5 Years), compared with the MonitorBankRates national 12 month average of 3.01% APY.
Are CD rates in Uncasville, Connecticut FDIC insured?
Yes, most established banks in Uncasville, 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 Uncasville, 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 Uncasville, 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 Uncasville, 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 Uncasville, Connecticut?
Here are recent top rates found for this area:
- Citizens Access: 3.25% APY (1 Year Online CD)
- Charter Oak Federal Credit Union: 0.50% APY (Long-Term Share Certificate - 18 Month)
- Dime Bank: 0.40% APY (Certificate of Deposit Account - 5 Years)
- Usalliance Credit Union: 5.05% APY (18 Month Certificate)
- Atlantic Community Bankers Bank: 4.66% APY (CD 1 Year)
- Paramount Bank: 4.50% APY (CD - 12 Month Special)
- State Police Credit Union: 4.49% APY (Share & IRA CD - 60 Months)
- DR Bank: 4.45% APY (Prime Certificates of Deposit - 24 month)
- Zynlo Bank: 4.40% APY (12 Month CD)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
Rates reflect recent verified offers available in Uncasville, Connecticut. Last Updated: October 31, 2026
Uncasville, 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 Uncasville, 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 Uncasville, Connecticut
Uncasville, Connecticut CD Calculator
At today’s CT top rate of 3.25% APY, a $10,000 deposit earns $325 in the first year. Enter your amount to see your exact return.
Uncasville, Connecticut CD LadderCT CD rates currently range from 1.535% (3-month) to 2.355% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Uncasville, Connecticut CD at 3.25% 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 2.796% 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 Uncasville, 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 Uncasville, 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 Uncasville, 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 31, 2026
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