CD Rates Delaware (DE) for April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Delaware CD rates include Priority Plus Federal Credit UnionPriority Plus Federal Credit Union6 LYNAM ST, WILMINGTON, DE 19804A+5.0 ★Texas Ratio: 2.58%Real return: +1.52%APY minus CPI (February 2026) offering 48 mo Certificate at 4.32% APY, Delaware State Police Federal Credit UnionDelaware State Police Federal Credit Union700 N Bedford St, Georgetown, DE 19947A+5.0 ★Texas Ratio: 5.11%Real return: +1.28%APY minus CPI (February 2026) offering 6 month share certificate at 4.08% APY, American Spirit Federal Credit UnionAmerican Spirit Federal Credit Union1110 Elkton Rd, Newark, DE 19711A5.0 ★Texas Ratio: 6.43%Real return: +1.21%APY minus CPI (February 2026) offering SPECIAL PROMOTION: Certificates for New Funds to American Spirit FCU Only Share Certificate (48-Month) at 4.01% APY, Comenity BankComenity Bank1 Righter Pkwy, Wilmington, DE 19803B4.4 ★Texas Ratio: 21.76%Real return: +1.05%APY minus CPI (February 2026) offering 1-Year CD at 3.85% APY, and Sun East Federal Credit UnionSun East Federal Credit UnionConcord Gallery Shopping Center, Wilmington, DE 19803A5.0 ★Texas Ratio: 9.14%Real return: +1.00%APY minus CPI (February 2026) offering 12 Month Jumbo Certificates at 3.80% APY. CD rates as of April 22, 2026 according to verified data from MonitorBankRates.
We compared 213 CD rates from 27 banks and credit unions available in Delaware to help you find the best bank CD rates and credit union CD rates across all terms.
Use the tables below to compare CD rates across all terms in Delaware side-by-side. Delaware CD rates currently reach as high as 4.32% APY from Priority Plus Federal Credit Union at 6 LYNAM ST, WILMINGTON, DE 19804. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 22, 2026
Compare Best CD Rates in Delaware
$500 New Money Minimum
Our best rate that gives you the highest return on your deposit, guaranteed.
Early withdrawal penalties may apply
For members under 18!
6-Month term not available on IRA Certificates. APY = Annual Percentage Yield. APY subject to change at any time. APY assumes compounding of dividends. Early withdrawals are subject to a penalty and will reduce APY.
A competitive option for a longer period so you know you'll be earning a great rate in the months to come.
Early withdrawal penalties may apply
$25,000
Open Account: $500.00; Obtain APY: $500.00
Early withdrawal penalties may apply
Relationship APY
$25,000
Open Account: $500.00; Obtain APY: $500.00
Relationship APY
$25,000
Relationship APY
Relationship APY
Open Account: $500.00; Obtain APY: $500.00
Relationship APY
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Delaware CD Rate Trends
Compare local Delaware 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.
Delaware 12-month CD rates fell 0.135 points over the past 7 days to 1.829% APY.
Delaware 6-month CD rates fell 0.335 points over the past 7 days to 2.018% APY.
DE CD Rate Forecast — Next 12 Months
Where are Delaware CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at DE CD Rates Today
Annual interest earnings at today’s Delaware average APYs. State average used where available; national average as fallback.
| CD Term | DE Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.678% | $83.90 | $167.80 | $419.50 | $839.00 |
| 6-Month CD | 2.018% | $100.90 | $201.80 | $504.50 | $1,009.00 |
| 12-Month CD | 1.829% | $91.46 | $182.91 | $457.28 | $914.55 |
| 18-Month CD | 2.417% | $120.83 | $241.65 | $604.13 | $1,208.25 |
| 24-Month CD | 2.093% | $104.65 | $209.30 | $523.25 | $1,046.50 |
| 36-Month CD | 1.724% | $86.22 | $172.44 | $431.10 | $862.20 |
| 48-Month CD | 1.876% | $93.81 | $187.61 | $469.03 | $938.05 |
| 60-Month CD | 1.682% | $84.12 | $168.23 | $420.58 | $841.15 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 22, 2026. | |||||
Sample CD Ladder for Delaware Savers
$25,000 split equally across 5 terms using today’s Delaware average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | DE Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.678% | $83.90 |
| 2 | 6-Month CD | $5,000 | 2.018% | $100.90 |
| 3 | 12-Month CD | $5,000 | 1.829% | $91.46 |
| 4 | 24-Month CD | $5,000 | 2.093% | $104.65 |
| 5 | 36-Month CD | $5,000 | 1.724% | $86.22 |
| Total ($25,000 invested) | $25,000 | 1.869% blended | $467.13/yr | |
Ladder example uses equal $5,000 rungs and Delaware average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
Tracked in Delaware
About Our Delaware CD Rate Database
MonitorBankRates tracks 213 CD rates from 9 banks and 14 credit unions with locations in Delaware, plus national online institutions available to Delaware residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Priority Plus Federal Credit Union offers a CD at 4.32% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Delaware.
How to Find the Best CD Rates in Delaware
What to compare when shopping for a CD in Delaware
To find the best APYs in Delaware, start with credit unions and online-only banks — Delaware has 14 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 Delaware
- 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 Delaware — 23 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Delaware savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Delaware money market rates
Delaware Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
20.6% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s DE 12-month CD average of 1.829%, saving 10% of the local median salary ($4,628/year) and putting it in a CD would earn an additional $85 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 Delaware
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Delaware
Are CD rates in Delaware FDIC insured?
Do I have to pay state taxes on CD interest in Delaware?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Delaware?
- Priority Plus Federal Credit Union: 4.32% APY (48 mo Certificate)
- Delaware State Police Federal Credit Union: 4.08% APY (6 month share certificate)
- American Spirit Federal Credit Union: 4.01% APY (SPECIAL PROMOTION: Certificates for New Funds to American Spirit FCU Only Share Certificate (48-Month))
- Comenity Bank: 3.85% APY (1-Year CD)
- Sun East Federal Credit Union: 3.80% APY (12 Month Jumbo Certificates)
- Franklin Mint Federal Credit Union: 3.70% APY (12 MONTH Certificate)
- HSBC Trust Company (Delaware): 3.65% APY (New Money CDs 12 Month)
- County Bank Rehoboth Beach, DE: 3.60% APY (12 Month Jumbo Certificate of Deposit or IRA)
- Cecil County School Employees Federal Credit Union: 3.55% APY (3-Month Certificate Special)
- Wilmington Savings Fund Society (WSFS): 3.50% APY (3-Month CD)
CD Calculators for Delaware
At today’s DE top rate of 4.32% APY, a $10,000 deposit earns $432 in the first year. Enter your amount to see your exact return.
Delaware CD LadderDE CD rates currently range from 1.678% (3-month) to 1.724% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Delaware CD at 4.32% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsDelaware’s average 12-month CD is 1.829% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Delaware directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight 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 Delaware. 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 DE.
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.
Cities in Delaware
