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CD Rate Trends

Elsmere, Delaware Best CD Rates September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: September 28, 2026

Current CD rates in Elsmere, Delaware range from 3.85% to 4.45% APY across the five banks and credit unions featured below, verified by MonitorBankRates as of September 28, 2026. Current Elsmere, Delaware CD rates include M&T BankM&T Bank1309 Kirkwood Hwy, Elsmere, DE 19805A5.0 ★Texas Ratio: 6.93%Real return: +1.05%APY minus CPI (February 2026) offering 18 MONTH SELECT Certificate of Deposit at 3.85% APY, HSBC Trust Company (Delaware)HSBC Trust Company (Delaware)A+5.0 ★Texas Ratio: 0.00%Real return: +1.65%APY minus CPI (February 2026) offering 24 Month CD at 4.45% APY, Barclays BankBarclays BankA5.0 ★Texas Ratio: 8.21%Real return: +1.55%APY minus CPI (February 2026) offering 24 Month Online CD Terms at 4.35% APY, Capital One BankCapital One BankA5.0 ★Texas Ratio: 7.01%Real return: +1.50%APY minus CPI (February 2026) offering 12 Month 360 CDs at 4.30% APY, and Comenity BankComenity BankB4.6 ★Texas Ratio: 20.12%Real return: +1.45%APY minus CPI (February 2026) offering 1-year CD at 4.25% APY. CD rates as of September 28, 2026 according to verified data from MonitorBankRates.

Elsmere has 2 local institutions in our database, with CD rates as high as 3.85% APY from M&T Bank at 1309 Kirkwood Hwy, Elsmere, DE 19805. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Delaware 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: September 28, 2026

Compare Best CD Rates in Elsmere, Delaware & the Surrounding Area

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Elsmere 3 Month CD Rates

National 3 Month CD Average2.08% APY▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Comenity Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.12%
3-month CD
$1,500
3.90% ▲ 1.82% above national avg
View
▼
Rate—
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.82% above avg
Details

Get guaranteed returns for tomorrow with a retirement CD featuring a fixed rate and your choice of term length. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time. A penalty will be imposed for early withdrawals on CDs.

Rate History
No change since Sep 19, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 19, 2026: 3.90% APYSep 19, 2026Sep 28, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.41%
3 Month Certificate of Deposit - Branch
$0
3.75% ▲ 1.67% above national avg
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.67% above avg
Details

Balance: $500.00

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Sep 28, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
3 Month Regular / IRA
$500
3.50% ▲ 1.42% above national avg
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 1.42% above avg
Details

A penalty may be imposed for early withdrawal. In addition to Sun East's early withdrawal penalty, the Internal Revenue Service may also impose an early withdrawal penalty. IRAs are subject to contribution limits. Visit www.irs.gov for more information. Rates are subject to change without notice.

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Sep 28, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
3 Month Share Certificate
$0
3.50% ▲ 1.42% above national avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 1.42% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
3 Month Certificate of Deposit
$1,000
3.25% ▲ 1.17% above national avg
View
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.17% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 19, 2026: 3.25% APYSep 19, 2026Sep 28, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Month Fixed-Rate CD
$2,500
3.00% ▲ 0.92% above national avg
View
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.92% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Sep 28, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
3 Month Share/IRA Certificate
$500
2.68% ▲ 0.60% above national avg
View
▼
Rate2.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 0.60% above avg
Details

Rate History
No change since Sep 25, 2026 · 2.68% APY
2.18%2.68%3.18%Sep 25, 2026: 2.68% APYSep 25, 2026Sep 28, 2026
Artisans Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
3 Month Fixed Rate Certificate of Deposit (CDs)
$0
2.50% ▲ 0.42% above national avg
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.08%▲ 0.42% above avg
Details

Balance: $1,500

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Sep 28, 2026
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
90 Day Certificate of Deposit OR IRA
$500
2.40% ▲ 0.32% above national avg
View
▼
Rate2.38%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.32% above avg
Details

Rate History
No change since Sep 7, 2026 · 2.40% APY · checked 4 times
1.90%2.40%2.90%Sep 7, 2026: 2.40% APYSep 7, 2026Sep 28, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3 Month Regular (CDs + IRAs)
$500
2.00% ▼ 0.08% below national avg
View
▼
Rate1.99%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 0.08% below avg
Details

Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month Certificate
$0
1.00% ▼ 1.08% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 1.08% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month TD Choice CD
$250
1.00% ▼ 1.08% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 1.08% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Month Certificate
$0
1.00% ▼ 1.08% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 1.08% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Sep 28, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Month TD Choice CD
$250
1.00% ▼ 1.08% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 1.08% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
3-Month Certificate of Deposit
$0
0.70% ▼ 1.38% below national avg
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 1.38% below avg
Details

Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 3 times
0.20%0.70%1.20%Sep 18, 2026: 0.70% APYSep 18, 2026Sep 28, 2026
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
3 Month Share Certificate
$0
0.20% ▼ 1.88% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▼ 1.88% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Sep 28, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
90 Day Fixed Rate Time Deposit/IRA
$500
0.10% ▼ 1.98% below national avg
View
▼
Rate0.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 24, 2026
National Average2.08%▼ 1.98% below avg
Details

Rate History
No change since Sep 11, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 11, 2026: 0.10% APYSep 11, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.02% below national avg
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 2.02% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 0.06% APY
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3 month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.03% below national avg
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 2.03% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Sep 28, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
90 Day Certificate of Deposit
$1,000
0.05% ▼ 2.03% below national avg
View
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 2.03% below avg
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Sep 28, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
90 Day Jumbo Certificate of Deposit
$95,000
0.05% ▼ 2.03% below national avg
View
▼
Rate0.05%
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 2.03% below avg
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Sep 28, 2026

Elsmere 6 Month CD Rates

National 6 Month CD Average2.77% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
6 Month 360 CDs
$0
4.30% ▲ 1.53% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.53% above avg
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Sep 28, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$1,000
4.05% ▲ 1.28% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▲ 1.28% above avg
Details

New Money CDs.

Rate History
No change since Sep 28, 2026 · 4.05% APY
3.55%4.05%4.55%Sep 28, 2026: 4.05% APYSep 28, 2026Sep 28, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month New Money CD
$1,000
4.05% ▲ 1.28% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▲ 1.28% above avg
Details

Exclusively for Premier clients.

Rate History
No change since Sep 28, 2026 · 4.05% APY
3.55%4.05%4.55%Sep 28, 2026: 4.05% APYSep 28, 2026Sep 28, 2026
Artisans Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
6 Month Certificate of Deposit
$0
4.05% ▲ 1.28% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▲ 1.28% above avg
Details

ADD'L DISCLOSURES

Rate History
No change since Sep 16, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Sep 16, 2026: 4.05% APYSep 16, 2026Sep 28, 2026
Artisans Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
6 Month Fixed Rate Certificate of Deposit (CDs)
$0
4.05% ▲ 1.28% above national avg
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▲ 1.28% above avg
Details

Balance: $1,500

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Sep 28, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
6 Month Online CD Terms
$0
4.00% ▲ 1.23% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.23% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Comenity Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.12%
6-month CD
$1,500
4.00% ▲ 1.23% above national avg
View
▼
Rate—
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.23% above avg
Details

Get guaranteed returns for tomorrow with a retirement CD featuring a fixed rate and your choice of term length. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time. A penalty will be imposed for early withdrawals on CDs.

Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Sep 28, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$1,000
4.00% ▲ 1.23% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▲ 1.23% above avg
Details

Online CDs. Only available to existing Premier customers.

Rate History
No change since Sep 28, 2026 · 4.00% APY
3.50%4.00%4.50%Sep 28, 2026: 4.00% APYSep 28, 2026Sep 28, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Online CD
$1,000
4.00% ▲ 1.23% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▲ 1.23% above avg
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Sep 28, 2026
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6 Month Regular And IRA Share Certificates
$0
4.00% ▲ 1.23% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.23% above avg
Details

***

Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
2.70%3.68%4.65%Sep 14, 2026: 3.35% APYSep 25, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20264.00%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
6 Month Share & IRA Certificates
$500
3.75% ▲ 0.98% above national avg
View
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.98% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
6 Month Regular / IRA
$500
3.70% ▲ 0.93% above national avg
View
▼
Rate3.63%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.93% above avg
Details

A penalty may be imposed for early withdrawal. In addition to Sun East's early withdrawal penalty, the Internal Revenue Service may also impose an early withdrawal penalty. IRAs are subject to contribution limits. Visit www.irs.gov for more information. Rates are subject to change without notice.

Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 12, 2026: 3.70% APYSep 12, 2026Sep 28, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
6 Month Youth Certificate
$250
3.70% ▲ 0.93% above national avg
View
▼
Rate3.63%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.93% above avg
Details

A penalty may be imposed for early withdrawal. In addition to Sun East's early withdrawal penalty, the Internal Revenue Service may also impose an early withdrawal penalty. IRAs are subject to contribution limits. Visit www.irs.gov for more information. Rates are subject to change without notice.

Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 12, 2026: 3.70% APYSep 12, 2026Sep 28, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
6 Month Share Certificate
$0
3.70% ▲ 0.93% above national avg
View
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.93% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Sep 28, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.41%
6 Month Certificate of Deposit - Branch
$0
3.65% ▲ 0.88% above national avg
View
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.88% above avg
Details

Balance: $500.00

Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 24, 2026: 3.65% APYSep 24, 2026Sep 28, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
6 Month Jumbo IRA Share Certificates
$0
3.35% ▲ 0.58% above national avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.58% above avg
Details

$25,000

Rate History
No change since Sep 25, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 25, 2026: 3.35% APYSep 25, 2026Sep 28, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
6 Month Jumbo Share Certificates
$0
3.35% ▲ 0.58% above national avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.58% above avg
Details

$25,000

Rate History
No change since Sep 25, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 25, 2026: 3.35% APYSep 25, 2026Sep 28, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
6 Month CD
$0
3.30% ▲ 0.53% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.53% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Sep 28, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
6 Month IRA Share Certificates
$0
3.30% ▲ 0.53% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.53% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.04% → 3.30% ▲ 0.26 pts · high 3.30% / low 3.04%
2.54%3.17%3.80%Sep 14, 2026: 3.04% APYSep 25, 2026: 3.30% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20263.30%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
6 Month Share Certificates
$0
3.30% ▲ 0.53% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.53% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Sep 28, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6 Month CD
$0
3.20% ▲ 0.43% above national avg
View
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▲ 0.43% above avg
Details

Rate History
2 changes since Sep 14, 2026 · 3.29% → 3.20% ▼ 0.09 pts · high 3.29% / low 3.11%
2.61%3.20%3.79%Sep 14, 2026: 3.29% APYSep 20, 2026: 3.11% APYSep 24, 2026: 3.20% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20263.20%▲ from 3.11%
  • Sep 20, 20263.11%▼ from 3.29%
  • Sep 14, 20263.29%first recorded
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
6 Month Fixed-Rate CD
$2,500
3.00% ▲ 0.23% above national avg
View
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.23% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Sep 28, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
6 Month Certificate of Deposit
$1,000
3.00% ▲ 0.23% above national avg
View
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.23% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Sep 28, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
IRA Certificates Fixed - 6 Months
$100
3.00% ▲ 0.23% above national avg
View
▼
Rate2.96%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.23% above avg
Details

Rate History
No change since Sep 8, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 8, 2026: 3.00% APYSep 8, 2026Sep 28, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
6 Month Regular (CDs + IRAs)
$500
3.00% ▲ 0.23% above national avg
View
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.23% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Sep 28, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
6 Month Share/IRA Certificate
$500
2.94% ▲ 0.17% above national avg
View
▼
Rate2.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.17% above avg
Details

Rate History
No change since Sep 25, 2026 · 2.94% APY
2.44%2.94%3.44%Sep 25, 2026: 2.94% APYSep 25, 2026Sep 28, 2026
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$0
1.36% ▼ 1.41% below national avg
View
▼
Rate1.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▼ 1.41% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.36% APY · checked 3 times
0.86%1.36%1.86%Sep 14, 2026: 1.36% APYSep 14, 2026Sep 28, 2026
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificates - 6 Month
$0
1.36% ▼ 1.41% below national avg
View
▼
Rate1.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▼ 1.41% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.36% APY · checked 3 times
0.86%1.36%1.86%Sep 14, 2026: 1.36% APYSep 14, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
6 Month Certificate
$0
1.00% ▼ 1.77% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 1.77% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
6 Month TD Choice CD
$250
1.00% ▼ 1.77% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 1.77% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
6 Month Certificate
$0
1.00% ▼ 1.77% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 1.77% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
6 Month TD Choice CD
$250
1.00% ▼ 1.77% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 1.77% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
6 Month Share Certificate (Jumbo)
$25,000
1.00% ▼ 1.77% below national avg
View
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▼ 1.77% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Sep 28, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
6 Month Share Certificate
$500
0.90% ▼ 1.87% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▼ 1.87% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 4 times
0.40%0.90%1.40%Sep 14, 2026: 0.90% APYSep 14, 2026Sep 28, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
6-Month Certificate of Deposit
$0
0.70% ▼ 2.07% below national avg
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 2.07% below avg
Details

Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 3 times
0.20%0.70%1.20%Sep 18, 2026: 0.70% APYSep 18, 2026Sep 28, 2026
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6 Month Share Certificate
$0
0.25% ▼ 2.52% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▼ 2.52% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Sep 28, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
6 Month Fixed Rate Time Deposit/IRA
$500
0.20% ▼ 2.57% below national avg
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 24, 2026
National Average2.77%▼ 2.57% below avg
Details

Rate History
No change since Sep 11, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Sep 11, 2026: 0.20% APYSep 11, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
6 month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.71% below national avg
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 2.71% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 0.06% APY
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
6 month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.72% below national avg
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 2.72% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 0.05% APY
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Sep 28, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate of Deposit
$1,000
0.05% ▼ 2.72% below national avg
View
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 2.72% below avg
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Sep 28, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Jumbo Certificate of Deposit
$95,000
0.05% ▼ 2.72% below national avg
View
▼
Rate0.05%
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 2.72% below avg
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Sep 28, 2026
edU Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.00%
6 Month Share Certificates
$0
0.01% ▼ 2.76% below national avg
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▼ 2.76% below avg
Details

Rate History
No change since Sep 12, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Sep 12, 2026: 0.01% APYSep 12, 2026Sep 28, 2026

Elsmere 12 Month CD Rates

National 12 Month CD Average2.94% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$1,000
4.35% ▲ 1.41% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 1.41% above avg
Details

New Money CDs.

Rate History
No change since Sep 28, 2026 · 4.35% APY
3.85%4.35%4.85%Sep 28, 2026: 4.35% APYSep 28, 2026Sep 28, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month New Money CD
$1,000
4.35% ▲ 1.41% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 1.41% above avg
Details

Exclusively for Premier clients.

Rate History
No change since Sep 28, 2026 · 4.35% APY
3.85%4.35%4.85%Sep 28, 2026: 4.35% APYSep 28, 2026Sep 28, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
12 Month 360 CDs
$0
4.30% ▲ 1.36% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.36% above avg
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Sep 28, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$1,000
4.30% ▲ 1.36% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 1.36% above avg
Details

Online CDs. Only available to existing Premier customers.

Rate History
No change since Sep 28, 2026 · 4.30% APY
3.80%4.30%4.80%Sep 28, 2026: 4.30% APYSep 28, 2026Sep 28, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Online CD
$1,000
4.30% ▲ 1.36% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 1.36% above avg
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Sep 28, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
12 Month Online CD Terms
$0
4.25% ▲ 1.31% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.31% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Sep 28, 2026
Comenity Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.12%
1-year CD
$1,500
4.25% ▲ 1.31% above national avg
View
▼
Rate—
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.31% above avg
Details

Get guaranteed returns for tomorrow with a retirement CD featuring a fixed rate and your choice of term length. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time. A penalty will be imposed for early withdrawals on CDs.

Rate History
No change since Sep 19, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 19, 2026: 4.25% APYSep 19, 2026Sep 28, 2026
Cecil County School Employees Federal Credit Union
12-Month Certificate
$500
4.20% ▲ 1.26% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.94%▲ 1.26% above avg
Details

Reach your goals faster with only a $500 minimum deposit!

Rate History
No change since Sep 12, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Sep 12, 2026: 4.20% APYSep 12, 2026Sep 28, 2026
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
12 Month Regular And IRA Share Certificates
$0
4.10% ▲ 1.16% above national avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.16% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 4.10% ▲ 0.80 pts · high 4.10% / low 3.30%
2.50%3.70%4.90%Sep 14, 2026: 3.30% APYSep 25, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20264.10%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
1-year online CDs
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

CD rates are fixed upon opening the account. Early withdrawal penalties apply.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
12 Month CD
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
1 Year Business Share Certificates
$500
4.00% ▲ 1.06% above national avg
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
1 Year Share & IRA Certificates
$500
4.00% ▲ 1.06% above national avg
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
12 month Regular / IRA
$500
3.70% ▲ 0.76% above national avg
View
▼
Rate3.63%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.76% above avg
Details

A penalty may be imposed for early withdrawal. In addition to Sun East's early withdrawal penalty, the Internal Revenue Service may also impose an early withdrawal penalty. IRAs are subject to contribution limits. Visit www.irs.gov for more information. Rates are subject to change without notice.

Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 12, 2026: 3.70% APYSep 12, 2026Sep 28, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
12 Month Youth Certificate
$250
3.70% ▲ 0.76% above national avg
View
▼
Rate3.63%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.76% above avg
Details

A penalty may be imposed for early withdrawal. In addition to Sun East's early withdrawal penalty, the Internal Revenue Service may also impose an early withdrawal penalty. IRAs are subject to contribution limits. Visit www.irs.gov for more information. Rates are subject to change without notice.

Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 12, 2026: 3.70% APYSep 12, 2026Sep 28, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
12 Month Share Certificate
$0
3.70% ▲ 0.76% above national avg
View
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.76% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Sep 28, 2026
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
12 Month Certificate of Deposit OR IRA
$100,000
3.60% ▲ 0.66% above national avg
View
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.66% above avg
Details

Rate History
No change since Sep 7, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 7, 2026: 3.60% APYSep 7, 2026Sep 28, 2026
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
12 Month Certificate of Deposit OR IRA
$500
3.55% ▲ 0.61% above national avg
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.61% above avg
Details

Rate History
No change since Sep 7, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 7, 2026: 3.55% APYSep 7, 2026Sep 28, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
12 Month Jumbo IRA Share Certificates
$0
3.51% ▲ 0.57% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.57% above avg
Details

$25,000

Rate History
No change since Sep 25, 2026 · 3.51% APY
3.01%3.51%4.01%Sep 25, 2026: 3.51% APYSep 25, 2026Sep 28, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
12 Month Jumbo Share Certificates
$0
3.51% ▲ 0.57% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.57% above avg
Details

$25,000

Rate History
No change since Sep 25, 2026 · 3.51% APY
3.01%3.51%4.01%Sep 25, 2026: 3.51% APYSep 25, 2026Sep 28, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.41%
12 Month Certificate of Deposit - Branch
$0
3.50% ▲ 0.56% above national avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.56% above avg
Details

Balance: $500.00

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Sep 28, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
12 Month IRA Share Certificates
$0
3.46% ▲ 0.52% above national avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.52% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.46% ▲ 0.01 pts · high 3.46% / low 3.45%
2.95%3.46%3.96%Sep 14, 2026: 3.45% APYSep 25, 2026: 3.46% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20263.46%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
12 Month Share Certificates
$0
3.46% ▲ 0.52% above national avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.52% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.46% ▲ 0.01 pts · high 3.46% / low 3.45%
2.95%3.46%3.96%Sep 14, 2026: 3.45% APYSep 25, 2026: 3.46% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20263.46%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
12 Month CD
$0
3.40% ▲ 0.46% above national avg
View
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 0.46% above avg
Details

Rate History
2 changes since Sep 14, 2026 · 3.46% → 3.40% ▼ 0.06 pts · high 3.46% / low 3.34%
2.84%3.40%3.96%Sep 14, 2026: 3.46% APYSep 20, 2026: 3.34% APYSep 24, 2026: 3.40% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20263.40%▲ from 3.34%
  • Sep 20, 20263.34%▼ from 3.46%
  • Sep 14, 20263.46%first recorded
Citizens Access
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 Year Online CD
$0
3.25% ▲ 0.31% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.31% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Sep 28, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
12 Month Regular (CDs + IRAs)
$500
3.25% ▲ 0.31% above national avg
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.31% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Sep 28, 2026
Artisans Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
12 Month Fixed Rate Certificate of Deposit (CDs)
$0
3.15% ▲ 0.21% above national avg
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 0.21% above avg
Details

Balance: $1,500

Rate History
No change since Sep 24, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Sep 24, 2026: 3.15% APYSep 24, 2026Sep 28, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
12 Month Share/IRA Certificate
$500
3.04% ▲ 0.10% above national avg
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.10% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.04% APY
2.54%3.04%3.54%Sep 25, 2026: 3.04% APYSep 25, 2026Sep 28, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
Share Certificate (12-Month)
$0
3.01% ▲ 0.07% above national avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.07% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.01% APY · checked 2 times
2.51%3.01%3.51%Sep 21, 2026: 3.01% APYSep 21, 2026Sep 28, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
IRA Certificates Fixed - 12 Months
$100
3.00% ▲ 0.06% above national avg
View
▼
Rate2.96%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.06% above avg
Details

Rate History
No change since Sep 8, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 8, 2026: 3.00% APYSep 8, 2026Sep 28, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
12 Month Fixed-Rate CD
$2,500
2.75% ▼ 0.19% below national avg
View
▼
Rate2.71%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 0.19% below avg
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Sep 28, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
12 Month Certificate of Deposit
$1,000
2.75% ▼ 0.19% below national avg
View
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 0.19% below avg
Details

Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Sep 19, 2026: 2.75% APYSep 19, 2026Sep 28, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
IRA Certificate - 1-Year
$0
2.71% ▼ 0.23% below national avg
View
▼
Rate2.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▼ 0.23% below avg
Details

Rate History
No change since Sep 21, 2026 · 2.71% APY · checked 2 times
2.21%2.71%3.21%Sep 21, 2026: 2.71% APYSep 21, 2026Sep 28, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
12 Month Certificate
$200
2.00% ▼ 0.94% below national avg
View
▼
Rate2.00%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 0.94% below avg
Details

Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Sep 28, 2026
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
12 Months Certificate of Deposit (CDs)
$500
2.00% ▼ 0.94% below national avg
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 0.94% below avg
Details

Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Sep 28, 2026
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate
$0
1.76% ▼ 1.18% below national avg
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▼ 1.18% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 3 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Sep 28, 2026
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificates - 12 Months
$0
1.76% ▼ 1.18% below national avg
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▼ 1.18% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 3 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1 year Standard Fixed Rate CD - Relationship
$2,500
1.51% ▼ 1.43% below national avg
View
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 1.43% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 1.51% APY
1.01%1.51%2.01%Sep 27, 2026: 1.51% APYSep 27, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1 year Standard Fixed Rate CD
$2,500
1.50% ▼ 1.44% below national avg
View
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 1.44% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 1.50% APY
1.00%1.50%2.00%Sep 27, 2026: 1.50% APYSep 27, 2026Sep 28, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
12 Month IRA Share Certificate
$500
1.25% ▼ 1.69% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▼ 1.69% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 4 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Sep 28, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
12 Month Share Certificate (Jumbo)
$25,000
1.25% ▼ 1.69% below national avg
View
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▼ 1.69% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 4 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Sep 28, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
12 Month Share Certificate
$500
1.15% ▼ 1.79% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▼ 1.79% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 4 times
0.65%1.15%1.65%Sep 14, 2026: 1.15% APYSep 14, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
12 Month Certificate
$0
1.00% ▼ 1.94% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 1.94% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
12 Month TD Choice CD
$250
1.00% ▼ 1.94% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 1.94% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
12 Month Certificate
$0
1.00% ▼ 1.94% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 1.94% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Sep 28, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
12 Month TD Choice CD
$250
1.00% ▼ 1.94% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 1.94% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
12-Month Certificate of Deposit
$0
0.70% ▼ 2.24% below national avg
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 2.24% below avg
Details

Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 3 times
0.20%0.70%1.20%Sep 18, 2026: 0.70% APYSep 18, 2026Sep 28, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
12-Month Variable Rate Certificate of Deposit
$0
0.70% ▼ 2.24% below national avg
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 2.24% below avg
Details

Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 3 times
0.20%0.70%1.20%Sep 18, 2026: 0.70% APYSep 18, 2026Sep 28, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
12 Month Fixed Rate Time Deposit/IRA
$500
0.30% ▼ 2.64% below national avg
View
▼
Rate0.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 24, 2026
National Average2.94%▼ 2.64% below avg
Details

Rate History
No change since Sep 11, 2026 · 0.30% APY · checked 3 times
0.00%0.40%0.80%Sep 11, 2026: 0.30% APYSep 11, 2026Sep 28, 2026
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
12 Month IRA Share Certificate
$0
0.30% ▼ 2.64% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▼ 2.64% below avg
Details

Rate History
No change since Sep 21, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Sep 21, 2026: 0.30% APYSep 21, 2026Sep 28, 2026

Elsmere 18 Month CD Rates

National 18 Month CD Average2.82% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
1309 Kirkwood Hwy, Elsmere, DE 19805
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 1.03% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.03% above avg
Details

Requires a qualifying checking account.

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
1309 Kirkwood Hwy, Elsmere, DE 19805
18-Month M&T Select CD
$0
3.85% ▲ 1.03% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.03% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
18 Month 360 CDs
$0
4.30% ▲ 1.48% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.48% above avg
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Sep 28, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
18 Month Share Certificate
$0
4.00% ▲ 1.18% above national avg
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.18% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
18 Month CD
$0
3.60% ▲ 0.78% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.78% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Sep 28, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
18 Month CD
$0
3.56% ▲ 0.74% above national avg
View
▼
Rate3.51%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▲ 0.74% above avg
Details

Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.56% ▲ 0.01 pts · high 3.56% / low 3.46%
2.96%3.51%4.06%Sep 14, 2026: 3.55% APYSep 20, 2026: 3.46% APYSep 24, 2026: 3.56% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20263.56%▲ from 3.46%
  • Sep 20, 20263.46%▼ from 3.55%
  • Sep 14, 20263.55%first recorded
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.41%
18 Month Certificate of Deposit - Branch
$0
3.50% ▲ 0.68% above national avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.68% above avg
Details

Balance: $500.00

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Sep 28, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
18 Month Regular / IRA
$500
3.50% ▲ 0.68% above national avg
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.68% above avg
Details

A penalty may be imposed for early withdrawal. In addition to Sun East's early withdrawal penalty, the Internal Revenue Service may also impose an early withdrawal penalty. IRAs are subject to contribution limits. Visit www.irs.gov for more information. Rates are subject to change without notice.

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Sep 28, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
18 Month Jumbo IRA Share Certificates
$0
3.46% ▲ 0.64% above national avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.64% above avg
Details

$25,000

Rate History
No change since Sep 25, 2026 · 3.46% APY
2.96%3.46%3.96%Sep 25, 2026: 3.46% APYSep 25, 2026Sep 28, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
18 Month Jumbo Share Certificates
$0
3.46% ▲ 0.64% above national avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.64% above avg
Details

$25,000

Rate History
No change since Sep 25, 2026 · 3.46% APY
2.96%3.46%3.96%Sep 25, 2026: 3.46% APYSep 25, 2026Sep 28, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
18 Month IRA Share Certificates
$0
3.41% ▲ 0.59% above national avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.59% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.41% APY · checked 3 times
2.91%3.41%3.91%Sep 14, 2026: 3.41% APYSep 14, 2026Sep 28, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
18 Month Share Certificates
$0
3.41% ▲ 0.59% above national avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.59% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.41% APY · checked 4 times
2.91%3.41%3.91%Sep 14, 2026: 3.41% APYSep 14, 2026Sep 28, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
18 Month Regular (CDs + IRAs)
$500
3.25% ▲ 0.43% above national avg
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.43% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Sep 28, 2026
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
18 Month Certificate of Deposit OR IRA
$500
3.20% ▲ 0.38% above national avg
View
▼
Rate3.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.38% above avg
Details

Rate History
No change since Sep 7, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 7, 2026: 3.20% APYSep 7, 2026Sep 28, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
18 Month Share/IRA Certificate
$500
3.14% ▲ 0.32% above national avg
View
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.32% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.14% APY
2.64%3.14%3.64%Sep 25, 2026: 3.14% APYSep 25, 2026Sep 28, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
18 Month Online CD Terms
$0
3.00% ▲ 0.18% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.18% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Sep 28, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Rising Rate (CDs + IRAs) - 18 Months
$500
3.00% ▲ 0.18% above national avg
View
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.18% above avg
Details

Minimum to Open for IRAs: $250

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Sep 28, 2026
Artisans Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
18 Month Fixed Rate Certificate of Deposit (CDs)
$0
2.90% ▲ 0.08% above national avg
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▲ 0.08% above avg
Details

Balance: $1,500

Rate History
No change since Sep 24, 2026 · 2.90% APY · checked 2 times
2.40%2.90%3.40%Sep 24, 2026: 2.90% APYSep 24, 2026Sep 28, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
IRA Certificates Fixed - 18 Months
$100
2.89% ▲ 0.07% above national avg
View
▼
Rate2.85%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.07% above avg
Details

Rate History
No change since Sep 8, 2026 · 2.89% APY · checked 4 times
2.39%2.89%3.39%Sep 8, 2026: 2.89% APYSep 8, 2026Sep 28, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
18 Month Certificate of Deposit
$1,000
2.73% ▼ 0.09% below national avg
View
▼
Rate2.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 0.09% below avg
Details

Rate History
No change since Sep 19, 2026 · 2.73% APY · checked 3 times
2.23%2.73%3.23%Sep 19, 2026: 2.73% APYSep 19, 2026Sep 28, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
18 Month Fixed-Rate CD
$2,500
2.50% ▼ 0.32% below national avg
View
▼
Rate2.47%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 0.32% below avg
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Sep 28, 2026
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
18 Months Certificate of Deposit (CDs)
$500
2.00% ▼ 0.82% below national avg
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 0.82% below avg
Details

Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
18 Month Certificate
$0
1.00% ▼ 1.82% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 1.82% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
18 Month TD Choice CD
$250
1.00% ▼ 1.82% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 1.82% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
18 Month Certificate
$0
1.00% ▼ 1.82% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 1.82% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
18 Month TD Choice CD
$250
1.00% ▼ 1.82% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 1.82% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
18-Month Certificate of Deposit
$0
0.95% ▼ 1.87% below national avg
View
▼
Rate0.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 1.87% below avg
Details

Rate History
No change since Sep 18, 2026 · 0.95% APY · checked 3 times
0.45%0.95%1.45%Sep 18, 2026: 0.95% APYSep 18, 2026Sep 28, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
18 Month Fixed Rate Time Deposit/IRA
$500
0.40% ▼ 2.42% below national avg
View
▼
Rate0.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 24, 2026
National Average2.82%▼ 2.42% below avg
Details

Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 3 times
0.00%0.45%0.90%Sep 11, 2026: 0.40% APYSep 11, 2026Sep 28, 2026
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
18 Month CD
$100
0.15% ▼ 2.67% below national avg
View
▼
Rate0.15%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▼ 2.67% below avg
Details

Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Sep 28, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate of Deposit
$1,000
0.05% ▼ 2.77% below national avg
View
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 2.77% below avg
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Sep 28, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Jumbo Certificate of Deposit
$95,000
0.05% ▼ 2.77% below national avg
View
▼
Rate0.05%
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 2.77% below avg
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Sep 28, 2026

Elsmere 24 Month CD Rates

National 24 Month CD Average2.84% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$1,000
4.45% ▲ 1.61% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 1.61% above avg
Details

New Money CDs.

Rate History
No change since Sep 28, 2026 · 4.45% APY
3.95%4.45%4.95%Sep 28, 2026: 4.45% APYSep 28, 2026Sep 28, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month New Money CD
$1,000
4.45% ▲ 1.61% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 1.61% above avg
Details

Exclusively for Premier clients.

Rate History
No change since Sep 28, 2026 · 4.45% APY
3.95%4.45%4.95%Sep 28, 2026: 4.45% APYSep 28, 2026Sep 28, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$1,000
4.40% ▲ 1.56% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 1.56% above avg
Details

Online CDs. Only available to existing Premier customers.

Rate History
No change since Sep 28, 2026 · 4.40% APY
3.90%4.40%4.90%Sep 28, 2026: 4.40% APYSep 28, 2026Sep 28, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Online CD
$1,000
4.40% ▲ 1.56% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 1.56% above avg
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Sep 28, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
24 Month Online CD Terms
$0
4.35% ▲ 1.51% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.51% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Sep 28, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
24 Month 360 CDs
$0
4.30% ▲ 1.46% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.46% above avg
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Sep 28, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
24 Month CD
$0
3.62% ▲ 0.78% above national avg
View
▼
Rate3.57%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 0.78% above avg
Details

Rate History
2 changes since Sep 14, 2026 · 3.62% → 3.62% ▼ 0.00 pts · high 3.62% / low 3.54%
3.04%3.58%4.12%Sep 14, 2026: 3.62% APYSep 20, 2026: 3.54% APYSep 24, 2026: 3.62% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20263.62%▲ from 3.54%
  • Sep 20, 20263.54%▼ from 3.62%
  • Sep 14, 20263.62%first recorded
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
24 Month Share Certificate
$0
3.60% ▲ 0.76% above national avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.76% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Sep 28, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
24 Month CD
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.66% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.41%
24 Month Certificate of Deposit - Branch
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.66% above avg
Details

Balance: $500.00

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Sep 28, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
24 Month Regular (CDs + IRAs)
$500
3.50% ▲ 0.66% above national avg
View
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.66% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Sep 28, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
24 Month Regular / IRA
$500
3.40% ▲ 0.56% above national avg
View
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.56% above avg
Details

A penalty may be imposed for early withdrawal. In addition to Sun East's early withdrawal penalty, the Internal Revenue Service may also impose an early withdrawal penalty. IRAs are subject to contribution limits. Visit www.irs.gov for more information. Rates are subject to change without notice.

Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 12, 2026: 3.40% APYSep 12, 2026Sep 28, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
24 Month Share Certificate
$0
3.35% ▲ 0.51% above national avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.51% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Sep 28, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Rising Rate (CDs + IRAs) - 24 Months
$10,000
3.25% ▲ 0.41% above national avg
View
▼
Rate3.21%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.41% above avg
Details

Minimum to Open for IRAs: $10,000.00

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Sep 28, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
24 Month Share/IRA Certificate
$500
3.20% ▲ 0.36% above national avg
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.36% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.20% APY
2.70%3.20%3.70%Sep 25, 2026: 3.20% APYSep 25, 2026Sep 28, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
24 Month Jumbo IRA Share Certificates
$0
3.20% ▲ 0.36% above national avg
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.36% above avg
Details

$25,000

Rate History
No change since Sep 25, 2026 · 3.20% APY
2.70%3.20%3.70%Sep 25, 2026: 3.20% APYSep 25, 2026Sep 28, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
24 Month Jumbo Share Certificates
$0
3.20% ▲ 0.36% above national avg
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.36% above avg
Details

$25,000

Rate History
No change since Sep 25, 2026 · 3.20% APY
2.70%3.20%3.70%Sep 25, 2026: 3.20% APYSep 25, 2026Sep 28, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
24 Month IRA Share Certificates
$0
3.15% ▲ 0.31% above national avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.31% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 3 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Sep 28, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
24 Month Share Certificates
$0
3.15% ▲ 0.31% above national avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.31% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 4 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Sep 28, 2026
Citizens Access
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2 Year Online CD
$0
3.00% ▲ 0.16% above national avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.16% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Sep 28, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
Share Certificate (24-Month)
$0
2.86% ▲ 0.02% above national avg
View
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.02% above avg
Details

Rate History
No change since Sep 21, 2026 · 2.86% APY · checked 2 times
2.36%2.86%3.36%Sep 21, 2026: 2.86% APYSep 21, 2026Sep 28, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
IRA Certificates Fixed - 24 Months
$100
2.84% At national avg
View
▼
Rate2.80%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%At the average
Details

Rate History
No change since Sep 8, 2026 · 2.84% APY · checked 4 times
2.34%2.84%3.34%Sep 8, 2026: 2.84% APYSep 8, 2026Sep 28, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
IRA Certificate - 2-Year
$0
2.76% ▼ 0.08% below national avg
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 0.08% below avg
Details

Rate History
No change since Sep 21, 2026 · 2.76% APY · checked 2 times
2.26%2.76%3.26%Sep 21, 2026: 2.76% APYSep 21, 2026Sep 28, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
24 Month Certificate of Deposit
$1,000
2.68% ▼ 0.16% below national avg
View
▼
Rate2.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 0.16% below avg
Details

Rate History
No change since Sep 19, 2026 · 2.68% APY · checked 3 times
2.18%2.68%3.18%Sep 19, 2026: 2.68% APYSep 19, 2026Sep 28, 2026
Artisans Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
24 Month Fixed Rate Certificate of Deposit (CDs)
$0
2.50% ▼ 0.34% below national avg
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▼ 0.34% below avg
Details

Balance: $1,500

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Sep 28, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
2 Year Business Share Certificates
$500
2.50% ▼ 0.34% below national avg
View
▼
Rate2.48%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 0.34% below avg
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Sep 28, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
2 Year Share & IRA Certificates
$500
2.50% ▼ 0.34% below national avg
View
▼
Rate2.48%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 0.34% below avg
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Sep 28, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
24 Month IRA Share Certificate
$500
1.76% ▼ 1.08% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 1.08% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 4 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Sep 28, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
24 Month Share Certificate (Jumbo)
$25,000
1.76% ▼ 1.08% below national avg
View
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 1.08% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 4 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Sep 28, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
24 Month Share Certificate
$500
1.66% ▼ 1.18% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 1.18% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.66% APY · checked 4 times
1.16%1.66%2.16%Sep 14, 2026: 1.66% APYSep 14, 2026Sep 28, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
24 Month Fixed-Rate CD
$2,500
1.50% ▼ 1.34% below national avg
View
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.34% below avg
Details

Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Sep 24, 2026: 1.50% APYSep 24, 2026Sep 28, 2026
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificates - 24 Months
$0
1.06% ▼ 1.78% below national avg
View
▼
Rate1.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 1.78% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.06% APY · checked 3 times
0.56%1.06%1.56%Sep 14, 2026: 1.06% APYSep 14, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
24 Month Certificate
$0
1.00% ▼ 1.84% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.84% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
24 Month TD Choice CD
$250
1.00% ▼ 1.84% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.84% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
24 Month Certificate
$0
1.00% ▼ 1.84% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.84% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Sep 28, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
24 Month TD Choice CD
$250
1.00% ▼ 1.84% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.84% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
24-Month Certificate of Deposit
$0
0.95% ▼ 1.89% below national avg
View
▼
Rate0.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.89% below avg
Details

Rate History
No change since Sep 18, 2026 · 0.95% APY · checked 3 times
0.45%0.95%1.45%Sep 18, 2026: 0.95% APYSep 18, 2026Sep 28, 2026
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate
$0
0.50% ▼ 2.34% below national avg
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 2.34% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Sep 28, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
24 Month Fixed Rate Time Deposit/IRA
$500
0.40% ▼ 2.44% below national avg
View
▼
Rate0.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 24, 2026
National Average2.84%▼ 2.44% below avg
Details

Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 3 times
0.00%0.45%0.90%Sep 11, 2026: 0.40% APYSep 11, 2026Sep 28, 2026
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24 Month IRA Share Certificate
$0
0.40% ▼ 2.44% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 2.44% below avg
Details

Rate History
No change since Sep 21, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Sep 21, 2026: 0.40% APYSep 21, 2026Sep 28, 2026
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24 Month Share Certificate
$0
0.40% ▼ 2.44% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 2.44% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 3 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Sep 28, 2026
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
24 Month CD
$100
0.20% ▼ 2.64% below national avg
View
▼
Rate0.20%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 2.64% below avg
Details

Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Sep 18, 2026: 0.20% APYSep 18, 2026Sep 28, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate of Deposit
$1,000
0.05% ▼ 2.79% below national avg
View
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 2.79% below avg
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Sep 28, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Jumbo Certificate of Deposit
$95,000
0.05% ▼ 2.79% below national avg
View
▼
Rate0.05%
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 2.79% below avg
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Sep 28, 2026

Elsmere 36 Month CD Rates

National 36 Month CD Average2.76% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
36 Month 360 CDs
$0
4.30% ▲ 1.54% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.54% above avg
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Sep 28, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
36 Month CD
$0
3.71% ▲ 0.95% above national avg
View
▼
Rate3.66%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.76%▲ 0.95% above avg
Details

Rate History
2 changes since Sep 14, 2026 · 3.71% → 3.71% ▼ 0.00 pts · high 3.71% / low 3.67%
3.17%3.69%4.21%Sep 14, 2026: 3.71% APYSep 20, 2026: 3.67% APYSep 24, 2026: 3.71% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20263.71%▲ from 3.67%
  • Sep 20, 20263.67%▼ from 3.71%
  • Sep 14, 20263.71%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
36 Month CD
$0
3.50% ▲ 0.74% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.74% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.41%
36 Month Certificate of Deposit - Branch
$0
3.50% ▲ 0.74% above national avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.74% above avg
Details

Balance: $500.00

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Sep 28, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
36 Month Regular (CDs + IRAs)
$500
3.50% ▲ 0.74% above national avg
View
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.74% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Sep 28, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
36 Month Regular / IRA
$500
3.40% ▲ 0.64% above national avg
View
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.64% above avg
Details

A penalty may be imposed for early withdrawal. In addition to Sun East's early withdrawal penalty, the Internal Revenue Service may also impose an early withdrawal penalty. IRAs are subject to contribution limits. Visit www.irs.gov for more information. Rates are subject to change without notice.

Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 12, 2026: 3.40% APYSep 12, 2026Sep 28, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
36 Month Share Certificate
$0
3.40% ▲ 0.64% above national avg
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.64% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Sep 28, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
Certificate of Deposit Promo - 36-Month Bump Up
$0
3.20% ▲ 0.44% above national avg
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.44% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Sep 28, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
36 Month Share/IRA Certificate
$500
3.20% ▲ 0.44% above national avg
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.44% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.20% APY
2.70%3.20%3.70%Sep 25, 2026: 3.20% APYSep 25, 2026Sep 28, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
Share Certificate (36-Month)
$0
3.06% ▲ 0.30% above national avg
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.30% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.06% APY · checked 2 times
2.56%3.06%3.56%Sep 21, 2026: 3.06% APYSep 21, 2026Sep 28, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
IRA Certificate - 3-Year
$0
2.86% ▲ 0.10% above national avg
View
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.10% above avg
Details

Rate History
No change since Sep 21, 2026 · 2.86% APY · checked 2 times
2.36%2.86%3.36%Sep 21, 2026: 2.86% APYSep 21, 2026Sep 28, 2026
Citizens Access
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3 Year Online CD
$0
2.75% ▼ 0.01% below national avg
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 0.01% below avg
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Sep 28, 2026
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
36 Month Regular And IRA Share Certificates
$0
2.52% ▼ 0.24% below national avg
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▼ 0.24% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 4 times
2.02%2.52%3.02%Sep 14, 2026: 2.52% APYSep 14, 2026Sep 28, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
36 Month Online CD Terms
$0
2.50% ▼ 0.26% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 0.26% below avg
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Sep 28, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
3 Year Business Share Certificates
$500
2.25% ▼ 0.51% below national avg
View
▼
Rate2.23%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▼ 0.51% below avg
Details

Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 3 times
1.75%2.25%2.75%Sep 18, 2026: 2.25% APYSep 18, 2026Sep 28, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
3 Year Share & IRA Certificates
$500
2.25% ▼ 0.51% below national avg
View
▼
Rate2.23%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▼ 0.51% below avg
Details

Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 3 times
1.75%2.25%2.75%Sep 18, 2026: 2.25% APYSep 18, 2026Sep 28, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
36 Month IRA Share Certificate
$500
2.01% ▼ 0.75% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▼ 0.75% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.01% APY · checked 4 times
1.51%2.01%2.51%Sep 14, 2026: 2.01% APYSep 14, 2026Sep 28, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
36 Month Share Certificate (Jumbo)
$25,000
2.01% ▼ 0.75% below national avg
View
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▼ 0.75% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.01% APY · checked 4 times
1.51%2.01%2.51%Sep 14, 2026: 2.01% APYSep 14, 2026Sep 28, 2026
Artisans Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
36 Month Fixed Rate Certificate of Deposit (CDs)
$0
2.00% ▼ 0.76% below national avg
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.76%▼ 0.76% below avg
Details

Balance: $1,500

Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Sep 28, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
36 Month Share Certificate
$500
1.91% ▼ 0.85% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▼ 0.85% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.91% APY · checked 4 times
1.41%1.91%2.41%Sep 14, 2026: 1.91% APYSep 14, 2026Sep 28, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
36-Month Certificate of Deposit
$0
1.01% ▼ 1.75% below national avg
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 1.75% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 3 times
0.51%1.01%1.51%Sep 18, 2026: 1.01% APYSep 18, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Year Certificate
$0
1.00% ▼ 1.76% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 1.76% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Year TD Choice CD
$250
1.00% ▼ 1.76% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 1.76% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
36 Month Fixed-Rate CD
$2,500
1.00% ▼ 1.76% below national avg
View
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 1.76% below avg
Details

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Year Certificate
$0
1.00% ▼ 1.76% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 1.76% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Year TD Choice CD
$250
1.00% ▼ 1.76% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 1.76% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
36 Month Fixed Rate Time Deposit/IRA
$500
0.40% ▼ 2.36% below national avg
View
▼
Rate0.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 24, 2026
National Average2.76%▼ 2.36% below avg
Details

Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 3 times
0.00%0.45%0.90%Sep 11, 2026: 0.40% APYSep 11, 2026Sep 28, 2026
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
36 Month CD
$100
0.25% ▼ 2.51% below national avg
View
▼
Rate0.25%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 2.51% below avg
Details

Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Sep 18, 2026: 0.25% APYSep 18, 2026Sep 28, 2026
edU Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.00%
3 Year Share Certificates
$0
0.10% ▼ 2.66% below national avg
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▼ 2.66% below avg
Details

Rate History
No change since Sep 12, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Sep 12, 2026: 0.10% APYSep 12, 2026Sep 28, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate of Deposit
$1,000
0.05% ▼ 2.71% below national avg
View
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 2.71% below avg
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Sep 28, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Jumbo Certificate of Deposit
$95,000
0.05% ▼ 2.71% below national avg
View
▼
Rate0.05%
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 2.71% below avg
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Sep 28, 2026

Elsmere 48 Month CD Rates

National 48 Month CD Average2.75% APY▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
48 Month 360 CDs
$0
4.30% ▲ 1.55% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.55% above avg
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Sep 28, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
48 Month CD
$0
3.74% ▲ 0.99% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.75%▲ 0.99% above avg
Details

Rate History
2 changes since Sep 14, 2026 · 3.79% → 3.74% ▼ 0.05 pts · high 3.79% / low 3.71%
3.21%3.75%4.29%Sep 14, 2026: 3.79% APYSep 20, 2026: 3.71% APYSep 24, 2026: 3.74% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20263.74%▲ from 3.71%
  • Sep 20, 20263.71%▼ from 3.79%
  • Sep 14, 20263.79%first recorded
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.41%
48 Month Certificate of Deposit - Branch
$0
3.60% ▲ 0.85% above national avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.85% above avg
Details

Balance: $500.00

Rate History
No change since Sep 24, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 24, 2026: 3.60% APYSep 24, 2026Sep 28, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
48 Month CD
$0
3.50% ▲ 0.75% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.75% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
48 Month Regular / IRA
$500
3.40% ▲ 0.65% above national avg
View
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.65% above avg
Details

A penalty may be imposed for early withdrawal. In addition to Sun East's early withdrawal penalty, the Internal Revenue Service may also impose an early withdrawal penalty. IRAs are subject to contribution limits. Visit www.irs.gov for more information. Rates are subject to change without notice.

Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 12, 2026: 3.40% APYSep 12, 2026Sep 28, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
48 Month Share Certificate
$0
3.40% ▲ 0.65% above national avg
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.65% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Sep 28, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
48 Month Share/IRA Certificate
$500
3.30% ▲ 0.55% above national avg
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.55% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.30% APY
2.80%3.30%3.80%Sep 25, 2026: 3.30% APYSep 25, 2026Sep 28, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
Share Certificate (48-Month)
$0
3.11% ▲ 0.36% above national avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.36% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.11% APY · checked 2 times
2.61%3.11%3.61%Sep 21, 2026: 3.11% APYSep 21, 2026Sep 28, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
IRA Certificate - 4-Year
$0
2.86% ▲ 0.11% above national avg
View
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.11% above avg
Details

Rate History
No change since Sep 21, 2026 · 2.86% APY · checked 2 times
2.36%2.86%3.36%Sep 21, 2026: 2.86% APYSep 21, 2026Sep 28, 2026
Citizens Access
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4 Year Online CD
$0
2.75% At national avg
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%At the average
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Sep 28, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
48 Month Regular (CDs + IRAs)
$500
2.75% At national avg
View
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%At the average
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Sep 28, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
48 Month Online CD Terms
$0
2.50% ▼ 0.25% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▼ 0.25% below avg
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Sep 28, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
48 Month IRA Share Certificate
$500
2.27% ▼ 0.48% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▼ 0.48% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 4 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Sep 28, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
48 Month Share Certificate (Jumbo)
$25,000
2.27% ▼ 0.48% below national avg
View
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▼ 0.48% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 4 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Sep 28, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
4 Year Business Share Certificates
$500
2.25% ▼ 0.50% below national avg
View
▼
Rate2.23%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▼ 0.50% below avg
Details

Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 3 times
1.75%2.25%2.75%Sep 18, 2026: 2.25% APYSep 18, 2026Sep 28, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
4 Year Share & IRA Certificates
$500
2.25% ▼ 0.50% below national avg
View
▼
Rate2.23%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▼ 0.50% below avg
Details

Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 3 times
1.75%2.25%2.75%Sep 18, 2026: 2.25% APYSep 18, 2026Sep 28, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
48 Month Share Certificate
$500
2.17% ▼ 0.58% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▼ 0.58% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.17% APY · checked 4 times
1.67%2.17%2.67%Sep 14, 2026: 2.17% APYSep 14, 2026Sep 28, 2026
Artisans Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
48 Month Fixed Rate Certificate of Deposit (CDs)
$0
2.00% ▼ 0.75% below national avg
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.75%▼ 0.75% below avg
Details

Balance: $1,500

Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Sep 28, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
48-Month Certificate of Deposit
$0
1.01% ▼ 1.74% below national avg
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▼ 1.74% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 3 times
0.51%1.01%1.51%Sep 18, 2026: 1.01% APYSep 18, 2026Sep 28, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
48 Month Fixed-Rate CD
$2,500
0.75% ▼ 2.00% below national avg
View
▼
Rate0.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▼ 2.00% below avg
Details

Rate History
No change since Sep 24, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Sep 24, 2026: 0.75% APYSep 24, 2026Sep 28, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
48 Month Fixed Rate Time Deposit/IRA
$500
0.40% ▼ 2.35% below national avg
View
▼
Rate0.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 24, 2026
National Average2.75%▼ 2.35% below avg
Details

Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 3 times
0.00%0.45%0.90%Sep 11, 2026: 0.40% APYSep 11, 2026Sep 28, 2026
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
48 Month CD
$100
0.30% ▼ 2.45% below national avg
View
▼
Rate0.30%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▼ 2.45% below avg
Details

Rate History
No change since Sep 18, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Sep 18, 2026: 0.30% APYSep 18, 2026Sep 28, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate of Deposit
$1,000
0.05% ▼ 2.70% below national avg
View
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▼ 2.70% below avg
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Sep 28, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Jumbo Certificate of Deposit
$95,000
0.05% ▼ 2.70% below national avg
View
▼
Rate0.05%
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▼ 2.70% below avg
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Sep 28, 2026

Elsmere 60 Month CD Rates

National 60 Month CD Average2.84% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
60 Month 360 CDs
$0
4.30% ▲ 1.46% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.46% above avg
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Sep 28, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
60 Month Online CD Terms
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.41% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Sep 28, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
60 Month CD
$0
3.73% ▲ 0.89% above national avg
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 0.89% above avg
Details

Rate History
2 changes since Sep 14, 2026 · 3.83% → 3.73% ▼ 0.10 pts · high 3.83% / low 3.73%
3.23%3.78%4.33%Sep 14, 2026: 3.83% APYSep 20, 2026: 3.74% APYSep 24, 2026: 3.73% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20263.73%▼ from 3.74%
  • Sep 20, 20263.74%▼ from 3.83%
  • Sep 14, 20263.83%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
5-year online CDs
$0
3.60% ▲ 0.76% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.76% above avg
Details

CD rates are fixed upon opening the account. Early withdrawal penalties apply.

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Sep 28, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
60 Month CD
$0
3.60% ▲ 0.76% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.76% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Sep 28, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
60 Month Share/IRA Certificate
$500
3.45% ▲ 0.61% above national avg
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.61% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 25, 2026: 3.45% APYSep 25, 2026Sep 28, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
60 Month Regular / IRA
$500
3.40% ▲ 0.56% above national avg
View
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.56% above avg
Details

A penalty may be imposed for early withdrawal. In addition to Sun East's early withdrawal penalty, the Internal Revenue Service may also impose an early withdrawal penalty. IRAs are subject to contribution limits. Visit www.irs.gov for more information. Rates are subject to change without notice.

Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 12, 2026: 3.40% APYSep 12, 2026Sep 28, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
60 Month Share Certificate
$0
3.40% ▲ 0.56% above national avg
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.56% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Sep 28, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
IRA Certificate - 5-Year
$0
3.01% ▲ 0.17% above national avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.17% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.01% APY · checked 2 times
2.51%3.01%3.51%Sep 21, 2026: 3.01% APYSep 21, 2026Sep 28, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
60 Month Regular (CDs + IRAs)
$500
3.00% ▲ 0.16% above national avg
View
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.16% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Sep 28, 2026
Citizens Access
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5 Year Online CD
$0
2.75% ▼ 0.09% below national avg
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 0.09% below avg
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Sep 28, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
60 Month IRA Share Certificate
$500
2.52% ▼ 0.32% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 0.32% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 4 times
2.02%2.52%3.02%Sep 14, 2026: 2.52% APYSep 14, 2026Sep 28, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
60 Month Share Certificate (Jumbo)
$25,000
2.52% ▼ 0.32% below national avg
View
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 0.32% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 4 times
2.02%2.52%3.02%Sep 14, 2026: 2.52% APYSep 14, 2026Sep 28, 2026
Shore United Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
60 Month CD
$500
2.50% ▼ 0.34% below national avg
View
▼
Rate2.47%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 0.34% below avg
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Sep 28, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Rising Rate (CDs + IRAs) - 60 Months
$500
2.50% ▼ 0.34% below national avg
View
▼
Rate2.48%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 0.34% below avg
Details

Minimum to Open for IRAs: $250

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Sep 28, 2026
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
60 Months Certificate of Deposit (CDs)
$500
2.50% ▼ 0.34% below national avg
View
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 0.34% below avg
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Sep 28, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
60 Month Share Certificate
$0
2.50% ▼ 0.34% below national avg
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 0.34% below avg
Details

Term: 60 MONTH TAKE CONTROL

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Sep 28, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
60 Month Share Certificate
$500
2.42% ▼ 0.42% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 0.42% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.42% APY · checked 4 times
1.92%2.42%2.92%Sep 14, 2026: 2.42% APYSep 14, 2026Sep 28, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
5 Year Business Share Certificates
$500
2.25% ▼ 0.59% below national avg
View
▼
Rate2.23%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 0.59% below avg
Details

Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 3 times
1.75%2.25%2.75%Sep 18, 2026: 2.25% APYSep 18, 2026Sep 28, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
5 Year Share & IRA Certificates
$500
2.25% ▼ 0.59% below national avg
View
▼
Rate2.23%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 0.59% below avg
Details

Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 3 times
1.75%2.25%2.75%Sep 18, 2026: 2.25% APYSep 18, 2026Sep 28, 2026
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
60 Month Regular And IRA Share Certificates
$0
2.01% ▼ 0.83% below national avg
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 0.83% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.01% APY · checked 4 times
1.51%2.01%2.51%Sep 14, 2026: 2.01% APYSep 14, 2026Sep 28, 2026
Artisans Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
60 Month Fixed Rate Certificate of Deposit (CDs)
$0
2.00% ▼ 0.84% below national avg
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▼ 0.84% below avg
Details

Balance: $1,500

Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Sep 28, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
60-Month Certificate of Deposit
$0
1.01% ▼ 1.83% below national avg
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.83% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 3 times
0.51%1.01%1.51%Sep 18, 2026: 1.01% APYSep 18, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5 Year Certificate
$0
1.00% ▼ 1.84% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.84% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5 Year TD Choice CD
$250
1.00% ▼ 1.84% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.84% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
5 Year Certificate
$0
1.00% ▼ 1.84% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.84% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
5 Year TD Choice CD
$250
1.00% ▼ 1.84% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.84% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
60 Month Fixed-Rate CD
$2,500
0.75% ▼ 2.09% below national avg
View
▼
Rate0.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 2.09% below avg
Details

Rate History
No change since Sep 24, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Sep 24, 2026: 0.75% APYSep 24, 2026Sep 28, 2026
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
60 Month IRA Share Certificate
$0
0.55% ▼ 2.29% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 2.29% below avg
Details

Rate History
No change since Sep 21, 2026 · 0.55% APY · checked 2 times
0.05%0.55%1.05%Sep 21, 2026: 0.55% APYSep 21, 2026Sep 28, 2026
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
60 Month Share Certificate
$0
0.55% ▼ 2.29% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 2.29% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 3 times
0.05%0.55%1.05%Sep 14, 2026: 0.55% APYSep 14, 2026Sep 28, 2026
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
60 Month Certificate of Deposit OR IRA
$500
0.40% ▼ 2.44% below national avg
View
▼
Rate0.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 2.44% below avg
Details

Rate History
No change since Sep 7, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 7, 2026: 0.40% APYSep 7, 2026Sep 28, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
60 Month Fixed Rate Time Deposit/IRA
$500
0.40% ▼ 2.44% below national avg
View
▼
Rate0.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 24, 2026
National Average2.84%▼ 2.44% below avg
Details

Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 3 times
0.00%0.45%0.90%Sep 11, 2026: 0.40% APYSep 11, 2026Sep 28, 2026
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
60 Month CD
$100
0.35% ▼ 2.49% below national avg
View
▼
Rate0.35%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 2.49% below avg
Details

Rate History
No change since Sep 18, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Sep 18, 2026: 0.35% APYSep 18, 2026Sep 28, 2026
edU Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.00%
5 Year Share Certificates
$0
0.15% ▼ 2.69% below national avg
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 2.69% below avg
Details

Rate History
No change since Sep 12, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Sep 12, 2026: 0.15% APYSep 12, 2026Sep 28, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate of Deposit
$1,000
0.05% ▼ 2.79% below national avg
View
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 2.79% below avg
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Sep 28, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Jumbo Certificate of Deposit
$95,000
0.05% ▼ 2.79% below national avg
View
▼
Rate0.05%
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 2.79% below avg
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Sep 28, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Elsmere, Delaware Institutions

Highest verified APYs available today, updated September 28, 2026

B Top 5 Bank Rates
M&T Bank
18 MONTH SELECT Certificate of Deposit
A 5.0 ★ TX: 6.93%
Min: $1,000
3.85%
HSBC Trust Company (Delaware)
24 Month CD
A+ 5.0 ★ TX: 0.00%
Min: $1,000
4.45%
Barclays Bank
24 Month Online CD Terms
A 5.0 ★ TX: 8.21%
Min: $0
4.35%
Capital One Bank
12 Month 360 CDs
A 5.0 ★ TX: 7.01%
Min: $0
4.30%
Comenity Bank
1-year CD
B 4.6 ★ TX: 20.12%
Min: $1,500
4.25%
CU Top 5 Credit Union Rates
4.20%
Tidemark Federal Credit Union
12 Month Regular And IRA Share Certificates
A+ 5.0 ★ TX: 1.21%
Min: $0
4.10%
Dover Federal Credit Union
1 Year Business Share Certificates
A 5.0 ★ TX: 8.00%
Min: $500
4.00%
Franklin Mint Federal Credit Union
18 Month Share Certificate
A 5.0 ★ TX: 6.91%
Min: $0
4.00%
Sun East Federal Credit Union
12 month Regular / IRA
A 5.0 ★ TX: 9.77%
Min: $500
3.70%
Rates verified September 28, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

Elsmere, DE CD Rate Trends

Compare local Elsmere, DE CD rate quotes against the statewide average

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

View Full Delaware CD Trends
12-Month CD DE Avg
2.942%
▼ 0.010 vs 7 days ago

Delaware 12-month CD rates fell 0.010 points over the past 7 days to 2.942% APY.

6-Month CD DE Avg
2.768%
▲ 0.001 vs 7 days ago

Delaware 6-month CD rates rose 0.001 points over the past 7 days to 2.768% APY.

As of Sep 28, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

DE CD Rate Forecast, Next 12 Months

Where are Delaware CD rates headed through September 2027?

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

DE 12-Month Avg APY
2.942%
6-Month Forecast
2.942%
Range: 2.74% – 3.09%
12-Month Forecast
3.192%
Range: 2.99% – 3.34%

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

Spread model: The Delaware 12-month CD average currently trades 1.43% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

Powered by MonitorBankRates

What Your Savings Earn at 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 2.076% $103.80 $207.59 $518.98 $1,037.95
6-Month CD 2.768% $138.39 $276.78 $691.95 $1,383.90
12-Month CD 2.942% $147.08 $294.15 $735.38 $1,470.75
18-Month CD 2.817% $140.84 $281.67 $704.18 $1,408.35
24-Month CD 2.836% $141.82 $283.64 $709.10 $1,418.20
36-Month CD 2.757% $137.86 $275.71 $689.28 $1,378.55
48-Month CD 2.751% $137.54 $275.08 $687.70 $1,375.40
60-Month CD 2.843% $142.17 $284.33 $710.83 $1,421.65
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 28, 2026.

Sample CD Ladder for Elsmere, 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.

Build Your Ladder
Rung Term Deposit DE Avg APY Annual Earnings
1 3-Month CD $5,000 2.076% $103.80
2 6-Month CD $5,000 2.768% $138.39
3 12-Month CD $5,000 2.942% $147.08
4 24-Month CD $5,000 2.836% $141.82
5 36-Month CD $5,000 2.757% $137.86
Total ($25,000 invested) $25,000 2.676% blended $668.95/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.

347
CD Rates
Tracked in Elsmere, Delaware
21 Banks 13 Credit Unions

About Our Elsmere, Delaware CD Rate Database

MonitorBankRates tracks 347 CD rates from 21 banks and 13 credit unions with locations in Elsmere, 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: M&T Bank offers a CD at 3.85% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Elsmere, Delaware.

How to Find the Best CD Rates in Elsmere, Delaware

What to compare when shopping for a CD in Elsmere, Delaware

To find the best APYs in Elsmere, Delaware, start with credit unions and online-only banks: Elsmere, Delaware has 13 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 Elsmere, 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 Elsmere, Delaware: 34 institutions here report CD rates

Consider an Alternative If…

Elsmere, Delaware Financial Snapshot

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

Population 65+
12.5%
National avg: 17.3%
Median Individual Earnings
$41,268
National avg: $47,340
Poverty Rate
23.1%
National avg: 11.1%
Unemployment Rate
4.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$121/yr
At DE 12-mo avg 2.942% APY

12.5% of residents are 65 or older, below the national average of 17.3%. At today’s DE 12-month CD average of 2.942%, saving 10% of the local median salary ($4,126/year) and putting it in a CD would earn an additional $121 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 Elsmere, 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

How Certificates of Deposit Work in Elsmere, Delaware

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 Elsmere, Delaware 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 Elsmere, Delaware as everywhere in the U.S.

Choosing a CD Term in Elsmere, Delaware

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Elsmere, Delaware savers easier access to their funds. For example, Capital One Bank is offering its 6 Month 360 CDs at 4.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Capital One Bank is offering its 60 Month 360 CDs at 4.30% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Elsmere, Delaware Savers

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

How CD Interest Is Paid in Elsmere, Delaware

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 Elsmere, Delaware CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Elsmere, Delaware

Most CDs carry a fixed rate that is locked for the entire term, protecting a Elsmere, Delaware 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 Elsmere, Delaware

Are CD rates in Elsmere, Delaware FDIC insured?

Yes, most established banks in Elsmere, Delaware 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 Elsmere, Delaware?

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 Elsmere, Delaware.

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 Elsmere, Delaware 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 Elsmere, Delaware?

Here are recent top rates found for this area:
  • M&T Bank: 3.85% APY (18 MONTH SELECT Certificate of Deposit)
  • HSBC Trust Company (Delaware): 4.45% APY (24 Month CD)
  • Barclays Bank: 4.35% APY (24 Month Online CD Terms)
  • Capital One Bank: 4.30% APY (12 Month 360 CDs)
  • Comenity Bank: 4.25% APY (1-year CD)
  • Cecil County School Employees Federal Credit Union: 4.20% APY (12-Month Certificate)
  • Tidemark Federal Credit Union: 4.10% APY (12 Month Regular And IRA Share Certificates)
  • Artisans Bank: 4.05% APY (6 Month Certificate of Deposit)
  • Dover Federal Credit Union: 4.00% APY (1 Year Business Share Certificates)
  • Franklin Mint Federal Credit Union: 4.00% APY (18 Month Share Certificate)
Rates reflect recent verified offers available in Elsmere, Delaware. Last Updated: September 28, 2026

Elsmere, Delaware 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 Elsmere, Delaware rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures
—

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

Top Elsmere, Delaware CD Rates by Term

Verified September 28, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Elsmere, Delaware. Averages shown use the Delaware state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Elsmere, Delaware

Elsmere, Delaware CD Calculator

At today’s DE top rate of 3.85% APY, a $10,000 deposit earns $385 in the first year. Enter your amount to see your exact return.

Elsmere, Delaware CD Ladder

DE CD rates currently range from 2.076% (3-month) to 2.757% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Elsmere, Delaware CD at 3.85% 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 Savings

Delaware’s average 12-month CD is 2.942% 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 Elsmere, Delaware 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 Elsmere, 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 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 Elsmere, 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.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 28, 2026

Elsmere, Delaware Rates & Resources

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