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CD Rate Trends

Georgetown, Delaware Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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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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: October 23, 2026

Georgetown, Delaware CD rates range from 0.01% to 4.75% APY, verified by MonitorBankRates as of October 23, 2026. Current Georgetown, Delaware CD rates include County Bank Rehoboth Beach, DECounty Bank Rehoboth Beach, DE13 N Bedford St, Georgetown, DE 19947A+5.0 ★Texas Ratio: 1.58%Real return: +0.40%APY minus CPIRate verified Oct 21, 2026 offering 18 Month Certificate of Deposit OR IRA at 4.10% APY, M&T BankM&T Bank22205 Dupont Blvd, Georgetown, DE 19947A+5.0 ★Texas Ratio: 4.11%Real return: +0.15%APY minus CPIRate verified Oct 22, 2026 offering 18 MONTH SELECT Certificate of Deposit at 3.85% APY, Delaware State Police Federal Credit UnionDelaware State Police Federal Credit Union700 N Bedford St, Georgetown, DE 19947A+5.0 ★Texas Ratio: 4.25%Real return: +0.02%APY minus CPIRate verified Oct 23, 2026 offering Share Certificate - 12 Months at 3.72% APY, Fulton BankFulton Bank21035 Dupont Blvd, Georgetown, DE 19947A+5.0 ★Texas Ratio: 4.85%Real return: -2.69%APY minus CPIRate verified Oct 20, 2026 offering Certificate of Deposit - 36-Month at 1.01% APY, and PNC BankPNC Bank20915 Dupont Blvd, Georgetown, DE 19947A+5.0 ★Texas Ratio: 4.24%Real return: -3.67%APY minus CPIRate verified Oct 20, 2026 offering Certificate of Deposit - 12 Months at 0.03% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.

Georgetown has 79 local institutions in our database, with CD rates as high as 4.10% APY from County Bank Rehoboth Beach, DE at 13 N Bedford St, Georgetown, DE 19947. 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: October 23, 2026

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

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Georgetown 3 Month CD Rates

Delaware 3 Month CD Average2.12% APYNational 2.13%▲ 0.13% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
13 N Bedford St, Georgetown, DE 19947
90 Day Certificate of Deposit OR IRA
$500
2.40% ▲ 0.28% above Delaware avg
View
▼
Rate2.38%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.12%▲ 0.28% above avgNationally 2.13%
Details

Rate History
No change since Sep 7, 2026 · 2.40% APY · checked 10 times
1.90%2.40%2.90%Sep 7, 2026: 2.40% APYSep 7, 2026Oct 25, 2026
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
13 N Bedford St, Georgetown, DE 19947
Jumbo 90 Day Certificate of Deposit OR IRA
$100,000
2.40% ▲ 0.28% above Delaware avg
View
▼
Rate2.38%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.12%▲ 0.28% above avgNationally 2.13%
Details

Rate History
No change since Oct 20, 2026 · 2.40% APY · checked 2 times
1.90%2.40%2.90%Oct 20, 2026: 2.40% APYOct 20, 2026Oct 25, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
21035 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 3-Month
$0
0.70% ▼ 1.42% below Delaware avg
View
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.12%▼ 1.42% below avgNationally 2.13%
Details

Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 8 times
0.20%0.70%1.20%Sep 18, 2026: 0.70% APYSep 18, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 3 Months
$1,000
0.03% ▼ 2.09% below Delaware avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.12%▼ 2.09% below avgNationally 2.13%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 3 Months
$1,000
0.02% ▼ 2.10% below Delaware avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.12%▼ 2.10% below avgNationally 2.13%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 3 Months
$1,000
0.01% ▼ 2.11% below Delaware avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.12%▼ 2.11% below avgNationally 2.13%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
Comenity Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.12%
Retirement CD - 3-month
$1,500
3.95% ▲ 1.83% above Delaware avg
View
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.12%▲ 1.83% above avgNationally 2.13%
Details

Retirement certificate of deposit in an IRA; fixed rate

Rate History
No change since Oct 20, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 20, 2026: 3.95% APYOct 20, 2026Oct 25, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
Certificate of Deposit - Branch - 3 Month
$500
3.75% ▲ 1.63% above Delaware avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.12%▲ 1.63% above avgNationally 2.13%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
3 Month Regular / IRA
$500
3.50% ▲ 1.38% above Delaware avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.12%▲ 1.38% above avgNationally 2.13%
Details

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 25, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 3 MONTH
$0
3.50% ▲ 1.38% above Delaware avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.12%▲ 1.38% above avgNationally 2.13%
Details

Minimum deposit $500 consumers, $1,000 business/organizational, $250 under 18; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 25, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
3 Month Share/IRA Certificate
$500
3.14% ▲ 1.02% above Delaware avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.12%▲ 1.02% above avgNationally 2.13%
Details

Effective October 8, 2026

Rate History
1 change since Sep 25, 2026 · 2.68% → 3.14% ▲ 0.46 pts · high 3.14% / low 2.68%
2.18%2.91%3.64%Sep 25, 2026: 2.68% APYOct 23, 2026: 3.14% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20263.14%▲ from 2.68%
  • Sep 25, 20262.68%first recorded
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Fixed Rate CD - 3 Month
$2,500
3.00% ▲ 0.88% above Delaware avg
View
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.12%▲ 0.88% above avgNationally 2.13%
Details

Open Online

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 25, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Certificate of Deposit - 3 Months
$1,000
3.00% ▲ 0.88% above Delaware avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.12%▲ 0.88% above avgNationally 2.13%
Details

Interest Rate 2.97%; Annual Percentage Yield 3.00%

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 25, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Fixed Rate Certificate of Deposit (CDs) - 3 Months
$0
2.50% ▲ 0.38% above Delaware avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.12%▲ 0.38% above avgNationally 2.13%
Details

APYs accurate as of 07.10.2026

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month TD Choice CD
$250
2.00% ▼ 0.12% below Delaware avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.12%▼ 0.12% below avgNationally 2.13%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Regular CD - 3 Months
$500
2.00% ▼ 0.12% below Delaware avg
View
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.12%▼ 0.12% below avgNationally 2.13%
Details

Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Month TD Choice CD - Promotional
$250
2.00% ▼ 0.12% below Delaware avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.12%▼ 0.12% below avgNationally 2.13%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month TD Choice CD
$250
1.99% ▼ 0.13% below Delaware avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.12%▼ 0.13% below avgNationally 2.13%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Month TD Choice CD - Non-Promotional
$250
1.99% ▼ 0.13% below Delaware avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.12%▼ 0.13% below avgNationally 2.13%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
3 Month Share Certificate
$0
0.20% ▼ 1.92% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.12%▼ 1.92% below avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 9 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 25, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
90 Day Fixed Rate Time Deposit/IRA
$500
0.10% ▼ 2.02% below Delaware avg
View
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.12%▼ 2.02% below avgNationally 2.13%
Details

IRA available

Rate History
No change since Sep 11, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 11, 2026: 0.10% APYSep 11, 2026Oct 25, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Standard Fixed Rate CD 3 month - Relationship
$2,500
0.06% ▼ 2.06% below Delaware avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.12%▼ 2.06% below avgNationally 2.13%
Details

Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 25, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Standard Fixed Rate CD 3 month
$2,500
0.05% ▼ 2.07% below Delaware avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.12%▼ 2.07% below avgNationally 2.13%
Details

Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 25, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 90 Day
$1,000
0.05% ▼ 2.07% below Delaware avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.12%▼ 2.07% below avgNationally 2.13%
Details

Rates effective 10/20/2026; APY assumes interest remains on deposit until maturity

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 25, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo Certificate of Deposit - 90 Day
$95,000
0.05% ▼ 2.07% below Delaware avg
View
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.12%▼ 2.07% below avgNationally 2.13%
Details

Rates effective 10/20/2026; APY assumes interest remains on deposit until maturity

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 25, 2026

Georgetown 6 Month CD Rates

Delaware 6 Month CD Average2.65% APYNational 2.78%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
Share Certificate - 6 Months
$0
3.56% ▲ 0.91% above Delaware avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.65%▲ 0.91% above avgNationally 2.78%
Details

Share Certificates - $500 Minimum; Effective September 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.56% ▲ 0.26 pts · high 3.56% / low 3.30%
2.80%3.43%4.06%Sep 14, 2026: 3.30% APYOct 5, 2026: 3.56% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.56%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
6 Month Jumbo IRA Share Certificates
$0
3.35% ▲ 0.70% above Delaware avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.65%▲ 0.70% above avgNationally 2.78%
Details

Effective September 1, 2026; $25,000 Minimum

Rate History
No change since Oct 5, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 5, 2026: 3.35% APYOct 5, 2026Oct 25, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
Jumbo Share Certificates - 6 Months
$0
3.35% ▲ 0.70% above Delaware avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.65%▲ 0.70% above avgNationally 2.78%
Details

Minimum $25,000; Effective September 1, 2026

Rate History
No change since Sep 25, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 25, 2026: 3.35% APYSep 25, 2026Oct 25, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
6 Month IRA Share Certificate
$500
3.30% ▲ 0.65% above Delaware avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.65%▲ 0.65% above avgNationally 2.78%
Details

Effective September 1, 2026

Rate History
1 change since Sep 21, 2026 · 3.04% → 3.30% ▲ 0.26 pts · high 3.30% / low 3.04%
2.54%3.17%3.80%Sep 21, 2026: 3.04% APYOct 23, 2026: 3.30% APYSep 21, 2026Oct 25, 2026
  • Oct 23, 20263.30%▲ from 3.04%
  • Sep 21, 20263.04%first recorded
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
21035 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 6-Month
$0
0.70% ▼ 1.95% below Delaware avg
View
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.65%▼ 1.95% below avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 8 times
0.20%0.70%1.20%Sep 18, 2026: 0.70% APYSep 18, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 6 Months
$1,000
0.03% ▼ 2.62% below Delaware avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.65%▼ 2.62% below avgNationally 2.78%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
IRA CD 6 Months
$250
0.03% ▼ 2.62% below Delaware avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.65%▼ 2.62% below avgNationally 2.78%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 6 Months
$1,000
0.02% ▼ 2.63% below Delaware avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.65%▼ 2.63% below avgNationally 2.78%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
IRA CD 6 Months
$250
0.02% ▼ 2.63% below Delaware avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.65%▼ 2.63% below avgNationally 2.78%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 6 Months
$1,000
0.01% ▼ 2.64% below Delaware avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.65%▼ 2.64% below avgNationally 2.78%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
IRA CD 6 Months
$250
0.01% ▼ 2.64% below Delaware avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.65%▼ 2.64% below avgNationally 2.78%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
6-Month CD
$1,000
4.20% ▲ 1.55% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.65%▲ 1.55% above avgNationally 2.78%
Details

APY available on a new CD opened with a minimum of $1,000.00; no additional deposits during the term; early withdrawal penalty may apply; APY accurate as of October 22nd, 2026

Rate History
1 change since Sep 28, 2026 · 4.09% → 4.20% ▲ 0.11 pts · high 4.20% / low 4.09%
3.59%4.15%4.70%Sep 28, 2026: 4.09% APYOct 7, 2026: 4.20% APYSep 28, 2026Oct 25, 2026
  • Oct 7, 20264.20%▲ from 4.09%
  • Sep 28, 20264.09%first recorded
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Money CD - 6 Month
$1,000
4.10% ▲ 1.45% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.65%▲ 1.45% above avgNationally 2.78%
Details

Online Only; Minimum balance to open account online: $1,000; Balance: More than $0

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Money Certificate of Deposit - 6 months
$1,000
4.10% ▲ 1.45% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.65%▲ 1.45% above avgNationally 2.78%
Details

Exclusively for HSBC Premier clients; funded with New Money; minimum balance to open and obtain APY is $1000; available to individuals only, not business customers; apply online

Rate History
1 change since Sep 28, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
3.55%4.07%4.60%Sep 28, 2026: 4.05% APYOct 14, 2026: 4.10% APYSep 28, 2026Oct 25, 2026
  • Oct 14, 20264.10%▲ from 4.05%
  • Sep 28, 20264.05%first recorded
Comenity Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.12%
Retirement CD - 6-month
$1,500
4.05% ▲ 1.40% above Delaware avg
View
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.65%▲ 1.40% above avgNationally 2.78%
Details

Retirement certificate of deposit in an IRA; fixed rate

Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 20, 2026: 4.05% APYOct 20, 2026Oct 25, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
6 Month Certificate of Deposit
$0
4.05% ▲ 1.40% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.65%▲ 1.40% above avgNationally 2.78%
Details

Featured rate

Rate History
No change since Sep 16, 2026 · 4.05% APY · checked 8 times
3.55%4.05%4.55%Sep 16, 2026: 4.05% APYSep 16, 2026Oct 25, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Fixed Rate Certificate of Deposit (CDs) - 6 Months
$0
4.05% ▲ 1.40% above Delaware avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.65%▲ 1.40% above avgNationally 2.78%
Details

APYs accurate as of 07.10.2026

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 25, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Fixed Rate IRA 6 Months
$0
4.05% ▲ 1.40% above Delaware avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.65%▲ 1.40% above avgNationally 2.78%
Details

IRA; penalty may be incurred for early withdrawal

Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 25, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Online CD - 6 Months
$0
4.00% ▲ 1.35% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.65%▲ 1.35% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 25, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Online CD - 6 Month
$1,000
4.00% ▲ 1.35% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.65%▲ 1.35% above avgNationally 2.78%
Details

Online Only; Only available to existing Premier customers; Minimum balance to open account online: $1,000; Balance: More than $0

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 25, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Online Certificate of Deposit - 6 Months
$1,000
4.00% ▲ 1.35% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.65%▲ 1.35% above avgNationally 2.78%
Details

HSBC Premier customers only; requires new or existing HSBC Premier checking account; Online Only; not available to business customers; penalty may be imposed for early withdrawal; APYs accurate as of 10/22/2026

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 25, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Wealth Center/Telephone CD - 6 Month
$1,000
4.00% ▲ 1.35% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.65%▲ 1.35% above avgNationally 2.78%
Details

Wealth Center or Telephone Only; Minimum balance to open account: $1,000; Balance: More than $0

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Share Certificate - 6 Months
$500
4.00% ▲ 1.35% above Delaware avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.65%▲ 1.35% above avgNationally 2.78%
Details

Regular And IRA Share Certificates ($500 Minimum); Not offered for IRA Certificate

Rate History
1 change since Sep 17, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
2.70%3.68%4.65%Sep 17, 2026: 3.35% APYOct 23, 2026: 4.00% APYSep 17, 2026Oct 25, 2026
  • Oct 23, 20264.00%▲ from 3.35%
  • Sep 17, 20263.35%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
6 Month Share Certificate (Jumbo)
$25,000
4.00% ▲ 1.35% above Delaware avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.65%▲ 1.35% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 1.00% → 4.00% ▲ 3.00 pts · high 4.00% / low 1.00%
0.00%3.50%7.00%Sep 14, 2026: 1.00% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.00%▲ from 1.00%
  • Sep 14, 20261.00%first recorded
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
Share & IRA Certificate 6-Month
$500
3.75% ▲ 1.10% above Delaware avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.65%▲ 1.10% above avgNationally 2.78%
Details

Not available on IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
6 Month Regular / IRA
$500
3.70% ▲ 1.05% above Delaware avg
View
▼
Rate3.63%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.65%▲ 1.05% above avgNationally 2.78%
Details

Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 9 times
3.20%3.70%4.20%Sep 12, 2026: 3.70% APYSep 12, 2026Oct 25, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
6 Month Youth Certificate
$250
3.70% ▲ 1.05% above Delaware avg
View
▼
Rate3.63%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.65%▲ 1.05% above avgNationally 2.78%
Details

Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 9 times
3.20%3.70%4.20%Sep 12, 2026: 3.70% APYSep 12, 2026Oct 25, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 6 MONTH
$0
3.70% ▲ 1.05% above Delaware avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.65%▲ 1.05% above avgNationally 2.78%
Details

Minimum deposit $500 consumers, $1,000 business/organizational, $250 under 18; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 25, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
Certificate of Deposit - Branch - 6 Month
$500
3.65% ▲ 1.00% above Delaware avg
View
▼
Rate3.58%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.65%▲ 1.00% above avgNationally 2.78%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 25, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
6 Month Share Certificate
$500
3.55% ▲ 0.90% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.65%▲ 0.90% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 0.90% → 3.55% ▲ 2.65 pts · high 3.55% / low 0.90%
0.00%3.10%6.20%Sep 14, 2026: 0.90% APYOct 9, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.55%▲ from 0.90%
  • Sep 14, 20260.90%first recorded
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
6 Month Share/IRA Certificate
$500
3.40% ▲ 0.75% above Delaware avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.65%▲ 0.75% above avgNationally 2.78%
Details

Effective October 8, 2026

Rate History
1 change since Sep 25, 2026 · 2.94% → 3.40% ▲ 0.46 pts · high 3.40% / low 2.94%
2.44%3.17%3.90%Sep 25, 2026: 2.94% APYOct 23, 2026: 3.40% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20263.40%▲ from 2.94%
  • Sep 25, 20262.94%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
6 Month 360 CD
$0
3.30% ▲ 0.65% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.65%▲ 0.65% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 3.30% ▼ 1.00 pts · high 4.30% / low 3.30%
2.30%3.80%5.30%Sep 18, 2026: 4.30% APYOct 14, 2026: 3.30% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20263.30%▼ from 4.30%
  • Sep 18, 20264.30%first recorded
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Certificate of Deposit - 6 Months
$1,000
3.25% ▲ 0.60% above Delaware avg
View
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.65%▲ 0.60% above avgNationally 2.78%
Details

Interest Rate 3.21%; Annual Percentage Yield 3.25%

Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 25, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
IRA Certificate - Fixed 6 Months
$100
3.25% ▲ 0.60% above Delaware avg
View
▼
Rate3.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.65%▲ 0.60% above avgNationally 2.78%
Details

IRA Certificate of Deposit; early withdrawal penalty may be imposed

Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 25, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Certificate of Deposit - 6 Months
$1,000
3.14% ▲ 0.49% above Delaware avg
View
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.65%▲ 0.49% above avgNationally 2.78%
Details

Balance: $100,000-$249,999; Rates effective 10/21/2026; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 22, 2026 · 3.14% APY
2.64%3.14%3.64%Oct 22, 2026: 3.14% APYOct 22, 2026Oct 25, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Certificate of Deposit - 6 Months
$1,000
3.03% ▲ 0.38% above Delaware avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.65%▲ 0.38% above avgNationally 2.78%
Details

Balance: Under $100,000; Minimum of $1,000 to open account; Minimum of $500 for 12 Month Term only for under 18 years old; Rates effective 10/21/2026

Rate History
No change since Oct 22, 2026 · 3.03% APY
2.53%3.03%3.53%Oct 22, 2026: 3.03% APYOct 22, 2026Oct 25, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Fixed Rate CD - 6 Month
$2,500
3.00% ▲ 0.35% above Delaware avg
View
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.65%▲ 0.35% above avgNationally 2.78%
Details

Open Online

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 25, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Regular CD - 6 Months
$500
3.00% ▲ 0.35% above Delaware avg
View
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.65%▲ 0.35% above avgNationally 2.78%
Details

Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal

Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 20, 2026: 3.00% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month TD Choice CD
$250
2.00% ▼ 0.65% below Delaware avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.65%▼ 0.65% below avgNationally 2.78%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
6 Month TD Choice CD - Promotional
$250
2.00% ▼ 0.65% below Delaware avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.65%▼ 0.65% below avgNationally 2.78%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month TD Choice CD
$250
1.99% ▼ 0.66% below Delaware avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.65%▼ 0.66% below avgNationally 2.78%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
6 Month TD Choice CD - Non-Promotional
$250
1.99% ▼ 0.66% below Delaware avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.65%▼ 0.66% below avgNationally 2.78%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificate - 6 Month
$500
1.36% ▼ 1.29% below Delaware avg
View
▼
Rate1.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.65%▼ 1.29% below avgNationally 2.78%
Details

IRA Certificates; $500 minimum; early withdrawal penalty equal to 31 days dividends

Rate History
No change since Sep 14, 2026 · 1.36% APY · checked 7 times
0.86%1.36%1.86%Sep 14, 2026: 1.36% APYSep 14, 2026Oct 25, 2026
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share Certificate - 6 Month
$500
1.36% ▼ 1.29% below Delaware avg
View
▼
Rate1.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.65%▼ 1.29% below avgNationally 2.78%
Details

Regular Certificates; $500 minimum; early withdrawal penalty equal to 31 days dividends

Rate History
No change since Sep 14, 2026 · 1.36% APY · checked 7 times
0.86%1.36%1.86%Sep 14, 2026: 1.36% APYSep 14, 2026Oct 25, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
6 Month IRA/ESA Certificate
$0
1.00% ▼ 1.65% below Delaware avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.65%▼ 1.65% below avgNationally 2.78%
Details

IRA/ESA; Minimum Balance $100

Rate History
No change since Oct 15, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 15, 2026: 1.00% APYOct 15, 2026Oct 25, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
6 Month Regular Certificate
$0
1.00% ▼ 1.65% below Delaware avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.65%▼ 1.65% below avgNationally 2.78%
Details

Regular Certificates; Minimum Balance $1,000

Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 25, 2026
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6 Month Share Certificate
$0
0.25% ▼ 2.40% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.65%▼ 2.40% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 9 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 25, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
6 Month Fixed Rate Time Deposit/IRA
$500
0.20% ▼ 2.45% below Delaware avg
View
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.65%▼ 2.45% below avgNationally 2.78%
Details

IRA available

Rate History
No change since Sep 11, 2026 · 0.20% APY · checked 7 times
0.00%0.35%0.70%Sep 11, 2026: 0.20% APYSep 11, 2026Oct 25, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Standard Fixed Rate CD 6 month - Relationship
$2,500
0.06% ▼ 2.59% below Delaware avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.65%▼ 2.59% below avgNationally 2.78%
Details

Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month TD No Catch CD
$0
0.05% ▼ 2.60% below Delaware avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.65%▼ 2.60% below avgNationally 2.78%
Details

6 Month TD No Catch CD

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 25, 2026

Georgetown 12 Month CD Rates

Delaware 12 Month CD Average2.90% APYNational 2.99%▲ 0.08% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
Share Certificate - 12 Months
$0
3.72% ▲ 0.82% above Delaware avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.90%▲ 0.82% above avgNationally 2.99%
Details

Share Certificates - $500 Minimum; Effective September 1, 2026

Rate History
2 changes since Sep 14, 2026 · 3.45% → 3.72% ▲ 0.27 pts · high 3.72% / low 3.45%
2.95%3.59%4.22%Sep 14, 2026: 3.45% APYSep 25, 2026: 3.46% APYOct 5, 2026: 3.72% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.72%▲ from 3.46%
  • Sep 25, 20263.46%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
13 N Bedford St, Georgetown, DE 19947
Jumbo 12 Month Certificate of Deposit OR IRA
$100,000
3.60% ▲ 0.70% above Delaware avg
View
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.90%▲ 0.70% above avgNationally 2.99%
Details

Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 20, 2026: 3.60% APYOct 20, 2026Oct 25, 2026
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
13 N Bedford St, Georgetown, DE 19947
12 Month Certificate of Deposit OR IRA
$500
3.55% ▲ 0.65% above Delaware avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.90%▲ 0.65% above avgNationally 2.99%
Details

Rate History
No change since Sep 7, 2026 · 3.55% APY · checked 10 times
3.05%3.55%4.05%Sep 7, 2026: 3.55% APYSep 7, 2026Oct 25, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
12 Month Jumbo IRA Share Certificates
$0
3.51% ▲ 0.61% above Delaware avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.90%▲ 0.61% above avgNationally 2.99%
Details

Effective September 1, 2026; $25,000 Minimum

Rate History
No change since Oct 5, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Oct 5, 2026: 3.51% APYOct 5, 2026Oct 25, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
Jumbo Share Certificates - 12 Months
$0
3.51% ▲ 0.61% above Delaware avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.90%▲ 0.61% above avgNationally 2.99%
Details

Minimum $25,000; Effective September 1, 2026

Rate History
No change since Sep 25, 2026 · 3.51% APY · checked 7 times
3.01%3.51%4.01%Sep 25, 2026: 3.51% APYSep 25, 2026Oct 25, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
12 Month IRA Share Certificate
$500
3.46% ▲ 0.56% above Delaware avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.90%▲ 0.56% above avgNationally 2.99%
Details

Effective September 1, 2026

Rate History
1 change since Sep 21, 2026 · 3.45% → 3.46% ▲ 0.01 pts · high 3.46% / low 3.45%
2.95%3.46%3.96%Sep 21, 2026: 3.45% APYOct 23, 2026: 3.46% APYSep 21, 2026Oct 25, 2026
  • Oct 23, 20263.46%▲ from 3.45%
  • Sep 21, 20263.45%first recorded
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
21035 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 12-Month
$0
0.70% ▼ 2.20% below Delaware avg
View
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.90%▼ 2.20% below avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 8 times
0.20%0.70%1.20%Sep 18, 2026: 0.70% APYSep 18, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 12 Months
$1,000
0.03% ▼ 2.87% below Delaware avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.90%▼ 2.87% below avgNationally 2.99%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
IRA CD 12 Months
$250
0.03% ▼ 2.87% below Delaware avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.90%▼ 2.87% below avgNationally 2.99%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 12 Months
$1,000
0.02% ▼ 2.88% below Delaware avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.90%▼ 2.88% below avgNationally 2.99%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
IRA CD 12 Months
$250
0.02% ▼ 2.88% below Delaware avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.90%▼ 2.88% below avgNationally 2.99%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 12 Months
$1,000
0.01% ▼ 2.89% below Delaware avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.90%▼ 2.89% below avgNationally 2.99%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
IRA CD 12 Months
$250
0.01% ▼ 2.89% below Delaware avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.90%▼ 2.89% below avgNationally 2.99%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Online CD - 12 Months
$0
4.50% ▲ 1.60% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.90%▲ 1.60% above avgNationally 2.99%
Details

Rate History
1 change since Oct 7, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Oct 7, 2026: 4.25% APYOct 14, 2026: 4.50% APYOct 7, 2026Oct 25, 2026
  • Oct 14, 20264.50%▲ from 4.25%
  • Oct 7, 20264.25%first recorded
Comenity Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.12%
Retirement CD - 1-year
$1,500
4.45% ▲ 1.55% above Delaware avg
View
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.90%▲ 1.55% above avgNationally 2.99%
Details

Retirement certificate of deposit in an IRA; fixed rate

Rate History
No change since Oct 20, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 20, 2026: 4.45% APYOct 20, 2026Oct 25, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Money CD - 12 Month
$1,000
4.40% ▲ 1.50% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.90%▲ 1.50% above avgNationally 2.99%
Details

Online Only; Minimum balance to open account online: $1,000; Balance: More than $0

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 25, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Money Certificate of Deposit - 12 months
$1,000
4.40% ▲ 1.50% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.90%▲ 1.50% above avgNationally 2.99%
Details

Exclusively for HSBC Premier clients; funded with New Money; minimum balance to open and obtain APY is $1000; available to individuals only, not business customers; apply online

Rate History
1 change since Sep 28, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 28, 2026: 4.35% APYOct 14, 2026: 4.40% APYSep 28, 2026Oct 25, 2026
  • Oct 14, 20264.40%▲ from 4.35%
  • Sep 28, 20264.35%first recorded
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
12-Month CD
$1,000
4.30% ▲ 1.40% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.90%▲ 1.40% above avgNationally 2.99%
Details

APY available on a new CD opened with a minimum of $1,000.00; no additional deposits during the term; early withdrawal penalty may apply; APY accurate as of October 22nd, 2026

Rate History
1 change since Sep 28, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 28, 2026: 4.20% APYOct 7, 2026: 4.30% APYSep 28, 2026Oct 25, 2026
  • Oct 7, 20264.30%▲ from 4.20%
  • Sep 28, 20264.20%first recorded
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Online CD - 12 Month
$1,000
4.30% ▲ 1.40% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.90%▲ 1.40% above avgNationally 2.99%
Details

Online Only; Only available to existing Premier customers; Minimum balance to open account online: $1,000; Balance: More than $0

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 7 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 25, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Online Certificate of Deposit - 12 Months
$1,000
4.30% ▲ 1.40% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.90%▲ 1.40% above avgNationally 2.99%
Details

HSBC Premier customers only; requires new or existing HSBC Premier checking account; Online Only; not available to business customers; penalty may be imposed for early withdrawal; APYs accurate as of 10/22/2026

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 7 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 25, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Wealth Center/Telephone CD - 12 Month
$1,000
4.30% ▲ 1.40% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.90%▲ 1.40% above avgNationally 2.99%
Details

Wealth Center or Telephone Only; Minimum balance to open account: $1,000; Balance: More than $0

Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month TD Choice CD
$250
4.15% ▲ 1.25% above Delaware avg
View
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.90%▲ 1.25% above avgNationally 2.99%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
12 Month TD Choice CD - Promotional
$250
4.15% ▲ 1.25% above Delaware avg
View
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.90%▲ 1.25% above avgNationally 2.99%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month TD Choice CD
$250
4.14% ▲ 1.24% above Delaware avg
View
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.90%▲ 1.24% above avgNationally 2.99%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.14% APY · checked 2 times
3.64%4.14%4.64%Oct 20, 2026: 4.14% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
12 Month TD Choice CD - Non-Promotional
$250
4.14% ▲ 1.24% above Delaware avg
View
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.90%▲ 1.24% above avgNationally 2.99%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.14% APY · checked 2 times
3.64%4.14%4.64%Oct 20, 2026: 4.14% APYOct 20, 2026Oct 25, 2026
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Share Certificate - 12 Months
$500
4.10% ▲ 1.20% above Delaware avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.90%▲ 1.20% above avgNationally 2.99%
Details

Regular And IRA Share Certificates ($500 Minimum)

Rate History
1 change since Sep 17, 2026 · 3.30% → 4.10% ▲ 0.80 pts · high 4.10% / low 3.30%
2.50%3.70%4.90%Sep 17, 2026: 3.30% APYOct 23, 2026: 4.10% APYSep 17, 2026Oct 25, 2026
  • Oct 23, 20264.10%▲ from 3.30%
  • Sep 17, 20263.30%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1-year online CDs
$0
4.00% ▲ 1.10% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.90%▲ 1.10% above avgNationally 2.99%
Details

Online CD

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
12 Month 360 CD
$0
4.00% ▲ 1.10% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.90%▲ 1.10% above avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
Business Share Certificate 1-Year
$500
4.00% ▲ 1.10% above Delaware avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.90%▲ 1.10% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYSep 18, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Sep 18, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
Share & IRA Certificate 1-Year
$500
4.00% ▲ 1.10% above Delaware avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.90%▲ 1.10% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
12 Month Share Certificate (Jumbo)
$25,000
4.00% ▲ 1.10% above Delaware avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.90%▲ 1.10% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 1.25% → 4.00% ▲ 2.75 pts · high 4.00% / low 1.25%
0.00%3.38%6.75%Sep 14, 2026: 1.25% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.00%▲ from 1.25%
  • Sep 14, 20261.25%first recorded
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
12 Month IRA/ESA Certificate
$0
3.82% ▲ 0.92% above Delaware avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.90%▲ 0.92% above avgNationally 2.99%
Details

IRA/ESA; Minimum Balance $100

Rate History
No change since Oct 15, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 15, 2026: 3.82% APYOct 15, 2026Oct 25, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
12 Month Regular Certificate
$0
3.82% ▲ 0.92% above Delaware avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.90%▲ 0.92% above avgNationally 2.99%
Details

Regular Certificates; Minimum Balance $1,000

Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 25, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Regular CD - 12 Months
$500
3.75% ▲ 0.85% above Delaware avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.90%▲ 0.85% above avgNationally 2.99%
Details

Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 25, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
12 month Regular / IRA
$500
3.70% ▲ 0.80% above Delaware avg
View
▼
Rate3.63%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.90%▲ 0.80% above avgNationally 2.99%
Details

Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 9 times
3.20%3.70%4.20%Sep 12, 2026: 3.70% APYSep 12, 2026Oct 25, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
12 Month Youth Certificate
$250
3.70% ▲ 0.80% above Delaware avg
View
▼
Rate3.63%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.90%▲ 0.80% above avgNationally 2.99%
Details

Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 9 times
3.20%3.70%4.20%Sep 12, 2026: 3.70% APYSep 12, 2026Oct 25, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 12 MONTH
$0
3.70% ▲ 0.80% above Delaware avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.90%▲ 0.80% above avgNationally 2.99%
Details

Minimum deposit $500 consumers, $1,000 business/organizational, $250 under 18; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 25, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
12 Month Share/IRA Certificate
$500
3.66% ▲ 0.76% above Delaware avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.90%▲ 0.76% above avgNationally 2.99%
Details

Effective October 8, 2026

Rate History
1 change since Sep 25, 2026 · 3.04% → 3.66% ▲ 0.62 pts · high 3.66% / low 3.04%
2.42%3.35%4.28%Sep 25, 2026: 3.04% APYOct 23, 2026: 3.66% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20263.66%▲ from 3.04%
  • Sep 25, 20263.04%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
12 Month IRA Share Certificate
$500
3.55% ▲ 0.65% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.90%▲ 0.65% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 1.25% → 3.55% ▲ 2.30 pts · high 3.55% / low 1.25%
0.00%2.93%5.85%Sep 14, 2026: 1.25% APYOct 9, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.55%▲ from 1.25%
  • Sep 14, 20261.25%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
12 Month Share Certificate
$500
3.55% ▲ 0.65% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.90%▲ 0.65% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 1.15% → 3.55% ▲ 2.40 pts · high 3.55% / low 1.15%
0.00%2.97%5.95%Sep 14, 2026: 1.15% APYOct 9, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.55%▲ from 1.15%
  • Sep 14, 20261.15%first recorded
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
Certificate of Deposit - Branch - 12 Month
$500
3.50% ▲ 0.60% above Delaware avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.90%▲ 0.60% above avgNationally 2.99%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Certificate of Deposit - 12 Months
$1,000
3.29% ▲ 0.39% above Delaware avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.90%▲ 0.39% above avgNationally 2.99%
Details

Balance: $100,000-$249,999; Rates effective 10/21/2026; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 22, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 22, 2026: 3.29% APYOct 22, 2026Oct 25, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1 Year Online CD
$0
3.25% ▲ 0.35% above Delaware avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.90%▲ 0.35% above avgNationally 2.99%
Details

Interest rate 3.20%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 9 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 25, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Certificate of Deposit - 12 Months
$1,000
3.19% ▲ 0.29% above Delaware avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.90%▲ 0.29% above avgNationally 2.99%
Details

Balance: Under $100,000; Minimum of $1,000 to open account; Minimum of $500 for 12 Month Term only for under 18 years old; Rates effective 10/21/2026

Rate History
No change since Oct 22, 2026 · 3.19% APY
2.69%3.19%3.69%Oct 22, 2026: 3.19% APYOct 22, 2026Oct 25, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Fixed Rate Certificate of Deposit (CDs) - 12 Months
$0
3.15% ▲ 0.25% above Delaware avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.90%▲ 0.25% above avgNationally 2.99%
Details

APYs accurate as of 07.10.2026

Rate History
No change since Sep 24, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 24, 2026: 3.15% APYSep 24, 2026Oct 25, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Fixed Rate IRA 12 Months
$0
3.15% ▲ 0.25% above Delaware avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.90%▲ 0.25% above avgNationally 2.99%
Details

IRA; penalty may be incurred for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 14, 2026: 3.15% APYOct 14, 2026Oct 25, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
Share Certificate (12-Month)
$0
3.01% ▲ 0.11% above Delaware avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.90%▲ 0.11% above avgNationally 2.99%
Details

Share Certificates ($1,000 Minimum Balance); Minimum Balance for Dividends: $1,000

Rate History
No change since Sep 21, 2026 · 3.01% APY · checked 7 times
2.51%3.01%3.51%Sep 21, 2026: 3.01% APYSep 21, 2026Oct 25, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
IRA Certificate - Fixed 12 Months
$100
3.00% ▲ 0.10% above Delaware avg
View
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.90%▲ 0.10% above avgNationally 2.99%
Details

IRA Certificate of Deposit; early withdrawal penalty may be imposed

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 25, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Fixed Rate CD - 12 Month
$2,500
2.75% ▼ 0.15% below Delaware avg
View
▼
Rate2.71%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.90%▼ 0.15% below avgNationally 2.99%
Details

Open Online

Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 14, 2026: 2.75% APYOct 14, 2026Oct 25, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Certificate of Deposit - 12 Months
$1,000
2.75% ▼ 0.15% below Delaware avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.90%▼ 0.15% below avgNationally 2.99%
Details

Interest Rate 2.72%; Annual Percentage Yield 2.75%

Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 14, 2026: 2.75% APYOct 14, 2026Oct 25, 2026

Georgetown 18 Month CD Rates

Delaware 18 Month CD Average3.06% APYNational 2.88%▲ 0.12% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
13 N Bedford St, Georgetown, DE 19947
18 Month Certificate of Deposit OR IRA
$500
4.10% ▲ 1.04% above Delaware avg
View
▼
Rate4.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average3.06%▲ 1.04% above avgNationally 2.88%
Details

Rate History
1 change since Sep 7, 2026 · 3.20% → 4.10% ▲ 0.90 pts · high 4.10% / low 3.20%
2.30%3.65%5.00%Sep 7, 2026: 3.20% APYOct 14, 2026: 4.10% APYSep 7, 2026Oct 25, 2026
  • Oct 14, 20264.10%▲ from 3.20%
  • Sep 7, 20263.20%first recorded
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
13 N Bedford St, Georgetown, DE 19947
Jumbo 18 Month Certificate of Deposit OR IRA
$100,000
4.10% ▲ 1.04% above Delaware avg
View
▼
Rate4.06%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average3.06%▲ 1.04% above avgNationally 2.88%
Details

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
22205 Dupont Blvd, Georgetown, DE 19947
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 0.79% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average3.06%▲ 0.79% above avgNationally 2.88%
Details

Featured CD rate; Requires a qualifying M&T Bank checking account; Schedule an appointment to open

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 25, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
22205 Dupont Blvd, Georgetown, DE 19947
18-Month M&T Select CD
$1,000
3.85% ▲ 0.79% above Delaware avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average3.06%▲ 0.79% above avgNationally 2.88%
Details

Featured M&T Certificate of Deposit; requires a qualifying M&T Bank checking account to open (M&T Select CD); minimum balance to obtain APY is $1.00 after opening

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
Share Certificate - 18 Months
$0
3.67% ▲ 0.61% above Delaware avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average3.06%▲ 0.61% above avgNationally 2.88%
Details

Share Certificates - $500 Minimum; Effective September 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.41% → 3.67% ▲ 0.26 pts · high 3.67% / low 3.41%
2.91%3.54%4.17%Sep 14, 2026: 3.41% APYOct 5, 2026: 3.67% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.67%▲ from 3.41%
  • Sep 14, 20263.41%first recorded
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
18 Month Jumbo IRA Share Certificates
$0
3.46% ▲ 0.40% above Delaware avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average3.06%▲ 0.40% above avgNationally 2.88%
Details

Effective September 1, 2026; $25,000 Minimum

Rate History
No change since Oct 5, 2026 · 3.46% APY · checked 3 times
2.96%3.46%3.96%Oct 5, 2026: 3.46% APYOct 5, 2026Oct 25, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
Jumbo Share Certificates - 18 Months
$0
3.46% ▲ 0.40% above Delaware avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average3.06%▲ 0.40% above avgNationally 2.88%
Details

Minimum $25,000; Effective September 1, 2026

Rate History
No change since Sep 25, 2026 · 3.46% APY · checked 7 times
2.96%3.46%3.96%Sep 25, 2026: 3.46% APYSep 25, 2026Oct 25, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
18 Month IRA Share Certificate
$500
3.41% ▲ 0.35% above Delaware avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average3.06%▲ 0.35% above avgNationally 2.88%
Details

Effective September 1, 2026

Rate History
No change since Sep 21, 2026 · 3.41% APY · checked 2 times
2.91%3.41%3.91%Sep 21, 2026: 3.41% APYSep 21, 2026Oct 25, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
21035 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 18-Month
$0
0.95% ▼ 2.11% below Delaware avg
View
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average3.06%▼ 2.11% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 0.95% APY · checked 8 times
0.45%0.95%1.45%Sep 18, 2026: 0.95% APYSep 18, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 18 Months
$1,000
0.03% ▼ 3.03% below Delaware avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average3.06%▼ 3.03% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
IRA CD 18 Months
$250
0.03% ▼ 3.03% below Delaware avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average3.06%▼ 3.03% below avgNationally 2.88%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 18 Months
$1,000
0.02% ▼ 3.04% below Delaware avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average3.06%▼ 3.04% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
IRA CD 18 Months
$250
0.02% ▼ 3.04% below Delaware avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average3.06%▼ 3.04% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 18 Months
$1,000
0.01% ▼ 3.05% below Delaware avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average3.06%▼ 3.05% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
IRA CD 18 Months
$250
0.01% ▼ 3.05% below Delaware avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average3.06%▼ 3.05% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Online CD - 18 Months
$0
4.50% ▲ 1.44% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average3.06%▲ 1.44% above avgNationally 2.88%
Details

Rate History
1 change since Oct 7, 2026 · 3.00% → 4.50% ▲ 1.50 pts · high 4.50% / low 3.00%
1.50%3.75%6.00%Oct 7, 2026: 3.00% APYOct 14, 2026: 4.50% APYOct 7, 2026Oct 25, 2026
  • Oct 14, 20264.50%▲ from 3.00%
  • Oct 7, 20263.00%first recorded
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
18-Month CD
$1,000
4.40% ▲ 1.34% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average3.06%▲ 1.34% above avgNationally 2.88%
Details

APY available on a new CD opened with a minimum of $1,000.00; no additional deposits during the term; early withdrawal penalty may apply; APY accurate as of October 22nd, 2026

Rate History
1 change since Sep 28, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 28, 2026: 4.30% APYOct 7, 2026: 4.40% APYSep 28, 2026Oct 25, 2026
  • Oct 7, 20264.40%▲ from 4.30%
  • Sep 28, 20264.30%first recorded
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 18 MONTH
$0
4.35% ▲ 1.29% above Delaware avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average3.06%▲ 1.29% above avgNationally 2.88%
Details

Minimum deposit $500 consumers, $1,000 business/organizational, $250 under 18; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 13, 2026: 4.35% APYOct 13, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month TD Choice CD
$250
4.25% ▲ 1.19% above Delaware avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average3.06%▲ 1.19% above avgNationally 2.88%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
18 Month TD Choice CD - Promotional
$250
4.25% ▲ 1.19% above Delaware avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average3.06%▲ 1.19% above avgNationally 2.88%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month TD Choice CD
$250
4.24% ▲ 1.18% above Delaware avg
View
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average3.06%▲ 1.18% above avgNationally 2.88%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.24% APY · checked 2 times
3.74%4.24%4.74%Oct 20, 2026: 4.24% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
18 Month TD Choice CD - Non-Promotional
$250
4.24% ▲ 1.18% above Delaware avg
View
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average3.06%▲ 1.18% above avgNationally 2.88%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.24% APY · checked 2 times
3.74%4.24%4.74%Oct 20, 2026: 4.24% APYOct 20, 2026Oct 25, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18 Month IRA/ESA Certificate
$0
4.07% ▲ 1.01% above Delaware avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average3.06%▲ 1.01% above avgNationally 2.88%
Details

IRA/ESA; Minimum Balance $100

Rate History
No change since Oct 15, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 15, 2026: 4.07% APYOct 15, 2026Oct 25, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18 Month Regular Certificate
$0
4.07% ▲ 1.01% above Delaware avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average3.06%▲ 1.01% above avgNationally 2.88%
Details

Regular Certificates; Minimum Balance $1,000

Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 25, 2026
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
18-Month CD
$500
4.00% ▲ 0.94% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average3.06%▲ 0.94% above avgNationally 2.88%
Details

Available when account is opened in a Santander location in CT, DE, MA, NH, NJ, NY, PA, RI, or select areas in FL (Miami-Dade, Monroe, Broward counties, Collier county ZIP Code 34141); In-Branch Only; Minimum deposit of $500 to open and receive this APY; early withdrawal penalty applies

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 25, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
18 Month Share/IRA Certificate
$500
3.82% ▲ 0.76% above Delaware avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average3.06%▲ 0.76% above avgNationally 2.88%
Details

Effective October 8, 2026

Rate History
1 change since Sep 25, 2026 · 3.14% → 3.82% ▲ 0.68 pts · high 3.82% / low 3.14%
2.46%3.48%4.50%Sep 25, 2026: 3.14% APYOct 23, 2026: 3.82% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20263.82%▲ from 3.14%
  • Sep 25, 20263.14%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
18 Month 360 CD
$0
3.60% ▲ 0.54% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average3.06%▲ 0.54% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 25, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
Certificate of Deposit - Branch - 18 Month
$500
3.50% ▲ 0.44% above Delaware avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average3.06%▲ 0.44% above avgNationally 2.88%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
18 Month Regular / IRA
$500
3.50% ▲ 0.44% above Delaware avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average3.06%▲ 0.44% above avgNationally 2.88%
Details

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 25, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Certificate of Deposit - 18 Months
$1,000
3.43% ▲ 0.37% above Delaware avg
View
▼
Rate3.39%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average3.06%▲ 0.37% above avgNationally 2.88%
Details

Balance: $100,000-$249,999; Rates effective 10/21/2026; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 22, 2026 · 3.43% APY
2.93%3.43%3.93%Oct 22, 2026: 3.43% APYOct 22, 2026Oct 25, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Certificate of Deposit - 18 Months
$1,000
3.33% ▲ 0.27% above Delaware avg
View
▼
Rate3.29%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average3.06%▲ 0.27% above avgNationally 2.88%
Details

Balance: Under $100,000; Minimum of $1,000 to open account; Rates effective 10/21/2026

Rate History
No change since Oct 22, 2026 · 3.33% APY
2.83%3.33%3.83%Oct 22, 2026: 3.33% APYOct 22, 2026Oct 25, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Regular CD - 18 Months
$500
3.25% ▲ 0.19% above Delaware avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average3.06%▲ 0.19% above avgNationally 2.88%
Details

Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal

Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 20, 2026: 3.25% APYOct 20, 2026Oct 25, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Rising Rate (CDs + IRAs) - 18 Months
$500
3.00% ▼ 0.06% below Delaware avg
View
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average3.06%▼ 0.06% below avgNationally 2.88%
Details

Minimum to open for IRAs: $250

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 25, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Fixed Rate Certificate of Deposit (CDs) - 18 Months
$0
2.90% ▼ 0.16% below Delaware avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average3.06%▼ 0.16% below avgNationally 2.88%
Details

APYs accurate as of 07.10.2026

Rate History
No change since Sep 24, 2026 · 2.90% APY · checked 7 times
2.40%2.90%3.40%Sep 24, 2026: 2.90% APYSep 24, 2026Oct 25, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Fixed Rate IRA 18 Months
$0
2.90% ▼ 0.16% below Delaware avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average3.06%▼ 0.16% below avgNationally 2.88%
Details

IRA; penalty may be incurred for early withdrawal

Rate History
No change since Oct 14, 2026 · 2.90% APY · checked 2 times
2.40%2.90%3.40%Oct 14, 2026: 2.90% APYOct 14, 2026Oct 25, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
IRA Certificate - Fixed 18 Months
$100
2.89% ▼ 0.17% below Delaware avg
View
▼
Rate2.85%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average3.06%▼ 0.17% below avgNationally 2.88%
Details

IRA Certificate of Deposit; early withdrawal penalty may be imposed

Rate History
No change since Oct 14, 2026 · 2.89% APY · checked 3 times
2.39%2.89%3.39%Oct 14, 2026: 2.89% APYOct 14, 2026Oct 25, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Certificate of Deposit - 18 Months
$1,000
2.73% ▼ 0.33% below Delaware avg
View
▼
Rate2.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average3.06%▼ 0.33% below avgNationally 2.88%
Details

Interest Rate 2.70%; Annual Percentage Yield 2.73%

Rate History
No change since Oct 14, 2026 · 2.73% APY · checked 3 times
2.23%2.73%3.23%Oct 14, 2026: 2.73% APYOct 14, 2026Oct 25, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Fixed Rate CD - 18 Month
$2,500
2.50% ▼ 0.56% below Delaware avg
View
▼
Rate2.47%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average3.06%▼ 0.56% below avgNationally 2.88%
Details

Open Online

Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 14, 2026: 2.50% APYOct 14, 2026Oct 25, 2026
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
Certificate of Deposit (CDs) - 18 Months
$500
2.00% ▼ 1.06% below Delaware avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average3.06%▼ 1.06% below avgNationally 2.88%
Details

Minimum balance to obtain APY: $500.00

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
18 Month Fixed Rate Time Deposit/IRA
$500
0.40% ▼ 2.66% below Delaware avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average3.06%▼ 2.66% below avgNationally 2.88%
Details

IRA available

Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 7 times
0.00%0.45%0.90%Sep 11, 2026: 0.40% APYSep 11, 2026Oct 25, 2026
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Share Certificate 18 Months
$100
0.15% ▼ 2.91% below Delaware avg
View
▼
Rate0.15%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Delaware Average3.06%▼ 2.91% below avgNationally 2.88%
Details

Compounded: Monthly; Minimum to Earn APY: $100

Rate History
No change since Oct 13, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 13, 2026: 0.15% APYOct 13, 2026Oct 25, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 18 Month
$1,000
0.05% ▼ 3.01% below Delaware avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average3.06%▼ 3.01% below avgNationally 2.88%
Details

Rates effective 10/20/2026; APY assumes interest remains on deposit until maturity

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 25, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo Certificate of Deposit - 18 Month
$95,000
0.05% ▼ 3.01% below Delaware avg
View
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average3.06%▼ 3.01% below avgNationally 2.88%
Details

Rates effective 10/20/2026; APY assumes interest remains on deposit until maturity

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 25, 2026

Georgetown 24 Month CD Rates

Delaware 24 Month CD Average2.73% APYNational 2.90%▲ 0.14% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
Share Certificate - 24 Months
$0
3.41% ▲ 0.68% above Delaware avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.73%▲ 0.68% above avgNationally 2.90%
Details

Share Certificates - $500 Minimum; Effective September 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.41% ▲ 0.26 pts · high 3.41% / low 3.15%
2.65%3.28%3.91%Sep 14, 2026: 3.15% APYOct 5, 2026: 3.41% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.41%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
24 Month Jumbo IRA Share Certificates
$0
3.20% ▲ 0.47% above Delaware avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.73%▲ 0.47% above avgNationally 2.90%
Details

Effective September 1, 2026; $25,000 Minimum

Rate History
No change since Oct 5, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Oct 5, 2026: 3.20% APYOct 5, 2026Oct 25, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
Jumbo Share Certificates - 24 Months
$0
3.20% ▲ 0.47% above Delaware avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.73%▲ 0.47% above avgNationally 2.90%
Details

Minimum $25,000; Effective September 1, 2026

Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 7 times
2.70%3.20%3.70%Sep 25, 2026: 3.20% APYSep 25, 2026Oct 25, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
24 Month IRA Share Certificate
$500
3.15% ▲ 0.42% above Delaware avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.73%▲ 0.42% above avgNationally 2.90%
Details

Effective September 1, 2026

Rate History
No change since Sep 21, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Sep 21, 2026: 3.15% APYSep 21, 2026Oct 25, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
21035 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 24-Month
$0
0.95% ▼ 1.78% below Delaware avg
View
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.73%▼ 1.78% below avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 0.95% APY · checked 8 times
0.45%0.95%1.45%Sep 18, 2026: 0.95% APYSep 18, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 24 Months
$1,000
0.03% ▼ 2.70% below Delaware avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.73%▼ 2.70% below avgNationally 2.90%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
IRA CD 24 Months
$250
0.03% ▼ 2.70% below Delaware avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.73%▼ 2.70% below avgNationally 2.90%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 24 Months
$1,000
0.02% ▼ 2.71% below Delaware avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.73%▼ 2.71% below avgNationally 2.90%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
IRA CD 24 Months
$250
0.02% ▼ 2.71% below Delaware avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.73%▼ 2.71% below avgNationally 2.90%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 24 Months
$1,000
0.01% ▼ 2.72% below Delaware avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.73%▼ 2.72% below avgNationally 2.90%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
IRA CD 24 Months
$250
0.01% ▼ 2.72% below Delaware avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.73%▼ 2.72% below avgNationally 2.90%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Online CD - 24 Months
$0
4.75% ▲ 2.02% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.73%▲ 2.02% above avgNationally 2.90%
Details

Rate History
1 change since Oct 7, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Oct 7, 2026: 4.35% APYOct 14, 2026: 4.75% APYOct 7, 2026Oct 25, 2026
  • Oct 14, 20264.75%▲ from 4.35%
  • Oct 7, 20264.35%first recorded
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Money CD - 24 Month
$1,000
4.60% ▲ 1.87% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.73%▲ 1.87% above avgNationally 2.90%
Details

Online Only; Minimum balance to open account online: $1,000; Balance: More than $0

Rate History
No change since Oct 14, 2026 · 4.60% APY · checked 2 times
4.10%4.60%5.10%Oct 14, 2026: 4.60% APYOct 14, 2026Oct 25, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Money Certificate of Deposit - 24 months
$1,000
4.60% ▲ 1.87% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.73%▲ 1.87% above avgNationally 2.90%
Details

Exclusively for HSBC Premier clients; funded with New Money; minimum balance to open and obtain APY is $1000; available to individuals only, not business customers; apply online

Rate History
1 change since Sep 28, 2026 · 4.45% → 4.60% ▲ 0.15 pts · high 4.60% / low 4.45%
3.95%4.53%5.10%Sep 28, 2026: 4.45% APYOct 14, 2026: 4.60% APYSep 28, 2026Oct 25, 2026
  • Oct 14, 20264.60%▲ from 4.45%
  • Sep 28, 20264.45%first recorded
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Online CD - 24 Month
$1,000
4.40% ▲ 1.67% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.73%▲ 1.67% above avgNationally 2.90%
Details

Online Only; Only available to existing Premier customers; Minimum balance to open account online: $1,000; Balance: More than $0

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 7 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 25, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Online Certificate of Deposit - 24 Months
$1,000
4.40% ▲ 1.67% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.73%▲ 1.67% above avgNationally 2.90%
Details

HSBC Premier customers only; requires new or existing HSBC Premier checking account; Online Only; not available to business customers; penalty may be imposed for early withdrawal; APYs accurate as of 10/22/2026

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 7 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 25, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Wealth Center/Telephone CD - 24 Month
$1,000
4.40% ▲ 1.67% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.73%▲ 1.67% above avgNationally 2.90%
Details

Wealth Center or Telephone Only; Minimum balance to open account: $1,000; Balance: More than $0

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month TD Choice CD
$250
4.30% ▲ 1.57% above Delaware avg
View
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.73%▲ 1.57% above avgNationally 2.90%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
24 Month TD Choice CD - Promotional
$250
4.30% ▲ 1.57% above Delaware avg
View
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.73%▲ 1.57% above avgNationally 2.90%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 25, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 24 MONTH
$0
4.30% ▲ 1.57% above Delaware avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.73%▲ 1.57% above avgNationally 2.90%
Details

Minimum deposit $500 consumers, $1,000 business/organizational, $250 under 18; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month TD Choice CD
$250
4.29% ▲ 1.56% above Delaware avg
View
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.73%▲ 1.56% above avgNationally 2.90%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.29% APY · checked 2 times
3.79%4.29%4.79%Oct 20, 2026: 4.29% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
24 Month TD Choice CD - Non-Promotional
$250
4.29% ▲ 1.56% above Delaware avg
View
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.73%▲ 1.56% above avgNationally 2.90%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.29% APY · checked 2 times
3.79%4.29%4.79%Oct 20, 2026: 4.29% APYOct 20, 2026Oct 25, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Regular CD - 24 Months
$500
4.00% ▲ 1.27% above Delaware avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.73%▲ 1.27% above avgNationally 2.90%
Details

Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
24 Month Share Certificate (Jumbo)
$25,000
4.00% ▲ 1.27% above Delaware avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.73%▲ 1.27% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 1.76% → 4.00% ▲ 2.24 pts · high 4.00% / low 1.76%
0.00%3.12%6.24%Sep 14, 2026: 1.76% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.00%▲ from 1.76%
  • Sep 14, 20261.76%first recorded
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
24 Month Share/IRA Certificate
$500
3.92% ▲ 1.19% above Delaware avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.73%▲ 1.19% above avgNationally 2.90%
Details

Effective October 8, 2026

Rate History
1 change since Sep 25, 2026 · 3.20% → 3.92% ▲ 0.72 pts · high 3.92% / low 3.20%
2.48%3.56%4.64%Sep 25, 2026: 3.20% APYOct 23, 2026: 3.92% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20263.92%▲ from 3.20%
  • Sep 25, 20263.20%first recorded
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Rising Rate (CDs + IRAs) - 24 Months
$10,000
3.75% ▲ 1.02% above Delaware avg
View
▼
Rate3.70%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.73%▲ 1.02% above avgNationally 2.90%
Details

Minimum to open for IRAs: $10,000.00

Rate History
1 change since Sep 24, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 24, 2026: 3.25% APYOct 20, 2026: 3.75% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20263.75%▲ from 3.25%
  • Sep 24, 20263.25%first recorded
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
24 Month IRA/ESA Certificate
$0
3.56% ▲ 0.83% above Delaware avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.73%▲ 0.83% above avgNationally 2.90%
Details

IRA/ESA; Minimum Balance $100

Rate History
No change since Oct 15, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 15, 2026: 3.56% APYOct 15, 2026Oct 25, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
24 Month Regular Certificate
$0
3.56% ▲ 0.83% above Delaware avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.73%▲ 0.83% above avgNationally 2.90%
Details

Regular Certificates; Minimum Balance $1,000

Rate History
No change since Oct 8, 2026 · 3.56% APY · checked 4 times
3.06%3.56%4.06%Oct 8, 2026: 3.56% APYOct 8, 2026Oct 25, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Certificate of Deposit - 24 Months
$1,000
3.52% ▲ 0.79% above Delaware avg
View
▼
Rate3.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.73%▲ 0.79% above avgNationally 2.90%
Details

Balance: $100,000-$249,999; Rates effective 10/21/2026; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 22, 2026 · 3.52% APY
3.02%3.52%4.02%Oct 22, 2026: 3.52% APYOct 22, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
24 Month 360 CD
$0
3.50% ▲ 0.77% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.73%▲ 0.77% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
2.70%3.90%5.10%Sep 18, 2026: 4.30% APYOct 14, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20263.50%▼ from 4.30%
  • Sep 18, 20264.30%first recorded
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
Certificate of Deposit - Branch - 24 Month
$500
3.50% ▲ 0.77% above Delaware avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.73%▲ 0.77% above avgNationally 2.90%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Certificate of Deposit - 24 Months
$1,000
3.41% ▲ 0.68% above Delaware avg
View
▼
Rate3.37%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.73%▲ 0.68% above avgNationally 2.90%
Details

Balance: Under $100,000; Minimum of $1,000 to open account; Rates effective 10/21/2026

Rate History
No change since Oct 22, 2026 · 3.41% APY
2.91%3.41%3.91%Oct 22, 2026: 3.41% APYOct 22, 2026Oct 25, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
24 Month Regular / IRA
$500
3.40% ▲ 0.67% above Delaware avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.73%▲ 0.67% above avgNationally 2.90%
Details

Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 9 times
2.90%3.40%3.90%Sep 12, 2026: 3.40% APYSep 12, 2026Oct 25, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
24 Month IRA Share Certificate
$500
3.29% ▲ 0.56% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.73%▲ 0.56% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 1.76% → 3.29% ▲ 1.53 pts · high 3.29% / low 1.76%
0.23%2.53%4.82%Sep 14, 2026: 1.76% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.29%▲ from 1.76%
  • Sep 14, 20261.76%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
24 Month Share Certificate
$500
3.29% ▲ 0.56% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.73%▲ 0.56% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 1.66% → 3.29% ▲ 1.63 pts · high 3.29% / low 1.66%
0.03%2.47%4.92%Sep 14, 2026: 1.66% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.29%▲ from 1.66%
  • Sep 14, 20261.66%first recorded
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
2 Year Online CD
$0
3.00% ▲ 0.27% above Delaware avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.73%▲ 0.27% above avgNationally 2.90%
Details

Interest rate 2.96%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 25, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
Share Certificate (24-Month)
$0
2.86% ▲ 0.13% above Delaware avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.73%▲ 0.13% above avgNationally 2.90%
Details

Share Certificates ($1,000 Minimum Balance); Minimum Balance for Dividends: $1,000

Rate History
No change since Sep 21, 2026 · 2.86% APY · checked 7 times
2.36%2.86%3.36%Sep 21, 2026: 2.86% APYSep 21, 2026Oct 25, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
IRA Certificate - Fixed 24 Months
$100
2.84% ▲ 0.11% above Delaware avg
View
▼
Rate2.80%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.73%▲ 0.11% above avgNationally 2.90%
Details

IRA Certificate of Deposit; early withdrawal penalty may be imposed

Rate History
No change since Oct 14, 2026 · 2.84% APY · checked 3 times
2.34%2.84%3.34%Oct 14, 2026: 2.84% APYOct 14, 2026Oct 25, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Certificate of Deposit - 24 Months
$1,000
2.68% ▼ 0.05% below Delaware avg
View
▼
Rate2.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.73%▼ 0.05% below avgNationally 2.90%
Details

Interest Rate 2.65%; Annual Percentage Yield 2.68%

Rate History
No change since Oct 14, 2026 · 2.68% APY · checked 3 times
2.18%2.68%3.18%Oct 14, 2026: 2.68% APYOct 14, 2026Oct 25, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Fixed Rate Certificate of Deposit (CDs) - 24 Months
$0
2.50% ▼ 0.23% below Delaware avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.73%▼ 0.23% below avgNationally 2.90%
Details

APYs accurate as of 07.10.2026

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 25, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Fixed Rate IRA 24 Months
$0
2.50% ▼ 0.23% below Delaware avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.73%▼ 0.23% below avgNationally 2.90%
Details

IRA; penalty may be incurred for early withdrawal

Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 14, 2026: 2.50% APYOct 14, 2026Oct 25, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
Business Share Certificate 2-Year
$500
2.50% ▼ 0.23% below Delaware avg
View
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.73%▼ 0.23% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 9 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 25, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
Share & IRA Certificate 2-Year
$500
2.50% ▼ 0.23% below Delaware avg
View
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.73%▼ 0.23% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 25, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Fixed Rate CD - 24 Month
$2,500
1.50% ▼ 1.23% below Delaware avg
View
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.73%▼ 1.23% below avgNationally 2.90%
Details

Open Online

Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 25, 2026
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificate - 24 Months
$500
1.06% ▼ 1.67% below Delaware avg
View
▼
Rate1.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.73%▼ 1.67% below avgNationally 2.90%
Details

IRA Certificates; $500 minimum; early withdrawal penalty equal to 31 days dividends

Rate History
No change since Sep 14, 2026 · 1.06% APY · checked 7 times
0.56%1.06%1.56%Sep 14, 2026: 1.06% APYSep 14, 2026Oct 25, 2026
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share Certificate - 24 Months
$500
0.50% ▼ 2.23% below Delaware avg
View
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.73%▼ 2.23% below avgNationally 2.90%
Details

Regular Certificates; $500 minimum; early withdrawal penalty equal to 31 days dividends

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 25, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
24 Month Fixed Rate Time Deposit/IRA
$500
0.40% ▼ 2.33% below Delaware avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.73%▼ 2.33% below avgNationally 2.90%
Details

IRA available

Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 7 times
0.00%0.45%0.90%Sep 11, 2026: 0.40% APYSep 11, 2026Oct 25, 2026
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24 Month Share Certificate
$0
0.40% ▼ 2.33% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.73%▼ 2.33% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 9 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 25, 2026
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
IRA Share Certificate 24 Month
$0
0.40% ▼ 2.33% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.73%▼ 2.33% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 25, 2026
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Share Certificate 24 Months
$100
0.20% ▼ 2.53% below Delaware avg
View
▼
Rate0.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Delaware Average2.73%▼ 2.53% below avgNationally 2.90%
Details

Compounded: Monthly; Minimum to Earn APY: $100

Rate History
No change since Oct 13, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 13, 2026: 0.20% APYOct 13, 2026Oct 25, 2026

Georgetown 36 Month CD Rates

Delaware 36 Month CD Average2.37% APYNational 2.81%▲ 0.07% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
21035 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 36-Month
$0
1.01% ▼ 1.36% below Delaware avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.37%▼ 1.36% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 8 times
0.51%1.01%1.51%Sep 18, 2026: 1.01% APYSep 18, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 36 Months
$1,000
0.03% ▼ 2.34% below Delaware avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.37%▼ 2.34% below avgNationally 2.81%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
IRA CD 36 Months
$250
0.03% ▼ 2.34% below Delaware avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.37%▼ 2.34% below avgNationally 2.81%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 36 Months
$1,000
0.02% ▼ 2.35% below Delaware avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.37%▼ 2.35% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
IRA CD 36 Months
$250
0.02% ▼ 2.35% below Delaware avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.37%▼ 2.35% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 36 Months
$1,000
0.01% ▼ 2.36% below Delaware avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.37%▼ 2.36% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
IRA CD 36 Months
$250
0.01% ▼ 2.36% below Delaware avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.37%▼ 2.36% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Online CD - 36 Months
$0
4.50% ▲ 2.13% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.37%▲ 2.13% above avgNationally 2.81%
Details

Rate History
1 change since Oct 7, 2026 · 2.50% → 4.50% ▲ 2.00 pts · high 4.50% / low 2.50%
0.50%3.50%6.50%Oct 7, 2026: 2.50% APYOct 14, 2026: 4.50% APYOct 7, 2026Oct 25, 2026
  • Oct 14, 20264.50%▲ from 2.50%
  • Oct 7, 20262.50%first recorded
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Regular CD - 36 Months
$500
4.25% ▲ 1.88% above Delaware avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.37%▲ 1.88% above avgNationally 2.81%
Details

Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 25, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
36 Month Share/IRA Certificate
$500
4.07% ▲ 1.70% above Delaware avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.37%▲ 1.70% above avgNationally 2.81%
Details

Effective October 8, 2026

Rate History
1 change since Sep 25, 2026 · 3.20% → 4.07% ▲ 0.87 pts · high 4.07% / low 3.20%
2.33%3.64%4.94%Sep 25, 2026: 3.20% APYOct 23, 2026: 4.07% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20264.07%▲ from 3.20%
  • Sep 25, 20263.20%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
36 Month Share Certificate (Jumbo)
$25,000
3.75% ▲ 1.38% above Delaware avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.37%▲ 1.38% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.01% → 3.75% ▲ 1.74 pts · high 3.75% / low 2.01%
0.27%2.88%5.49%Sep 14, 2026: 2.01% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.75%▲ from 2.01%
  • Sep 14, 20262.01%first recorded
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Certificate of Deposit - 36 Months
$1,000
3.63% ▲ 1.26% above Delaware avg
View
▼
Rate3.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.37%▲ 1.26% above avgNationally 2.81%
Details

Balance: $100,000-$249,999; Rates effective 10/21/2026; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 22, 2026 · 3.63% APY
3.13%3.63%4.13%Oct 22, 2026: 3.63% APYOct 22, 2026Oct 25, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Certificate of Deposit - 36 Months
$1,000
3.53% ▲ 1.16% above Delaware avg
View
▼
Rate3.48%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.37%▲ 1.16% above avgNationally 2.81%
Details

Balance: Under $100,000; Minimum of $1,000 to open account; Rates effective 10/21/2026

Rate History
No change since Oct 22, 2026 · 3.53% APY
3.03%3.53%4.03%Oct 22, 2026: 3.53% APYOct 22, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
36 Month 360 CD
$0
3.50% ▲ 1.13% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.37%▲ 1.13% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
2.70%3.90%5.10%Sep 18, 2026: 4.30% APYOct 14, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20263.50%▼ from 4.30%
  • Sep 18, 20264.30%first recorded
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
Certificate of Deposit - Branch - 36 Month
$500
3.50% ▲ 1.13% above Delaware avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.37%▲ 1.13% above avgNationally 2.81%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
36 Month IRA/ESA Certificate
$0
3.45% ▲ 1.08% above Delaware avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.37%▲ 1.08% above avgNationally 2.81%
Details

IRA/ESA; Minimum Balance $100

Rate History
No change since Oct 15, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 15, 2026: 3.45% APYOct 15, 2026Oct 25, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
36 Month Regular Certificate
$0
3.45% ▲ 1.08% above Delaware avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.37%▲ 1.08% above avgNationally 2.81%
Details

Regular Certificates; Minimum Balance $1,000

Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Oct 8, 2026: 3.45% APYOct 8, 2026Oct 25, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
36 Month Regular / IRA
$500
3.40% ▲ 1.03% above Delaware avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.37%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 9 times
2.90%3.40%3.90%Sep 12, 2026: 3.40% APYSep 12, 2026Oct 25, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 36 MONTH
$0
3.40% ▲ 1.03% above Delaware avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.37%▲ 1.03% above avgNationally 2.81%
Details

Minimum deposit $500 consumers, $1,000 business/organizational, $250 under 18; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 25, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
36 Month IRA Share Certificate
$500
3.29% ▲ 0.92% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.37%▲ 0.92% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.01% → 3.29% ▲ 1.28 pts · high 3.29% / low 2.01%
0.73%2.65%4.57%Sep 14, 2026: 2.01% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.29%▲ from 2.01%
  • Sep 14, 20262.01%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
36 Month Share Certificate
$500
3.29% ▲ 0.92% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.37%▲ 0.92% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 1.91% → 3.29% ▲ 1.38 pts · high 3.29% / low 1.91%
0.53%2.60%4.67%Sep 14, 2026: 1.91% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.29%▲ from 1.91%
  • Sep 14, 20261.91%first recorded
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
Share Certificate (36-Month)
$0
3.06% ▲ 0.69% above Delaware avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.37%▲ 0.69% above avgNationally 2.81%
Details

Share Certificates ($1,000 Minimum Balance); Minimum Balance for Dividends: $1,000

Rate History
No change since Sep 21, 2026 · 3.06% APY · checked 7 times
2.56%3.06%3.56%Sep 21, 2026: 3.06% APYSep 21, 2026Oct 25, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
3 Year Online CD
$0
2.75% ▲ 0.38% above Delaware avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.37%▲ 0.38% above avgNationally 2.81%
Details

Interest rate 2.71%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 25, 2026
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Share Certificate - 36 Months
$500
2.52% ▲ 0.15% above Delaware avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.37%▲ 0.15% above avgNationally 2.81%
Details

Regular And IRA Share Certificates ($500 Minimum)

Rate History
No change since Sep 17, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Sep 17, 2026: 2.52% APYSep 17, 2026Oct 25, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
Business Share Certificate 3-Year
$500
2.25% ▼ 0.12% below Delaware avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.37%▼ 0.12% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 25, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
Share & IRA Certificate 3-Year
$500
2.25% ▼ 0.12% below Delaware avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.37%▼ 0.12% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Year TD Choice CD
$250
2.00% ▼ 0.37% below Delaware avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.37%▼ 0.37% below avgNationally 2.81%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Year TD Choice CD - Promotional
$250
2.00% ▼ 0.37% below Delaware avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.37%▼ 0.37% below avgNationally 2.81%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Fixed Rate Certificate of Deposit (CDs) - 36 Months
$0
2.00% ▼ 0.37% below Delaware avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.37%▼ 0.37% below avgNationally 2.81%
Details

APYs accurate as of 07.10.2026

Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Oct 25, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Fixed Rate IRA 36 Months
$0
2.00% ▼ 0.37% below Delaware avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.37%▼ 0.37% below avgNationally 2.81%
Details

IRA; penalty may be incurred for early withdrawal

Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Year TD Choice CD
$250
1.99% ▼ 0.38% below Delaware avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.37%▼ 0.38% below avgNationally 2.81%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Year TD Choice CD - Non-Promotional
$250
1.99% ▼ 0.38% below Delaware avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.37%▼ 0.38% below avgNationally 2.81%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Fixed Rate CD - 36 Month
$2,500
1.00% ▼ 1.37% below Delaware avg
View
▼
Rate1.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.37%▼ 1.37% below avgNationally 2.81%
Details

Open Online

Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Oct 25, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
36 Month Fixed Rate Time Deposit/IRA
$500
0.40% ▼ 1.97% below Delaware avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.37%▼ 1.97% below avgNationally 2.81%
Details

IRA available

Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 7 times
0.00%0.45%0.90%Sep 11, 2026: 0.40% APYSep 11, 2026Oct 25, 2026
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Share Certificate 36 Months
$100
0.25% ▼ 2.12% below Delaware avg
View
▼
Rate0.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Delaware Average2.37%▼ 2.12% below avgNationally 2.81%
Details

Compounded: Monthly; Minimum to Earn APY: $100

Rate History
No change since Oct 13, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 13, 2026: 0.25% APYOct 13, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Year TD Step Rate CD
$0
0.10% ▼ 2.27% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.37%▼ 2.27% below avgNationally 2.81%
Details

No longer for sale; composite APY; Year 1: 0.05%; Year 2: 0.10%; Year 3: 0.15%

Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Oct 14, 2026: 0.10% APYOct 14, 2026Oct 25, 2026
edU Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.00%
3 Year Share Certificates
$500
0.10% ▼ 2.27% below Delaware avg
View
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.37%▼ 2.27% below avgNationally 2.81%
Details

No dividend paid for early withdrawal; Effective July 23, 2021

Rate History
No change since Sep 12, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 12, 2026: 0.10% APYSep 12, 2026Oct 25, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 36 Month
$1,000
0.05% ▼ 2.32% below Delaware avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.37%▼ 2.32% below avgNationally 2.81%
Details

Rates effective 10/20/2026; APY assumes interest remains on deposit until maturity

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 25, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo Certificate of Deposit - 36 Month
$95,000
0.05% ▼ 2.32% below Delaware avg
View
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.37%▼ 2.32% below avgNationally 2.81%
Details

Rates effective 10/20/2026; APY assumes interest remains on deposit until maturity

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 25, 2026

Georgetown 48 Month CD Rates

Delaware 48 Month CD Average2.48% APYNational 2.81%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
21035 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 48-Month
$0
1.01% ▼ 1.47% below Delaware avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.48%▼ 1.47% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 8 times
0.51%1.01%1.51%Sep 18, 2026: 1.01% APYSep 18, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 48 Months
$1,000
0.03% ▼ 2.45% below Delaware avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.48%▼ 2.45% below avgNationally 2.81%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
IRA CD 48 Months
$250
0.03% ▼ 2.45% below Delaware avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.48%▼ 2.45% below avgNationally 2.81%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 48 Months
$1,000
0.02% ▼ 2.46% below Delaware avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.48%▼ 2.46% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
IRA CD 48 Months
$250
0.02% ▼ 2.46% below Delaware avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.48%▼ 2.46% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 48 Months
$1,000
0.01% ▼ 2.47% below Delaware avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.48%▼ 2.47% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
IRA CD 48 Months
$250
0.01% ▼ 2.47% below Delaware avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.48%▼ 2.47% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Online CD - 48 Months
$0
4.50% ▲ 2.02% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.48%▲ 2.02% above avgNationally 2.81%
Details

Rate History
1 change since Oct 7, 2026 · 2.50% → 4.50% ▲ 2.00 pts · high 4.50% / low 2.50%
0.50%3.50%6.50%Oct 7, 2026: 2.50% APYOct 14, 2026: 4.50% APYOct 7, 2026Oct 25, 2026
  • Oct 14, 20264.50%▲ from 2.50%
  • Oct 7, 20262.50%first recorded
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
48 Month Share/IRA Certificate
$500
4.07% ▲ 1.59% above Delaware avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.48%▲ 1.59% above avgNationally 2.81%
Details

Effective October 8, 2026

Rate History
1 change since Sep 25, 2026 · 3.30% → 4.07% ▲ 0.77 pts · high 4.07% / low 3.30%
2.53%3.69%4.84%Sep 25, 2026: 3.30% APYOct 23, 2026: 4.07% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20264.07%▲ from 3.30%
  • Sep 25, 20263.30%first recorded
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Regular CD - 48 Months
$500
3.75% ▲ 1.27% above Delaware avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.48%▲ 1.27% above avgNationally 2.81%
Details

Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 25, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
48 Month Share Certificate (Jumbo)
$25,000
3.75% ▲ 1.27% above Delaware avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.48%▲ 1.27% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.27% → 3.75% ▲ 1.48 pts · high 3.75% / low 2.27%
0.79%3.01%5.23%Sep 14, 2026: 2.27% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.75%▲ from 2.27%
  • Sep 14, 20262.27%first recorded
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Certificate of Deposit - 48 Months
$1,000
3.69% ▲ 1.21% above Delaware avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.48%▲ 1.21% above avgNationally 2.81%
Details

Balance: $100,000-$249,999; Rates effective 10/21/2026; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 22, 2026 · 3.69% APY
3.19%3.69%4.19%Oct 22, 2026: 3.69% APYOct 22, 2026Oct 25, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
Certificate of Deposit - Branch - 48 Month
$500
3.60% ▲ 1.12% above Delaware avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.48%▲ 1.12% above avgNationally 2.81%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 25, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Certificate of Deposit - 48 Months
$1,000
3.59% ▲ 1.11% above Delaware avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.48%▲ 1.11% above avgNationally 2.81%
Details

Balance: Under $100,000; Minimum of $1,000 to open account; Rates effective 10/21/2026

Rate History
No change since Oct 22, 2026 · 3.59% APY
3.09%3.59%4.09%Oct 22, 2026: 3.59% APYOct 22, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
48 Month 360 CD
$0
3.50% ▲ 1.02% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.48%▲ 1.02% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
2.70%3.90%5.10%Sep 18, 2026: 4.30% APYOct 14, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20263.50%▼ from 4.30%
  • Sep 18, 20264.30%first recorded
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
48 Month Regular / IRA
$500
3.40% ▲ 0.92% above Delaware avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.48%▲ 0.92% above avgNationally 2.81%
Details

Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 9 times
2.90%3.40%3.90%Sep 12, 2026: 3.40% APYSep 12, 2026Oct 25, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 48 MONTH
$0
3.40% ▲ 0.92% above Delaware avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.48%▲ 0.92% above avgNationally 2.81%
Details

Minimum deposit $500 consumers, $1,000 business/organizational, $250 under 18; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 25, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
48 Month IRA/ESA Certificate
$0
3.35% ▲ 0.87% above Delaware avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.48%▲ 0.87% above avgNationally 2.81%
Details

IRA/ESA; Minimum Balance $100

Rate History
No change since Oct 15, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 15, 2026: 3.35% APYOct 15, 2026Oct 25, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
48 Month Regular Certificate
$0
3.35% ▲ 0.87% above Delaware avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.48%▲ 0.87% above avgNationally 2.81%
Details

Regular Certificates; Minimum Balance $1,000

Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Oct 8, 2026: 3.35% APYOct 8, 2026Oct 25, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
48 Month IRA Share Certificate
$500
3.29% ▲ 0.81% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.48%▲ 0.81% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.27% → 3.29% ▲ 1.02 pts · high 3.29% / low 2.27%
1.25%2.78%4.31%Sep 14, 2026: 2.27% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.29%▲ from 2.27%
  • Sep 14, 20262.27%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
48 Month Share Certificate
$500
3.29% ▲ 0.81% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.48%▲ 0.81% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.17% → 3.29% ▲ 1.12 pts · high 3.29% / low 2.17%
1.05%2.73%4.41%Sep 14, 2026: 2.17% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.29%▲ from 2.17%
  • Sep 14, 20262.17%first recorded
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
Share Certificate (48-Month)
$0
3.11% ▲ 0.63% above Delaware avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.48%▲ 0.63% above avgNationally 2.81%
Details

Share Certificates ($1,000 Minimum Balance); Minimum Balance for Dividends: $1,000

Rate History
No change since Sep 21, 2026 · 3.11% APY · checked 7 times
2.61%3.11%3.61%Sep 21, 2026: 3.11% APYSep 21, 2026Oct 25, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
4 Year Online CD
$0
2.75% ▲ 0.27% above Delaware avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.48%▲ 0.27% above avgNationally 2.81%
Details

Interest rate 2.71%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 25, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
Business Share Certificate 4-Year
$500
2.25% ▼ 0.23% below Delaware avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.48%▼ 0.23% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 25, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
Share & IRA Certificate 4-Year
$500
2.25% ▼ 0.23% below Delaware avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.48%▼ 0.23% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 25, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Fixed Rate Certificate of Deposit (CDs) - 48 Months
$0
2.00% ▼ 0.48% below Delaware avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.48%▼ 0.48% below avgNationally 2.81%
Details

APYs accurate as of 07.10.2026

Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Oct 25, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Fixed Rate IRA 48 Months
$0
2.00% ▼ 0.48% below Delaware avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.48%▼ 0.48% below avgNationally 2.81%
Details

IRA; penalty may be incurred for early withdrawal

Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
4 Year TD Choice CD
$0
1.99% ▼ 0.49% below Delaware avg
View
▼
Rate1.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.48%▼ 0.49% below avgNationally 2.81%
Details

No Longer for Sale

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
4 Year TD Choice CD (No Longer for Sale)
$0
1.99% ▼ 0.49% below Delaware avg
View
▼
Rate1.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.48%▼ 0.49% below avgNationally 2.81%
Details

No longer for sale

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Fixed Rate CD - 48 Month
$2,500
0.75% ▼ 1.73% below Delaware avg
View
▼
Rate0.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.48%▼ 1.73% below avgNationally 2.81%
Details

Open Online

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 25, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
48 Month Fixed Rate Time Deposit/IRA
$500
0.40% ▼ 2.08% below Delaware avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.48%▼ 2.08% below avgNationally 2.81%
Details

IRA available

Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 7 times
0.00%0.45%0.90%Sep 11, 2026: 0.40% APYSep 11, 2026Oct 25, 2026
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Share Certificate 48 Months
$100
0.30% ▼ 2.18% below Delaware avg
View
▼
Rate0.30%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Delaware Average2.48%▼ 2.18% below avgNationally 2.81%
Details

Compounded: Monthly; Minimum to Earn APY: $100

Rate History
No change since Oct 13, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Oct 13, 2026: 0.30% APYOct 13, 2026Oct 25, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 48 Month
$1,000
0.05% ▼ 2.43% below Delaware avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.48%▼ 2.43% below avgNationally 2.81%
Details

Rates effective 10/20/2026; APY assumes interest remains on deposit until maturity

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 25, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo Certificate of Deposit - 48 Month
$95,000
0.05% ▼ 2.43% below Delaware avg
View
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.48%▼ 2.43% below avgNationally 2.81%
Details

Rates effective 10/20/2026; APY assumes interest remains on deposit until maturity

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 25, 2026

Georgetown 60 Month CD Rates

Delaware 60 Month CD Average2.24% APYNational 2.92%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
21035 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 60-Month
$0
1.01% ▼ 1.23% below Delaware avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.24%▼ 1.23% below avgNationally 2.92%
Details

Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 8 times
0.51%1.01%1.51%Sep 18, 2026: 1.01% APYSep 18, 2026Oct 25, 2026
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
13 N Bedford St, Georgetown, DE 19947
60 Month Certificate of Deposit OR IRA
$500
0.40% ▼ 1.84% below Delaware avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.24%▼ 1.84% below avgNationally 2.92%
Details

Rate History
No change since Sep 7, 2026 · 0.40% APY · checked 10 times
0.00%0.45%0.90%Sep 7, 2026: 0.40% APYSep 7, 2026Oct 25, 2026
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
13 N Bedford St, Georgetown, DE 19947
Jumbo 60 Month Certificate of Deposit OR IRA
$100,000
0.40% ▼ 1.84% below Delaware avg
View
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.24%▼ 1.84% below avgNationally 2.92%
Details

Rate History
No change since Oct 20, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Oct 20, 2026: 0.40% APYOct 20, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 60 Months
$1,000
0.03% ▼ 2.21% below Delaware avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.24%▼ 2.21% below avgNationally 2.92%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
IRA CD 60 Months
$250
0.03% ▼ 2.21% below Delaware avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.24%▼ 2.21% below avgNationally 2.92%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 60 Months
$1,000
0.02% ▼ 2.22% below Delaware avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.24%▼ 2.22% below avgNationally 2.92%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
IRA CD 60 Months
$250
0.02% ▼ 2.22% below Delaware avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.24%▼ 2.22% below avgNationally 2.92%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit - 60 Months
$1,000
0.01% ▼ 2.23% below Delaware avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.24%▼ 2.23% below avgNationally 2.92%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
20915 Dupont Blvd, Georgetown, DE 19947
IRA CD 60 Months
$250
0.01% ▼ 2.23% below Delaware avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.24%▼ 2.23% below avgNationally 2.92%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Online CD - 60 Months
$0
4.75% ▲ 2.51% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.24%▲ 2.51% above avgNationally 2.92%
Details

Rate History
1 change since Oct 7, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Oct 7, 2026: 4.25% APYOct 14, 2026: 4.75% APYOct 7, 2026Oct 25, 2026
  • Oct 14, 20264.75%▲ from 4.25%
  • Oct 7, 20264.25%first recorded
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
60 Month Share/IRA Certificate
$500
4.07% ▲ 1.83% above Delaware avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.24%▲ 1.83% above avgNationally 2.92%
Details

Effective October 8, 2026

Rate History
1 change since Sep 25, 2026 · 3.45% → 4.07% ▲ 0.62 pts · high 4.07% / low 3.45%
2.83%3.76%4.69%Sep 25, 2026: 3.45% APYOct 23, 2026: 4.07% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20264.07%▲ from 3.45%
  • Sep 25, 20263.45%first recorded
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Regular CD - 60 Months
$500
3.75% ▲ 1.51% above Delaware avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.24%▲ 1.51% above avgNationally 2.92%
Details

Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 25, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
60 Month Share Certificate (Jumbo)
$25,000
3.75% ▲ 1.51% above Delaware avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.24%▲ 1.51% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 2.52% → 3.75% ▲ 1.23 pts · high 3.75% / low 2.52%
1.29%3.14%4.98%Sep 14, 2026: 2.52% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.75%▲ from 2.52%
  • Sep 14, 20262.52%first recorded
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Certificate of Deposit - 60 Months
$1,000
3.70% ▲ 1.46% above Delaware avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.24%▲ 1.46% above avgNationally 2.92%
Details

Balance: $100,000-$249,999; Rates effective 10/21/2026; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 22, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 22, 2026: 3.70% APYOct 22, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5-year online CDs
$0
3.60% ▲ 1.36% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.24%▲ 1.36% above avgNationally 2.92%
Details

Online CD

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
60 Month 360 CD
$0
3.60% ▲ 1.36% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.24%▲ 1.36% above avgNationally 2.92%
Details

5-year online CD

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 25, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Certificate of Deposit - 60 Months
$1,000
3.60% ▲ 1.36% above Delaware avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.24%▲ 1.36% above avgNationally 2.92%
Details

Balance: Under $100,000; Minimum of $1,000 to open account; Rates effective 10/21/2026

Rate History
No change since Oct 22, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 22, 2026: 3.60% APYOct 22, 2026Oct 25, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Rising Rate (CDs + IRAs) - 60 Months
$500
3.50% ▲ 1.26% above Delaware avg
View
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.24%▲ 1.26% above avgNationally 2.92%
Details

Minimum to open for IRAs: $250

Rate History
1 change since Sep 24, 2026 · 2.50% → 3.50% ▲ 1.00 pts · high 3.50% / low 2.50%
1.50%3.00%4.50%Sep 24, 2026: 2.50% APYOct 20, 2026: 3.50% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20263.50%▲ from 2.50%
  • Sep 24, 20262.50%first recorded
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
60 Month Regular / IRA
$500
3.40% ▲ 1.16% above Delaware avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.24%▲ 1.16% above avgNationally 2.92%
Details

Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 9 times
2.90%3.40%3.90%Sep 12, 2026: 3.40% APYSep 12, 2026Oct 25, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 60 MONTH
$0
3.40% ▲ 1.16% above Delaware avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.24%▲ 1.16% above avgNationally 2.92%
Details

Minimum deposit $500 consumers, $1,000 business/organizational, $250 under 18; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 25, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
60 Month IRA/ESA Certificate
$0
3.35% ▲ 1.11% above Delaware avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.24%▲ 1.11% above avgNationally 2.92%
Details

IRA/ESA; Minimum Balance $100

Rate History
No change since Oct 15, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 15, 2026: 3.35% APYOct 15, 2026Oct 25, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
60 Month Regular Certificate
$0
3.35% ▲ 1.11% above Delaware avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.24%▲ 1.11% above avgNationally 2.92%
Details

Regular Certificates; Minimum Balance $1,000

Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Oct 8, 2026: 3.35% APYOct 8, 2026Oct 25, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
60 Month IRA Share Certificate
$500
3.29% ▲ 1.05% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.24%▲ 1.05% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 2.52% → 3.29% ▲ 0.77 pts · high 3.29% / low 2.52%
1.75%2.91%4.06%Sep 14, 2026: 2.52% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.29%▲ from 2.52%
  • Sep 14, 20262.52%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
60 Month Share Certificate
$500
3.29% ▲ 1.05% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.24%▲ 1.05% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 2.42% → 3.29% ▲ 0.87 pts · high 3.29% / low 2.42%
1.55%2.86%4.16%Sep 14, 2026: 2.42% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.29%▲ from 2.42%
  • Sep 14, 20262.42%first recorded
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
5 Year Online CD
$0
2.75% ▲ 0.51% above Delaware avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.24%▲ 0.51% above avgNationally 2.92%
Details

Interest rate 2.71%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 25, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
Online CD - 5 Year
$0
2.75% ▲ 0.51% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.24%▲ 0.51% above avgNationally 2.92%
Details

Online CD; Open online; APY accurate as of 07/28/2026

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 25, 2026
Shore United Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Certificate of Deposit - 60 Month
$500
2.50% ▲ 0.26% above Delaware avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.24%▲ 0.26% above avgNationally 2.92%
Details

Rates effective as of 06/25/26; withdrawals during term subject to penalty of 90 days of interest

Rate History
No change since Oct 20, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 20, 2026: 2.50% APYOct 20, 2026Oct 25, 2026
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
Certificate of Deposit (CDs) - 60 Months
$500
2.50% ▲ 0.26% above Delaware avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.24%▲ 0.26% above avgNationally 2.92%
Details

Minimum balance to obtain APY: $500.00

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 25, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
Business Share Certificate 5-Year
$500
2.25% ▲ 0.01% above Delaware avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.24%▲ 0.01% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 25, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
Share & IRA Certificate 5-Year
$500
2.25% ▲ 0.01% above Delaware avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.24%▲ 0.01% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 25, 2026
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Share Certificate - 60 Months
$500
2.01% ▼ 0.23% below Delaware avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.24%▼ 0.23% below avgNationally 2.92%
Details

Regular And IRA Share Certificates ($500 Minimum)

Rate History
No change since Sep 17, 2026 · 2.01% APY · checked 2 times
1.51%2.01%2.51%Sep 17, 2026: 2.01% APYSep 17, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
5 Year TD Choice CD
$250
2.00% ▼ 0.24% below Delaware avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.24%▼ 0.24% below avgNationally 2.92%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
5 Year TD Choice CD - Promotional
$250
2.00% ▼ 0.24% below Delaware avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.24%▼ 0.24% below avgNationally 2.92%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Fixed Rate Certificate of Deposit (CDs) - 60 Months
$0
2.00% ▼ 0.24% below Delaware avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.24%▼ 0.24% below avgNationally 2.92%
Details

APYs accurate as of 07.10.2026

Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Oct 25, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Fixed Rate IRA 60 Months
$0
2.00% ▼ 0.24% below Delaware avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.24%▼ 0.24% below avgNationally 2.92%
Details

IRA; penalty may be incurred for early withdrawal

Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
5 Year TD Choice CD
$250
1.99% ▼ 0.25% below Delaware avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Delaware Average2.24%▼ 0.25% below avgNationally 2.92%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
5 Year TD Choice CD - Non-Promotional
$250
1.99% ▼ 0.25% below Delaware avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.24%▼ 0.25% below avgNationally 2.92%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Fixed Rate CD - 60 Month
$2,500
0.75% ▼ 1.49% below Delaware avg
View
▼
Rate0.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.24%▼ 1.49% below avgNationally 2.92%
Details

Open Online

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 25, 2026
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
60 Month Share Certificate
$0
0.55% ▼ 1.69% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.24%▼ 1.69% below avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 9 times
0.05%0.55%1.05%Sep 14, 2026: 0.55% APYSep 14, 2026Oct 25, 2026
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
IRA Share Certificate 60 Month
$0
0.55% ▼ 1.69% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.24%▼ 1.69% below avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 4 times
0.05%0.55%1.05%Sep 14, 2026: 0.55% APYSep 14, 2026Oct 25, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
60 Month Fixed Rate Time Deposit/IRA
$500
0.40% ▼ 1.84% below Delaware avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.24%▼ 1.84% below avgNationally 2.92%
Details

IRA available

Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 7 times
0.00%0.45%0.90%Sep 11, 2026: 0.40% APYSep 11, 2026Oct 25, 2026
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Share Certificate 60 Months
$100
0.35% ▼ 1.89% below Delaware avg
View
▼
Rate0.35%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Delaware Average2.24%▼ 1.89% below avgNationally 2.92%
Details

Compounded: Monthly; Minimum to Earn APY: $100

Rate History
No change since Oct 13, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 13, 2026: 0.35% APYOct 13, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
5 Year TD Step Rate CD
$0
0.15% ▼ 2.09% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.24%▼ 2.09% below avgNationally 2.92%
Details

No longer for sale; composite APY; Year 1: 0.05%; Year 2: 0.10%; Year 3: 0.15%; Year 4: 0.20%; Year 5: 0.25%

Rate History
No change since Oct 14, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Oct 14, 2026: 0.15% APYOct 14, 2026Oct 25, 2026
edU Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.00%
5 Year Share Certificates
$500
0.15% ▼ 2.09% below Delaware avg
View
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Delaware Average2.24%▼ 2.09% below avgNationally 2.92%
Details

No dividend paid for early withdrawal; Effective July 23, 2021

Rate History
No change since Sep 12, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 12, 2026: 0.15% APYSep 12, 2026Oct 25, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 60 Month
$1,000
0.05% ▼ 2.19% below Delaware avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.24%▼ 2.19% below avgNationally 2.92%
Details

Rates effective 10/20/2026; APY assumes interest remains on deposit until maturity

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 25, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo Certificate of Deposit - 60 Month
$95,000
0.05% ▼ 2.19% below Delaware avg
View
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Delaware Average2.24%▼ 2.19% below avgNationally 2.92%
Details

Rates effective 10/20/2026; APY assumes interest remains on deposit until maturity

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 25, 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 Georgetown, Delaware Institutions

Highest verified APYs available today, updated October 23, 2026

B Top 5 Bank Rates
County Bank Rehoboth Beach, DE
18 Month Certificate of Deposit OR IRA
A+ 5.0 ★ TX: 1.58%
Min: $500
4.10%
M&T Bank
18 MONTH SELECT Certificate of Deposit
A+ 5.0 ★ TX: 4.11%
Min: $1,000
3.85%
Fulton Bank
Certificate of Deposit - 36-Month
A+ 5.0 ★ TX: 4.85%
Min: $0
1.01%
PNC Bank
Certificate of Deposit - 12 Months
A+ 5.0 ★ TX: 4.24%
Min: $1,000
0.03%
Barclays Bank
Online CD - 24 Months
A 5.0 ★ TX: 8.21%
Min: $0
4.75%
CU Top 5 Credit Union Rates
Delaware State Police Federal Credit Union
Share Certificate - 12 Months
A+ 5.0 ★ TX: 4.25%
Min: $0
3.72%
Franklin Mint Federal Credit Union
Certificate - 18 MONTH
A 5.0 ★ TX: 6.91%
Min: $0
4.35%
Tidemark Federal Credit Union
Share Certificate - 12 Months
A+ 5.0 ★ TX: 1.21%
Min: $500
4.10%
Eagle One Federal Credit Union
36 Month Share/IRA Certificate
B+ 4.8 ★ TX: 17.62%
Min: $500
4.07%
Dexsta Federal Credit Union
18 Month IRA/ESA Certificate
A 5.0 ★ TX: 6.88%
Min: $0
4.07%
Rates verified October 23, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Georgetown, DE CD Rate Trends

Compare local Georgetown, 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
2.902%
▲ 0.077 vs 7 days ago

Delaware 12-month CD rates rose 0.077 points over the past 7 days to 2.902% APY.

6-Month CD DE Avg
2.654%
▲ 0.036 vs 7 days ago

Delaware 6-month CD rates rose 0.036 points over the past 7 days to 2.654% APY.

As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions

DE CD Rate Forecast, Next 12 Months

Where are Delaware CD rates headed through October 2027?

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

DE 12-Month Avg APY
2.902%
6-Month Forecast
2.902%
Range: 2.70%, 3.05%
12-Month Forecast
3.152%
Range: 2.95%, 3.30%

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 1.47% 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.

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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 2.120% $106.00 $212.01 $530.03 $1,060.05
6-Month CD 2.654% $132.72 $265.43 $663.58 $1,327.15
12-Month CD 2.902% $145.10 $290.19 $725.48 $1,450.95
18-Month CD 3.063% $153.14 $306.28 $765.70 $1,531.40
24-Month CD 2.734% $136.70 $273.39 $683.48 $1,366.95
36-Month CD 2.374% $118.70 $237.40 $593.50 $1,187.00
48-Month CD 2.478% $123.88 $247.76 $619.40 $1,238.80
60-Month CD 2.240% $111.98 $223.96 $559.90 $1,119.80
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026.
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Sample CD Ladder for Georgetown, 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 2.120% $106.00
2 6-Month CD $5,000 2.654% $132.72
3 12-Month CD $5,000 2.902% $145.10
4 24-Month CD $5,000 2.734% $136.70
5 36-Month CD $5,000 2.374% $118.70
Total ($25,000 invested) $25,000 2.557% blended $639.22/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.

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421
CD Rates
Tracked in Georgetown, Delaware
23 Banks 13 Credit Unions

About Our Georgetown, Delaware CD Rate Database

MonitorBankRates tracks 421 CD rates from 23 banks and 13 credit unions with locations in Georgetown, 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 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: County Bank Rehoboth Beach, DE offers a CD at 4.10% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Georgetown, Delaware.

How to Find the Best CD Rates in Georgetown, Delaware

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

To find the best APYs in Georgetown, Delaware, start with credit unions and online-only banks: Georgetown, 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 Georgetown, 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 Georgetown, Delaware: 36 institutions here report CD rates

Consider an Alternative If…

Georgetown, Delaware Financial Snapshot

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

Population 65+
18.7%
National avg: 17.3%
Median Individual Earnings
$32,006
National avg: $47,340
Poverty Rate
16.8%
National avg: 11.1%
Unemployment Rate
3.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$93/yr
At DE 12-mo avg 2.902% APY

18.7% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.7% reflects a strong local economy. At today’s DE 12-month CD average of 2.902%, saving 10% of the local median salary ($3,200/year) and putting it in a CD would earn an additional $93 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 Georgetown, 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 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Georgetown, 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 Georgetown, 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 Georgetown, Delaware as everywhere in the U.S.

Choosing a CD Term in Georgetown, 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 Georgetown, Delaware savers easier access to their funds. For example, Delaware State Police Federal Credit Union is offering its Share Certificate - 6 Months at 3.56% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Fulton Bank is offering its Certificate of Deposit - 60-Month at 1.01% 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 Georgetown, 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 Georgetown, 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 Georgetown, 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 Georgetown, 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 Georgetown, Delaware

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

Are CD rates in Georgetown, Delaware FDIC insured?

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

Here are recent top rates found for this area:
  • County Bank Rehoboth Beach, DE: 4.10% APY (18 Month Certificate of Deposit OR IRA)
  • M&T Bank: 3.85% APY (18 MONTH SELECT Certificate of Deposit)
  • Delaware State Police Federal Credit Union: 3.72% APY (Share Certificate - 12 Months)
  • Fulton Bank: 1.01% APY (Certificate of Deposit - 36-Month)
  • PNC Bank: 0.03% APY (Certificate of Deposit - 12 Months)
  • Barclays Bank: 4.75% APY (Online CD - 24 Months)
  • HSBC Trust Company (Delaware): 4.60% APY (New Money CD - 24 Month)
  • Comenity Bank: 4.45% APY (Retirement CD - 1-year)
  • SFGI Direct: 4.40% APY (18-Month CD)
  • Franklin Mint Federal Credit Union: 4.35% APY (Certificate - 18 MONTH)
Rates reflect recent verified offers available in Georgetown, Delaware. Last Updated: October 23, 2026

Georgetown, 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 Georgetown, 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 to 180 days of interest. Estimates are for informational purposes only.

Top Georgetown, Delaware CD Rates by Term

Verified October 23, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Georgetown, Delaware. Averages shown use the Delaware state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Georgetown, Delaware

Georgetown, Delaware CD Calculator

At today’s DE top rate of 4.10% APY, a $10,000 deposit earns $410 in the first year. Enter your amount to see your exact return.

Georgetown, Delaware CD Ladder

DE CD rates currently range from 2.120% (3-month) to 2.374% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Georgetown, Delaware CD at 4.10% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Delaware’s average 12-month CD is 2.902% 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 Georgetown, 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 Georgetown, 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 Georgetown, 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: October 23, 2026

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