Middletown, Delaware Best CD Rates October 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
Middletown, Delaware CD rates range from 0.01% to 4.75% APY, verified by MonitorBankRates as of October 14, 2026. Current Middletown, Delaware CD rates include Dexsta Federal Credit UnionDexsta Federal Credit Union110 Sandhill Dr, Middletown, DE 19709 5806A5.0 ★Texas Ratio: 6.88%Real return: +1.27%APY minus CPI (February 2026) offering 18 Month Regular Certificates at 4.07% APY, Dover Federal Credit UnionDover Federal Credit Union330 Dove Run Centre Dr, Middletown, DE 19709A5.0 ★Texas Ratio: 8.00%Real return: +1.20%APY minus CPI (February 2026) offering 1 Year Business Share Certificates at 4.00% APY, M&T BankM&T Bank399 E Main St, Middletown, DE 19709A+5.0 ★Texas Ratio: 4.11%Real return: +1.05%APY minus CPI (February 2026) offering 18 Month Select Certificate of Deposit at 3.85% APY, Citizens AccessCitizens Access460 E Main St, Middletown, DE 19709A+5.0 ★Texas Ratio: 5.44%Real return: +0.45%APY minus CPI (February 2026) offering 1 Year Online CD at 3.25% APY, and American Spirit Federal Credit UnionAmerican Spirit Federal Credit Union98 Sandhill Dr, middletown, DE 19709 5853A5.0 ★Texas Ratio: 7.98%Real return: +0.31%APY minus CPI (February 2026) offering Share Certificate (48-Month) at 3.11% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Middletown has 111 local institutions in our database, with CD rates as high as 4.07% APY from Dexsta Federal Credit Union at 110 Sandhill Dr, Middletown, DE 19709 5806. 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 14, 2026
Compare Best CD Rates in Middletown, Delaware & the Surrounding Area
Middletown 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
400 E Main St, Middletown, DE 19709
Fixed Rate CD - 3 Month
$2,500
3.00%
▲ 1.05% above Delaware avg
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average1.95%▲ 1.05% above avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
804 Kohl Ave, Middletown, DE 19709
3 Month CD
$0
1.00%
▼ 0.95% below Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average1.95%▼ 0.95% below avgNationally 2.09%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
804 Kohl Ave, Middletown, DE 19709
3 Month TD Choice CD
$0
1.00%
▼ 0.95% below Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average1.95%▼ 0.95% below avgNationally 2.09%
Details
Balance: $250.00 - $9,999.99; Standard APY
Rate History
No change since Oct 2, 2026 · 1.00% APY · checked 2 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
468 W Main St, Middletown, DE 19709
3 Month Certificates of Deposit
$0
0.70%
▼ 1.25% below Delaware avg
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average1.95%▼ 1.25% below avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 7 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
310 Dove Run Centre Dr, Middletown, DE 19709
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 1.89% below Delaware avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average1.95%▼ 1.89% below avgNationally 2.09%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
310 Dove Run Centre Dr, Middletown, DE 19709
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.90% below Delaware avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average1.95%▼ 1.90% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
3 Month Certificate of Deposit
$0
0.03%
▼ 1.92% below Delaware avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average1.95%▼ 1.92% below avgNationally 2.09%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
3 Month Certificate of Deposit
$0
0.02%
▼ 1.93% below Delaware avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average1.95%▼ 1.93% below avgNationally 2.09%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
3 Month Certificate of Deposit
$0
0.01%
▼ 1.94% below Delaware avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average1.95%▼ 1.94% below avgNationally 2.09%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
Comenity Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.12%
3-month CD
$1,500
3.95%
▲ 2.00% above Delaware avg
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average1.95%▲ 2.00% above avgNationally 2.09%
Details
A penalty will be imposed for early withdrawals on CDs. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.
Rate History
1 change since Sep 19, 2026 · 3.90% → 3.95% ▲ 0.05 pts · high 3.95% / low 3.90%
- Oct 11, 20263.95%▲ from 3.90%
- Sep 19, 20263.90%first recorded
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
3 Month Certificate of Deposit - Branch
$0
3.75%
▲ 1.80% above Delaware avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average1.95%▲ 1.80% above avgNationally 2.09%
Details
Branch Only
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 4 times
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
3 Month Regular / IRA
$500
3.50%
▲ 1.55% above Delaware avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average1.95%▲ 1.55% above avgNationally 2.09%
Details
Regular / IRA
Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 7 times
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 3 MONTH
$0
3.50%
▲ 1.55% above Delaware avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average1.95%▲ 1.55% above avgNationally 2.09%
Details
Penalty may be imposed for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
3 Month IRA Certificate
$500
3.14%
▲ 1.19% above Delaware avg
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average1.95%▲ 1.19% above avgNationally 2.09%
Details
Rate History
No change since Oct 8, 2026 · 3.14% APY · checked 2 times
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Certificate of Deposit - 3 Months
$1,000
3.00%
▲ 1.05% above Delaware avg
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average1.95%▲ 1.05% above avgNationally 2.09%
Details
Rate History
No change since Oct 14, 2026 · 3.00% APY
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3 Month Fixed Rate Certificate of Deposit (CDs)
$0
2.50%
▲ 0.55% above Delaware avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average1.95%▲ 0.55% above avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Month TD Choice CD (Promotional)
$250
2.00%
▲ 0.05% above Delaware avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average1.95%▲ 0.05% above avgNationally 2.09%
Details
Same rate all balance tiers
Rate History
No change since Oct 11, 2026 · 2.00% APY
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Month TD Choice CD (Non-Promotional)
$250
1.99%
▲ 0.04% above Delaware avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average1.95%▲ 0.04% above avgNationally 2.09%
Details
Rate History
No change since Oct 11, 2026 · 1.99% APY
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Month - Relationship
$0
1.00%
▼ 0.95% below Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average1.95%▼ 0.95% below avgNationally 2.09%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Month Certificate
$0
1.00%
▼ 0.95% below Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average1.95%▼ 0.95% below avgNationally 2.09%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 7 times
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Month TD Choice CD
$250
1.00%
▼ 0.95% below Delaware avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average1.95%▼ 0.95% below avgNationally 2.09%
Details
Balance: $250.00 - $9,999.99; Relationship APY
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
3 Month Share Certificate
$0
0.20%
▼ 1.75% below Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average1.95%▼ 1.75% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 7 times
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
90 Day Fixed Rate Time Deposit/IRA
$500
0.10%
▼ 1.85% below Delaware avg
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average1.95%▼ 1.85% below avgNationally 2.09%
Details
Rate History
No change since Sep 11, 2026 · 0.10% APY · checked 6 times
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
90 Day Certificate of Deposit
$1,000
0.05%
▼ 1.90% below Delaware avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average1.95%▼ 1.90% below avgNationally 2.09%
Details
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
90 Day Jumbo Certificate of Deposit
$95,000
0.05%
▼ 1.90% below Delaware avg
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average1.95%▼ 1.90% below avgNationally 2.09%
Details
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
Middletown 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
330 Dove Run Centre Dr, Middletown, DE 19709
6 Month Share & IRA Certificates
$500
3.75%
▲ 1.18% above Delaware avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.57%▲ 1.18% above avgNationally 2.77%
Details
Not available on IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
400 E Main St, Middletown, DE 19709
Fixed Rate CD - 6 Month
$2,500
3.00%
▲ 0.43% above Delaware avg
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.57%▲ 0.43% above avgNationally 2.77%
Details
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
804 Kohl Ave, Middletown, DE 19709
TD Choice CD 6 Month
$0
1.00%
▼ 1.57% below Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.57%▼ 1.57% below avgNationally 2.77%
Details
Non-Promotional TD Choice CD; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
110 Sandhill Dr, Middletown, DE 19709 5806
6 Month Regular Certificates
$1,000
1.00%
▼ 1.57% below Delaware avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▼ 1.57% below avgNationally 2.77%
Details
Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
468 W Main St, Middletown, DE 19709
6 Month Certificates of Deposit
$0
0.70%
▼ 1.87% below Delaware avg
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.57%▼ 1.87% below avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 7 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
310 Dove Run Centre Dr, Middletown, DE 19709
6 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.51% below Delaware avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.57%▼ 2.51% below avgNationally 2.77%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
310 Dove Run Centre Dr, Middletown, DE 19709
6 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.52% below Delaware avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.57%▼ 2.52% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
6 Month Certificate of Deposit
$0
0.03%
▼ 2.54% below Delaware avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.57%▼ 2.54% below avgNationally 2.77%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
IRA CD - 6 Months
$250
0.03%
▼ 2.54% below Delaware avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.57%▼ 2.54% below avgNationally 2.77%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
6 Month Certificate of Deposit
$0
0.02%
▼ 2.55% below Delaware avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.57%▼ 2.55% below avgNationally 2.77%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
IRA CD - 6 Months
$250
0.02%
▼ 2.55% below Delaware avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.57%▼ 2.55% below avgNationally 2.77%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
6 Month Certificate of Deposit
$0
0.01%
▼ 2.56% below Delaware avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.57%▼ 2.56% below avgNationally 2.77%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
IRA CD - 6 Months
$250
0.01%
▼ 2.56% below Delaware avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.57%▼ 2.56% below avgNationally 2.77%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
edU Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.00%
120 Silver Lake Rd, Middletown, DE 19709
6 Month Share Certificates
$500
0.01%
▼ 2.56% below Delaware avg
▼
Rate0.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▼ 2.56% below avgNationally 2.77%
Details
APY*: Annual Percentage Yield; no dividend paid for early withdrawal
Rate History
No change since Sep 12, 2026 · 0.01% APY · checked 5 times
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
6-Month CD
$1,000
4.20%
▲ 1.63% above Delaware avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.57%▲ 1.63% above avgNationally 2.77%
Details
New 6-month CD opened with minimum $1,000.00; no additional deposits during term; early withdrawal penalty may apply
Rate History
1 change since Sep 28, 2026 · 4.09% → 4.20% ▲ 0.11 pts · high 4.20% / low 4.09%
- Oct 7, 20264.20%▲ from 4.09%
- Sep 28, 20264.09%first recorded
Comenity Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.12%
6-month CD
$1,500
4.05%
▲ 1.48% above Delaware avg
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.57%▲ 1.48% above avgNationally 2.77%
Details
A penalty will be imposed for early withdrawals on CDs. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.
Rate History
1 change since Sep 19, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00%
- Oct 11, 20264.05%▲ from 4.00%
- Sep 19, 20264.00%first recorded
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$1,000
4.05%
▲ 1.48% above Delaware avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▲ 1.48% above avgNationally 2.77%
Details
Rate History
1 change since Sep 28, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00%
- Oct 12, 20264.05%▲ from 4.00%
- Sep 28, 20264.00%first recorded
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month New Money CD
$1,000
4.05%
▲ 1.48% above Delaware avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▲ 1.48% above avgNationally 2.77%
Details
Exclusively for Premier clients. New Money is defined as deposits and investments not previously held by any member of the HSBC Group in the U.S. New Money is determined at HSBC's discretion.
Rate History
No change since Oct 3, 2026 · 4.05% APY · checked 2 times
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
6 Month Certificate of Deposit
$0
4.05%
▲ 1.48% above Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▲ 1.48% above avgNationally 2.77%
Details
ADD'L DISCLOSURES
Rate History
No change since Sep 16, 2026 · 4.05% APY · checked 6 times
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
6 Month Fixed Rate Certificate of Deposit (CDs)
$0
4.05%
▲ 1.48% above Delaware avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▲ 1.48% above avgNationally 2.77%
Details
Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
6 Month Online CD
$0
4.00%
▲ 1.43% above Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.57%▲ 1.43% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$1,000
4.00%
▲ 1.43% above Delaware avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▲ 1.43% above avgNationally 2.77%
Details
Only available to existing Premier customers.
Rate History
No change since Sep 28, 2026 · 4.00% APY · checked 4 times
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Online CD
$1,000
4.00%
▲ 1.43% above Delaware avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▲ 1.43% above avgNationally 2.77%
Details
Minimum balance to open and obtain APY is $1000. A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 4 times
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6 Month Regular And IRA Share Certificates
$500
4.00%
▲ 1.43% above Delaware avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.57%▲ 1.43% above avgNationally 2.77%
Details
Not offered for IRA Certificate; Dividends compounded and paid monthly; Penalties apply for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
- Sep 25, 20264.00%▲ from 3.35%
- Sep 14, 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%
▲ 1.43% above Delaware avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.57%▲ 1.43% above avgNationally 2.77%
Details
Rates effective October 5, 2026
Rate History
1 change since Sep 14, 2026 · 1.00% → 4.00% ▲ 3.00 pts · high 4.00% / low 1.00%
- Oct 9, 20264.00%▲ from 1.00%
- Sep 14, 20261.00%first recorded
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
6 Month Regular / IRA
$500
3.70%
▲ 1.13% above Delaware avg
▼
Rate3.63%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▲ 1.13% above avgNationally 2.77%
Details
Regular / IRA
Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 7 times
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
6 Month Youth Certificate
$250
3.70%
▲ 1.13% above Delaware avg
▼
Rate3.63%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▲ 1.13% above avgNationally 2.77%
Details
Youth certificate
Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 7 times
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 6 MONTH
$0
3.70%
▲ 1.13% above Delaware avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.57%▲ 1.13% above avgNationally 2.77%
Details
Penalty may be imposed for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 8 times
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
6 Month Certificate of Deposit - Branch
$0
3.65%
▲ 1.08% above Delaware avg
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.57%▲ 1.08% above avgNationally 2.77%
Details
Branch Only
Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 4 times
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
6 Month Share Certificates
$0
3.56%
▲ 0.99% above Delaware avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.57%▲ 0.99% above avgNationally 2.77%
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%
- Oct 13, 20263.56%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
6 Month Share Certificate
$500
3.55%
▲ 0.98% above Delaware avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.57%▲ 0.98% above avgNationally 2.77%
Details
Rates effective October 5, 2026
Rate History
1 change since Sep 14, 2026 · 0.90% → 3.55% ▲ 2.65 pts · high 3.55% / low 0.90%
- 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 IRA Certificate
$500
3.40%
▲ 0.83% above Delaware avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▲ 0.83% above avgNationally 2.77%
Details
Rate History
No change since Oct 8, 2026 · 3.40% APY · checked 2 times
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
6 Month Jumbo IRA Share Certificates
$25,000
3.35%
▲ 0.78% above Delaware avg
▼
Rate3.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.57%▲ 0.78% above avgNationally 2.77%
Details
IRA share certificate; $25,000 minimum
Rate History
No change since Sep 25, 2026 · 3.35% APY · checked 3 times
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
6 Month Jumbo Share Certificates
$25,000
3.35%
▲ 0.78% above Delaware avg
▼
Rate3.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.57%▲ 0.78% above avgNationally 2.77%
Details
$25,000 Minimum
Rate History
No change since Sep 25, 2026 · 3.35% APY · checked 3 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
360 CD - 6 Months
$0
3.30%
▲ 0.73% above Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.57%▲ 0.73% above avgNationally 2.77%
Details
Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.30% ▼ 1.00 pts · high 4.30% / low 3.30%
- Oct 14, 20263.30%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
6 Month IRA Share Certificates
$500
3.30%
▲ 0.73% above Delaware avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.57%▲ 0.73% above avgNationally 2.77%
Details
$500; Effective September 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.04% → 3.30% ▲ 0.26 pts · high 3.30% / low 3.04%
- Sep 25, 20263.30%▲ from 3.04%
- Sep 14, 20263.04%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%
▲ 0.68% above Delaware avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.57%▲ 0.68% above avgNationally 2.77%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
IRA Certificate - Fixed - 6 Months
$100
3.25%
▲ 0.68% above Delaware avg
▼
Rate3.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.57%▲ 0.68% above avgNationally 2.77%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6 Month CD
$0
2.96%
▲ 0.39% above Delaware avg
▼
Rate2.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▲ 0.39% above avgNationally 2.77%
Details
Rate History
3 changes since Sep 14, 2026 · 3.29% → 2.96% ▼ 0.33 pts · high 3.29% / low 2.96%
- Oct 8, 20262.96%▼ from 3.20%
- Sep 24, 20263.20%▲ from 3.11%
- Sep 20, 20263.11%▼ from 3.29%
- Sep 14, 20263.29%first recorded
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
6 Month TD Choice CD (Promotional)
$250
2.00%
▼ 0.57% below Delaware avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.57%▼ 0.57% below avgNationally 2.77%
Details
Same rate all balance tiers
Rate History
No change since Oct 11, 2026 · 2.00% APY
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
6 Month TD Choice CD (Non-Promotional)
$250
1.99%
▼ 0.58% below Delaware avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.57%▼ 0.58% below avgNationally 2.77%
Details
Rate History
No change since Oct 11, 2026 · 1.99% APY
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificates - 6 Month
$500
1.36%
▼ 1.21% below Delaware avg
▼
Rate1.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.57%▼ 1.21% below avgNationally 2.77%
Details
IRA Certificates; $500 minimum
Rate History
No change since Sep 14, 2026 · 1.36% APY · checked 5 times
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular Certificates - 6 Month
$500
1.36%
▼ 1.21% below Delaware avg
▼
Rate1.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.57%▼ 1.21% below avgNationally 2.77%
Details
Regular Certificates; $500 minimum
Rate History
No change since Oct 13, 2026 · 1.36% APY
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
6 Month Certificate
$0
1.00%
▼ 1.57% below Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.57%▼ 1.57% below avgNationally 2.77%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
6 Month TD Choice CD
$250
1.00%
▼ 1.57% below Delaware avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.57%▼ 1.57% below avgNationally 2.77%
Details
Balance: $250.00 - $9,999.99; Relationship APY
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6 mo Certificate
$1,000
0.35%
▼ 2.22% below Delaware avg
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▼ 2.22% below avgNationally 2.77%
Details
Rate History
No change since Oct 8, 2026 · 0.35% APY · checked 2 times
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6 Month Share Certificate
$0
0.25%
▼ 2.32% below Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.57%▼ 2.32% below avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
6 Month Fixed Rate Time Deposit/IRA
$500
0.20%
▼ 2.37% below Delaware avg
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.57%▼ 2.37% below avgNationally 2.77%
Details
Rate History
No change since Sep 11, 2026 · 0.20% APY · checked 6 times
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate of Deposit
$1,000
0.05%
▼ 2.52% below Delaware avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.57%▼ 2.52% below avgNationally 2.77%
Details
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Jumbo Certificate of Deposit
$95,000
0.05%
▼ 2.52% below Delaware avg
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.57%▼ 2.52% below avgNationally 2.77%
Details
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
Middletown 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
330 Dove Run Centre Dr, Middletown, DE 19709
1 Year Business Share Certificates
$500
4.00%
▲ 1.30% above Delaware avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▲ 1.30% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
330 Dove Run Centre Dr, Middletown, DE 19709
1 Year Share & IRA Certificates
$500
4.00%
▲ 1.30% above Delaware avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▲ 1.30% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
110 Sandhill Dr, Middletown, DE 19709 5806
12 Month Regular Certificates
$1,000
3.82%
▲ 1.12% above Delaware avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.70%▲ 1.12% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
460 E Main St, Middletown, DE 19709
1 Year Online CD
$0
3.25%
▲ 0.55% above Delaware avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.70%▲ 0.55% above avgNationally 2.99%
Details
Cash out monthly interest payments or reinvest them to earn more
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 8 times
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
98 Sandhill Dr, middletown, DE 19709 5853
Share Certificate (12-Month)
$0
3.01%
▲ 0.31% above Delaware avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▲ 0.31% above avgNationally 2.99%
Details
Share Certificates ($1,000 Minimum Balance); Minimum Balance for Dividends: $1,000; Effective 6/1/2026
Rate History
No change since Sep 21, 2026 · 3.01% APY · checked 6 times
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
400 E Main St, Middletown, DE 19709
Fixed Rate CD - 12 Month
$2,500
2.75%
▲ 0.05% above Delaware avg
▼
Rate2.71%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.70%▲ 0.05% above avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
310 Dove Run Centre Dr, Middletown, DE 19709
1 year Standard Fixed Rate CD - Relationship
$2,500
1.51%
▼ 1.19% below Delaware avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.70%▼ 1.19% below avgNationally 2.99%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
310 Dove Run Centre Dr, Middletown, DE 19709
1 year Standard Fixed Rate CD
$2,500
1.50%
▼ 1.20% below Delaware avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.70%▼ 1.20% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
804 Kohl Ave, Middletown, DE 19709
TD Choice CD 12 Month
$250
1.00%
▼ 1.70% below Delaware avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.70%▼ 1.70% below avgNationally 2.99%
Details
Non-Promotional; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
468 W Main St, Middletown, DE 19709
12 Month Certificates of Deposit
$0
0.70%
▼ 2.00% below Delaware avg
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.70%▼ 2.00% below avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 7 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
468 W Main St, Middletown, DE 19709
Certificates of Deposit - 12-Month Variable Rate
$0
0.70%
▼ 2.00% below Delaware avg
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.70%▼ 2.00% below avgNationally 2.99%
Details
Variable Rate
Rate History
No change since Oct 14, 2026 · 0.70% APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
804 Kohl Ave, Middletown, DE 19709
12 Month TD IRA Add-Vantage CD
$250
0.05%
▼ 2.65% below Delaware avg
▼
Rate0.05%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.70%▼ 2.65% below avgNationally 2.99%
Details
IRA certificate; Minimum deposit to open is $250
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 5 times
edU Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.00%
120 Silver Lake Rd, Middletown, DE 19709
12 Month Share Certificates
$500
0.05%
▼ 2.65% below Delaware avg
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.70%▼ 2.65% below avgNationally 2.99%
Details
APY*: Annual Percentage Yield; no dividend paid for early withdrawal
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
12 Month Certificate of Deposit
$0
0.03%
▼ 2.67% below Delaware avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.70%▼ 2.67% below avgNationally 2.99%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
IRA CD - 12 Months
$250
0.03%
▼ 2.67% below Delaware avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.70%▼ 2.67% below avgNationally 2.99%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
12 Month Certificate of Deposit
$0
0.02%
▼ 2.68% below Delaware avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.70%▼ 2.68% below avgNationally 2.99%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
IRA CD - 12 Months
$250
0.02%
▼ 2.68% below Delaware avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.70%▼ 2.68% below avgNationally 2.99%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
12 Month Certificate of Deposit
$0
0.01%
▼ 2.69% below Delaware avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.70%▼ 2.69% below avgNationally 2.99%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
IRA CD - 12 Months
$250
0.01%
▼ 2.69% below Delaware avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.70%▼ 2.69% below avgNationally 2.99%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
12 Month Online CD
$0
4.50%
▲ 1.80% above Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.70%▲ 1.80% 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%
- Oct 14, 20264.50%▲ from 4.25%
- Oct 7, 20264.25%first recorded
Comenity Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.12%
1-year CD
$1,500
4.45%
▲ 1.75% above Delaware avg
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.70%▲ 1.75% above avgNationally 2.99%
Details
A penalty will be imposed for early withdrawals on CDs. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.
Rate History
1 change since Sep 19, 2026 · 4.25% → 4.45% ▲ 0.20 pts · high 4.45% / low 4.25%
- Oct 11, 20264.45%▲ from 4.25%
- Sep 19, 20264.25%first recorded
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$1,000
4.35%
▲ 1.65% above Delaware avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.70%▲ 1.65% above avgNationally 2.99%
Details
Rate History
1 change since Sep 28, 2026 · 4.30% → 4.35% ▲ 0.05 pts · high 4.35% / low 4.30%
- Oct 12, 20264.35%▲ from 4.30%
- Sep 28, 20264.30%first recorded
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month New Money CD
$1,000
4.35%
▲ 1.65% above Delaware avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.70%▲ 1.65% above avgNationally 2.99%
Details
Exclusively for Premier clients. New Money is defined as deposits and investments not previously held by any member of the HSBC Group in the U.S. New Money is determined at HSBC's discretion.
Rate History
No change since Oct 3, 2026 · 4.35% APY · checked 2 times
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
12-Month CD
$1,000
4.30%
▲ 1.60% above Delaware avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.70%▲ 1.60% above avgNationally 2.99%
Details
New 12-month CD opened with minimum $1,000.00; no additional deposits during term; early withdrawal penalty may apply
Rate History
1 change since Sep 28, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
- 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%
12 Month CD
$1,000
4.30%
▲ 1.60% above Delaware avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.70%▲ 1.60% above avgNationally 2.99%
Details
Only available to existing Premier customers.
Rate History
No change since Sep 28, 2026 · 4.30% APY · checked 4 times
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Online CD
$1,000
4.30%
▲ 1.60% above Delaware avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.70%▲ 1.60% above avgNationally 2.99%
Details
Minimum balance to open and obtain APY is $1000. A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 4 times
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
12 Month TD Choice CD (Promotional)
$250
4.15%
▲ 1.45% above Delaware avg
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.70%▲ 1.45% above avgNationally 2.99%
Details
Same rate all balance tiers
Rate History
No change since Oct 11, 2026 · 4.15% APY
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
12 Month TD Choice CD (Non-Promotional)
$250
4.14%
▲ 1.44% above Delaware avg
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.70%▲ 1.44% above avgNationally 2.99%
Details
Rate History
No change since Oct 11, 2026 · 4.14% APY
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
12 Month Regular And IRA Share Certificates
$500
4.10%
▲ 1.40% above Delaware avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▲ 1.40% above avgNationally 2.99%
Details
Dividends compounded and paid monthly; Penalties apply for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.30% → 4.10% ▲ 0.80 pts · high 4.10% / low 3.30%
- Sep 25, 20264.10%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
12 mo Certificate
$1,000
4.06%
▲ 1.36% above Delaware avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.70%▲ 1.36% above avgNationally 2.99%
Details
**New money
Rate History
No change since Oct 8, 2026 · 4.06% APY · checked 2 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
12 Month 360 CD
$0
4.00%
▲ 1.30% above Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.70%▲ 1.30% above avgNationally 2.99%
Details
1-year online CD; CD rate calculator table; Online CD
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.00% ▼ 0.30 pts · high 4.30% / low 4.00%
- Oct 14, 20264.00%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
360 CD - 12 Months
$0
4.00%
▲ 1.30% above Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.70%▲ 1.30% above avgNationally 2.99%
Details
Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.00% ▼ 0.30 pts · high 4.30% / low 4.00%
- Oct 14, 20264.00%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
12 Month Share Certificate (Jumbo)
$25,000
4.00%
▲ 1.30% above Delaware avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▲ 1.30% above avgNationally 2.99%
Details
Rates effective October 5, 2026
Rate History
1 change since Sep 14, 2026 · 1.25% → 4.00% ▲ 2.75 pts · high 4.00% / low 1.25%
- Oct 5, 20264.00%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
12 Month Share Certificates
$0
3.72%
▲ 1.02% above Delaware avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▲ 1.02% 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%
- Oct 13, 20263.72%▲ from 3.46%
- Sep 25, 20263.46%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
12 month Regular / IRA
$500
3.70%
▲ 1.00% above Delaware avg
▼
Rate3.63%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.70%▲ 1.00% above avgNationally 2.99%
Details
Regular / IRA
Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 7 times
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
12 Month Youth Certificate
$250
3.70%
▲ 1.00% above Delaware avg
▼
Rate3.63%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.70%▲ 1.00% above avgNationally 2.99%
Details
Youth certificate
Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 7 times
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 12 MONTH
$0
3.70%
▲ 1.00% above Delaware avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▲ 1.00% above avgNationally 2.99%
Details
Penalty may be imposed for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 8 times
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
12 Month IRA Certificate
$500
3.66%
▲ 0.96% above Delaware avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.70%▲ 0.96% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 3.66% APY · checked 2 times
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
12 Month IRA Share Certificate
$500
3.55%
▲ 0.85% above Delaware avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▲ 0.85% above avgNationally 2.99%
Details
Rates effective October 5, 2026
Rate History
1 change since Sep 14, 2026 · 1.25% → 3.55% ▲ 2.30 pts · high 3.55% / low 1.25%
- 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%
▲ 0.85% above Delaware avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▲ 0.85% above avgNationally 2.99%
Details
Rates effective October 5, 2026
Rate History
1 change since Sep 14, 2026 · 1.15% → 3.55% ▲ 2.40 pts · high 3.55% / low 1.15%
- Oct 9, 20263.55%▲ from 1.15%
- Sep 14, 20261.15%first recorded
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
12 Month Jumbo IRA Share Certificates
$25,000
3.51%
▲ 0.81% above Delaware avg
▼
Rate3.45%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▲ 0.81% above avgNationally 2.99%
Details
IRA share certificate; $25,000 minimum
Rate History
No change since Sep 25, 2026 · 3.51% APY · checked 3 times
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
12 Month Jumbo Share Certificates
$25,000
3.51%
▲ 0.81% above Delaware avg
▼
Rate3.45%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▲ 0.81% above avgNationally 2.99%
Details
$25,000 Minimum
Rate History
No change since Sep 25, 2026 · 3.51% APY · checked 3 times
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
12 Month Certificate of Deposit - Branch
$0
3.50%
▲ 0.80% above Delaware avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.70%▲ 0.80% above avgNationally 2.99%
Details
Branch Only
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 4 times
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
12 Month IRA Share Certificates
$500
3.46%
▲ 0.76% above Delaware avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▲ 0.76% above avgNationally 2.99%
Details
$500; Effective September 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.46% ▲ 0.01 pts · high 3.46% / low 3.45%
- Sep 25, 20263.46%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
12 Month CD
$0
3.17%
▲ 0.47% above Delaware avg
▼
Rate3.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.70%▲ 0.47% above avgNationally 2.99%
Details
Rate History
3 changes since Sep 14, 2026 · 3.46% → 3.17% ▼ 0.29 pts · high 3.46% / low 3.17%
- Oct 8, 20263.17%▼ from 3.40%
- Sep 24, 20263.40%▲ from 3.34%
- Sep 20, 20263.34%▼ from 3.46%
- Sep 14, 20263.46%first recorded
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
12 Month Fixed Rate Certificate of Deposit (CDs)
$0
3.15%
▲ 0.45% above Delaware avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.70%▲ 0.45% above avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 3.15% APY · checked 5 times
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
IRA Certificate - Fixed - 12 Months
$100
3.00%
▲ 0.30% above Delaware avg
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.70%▲ 0.30% above avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 3.00% APY
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Certificate of Deposit - 12 Months
$1,000
2.75%
▲ 0.05% above Delaware avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.70%▲ 0.05% above avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 2.75% APY
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
12 Month Certificate
$500
2.00%
▼ 0.70% below Delaware avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.70%▼ 0.70% below avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificates - 12 Months
$500
1.76%
▼ 0.94% below Delaware avg
▼
Rate1.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▼ 0.94% below avgNationally 2.99%
Details
IRA Certificates; $500 minimum
Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 5 times
Middletown 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
110 Sandhill Dr, Middletown, DE 19709 5806
18 Month Regular Certificates
$1,000
4.07%
▲ 1.29% above Delaware avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.78%▲ 1.29% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
399 E Main St, Middletown, DE 19709
18 Month Select Certificate of Deposit
$1,000
3.85%
▲ 1.07% above Delaware avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.78%▲ 1.07% above avgNationally 2.88%
Details
Featured CD rate; Requires a qualifying M&T Bank checking account; Minimum deposit of $1,000 to open a CD
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 3 times
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
399 E Main St, Middletown, DE 19709
18-Month M&T Select CD
$1,000
3.85%
▲ 1.07% above Delaware avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.78%▲ 1.07% above avgNationally 2.88%
Details
Requires a qualifying M&T Bank checking account (MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking or Advantage Checking) to open; maximum deposit $1,000,000 per account ($750,000 if opened online); early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
400 E Main St, Middletown, DE 19709
Fixed Rate CD - 18 Month
$2,500
2.50%
▼ 0.28% below Delaware avg
▼
Rate2.47%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.78%▼ 0.28% below avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
804 Kohl Ave, Middletown, DE 19709
Non-Promotional TD Choice CD - 18 Month
$0
1.00%
▼ 1.78% below Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.78%▼ 1.78% below avgNationally 2.88%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Oct 14, 2026 · 1.00% APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
804 Kohl Ave, Middletown, DE 19709
TD Choice CD 18 Month
$250
1.00%
▼ 1.78% below Delaware avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.78%▼ 1.78% below avgNationally 2.88%
Details
Non-Promotional; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
468 W Main St, Middletown, DE 19709
18 Month Certificates of Deposit
$0
0.95%
▼ 1.83% below Delaware avg
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.78%▼ 1.83% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 0.95% APY · checked 7 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
18 Month Certificate of Deposit
$0
0.03%
▼ 2.75% below Delaware avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.78%▼ 2.75% below avgNationally 2.88%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
IRA CD - 18 Months
$250
0.03%
▼ 2.75% below Delaware avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.78%▼ 2.75% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
18 Month Certificate of Deposit
$0
0.02%
▼ 2.76% below Delaware avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.78%▼ 2.76% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
IRA CD - 18 Months
$250
0.02%
▼ 2.76% below Delaware avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.78%▼ 2.76% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
18 Month Certificate of Deposit
$0
0.01%
▼ 2.77% below Delaware avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.78%▼ 2.77% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
IRA CD - 18 Months
$250
0.01%
▼ 2.77% below Delaware avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.78%▼ 2.77% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
18 Month Online CD
$0
4.50%
▲ 1.72% above Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.78%▲ 1.72% 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%
- 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%
▲ 1.62% above Delaware avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.78%▲ 1.62% above avgNationally 2.88%
Details
New 18-month CD opened with minimum $1,000.00; no additional deposits during term; early withdrawal penalty may apply
Rate History
1 change since Sep 28, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- 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%
▲ 1.57% above Delaware avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.78%▲ 1.57% above avgNationally 2.88%
Details
Penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Oct 5, 20264.35%▲ from 4.00%
- Sep 14, 20264.00%first recorded
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
18 Month TD Choice CD (Promotional)
$250
4.25%
▲ 1.47% above Delaware avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.78%▲ 1.47% above avgNationally 2.88%
Details
Same rate all balance tiers
Rate History
No change since Oct 11, 2026 · 4.25% APY
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
18 Month TD Choice CD (Non-Promotional)
$250
4.24%
▲ 1.46% above Delaware avg
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.78%▲ 1.46% above avgNationally 2.88%
Details
Rate History
No change since Oct 11, 2026 · 4.24% APY
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
18-Month CD
$500
4.00%
▲ 1.22% above Delaware avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.78%▲ 1.22% above avgNationally 2.88%
Details
Location: 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, and Collier county ZIP Code 34141); rates in other areas or for online openings may not be available; minimum deposit of $500; early withdrawal penalty applies
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 4 times
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
18 Month IRA Certificate
$500
3.82%
▲ 1.04% above Delaware avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.78%▲ 1.04% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
18 Month Share Certificates
$0
3.67%
▲ 0.89% above Delaware avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.78%▲ 0.89% 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%
- Oct 13, 20263.67%▲ from 3.41%
- Sep 14, 20263.41%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
18 Month 360 CD
$0
3.60%
▲ 0.82% above Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.78%▲ 0.82% above avgNationally 2.88%
Details
CD rate calculator table; Online CD
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.60% ▼ 0.70 pts · high 4.30% / low 3.60%
- Oct 14, 20263.60%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
360 CD - 18 Months
$0
3.60%
▲ 0.82% above Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.78%▲ 0.82% above avgNationally 2.88%
Details
Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.60% ▼ 0.70 pts · high 4.30% / low 3.60%
- Oct 14, 20263.60%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
18 Month Certificate of Deposit - Branch
$0
3.50%
▲ 0.72% above Delaware avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.78%▲ 0.72% above avgNationally 2.88%
Details
Branch Only
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 4 times
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
18 Month Regular / IRA
$500
3.50%
▲ 0.72% above Delaware avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.78%▲ 0.72% above avgNationally 2.88%
Details
Regular / IRA
Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 7 times
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
18 Month Jumbo IRA Share Certificates
$25,000
3.46%
▲ 0.68% above Delaware avg
▼
Rate3.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.78%▲ 0.68% above avgNationally 2.88%
Details
IRA share certificate; $25,000 minimum
Rate History
No change since Sep 25, 2026 · 3.46% APY · checked 3 times
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
18 Month Jumbo Share Certificates
$25,000
3.46%
▲ 0.68% above Delaware avg
▼
Rate3.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.78%▲ 0.68% above avgNationally 2.88%
Details
$25,000 Minimum
Rate History
No change since Sep 25, 2026 · 3.46% APY · checked 3 times
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
18 Month IRA Share Certificates
$500
3.41%
▲ 0.63% above Delaware avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.78%▲ 0.63% above avgNationally 2.88%
Details
$500; Effective September 1, 2026
Rate History
No change since Sep 14, 2026 · 3.41% APY · checked 5 times
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
18 Month CD
$0
3.34%
▲ 0.56% above Delaware avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.78%▲ 0.56% above avgNationally 2.88%
Details
Rate History
3 changes since Sep 14, 2026 · 3.55% → 3.34% ▼ 0.21 pts · high 3.56% / low 3.34%
- Oct 8, 20263.34%▼ from 3.56%
- Sep 24, 20263.56%▲ from 3.46%
- Sep 20, 20263.46%▼ from 3.55%
- Sep 14, 20263.55%first recorded
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 mo Certificate
$1,000
3.19%
▲ 0.41% above Delaware avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.78%▲ 0.41% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.19% APY · checked 2 times
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
18 Month Fixed Rate Certificate of Deposit (CDs)
$0
2.90%
▲ 0.12% above Delaware avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.78%▲ 0.12% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 2.90% APY · checked 5 times
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
IRA Certificate - Fixed - 18 Months
$100
2.89%
▲ 0.11% above Delaware avg
▼
Rate2.85%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.78%▲ 0.11% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 2.89% APY
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Certificate of Deposit - 18 Months
$1,000
2.73%
▼ 0.05% below Delaware avg
▼
Rate2.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.78%▼ 0.05% below avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 2.73% APY
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
18 Month Certificate
$500
2.00%
▼ 0.78% below Delaware avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.78%▼ 0.78% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
18 Month Certificate
$0
1.00%
▼ 1.78% below Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.78%▼ 1.78% below avgNationally 2.88%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
18 Month TD Choice CD
$250
1.00%
▼ 1.78% below Delaware avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.78%▼ 1.78% below avgNationally 2.88%
Details
Balance: $250.00 - $9,999.99; Relationship APY
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
18 Month Fixed Rate Time Deposit/IRA
$500
0.40%
▼ 2.38% below Delaware avg
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.78%▼ 2.38% below avgNationally 2.88%
Details
Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 6 times
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Share Certificate - 18 Months
$100
0.15%
▼ 2.63% below Delaware avg
▼
Rate0.15%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.78%▼ 2.63% below avgNationally 2.88%
Details
Compounded: Monthly
Rate History
No change since Oct 13, 2026 · 0.15% APY
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate of Deposit
$1,000
0.05%
▼ 2.73% below Delaware avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.78%▼ 2.73% below avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Jumbo Certificate of Deposit
$95,000
0.05%
▼ 2.73% below Delaware avg
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.78%▼ 2.73% below avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
Middletown 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
110 Sandhill Dr, Middletown, DE 19709 5806
24 Month Regular Certificates
$1,000
3.56%
▲ 1.06% above Delaware avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.50%▲ 1.06% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.56% APY · checked 2 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
460 E Main St, Middletown, DE 19709
2 Year Online CD
$0
3.00%
▲ 0.50% above Delaware avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.50%▲ 0.50% above avgNationally 2.88%
Details
Cash out monthly interest payments or reinvest them to earn more
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
98 Sandhill Dr, middletown, DE 19709 5853
Share Certificate (24-Month)
$0
2.86%
▲ 0.36% above Delaware avg
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▲ 0.36% above avgNationally 2.88%
Details
Share Certificates ($1,000 Minimum Balance); Minimum Balance for Dividends: $1,000; Effective 6/1/2026
Rate History
No change since Sep 21, 2026 · 2.86% APY · checked 6 times
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
330 Dove Run Centre Dr, Middletown, DE 19709
2 Year Business Share Certificates
$500
2.50%
At Delaware avg
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%At the averageNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 4 times
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
330 Dove Run Centre Dr, Middletown, DE 19709
2 Year Share & IRA Certificates
$500
2.50%
At Delaware avg
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%At the averageNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 4 times
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
400 E Main St, Middletown, DE 19709
Fixed Rate CD - 24 Month
$2,500
1.50%
▼ 1.00% below Delaware avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.50%▼ 1.00% below avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
804 Kohl Ave, Middletown, DE 19709
TD Choice CD 24 Month
$250
1.00%
▼ 1.50% below Delaware avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.50%▼ 1.50% below avgNationally 2.88%
Details
Non-Promotional; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
468 W Main St, Middletown, DE 19709
24 Month Certificates of Deposit
$0
0.95%
▼ 1.55% below Delaware avg
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.50%▼ 1.55% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 0.95% APY · checked 7 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
24 Month Certificate of Deposit
$0
0.03%
▼ 2.47% below Delaware avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.50%▼ 2.47% below avgNationally 2.88%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
IRA CD - 24 Months
$250
0.03%
▼ 2.47% below Delaware avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.50%▼ 2.47% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
24 Month Certificate of Deposit
$0
0.02%
▼ 2.48% below Delaware avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.50%▼ 2.48% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
IRA CD - 24 Months
$250
0.02%
▼ 2.48% below Delaware avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.50%▼ 2.48% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
24 Month Certificate of Deposit
$0
0.01%
▼ 2.49% below Delaware avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.50%▼ 2.49% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
IRA CD - 24 Months
$250
0.01%
▼ 2.49% below Delaware avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.50%▼ 2.49% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
24 Month Online CD
$0
4.75%
▲ 2.25% above Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.50%▲ 2.25% above avgNationally 2.88%
Details
Rate History
1 change since Oct 7, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
- 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%
24 Month CD
$1,000
4.45%
▲ 1.95% above Delaware avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.50%▲ 1.95% above avgNationally 2.88%
Details
Rate History
1 change since Sep 28, 2026 · 4.40% → 4.45% ▲ 0.05 pts · high 4.45% / low 4.40%
- Oct 12, 20264.45%▲ from 4.40%
- Sep 28, 20264.40%first recorded
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month New Money CD
$1,000
4.45%
▲ 1.95% above Delaware avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.50%▲ 1.95% above avgNationally 2.88%
Details
Exclusively for Premier clients. New Money is defined as deposits and investments not previously held by any member of the HSBC Group in the U.S. New Money is determined at HSBC's discretion.
Rate History
No change since Oct 3, 2026 · 4.45% APY · checked 2 times
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$1,000
4.40%
▲ 1.90% above Delaware avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.50%▲ 1.90% above avgNationally 2.88%
Details
Only available to existing Premier customers.
Rate History
No change since Sep 28, 2026 · 4.40% APY · checked 4 times
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Online CD
$1,000
4.40%
▲ 1.90% above Delaware avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.50%▲ 1.90% above avgNationally 2.88%
Details
Minimum balance to open and obtain APY is $1000. A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 4 times
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
24 Month TD Choice CD (Promotional)
$250
4.30%
▲ 1.80% above Delaware avg
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.50%▲ 1.80% above avgNationally 2.88%
Details
Same rate all balance tiers
Rate History
No change since Oct 11, 2026 · 4.30% APY
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 24 MONTH
$0
4.30%
▲ 1.80% above Delaware avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▲ 1.80% above avgNationally 2.88%
Details
Penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.30% ▲ 0.70 pts · high 4.30% / low 3.60%
- Oct 5, 20264.30%▲ from 3.60%
- Sep 14, 20263.60%first recorded
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
24 Month TD Choice CD (Non-Promotional)
$250
4.29%
▲ 1.79% above Delaware avg
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.50%▲ 1.79% above avgNationally 2.88%
Details
Rate History
No change since Oct 11, 2026 · 4.29% APY
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
24 Month Share Certificate (Jumbo)
$25,000
4.00%
▲ 1.50% above Delaware avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▲ 1.50% above avgNationally 2.88%
Details
Rates effective October 5, 2026
Rate History
1 change since Sep 14, 2026 · 1.76% → 4.00% ▲ 2.24 pts · high 4.00% / low 1.76%
- 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 IRA Certificate
$500
3.92%
▲ 1.42% above Delaware avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.50%▲ 1.42% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.92% APY · checked 2 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
360 CD - 24 Months
$0
3.50%
▲ 1.00% above Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.50%▲ 1.00% above avgNationally 2.88%
Details
Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
- Oct 14, 20263.50%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
24 Month Certificate of Deposit - Branch
$0
3.50%
▲ 1.00% above Delaware avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.50%▲ 1.00% above avgNationally 2.88%
Details
Branch Only
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 4 times
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
24 Month CD
$0
3.43%
▲ 0.93% above Delaware avg
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.50%▲ 0.93% above avgNationally 2.88%
Details
Rate History
3 changes since Sep 14, 2026 · 3.62% → 3.43% ▼ 0.19 pts · high 3.62% / low 3.43%
- Oct 8, 20263.43%▼ from 3.62%
- Sep 24, 20263.62%▲ from 3.54%
- Sep 20, 20263.54%▼ from 3.62%
- Sep 14, 20263.62%first recorded
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
24 Month Share Certificates
$0
3.41%
▲ 0.91% above Delaware avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▲ 0.91% above avgNationally 2.88%
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%
- Oct 13, 20263.41%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
24 Month Regular / IRA
$500
3.40%
▲ 0.90% above Delaware avg
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.50%▲ 0.90% above avgNationally 2.88%
Details
Regular / IRA
Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 7 times
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
24 Month IRA Share Certificate
$500
3.29%
▲ 0.79% above Delaware avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▲ 0.79% above avgNationally 2.88%
Details
Rates effective October 5, 2026
Rate History
1 change since Sep 14, 2026 · 1.76% → 3.29% ▲ 1.53 pts · high 3.29% / low 1.76%
- 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%
▲ 0.79% above Delaware avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▲ 0.79% above avgNationally 2.88%
Details
Rates effective October 5, 2026
Rate History
1 change since Sep 14, 2026 · 1.66% → 3.29% ▲ 1.63 pts · high 3.29% / low 1.66%
- Oct 9, 20263.29%▲ from 1.66%
- Sep 14, 20261.66%first recorded
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
24 Month Jumbo IRA Share Certificates
$25,000
3.20%
▲ 0.70% above Delaware avg
▼
Rate3.15%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▲ 0.70% above avgNationally 2.88%
Details
IRA share certificate; $25,000 minimum
Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 3 times
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
24 Month Jumbo Share Certificates
$25,000
3.20%
▲ 0.70% above Delaware avg
▼
Rate3.15%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▲ 0.70% above avgNationally 2.88%
Details
$25,000 Minimum
Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 3 times
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
24 Month IRA Share Certificates
$500
3.15%
▲ 0.65% above Delaware avg
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▲ 0.65% above avgNationally 2.88%
Details
$500; Effective September 1, 2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 5 times
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
IRA Certificate - Fixed - 24 Months
$100
2.84%
▲ 0.34% above Delaware avg
▼
Rate2.80%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.50%▲ 0.34% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 2.84% APY
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Certificate of Deposit - 24 Months
$1,000
2.68%
▲ 0.18% above Delaware avg
▼
Rate2.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.50%▲ 0.18% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 2.68% APY
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
24 Month Fixed Rate Certificate of Deposit (CDs)
$0
2.50%
At Delaware avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.50%At the averageNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificates - 24 Months
$500
1.06%
▼ 1.44% below Delaware avg
▼
Rate1.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▼ 1.44% below avgNationally 2.88%
Details
IRA Certificates; $500 minimum
Rate History
No change since Sep 14, 2026 · 1.06% APY · checked 5 times
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
24 Month Certificate
$0
1.00%
▼ 1.50% below Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.50%▼ 1.50% below avgNationally 2.88%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 7 times
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
24 Month TD Choice CD
$250
1.00%
▼ 1.50% below Delaware avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.50%▼ 1.50% below avgNationally 2.88%
Details
Balance: $250.00 - $9,999.99; Relationship APY
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
24 mo Certificate
$1,000
0.55%
▼ 1.95% below Delaware avg
▼
Rate0.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.50%▼ 1.95% below avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 0.55% APY · checked 2 times
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular Certificates - 24 Months
$500
0.50%
▼ 2.00% below Delaware avg
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▼ 2.00% below avgNationally 2.88%
Details
Regular Certificates; $500 minimum
Rate History
No change since Oct 13, 2026 · 0.50% APY
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
24 Month Fixed Rate Time Deposit/IRA
$500
0.40%
▼ 2.10% below Delaware avg
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.50%▼ 2.10% below avgNationally 2.88%
Details
Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 6 times
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24 Month Share Certificate
$0
0.40%
▼ 2.10% below Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▼ 2.10% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 7 times
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
IRA Share Certificate 24 Month
$0
0.40%
▼ 2.10% below Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▼ 2.10% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 2 times
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Share Certificate - 24 Months
$100
0.20%
▼ 2.30% below Delaware avg
▼
Rate0.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▼ 2.30% below avgNationally 2.88%
Details
Compounded: Monthly
Rate History
No change since Oct 13, 2026 · 0.20% APY
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate of Deposit
$1,000
0.05%
▼ 2.45% below Delaware avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.50%▼ 2.45% below avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Jumbo Certificate of Deposit
$95,000
0.05%
▼ 2.45% below Delaware avg
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.50%▼ 2.45% below avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
Middletown 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
110 Sandhill Dr, Middletown, DE 19709 5806
36 Month Regular Certificates
$1,000
3.45%
▲ 1.22% above Delaware avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.23%▲ 1.22% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 2 times
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
98 Sandhill Dr, middletown, DE 19709 5853
Share Certificate (36-Month)
$0
3.06%
▲ 0.83% above Delaware avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.23%▲ 0.83% above avgNationally 2.81%
Details
Share Certificates ($1,000 Minimum Balance); Minimum Balance for Dividends: $1,000; Effective 6/1/2026
Rate History
No change since Sep 21, 2026 · 3.06% APY · checked 6 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
460 E Main St, Middletown, DE 19709
3 Year Online CD
$0
2.75%
▲ 0.52% above Delaware avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.23%▲ 0.52% above avgNationally 2.81%
Details
Cash out monthly interest payments or reinvest them to earn more
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
330 Dove Run Centre Dr, Middletown, DE 19709
3 Year Business Share Certificates
$500
2.25%
▲ 0.02% above Delaware avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.23%▲ 0.02% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 4 times
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
330 Dove Run Centre Dr, Middletown, DE 19709
3 Year Share & IRA Certificates
$500
2.25%
▲ 0.02% above Delaware avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.23%▲ 0.02% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 4 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
468 W Main St, Middletown, DE 19709
36 Month Certificates of Deposit
$0
1.01%
▼ 1.22% below Delaware avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.23%▼ 1.22% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 7 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
804 Kohl Ave, Middletown, DE 19709
TD Choice CD 3 Year
$250
1.00%
▼ 1.23% below Delaware avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.23%▼ 1.23% below avgNationally 2.81%
Details
Non-Promotional; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
400 E Main St, Middletown, DE 19709
Fixed Rate CD - 36 Month
$2,500
1.00%
▼ 1.23% below Delaware avg
▼
Rate1.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.23%▼ 1.23% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
edU Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.00%
120 Silver Lake Rd, Middletown, DE 19709
3 Year Share Certificates
$500
0.10%
▼ 2.13% below Delaware avg
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.23%▼ 2.13% below avgNationally 2.81%
Details
APY*: Annual Percentage Yield; no dividend paid for early withdrawal
Rate History
No change since Sep 12, 2026 · 0.10% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
36 Month Certificate of Deposit
$0
0.03%
▼ 2.20% below Delaware avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.23%▼ 2.20% below avgNationally 2.81%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
IRA CD - 36 Months
$250
0.03%
▼ 2.20% below Delaware avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.23%▼ 2.20% below avgNationally 2.81%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
36 Month Certificate of Deposit
$0
0.02%
▼ 2.21% below Delaware avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.23%▼ 2.21% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
IRA CD - 36 Months
$250
0.02%
▼ 2.21% below Delaware avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.23%▼ 2.21% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
36 Month Certificate of Deposit
$0
0.01%
▼ 2.22% below Delaware avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.23%▼ 2.22% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
IRA CD - 36 Months
$250
0.01%
▼ 2.22% below Delaware avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.23%▼ 2.22% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
36 Month Online CD
$0
4.50%
▲ 2.27% above Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.23%▲ 2.27% 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%
- 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%
36 Month IRA Certificate
$500
4.07%
▲ 1.84% above Delaware avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.23%▲ 1.84% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
36 Month Share Certificate (Jumbo)
$25,000
3.75%
▲ 1.52% above Delaware avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.23%▲ 1.52% above avgNationally 2.81%
Details
Rates effective October 5, 2026
Rate History
1 change since Sep 14, 2026 · 2.01% → 3.75% ▲ 1.74 pts · high 3.75% / low 2.01%
- 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%
36 Month CD
$0
3.58%
▲ 1.35% above Delaware avg
▼
Rate3.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.23%▲ 1.35% above avgNationally 2.81%
Details
Rate History
3 changes since Sep 14, 2026 · 3.71% → 3.58% ▼ 0.13 pts · high 3.71% / low 3.58%
- Oct 8, 20263.58%▼ from 3.71%
- Sep 24, 20263.71%▲ from 3.67%
- Sep 20, 20263.67%▼ from 3.71%
- Sep 14, 20263.71%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
360 CD - 36 Months
$0
3.50%
▲ 1.27% above Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.23%▲ 1.27% above avgNationally 2.81%
Details
Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
- Oct 14, 20263.50%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
36 Month Certificate of Deposit - Branch
$0
3.50%
▲ 1.27% above Delaware avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.23%▲ 1.27% above avgNationally 2.81%
Details
Branch Only
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 4 times
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
36 Month Regular / IRA
$500
3.40%
▲ 1.17% above Delaware avg
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.23%▲ 1.17% above avgNationally 2.81%
Details
Regular / IRA
Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 7 times
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 36 MONTH
$0
3.40%
▲ 1.17% above Delaware avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.23%▲ 1.17% above avgNationally 2.81%
Details
Penalty may be imposed for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
36 Month IRA Share Certificate
$500
3.29%
▲ 1.06% above Delaware avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.23%▲ 1.06% above avgNationally 2.81%
Details
Rates effective October 5, 2026
Rate History
1 change since Sep 14, 2026 · 2.01% → 3.29% ▲ 1.28 pts · high 3.29% / low 2.01%
- 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%
▲ 1.06% above Delaware avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.23%▲ 1.06% above avgNationally 2.81%
Details
Rates effective October 5, 2026
Rate History
1 change since Sep 14, 2026 · 1.91% → 3.29% ▲ 1.38 pts · high 3.29% / low 1.91%
- Oct 9, 20263.29%▲ from 1.91%
- Sep 14, 20261.91%first recorded
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
36 Month Regular And IRA Share Certificates
$500
2.52%
▲ 0.29% above Delaware avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.23%▲ 0.29% above avgNationally 2.81%
Details
Dividends compounded and paid monthly; Penalties apply for early withdrawal
Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 8 times
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Year TD Choice CD (Promotional)
$250
2.00%
▼ 0.23% below Delaware avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.23%▼ 0.23% below avgNationally 2.81%
Details
Same rate all balance tiers
Rate History
No change since Oct 11, 2026 · 2.00% APY
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
36 Month Fixed Rate Certificate of Deposit (CDs)
$0
2.00%
▼ 0.23% below Delaware avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.23%▼ 0.23% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 5 times
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Year TD Choice CD (Non-Promotional)
$250
1.99%
▼ 0.24% below Delaware avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.23%▼ 0.24% below avgNationally 2.81%
Details
Rate History
No change since Oct 11, 2026 · 1.99% APY
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Year Certificate
$0
1.00%
▼ 1.23% below Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.23%▼ 1.23% below avgNationally 2.81%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Year TD Choice CD
$250
1.00%
▼ 1.23% below Delaware avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.23%▼ 1.23% below avgNationally 2.81%
Details
Balance: $250.00 - $9,999.99; Relationship APY
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
36 mo Certificate
$1,000
0.65%
▼ 1.58% below Delaware avg
▼
Rate0.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.23%▼ 1.58% below avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 0.65% APY · checked 2 times
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
36 Month Fixed Rate Time Deposit/IRA
$500
0.40%
▼ 1.83% below Delaware avg
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.23%▼ 1.83% below avgNationally 2.81%
Details
Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 6 times
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Share Certificate - 36 Months
$100
0.25%
▼ 1.98% below Delaware avg
▼
Rate0.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.23%▼ 1.98% below avgNationally 2.81%
Details
Compounded: Monthly
Rate History
No change since Oct 13, 2026 · 0.25% APY
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate of Deposit
$1,000
0.05%
▼ 2.18% below Delaware avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.23%▼ 2.18% below avgNationally 2.81%
Details
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Jumbo Certificate of Deposit
$95,000
0.05%
▼ 2.18% below Delaware avg
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.23%▼ 2.18% below avgNationally 2.81%
Details
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
Middletown 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
110 Sandhill Dr, Middletown, DE 19709 5806
48 Month Regular Certificates
$1,000
3.35%
▲ 0.99% above Delaware avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.36%▲ 0.99% above avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
98 Sandhill Dr, middletown, DE 19709 5853
Share Certificate (48-Month)
$0
3.11%
▲ 0.75% above Delaware avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.36%▲ 0.75% above avgNationally 2.80%
Details
Share Certificates ($1,000 Minimum Balance); Minimum Balance for Dividends: $1,000; Effective 6/1/2026
Rate History
No change since Sep 21, 2026 · 3.11% APY · checked 6 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
460 E Main St, Middletown, DE 19709
4 Year Online CD
$0
2.75%
▲ 0.39% above Delaware avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.36%▲ 0.39% above avgNationally 2.80%
Details
Cash out monthly interest payments or reinvest them to earn more
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
330 Dove Run Centre Dr, Middletown, DE 19709
4 Year Business Share Certificates
$500
2.25%
▼ 0.11% below Delaware avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.36%▼ 0.11% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 4 times
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
330 Dove Run Centre Dr, Middletown, DE 19709
4 Year Share & IRA Certificates
$500
2.25%
▼ 0.11% below Delaware avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.36%▼ 0.11% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 4 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
468 W Main St, Middletown, DE 19709
48 Month Certificates of Deposit
$0
1.01%
▼ 1.35% below Delaware avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.36%▼ 1.35% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 7 times
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
400 E Main St, Middletown, DE 19709
Fixed Rate CD - 48 Month
$2,500
0.75%
▼ 1.61% below Delaware avg
▼
Rate0.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.36%▼ 1.61% below avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 0.75% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
48 Month Certificate of Deposit
$0
0.03%
▼ 2.33% below Delaware avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.36%▼ 2.33% below avgNationally 2.80%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
IRA CD - 48 Months
$250
0.03%
▼ 2.33% below Delaware avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.36%▼ 2.33% below avgNationally 2.80%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
48 Month Certificate of Deposit
$0
0.02%
▼ 2.34% below Delaware avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.36%▼ 2.34% below avgNationally 2.80%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
IRA CD - 48 Months
$250
0.02%
▼ 2.34% below Delaware avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.36%▼ 2.34% below avgNationally 2.80%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
48 Month Certificate of Deposit
$0
0.01%
▼ 2.35% below Delaware avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.36%▼ 2.35% below avgNationally 2.80%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
IRA CD - 48 Months
$250
0.01%
▼ 2.35% below Delaware avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.36%▼ 2.35% below avgNationally 2.80%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
48 Month Online CD
$0
4.50%
▲ 2.14% above Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.36%▲ 2.14% above avgNationally 2.80%
Details
Rate History
1 change since Oct 7, 2026 · 2.50% → 4.50% ▲ 2.00 pts · high 4.50% / low 2.50%
- Oct 14, 20264.50%▲ from 2.50%
- Oct 7, 20262.50%first recorded
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
48 mo Certificate
$1,000
4.32%
▲ 1.96% above Delaware avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.36%▲ 1.96% above avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 4.32% APY · checked 2 times
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
48 Month IRA Certificate
$500
4.07%
▲ 1.71% above Delaware avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.36%▲ 1.71% above avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
48 Month Share Certificate (Jumbo)
$25,000
3.75%
▲ 1.39% above Delaware avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.36%▲ 1.39% above avgNationally 2.80%
Details
Rates effective October 5, 2026
Rate History
1 change since Sep 14, 2026 · 2.27% → 3.75% ▲ 1.48 pts · high 3.75% / low 2.27%
- 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%
48 Month CD
$0
3.67%
▲ 1.31% above Delaware avg
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.36%▲ 1.31% above avgNationally 2.80%
Details
Rate History
3 changes since Sep 14, 2026 · 3.79% → 3.67% ▼ 0.12 pts · high 3.79% / low 3.67%
- Oct 8, 20263.67%▼ from 3.74%
- Sep 24, 20263.74%▲ from 3.71%
- Sep 20, 20263.71%▼ from 3.79%
- Sep 14, 20263.79%first recorded
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
48 Month Certificate of Deposit - Branch
$0
3.60%
▲ 1.24% above Delaware avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.36%▲ 1.24% above avgNationally 2.80%
Details
Branch Only
Rate History
No change since Sep 24, 2026 · 3.60% APY · checked 4 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
360 CD - 48 Months
$0
3.50%
▲ 1.14% above Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.36%▲ 1.14% above avgNationally 2.80%
Details
Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
- Oct 14, 20263.50%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
48 Month Regular / IRA
$500
3.40%
▲ 1.04% above Delaware avg
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.36%▲ 1.04% above avgNationally 2.80%
Details
Regular / IRA
Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 7 times
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 48 MONTH
$0
3.40%
▲ 1.04% above Delaware avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.36%▲ 1.04% above avgNationally 2.80%
Details
Penalty may be imposed for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
48 Month IRA Share Certificate
$500
3.29%
▲ 0.93% above Delaware avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.36%▲ 0.93% above avgNationally 2.80%
Details
Rates effective October 5, 2026
Rate History
1 change since Sep 14, 2026 · 2.27% → 3.29% ▲ 1.02 pts · high 3.29% / low 2.27%
- 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%
▲ 0.93% above Delaware avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.36%▲ 0.93% above avgNationally 2.80%
Details
Rates effective October 5, 2026
Rate History
1 change since Sep 14, 2026 · 2.17% → 3.29% ▲ 1.12 pts · high 3.29% / low 2.17%
- Oct 9, 20263.29%▲ from 2.17%
- Sep 14, 20262.17%first recorded
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
48 Month Fixed Rate Certificate of Deposit (CDs)
$0
2.00%
▼ 0.36% below Delaware avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.36%▼ 0.36% below avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 5 times
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
48 Month Fixed Rate Time Deposit/IRA
$500
0.40%
▼ 1.96% below Delaware avg
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.36%▼ 1.96% below avgNationally 2.80%
Details
Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 6 times
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Share Certificate - 48 Months
$100
0.30%
▼ 2.06% below Delaware avg
▼
Rate0.30%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.36%▼ 2.06% below avgNationally 2.80%
Details
Compounded: Monthly
Rate History
No change since Oct 13, 2026 · 0.30% APY
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate of Deposit
$1,000
0.05%
▼ 2.31% below Delaware avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.36%▼ 2.31% below avgNationally 2.80%
Details
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Jumbo Certificate of Deposit
$95,000
0.05%
▼ 2.31% below Delaware avg
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.36%▼ 2.31% below avgNationally 2.80%
Details
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
Middletown 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
110 Sandhill Dr, Middletown, DE 19709 5806
60 Month Regular Certificates
$1,000
3.35%
▲ 1.21% above Delaware avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.14%▲ 1.21% above avgNationally 2.91%
Details
Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
460 E Main St, Middletown, DE 19709
5 Year Online CD
$0
2.75%
▲ 0.61% above Delaware avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.14%▲ 0.61% above avgNationally 2.91%
Details
Cash out monthly interest payments or reinvest them to earn more
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
330 Dove Run Centre Dr, Middletown, DE 19709
5 Year Business Share Certificates
$500
2.25%
▲ 0.11% above Delaware avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.14%▲ 0.11% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 4 times
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
330 Dove Run Centre Dr, Middletown, DE 19709
5 Year Share & IRA Certificates
$500
2.25%
▲ 0.11% above Delaware avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.14%▲ 0.11% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 4 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
468 W Main St, Middletown, DE 19709
60 Month Certificates of Deposit
$0
1.01%
▼ 1.13% below Delaware avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.14%▼ 1.13% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 7 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
804 Kohl Ave, Middletown, DE 19709
TD Choice CD 5 Year
$250
1.00%
▼ 1.14% below Delaware avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.14%▼ 1.14% below avgNationally 2.91%
Details
Non-Promotional; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
400 E Main St, Middletown, DE 19709
Fixed Rate CD - 60 Month
$2,500
0.75%
▼ 1.39% below Delaware avg
▼
Rate0.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.14%▼ 1.39% below avgNationally 2.91%
Details
Rate History
No change since Sep 24, 2026 · 0.75% APY · checked 4 times
edU Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.00%
120 Silver Lake Rd, Middletown, DE 19709
5 Year Share Certificates
$500
0.15%
▼ 1.99% below Delaware avg
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.14%▼ 1.99% below avgNationally 2.91%
Details
APY*: Annual Percentage Yield; no dividend paid for early withdrawal
Rate History
No change since Sep 12, 2026 · 0.15% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
60 Month Certificate of Deposit
$0
0.03%
▼ 2.11% below Delaware avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.14%▼ 2.11% below avgNationally 2.91%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
IRA CD - 60 Months
$250
0.03%
▼ 2.11% below Delaware avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.14%▼ 2.11% below avgNationally 2.91%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
60 Month Certificate of Deposit
$0
0.02%
▼ 2.12% below Delaware avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.14%▼ 2.12% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
IRA CD - 60 Months
$250
0.02%
▼ 2.12% below Delaware avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.14%▼ 2.12% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
60 Month Certificate of Deposit
$0
0.01%
▼ 2.13% below Delaware avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.14%▼ 2.13% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
460 W Main St, Middletown, DE 19709
IRA CD - 60 Months
$250
0.01%
▼ 2.13% below Delaware avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.14%▼ 2.13% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
60 Month Online CD
$0
4.75%
▲ 2.61% above Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.14%▲ 2.61% above avgNationally 2.91%
Details
Rate History
1 change since Oct 7, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
- 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 IRA Certificate
$500
4.07%
▲ 1.93% above Delaware avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.14%▲ 1.93% above avgNationally 2.91%
Details
Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
60 Month Share Certificate (Jumbo)
$25,000
3.75%
▲ 1.61% above Delaware avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.14%▲ 1.61% above avgNationally 2.91%
Details
Rates effective October 5, 2026
Rate History
1 change since Sep 14, 2026 · 2.52% → 3.75% ▲ 1.23 pts · high 3.75% / low 2.52%
- 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%
60 Month CD
$0
3.70%
▲ 1.56% above Delaware avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.14%▲ 1.56% above avgNationally 2.91%
Details
Rate History
3 changes since Sep 14, 2026 · 3.83% → 3.70% ▼ 0.13 pts · high 3.83% / low 3.70%
- Oct 8, 20263.70%▼ from 3.73%
- Sep 24, 20263.73%▼ from 3.74%
- Sep 20, 20263.74%▼ from 3.83%
- Sep 14, 20263.83%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
360 CD - 60 Months
$0
3.60%
▲ 1.46% above Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.14%▲ 1.46% above avgNationally 2.91%
Details
Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.60% ▼ 0.70 pts · high 4.30% / low 3.60%
- Oct 14, 20263.60%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
60 Month 360 CD
$0
3.60%
▲ 1.46% above Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.14%▲ 1.46% above avgNationally 2.91%
Details
5-year online CD; CD rate calculator table; Online CD
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.60% ▼ 0.70 pts · high 4.30% / low 3.60%
- Oct 14, 20263.60%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
60 Month Regular / IRA
$500
3.40%
▲ 1.26% above Delaware avg
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.14%▲ 1.26% above avgNationally 2.91%
Details
Regular / IRA
Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 7 times
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 60 MONTH
$0
3.40%
▲ 1.26% above Delaware avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.14%▲ 1.26% above avgNationally 2.91%
Details
Penalty may be imposed for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
60 Month IRA Share Certificate
$500
3.29%
▲ 1.15% above Delaware avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.14%▲ 1.15% above avgNationally 2.91%
Details
Rates effective October 5, 2026
Rate History
1 change since Sep 14, 2026 · 2.52% → 3.29% ▲ 0.77 pts · high 3.29% / low 2.52%
- 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%
▲ 1.15% above Delaware avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.14%▲ 1.15% above avgNationally 2.91%
Details
Rates effective October 5, 2026
Rate History
1 change since Sep 14, 2026 · 2.42% → 3.29% ▲ 0.87 pts · high 3.29% / low 2.42%
- Oct 9, 20263.29%▲ from 2.42%
- Sep 14, 20262.42%first recorded
Shore United Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
60 Month Certificate of Deposit
$500
2.50%
▲ 0.36% above Delaware avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.14%▲ 0.36% above avgNationally 2.91%
Details
CD Special; Rates effective as of 06/25/26; 90 days interest penalty on withdrawals during term
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 6 times
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
60 Month Certificate
$500
2.50%
▲ 0.36% above Delaware avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.14%▲ 0.36% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 3 times
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
60 Month Regular And IRA Share Certificates
$500
2.01%
▼ 0.13% below Delaware avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.14%▼ 0.13% below avgNationally 2.91%
Details
Dividends compounded and paid monthly; Penalties apply for early withdrawal
Rate History
No change since Sep 14, 2026 · 2.01% APY · checked 8 times
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
5 Year TD Choice CD (Promotional)
$250
2.00%
▼ 0.14% below Delaware avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.14%▼ 0.14% below avgNationally 2.91%
Details
Same rate all balance tiers
Rate History
No change since Oct 11, 2026 · 2.00% APY
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
60 Month Fixed Rate Certificate of Deposit (CDs)
$0
2.00%
▼ 0.14% below Delaware avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.14%▼ 0.14% below avgNationally 2.91%
Details
Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 5 times
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
5 Year TD Choice CD (Non-Promotional)
$250
1.99%
▼ 0.15% below Delaware avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.14%▼ 0.15% below avgNationally 2.91%
Details
Rate History
No change since Oct 11, 2026 · 1.99% APY
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
60 mo Certificate
$1,000
1.31%
▼ 0.83% below Delaware avg
▼
Rate1.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.14%▼ 0.83% below avgNationally 2.91%
Details
Rate History
No change since Oct 8, 2026 · 1.31% APY · checked 2 times
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
5 Year - Relationship
$0
1.00%
▼ 1.14% below Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.14%▼ 1.14% below avgNationally 2.91%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
5 Year Certificate
$0
1.00%
▼ 1.14% below Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.14%▼ 1.14% below avgNationally 2.91%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
5 Year TD Choice CD
$250
1.00%
▼ 1.14% below Delaware avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.14%▼ 1.14% below avgNationally 2.91%
Details
Balance: $250.00 - $9,999.99; Relationship APY
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
60 Month Share Certificate
$0
0.55%
▼ 1.59% below Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.14%▼ 1.59% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 7 times
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
IRA Share Certificate 60 Month
$0
0.55%
▼ 1.59% below Delaware avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.14%▼ 1.59% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 2 times
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
60 Month Fixed Rate Time Deposit/IRA
$500
0.40%
▼ 1.74% below Delaware avg
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.14%▼ 1.74% below avgNationally 2.91%
Details
Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 6 times
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Share Certificate - 60 Months
$100
0.35%
▼ 1.79% below Delaware avg
▼
Rate0.35%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.14%▼ 1.79% below avgNationally 2.91%
Details
Compounded: Monthly
Rate History
No change since Oct 13, 2026 · 0.35% APY
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate of Deposit
$1,000
0.05%
▼ 2.09% below Delaware avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.14%▼ 2.09% below avgNationally 2.91%
Details
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Jumbo Certificate of Deposit
$95,000
0.05%
▼ 2.09% below Delaware avg
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.14%▼ 2.09% below avgNationally 2.91%
Details
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Middletown, DE CD Rate Trends
Compare local Middletown, 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.
12-Month CD DE Avg
2.700%
▲ 0.118 vs 7 days ago
Delaware 12-month CD rates rose 0.118 points over the past 7 days to 2.700% APY.
6-Month CD DE Avg
2.575%
▲ 0.028 vs 7 days ago
Delaware 6-month CD rates rose 0.028 points over the past 7 days to 2.575% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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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
2.700%
6-Month Forecast
2.700%
Range: 2.50%, 2.85%
12-Month Forecast
2.950%
Range: 2.75%, 3.10%
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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 | 1.946% | $97.31 | $194.62 | $486.55 | $973.10 |
| 6-Month CD | 2.575% | $128.73 | $257.46 | $643.65 | $1,287.30 |
| 12-Month CD | 2.700% | $135.02 | $270.03 | $675.07 | $1,350.15 |
| 18-Month CD | 2.777% | $138.83 | $277.66 | $694.15 | $1,388.30 |
| 24-Month CD | 2.500% | $124.99 | $249.98 | $624.95 | $1,249.90 |
| 36-Month CD | 2.227% | $111.34 | $222.67 | $556.68 | $1,113.35 |
| 48-Month CD | 2.361% | $118.05 | $236.09 | $590.23 | $1,180.45 |
| 60-Month CD | 2.138% | $106.91 | $213.82 | $534.55 | $1,069.10 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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Sample CD Ladder for Middletown, Delaware Savers
$25,000 split equally across 5 terms using today’s Delaware average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | DE Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.946% | $97.31 |
| 2 | 6-Month CD | $5,000 | 2.575% | $128.73 |
| 3 | 12-Month CD | $5,000 | 2.700% | $135.02 |
| 4 | 24-Month CD | $5,000 | 2.500% | $124.99 |
| 5 | 36-Month CD | $5,000 | 2.227% | $111.34 |
| Total ($25,000 invested) | $25,000 | 2.390% blended | $597.39/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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420
CD Rates
Tracked in Middletown, Delaware
Tracked in Middletown, Delaware
22 Banks
14 Credit Unions
About Our Middletown, Delaware CD Rate Database
MonitorBankRates tracks 420 CD rates from 22 banks and 14 credit unions with locations in Middletown, 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: Dexsta Federal Credit Union offers a CD at 4.07% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Middletown, Delaware.
How to Find the Best CD Rates in Middletown, Delaware
What to compare when shopping for a CD in Middletown, Delaware
To find the best APYs in Middletown, Delaware, start with credit unions and online-only banks: Middletown, Delaware has 14 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Middletown, 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 Middletown, Delaware: 36 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Middletown, Delaware savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Middletown, Delaware money market rates
Middletown, Delaware Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
15.4%
National avg: 17.3%
Median Individual Earnings
$61,748
National avg: $47,340
Poverty Rate
8.4%
National avg: 11.1%
Unemployment Rate
8.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$167/yr
At DE 12-mo avg 2.700% APY
15.4% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 8.0% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s DE 12-month CD average of 2.700%, saving 10% of the local median salary ($6,174/year) and putting it in a CD would earn an additional $167 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 Middletown, 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 Middletown, 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 Middletown, 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 Middletown, Delaware as everywhere in the U.S.
Choosing a CD Term in Middletown, 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 Middletown, Delaware savers easier access to their funds. For example, Dover Federal Credit Union is offering its 6 Month Share & IRA Certificates at 3.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Dexsta Federal Credit Union is offering its 60 Month Regular Certificates at 3.35% 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 Middletown, 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 Middletown, 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 Middletown, 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 Middletown, 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 Middletown, Delaware
Most CDs carry a fixed rate that is locked for the entire term, protecting a Middletown, 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 Middletown, Delaware
Are CD rates in Middletown, Delaware FDIC insured?
Yes, most established banks in Middletown, 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 Middletown, 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 Middletown, 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 Middletown, 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 Middletown, Delaware?
Here are recent top rates found for this area:
- Dexsta Federal Credit Union: 4.07% APY (18 Month Regular Certificates)
- Dover Federal Credit Union: 4.00% APY (1 Year Business Share Certificates)
- M&T Bank: 3.85% APY (18 Month Select Certificate of Deposit)
- Citizens Access: 3.25% APY (1 Year Online CD)
- American Spirit Federal Credit Union: 3.11% APY (Share Certificate (48-Month))
- Wilmington Savings Fund Society (WSFS): 3.00% APY (Fixed Rate CD - 3 Month)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD - Relationship)
- Fulton Bank: 1.01% APY (36 Month Certificates of Deposit)
- TD Bank: 1.00% APY (3 Month CD)
- edU Federal Credit Union: 0.15% APY (5 Year Share Certificates)
Rates reflect recent verified offers available in Middletown, Delaware. Last Updated: October 14, 2026
Middletown, 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 Middletown, 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.
CD Calculators for Middletown, Delaware
Middletown, Delaware CD Calculator
At today’s DE top rate of 4.07% APY, a $10,000 deposit earns $407 in the first year. Enter your amount to see your exact return.
Middletown, Delaware CD LadderDE CD rates currently range from 1.946% (3-month) to 2.227% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Middletown, Delaware CD at 4.07% 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 SavingsDelaware’s average 12-month CD is 2.700% 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 Middletown, 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 Middletown, 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 Middletown, 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 14, 2026
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