CD Rates Millsboro, Delaware (DE) for April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Millsboro, Delaware CD rates include County Bank Rehoboth Beach, DECounty Bank Rehoboth Beach, DE25933 School Ln, Millsboro, DE 19966A+5.0 ★Texas Ratio: 0.78%Real return: +0.80%APY minus CPI (February 2026) offering 12 Month Jumbo Certificate of Deposit or IRA at 3.60% APY, Wilmington Savings Fund Society (WSFS)Wilmington Savings Fund Society (WSFS)25926 Plaza Dr, Millsboro, DE 19966A+5.0 ★Texas Ratio: 3.24%Real return: +0.70%APY minus CPI (February 2026) offering 3-Month CD at 3.50% APY, Fulton BankFulton Bank28581 Dupont Blvd, Millsboro, DE 19966A+5.0 ★Texas Ratio: 4.98%Real return: +0.40%APY minus CPI (February 2026) offering Promotional Certificate of Deposit 36-Month Bump Up at 3.20% APY, Community Bank DelawareCommunity Bank Delaware24882 John J Williams Hwy, Millsboro, DE 19966A+5.0 ★Texas Ratio: 0.47%Real return: -2.40%APY minus CPI (February 2026) offering 24 Month Fixed Rate Time Deposit/IRA at 0.40% APY, and Priority Plus Federal Credit UnionPriority Plus Federal Credit UnionA+5.0 ★Texas Ratio: 2.58%Real return: +1.52%APY minus CPI (February 2026) offering 48 mo Certificate at 4.32% APY. CD rates as of April 13, 2026 according to verified data from MonitorBankRates.
Millsboro has 21 local institutions in our database, with CD rates as high as 3.60% APY from County Bank Rehoboth Beach, DE at 25933 School Ln, Millsboro, DE 19966. 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 — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 13, 2026
Compare Best CD Rates in Millsboro, Delaware & the Surrounding Area
$100,000
For members under 18!
$100,000
6-Month term not available on IRA Certificates. APY = Annual Percentage Yield. APY subject to change at any time. APY assumes compounding of dividends. Early withdrawals are subject to a penalty and will reduce APY.
$100,000
Relationship APY
$100,000
Relationship APY
$100,000
Relationship APY
$100,000
Relationship APY
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Relationship APY
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Millsboro, DE CD Rate Trends
Compare local Millsboro, 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.
Delaware 12-month CD rates currently average 1.989% APY based on data from institutions in our monitoring network.
Delaware 6-month CD rates currently average 2.365% APY based on data from institutions in our monitoring network.
DE CD Rate Forecast — Next 12 Months
Where are Delaware CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at DE CD Rates Today
Annual interest earnings at today’s Delaware average APYs. State average used where available; national average as fallback.
| CD Term | DE Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.238% | $111.92 | $223.83 | $559.58 | $1,119.15 |
| 6-Month CD | 2.365% | $118.24 | $236.47 | $591.18 | $1,182.35 |
| 12-Month CD | 1.989% | $99.46 | $198.91 | $497.28 | $994.55 |
| 18-Month CD | 2.606% | $130.31 | $260.62 | $651.55 | $1,303.10 |
| 24-Month CD | 2.306% | $115.30 | $230.60 | $576.50 | $1,153.00 |
| 36-Month CD | 2.003% | $100.17 | $200.33 | $500.83 | $1,001.65 |
| 48-Month CD | 1.882% | $94.08 | $188.15 | $470.38 | $940.75 |
| 60-Month CD | 1.937% | $96.87 | $193.73 | $484.33 | $968.65 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 13, 2026. | |||||
Sample CD Ladder for Millsboro, 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 | 2.238% | $111.92 |
| 2 | 6-Month CD | $5,000 | 2.365% | $118.24 |
| 3 | 12-Month CD | $5,000 | 1.989% | $99.46 |
| 4 | 24-Month CD | $5,000 | 2.306% | $115.30 |
| 5 | 36-Month CD | $5,000 | 2.003% | $100.17 |
| Total ($25,000 invested) | $25,000 | 2.180% blended | $545.09/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.
in Millsboro, Delaware
About Our Millsboro, Delaware CD Rate Database
MonitorBankRates tracks CD rates from 13 banks and 10 credit unions with locations in Millsboro, Delaware, plus national online institutions available to Delaware residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: County Bank Rehoboth Beach, DE offers a CD at 3.60% APY with a minimum deposit of $100,000. Use the rate table above to compare all current offers in Millsboro, Delaware.
How to Find the Best CD Rates in Millsboro, Delaware
What to compare when shopping for a CD in Millsboro, Delaware
To find the best APYs in Millsboro, Delaware, start with credit unions and online-only banks — Millsboro, Delaware has 10 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 Millsboro, 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 Millsboro, Delaware — 23 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Millsboro, Delaware savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Millsboro, Delaware money market rates
Millsboro, Delaware Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
24.9% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market; a low unemployment rate of 2.8% reflects a strong local economy. At today’s DE 12-month CD average of 1.989%, saving 10% of the local median salary ($3,982/year) and putting it in a CD would earn an additional $79 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 Millsboro, Delaware
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Millsboro, Delaware
Are CD rates in Millsboro, Delaware FDIC insured?
Do I have to pay state taxes on CD interest in Millsboro, Delaware?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Millsboro, Delaware?
- County Bank Rehoboth Beach, DE: 3.60% APY (12 Month Jumbo Certificate of Deposit or IRA)
- Wilmington Savings Fund Society (WSFS): 3.50% APY (3-Month CD)
- Fulton Bank: 3.20% APY (Promotional Certificate of Deposit 36-Month Bump Up)
- Community Bank Delaware: 0.40% APY (36 Month Fixed Rate Time Deposit/IRA)
- Priority Plus Federal Credit Union: 4.32% APY (48 mo Certificate)
- Delaware State Police Federal Credit Union: 4.08% APY (6 month share certificate)
- American Spirit Federal Credit Union: 4.01% APY (SPECIAL PROMOTION: Certificates for New Funds to American Spirit FCU Only Share Certificate (48-Month))
- Comenity Bank: 3.85% APY (1-Year CD)
- DEL ONE: 3.85% APY (Jumbo Share (consumer & commercial) & IRA Certificates 6 Month)
- Sun East Federal Credit Union: 3.80% APY (6 Month Jumbo Certificates)
CD Calculators for Millsboro, Delaware
At today’s DE top rate of 3.60% APY, a $10,000 deposit earns $360 in the first year. Enter your amount to see your exact return.
Millsboro, Delaware CD LadderDE CD rates currently range from 2.238% (3-month) to 2.003% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Millsboro, Delaware CD at 3.60% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsDelaware’s average 12-month CD is 1.989% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Millsboro, Delaware directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Millsboro, 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.
