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CD Rate Trends

Millsboro, Delaware Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 20, 2026

Millsboro, Delaware CD rates range from 0.01% to 4.75% APY, verified by MonitorBankRates as of October 20, 2026. Current Millsboro, Delaware CD rates include First Shore Federal S&LFirst Shore Federal S&L220 S Washington St, Millsboro, DE 19966A+5.0 ★Texas Ratio: 3.97%Real return: +1.45%APY minus CPI (February 2026) offering Regular CD - 36 Months at 4.25% APY, County Bank Rehoboth Beach, DECounty Bank Rehoboth Beach, DE25933 School Ln, Millsboro, DE 19966A+5.0 ★Texas Ratio: 1.58%Real return: +1.30%APY minus CPI (February 2026) offering 18 Month Certificate of Deposit OR IRA at 4.10% APY, Tidemark Federal Credit UnionTidemark Federal Credit Union24940 John J Williams Hwy, Millsboro, DE 19966A+5.0 ★Texas Ratio: 1.21%Real return: +1.30%APY minus CPI (February 2026) offering 12 Month Regular And IRA Share Certificates at 4.10% APY, M&T BankM&T Bank28529 Dupont Blvd, Millsboro, DE 19966A+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, and Farmers Bank of WillardsFarmers Bank of Willards28660 Dupont Blvd, Millsboro, DE 19966A5.0 ★Texas Ratio: 6.46%Real return: +1.02%APY minus CPI (February 2026) offering 60 Month Certificate of Deposit at 3.82% APY. CD rates as of October 20, 2026 according to verified data from MonitorBankRates.

Millsboro has 116 local institutions in our database, with CD rates as high as 4.25% APY from First Shore Federal S&L at 220 S Washington St, 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, 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 20, 2026

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

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

Millsboro 3 Month CD Rates

Delaware 3 Month CD Average1.98% APYNational 2.12%▲ 0.04% from last week
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%
25926 Plaza Dr, Millsboro, DE 19966
Fixed Rate CD - 3 Month
$2,500
3.00% ▲ 1.02% above Delaware avg
View
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average1.98%▲ 1.02% above avgNationally 2.12%
Details

Open Online

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 20, 2026
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
25933 School Ln, Millsboro, DE 19966
90 Day Certificate of Deposit OR IRA
$500
2.40% ▲ 0.42% above Delaware avg
View
▼
Rate2.38%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average1.98%▲ 0.42% above avgNationally 2.12%
Details

Rate History
No change since Sep 7, 2026 · 2.40% APY · checked 9 times
1.90%2.40%2.90%Sep 7, 2026: 2.40% APYSep 7, 2026Oct 20, 2026
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
25933 School Ln, Millsboro, DE 19966
Jumbo 90 Day Certificate of Deposit OR IRA
$100,000
2.40% ▲ 0.42% above Delaware avg
View
▼
Rate2.38%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average1.98%▲ 0.42% above avgNationally 2.12%
Details

Rate History
No change since Oct 20, 2026 · 2.40% APY
1.90%2.40%2.90%Oct 20, 2026: 2.40% APYOct 20, 2026Oct 20, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
220 S Washington St, Millsboro, DE 19966
Regular CD - 3 Months
$500
2.00% ▲ 0.02% above Delaware avg
View
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average1.98%▲ 0.02% above avgNationally 2.12%
Details

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

Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 20, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
28581 Dupont Blvd, Millsboro, DE 19966
Certificate of Deposit - 3-Month
$0
0.70% ▼ 1.28% below Delaware avg
View
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average1.98%▼ 1.28% below avgNationally 2.12%
Details

Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 8 times
0.20%0.70%1.20%Sep 18, 2026: 0.70% APYSep 18, 2026Oct 20, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
24882 John J Williams Hwy, Millsboro, DE 19966
90 Day Fixed Rate Time Deposit/IRA
$500
0.10% ▼ 1.88% below Delaware avg
View
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average1.98%▼ 1.88% below avgNationally 2.12%
Details

Rate History
No change since Sep 11, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 11, 2026: 0.10% APYSep 11, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
Certificate of Deposit - 3 Months
$1,000
0.03% ▼ 1.95% below Delaware avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average1.98%▼ 1.95% below avgNationally 2.12%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
Certificate of Deposit - 3 Months
$1,000
0.02% ▼ 1.96% below Delaware avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average1.98%▼ 1.96% below avgNationally 2.12%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
Certificate of Deposit - 3 Months
$1,000
0.01% ▼ 1.97% below Delaware avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average1.98%▼ 1.97% below avgNationally 2.12%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 20, 2026
Comenity Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.12%
Retirement CD - 3-month
$1,500
3.95% ▲ 1.97% above Delaware avg
View
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average1.98%▲ 1.97% above avgNationally 2.12%
Details

Retirement certificate of deposit in an IRA; fixed rate

Rate History
No change since Oct 20, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 20, 2026: 3.95% APYOct 20, 2026Oct 20, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
Certificate of Deposit - Branch - 3 Month
$500
3.75% ▲ 1.77% above Delaware avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average1.98%▲ 1.77% above avgNationally 2.12%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 20, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
3 Month Regular / IRA
$500
3.50% ▲ 1.52% above Delaware avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average1.98%▲ 1.52% above avgNationally 2.12%
Details

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 20, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate 3 MONTH
$0
3.50% ▲ 1.52% above Delaware avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average1.98%▲ 1.52% above avgNationally 2.12%
Details

Certificate Rates; minimum $500 for consumers; available for IRA investments; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 20, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
Share/IRA Certificate 3 Month
$500
3.14% ▲ 1.16% above Delaware avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average1.98%▲ 1.16% above avgNationally 2.12%
Details

Effective October 8, 2026; Rates are subject to change without notice

Rate History
1 change since Sep 25, 2026 · 2.68% → 3.14% ▲ 0.46 pts · high 3.14% / low 2.68%
2.18%2.91%3.64%Sep 25, 2026: 2.68% APYOct 15, 2026: 3.14% APYSep 25, 2026Oct 20, 2026
  • Oct 15, 20263.14%▲ from 2.68%
  • Sep 25, 20262.68%first recorded
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Certificate of Deposit - 3 Months
$1,000
3.00% ▲ 1.02% above Delaware avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average1.98%▲ 1.02% above avgNationally 2.12%
Details

Interest Rate 2.97%; Annual Percentage Yield 3.00%

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 20, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3 Month Fixed Rate Certificate of Deposit
$0
2.50% ▲ 0.52% above Delaware avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average1.98%▲ 0.52% above avgNationally 2.12%
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month TD Choice CD
$250
2.00% ▲ 0.02% above Delaware avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average1.98%▲ 0.02% above avgNationally 2.12%
Details

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

Rate History
1 change since Sep 24, 2026 · 1.00% → 2.00% ▲ 1.00 pts · high 2.00% / low 1.00%
0.00%1.50%3.00%Sep 24, 2026: 1.00% APYOct 20, 2026: 2.00% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20262.00%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Month TD Choice CD - Promotional
$250
2.00% ▲ 0.02% above Delaware avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average1.98%▲ 0.02% above avgNationally 2.12%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month TD Choice CD
$250
1.99% ▲ 0.01% above Delaware avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average1.98%▲ 0.01% above avgNationally 2.12%
Details

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

Rate History
1 change since Sep 24, 2026 · 1.00% → 1.99% ▲ 0.99 pts · high 1.99% / low 1.00%
0.01%1.50%2.98%Sep 24, 2026: 1.00% APYOct 20, 2026: 1.99% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20261.99%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Month TD Choice CD - Non-Promotional
$250
1.99% ▲ 0.01% above Delaware avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average1.98%▲ 0.01% above avgNationally 2.12%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 1.99% APY
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 20, 2026
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
3 Month Share Certificate
$0
0.20% ▼ 1.78% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average1.98%▼ 1.78% below avgNationally 2.12%
Details

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 8 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 20, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Standard Fixed Rate CD 3 month - Relationship
$2,500
0.06% ▼ 1.92% below Delaware avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average1.98%▼ 1.92% below avgNationally 2.12%
Details

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

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 20, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Standard Fixed Rate CD 3 month
$2,500
0.05% ▼ 1.93% below Delaware avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average1.98%▼ 1.93% below avgNationally 2.12%
Details

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

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 20, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 90 Day
$1,000
0.05% ▼ 1.93% below Delaware avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average1.98%▼ 1.93% below avgNationally 2.12%
Details

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

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 9 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 20, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo Certificate of Deposit - 90 Day
$95,000
0.05% ▼ 1.93% below Delaware avg
View
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average1.98%▼ 1.93% below avgNationally 2.12%
Details

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

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 9 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 20, 2026

Millsboro 6 Month CD Rates

Delaware 6 Month CD Average2.62% APYNational 2.79%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
24940 John J Williams Hwy, Millsboro, DE 19966
6 Month Regular And IRA Share Certificates
$500
4.00% ▲ 1.38% above Delaware avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.62%▲ 1.38% above avgNationally 2.79%
Details

Not offered for IRA Certificate; Penalties apply for early withdrawal; Dividends compounded and paid monthly

Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
2.70%3.68%4.65%Sep 14, 2026: 3.35% APYSep 25, 2026: 4.00% APYSep 14, 2026Oct 20, 2026
  • Sep 25, 20264.00%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
6 Month Certificate of Deposit
$1,000
3.15% ▲ 0.53% above Delaware avg
View
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.62%▲ 0.53% above avgNationally 2.79%
Details

Balance: Over $250,000; Rates effective 10/14/2026

Rate History
4 changes since Sep 14, 2026 · 3.19% → 3.15% ▼ 0.04 pts · high 3.20% / low 2.96%
2.46%3.08%3.70%Sep 14, 2026: 3.19% APYSep 20, 2026: 3.11% APYSep 24, 2026: 3.20% APYOct 8, 2026: 2.96% APYOct 14, 2026: 3.15% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.15%▲ from 2.96%
  • Oct 8, 20262.96%▼ from 3.20%
  • Sep 24, 20263.20%▲ from 3.11%
  • Sep 20, 20263.11%▼ from 3.19%
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
6 Month Certificate of Deposit
$1,000
3.10% ▲ 0.48% above Delaware avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.62%▲ 0.48% above avgNationally 2.79%
Details

Balance: $100,000 - $249,999

Rate History
4 changes since Sep 14, 2026 · 3.19% → 3.10% ▼ 0.09 pts · high 3.20% / low 2.96%
2.46%3.08%3.70%Sep 14, 2026: 3.19% APYSep 20, 2026: 3.11% APYSep 24, 2026: 3.20% APYOct 8, 2026: 2.96% APYOct 14, 2026: 3.10% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.10%▲ from 2.96%
  • Oct 8, 20262.96%▼ from 3.20%
  • Sep 24, 20263.20%▲ from 3.11%
  • Sep 20, 20263.11%▼ from 3.19%
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
25926 Plaza Dr, Millsboro, DE 19966
Fixed Rate CD - 6 Month
$2,500
3.00% ▲ 0.38% above Delaware avg
View
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.62%▲ 0.38% above avgNationally 2.79%
Details

Open Online

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 20, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
220 S Washington St, Millsboro, DE 19966
Regular CD - 6 Months
$500
3.00% ▲ 0.38% above Delaware avg
View
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.62%▲ 0.38% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 20, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
6 Month Certificates of Deposit
$1,000
2.99% ▲ 0.37% above Delaware avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.62%▲ 0.37% above avgNationally 2.79%
Details

Balance: Under $100,000

Rate History
4 changes since Sep 14, 2026 · 3.19% → 2.99% ▼ 0.20 pts · high 3.20% / low 2.96%
2.46%3.08%3.70%Sep 14, 2026: 3.19% APYSep 20, 2026: 3.11% APYSep 24, 2026: 3.20% APYOct 8, 2026: 2.96% APYOct 14, 2026: 2.99% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20262.99%▲ from 2.96%
  • Oct 8, 20262.96%▼ from 3.20%
  • Sep 24, 20263.20%▲ from 3.11%
  • Sep 20, 20263.11%▼ from 3.19%
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
28581 Dupont Blvd, Millsboro, DE 19966
Certificate of Deposit - 6-Month
$0
0.70% ▼ 1.92% below Delaware avg
View
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.62%▼ 1.92% below avgNationally 2.79%
Details

Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 8 times
0.20%0.70%1.20%Sep 18, 2026: 0.70% APYSep 18, 2026Oct 20, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
24882 John J Williams Hwy, Millsboro, DE 19966
6 Month Fixed Rate Time Deposit/IRA
$500
0.20% ▼ 2.42% below Delaware avg
View
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.62%▼ 2.42% below avgNationally 2.79%
Details

Rate History
No change since Sep 11, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 11, 2026: 0.20% APYSep 11, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
Certificate of Deposit - 6 Months
$1,000
0.03% ▼ 2.59% below Delaware avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.62%▼ 2.59% below avgNationally 2.79%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
IRA CD 6 Months
$250
0.03% ▼ 2.59% below Delaware avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.62%▼ 2.59% below avgNationally 2.79%
Details

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

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
Certificate of Deposit - 6 Months
$1,000
0.02% ▼ 2.60% below Delaware avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.62%▼ 2.60% below avgNationally 2.79%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
IRA CD 6 Months
$250
0.02% ▼ 2.60% below Delaware avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.62%▼ 2.60% below avgNationally 2.79%
Details

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

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
Certificate of Deposit - 6 Months
$1,000
0.01% ▼ 2.61% below Delaware avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.62%▼ 2.61% below avgNationally 2.79%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
IRA CD 6 Months
$250
0.01% ▼ 2.61% below Delaware avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.62%▼ 2.61% below avgNationally 2.79%
Details

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

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 20, 2026
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
6-Month CD
$1,000
4.20% ▲ 1.58% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.62%▲ 1.58% above avgNationally 2.79%
Details

APY available on a new Certificate of Deposit opened with a minimum of $1,000.00; penalty may be charged for early withdrawal; no additional deposits may be made during the term; APY accurate as of October 19th, 2026

Rate History
1 change since Sep 28, 2026 · 4.09% → 4.20% ▲ 0.11 pts · high 4.20% / low 4.09%
3.59%4.15%4.70%Sep 28, 2026: 4.09% APYOct 7, 2026: 4.20% APYSep 28, 2026Oct 20, 2026
  • Oct 7, 20264.20%▲ from 4.09%
  • Sep 28, 20264.09%first recorded
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Money CD - 6 Month
$1,000
4.10% ▲ 1.48% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.62%▲ 1.48% above avgNationally 2.79%
Details

Online Only; Minimum balance to open account online: $1,000; Not available to business customers

Rate History
1 change since Sep 28, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
3.55%4.07%4.60%Sep 28, 2026: 4.05% APYOct 14, 2026: 4.10% APYSep 28, 2026Oct 20, 2026
  • Oct 14, 20264.10%▲ from 4.05%
  • Sep 28, 20264.05%first recorded
Comenity Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.12%
Retirement CD - 6-month
$1,500
4.05% ▲ 1.43% above Delaware avg
View
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.62%▲ 1.43% above avgNationally 2.79%
Details

Retirement certificate of deposit in an IRA; fixed rate

Rate History
No change since Oct 20, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 20, 2026: 4.05% APYOct 20, 2026Oct 20, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
6 Month Certificate of Deposit
$0
4.05% ▲ 1.43% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.62%▲ 1.43% above avgNationally 2.79%
Details

Featured rate; for 6 MOs; ADD'L DISCLOSURES

Rate History
No change since Sep 16, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 16, 2026: 4.05% APYSep 16, 2026Oct 20, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
6 Month Fixed Rate Certificate of Deposit
$0
4.05% ▲ 1.43% above Delaware avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.62%▲ 1.43% above avgNationally 2.79%
Details

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 20, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Fixed Rate IRA - 6 Months
$0
4.05% ▲ 1.43% above Delaware avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.62%▲ 1.43% above avgNationally 2.79%
Details

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 20, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Online CD - 6 Months
$0
4.00% ▲ 1.38% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.62%▲ 1.38% above avgNationally 2.79%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 20, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Online CD - 6 Months
$1,000
4.00% ▲ 1.38% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.62%▲ 1.38% above avgNationally 2.79%
Details

HSBC Premier client required with new or existing HSBC Premier checking account; Online CD; Account not available to business customers; Penalty may apply for early withdrawal

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 20, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Online CDs - 6 Month
$1,000
4.00% ▲ 1.38% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.62%▲ 1.38% above avgNationally 2.79%
Details

Online Only; Only available to existing Premier customers; Minimum balance to open account online: $1,000; Not available to business customers

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 20, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Wealth Center/Telephone CD - 6 Month
$1,000
4.00% ▲ 1.38% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.62%▲ 1.38% above avgNationally 2.79%
Details

Opened in Wealth Center or over the telephone; Minimum balance to open account: $1,000; Not available to business customers

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 20, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
6 Month Share Certificate (Jumbo)
$25,000
4.00% ▲ 1.38% above Delaware avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.62%▲ 1.38% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 1.00% → 4.00% ▲ 3.00 pts · high 4.00% / low 1.00%
0.00%3.50%7.00%Sep 14, 2026: 1.00% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 20, 2026
  • Oct 9, 20264.00%▲ from 1.00%
  • Sep 14, 20261.00%first recorded
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
6 Month Share & IRA Certificate
$500
3.75% ▲ 1.13% above Delaware avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.62%▲ 1.13% above avgNationally 2.79%
Details

6-Month term not available on IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 20, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
6 Month Regular / IRA
$500
3.70% ▲ 1.08% above Delaware avg
View
▼
Rate3.63%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.62%▲ 1.08% above avgNationally 2.79%
Details

Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 8 times
3.20%3.70%4.20%Sep 12, 2026: 3.70% APYSep 12, 2026Oct 20, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
6 Month Youth Certificate
$250
3.70% ▲ 1.08% above Delaware avg
View
▼
Rate3.63%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.62%▲ 1.08% above avgNationally 2.79%
Details

Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 8 times
3.20%3.70%4.20%Sep 12, 2026: 3.70% APYSep 12, 2026Oct 20, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate 6 MONTH
$0
3.70% ▲ 1.08% above Delaware avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.62%▲ 1.08% above avgNationally 2.79%
Details

Certificate Rates; minimum $500 for consumers; available for IRA investments; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 20, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
Certificate of Deposit - Branch - 6 Month
$500
3.65% ▲ 1.03% above Delaware avg
View
▼
Rate3.58%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.62%▲ 1.03% above avgNationally 2.79%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 20, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
6 Month Share Certificates
$500
3.56% ▲ 0.94% above Delaware avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.62%▲ 0.94% above avgNationally 2.79%
Details

Effective September 1, 2026; $500 Minimum

Rate History
No change since Oct 13, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 13, 2026: 3.56% APYOct 13, 2026Oct 20, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
6 Month Share Certificate
$500
3.55% ▲ 0.93% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.62%▲ 0.93% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 0.90% → 3.55% ▲ 2.65 pts · high 3.55% / low 0.90%
0.00%3.10%6.20%Sep 14, 2026: 0.90% APYOct 9, 2026: 3.55% APYSep 14, 2026Oct 20, 2026
  • Oct 9, 20263.55%▲ from 0.90%
  • Sep 14, 20260.90%first recorded
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
Share/IRA Certificate 6 Month
$500
3.40% ▲ 0.78% above Delaware avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.62%▲ 0.78% above avgNationally 2.79%
Details

Effective October 8, 2026; Rates are subject to change without notice

Rate History
1 change since Sep 25, 2026 · 2.94% → 3.40% ▲ 0.46 pts · high 3.40% / low 2.94%
2.44%3.17%3.90%Sep 25, 2026: 2.94% APYOct 15, 2026: 3.40% APYSep 25, 2026Oct 20, 2026
  • Oct 15, 20263.40%▲ from 2.94%
  • Sep 25, 20262.94%first recorded
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
6 Month Jumbo Share Certificates
$0
3.35% ▲ 0.73% above Delaware avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.62%▲ 0.73% above avgNationally 2.79%
Details

$25,000 Minimum

Rate History
No change since Oct 5, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 5, 2026: 3.35% APYOct 5, 2026Oct 20, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
6 Month 360 CD
$0
3.30% ▲ 0.68% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.62%▲ 0.68% above avgNationally 2.79%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 3.30% ▼ 1.00 pts · high 4.30% / low 3.30%
2.30%3.80%5.30%Sep 18, 2026: 4.30% APYOct 14, 2026: 3.30% APYSep 18, 2026Oct 20, 2026
  • 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%
IRA Share Certificates - 6 Months
$500
3.30% ▲ 0.68% above Delaware avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.62%▲ 0.68% above avgNationally 2.79%
Details

Effective September 1, 2026; $500 Minimum

Rate History
1 change since Sep 14, 2026 · 3.04% → 3.30% ▲ 0.26 pts · high 3.30% / low 3.04%
2.54%3.17%3.80%Sep 14, 2026: 3.04% APYSep 25, 2026: 3.30% APYSep 14, 2026Oct 20, 2026
  • 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% ▲ 0.63% above Delaware avg
View
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.62%▲ 0.63% above avgNationally 2.79%
Details

Interest Rate 3.21%; Annual Percentage Yield 3.25%

Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 20, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
IRA Certificate - Fixed 6 Months
$100
3.25% ▲ 0.63% above Delaware avg
View
▼
Rate3.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.62%▲ 0.63% above avgNationally 2.79%
Details

IRA Certificate of Deposit; early withdrawal penalty may be imposed

Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month TD Choice CD
$250
2.00% ▼ 0.62% below Delaware avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.62%▼ 0.62% below avgNationally 2.79%
Details

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

Rate History
1 change since Sep 24, 2026 · 1.00% → 2.00% ▲ 1.00 pts · high 2.00% / low 1.00%
0.00%1.50%3.00%Sep 24, 2026: 1.00% APYOct 20, 2026: 2.00% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20262.00%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
6 Month TD Choice CD - Promotional
$250
2.00% ▼ 0.62% below Delaware avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.62%▼ 0.62% below avgNationally 2.79%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month TD Choice CD
$250
1.99% ▼ 0.63% below Delaware avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.62%▼ 0.63% below avgNationally 2.79%
Details

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

Rate History
1 change since Sep 24, 2026 · 1.00% → 1.99% ▲ 0.99 pts · high 1.99% / low 1.00%
0.01%1.50%2.98%Sep 24, 2026: 1.00% APYOct 20, 2026: 1.99% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20261.99%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
6 Month TD Choice CD - Non-Promotional
$250
1.99% ▼ 0.63% below Delaware avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.62%▼ 0.63% below avgNationally 2.79%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 1.99% APY
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 20, 2026
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificates - 6 Month
$500
1.36% ▼ 1.26% below Delaware avg
View
▼
Rate1.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.62%▼ 1.26% below avgNationally 2.79%
Details

$500 Minimum; IRA; Effective May 16, 2026; Penalty equal to 31 days dividends for early withdrawal; Partial surrenders not permitted

Rate History
No change since Sep 14, 2026 · 1.36% APY · checked 6 times
0.86%1.36%1.86%Sep 14, 2026: 1.36% APYSep 14, 2026Oct 20, 2026
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular Certificates - 6 Month
$500
1.36% ▼ 1.26% below Delaware avg
View
▼
Rate1.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.62%▼ 1.26% below avgNationally 2.79%
Details

$500 Minimum; Effective May 16, 2026; Penalty equal to 31 days dividends for early withdrawal; Partial surrenders not permitted

Rate History
No change since Oct 13, 2026 · 1.36% APY · checked 2 times
0.86%1.36%1.86%Oct 13, 2026: 1.36% APYOct 13, 2026Oct 20, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
6 Month IRA/ESA Share Certificate
$0
1.00% ▼ 1.62% below Delaware avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.62%▼ 1.62% below avgNationally 2.79%
Details

IRA/ESA Share Certificate; Minimum Balance $100.00

Rate History
No change since Oct 15, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 15, 2026: 1.00% APYOct 15, 2026Oct 20, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
6 Month Regular Certificates
$0
1.00% ▼ 1.62% below Delaware avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.62%▼ 1.62% below avgNationally 2.79%
Details

Minimum Balance $1,000; Early withdrawal penalty applies

Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 20, 2026
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6 Month Certificate
$0
0.35% ▼ 2.27% below Delaware avg
View
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.62%▼ 2.27% below avgNationally 2.79%
Details

Rate History
No change since Oct 8, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 8, 2026: 0.35% APYOct 8, 2026Oct 20, 2026
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6 Month Share Certificate
$0
0.25% ▼ 2.37% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.62%▼ 2.37% below avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 8 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 20, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Standard Fixed Rate CD 6 month - Relationship
$2,500
0.06% ▼ 2.56% below Delaware avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.62%▼ 2.56% below avgNationally 2.79%
Details

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

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month TD No Catch CD
$0
0.05% ▼ 2.57% below Delaware avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.62%▼ 2.57% below avgNationally 2.79%
Details

6 Month TD No Catch CD

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

Millsboro 12 Month CD Rates

Delaware 12 Month CD Average2.83% APYNational 3.00%▲ 0.13% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
24940 John J Williams Hwy, Millsboro, DE 19966
12 Month Regular And IRA Share Certificates
$500
4.10% ▲ 1.27% above Delaware avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.83%▲ 1.27% above avgNationally 3.00%
Details

Penalties apply for early withdrawal; Dividends compounded and paid monthly

Rate History
1 change since Sep 14, 2026 · 3.30% → 4.10% ▲ 0.80 pts · high 4.10% / low 3.30%
2.50%3.70%4.90%Sep 14, 2026: 3.30% APYSep 25, 2026: 4.10% APYSep 14, 2026Oct 20, 2026
  • Sep 25, 20264.10%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
220 S Washington St, Millsboro, DE 19966
Regular CD - 12 Months
$500
3.75% ▲ 0.92% above Delaware avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.83%▲ 0.92% above avgNationally 3.00%
Details

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

Rate History
1 change since Oct 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Oct 14, 2026: 3.25% APYOct 20, 2026: 3.75% APYOct 14, 2026Oct 20, 2026
  • Oct 20, 20263.75%▲ from 3.25%
  • Oct 14, 20263.25%first recorded
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
25933 School Ln, Millsboro, DE 19966
Jumbo 12 Month Certificate of Deposit OR IRA
$100,000
3.60% ▲ 0.77% above Delaware avg
View
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.83%▲ 0.77% above avgNationally 3.00%
Details

Rate History
No change since Oct 20, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 20, 2026: 3.60% APYOct 20, 2026Oct 20, 2026
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
25933 School Ln, Millsboro, DE 19966
12 Month Certificate of Deposit OR IRA
$500
3.55% ▲ 0.72% above Delaware avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.83%▲ 0.72% above avgNationally 3.00%
Details

Rate History
No change since Sep 7, 2026 · 3.55% APY · checked 9 times
3.05%3.55%4.05%Sep 7, 2026: 3.55% APYSep 7, 2026Oct 20, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
12 Month Certificate of Deposit
$1,000
3.35% ▲ 0.52% above Delaware avg
View
▼
Rate3.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.83%▲ 0.52% above avgNationally 3.00%
Details

Balance: Over $250,000; Rates effective 10/14/2026

Rate History
4 changes since Sep 14, 2026 · 3.36% → 3.35% ▼ 0.01 pts · high 3.40% / low 3.17%
2.67%3.29%3.90%Sep 14, 2026: 3.36% APYSep 20, 2026: 3.34% APYSep 24, 2026: 3.40% APYOct 8, 2026: 3.17% APYOct 14, 2026: 3.35% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.35%▲ from 3.17%
  • Oct 8, 20263.17%▼ from 3.40%
  • Sep 24, 20263.40%▲ from 3.34%
  • Sep 20, 20263.34%▼ from 3.36%
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
12 Month Certificate of Deposit
$1,000
3.30% ▲ 0.47% above Delaware avg
View
▼
Rate3.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.83%▲ 0.47% above avgNationally 3.00%
Details

Balance: $100,000 - $249,999

Rate History
4 changes since Sep 14, 2026 · 3.36% → 3.30% ▼ 0.06 pts · high 3.40% / low 3.17%
2.67%3.29%3.90%Sep 14, 2026: 3.36% APYSep 20, 2026: 3.34% APYSep 24, 2026: 3.40% APYOct 8, 2026: 3.17% APYOct 14, 2026: 3.30% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.30%▲ from 3.17%
  • Oct 8, 20263.17%▼ from 3.40%
  • Sep 24, 20263.40%▲ from 3.34%
  • Sep 20, 20263.34%▼ from 3.36%
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
12 Month Certificates of Deposit
$1,000
3.20% ▲ 0.37% above Delaware avg
View
▼
Rate3.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.83%▲ 0.37% above avgNationally 3.00%
Details

Balance: Under $100,000; Minimum of $500 for 12 Month Term only for under 18 years old

Rate History
4 changes since Sep 14, 2026 · 3.36% → 3.20% ▼ 0.16 pts · high 3.40% / low 3.17%
2.67%3.29%3.90%Sep 14, 2026: 3.36% APYSep 20, 2026: 3.34% APYSep 24, 2026: 3.40% APYOct 8, 2026: 3.17% APYOct 14, 2026: 3.20% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.20%▲ from 3.17%
  • Oct 8, 20263.17%▼ from 3.40%
  • Sep 24, 20263.40%▲ from 3.34%
  • Sep 20, 20263.34%▼ from 3.36%
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
25926 Plaza Dr, Millsboro, DE 19966
Fixed Rate CD - 12 Month
$2,500
2.75% ▼ 0.08% below Delaware avg
View
▼
Rate2.71%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.83%▼ 0.08% below avgNationally 3.00%
Details

Open Online

Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 14, 2026: 2.75% APYOct 14, 2026Oct 20, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
220 S Washington St, Millsboro, DE 19966
Add To CD - 12 Months
$200
2.00% ▼ 0.83% below Delaware avg
View
▼
Rate2.00%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.83%▼ 0.83% below avgNationally 3.00%
Details

Additional deposits may be made anytime during your Add-To CD; Minimum to Open for IRAs: N/A

Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 20, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
28581 Dupont Blvd, Millsboro, DE 19966
Certificate of Deposit - 12-Month
$0
0.70% ▼ 2.13% below Delaware avg
View
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.83%▼ 2.13% below avgNationally 3.00%
Details

Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 8 times
0.20%0.70%1.20%Sep 18, 2026: 0.70% APYSep 18, 2026Oct 20, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
24882 John J Williams Hwy, Millsboro, DE 19966
12 Month Fixed Rate Time Deposit/IRA
$500
0.30% ▼ 2.53% below Delaware avg
View
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.83%▼ 2.53% below avgNationally 3.00%
Details

Rate History
No change since Sep 11, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 11, 2026: 0.30% APYSep 11, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
Certificate of Deposit - 12 Months
$1,000
0.03% ▼ 2.80% below Delaware avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.83%▼ 2.80% below avgNationally 3.00%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
IRA CD 12 Months
$250
0.03% ▼ 2.80% below Delaware avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.83%▼ 2.80% below avgNationally 3.00%
Details

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

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
Certificate of Deposit - 12 Months
$1,000
0.02% ▼ 2.81% below Delaware avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.83%▼ 2.81% below avgNationally 3.00%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
IRA CD 12 Months
$250
0.02% ▼ 2.81% below Delaware avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.83%▼ 2.81% below avgNationally 3.00%
Details

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

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
Certificate of Deposit - 12 Months
$1,000
0.01% ▼ 2.82% below Delaware avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.83%▼ 2.82% below avgNationally 3.00%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
IRA CD 12 Months
$250
0.01% ▼ 2.82% below Delaware avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.83%▼ 2.82% below avgNationally 3.00%
Details

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

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 20, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Online CD - 12 Months
$0
4.50% ▲ 1.67% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.83%▲ 1.67% above avgNationally 3.00%
Details

Rate History
1 change since Oct 7, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Oct 7, 2026: 4.25% APYOct 14, 2026: 4.50% APYOct 7, 2026Oct 20, 2026
  • Oct 14, 20264.50%▲ from 4.25%
  • Oct 7, 20264.25%first recorded
Comenity Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.12%
Retirement CD - 1-year
$1,500
4.45% ▲ 1.62% above Delaware avg
View
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.83%▲ 1.62% above avgNationally 3.00%
Details

Retirement certificate of deposit in an IRA; fixed rate

Rate History
No change since Oct 20, 2026 · 4.45% APY
3.95%4.45%4.95%Oct 20, 2026: 4.45% APYOct 20, 2026Oct 20, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Money CD - 12 Month
$1,000
4.40% ▲ 1.57% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.83%▲ 1.57% above avgNationally 3.00%
Details

Online Only; Minimum balance to open account online: $1,000; Not available to business customers

Rate History
1 change since Sep 28, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 28, 2026: 4.35% APYOct 14, 2026: 4.40% APYSep 28, 2026Oct 20, 2026
  • Oct 14, 20264.40%▲ from 4.35%
  • Sep 28, 20264.35%first recorded
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
12-Month CD
$1,000
4.30% ▲ 1.47% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.83%▲ 1.47% above avgNationally 3.00%
Details

APY available on a new Certificate of Deposit opened with a minimum of $1,000.00; penalty may be charged for early withdrawal; no additional deposits may be made during the term; APY accurate as of October 19th, 2026

Rate History
1 change since Sep 28, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 28, 2026: 4.20% APYOct 7, 2026: 4.30% APYSep 28, 2026Oct 20, 2026
  • Oct 7, 20264.30%▲ from 4.20%
  • Sep 28, 20264.20%first recorded
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Online CD - 12 Months
$1,000
4.30% ▲ 1.47% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.83%▲ 1.47% above avgNationally 3.00%
Details

HSBC Premier client required with new or existing HSBC Premier checking account; Online CD; Account not available to business customers; Penalty may apply for early withdrawal

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 20, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Online CDs - 12 Month
$1,000
4.30% ▲ 1.47% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.83%▲ 1.47% above avgNationally 3.00%
Details

Online Only; Only available to existing Premier customers; Minimum balance to open account online: $1,000; Not available to business customers

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 20, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Wealth Center/Telephone CD - 12 Month
$1,000
4.30% ▲ 1.47% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.83%▲ 1.47% above avgNationally 3.00%
Details

Opened in Wealth Center or over the telephone; Minimum balance to open account: $1,000; Not available to business customers

Rate History
No change since Oct 14, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month TD Choice CD
$250
4.15% ▲ 1.32% above Delaware avg
View
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.83%▲ 1.32% above avgNationally 3.00%
Details

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

Rate History
1 change since Sep 24, 2026 · 1.00% → 4.15% ▲ 3.15 pts · high 4.15% / low 1.00%
0.00%3.65%7.30%Sep 24, 2026: 1.00% APYOct 20, 2026: 4.15% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20264.15%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
12 Month TD Choice CD - Promotional
$250
4.15% ▲ 1.32% above Delaware avg
View
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.83%▲ 1.32% above avgNationally 3.00%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month TD Choice CD
$250
4.14% ▲ 1.31% above Delaware avg
View
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.83%▲ 1.31% above avgNationally 3.00%
Details

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

Rate History
1 change since Sep 24, 2026 · 1.00% → 4.14% ▲ 3.14 pts · high 4.14% / low 1.00%
0.00%3.64%7.28%Sep 24, 2026: 1.00% APYOct 20, 2026: 4.14% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20264.14%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
12 Month TD Choice CD - Non-Promotional
$250
4.14% ▲ 1.31% above Delaware avg
View
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.83%▲ 1.31% above avgNationally 3.00%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.14% APY
3.64%4.14%4.64%Oct 20, 2026: 4.14% APYOct 20, 2026Oct 20, 2026
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
12 Month Certificate
$0
4.06% ▲ 1.23% above Delaware avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.83%▲ 1.23% above avgNationally 3.00%
Details

Rate History
No change since Oct 8, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 8, 2026: 4.06% APYOct 8, 2026Oct 20, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1-year online CDs
$0
4.00% ▲ 1.17% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.83%▲ 1.17% above avgNationally 3.00%
Details

Online CD

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 20, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
12 Month 360 CD
$0
4.00% ▲ 1.17% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.83%▲ 1.17% above avgNationally 3.00%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 20, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
1 Year Business Share Certificate
$500
4.00% ▲ 1.17% above Delaware avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.83%▲ 1.17% above avgNationally 3.00%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 20, 2026
  • Oct 5, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
1 Year Share & IRA Certificate
$500
4.00% ▲ 1.17% above Delaware avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.83%▲ 1.17% above avgNationally 3.00%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 20, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
12 Month Share Certificate (Jumbo)
$25,000
4.00% ▲ 1.17% above Delaware avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.83%▲ 1.17% above avgNationally 3.00%
Details

Rate History
1 change since Sep 14, 2026 · 1.25% → 4.00% ▲ 2.75 pts · high 4.00% / low 1.25%
0.00%3.38%6.75%Sep 14, 2026: 1.25% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 20, 2026
  • Oct 5, 20264.00%▲ from 1.25%
  • Sep 14, 20261.25%first recorded
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
12 Month IRA/ESA Share Certificate
$0
3.82% ▲ 0.99% above Delaware avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.83%▲ 0.99% above avgNationally 3.00%
Details

IRA/ESA Share Certificate; Minimum Balance $100.00

Rate History
No change since Oct 15, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 15, 2026: 3.82% APYOct 15, 2026Oct 20, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
12 Month Regular Certificates
$0
3.82% ▲ 0.99% above Delaware avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.83%▲ 0.99% above avgNationally 3.00%
Details

Minimum Balance $1,000; Early withdrawal penalty applies

Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 20, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
12 Month Share Certificates
$500
3.72% ▲ 0.89% above Delaware avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.83%▲ 0.89% above avgNationally 3.00%
Details

Effective September 1, 2026; $500 Minimum

Rate History
No change since Oct 13, 2026 · 3.72% APY · checked 2 times
3.22%3.72%4.22%Oct 13, 2026: 3.72% APYOct 13, 2026Oct 20, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
12 month Regular / IRA
$500
3.70% ▲ 0.87% above Delaware avg
View
▼
Rate3.63%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.83%▲ 0.87% above avgNationally 3.00%
Details

Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 8 times
3.20%3.70%4.20%Sep 12, 2026: 3.70% APYSep 12, 2026Oct 20, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
12 Month Youth Certificate
$250
3.70% ▲ 0.87% above Delaware avg
View
▼
Rate3.63%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.83%▲ 0.87% above avgNationally 3.00%
Details

Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 8 times
3.20%3.70%4.20%Sep 12, 2026: 3.70% APYSep 12, 2026Oct 20, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate 12 MONTH
$0
3.70% ▲ 0.87% above Delaware avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.83%▲ 0.87% above avgNationally 3.00%
Details

Certificate Rates; minimum $500 for consumers; available for IRA investments; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 20, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
Share/IRA Certificate 12 Month
$500
3.66% ▲ 0.83% above Delaware avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.83%▲ 0.83% above avgNationally 3.00%
Details

Effective October 8, 2026; Rates are subject to change without notice

Rate History
1 change since Sep 25, 2026 · 3.04% → 3.66% ▲ 0.62 pts · high 3.66% / low 3.04%
2.42%3.35%4.28%Sep 25, 2026: 3.04% APYOct 15, 2026: 3.66% APYSep 25, 2026Oct 20, 2026
  • Oct 15, 20263.66%▲ from 3.04%
  • Sep 25, 20263.04%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
12 Month IRA Share Certificate
$500
3.55% ▲ 0.72% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.83%▲ 0.72% above avgNationally 3.00%
Details

Rate History
1 change since Sep 14, 2026 · 1.25% → 3.55% ▲ 2.30 pts · high 3.55% / low 1.25%
0.00%2.93%5.85%Sep 14, 2026: 1.25% APYOct 9, 2026: 3.55% APYSep 14, 2026Oct 20, 2026
  • Oct 9, 20263.55%▲ from 1.25%
  • Sep 14, 20261.25%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
12 Month Share Certificate
$500
3.55% ▲ 0.72% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.83%▲ 0.72% above avgNationally 3.00%
Details

Rate History
1 change since Sep 14, 2026 · 1.15% → 3.55% ▲ 2.40 pts · high 3.55% / low 1.15%
0.00%2.97%5.95%Sep 14, 2026: 1.15% APYOct 9, 2026: 3.55% APYSep 14, 2026Oct 20, 2026
  • 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 Share Certificates
$0
3.51% ▲ 0.68% above Delaware avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.83%▲ 0.68% above avgNationally 3.00%
Details

$25,000 Minimum

Rate History
No change since Oct 5, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Oct 5, 2026: 3.51% APYOct 5, 2026Oct 20, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
Certificate of Deposit - Branch - 12 Month
$500
3.50% ▲ 0.67% above Delaware avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.83%▲ 0.67% above avgNationally 3.00%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 20, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
IRA Share Certificates - 12 Months
$500
3.46% ▲ 0.63% above Delaware avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.83%▲ 0.63% above avgNationally 3.00%
Details

Effective September 1, 2026; $500 Minimum

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.46% ▲ 0.01 pts · high 3.46% / low 3.45%
2.95%3.46%3.96%Sep 14, 2026: 3.45% APYSep 25, 2026: 3.46% APYSep 14, 2026Oct 20, 2026
  • Sep 25, 20263.46%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1 Year Online CD
$0
3.25% ▲ 0.42% above Delaware avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.83%▲ 0.42% above avgNationally 3.00%
Details

Interest rate 3.20%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 9 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 20, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
12 Month Fixed Rate Certificate of Deposit
$0
3.15% ▲ 0.32% above Delaware avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.83%▲ 0.32% above avgNationally 3.00%
Details

Rate History
No change since Sep 24, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 24, 2026: 3.15% APYSep 24, 2026Oct 20, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Fixed Rate IRA - 12 Months
$0
3.15% ▲ 0.32% above Delaware avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.83%▲ 0.32% above avgNationally 3.00%
Details

Rate History
No change since Sep 24, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 24, 2026: 3.15% APYSep 24, 2026Oct 20, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
12 Month Share Certificate
$0
3.01% ▲ 0.18% above Delaware avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.83%▲ 0.18% above avgNationally 3.00%
Details

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

Rate History
No change since Sep 21, 2026 · 3.01% APY · checked 7 times
2.51%3.01%3.51%Sep 21, 2026: 3.01% APYSep 21, 2026Oct 20, 2026

Millsboro 18 Month CD Rates

Delaware 18 Month CD Average2.95% APYNational 2.88%▲ 0.17% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
25933 School Ln, Millsboro, DE 19966
18 Month Certificate of Deposit OR IRA
$500
4.10% ▲ 1.15% above Delaware avg
View
▼
Rate4.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▲ 1.15% above avgNationally 2.88%
Details

Rate History
1 change since Sep 7, 2026 · 3.20% → 4.10% ▲ 0.90 pts · high 4.10% / low 3.20%
2.30%3.65%5.00%Sep 7, 2026: 3.20% APYOct 14, 2026: 4.10% APYSep 7, 2026Oct 20, 2026
  • Oct 14, 20264.10%▲ from 3.20%
  • Sep 7, 20263.20%first recorded
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
25933 School Ln, Millsboro, DE 19966
Jumbo 18 Month Certificate of Deposit OR IRA
$100,000
4.10% ▲ 1.15% above Delaware avg
View
▼
Rate4.06%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▲ 1.15% above avgNationally 2.88%
Details

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 20, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
28529 Dupont Blvd, Millsboro, DE 19966
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 0.90% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▲ 0.90% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 20, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
28529 Dupont Blvd, Millsboro, DE 19966
18-Month M&T Select CD
$1,000
3.85% ▲ 0.90% above Delaware avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▲ 0.90% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 20, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
18 Month Certificate of Deposit
$1,000
3.51% ▲ 0.56% above Delaware avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.95%▲ 0.56% above avgNationally 2.88%
Details

Balance: Over $250,000; Rates effective 10/14/2026

Rate History
4 changes since Sep 14, 2026 · 3.44% → 3.51% ▲ 0.07 pts · high 3.56% / low 3.34%
2.84%3.45%4.06%Sep 14, 2026: 3.44% APYSep 20, 2026: 3.46% APYSep 24, 2026: 3.56% APYOct 8, 2026: 3.34% APYOct 14, 2026: 3.51% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.51%▲ from 3.34%
  • Oct 8, 20263.34%▼ from 3.56%
  • Sep 24, 20263.56%▲ from 3.46%
  • Sep 20, 20263.46%▲ from 3.44%
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
18 Month Certificate of Deposit
$1,000
3.45% ▲ 0.50% above Delaware avg
View
▼
Rate3.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.95%▲ 0.50% above avgNationally 2.88%
Details

Balance: $100,000 - $249,999

Rate History
4 changes since Sep 14, 2026 · 3.44% → 3.45% ▲ 0.01 pts · high 3.56% / low 3.34%
2.84%3.45%4.06%Sep 14, 2026: 3.44% APYSep 20, 2026: 3.46% APYSep 24, 2026: 3.56% APYOct 8, 2026: 3.34% APYOct 14, 2026: 3.45% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.45%▲ from 3.34%
  • Oct 8, 20263.34%▼ from 3.56%
  • Sep 24, 20263.56%▲ from 3.46%
  • Sep 20, 20263.46%▲ from 3.44%
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
18 Month Certificates of Deposit
$1,000
3.35% ▲ 0.40% above Delaware avg
View
▼
Rate3.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.95%▲ 0.40% above avgNationally 2.88%
Details

Balance: Under $100,000

Rate History
4 changes since Sep 14, 2026 · 3.44% → 3.35% ▼ 0.09 pts · high 3.56% / low 3.34%
2.84%3.45%4.06%Sep 14, 2026: 3.44% APYSep 20, 2026: 3.46% APYSep 24, 2026: 3.56% APYOct 8, 2026: 3.34% APYOct 14, 2026: 3.35% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.35%▲ from 3.34%
  • Oct 8, 20263.34%▼ from 3.56%
  • Sep 24, 20263.56%▲ from 3.46%
  • Sep 20, 20263.46%▲ from 3.44%
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
220 S Washington St, Millsboro, DE 19966
Regular CD - 18 Months
$500
3.25% ▲ 0.30% above Delaware avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▲ 0.30% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 20, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
220 S Washington St, Millsboro, DE 19966
Rising Rate (CDs + IRAs) - 18 Months
$500
3.00% ▲ 0.05% above Delaware avg
View
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▲ 0.05% above avgNationally 2.88%
Details

Minimum to open for IRAs: $250

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 20, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
25926 Plaza Dr, Millsboro, DE 19966
Fixed Rate CD - 18 Month
$2,500
2.50% ▼ 0.45% below Delaware avg
View
▼
Rate2.47%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▼ 0.45% below avgNationally 2.88%
Details

Open Online

Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 14, 2026: 2.50% APYOct 14, 2026Oct 20, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
28581 Dupont Blvd, Millsboro, DE 19966
Certificate of Deposit - 18-Month
$0
0.95% ▼ 2.00% below Delaware avg
View
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▼ 2.00% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 0.95% APY · checked 8 times
0.45%0.95%1.45%Sep 18, 2026: 0.95% APYSep 18, 2026Oct 20, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
24882 John J Williams Hwy, Millsboro, DE 19966
18 Month Fixed Rate Time Deposit/IRA
$500
0.40% ▼ 2.55% below Delaware avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.95%▼ 2.55% below avgNationally 2.88%
Details

Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 11, 2026: 0.40% APYSep 11, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
Certificate of Deposit - 18 Months
$1,000
0.03% ▼ 2.92% below Delaware avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▼ 2.92% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
IRA CD 18 Months
$250
0.03% ▼ 2.92% below Delaware avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▼ 2.92% below avgNationally 2.88%
Details

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

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
Certificate of Deposit - 18 Months
$1,000
0.02% ▼ 2.93% below Delaware avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▼ 2.93% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
IRA CD 18 Months
$250
0.02% ▼ 2.93% below Delaware avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▼ 2.93% below avgNationally 2.88%
Details

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

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
Certificate of Deposit - 18 Months
$1,000
0.01% ▼ 2.94% below Delaware avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▼ 2.94% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
IRA CD 18 Months
$250
0.01% ▼ 2.94% below Delaware avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▼ 2.94% below avgNationally 2.88%
Details

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

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 20, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Online CD - 18 Months
$0
4.50% ▲ 1.55% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▲ 1.55% above avgNationally 2.88%
Details

Rate History
1 change since Oct 7, 2026 · 3.00% → 4.50% ▲ 1.50 pts · high 4.50% / low 3.00%
1.50%3.75%6.00%Oct 7, 2026: 3.00% APYOct 14, 2026: 4.50% APYOct 7, 2026Oct 20, 2026
  • Oct 14, 20264.50%▲ from 3.00%
  • Oct 7, 20263.00%first recorded
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
18-Month CD
$1,000
4.40% ▲ 1.45% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▲ 1.45% above avgNationally 2.88%
Details

APY available on a new Certificate of Deposit opened with a minimum of $1,000.00; penalty may be charged for early withdrawal; no additional deposits may be made during the term; APY accurate as of October 19th, 2026

Rate History
1 change since Sep 28, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 28, 2026: 4.30% APYOct 7, 2026: 4.40% APYSep 28, 2026Oct 20, 2026
  • Oct 7, 20264.40%▲ from 4.30%
  • Sep 28, 20264.30%first recorded
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate 18 MONTH
$0
4.35% ▲ 1.40% above Delaware avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.95%▲ 1.40% above avgNationally 2.88%
Details

Certificate Rates; minimum $500 for consumers; available for IRA investments; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 13, 2026: 4.35% APYOct 13, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month TD Choice CD
$250
4.25% ▲ 1.30% above Delaware avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▲ 1.30% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 24, 2026 · 1.00% → 4.25% ▲ 3.25 pts · high 4.25% / low 1.00%
0.00%3.75%7.50%Sep 24, 2026: 1.00% APYOct 20, 2026: 4.25% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20264.25%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
18 Month TD Choice CD - Promotional
$250
4.25% ▲ 1.30% above Delaware avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▲ 1.30% above avgNationally 2.88%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month TD Choice CD
$250
4.24% ▲ 1.29% above Delaware avg
View
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▲ 1.29% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 24, 2026 · 1.00% → 4.24% ▲ 3.24 pts · high 4.24% / low 1.00%
0.00%3.74%7.48%Sep 24, 2026: 1.00% APYOct 20, 2026: 4.24% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20264.24%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
18 Month TD Choice CD - Non-Promotional
$250
4.24% ▲ 1.29% above Delaware avg
View
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▲ 1.29% above avgNationally 2.88%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.24% APY
3.74%4.24%4.74%Oct 20, 2026: 4.24% APYOct 20, 2026Oct 20, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18 Month IRA/ESA Share Certificate
$0
4.07% ▲ 1.12% above Delaware avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.95%▲ 1.12% above avgNationally 2.88%
Details

IRA/ESA Share Certificate; Minimum Balance $100.00

Rate History
No change since Oct 15, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 15, 2026: 4.07% APYOct 15, 2026Oct 20, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18 Month Regular Certificates
$0
4.07% ▲ 1.12% above Delaware avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.95%▲ 1.12% above avgNationally 2.88%
Details

Minimum Balance $1,000; Early withdrawal penalty applies

Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 20, 2026
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
18-Month CD
$500
4.00% ▲ 1.05% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▲ 1.05% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 20, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
Share/IRA Certificate 18 Month
$500
3.82% ▲ 0.87% above Delaware avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.95%▲ 0.87% above avgNationally 2.88%
Details

Effective October 8, 2026; Rates are subject to change without notice

Rate History
1 change since Sep 25, 2026 · 3.14% → 3.82% ▲ 0.68 pts · high 3.82% / low 3.14%
2.46%3.48%4.50%Sep 25, 2026: 3.14% APYOct 15, 2026: 3.82% APYSep 25, 2026Oct 20, 2026
  • Oct 15, 20263.82%▲ from 3.14%
  • Sep 25, 20263.14%first recorded
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
18 Month Share Certificates
$500
3.67% ▲ 0.72% above Delaware avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.95%▲ 0.72% above avgNationally 2.88%
Details

Effective September 1, 2026; $500 Minimum

Rate History
No change since Oct 13, 2026 · 3.67% APY · checked 2 times
3.17%3.67%4.17%Oct 13, 2026: 3.67% APYOct 13, 2026Oct 20, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
18 Month 360 CD
$0
3.60% ▲ 0.65% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▲ 0.65% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 20, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
Certificate of Deposit - Branch - 18 Month
$500
3.50% ▲ 0.55% above Delaware avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▲ 0.55% above avgNationally 2.88%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 20, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
18 Month Regular / IRA
$500
3.50% ▲ 0.55% above Delaware avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.95%▲ 0.55% above avgNationally 2.88%
Details

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 20, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
18 Month Jumbo Share Certificates
$0
3.46% ▲ 0.51% above Delaware avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.95%▲ 0.51% above avgNationally 2.88%
Details

$25,000 Minimum

Rate History
No change since Oct 5, 2026 · 3.46% APY · checked 3 times
2.96%3.46%3.96%Oct 5, 2026: 3.46% APYOct 5, 2026Oct 20, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
IRA Share Certificates - 18 Months
$500
3.41% ▲ 0.46% above Delaware avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.95%▲ 0.46% above avgNationally 2.88%
Details

Effective September 1, 2026; $500 Minimum

Rate History
No change since Sep 14, 2026 · 3.41% APY · checked 9 times
2.91%3.41%3.91%Sep 14, 2026: 3.41% APYSep 14, 2026Oct 20, 2026
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Month Certificate
$0
3.19% ▲ 0.24% above Delaware avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.95%▲ 0.24% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.19% APY · checked 2 times
2.69%3.19%3.69%Oct 8, 2026: 3.19% APYOct 8, 2026Oct 20, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
18 Month Fixed Rate Certificate of Deposit
$0
2.90% ▼ 0.05% below Delaware avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.95%▼ 0.05% below avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 24, 2026: 2.90% APYSep 24, 2026Oct 20, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Fixed Rate IRA - 18 Months
$0
2.90% ▼ 0.05% below Delaware avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.95%▼ 0.05% below avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 24, 2026: 2.90% APYSep 24, 2026Oct 20, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
IRA Certificate - Fixed 18 Months
$100
2.89% ▼ 0.06% below Delaware avg
View
▼
Rate2.85%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▼ 0.06% below avgNationally 2.88%
Details

IRA Certificate of Deposit; early withdrawal penalty may be imposed

Rate History
No change since Oct 14, 2026 · 2.89% APY · checked 2 times
2.39%2.89%3.39%Oct 14, 2026: 2.89% APYOct 14, 2026Oct 20, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Certificate of Deposit - 18 Months
$1,000
2.73% ▼ 0.22% below Delaware avg
View
▼
Rate2.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▼ 0.22% below avgNationally 2.88%
Details

Interest Rate 2.70%; Annual Percentage Yield 2.73%

Rate History
No change since Oct 14, 2026 · 2.73% APY · checked 2 times
2.23%2.73%3.23%Oct 14, 2026: 2.73% APYOct 14, 2026Oct 20, 2026
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
18 Month Certificate
$500
2.00% ▼ 0.95% below Delaware avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.95%▼ 0.95% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 20, 2026
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Share Certificate 18 Months
$100
0.15% ▼ 2.80% below Delaware avg
View
▼
Rate0.15%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Delaware Average2.95%▼ 2.80% below avgNationally 2.88%
Details

Compounded: Monthly; Minimum to Earn APY: $100

Rate History
No change since Oct 13, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 13, 2026: 0.15% APYOct 13, 2026Oct 20, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 18 Month
$1,000
0.05% ▼ 2.90% below Delaware avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▼ 2.90% below avgNationally 2.88%
Details

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

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 9 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 20, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo Certificate of Deposit - 18 Month
$95,000
0.05% ▼ 2.90% below Delaware avg
View
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.95%▼ 2.90% below avgNationally 2.88%
Details

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

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 9 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 20, 2026

Millsboro 24 Month CD Rates

Delaware 24 Month CD Average2.60% APYNational 2.90%▲ 0.10% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
220 S Washington St, Millsboro, DE 19966
Regular CD - 24 Months
$500
4.00% ▲ 1.40% above Delaware avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.60%▲ 1.40% above avgNationally 2.90%
Details

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

Rate History
1 change since Oct 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Oct 14, 2026: 3.50% APYOct 20, 2026: 4.00% APYOct 14, 2026Oct 20, 2026
  • Oct 20, 20264.00%▲ from 3.50%
  • Oct 14, 20263.50%first recorded
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
220 S Washington St, Millsboro, DE 19966
Rising Rate (CDs + IRAs) - 24 Months
$10,000
3.75% ▲ 1.15% above Delaware avg
View
▼
Rate3.70%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.60%▲ 1.15% above avgNationally 2.90%
Details

Minimum to open for IRAs: $10,000.00

Rate History
1 change since Sep 24, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 24, 2026: 3.25% APYOct 20, 2026: 3.75% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20263.75%▲ from 3.25%
  • Sep 24, 20263.25%first recorded
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
24 Month Certificate of Deposit
$1,000
3.59% ▲ 0.99% above Delaware avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.60%▲ 0.99% above avgNationally 2.90%
Details

Balance: Over $250,000; Rates effective 10/14/2026

Rate History
4 changes since Sep 14, 2026 · 3.52% → 3.59% ▲ 0.07 pts · high 3.62% / low 3.43%
2.93%3.53%4.12%Sep 14, 2026: 3.52% APYSep 20, 2026: 3.54% APYSep 24, 2026: 3.62% APYOct 8, 2026: 3.43% APYOct 14, 2026: 3.59% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.59%▲ from 3.43%
  • Oct 8, 20263.43%▼ from 3.62%
  • Sep 24, 20263.62%▲ from 3.54%
  • Sep 20, 20263.54%▲ from 3.52%
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
24 Month Certificate of Deposit
$1,000
3.54% ▲ 0.94% above Delaware avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.60%▲ 0.94% above avgNationally 2.90%
Details

Balance: $100,000 - $249,999

Rate History
4 changes since Sep 14, 2026 · 3.52% → 3.54% ▲ 0.02 pts · high 3.62% / low 3.43%
2.93%3.53%4.12%Sep 14, 2026: 3.52% APYSep 20, 2026: 3.54% APYSep 24, 2026: 3.62% APYOct 8, 2026: 3.43% APYOct 14, 2026: 3.54% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.54%▲ from 3.43%
  • Oct 8, 20263.43%▼ from 3.62%
  • Sep 24, 20263.62%▲ from 3.54%
  • Sep 20, 20263.54%▲ from 3.52%
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
24 Month Certificates of Deposit
$1,000
3.43% ▲ 0.83% above Delaware avg
View
▼
Rate3.39%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.60%▲ 0.83% above avgNationally 2.90%
Details

Balance: Under $100,000

Rate History
3 changes since Sep 14, 2026 · 3.52% → 3.43% ▼ 0.09 pts · high 3.62% / low 3.43%
2.93%3.53%4.12%Sep 14, 2026: 3.52% APYSep 20, 2026: 3.54% APYSep 24, 2026: 3.62% APYOct 8, 2026: 3.43% APYSep 14, 2026Oct 20, 2026
  • Oct 8, 20263.43%▼ from 3.62%
  • Sep 24, 20263.62%▲ from 3.54%
  • Sep 20, 20263.54%▲ from 3.52%
  • Sep 14, 20263.52%first recorded
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
25926 Plaza Dr, Millsboro, DE 19966
Fixed Rate CD - 24 Month
$2,500
1.50% ▼ 1.10% below Delaware avg
View
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.60%▼ 1.10% below avgNationally 2.90%
Details

Open Online

Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 20, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
28581 Dupont Blvd, Millsboro, DE 19966
Certificate of Deposit - 24-Month
$0
0.95% ▼ 1.65% below Delaware avg
View
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.60%▼ 1.65% below avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 0.95% APY · checked 8 times
0.45%0.95%1.45%Sep 18, 2026: 0.95% APYSep 18, 2026Oct 20, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
24882 John J Williams Hwy, Millsboro, DE 19966
24 Month Fixed Rate Time Deposit/IRA
$500
0.40% ▼ 2.20% below Delaware avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.60%▼ 2.20% below avgNationally 2.90%
Details

Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 11, 2026: 0.40% APYSep 11, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
Certificate of Deposit - 24 Months
$1,000
0.03% ▼ 2.57% below Delaware avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.60%▼ 2.57% below avgNationally 2.90%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
IRA CD 24 Months
$250
0.03% ▼ 2.57% below Delaware avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.60%▼ 2.57% below avgNationally 2.90%
Details

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

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
Certificate of Deposit - 24 Months
$1,000
0.02% ▼ 2.58% below Delaware avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.60%▼ 2.58% below avgNationally 2.90%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
IRA CD 24 Months
$250
0.02% ▼ 2.58% below Delaware avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.60%▼ 2.58% below avgNationally 2.90%
Details

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

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
Certificate of Deposit - 24 Months
$1,000
0.01% ▼ 2.59% below Delaware avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.60%▼ 2.59% below avgNationally 2.90%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
IRA CD 24 Months
$250
0.01% ▼ 2.59% below Delaware avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.60%▼ 2.59% below avgNationally 2.90%
Details

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

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 20, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Online CD - 24 Months
$0
4.75% ▲ 2.15% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.60%▲ 2.15% above avgNationally 2.90%
Details

Rate History
1 change since Oct 7, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Oct 7, 2026: 4.35% APYOct 14, 2026: 4.75% APYOct 7, 2026Oct 20, 2026
  • Oct 14, 20264.75%▲ from 4.35%
  • Oct 7, 20264.35%first recorded
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
New Money CD - 24 Month
$1,000
4.60% ▲ 2.00% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.60%▲ 2.00% above avgNationally 2.90%
Details

Online Only; Minimum balance to open account online: $1,000; Not available to business customers

Rate History
1 change since Sep 28, 2026 · 4.45% → 4.60% ▲ 0.15 pts · high 4.60% / low 4.45%
3.95%4.53%5.10%Sep 28, 2026: 4.45% APYOct 14, 2026: 4.60% APYSep 28, 2026Oct 20, 2026
  • Oct 14, 20264.60%▲ from 4.45%
  • Sep 28, 20264.45%first recorded
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Online CD - 24 Months
$1,000
4.40% ▲ 1.80% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.60%▲ 1.80% above avgNationally 2.90%
Details

HSBC Premier client required with new or existing HSBC Premier checking account; Online CD; Account not available to business customers; Penalty may apply for early withdrawal

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 20, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Online CDs - 24 Month
$1,000
4.40% ▲ 1.80% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.60%▲ 1.80% above avgNationally 2.90%
Details

Online Only; Only available to existing Premier customers; Minimum balance to open account online: $1,000; Not available to business customers

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 20, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Wealth Center/Telephone CD - 24 Month
$1,000
4.40% ▲ 1.80% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.60%▲ 1.80% above avgNationally 2.90%
Details

Opened in Wealth Center or over the telephone; Minimum balance to open account: $1,000; Not available to business customers

Rate History
No change since Oct 14, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month TD Choice CD
$250
4.30% ▲ 1.70% above Delaware avg
View
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.60%▲ 1.70% above avgNationally 2.90%
Details

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

Rate History
1 change since Sep 24, 2026 · 1.00% → 4.30% ▲ 3.30 pts · high 4.30% / low 1.00%
0.00%3.80%7.60%Sep 24, 2026: 1.00% APYOct 20, 2026: 4.30% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20264.30%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
24 Month TD Choice CD - Promotional
$250
4.30% ▲ 1.70% above Delaware avg
View
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.60%▲ 1.70% above avgNationally 2.90%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 20, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate 24 MONTH
$0
4.30% ▲ 1.70% above Delaware avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.60%▲ 1.70% above avgNationally 2.90%
Details

Certificate Rates; minimum $500 for consumers; available for IRA investments; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month TD Choice CD
$250
4.29% ▲ 1.69% above Delaware avg
View
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.60%▲ 1.69% above avgNationally 2.90%
Details

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

Rate History
1 change since Sep 24, 2026 · 1.00% → 4.29% ▲ 3.29 pts · high 4.29% / low 1.00%
0.00%3.79%7.58%Sep 24, 2026: 1.00% APYOct 20, 2026: 4.29% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20264.29%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
24 Month TD Choice CD - Non-Promotional
$250
4.29% ▲ 1.69% above Delaware avg
View
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.60%▲ 1.69% above avgNationally 2.90%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.29% APY
3.79%4.29%4.79%Oct 20, 2026: 4.29% APYOct 20, 2026Oct 20, 2026
edU Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.00%
24-Month CD
$500
4.00% ▲ 1.40% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.60%▲ 1.40% above avgNationally 2.90%
Details

CD Special; Limited time offer; rate type (APY/rate) not labeled on page

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 20, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
24 Month Share Certificate (Jumbo)
$25,000
4.00% ▲ 1.40% above Delaware avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.60%▲ 1.40% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 1.76% → 4.00% ▲ 2.24 pts · high 4.00% / low 1.76%
0.00%3.12%6.24%Sep 14, 2026: 1.76% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 20, 2026
  • Oct 9, 20264.00%▲ from 1.76%
  • Sep 14, 20261.76%first recorded
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
Share/IRA Certificate 24 Month
$500
3.92% ▲ 1.32% above Delaware avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.60%▲ 1.32% above avgNationally 2.90%
Details

Effective October 8, 2026; Rates are subject to change without notice

Rate History
1 change since Sep 25, 2026 · 3.20% → 3.92% ▲ 0.72 pts · high 3.92% / low 3.20%
2.48%3.56%4.64%Sep 25, 2026: 3.20% APYOct 15, 2026: 3.92% APYSep 25, 2026Oct 20, 2026
  • Oct 15, 20263.92%▲ from 3.20%
  • Sep 25, 20263.20%first recorded
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
24 Month IRA/ESA Share Certificate
$0
3.56% ▲ 0.96% above Delaware avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.60%▲ 0.96% above avgNationally 2.90%
Details

IRA/ESA Share Certificate; Minimum Balance $100.00

Rate History
No change since Oct 15, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 15, 2026: 3.56% APYOct 15, 2026Oct 20, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
24 Month Regular Certificates
$0
3.56% ▲ 0.96% above Delaware avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.60%▲ 0.96% above avgNationally 2.90%
Details

Minimum Balance $1,000; Early withdrawal penalty applies

Rate History
No change since Oct 8, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Oct 8, 2026: 3.56% APYOct 8, 2026Oct 20, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
24 Month 360 CD
$0
3.50% ▲ 0.90% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.60%▲ 0.90% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
2.70%3.90%5.10%Sep 18, 2026: 4.30% APYOct 14, 2026: 3.50% APYSep 18, 2026Oct 20, 2026
  • Oct 14, 20263.50%▼ from 4.30%
  • Sep 18, 20264.30%first recorded
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
Certificate of Deposit - Branch - 24 Month
$500
3.50% ▲ 0.90% above Delaware avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.60%▲ 0.90% above avgNationally 2.90%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 20, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
24 Month Share Certificates
$500
3.41% ▲ 0.81% above Delaware avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.60%▲ 0.81% above avgNationally 2.90%
Details

Effective September 1, 2026; $500 Minimum

Rate History
No change since Oct 13, 2026 · 3.41% APY · checked 2 times
2.91%3.41%3.91%Oct 13, 2026: 3.41% APYOct 13, 2026Oct 20, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
24 Month Regular / IRA
$500
3.40% ▲ 0.80% above Delaware avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.60%▲ 0.80% above avgNationally 2.90%
Details

Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 12, 2026: 3.40% APYSep 12, 2026Oct 20, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
24 Month IRA Share Certificate
$500
3.29% ▲ 0.69% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.60%▲ 0.69% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 1.76% → 3.29% ▲ 1.53 pts · high 3.29% / low 1.76%
0.23%2.53%4.82%Sep 14, 2026: 1.76% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 20, 2026
  • Oct 9, 20263.29%▲ from 1.76%
  • Sep 14, 20261.76%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
24 Month Share Certificate
$500
3.29% ▲ 0.69% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.60%▲ 0.69% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 1.66% → 3.29% ▲ 1.63 pts · high 3.29% / low 1.66%
0.03%2.47%4.92%Sep 14, 2026: 1.66% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 20, 2026
  • 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 Share Certificates
$0
3.20% ▲ 0.60% above Delaware avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.60%▲ 0.60% above avgNationally 2.90%
Details

$25,000 Minimum

Rate History
No change since Oct 5, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Oct 5, 2026: 3.20% APYOct 5, 2026Oct 20, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
IRA Share Certificates - 24 Months
$500
3.15% ▲ 0.55% above Delaware avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.60%▲ 0.55% above avgNationally 2.90%
Details

Effective September 1, 2026; $500 Minimum

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 9 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 20, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
2 Year Online CD
$0
3.00% ▲ 0.40% above Delaware avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.60%▲ 0.40% above avgNationally 2.90%
Details

Interest rate 2.96%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 20, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
24 Month Share Certificate
$0
2.86% ▲ 0.26% above Delaware avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.60%▲ 0.26% above avgNationally 2.90%
Details

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

Rate History
No change since Sep 21, 2026 · 2.86% APY · checked 7 times
2.36%2.86%3.36%Sep 21, 2026: 2.86% APYSep 21, 2026Oct 20, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
Share Certificate (24-Month)
$0
2.86% ▲ 0.26% above Delaware avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.60%▲ 0.26% above avgNationally 2.90%
Details

Share Certificates ($10,000 Minimum Balance); Minimum Balance for Dividends: $10,000

Rate History
No change since Sep 21, 2026 · 2.86% APY · checked 7 times
2.36%2.86%3.36%Sep 21, 2026: 2.86% APYSep 21, 2026Oct 20, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
IRA Certificate - Fixed 24 Months
$100
2.84% ▲ 0.24% above Delaware avg
View
▼
Rate2.80%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.60%▲ 0.24% above avgNationally 2.90%
Details

IRA Certificate of Deposit; early withdrawal penalty may be imposed

Rate History
No change since Oct 14, 2026 · 2.84% APY · checked 2 times
2.34%2.84%3.34%Oct 14, 2026: 2.84% APYOct 14, 2026Oct 20, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
IRA Certificate (2-Year)
$0
2.76% ▲ 0.16% above Delaware avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.60%▲ 0.16% above avgNationally 2.90%
Details

Dividend rate 2.75%; Min. Balance for Dividends: $1,000

Rate History
No change since Sep 21, 2026 · 2.76% APY · checked 6 times
2.26%2.76%3.26%Sep 21, 2026: 2.76% APYSep 21, 2026Oct 20, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Certificate of Deposit - 24 Months
$1,000
2.68% ▲ 0.08% above Delaware avg
View
▼
Rate2.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.60%▲ 0.08% above avgNationally 2.90%
Details

Interest Rate 2.65%; Annual Percentage Yield 2.68%

Rate History
No change since Oct 14, 2026 · 2.68% APY · checked 2 times
2.18%2.68%3.18%Oct 14, 2026: 2.68% APYOct 14, 2026Oct 20, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
24 Month Fixed Rate Certificate of Deposit
$0
2.50% ▼ 0.10% below Delaware avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.60%▼ 0.10% below avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 20, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Fixed Rate IRA - 24 Months
$0
2.50% ▼ 0.10% below Delaware avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.60%▼ 0.10% below avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 20, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
2 Year Business Share Certificate
$500
2.50% ▼ 0.10% below Delaware avg
View
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.60%▼ 0.10% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 20, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
2 Year Share & IRA Certificate
$500
2.50% ▼ 0.10% below Delaware avg
View
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.60%▼ 0.10% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 20, 2026
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificates - 24 Months
$500
1.06% ▼ 1.54% below Delaware avg
View
▼
Rate1.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.60%▼ 1.54% below avgNationally 2.90%
Details

$500 Minimum; IRA; Effective May 16, 2026; Penalty equal to 31 days dividends for early withdrawal; Partial surrenders not permitted

Rate History
No change since Sep 14, 2026 · 1.06% APY · checked 6 times
0.56%1.06%1.56%Sep 14, 2026: 1.06% APYSep 14, 2026Oct 20, 2026
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
24 Month Certificate
$0
0.55% ▼ 2.05% below Delaware avg
View
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.60%▼ 2.05% below avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 0.55% APY · checked 2 times
0.05%0.55%1.05%Oct 8, 2026: 0.55% APYOct 8, 2026Oct 20, 2026
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular Certificates - 24 Months
$500
0.50% ▼ 2.10% below Delaware avg
View
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.60%▼ 2.10% below avgNationally 2.90%
Details

$500 Minimum; Effective May 16, 2026; Penalty equal to 31 days dividends for early withdrawal; Partial surrenders not permitted

Rate History
No change since Oct 13, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 13, 2026: 0.50% APYOct 13, 2026Oct 20, 2026

Millsboro 36 Month CD Rates

Delaware 36 Month CD Average2.31% APYNational 2.82%▲ 0.09% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
220 S Washington St, Millsboro, DE 19966
Regular CD - 36 Months
$500
4.25% ▲ 1.94% above Delaware avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.31%▲ 1.94% above avgNationally 2.82%
Details

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

Rate History
1 change since Oct 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Oct 14, 2026: 3.50% APYOct 20, 2026: 4.25% APYOct 14, 2026Oct 20, 2026
  • Oct 20, 20264.25%▲ from 3.50%
  • Oct 14, 20263.50%first recorded
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
36 Month Certificate of Deposit
$1,000
3.73% ▲ 1.42% above Delaware avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.31%▲ 1.42% above avgNationally 2.82%
Details

Balance: Over $250,000; Rates effective 10/14/2026

Rate History
4 changes since Sep 14, 2026 · 3.71% → 3.73% ▲ 0.02 pts · high 3.73% / low 3.58%
3.08%3.66%4.23%Sep 14, 2026: 3.71% APYSep 20, 2026: 3.67% APYSep 24, 2026: 3.71% APYOct 8, 2026: 3.58% APYOct 14, 2026: 3.73% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.73%▲ from 3.58%
  • Oct 8, 20263.58%▼ from 3.71%
  • Sep 24, 20263.71%▲ from 3.67%
  • Sep 20, 20263.67%▼ from 3.71%
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
36 Month Certificate of Deposit
$1,000
3.68% ▲ 1.37% above Delaware avg
View
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.31%▲ 1.37% above avgNationally 2.82%
Details

Balance: $100,000 - $249,999

Rate History
4 changes since Sep 14, 2026 · 3.71% → 3.68% ▼ 0.03 pts · high 3.71% / low 3.58%
3.08%3.65%4.21%Sep 14, 2026: 3.71% APYSep 20, 2026: 3.67% APYSep 24, 2026: 3.71% APYOct 8, 2026: 3.58% APYOct 14, 2026: 3.68% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.68%▲ from 3.58%
  • Oct 8, 20263.58%▼ from 3.71%
  • Sep 24, 20263.71%▲ from 3.67%
  • Sep 20, 20263.67%▼ from 3.71%
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
36 Month Certificates of Deposit
$1,000
3.58% ▲ 1.27% above Delaware avg
View
▼
Rate3.53%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.31%▲ 1.27% above avgNationally 2.82%
Details

Balance: Under $100,000

Rate History
3 changes since Sep 14, 2026 · 3.71% → 3.58% ▼ 0.13 pts · high 3.71% / low 3.58%
3.08%3.65%4.21%Sep 14, 2026: 3.71% APYSep 20, 2026: 3.67% APYSep 24, 2026: 3.71% APYOct 8, 2026: 3.58% APYSep 14, 2026Oct 20, 2026
  • 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
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
24940 John J Williams Hwy, Millsboro, DE 19966
36 Month Regular And IRA Share Certificates
$500
2.52% ▲ 0.21% above Delaware avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.31%▲ 0.21% above avgNationally 2.82%
Details

Penalties apply for early withdrawal; Dividends compounded and paid monthly

Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 9 times
2.02%2.52%3.02%Sep 14, 2026: 2.52% APYSep 14, 2026Oct 20, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
28581 Dupont Blvd, Millsboro, DE 19966
Certificate of Deposit - 36-Month
$0
1.01% ▼ 1.30% below Delaware avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.31%▼ 1.30% below avgNationally 2.82%
Details

Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 8 times
0.51%1.01%1.51%Sep 18, 2026: 1.01% APYSep 18, 2026Oct 20, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
25926 Plaza Dr, Millsboro, DE 19966
Fixed Rate CD - 36 Month
$2,500
1.00% ▼ 1.31% below Delaware avg
View
▼
Rate1.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.31%▼ 1.31% below avgNationally 2.82%
Details

Open Online

Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Oct 20, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
24882 John J Williams Hwy, Millsboro, DE 19966
36 Month Fixed Rate Time Deposit/IRA
$500
0.40% ▼ 1.91% below Delaware avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.31%▼ 1.91% below avgNationally 2.82%
Details

Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 11, 2026: 0.40% APYSep 11, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
Certificate of Deposit - 36 Months
$1,000
0.03% ▼ 2.28% below Delaware avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.31%▼ 2.28% below avgNationally 2.82%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
IRA CD 36 Months
$250
0.03% ▼ 2.28% below Delaware avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.31%▼ 2.28% below avgNationally 2.82%
Details

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

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
Certificate of Deposit - 36 Months
$1,000
0.02% ▼ 2.29% below Delaware avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.31%▼ 2.29% below avgNationally 2.82%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
IRA CD 36 Months
$250
0.02% ▼ 2.29% below Delaware avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.31%▼ 2.29% below avgNationally 2.82%
Details

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

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
Certificate of Deposit - 36 Months
$1,000
0.01% ▼ 2.30% below Delaware avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.31%▼ 2.30% below avgNationally 2.82%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
IRA CD 36 Months
$250
0.01% ▼ 2.30% below Delaware avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.31%▼ 2.30% below avgNationally 2.82%
Details

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

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 20, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Online CD - 36 Months
$0
4.50% ▲ 2.19% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.31%▲ 2.19% above avgNationally 2.82%
Details

Rate History
1 change since Oct 7, 2026 · 2.50% → 4.50% ▲ 2.00 pts · high 4.50% / low 2.50%
0.50%3.50%6.50%Oct 7, 2026: 2.50% APYOct 14, 2026: 4.50% APYOct 7, 2026Oct 20, 2026
  • Oct 14, 20264.50%▲ from 2.50%
  • Oct 7, 20262.50%first recorded
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
Share/IRA Certificate 36 Month
$500
4.07% ▲ 1.76% above Delaware avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.31%▲ 1.76% above avgNationally 2.82%
Details

Effective October 8, 2026; Rates are subject to change without notice

Rate History
1 change since Sep 25, 2026 · 3.20% → 4.07% ▲ 0.87 pts · high 4.07% / low 3.20%
2.33%3.64%4.94%Sep 25, 2026: 3.20% APYOct 15, 2026: 4.07% APYSep 25, 2026Oct 20, 2026
  • Oct 15, 20264.07%▲ from 3.20%
  • Sep 25, 20263.20%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
36 Month Share Certificate (Jumbo)
$25,000
3.75% ▲ 1.44% above Delaware avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.31%▲ 1.44% above avgNationally 2.82%
Details

Rate History
1 change since Sep 14, 2026 · 2.01% → 3.75% ▲ 1.74 pts · high 3.75% / low 2.01%
0.27%2.88%5.49%Sep 14, 2026: 2.01% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 20, 2026
  • Oct 9, 20263.75%▲ from 2.01%
  • Sep 14, 20262.01%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
36 Month 360 CD
$0
3.50% ▲ 1.19% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.31%▲ 1.19% above avgNationally 2.82%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
2.70%3.90%5.10%Sep 18, 2026: 4.30% APYOct 14, 2026: 3.50% APYSep 18, 2026Oct 20, 2026
  • Oct 14, 20263.50%▼ from 4.30%
  • Sep 18, 20264.30%first recorded
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
Certificate of Deposit - Branch - 36 Month
$500
3.50% ▲ 1.19% above Delaware avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.31%▲ 1.19% above avgNationally 2.82%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 20, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
36 Month IRA/ESA Share Certificate
$0
3.45% ▲ 1.14% above Delaware avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.31%▲ 1.14% above avgNationally 2.82%
Details

IRA/ESA Share Certificate; Minimum Balance $100.00

Rate History
No change since Oct 15, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 15, 2026: 3.45% APYOct 15, 2026Oct 20, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
36 Month Regular Certificates
$0
3.45% ▲ 1.14% above Delaware avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.31%▲ 1.14% above avgNationally 2.82%
Details

Minimum Balance $1,000; Early withdrawal penalty applies

Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Oct 8, 2026: 3.45% APYOct 8, 2026Oct 20, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
36 Month Regular / IRA
$500
3.40% ▲ 1.09% above Delaware avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.31%▲ 1.09% above avgNationally 2.82%
Details

Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 12, 2026: 3.40% APYSep 12, 2026Oct 20, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate 36 MONTH
$0
3.40% ▲ 1.09% above Delaware avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.31%▲ 1.09% above avgNationally 2.82%
Details

Certificate Rates; minimum $500 for consumers; available for IRA investments; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 20, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
36 Month IRA Share Certificate
$500
3.29% ▲ 0.98% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.31%▲ 0.98% above avgNationally 2.82%
Details

Rate History
1 change since Sep 14, 2026 · 2.01% → 3.29% ▲ 1.28 pts · high 3.29% / low 2.01%
0.73%2.65%4.57%Sep 14, 2026: 2.01% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 20, 2026
  • Oct 9, 20263.29%▲ from 2.01%
  • Sep 14, 20262.01%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
36 Month Share Certificate
$500
3.29% ▲ 0.98% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.31%▲ 0.98% above avgNationally 2.82%
Details

Rate History
1 change since Sep 14, 2026 · 1.91% → 3.29% ▲ 1.38 pts · high 3.29% / low 1.91%
0.53%2.60%4.67%Sep 14, 2026: 1.91% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 20, 2026
  • Oct 9, 20263.29%▲ from 1.91%
  • Sep 14, 20261.91%first recorded
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
36 Month Share Certificate
$0
3.06% ▲ 0.75% above Delaware avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.31%▲ 0.75% above avgNationally 2.82%
Details

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

Rate History
No change since Sep 21, 2026 · 3.06% APY · checked 7 times
2.56%3.06%3.56%Sep 21, 2026: 3.06% APYSep 21, 2026Oct 20, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
Share Certificate (36-Month)
$0
3.06% ▲ 0.75% above Delaware avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.31%▲ 0.75% above avgNationally 2.82%
Details

Share Certificates ($10,000 Minimum Balance); Minimum Balance for Dividends: $10,000

Rate History
No change since Sep 21, 2026 · 3.06% APY · checked 7 times
2.56%3.06%3.56%Sep 21, 2026: 3.06% APYSep 21, 2026Oct 20, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
IRA Certificate (3-Year)
$0
2.86% ▲ 0.55% above Delaware avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.31%▲ 0.55% above avgNationally 2.82%
Details

Dividend rate 2.85%; Min. Balance for Dividends: $1,000

Rate History
No change since Sep 21, 2026 · 2.86% APY · checked 6 times
2.36%2.86%3.36%Sep 21, 2026: 2.86% APYSep 21, 2026Oct 20, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
3 Year Online CD
$0
2.75% ▲ 0.44% above Delaware avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.31%▲ 0.44% above avgNationally 2.82%
Details

Interest rate 2.71%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 20, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
3 Year Business Share Certificate
$500
2.25% ▼ 0.06% below Delaware avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.31%▼ 0.06% below avgNationally 2.82%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 4 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 20, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
3 Year Share & IRA Certificate
$500
2.25% ▼ 0.06% below Delaware avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.31%▼ 0.06% below avgNationally 2.82%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Year TD Choice CD
$250
2.00% ▼ 0.31% below Delaware avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.31%▼ 0.31% below avgNationally 2.82%
Details

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

Rate History
1 change since Sep 24, 2026 · 1.00% → 2.00% ▲ 1.00 pts · high 2.00% / low 1.00%
0.00%1.50%3.00%Sep 24, 2026: 1.00% APYOct 20, 2026: 2.00% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20262.00%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Year TD Choice CD - Promotional
$250
2.00% ▼ 0.31% below Delaware avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.31%▼ 0.31% below avgNationally 2.82%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 20, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
36 Month Fixed Rate Certificate of Deposit
$0
2.00% ▼ 0.31% below Delaware avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.31%▼ 0.31% below avgNationally 2.82%
Details

Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Oct 20, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Fixed Rate IRA - 36 Months
$0
2.00% ▼ 0.31% below Delaware avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.31%▼ 0.31% below avgNationally 2.82%
Details

Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Year TD Choice CD
$250
1.99% ▼ 0.32% below Delaware avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.31%▼ 0.32% below avgNationally 2.82%
Details

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

Rate History
1 change since Sep 24, 2026 · 1.00% → 1.99% ▲ 0.99 pts · high 1.99% / low 1.00%
0.01%1.50%2.98%Sep 24, 2026: 1.00% APYOct 20, 2026: 1.99% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20261.99%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Year TD Choice CD - Non-Promotional
$250
1.99% ▼ 0.32% below Delaware avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.31%▼ 0.32% below avgNationally 2.82%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 1.99% APY
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 20, 2026
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
36 Month Certificate
$0
0.65% ▼ 1.66% below Delaware avg
View
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.31%▼ 1.66% below avgNationally 2.82%
Details

Rate History
No change since Oct 8, 2026 · 0.65% APY · checked 2 times
0.15%0.65%1.15%Oct 8, 2026: 0.65% APYOct 8, 2026Oct 20, 2026
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Share Certificate 36 Months
$100
0.25% ▼ 2.06% below Delaware avg
View
▼
Rate0.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Delaware Average2.31%▼ 2.06% below avgNationally 2.82%
Details

Compounded: Monthly; Minimum to Earn APY: $100

Rate History
No change since Oct 13, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 13, 2026: 0.25% APYOct 13, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Year TD Step Rate CD
$0
0.10% ▼ 2.21% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.31%▼ 2.21% below avgNationally 2.82%
Details

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

Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 14, 2026: 0.10% APYOct 14, 2026Oct 20, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 36 Month
$1,000
0.05% ▼ 2.26% below Delaware avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.31%▼ 2.26% below avgNationally 2.82%
Details

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

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 9 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 20, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo Certificate of Deposit - 36 Month
$95,000
0.05% ▼ 2.26% below Delaware avg
View
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.31%▼ 2.26% below avgNationally 2.82%
Details

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

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 9 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 20, 2026

Millsboro 48 Month CD Rates

Delaware 48 Month CD Average2.51% APYNational 2.82%▲ 0.15% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
48 Month Certificate of Deposit
$1,000
3.80% ▲ 1.29% above Delaware avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.51%▲ 1.29% above avgNationally 2.82%
Details

Balance: Over $250,000; Rates effective 10/14/2026

Rate History
4 changes since Sep 14, 2026 · 3.69% → 3.80% ▲ 0.11 pts · high 3.80% / low 3.67%
3.17%3.74%4.30%Sep 14, 2026: 3.69% APYSep 20, 2026: 3.71% APYSep 24, 2026: 3.74% APYOct 8, 2026: 3.67% APYOct 14, 2026: 3.80% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.80%▲ from 3.67%
  • Oct 8, 20263.67%▼ from 3.74%
  • Sep 24, 20263.74%▲ from 3.71%
  • Sep 20, 20263.71%▲ from 3.69%
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
220 S Washington St, Millsboro, DE 19966
Regular CD - 48 Months
$500
3.75% ▲ 1.24% above Delaware avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.51%▲ 1.24% above avgNationally 2.82%
Details

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

Rate History
1 change since Oct 14, 2026 · 2.75% → 3.75% ▲ 1.00 pts · high 3.75% / low 2.75%
1.75%3.25%4.75%Oct 14, 2026: 2.75% APYOct 20, 2026: 3.75% APYOct 14, 2026Oct 20, 2026
  • Oct 20, 20263.75%▲ from 2.75%
  • Oct 14, 20262.75%first recorded
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
48 Month Certificate of Deposit
$1,000
3.75% ▲ 1.24% above Delaware avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.51%▲ 1.24% above avgNationally 2.82%
Details

Balance: $100,000 - $249,999

Rate History
4 changes since Sep 14, 2026 · 3.69% → 3.75% ▲ 0.06 pts · high 3.75% / low 3.67%
3.17%3.71%4.25%Sep 14, 2026: 3.69% APYSep 20, 2026: 3.71% APYSep 24, 2026: 3.74% APYOct 8, 2026: 3.67% APYOct 14, 2026: 3.75% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.75%▲ from 3.67%
  • Oct 8, 20263.67%▼ from 3.74%
  • Sep 24, 20263.74%▲ from 3.71%
  • Sep 20, 20263.71%▲ from 3.69%
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
48 Month Certificates of Deposit
$1,000
3.65% ▲ 1.14% above Delaware avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.51%▲ 1.14% above avgNationally 2.82%
Details

Balance: Under $100,000

Rate History
4 changes since Sep 14, 2026 · 3.69% → 3.65% ▼ 0.04 pts · high 3.74% / low 3.65%
3.15%3.70%4.24%Sep 14, 2026: 3.69% APYSep 20, 2026: 3.71% APYSep 24, 2026: 3.74% APYOct 8, 2026: 3.67% APYOct 14, 2026: 3.65% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.65%▼ from 3.67%
  • Oct 8, 20263.67%▼ from 3.74%
  • Sep 24, 20263.74%▲ from 3.71%
  • Sep 20, 20263.71%▲ from 3.69%
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
28581 Dupont Blvd, Millsboro, DE 19966
Certificate of Deposit - 48-Month
$0
1.01% ▼ 1.50% below Delaware avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.51%▼ 1.50% below avgNationally 2.82%
Details

Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 8 times
0.51%1.01%1.51%Sep 18, 2026: 1.01% APYSep 18, 2026Oct 20, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
25926 Plaza Dr, Millsboro, DE 19966
Fixed Rate CD - 48 Month
$2,500
0.75% ▼ 1.76% below Delaware avg
View
▼
Rate0.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.51%▼ 1.76% below avgNationally 2.82%
Details

Open Online

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 20, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
24882 John J Williams Hwy, Millsboro, DE 19966
48 Month Fixed Rate Time Deposit/IRA
$500
0.40% ▼ 2.11% below Delaware avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.51%▼ 2.11% below avgNationally 2.82%
Details

Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 11, 2026: 0.40% APYSep 11, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
Certificate of Deposit - 48 Months
$1,000
0.03% ▼ 2.48% below Delaware avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.51%▼ 2.48% below avgNationally 2.82%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
IRA CD 48 Months
$250
0.03% ▼ 2.48% below Delaware avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.51%▼ 2.48% below avgNationally 2.82%
Details

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

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
Certificate of Deposit - 48 Months
$1,000
0.02% ▼ 2.49% below Delaware avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.51%▼ 2.49% below avgNationally 2.82%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
IRA CD 48 Months
$250
0.02% ▼ 2.49% below Delaware avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.51%▼ 2.49% below avgNationally 2.82%
Details

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

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
Certificate of Deposit - 48 Months
$1,000
0.01% ▼ 2.50% below Delaware avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.51%▼ 2.50% below avgNationally 2.82%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
IRA CD 48 Months
$250
0.01% ▼ 2.50% below Delaware avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.51%▼ 2.50% below avgNationally 2.82%
Details

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

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 20, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Online CD - 48 Months
$0
4.50% ▲ 1.99% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.51%▲ 1.99% above avgNationally 2.82%
Details

Rate History
1 change since Oct 7, 2026 · 2.50% → 4.50% ▲ 2.00 pts · high 4.50% / low 2.50%
0.50%3.50%6.50%Oct 7, 2026: 2.50% APYOct 14, 2026: 4.50% APYOct 7, 2026Oct 20, 2026
  • 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 Month Certificate
$0
4.32% ▲ 1.81% above Delaware avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.51%▲ 1.81% above avgNationally 2.82%
Details

Rate History
No change since Oct 8, 2026 · 4.32% APY · checked 2 times
3.82%4.32%4.82%Oct 8, 2026: 4.32% APYOct 8, 2026Oct 20, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
Share/IRA Certificate 48 Month
$500
4.07% ▲ 1.56% above Delaware avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.51%▲ 1.56% above avgNationally 2.82%
Details

Effective October 8, 2026; Rates are subject to change without notice

Rate History
1 change since Sep 25, 2026 · 3.30% → 4.07% ▲ 0.77 pts · high 4.07% / low 3.30%
2.53%3.69%4.84%Sep 25, 2026: 3.30% APYOct 15, 2026: 4.07% APYSep 25, 2026Oct 20, 2026
  • Oct 15, 20264.07%▲ from 3.30%
  • Sep 25, 20263.30%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
48 Month Share Certificate (Jumbo)
$25,000
3.75% ▲ 1.24% above Delaware avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.51%▲ 1.24% above avgNationally 2.82%
Details

Rate History
1 change since Sep 14, 2026 · 2.27% → 3.75% ▲ 1.48 pts · high 3.75% / low 2.27%
0.79%3.01%5.23%Sep 14, 2026: 2.27% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 20, 2026
  • Oct 9, 20263.75%▲ from 2.27%
  • Sep 14, 20262.27%first recorded
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
Certificate of Deposit - Branch - 48 Month
$500
3.60% ▲ 1.09% above Delaware avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.51%▲ 1.09% above avgNationally 2.82%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 20, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
48 Month 360 CD
$0
3.50% ▲ 0.99% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.51%▲ 0.99% above avgNationally 2.82%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
2.70%3.90%5.10%Sep 18, 2026: 4.30% APYOct 14, 2026: 3.50% APYSep 18, 2026Oct 20, 2026
  • Oct 14, 20263.50%▼ from 4.30%
  • Sep 18, 20264.30%first recorded
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
48 Month Regular / IRA
$500
3.40% ▲ 0.89% above Delaware avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.51%▲ 0.89% above avgNationally 2.82%
Details

Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 12, 2026: 3.40% APYSep 12, 2026Oct 20, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate 48 MONTH
$0
3.40% ▲ 0.89% above Delaware avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.51%▲ 0.89% above avgNationally 2.82%
Details

Certificate Rates; minimum $500 for consumers; available for IRA investments; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 20, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
48 Month IRA/ESA Share Certificate
$0
3.35% ▲ 0.84% above Delaware avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.51%▲ 0.84% above avgNationally 2.82%
Details

IRA/ESA Share Certificate; Minimum Balance $100.00

Rate History
No change since Oct 15, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 15, 2026: 3.35% APYOct 15, 2026Oct 20, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
48 Month Regular Certificates
$0
3.35% ▲ 0.84% above Delaware avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.51%▲ 0.84% above avgNationally 2.82%
Details

Minimum Balance $1,000; Early withdrawal penalty applies

Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 8, 2026: 3.35% APYOct 8, 2026Oct 20, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
48 Month IRA Share Certificate
$500
3.29% ▲ 0.78% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.51%▲ 0.78% above avgNationally 2.82%
Details

Rate History
1 change since Sep 14, 2026 · 2.27% → 3.29% ▲ 1.02 pts · high 3.29% / low 2.27%
1.25%2.78%4.31%Sep 14, 2026: 2.27% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 20, 2026
  • Oct 9, 20263.29%▲ from 2.27%
  • Sep 14, 20262.27%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
48 Month Share Certificate
$500
3.29% ▲ 0.78% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.51%▲ 0.78% above avgNationally 2.82%
Details

Rate History
1 change since Sep 14, 2026 · 2.17% → 3.29% ▲ 1.12 pts · high 3.29% / low 2.17%
1.05%2.73%4.41%Sep 14, 2026: 2.17% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 20, 2026
  • Oct 9, 20263.29%▲ from 2.17%
  • Sep 14, 20262.17%first recorded
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
48 Month Share Certificate
$0
3.11% ▲ 0.60% above Delaware avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.51%▲ 0.60% above avgNationally 2.82%
Details

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

Rate History
No change since Sep 21, 2026 · 3.11% APY · checked 7 times
2.61%3.11%3.61%Sep 21, 2026: 3.11% APYSep 21, 2026Oct 20, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
Share Certificate (48-Month)
$0
3.11% ▲ 0.60% above Delaware avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.51%▲ 0.60% above avgNationally 2.82%
Details

Share Certificates ($10,000 Minimum Balance); Minimum Balance for Dividends: $10,000

Rate History
No change since Sep 21, 2026 · 3.11% APY · checked 7 times
2.61%3.11%3.61%Sep 21, 2026: 3.11% APYSep 21, 2026Oct 20, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
IRA Certificate (4-Year)
$0
2.86% ▲ 0.35% above Delaware avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.51%▲ 0.35% above avgNationally 2.82%
Details

Dividend rate 2.85%; Min. Balance for Dividends: $1,000

Rate History
No change since Sep 21, 2026 · 2.86% APY · checked 6 times
2.36%2.86%3.36%Sep 21, 2026: 2.86% APYSep 21, 2026Oct 20, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
4 Year Online CD
$0
2.75% ▲ 0.24% above Delaware avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.51%▲ 0.24% above avgNationally 2.82%
Details

Interest rate 2.71%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 20, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
4 Year Business Share Certificate
$500
2.25% ▼ 0.26% below Delaware avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.51%▼ 0.26% below avgNationally 2.82%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 4 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 20, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
4 Year Share & IRA Certificate
$500
2.25% ▼ 0.26% below Delaware avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.51%▼ 0.26% below avgNationally 2.82%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 20, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
48 Month Fixed Rate Certificate of Deposit
$0
2.00% ▼ 0.51% below Delaware avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.51%▼ 0.51% below avgNationally 2.82%
Details

Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Oct 20, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Fixed Rate IRA - 48 Months
$0
2.00% ▼ 0.51% below Delaware avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.51%▼ 0.51% below avgNationally 2.82%
Details

Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
4 Year TD Choice CD
$0
1.99% ▼ 0.52% below Delaware avg
View
▼
Rate1.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.51%▼ 0.52% below avgNationally 2.82%
Details

No Longer for Sale

Rate History
No change since Oct 20, 2026 · 1.99% APY
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
4 Year TD Choice CD (No Longer for Sale)
$0
1.99% ▼ 0.52% below Delaware avg
View
▼
Rate1.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.51%▼ 0.52% below avgNationally 2.82%
Details

No longer for sale

Rate History
No change since Oct 20, 2026 · 1.99% APY
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 20, 2026
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Share Certificate 48 Months
$100
0.30% ▼ 2.21% below Delaware avg
View
▼
Rate0.30%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Delaware Average2.51%▼ 2.21% below avgNationally 2.82%
Details

Compounded: Monthly; Minimum to Earn APY: $100

Rate History
No change since Oct 13, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Oct 13, 2026: 0.30% APYOct 13, 2026Oct 20, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 48 Month
$1,000
0.05% ▼ 2.46% below Delaware avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.51%▼ 2.46% below avgNationally 2.82%
Details

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

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 9 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 20, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo Certificate of Deposit - 48 Month
$95,000
0.05% ▼ 2.46% below Delaware avg
View
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.51%▼ 2.46% below avgNationally 2.82%
Details

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

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 9 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 20, 2026

Millsboro 60 Month CD Rates

Delaware 60 Month CD Average2.21% APYNational 2.93%▲ 0.07% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
60 Month Certificate of Deposit
$1,000
3.82% ▲ 1.61% above Delaware avg
View
▼
Rate3.77%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.21%▲ 1.61% above avgNationally 2.93%
Details

Balance: Over $250,000; Rates effective 10/14/2026

Rate History
4 changes since Sep 14, 2026 · 3.73% → 3.82% ▲ 0.09 pts · high 3.82% / low 3.70%
3.20%3.76%4.32%Sep 14, 2026: 3.73% APYSep 20, 2026: 3.74% APYSep 24, 2026: 3.73% APYOct 8, 2026: 3.70% APYOct 14, 2026: 3.82% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.82%▲ from 3.70%
  • Oct 8, 20263.70%▼ from 3.73%
  • Sep 24, 20263.73%▼ from 3.74%
  • Sep 20, 20263.74%▲ from 3.73%
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
60 Month Certificate of Deposit
$1,000
3.77% ▲ 1.56% above Delaware avg
View
▼
Rate3.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.21%▲ 1.56% above avgNationally 2.93%
Details

Balance: $100,000 - $249,999

Rate History
4 changes since Sep 14, 2026 · 3.73% → 3.77% ▲ 0.04 pts · high 3.77% / low 3.70%
3.20%3.74%4.27%Sep 14, 2026: 3.73% APYSep 20, 2026: 3.74% APYSep 24, 2026: 3.73% APYOct 8, 2026: 3.70% APYOct 14, 2026: 3.77% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.77%▲ from 3.70%
  • Oct 8, 20263.70%▼ from 3.73%
  • Sep 24, 20263.73%▼ from 3.74%
  • Sep 20, 20263.74%▲ from 3.73%
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
220 S Washington St, Millsboro, DE 19966
Regular CD - 60 Months
$500
3.75% ▲ 1.54% above Delaware avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.21%▲ 1.54% above avgNationally 2.93%
Details

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

Rate History
1 change since Oct 14, 2026 · 3.00% → 3.75% ▲ 0.75 pts · high 3.75% / low 3.00%
2.25%3.38%4.50%Oct 14, 2026: 3.00% APYOct 20, 2026: 3.75% APYOct 14, 2026Oct 20, 2026
  • Oct 20, 20263.75%▲ from 3.00%
  • Oct 14, 20263.00%first recorded
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
60 Month Certificates of Deposit
$1,000
3.67% ▲ 1.46% above Delaware avg
View
▼
Rate3.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.21%▲ 1.46% above avgNationally 2.93%
Details

Balance: Under $100,000

Rate History
4 changes since Sep 14, 2026 · 3.73% → 3.67% ▼ 0.06 pts · high 3.74% / low 3.67%
3.17%3.71%4.24%Sep 14, 2026: 3.73% APYSep 20, 2026: 3.74% APYSep 24, 2026: 3.73% APYOct 8, 2026: 3.70% APYOct 14, 2026: 3.67% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.67%▼ from 3.70%
  • Oct 8, 20263.70%▼ from 3.73%
  • Sep 24, 20263.73%▼ from 3.74%
  • Sep 20, 20263.74%▲ from 3.73%
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
220 S Washington St, Millsboro, DE 19966
Rising Rate (CDs + IRAs) - 60 Months
$500
3.50% ▲ 1.29% above Delaware avg
View
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.21%▲ 1.29% above avgNationally 2.93%
Details

Minimum to open for IRAs: $250

Rate History
1 change since Sep 24, 2026 · 2.50% → 3.50% ▲ 1.00 pts · high 3.50% / low 2.50%
1.50%3.00%4.50%Sep 24, 2026: 2.50% APYOct 20, 2026: 3.50% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20263.50%▲ from 2.50%
  • Sep 24, 20262.50%first recorded
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
24940 John J Williams Hwy, Millsboro, DE 19966
60 Month Regular And IRA Share Certificates
$500
2.01% ▼ 0.20% below Delaware avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.21%▼ 0.20% below avgNationally 2.93%
Details

Penalties apply for early withdrawal; Dividends compounded and paid monthly

Rate History
No change since Sep 14, 2026 · 2.01% APY · checked 9 times
1.51%2.01%2.51%Sep 14, 2026: 2.01% APYSep 14, 2026Oct 20, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
28581 Dupont Blvd, Millsboro, DE 19966
Certificate of Deposit - 60-Month
$0
1.01% ▼ 1.20% below Delaware avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.21%▼ 1.20% below avgNationally 2.93%
Details

Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 8 times
0.51%1.01%1.51%Sep 18, 2026: 1.01% APYSep 18, 2026Oct 20, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
25926 Plaza Dr, Millsboro, DE 19966
Fixed Rate CD - 60 Month
$2,500
0.75% ▼ 1.46% below Delaware avg
View
▼
Rate0.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.21%▼ 1.46% below avgNationally 2.93%
Details

Open Online

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 20, 2026
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
25933 School Ln, Millsboro, DE 19966
60 Month Certificate of Deposit OR IRA
$500
0.40% ▼ 1.81% below Delaware avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.21%▼ 1.81% below avgNationally 2.93%
Details

Rate History
No change since Sep 7, 2026 · 0.40% APY · checked 9 times
0.00%0.45%0.90%Sep 7, 2026: 0.40% APYSep 7, 2026Oct 20, 2026
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
25933 School Ln, Millsboro, DE 19966
Jumbo 60 Month Certificate of Deposit OR IRA
$100,000
0.40% ▼ 1.81% below Delaware avg
View
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.21%▼ 1.81% below avgNationally 2.93%
Details

Rate History
No change since Oct 20, 2026 · 0.40% APY
0.00%0.45%0.90%Oct 20, 2026: 0.40% APYOct 20, 2026Oct 20, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
24882 John J Williams Hwy, Millsboro, DE 19966
60 Month Fixed Rate Time Deposit/IRA
$500
0.40% ▼ 1.81% below Delaware avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.21%▼ 1.81% below avgNationally 2.93%
Details

Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 11, 2026: 0.40% APYSep 11, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
Certificate of Deposit - 60 Months
$1,000
0.03% ▼ 2.18% below Delaware avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.21%▼ 2.18% below avgNationally 2.93%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
IRA CD 60 Months
$250
0.03% ▼ 2.18% below Delaware avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.21%▼ 2.18% below avgNationally 2.93%
Details

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

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
Certificate of Deposit - 60 Months
$1,000
0.02% ▼ 2.19% below Delaware avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.21%▼ 2.19% below avgNationally 2.93%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
IRA CD 60 Months
$250
0.02% ▼ 2.19% below Delaware avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.21%▼ 2.19% below avgNationally 2.93%
Details

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

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
Certificate of Deposit - 60 Months
$1,000
0.01% ▼ 2.20% below Delaware avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.21%▼ 2.20% below avgNationally 2.93%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
118 Main St, Millsboro, DE 19966
IRA CD 60 Months
$250
0.01% ▼ 2.20% below Delaware avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.21%▼ 2.20% below avgNationally 2.93%
Details

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

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 20, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Online CD - 60 Months
$0
4.75% ▲ 2.54% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.21%▲ 2.54% above avgNationally 2.93%
Details

Rate History
1 change since Oct 7, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Oct 7, 2026: 4.25% APYOct 14, 2026: 4.75% APYOct 7, 2026Oct 20, 2026
  • Oct 14, 20264.75%▲ from 4.25%
  • Oct 7, 20264.25%first recorded
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
Share/IRA Certificate 60 Month
$500
4.07% ▲ 1.86% above Delaware avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.21%▲ 1.86% above avgNationally 2.93%
Details

Effective October 8, 2026; Rates are subject to change without notice

Rate History
1 change since Sep 25, 2026 · 3.45% → 4.07% ▲ 0.62 pts · high 4.07% / low 3.45%
2.83%3.76%4.69%Sep 25, 2026: 3.45% APYOct 15, 2026: 4.07% APYSep 25, 2026Oct 20, 2026
  • Oct 15, 20264.07%▲ from 3.45%
  • Sep 25, 20263.45%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
60 Month Share Certificate (Jumbo)
$25,000
3.75% ▲ 1.54% above Delaware avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.21%▲ 1.54% above avgNationally 2.93%
Details

Rate History
1 change since Sep 14, 2026 · 2.52% → 3.75% ▲ 1.23 pts · high 3.75% / low 2.52%
1.29%3.14%4.98%Sep 14, 2026: 2.52% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 20, 2026
  • Oct 5, 20263.75%▲ from 2.52%
  • Sep 14, 20262.52%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5-year online CDs
$0
3.60% ▲ 1.39% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.21%▲ 1.39% above avgNationally 2.93%
Details

Online CD

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 20, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
60 Month 360 CD
$0
3.60% ▲ 1.39% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.21%▲ 1.39% above avgNationally 2.93%
Details

5-year online CD

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 20, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
60 Month Regular / IRA
$500
3.40% ▲ 1.19% above Delaware avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.21%▲ 1.19% above avgNationally 2.93%
Details

Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 12, 2026: 3.40% APYSep 12, 2026Oct 20, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate 60 MONTH
$0
3.40% ▲ 1.19% above Delaware avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.21%▲ 1.19% above avgNationally 2.93%
Details

Certificate Rates; minimum $500 for consumers; available for IRA investments; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 20, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
60 Month IRA/ESA Share Certificate
$0
3.35% ▲ 1.14% above Delaware avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.21%▲ 1.14% above avgNationally 2.93%
Details

IRA/ESA Share Certificate; Minimum Balance $100.00

Rate History
No change since Oct 15, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 15, 2026: 3.35% APYOct 15, 2026Oct 20, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
60 Month Regular Certificates
$0
3.35% ▲ 1.14% above Delaware avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.21%▲ 1.14% above avgNationally 2.93%
Details

Minimum Balance $1,000; Early withdrawal penalty applies

Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 8, 2026: 3.35% APYOct 8, 2026Oct 20, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
60 Month IRA Share Certificate
$500
3.29% ▲ 1.08% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.21%▲ 1.08% above avgNationally 2.93%
Details

Rate History
1 change since Sep 14, 2026 · 2.52% → 3.29% ▲ 0.77 pts · high 3.29% / low 2.52%
1.75%2.91%4.06%Sep 14, 2026: 2.52% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 20, 2026
  • Oct 9, 20263.29%▲ from 2.52%
  • Sep 14, 20262.52%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
60 Month Share Certificate
$500
3.29% ▲ 1.08% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.21%▲ 1.08% above avgNationally 2.93%
Details

Rate History
1 change since Sep 14, 2026 · 2.42% → 3.29% ▲ 0.87 pts · high 3.29% / low 2.42%
1.55%2.86%4.16%Sep 14, 2026: 2.42% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 20, 2026
  • Oct 9, 20263.29%▲ from 2.42%
  • Sep 14, 20262.42%first recorded
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
IRA Certificate (5-Year)
$0
3.01% ▲ 0.80% above Delaware avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.21%▲ 0.80% above avgNationally 2.93%
Details

Dividend rate 3.00%; Min. Balance for Dividends: $1,000

Rate History
No change since Sep 21, 2026 · 3.01% APY · checked 6 times
2.51%3.01%3.51%Sep 21, 2026: 3.01% APYSep 21, 2026Oct 20, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
5 Year Online CD
$0
2.75% ▲ 0.54% above Delaware avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.21%▲ 0.54% above avgNationally 2.93%
Details

Interest rate 2.71%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 20, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
Online CD - 5 Year
$0
2.75% ▲ 0.54% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.21%▲ 0.54% above avgNationally 2.93%
Details

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

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 20, 2026
Shore United Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Certificate of Deposit - 60 Month
$500
2.50% ▲ 0.29% above Delaware avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.21%▲ 0.29% above avgNationally 2.93%
Details

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

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 20, 2026
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
60 Month Certificate
$500
2.50% ▲ 0.29% above Delaware avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.21%▲ 0.29% above avgNationally 2.93%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 20, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
5 Year Business Share Certificate
$500
2.25% ▲ 0.04% above Delaware avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.21%▲ 0.04% above avgNationally 2.93%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 4 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 20, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
5 Year Share & IRA Certificate
$500
2.25% ▲ 0.04% above Delaware avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.21%▲ 0.04% above avgNationally 2.93%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
5 Year TD Choice CD
$250
2.00% ▼ 0.21% below Delaware avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.21%▼ 0.21% below avgNationally 2.93%
Details

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

Rate History
1 change since Sep 24, 2026 · 1.00% → 2.00% ▲ 1.00 pts · high 2.00% / low 1.00%
0.00%1.50%3.00%Sep 24, 2026: 1.00% APYOct 20, 2026: 2.00% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20262.00%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
5 Year TD Choice CD - Promotional
$250
2.00% ▼ 0.21% below Delaware avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.21%▼ 0.21% below avgNationally 2.93%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 20, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
60 Month Fixed Rate Certificate of Deposit
$0
2.00% ▼ 0.21% below Delaware avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.21%▼ 0.21% below avgNationally 2.93%
Details

Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Oct 20, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Fixed Rate IRA - 60 Months
$0
2.00% ▼ 0.21% below Delaware avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Delaware Average2.21%▼ 0.21% below avgNationally 2.93%
Details

Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
5 Year TD Choice CD
$250
1.99% ▼ 0.22% below Delaware avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.21%▼ 0.22% below avgNationally 2.93%
Details

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

Rate History
1 change since Sep 24, 2026 · 1.00% → 1.99% ▲ 0.99 pts · high 1.99% / low 1.00%
0.01%1.50%2.98%Sep 24, 2026: 1.00% APYOct 20, 2026: 1.99% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20261.99%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
5 Year TD Choice CD - Non-Promotional
$250
1.99% ▼ 0.22% below Delaware avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.21%▼ 0.22% below avgNationally 2.93%
Details

Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 1.99% APY
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 20, 2026
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
60 Month Certificate
$0
1.31% ▼ 0.90% below Delaware avg
View
▼
Rate1.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.21%▼ 0.90% below avgNationally 2.93%
Details

Rate History
No change since Oct 8, 2026 · 1.31% APY · checked 2 times
0.81%1.31%1.81%Oct 8, 2026: 1.31% APYOct 8, 2026Oct 20, 2026
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
60 Month Share Certificate
$0
0.55% ▼ 1.66% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.21%▼ 1.66% below avgNationally 2.93%
Details

Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 8 times
0.05%0.55%1.05%Sep 14, 2026: 0.55% APYSep 14, 2026Oct 20, 2026
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
IRA Share Certificate 60 Month
$0
0.55% ▼ 1.66% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Delaware Average2.21%▼ 1.66% below avgNationally 2.93%
Details

Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 3 times
0.05%0.55%1.05%Sep 14, 2026: 0.55% APYSep 14, 2026Oct 20, 2026
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Share Certificate 60 Months
$100
0.35% ▼ 1.86% below Delaware avg
View
▼
Rate0.35%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Delaware Average2.21%▼ 1.86% below avgNationally 2.93%
Details

Compounded: Monthly; Minimum to Earn APY: $100

Rate History
No change since Oct 13, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 13, 2026: 0.35% APYOct 13, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
5 Year TD Step Rate CD
$0
0.15% ▼ 2.06% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.21%▼ 2.06% below avgNationally 2.93%
Details

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

Rate History
No change since Oct 14, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 14, 2026: 0.15% APYOct 14, 2026Oct 20, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 60 Month
$1,000
0.05% ▼ 2.16% below Delaware avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.21%▼ 2.16% below avgNationally 2.93%
Details

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

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 9 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 20, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo Certificate of Deposit - 60 Month
$95,000
0.05% ▼ 2.16% below Delaware avg
View
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Delaware Average2.21%▼ 2.16% below avgNationally 2.93%
Details

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

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 9 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 20, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Millsboro, Delaware Institutions

Highest verified APYs available today, updated October 20, 2026

B Top 5 Bank Rates
First Shore Federal S&L
Regular CD - 36 Months
A+ 5.0 ★ TX: 3.97%
Min: $500
4.25%
County Bank Rehoboth Beach, DE
18 Month Certificate of Deposit OR IRA
A+ 5.0 ★ TX: 1.58%
Min: $500
4.10%
M&T Bank
18 MONTH SELECT Certificate of Deposit
A+ 5.0 ★ TX: 4.11%
Min: $1,000
3.85%
Farmers Bank of Willards
60 Month Certificate of Deposit
A 5.0 ★ TX: 6.46%
Min: $1,000
3.82%
Wilmington Savings Fund Society (WSFS)
Fixed Rate CD - 3 Month
A+ 5.0 ★ TX: 3.10%
Min: $2,500
3.00%
CU Top 5 Credit Union Rates
Tidemark Federal Credit Union
12 Month Regular And IRA Share Certificates
A+ 5.0 ★ TX: 1.21%
Min: $500
4.10%
Franklin Mint Federal Credit Union
Certificate 18 MONTH
A 5.0 ★ TX: 6.91%
Min: $0
4.35%
Priority Plus Federal Credit Union
48 Month Certificate
A+ 5.0 ★ TX: 2.14%
Min: $0
4.32%
Eagle One Federal Credit Union
Share/IRA Certificate 36 Month
B+ 4.8 ★ TX: 17.62%
Min: $500
4.07%
Dexsta Federal Credit Union
18 Month IRA/ESA Share Certificate
A 5.0 ★ TX: 6.88%
Min: $0
4.07%
Rates verified October 20, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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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.

View Full Delaware CD Trends
12-Month CD DE Avg
2.831%
▲ 0.131 vs 7 days ago

Delaware 12-month CD rates rose 0.131 points over the past 7 days to 2.831% APY.

6-Month CD DE Avg
2.619%
▲ 0.045 vs 7 days ago

Delaware 6-month CD rates rose 0.045 points over the past 7 days to 2.619% APY.

As of Oct 20, 2026 • Rate data sourced from 8,500+ monitored institutions

DE CD Rate Forecast, Next 12 Months

Where are Delaware CD rates headed through October 2027?

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

DE 12-Month Avg APY
2.831%
6-Month Forecast
2.831%
Range: 2.63%, 2.98%
12-Month Forecast
3.081%
Range: 2.88%, 3.23%

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

Spread model: The Delaware 12-month CD average currently trades 1.54% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

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What Your Savings Earn at DE CD Rates Today

Annual interest earnings at today’s Delaware average APYs. State average used where available; national average as fallback.

CD Term DE Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.983% $99.13 $198.25 $495.63 $991.25
6-Month CD 2.619% $130.97 $261.93 $654.83 $1,309.65
12-Month CD 2.831% $141.55 $283.10 $707.75 $1,415.50
18-Month CD 2.946% $147.28 $294.56 $736.40 $1,472.80
24-Month CD 2.600% $129.98 $259.97 $649.93 $1,299.85
36-Month CD 2.313% $115.65 $231.29 $578.23 $1,156.45
48-Month CD 2.511% $125.55 $251.10 $627.75 $1,255.50
60-Month CD 2.206% $110.32 $220.64 $551.60 $1,103.20
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 20, 2026.
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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.

Build Your Ladder
Rung Term Deposit DE Avg APY Annual Earnings
1 3-Month CD $5,000 1.983% $99.13
2 6-Month CD $5,000 2.619% $130.97
3 12-Month CD $5,000 2.831% $141.55
4 24-Month CD $5,000 2.600% $129.98
5 36-Month CD $5,000 2.313% $115.65
Total ($25,000 invested) $25,000 2.469% blended $617.28/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.

Powered byMonitorBankRates
423
CD Rates
Tracked in Millsboro, Delaware
23 Banks 14 Credit Unions

About Our Millsboro, Delaware CD Rate Database

MonitorBankRates tracks 423 CD rates from 23 banks and 14 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 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: First Shore Federal S&L offers a CD at 4.25% APY with a minimum deposit of $500. 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 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 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: 37 institutions here report CD rates

Consider an Alternative If…

Millsboro, Delaware Financial Snapshot

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

Population 65+
24.9%
National avg: 17.3%
Median Individual Earnings
$39,823
National avg: $47,340
Poverty Rate
8.3%
National avg: 11.1%
Unemployment Rate
2.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$113/yr
At DE 12-mo avg 2.831% APY

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 2.831%, saving 10% of the local median salary ($3,982/year) and putting it in a CD would earn an additional $113 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 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 Millsboro, 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 Millsboro, 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 Millsboro, Delaware as everywhere in the U.S.

Choosing a CD Term in Millsboro, 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 Millsboro, Delaware savers easier access to their funds. For example, Tidemark Federal Credit Union is offering its 6 Month Regular And IRA Share Certificates at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Farmers Bank of Willards is offering its 60 Month Certificate of Deposit at 3.82% 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 Millsboro, 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 Millsboro, 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 Millsboro, 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 Millsboro, 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 Millsboro, Delaware

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

Are CD rates in Millsboro, Delaware FDIC insured?

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

Here are recent top rates found for this area:
  • First Shore Federal S&L: 4.25% APY (Regular CD - 36 Months)
  • County Bank Rehoboth Beach, DE: 4.10% APY (18 Month Certificate of Deposit OR IRA)
  • Tidemark Federal Credit Union: 4.10% APY (12 Month Regular And IRA Share Certificates)
  • M&T Bank: 3.85% APY (18 MONTH SELECT Certificate of Deposit)
  • Farmers Bank of Willards: 3.82% APY (60 Month Certificate of Deposit)
  • Wilmington Savings Fund Society (WSFS): 3.00% APY (Fixed Rate CD - 3 Month)
  • Fulton Bank: 1.01% APY (Certificate of Deposit - 36-Month)
  • Community Bank Delaware: 0.40% APY (18 Month Fixed Rate Time Deposit/IRA)
  • PNC Bank: 0.03% APY (Certificate of Deposit - 12 Months)
  • Barclays Bank: 4.75% APY (Online CD - 24 Months)
Rates reflect recent verified offers available in Millsboro, Delaware. Last Updated: October 20, 2026

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

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Millsboro, Delaware CD Rates by Term

Verified October 20, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Millsboro, Delaware. Averages shown use the Delaware state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Millsboro, Delaware

Millsboro, Delaware CD Calculator

At today’s DE top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.

Millsboro, Delaware CD Ladder

DE CD rates currently range from 1.983% (3-month) to 2.313% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Millsboro, Delaware CD at 4.25% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Delaware’s average 12-month CD is 2.831% 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 Millsboro, 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 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 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 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.

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 20, 2026

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