District Of Columbia Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
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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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.
District Of Columbia CD rates range from 0.01% to 6.00% APY, verified by MonitorBankRates as of October 23, 2026. Current District Of Columbia CD rates include Congressional Federal Credit UnionCongressional Federal Credit UnionRoom B 203, Washington, DC 20515A5.0 ★Texas Ratio: 8.63%Real return: +2.30%APY minus CPIRate verified Oct 23, 2026 offering Share Certificate - Flexible Saver - 1 Year Certificate at 6.00% APY, NATIONAL INSTITUTES OF HEALTHNATIONAL INSTITUTES OF HEALTH5215 Loughboro Rd NW, Washington, DC 20016A+5.0 ★Texas Ratio: 4.98%Real return: +1.30%APY minus CPIRate verified Oct 19, 2026 offering 6 Month Youth Saver at 5.00% APY, Library Of Congress Federal Credit UnionLibrary Of Congress Federal Credit Union101 Independence Ave SE Rm 634, Washington, DC 20540 0002A+5.0 ★Texas Ratio: 1.72%Real return: +1.19%APY minus CPIRate verified Oct 23, 2026 offering 60 Month Traditional, Roth, SEP & Education IRA Certificate at 4.89% APY, HSBC Bank USAHSBC Bank USA802 7th St Nw, Washington, DC 20001A+5.0 ★Texas Ratio: 4.86%Real return: +0.90%APY minus CPIRate verified Oct 20, 2026 offering New Money CD - 24 Month at 4.60% APY, and PAHO WHO Federal Credit UnionPAHO WHO Federal Credit Union2112 F St NW, Washington, DC 20037A+5.0 ★Texas Ratio: 2.02%Real return: +0.89%APY minus CPIRate verified Oct 19, 2026 offering 36 Month Share Certificate at 4.59% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in District Of Columbia side-by-side. District Of Columbia CD rates currently reach as high as 6.00% APY from Congressional Federal Credit Union at Room B 203, Washington, DC 20515. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 23, 2026
Compare Best CD Rates in District Of Columbia
District Of Columbia 3 Month CD Rates
MonitorBankRates District Of Columbia Average · 3 Month CD1.73% APY▲ 0.06% from last weekNational 2.13%
The average 3-month CD rate in District Of Columbia is 1.73% APY, compared with 2.13% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
IRA 3 Month Certificate
$500
3.88%
▲ 2.15% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average1.73%▲ 2.15% above avgNationally 2.13%
Details
Dividends compounded daily and credited monthly; early withdrawal penalties apply
Rate History
No change since Oct 19, 2026 · 3.88% APY
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1432 U St Nw, Washington, DC 20009
Digital 3 Month CD
$1,000
3.75%
▲ 2.02% above District Of Columbia avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average1.73%▲ 2.02% above avgNationally 2.13%
Details
Digital Products
Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 2 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
Certificate of Deposit - 3 Months
$1,000
3.65%
▲ 1.92% above District Of Columbia avg
▼
Rate3.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average1.73%▲ 1.92% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
Certificate - 3 Month
$500
3.62%
▲ 1.89% above District Of Columbia avg
▼
Rate3.56%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average1.73%▲ 1.89% above avgNationally 2.13%
Details
Rate History
No change since Oct 19, 2026 · 3.63% APY
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1432 U St Nw, Washington, DC 20009
3 Month CD
$1,000
3.50%
▲ 1.77% above District Of Columbia avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average1.73%▲ 1.77% above avgNationally 2.13%
Details
Retail/Consumer only
Rate History
No change since Sep 8, 2026 · 3.50% APY · checked 11 times
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1432 U St Nw, Washington, DC 20009
3 Month IRA CD (91-Day)
$1,000
3.50%
▲ 1.77% above District Of Columbia avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average1.73%▲ 1.77% above avgNationally 2.13%
Details
Rate History
No change since Sep 8, 2026 · 3.50% APY · checked 11 times
Department of The Interior Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
1849 C ST NW RM B038, Washington, DC 20240
3 Month Certificate
$0
3.04%
▲ 1.31% above District Of Columbia avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average1.73%▲ 1.31% above avgNationally 2.13%
Details
Rate History
No change since Oct 4, 2026 · 3.04% APY · checked 4 times
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1025 Connecticut Ave Nw Fl 1, Washington, DC 20036
3 Month Standard CD
$1,000
3.00%
▲ 1.27% above District Of Columbia avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average1.73%▲ 1.27% above avgNationally 2.13%
Details
Standard CD/IRA term; minimum opening deposit CD $1,000, IRA $500
Rate History
No change since Oct 20, 2026 · 3.00% APY
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
Share Certificate - Jumbo - 90 Day Certificate
$100,000
2.90%
▲ 1.17% above District Of Columbia avg
▼
Rate2.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average1.73%▲ 1.17% above avgNationally 2.13%
Details
Jumbo; Rates effective as of 10/22/2026
Rate History
No change since Oct 23, 2026 · 2.90% APY
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
2001 M St Nw, Washington, DC 20036
3 Month Personal CD
$0
2.78%
▲ 1.05% above District Of Columbia avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average1.73%▲ 1.05% above avgNationally 2.13%
Details
Term: 3 months (90 to 179 days)
Rate History
No change since Oct 14, 2026 · 2.78% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1753 Connecticut Ave Nw, Washington, DC 20009
3 Month TD Choice CD
$250
2.00%
▲ 0.27% above District Of Columbia avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
District Of Columbia Average1.73%▲ 0.27% above avgNationally 2.13%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1753 Connecticut Ave Nw, Washington, DC 20009
3 Month TD Choice CD
$250
1.99%
▲ 0.26% above District Of Columbia avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
District Of Columbia Average1.73%▲ 0.26% above avgNationally 2.13%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4251 Suitland Rd Ste 2N100, Washington, DC 20395
3 Month Short-Term Certificate
$0
1.55%
▼ 0.18% below District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average1.73%▼ 0.18% below avgNationally 2.13%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 1.55% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4251 Suitland Rd Ste 2N100, Washington, DC 20395
3 Month Short-Term Certificate
$0
1.50%
▼ 0.23% below District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average1.73%▼ 0.23% below avgNationally 2.13%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 1.50% APY
The National Capital Bank of Washington
Institution Rating:
A-5.0 ★Texas Ratio: 14.51%
316 Pennsylvania Ave Se, Washington, DC 20003
3 Month Platinum Account Holders Certificate of Deposit
$0
1.36%
▼ 0.37% below District Of Columbia avg
▼
Rate1.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
District Of Columbia Average1.73%▼ 0.37% below avgNationally 2.13%
Details
Platinum account holders; Early Withdrawal Penalty: 30 days' simple interest; Minimum Balance to Open and Obtain APY: $1,000; Rate is 0.10% higher than standard CD rates and may differ at renewal
Rate History
No change since Oct 20, 2026 · 1.36% APY · checked 3 times
The National Capital Bank of Washington
Institution Rating:
A-5.0 ★Texas Ratio: 14.51%
316 Pennsylvania Ave Se, Washington, DC 20003
3 Month Certificate of Deposit
$0
1.26%
▼ 0.47% below District Of Columbia avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
District Of Columbia Average1.73%▼ 0.47% below avgNationally 2.13%
Details
Early Withdrawal Penalty: 30 days' simple interest; Minimum Balance to Open and Obtain APY: $1,000
Rate History
No change since Oct 20, 2026 · 1.26% APY · checked 3 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
3 Month Jumbo Share Certificate
$100,000
1.12%
▼ 0.61% below District Of Columbia avg
▼
Rate1.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average1.73%▼ 0.61% below avgNationally 2.13%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 15, 2026 · 1.12% APY · checked 2 times
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
441 G St NW Rm 1100, Washington, DC 20548 0001
3 Month Smart Share Certificate
$1,000
1.11%
▼ 0.62% below District Of Columbia avg
▼
Rate1.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average1.73%▼ 0.62% below avgNationally 2.13%
Details
Balance: $200,000 Plus Jumbo; Jumbo: $200,000 and up
Rate History
1 change since Sep 18, 2026 · 1.06% → 1.11% ▲ 0.05 pts · high 1.11% / low 1.06%
- Oct 20, 20261.11%▲ from 1.06%
- Sep 18, 20261.06%first recorded
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
441 G St NW Rm 1100, Washington, DC 20548 0001
Business Share Certificates - 3 months
$0
1.11%
▼ 0.62% below District Of Columbia avg
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average1.73%▼ 0.62% below avgNationally 2.13%
Details
Balance: $200,000 Plus Jumbo
Rate History
1 change since Sep 18, 2026 · 1.06% → 1.11% ▲ 0.05 pts · high 1.11% / low 1.06%
- Oct 14, 20261.11%▲ from 1.06%
- Sep 18, 20261.06%first recorded
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
441 G St NW Rm 1100, Washington, DC 20548 0001
Smart Share Certificates - 3 months
$1,000
1.11%
▼ 0.62% below District Of Columbia avg
▼
Rate1.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average1.73%▼ 0.62% below avgNationally 2.13%
Details
Balance: $200,000 Plus Jumbo
Rate History
1 change since Sep 18, 2026 · 1.06% → 1.11% ▲ 0.05 pts · high 1.11% / low 1.06%
- Oct 20, 20261.11%▲ from 1.06%
- Sep 18, 20261.06%first recorded
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
441 G St NW Rm 1100, Washington, DC 20548 0001
3 Month Smart Share Certificate
$1,000
1.06%
▼ 0.67% below District Of Columbia avg
▼
Rate1.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average1.73%▼ 0.67% below avgNationally 2.13%
Details
Balance: $100,000 - $199,999
Rate History
No change since Sep 27, 2026 · 1.06% APY · checked 2 times
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
441 G St NW Rm 1100, Washington, DC 20548 0001
Business Share Certificates - 3 months
$0
1.06%
▼ 0.67% below District Of Columbia avg
▼
Rate1.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average1.73%▼ 0.67% below avgNationally 2.13%
Details
Balance: $100,000 -$199,999
Rate History
No change since Sep 18, 2026 · 1.06% APY · checked 7 times
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
441 G St NW Rm 1100, Washington, DC 20548 0001
Smart Share Certificates - 3 months
$1,000
1.06%
▼ 0.67% below District Of Columbia avg
▼
Rate1.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average1.73%▼ 0.67% below avgNationally 2.13%
Details
Balance: $100,000 -$199,999
Rate History
No change since Sep 18, 2026 · 1.06% APY · checked 7 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
3 Month Share Certificate
$500
1.02%
▼ 0.71% below District Of Columbia avg
▼
Rate1.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average1.73%▼ 0.71% below avgNationally 2.13%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 1.12% → 1.02% ▼ 0.10 pts · high 1.12% / low 1.02%
- Oct 15, 20261.02%▼ from 1.12%
- Sep 25, 20261.12%first recorded
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
441 G St NW Rm 1100, Washington, DC 20548 0001
3 Month Smart Share Certificate
$1,000
1.01%
▼ 0.72% below District Of Columbia avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average1.73%▼ 0.72% below avgNationally 2.13%
Details
Balance: less than $99,999
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 7 times
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
441 G St NW Rm 1100, Washington, DC 20548 0001
Business Share Certificates - 3 months
$0
1.01%
▼ 0.72% below District Of Columbia avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average1.73%▼ 0.72% below avgNationally 2.13%
Details
Balance: less than $99,999
Rate History
1 change since Sep 18, 2026 · 1.06% → 1.01% ▼ 0.05 pts · high 1.06% / low 1.01%
- Sep 24, 20261.01%▼ from 1.06%
- Sep 18, 20261.06%first recorded
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
441 G St NW Rm 1100, Washington, DC 20548 0001
Smart Share Certificates - 3 months
$1,000
1.01%
▼ 0.72% below District Of Columbia avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average1.73%▼ 0.72% below avgNationally 2.13%
Details
Balance: less than $99,999
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 7 times
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1717 DeSales St NW, Washington, DC 20036
Investment Share and IRA Certificates - 3 Months
$0
1.00%
▼ 0.73% below District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average1.73%▼ 0.73% below avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1825 K St Nw, Washington, DC 20006
IRA CDs - 3 months
$0
0.70%
▼ 1.03% below District Of Columbia avg
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average1.73%▼ 1.03% below avgNationally 2.13%
Details
Balance: $500-$249,999.99
Rate History
1 change since Sep 9, 2026 · 0.55% → 0.70% ▲ 0.15 pts · high 0.70% / low 0.55%
- Sep 27, 20260.70%▲ from 0.55%
- Sep 9, 20260.55%first recorded
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
1101 2nd St NE, Washington, DC 20002 3403
Certificate - 3 months
$500
0.65%
▼ 1.08% below District Of Columbia avg
▼
Rate0.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average1.73%▼ 1.08% below avgNationally 2.13%
Details
Current rates as of October 1, 2025
Rate History
No change since Oct 22, 2026 · 0.65% APY · checked 2 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
1001 G St Nw, Washington, DC 20001
3 Month Standard Rate CDs
$500
0.50%
▼ 1.23% below District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
District Of Columbia Average1.73%▼ 1.23% below avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 7 times
Presidential Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.48%
1660 K St Nw, Washington, DC 20006
90 Day CD
$1,000
0.10%
▼ 1.63% below District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average1.73%▼ 1.63% below avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 8 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1350 New York Ave Nw, Washington, DC 20005
Standard Fixed Rate CD 3 month - Relationship
$2,500
0.06%
▼ 1.67% below District Of Columbia avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average1.73%▼ 1.67% below avgNationally 2.13%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1350 New York Ave Nw, Washington, DC 20005
Standard Fixed Rate CD 3 month
$2,500
0.05%
▼ 1.68% below District Of Columbia avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average1.73%▼ 1.68% below avgNationally 2.13%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1100 G St Nw, Washington, DC 20005
3 Month Personal Certificate of Deposit
$1,000
0.05%
▼ 1.68% below District Of Columbia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average1.73%▼ 1.68% below avgNationally 2.13%
Details
Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3806 12th St Ne, Washington, DC 20017
Certificate of Deposit - 3 Months
$1,000
0.03%
▼ 1.70% below District Of Columbia avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average1.73%▼ 1.70% below avgNationally 2.13%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3806 12th St Ne, Washington, DC 20017
Certificate of Deposit - 3 Months
$1,000
0.02%
▼ 1.71% below District Of Columbia avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average1.73%▼ 1.71% below avgNationally 2.13%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
3 Month Share Certificates
$500
0.02%
▼ 1.71% below District Of Columbia avg
▼
Rate0.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average1.73%▼ 1.71% below avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 7 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Business Share Certificate - 3 Months
$500
0.02%
▼ 1.71% below District Of Columbia avg
▼
Rate0.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average1.73%▼ 1.71% below avgNationally 2.13%
Details
Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3806 12th St Ne, Washington, DC 20017
Certificate of Deposit - 3 Months
$1,000
0.01%
▼ 1.72% below District Of Columbia avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average1.73%▼ 1.72% below avgNationally 2.13%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
District Of Columbia 6 Month CD Rates
MonitorBankRates District Of Columbia Average · 6 Month CD3.03% APY▲ 0.04% from last weekNational 2.78%
The average 6-month CD rate in District Of Columbia is 3.03% APY, compared with 2.78% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
6 Month Youth Saver
$500
5.00%
▲ 1.97% above District Of Columbia avg
▼
Rate4.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.03%▲ 1.97% above avgNationally 2.78%
Details
Youth Saver
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 7 times
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
300 E St SW Ste GC 21, Washington, DC 20024
Share Certificate - 6 months
$0
4.30%
▲ 1.27% above District Of Columbia avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.03%▲ 1.27% above avgNationally 2.78%
Details
Effective as of October 1, 2026
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Sep 27, 20264.30%▲ from 4.00%
- Sep 18, 20264.00%first recorded
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1432 U St Nw, Washington, DC 20009
Digital 6 Month CD
$1,000
4.25%
▲ 1.22% above District Of Columbia avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.03%▲ 1.22% above avgNationally 2.78%
Details
Digital certificate of deposit; Online Only
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
2001 M St Nw, Washington, DC 20036
Special 6-Month Fixed Rate CD
$10,000
4.23%
▲ 1.20% above District Of Columbia avg
▼
Rate4.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.03%▲ 1.20% above avgNationally 2.78%
Details
New money deposits required; $10,000 minimum opening deposit
Rate History
1 change since Oct 14, 2026 · 4.00% → 4.23% ▲ 0.23 pts · high 4.23% / low 4.00%
- Oct 20, 20264.23%▲ from 4.00%
- Oct 14, 20264.00%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
6 Month CD
$1,000
4.20%
▲ 1.17% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.03%▲ 1.17% above avgNationally 2.78%
Details
APY accurate as of 09/24/2026; APY assumes interest remains on deposit until maturity date; Penalty for early withdrawal may reduce earnings
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 8 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
Certificate of Deposit - 6 Months
$1,000
4.20%
▲ 1.17% above District Of Columbia avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.03%▲ 1.17% above avgNationally 2.78%
Details
Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 2 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
6 Month Share Certificate
$500
4.13%
▲ 1.10% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.03%▲ 1.10% above avgNationally 2.78%
Details
Balance: $1M+; Minimum $500 deposit required for certificate accounts
Rate History
No change since Oct 14, 2026 · 4.13% APY · checked 2 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
IRA Certificate - 6 Months
$500
4.13%
▲ 1.10% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.03%▲ 1.10% above avgNationally 2.78%
Details
Minimum $500 deposit required for IRA certificate accounts.
Rate History
No change since Sep 22, 2026 · 4.13% APY · checked 4 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
802 7th St Nw, Washington, DC 20001
New Money CD - 6 Month
$1,000
4.10%
▲ 1.07% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.03%▲ 1.07% above avgNationally 2.78%
Details
New Money CD; Minimum balance to open account online: $1,000
Rate History
1 change since Sep 27, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
- Oct 14, 20264.10%▲ from 4.05%
- Sep 27, 20264.05%first recorded
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1432 U St Nw, Washington, DC 20009
6 Month CD
$1,000
4.10%
▲ 1.07% above District Of Columbia avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.03%▲ 1.07% above avgNationally 2.78%
Details
Retail/Consumer only
Rate History
1 change since Sep 8, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Oct 20, 20264.10%▲ from 3.70%
- Sep 8, 20263.70%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
802 7th St Nw, Washington, DC 20001
HSBC Wealth Center/Telephone CD - 6 Month
$1,000
4.00%
▲ 0.97% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.03%▲ 0.97% above avgNationally 2.78%
Details
Wealth Center/Telephone; Minimum balance to open account: $1,000; Not available to business customers
Rate History
No change since Oct 20, 2026 · 4.00% APY
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
802 7th St Nw, Washington, DC 20001
Online CD - 6 Month
$1,000
4.00%
▲ 0.97% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.03%▲ 0.97% above avgNationally 2.78%
Details
Only available to existing Premier customers; Minimum balance to open account online: $1,000; Opened online
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 7 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
802 7th St Nw, Washington, DC 20001
Online Certificate of Deposit - 6 months
$1,000
4.00%
▲ 0.97% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.03%▲ 0.97% above avgNationally 2.78%
Details
HSBC Premier relationship required; minimum balance to open and obtain APY is $1000; early withdrawal penalty may apply; not available to business customers
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 7 times
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
6 Month Share Certificate
$500
3.95%
▲ 0.92% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.92% above avgNationally 2.78%
Details
Rate History
No change since Oct 23, 2026 · 3.95% APY
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
Board of Governors of the Federal Reserve System, Washington, DC 20551
6 Month Term Share Certificate
$1,000
3.89%
▲ 0.86% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.86% above avgNationally 2.78%
Details
Rates effective as of October 1, 2026; Minimum balance of $1,000.00 required to open the account and obtain the advertised APY
Rate History
No change since Oct 15, 2026 · 3.89% APY · checked 2 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
6 Month Share Certificate
$500
3.87%
▲ 0.84% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.03%▲ 0.84% above avgNationally 2.78%
Details
Balance: $250,000-$999,999; Minimum $500 deposit required for certificate accounts
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 7 times
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.15%
1130 Connecticut Ave Nw, Washington, DC 20036
Certificate of Deposit - 6 Month
$500
3.85%
▲ 0.82% above District Of Columbia avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
District Of Columbia Average3.03%▲ 0.82% above avgNationally 2.78%
Details
Minimum to Open and Obtain APY: $500; rates current as of October 22, 2026
Rate History
No change since Sep 9, 2026 · 3.85% APY · checked 10 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
6 Month Share Certificates
$500
3.82%
▲ 0.79% above District Of Columbia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.79% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Business Share Certificate - 6 Months
$500
3.82%
▲ 0.79% above District Of Columbia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.79% above avgNationally 2.78%
Details
Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal
Rate History
1 change since Oct 4, 2026 · 4.25% → 3.82% ▼ 0.43 pts · high 4.25% / low 3.82%
- Oct 12, 20263.82%▼ from 4.25%
- Oct 4, 20264.25%first recorded
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1717 DeSales St NW, Washington, DC 20036
Investment Share and IRA Certificates - 6 Months
$0
3.75%
▲ 0.72% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.72% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 5, 20263.75%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Department of The Interior Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
1849 C ST NW RM B038, Washington, DC 20240
6 Month Certificate
$0
3.71%
▲ 0.68% above District Of Columbia avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.68% above avgNationally 2.78%
Details
Rate History
No change since Oct 4, 2026 · 3.71% APY · checked 4 times
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1432 U St Nw, Washington, DC 20009
6 Month IRA CD (182-Day)
$1,000
3.70%
▲ 0.67% above District Of Columbia avg
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.03%▲ 0.67% above avgNationally 2.78%
Details
Rate History
No change since Sep 8, 2026 · 3.70% APY · checked 11 times
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
6 Month Share Certificate
$0
3.70%
▲ 0.67% above District Of Columbia avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.67% above avgNationally 2.78%
Details
Balance: $250,000.00 and over; Super Jumbo tier; Effective Date: 10-01-2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50%
- Oct 5, 20263.70%▲ from 3.50%
- Sep 14, 20263.50%first recorded
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
6 Month Jumbo Certificate
$0
3.64%
▲ 0.61% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.61% above avgNationally 2.78%
Details
Share Certificates; Minimum Balances of $100,000
Rate History
No change since Sep 25, 2026 · 3.64% APY · checked 5 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
Jumbo Certificate - 6 Months
$0
3.64%
▲ 0.61% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.61% above avgNationally 2.78%
Details
Jumbo Certificate (Minimum Balances of $100,000); Early withdrawal penalties may apply
Rate History
No change since Sep 25, 2026 · 3.64% APY · checked 5 times
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
IRA 6 Month Certificate
$500
3.62%
▲ 0.59% above District Of Columbia avg
▼
Rate3.56%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.03%▲ 0.59% above avgNationally 2.78%
Details
Dividends compounded daily and credited monthly; early withdrawal penalties apply
Rate History
No change since Oct 19, 2026 · 3.63% APY
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
Share Certificate - Jumbo - 6 Month Certificate
$100,000
3.60%
▲ 0.57% above District Of Columbia avg
▼
Rate3.53%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.57% above avgNationally 2.78%
Details
Jumbo; Rates effective as of 10/22/2026
Rate History
No change since Oct 23, 2026 · 3.60% APY
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
6 Month Share Certificate
$0
3.60%
▲ 0.57% above District Of Columbia avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.57% above avgNationally 2.78%
Details
Balance: $100,000.00 - $249,999.99; Jumbo tier; Effective Date: 10-01-2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50%
- Oct 5, 20263.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
PEPCO Federal Credit Union
Institution Rating:
C-3.7 ★Texas Ratio: 30.66%
701 9th St NW Ste 6230, Washington, DC 20001 4572
Share Certificate - 6 Month Add
$50
3.57%
▲ 0.54% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.54% above avgNationally 2.78%
Details
Add on
Rate History
No change since Oct 22, 2026 · 3.57% APY · checked 2 times
AFL-CIO Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
555 New Jersey Ave NW, Washington, DC 20001
Term Share Certificate - 6 months
$500
3.56%
▲ 0.53% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.53% above avgNationally 2.78%
Details
Rate History
No change since Oct 23, 2026 · 3.56% APY
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
6 Month Certificate
$0
3.55%
▲ 0.52% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.52% above avgNationally 2.78%
Details
Share Certificates; Minimum Balances of $500
Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 5 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
Certificate - 6 Months
$0
3.55%
▲ 0.52% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.52% above avgNationally 2.78%
Details
Certificate (Minimum Balances of $500); Early withdrawal penalties may apply
Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 6 times
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
Share Certificate - 6 Month Certificate
$1,000
3.50%
▲ 0.47% above District Of Columbia avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.47% above avgNationally 2.78%
Details
Rates effective as of 10/22/2026
Rate History
No change since Oct 23, 2026 · 3.50% APY
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
6 Month Share Certificate
$0
3.50%
▲ 0.47% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.47% above avgNationally 2.78%
Details
Balance: $1,000.00 - $99,999.99; Regular tier; Effective Date: 10-01-2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
441 G St NW Ste 3M54, Washington, DC 20548 0001
6 Month Share Certificate
$500
3.49%
▲ 0.46% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.46% above avgNationally 2.78%
Details
Not available for IRA accounts
Rate History
No change since Oct 12, 2026 · 3.49% APY · checked 2 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
6 Month Share Certificate
$500
3.45%
▲ 0.42% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.03%▲ 0.42% above avgNationally 2.78%
Details
Balance: $100,000-$249,999; Minimum $500 deposit required for certificate accounts
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.45% ▲ 0.05 pts · high 3.45% / low 3.40%
- Oct 1, 20263.45%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
1400 Independence Ave SW, Washington, DC 20250
6 Month Certificate
$250
3.40%
▲ 0.37% above District Of Columbia avg
▼
Rate3.36%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.37% above avgNationally 2.78%
Details
Frequency: Quarterly
Rate History
1 change since Oct 22, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
- Oct 23, 20263.40%▲ from 3.15%
- Oct 22, 20263.15%first recorded
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
1400 Independence Ave SW, Washington, DC 20250
Certificate - 6 Months
$250
3.40%
▲ 0.37% above District Of Columbia avg
▼
Rate3.36%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.37% above avgNationally 2.78%
Details
Frequency: Quarterly
Rate History
1 change since Oct 22, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
- Oct 23, 20263.40%▲ from 3.15%
- Oct 22, 20263.15%first recorded
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
6 Month Share Certificate
$500
3.40%
▲ 0.37% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.03%▲ 0.37% above avgNationally 2.78%
Details
Balance: $500-$99,999; Minimum $500 deposit required for certificate accounts
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.40% ▲ 0.05 pts · high 3.40% / low 3.35%
- Oct 1, 20263.40%▲ from 3.35%
- Sep 14, 20263.35%first recorded
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
Certificate - 6 Month
$500
3.38%
▲ 0.35% above District Of Columbia avg
▼
Rate3.32%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.03%▲ 0.35% above avgNationally 2.78%
Details
Rate History
No change since Oct 19, 2026 · 3.38% APY
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4860 Massachusetts Ave Nw, Washington, DC 20016
6 Month 360 CD
$0
3.30%
▲ 0.27% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.03%▲ 0.27% above avgNationally 2.78%
Details
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.30% ▼ 1.00 pts · high 4.30% / low 3.30%
- Oct 14, 20263.30%▼ from 4.30%
- Sep 18, 20264.30%first recorded
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
Share Certificates - 6 Months Mini-Jumbo - FedPerks
$500
3.30%
▲ 0.27% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.27% above avgNationally 2.78%
Details
Balance: $50,000 and above; FedPerks member rate; Limited to two per member; Dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 3.30% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
Share Certificates - 6 Months Regular - FedPerks
$500
3.25%
▲ 0.22% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.22% above avgNationally 2.78%
Details
Balance: $500 - $49,999; FedPerks member rate; Limited to two per member; Dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
Bank Fund Staff Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
1725 I St NW, WASHINGTON, DC 20006
6-Month Jumbo Share Certificate
$0
3.25%
▲ 0.22% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.22% above avgNationally 2.78%
Details
Featured certificate rate card on Share Certificates page
Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
6 Month Jumbo Share Certificate
$100,000
3.16%
▲ 0.13% above District Of Columbia avg
▼
Rate3.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.13% above avgNationally 2.78%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 15, 2026 · 3.16% APY · checked 2 times
GSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1800 F St NW # 1211, Washington, DC 20405 0001
6 Month Share Certificate
$0
3.14%
▲ 0.11% above District Of Columbia avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.11% above avgNationally 2.78%
Details
Rates reflect minimum monthly direct deposit of $200; accounts without it receive .25% reduction to disclosed rate; cap of $100,000
Rate History
No change since Oct 8, 2026 · 3.14% APY · checked 4 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
Share Certificates - 6 Months Mini-Jumbo
$500
3.05%
▲ 0.02% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.02% above avgNationally 2.78%
Details
Balance: $50,000 and above; Standard (non-FedPerks) rate; Limited to two per member; Dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 3.05% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
6 Month Share Certificate
$500
3.05%
▲ 0.02% above District Of Columbia avg
▼
Rate3.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.03%▲ 0.02% above avgNationally 2.78%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.16% → 3.05% ▼ 0.11 pts · high 3.16% / low 3.05%
- Oct 15, 20263.05%▼ from 3.16%
- Sep 25, 20263.16%first recorded
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1825 K St Nw, Washington, DC 20006
IRA CDs - 6 months
$0
3.04%
▲ 0.01% above District Of Columbia avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.03%▲ 0.01% above avgNationally 2.78%
Details
Balance: $500-$249,999.99
Rate History
1 change since Sep 9, 2026 · 2.89% → 3.04% ▲ 0.15 pts · high 3.04% / low 2.89%
- Sep 27, 20263.04%▲ from 2.89%
- Sep 9, 20262.89%first recorded
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1825 K St Nw, Washington, DC 20006
6 Month CD
$0
3.02%
▼ 0.01% below District Of Columbia avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.03%▼ 0.01% below avgNationally 2.78%
Details
Balance: $500-$249,999.99
Rate History
No change since Oct 14, 2026 · 3.02% APY · checked 2 times
District Of Columbia 12 Month CD Rates
MonitorBankRates District Of Columbia Average · 12 Month CD3.42% APY▲ 0.02% from last weekNational 2.99%
The average 12-month CD rate in District Of Columbia is 3.42% APY, compared with 2.99% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
Share Certificate - Flexible Saver - 1 Year Certificate
$100
6.00%
▲ 2.58% above District Of Columbia avg
▼
Rate5.83%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.42%▲ 2.58% above avgNationally 2.99%
Details
Rates effective as of 10/22/2026
Rate History
No change since Oct 23, 2026 · 6.00% APY
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
IRA 12 Month Jumbo Certificate
$100,000
5.00%
▲ 1.58% above District Of Columbia avg
▼
Rate4.88%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.42%▲ 1.58% above avgNationally 2.99%
Details
Jumbo certificate; cannot be opened online, visit any branch or call 1-800-877-6440; dividends compounded daily and credited monthly; early withdrawal penalties apply
Rate History
No change since Oct 19, 2026 · 5.00% APY
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
IRA 12 Month Certificate
$500
4.50%
▲ 1.08% above District Of Columbia avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.42%▲ 1.08% above avgNationally 2.99%
Details
Dividends compounded daily and credited monthly; early withdrawal penalties apply
Rate History
No change since Oct 19, 2026 · 4.50% APY
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
12 Month CD
$1,000
4.45%
▲ 1.03% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.42%▲ 1.03% above avgNationally 2.99%
Details
APY accurate as of 09/24/2026; APY assumes interest remains on deposit until maturity date; Penalty for early withdrawal may reduce earnings
Rate History
No change since Sep 18, 2026 · 4.45% APY · checked 8 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
Certificate of Deposit - 12 Months
$1,000
4.45%
▲ 1.03% above District Of Columbia avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.42%▲ 1.03% above avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 4.45% APY · checked 2 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
802 7th St Nw, Washington, DC 20001
New Money CD - 12 Month
$1,000
4.40%
▲ 0.98% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.42%▲ 0.98% above avgNationally 2.99%
Details
New Money CD; Minimum balance to open account online: $1,000
Rate History
1 change since Sep 27, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 14, 20264.40%▲ from 4.35%
- Sep 27, 20264.35%first recorded
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
2001 M St Nw, Washington, DC 20036
Special 12-Month Fixed Rate CD
$2,500
4.39%
▲ 0.97% above District Of Columbia avg
▼
Rate4.30%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.42%▲ 0.97% above avgNationally 2.99%
Details
New money deposits required; $2,500 minimum opening deposit
Rate History
1 change since Oct 14, 2026 · 4.11% → 4.39% ▲ 0.28 pts · high 4.39% / low 4.11%
- Oct 20, 20264.39%▲ from 4.11%
- Oct 14, 20264.11%first recorded
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
200 Constitution Ave NW, Washington, DC 20210
Share and IRA Certificates - 1 Year Paycheck Certificate Promo
$0
4.37%
▲ 0.95% above District Of Columbia avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.42%▲ 0.95% above avgNationally 2.99%
Details
Paycheck Certificate Promo; Minimum balance $500
Rate History
No change since Oct 12, 2026 · 4.37% APY · checked 3 times
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
200 Constitution Ave NW, Washington, DC 20210
Share Certificate - 1 year Paycheck Certificate Promo
$0
4.37%
▲ 0.95% above District Of Columbia avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.42%▲ 0.95% above avgNationally 2.99%
Details
Paycheck Certificate Promo; dividend rate 4.30%; minimum balance $500 to earn APY
Rate History
No change since Oct 23, 2026 · 4.37% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4251 Suitland Rd Ste 2N100, Washington, DC 20395
12 Month Special EasyStart Certificate
$50
4.35%
▲ 0.93% above District Of Columbia avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.42%▲ 0.93% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 6 times
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
300 E St SW Ste GC 21, Washington, DC 20024
Share Certificate - 12 months
$0
4.35%
▲ 0.93% above District Of Columbia avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.42%▲ 0.93% above avgNationally 2.99%
Details
Effective as of October 1, 2026
Rate History
1 change since Sep 18, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
- Sep 27, 20264.35%▲ from 4.05%
- Sep 18, 20264.05%first recorded
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1432 U St Nw, Washington, DC 20009
Digital 12 Month CD
$5,000
4.35%
▲ 0.93% above District Of Columbia avg
▼
Rate4.26%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.42%▲ 0.93% above avgNationally 2.99%
Details
Digital certificate of deposit; Online Only
Rate History
No change since Oct 20, 2026 · 4.35% APY · checked 2 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
802 7th St Nw, Washington, DC 20001
HSBC Wealth Center/Telephone CD - 12 Month
$1,000
4.30%
▲ 0.88% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.42%▲ 0.88% above avgNationally 2.99%
Details
Wealth Center/Telephone; Minimum balance to open account: $1,000; Not available to business customers
Rate History
No change since Oct 20, 2026 · 4.30% APY
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
802 7th St Nw, Washington, DC 20001
Online CD - 12 Month
$1,000
4.30%
▲ 0.88% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.42%▲ 0.88% above avgNationally 2.99%
Details
Only available to existing Premier customers; Minimum balance to open account online: $1,000; Opened online
Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 7 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
802 7th St Nw, Washington, DC 20001
Online Certificate of Deposit - 12 months
$1,000
4.30%
▲ 0.88% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.42%▲ 0.88% above avgNationally 2.99%
Details
HSBC Premier relationship required; minimum balance to open and obtain APY is $1000; early withdrawal penalty may apply; not available to business customers
Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 7 times
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
300 E St SW Ste GC 21, Washington, DC 20024
Share Certificate - 12 months Add-On
$0
4.25%
▲ 0.83% above District Of Columbia avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.42%▲ 0.83% above avgNationally 2.99%
Details
Add-On; effective as of October 1, 2026
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1432 U St Nw, Washington, DC 20009
12 Month CD
$1,000
4.25%
▲ 0.83% above District Of Columbia avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.42%▲ 0.83% above avgNationally 2.99%
Details
Retail/Consumer only
Rate History
1 change since Sep 8, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Oct 20, 20264.25%▲ from 3.85%
- Sep 8, 20263.85%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
12 Month Share Certificates
$500
4.25%
▲ 0.83% above District Of Columbia avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.42%▲ 0.83% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
- Oct 4, 20264.25%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Business Share Certificate - 12 Months
$500
4.25%
▲ 0.83% above District Of Columbia avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.42%▲ 0.83% above avgNationally 2.99%
Details
Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal
Rate History
1 change since Oct 4, 2026 · 4.30% → 4.25% ▼ 0.05 pts · high 4.30% / low 4.25%
- Oct 12, 20264.25%▼ from 4.30%
- Oct 4, 20264.30%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Share Certificate - 12 Months
$500
4.25%
▲ 0.83% above District Of Columbia avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.42%▲ 0.83% above avgNationally 2.99%
Details
Minimum balance of $500 required; Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 4.25% APY · checked 2 times
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
Certificate - 12 Month
$500
4.25%
▲ 0.83% above District Of Columbia avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.42%▲ 0.83% above avgNationally 2.99%
Details
Rate History
No change since Oct 19, 2026 · 4.25% APY
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
457 Lenfant Plz SW, Washington, DC 20024 2111
IRA 1 Year Starter Add-On Certificate
$0
4.25%
▲ 0.83% above District Of Columbia avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.42%▲ 0.83% above avgNationally 2.99%
Details
Maximum Balance $1,000.00; Traditional, Roth & Coverdell Education; Rates Set: Monthly; Add funds at any time throughout the certificate term up to $1,000; Limit One Per Member Under 18 Years of Age; Must have a Regular IRA Savings Account in order to open; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 4.25% APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1753 Connecticut Ave Nw, Washington, DC 20009
12 Month TD Choice CD
$250
4.15%
▲ 0.73% above District Of Columbia avg
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
District Of Columbia Average3.42%▲ 0.73% above avgNationally 2.99%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1753 Connecticut Ave Nw, Washington, DC 20009
12 Month TD Choice CD
$250
4.14%
▲ 0.72% above District Of Columbia avg
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
District Of Columbia Average3.42%▲ 0.72% above avgNationally 2.99%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.14% APY · checked 2 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
12 Month Share Certificate
$500
4.13%
▲ 0.71% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.42%▲ 0.71% above avgNationally 2.99%
Details
Balance: $1M+; Minimum $500 deposit required for certificate accounts
Rate History
No change since Oct 14, 2026 · 4.13% APY · checked 2 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
IRA Certificate - 12 Months
$500
4.13%
▲ 0.71% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.42%▲ 0.71% above avgNationally 2.99%
Details
Minimum $500 deposit required for IRA certificate accounts.
Rate History
No change since Sep 22, 2026 · 4.13% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4251 Suitland Rd Ste 2N100, Washington, DC 20395
12 Month Short-Term Certificate
$0
4.10%
▲ 0.68% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.42%▲ 0.68% above avgNationally 2.99%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
12 Month Jumbo Certificate
$0
4.10%
▲ 0.68% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.42%▲ 0.68% above avgNationally 2.99%
Details
Share Certificates; Minimum Balances of $100,000
Rate History
1 change since Sep 25, 2026 · 3.84% → 4.10% ▲ 0.26 pts · high 4.10% / low 3.84%
- Oct 4, 20264.10%▲ from 3.84%
- Sep 25, 20263.84%first recorded
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
Jumbo Certificate - 12 Months
$0
4.10%
▲ 0.68% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.42%▲ 0.68% above avgNationally 2.99%
Details
Jumbo Certificate (Minimum Balances of $100,000); Early withdrawal penalties may apply
Rate History
1 change since Sep 25, 2026 · 3.84% → 4.10% ▲ 0.26 pts · high 4.10% / low 3.84%
- Oct 4, 20264.10%▲ from 3.84%
- Sep 25, 20263.84%first recorded
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
12 Month Share Certificate
$100,000
4.10%
▲ 0.68% above District Of Columbia avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.42%▲ 0.68% above avgNationally 2.99%
Details
Rate History
No change since Oct 23, 2026 · 4.10% APY
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
457 Lenfant Plz SW, Washington, DC 20024 2111
Starter Certificate - 1 Year Add-On
$0
4.10%
▲ 0.68% above District Of Columbia avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.42%▲ 0.68% above avgNationally 2.99%
Details
Maximum Balance $1,000; Add funds throughout the certificate term; Rates Set: Monthly; Limit One Per Member; early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
457 Lenfant Plz SW, Washington, DC 20024 2111
Young Saver's Certificates - 1 Year Add-On
$0
4.10%
▲ 0.68% above District Of Columbia avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.42%▲ 0.68% above avgNationally 2.99%
Details
Balance: $1.00 - $1,000.00; Rates set monthly; Add funds at any time throughout the certificate term up to $1,000; Limit one per member under 18 years of age; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
Board of Governors of the Federal Reserve System, Washington, DC 20551
12 Month Term Share Certificate
$1,000
4.08%
▲ 0.66% above District Of Columbia avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.42%▲ 0.66% above avgNationally 2.99%
Details
Rates effective as of October 1, 2026; Minimum balance of $1,000.00 required to open the account and obtain the advertised APY
Rate History
No change since Oct 15, 2026 · 4.08% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4251 Suitland Rd Ste 2N100, Washington, DC 20395
12 Month Short-Term Certificate
$0
4.05%
▲ 0.63% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.42%▲ 0.63% above avgNationally 2.99%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.05% APY
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
12 Month IRA Certificate
$0
4.05%
▲ 0.63% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.42%▲ 0.63% above avgNationally 2.99%
Details
Minimum balance $500; IRA Certificate; early withdrawal penalty applies
Rate History
1 change since Sep 25, 2026 · 3.79% → 4.05% ▲ 0.26 pts · high 4.05% / low 3.79%
- Oct 4, 20264.05%▲ from 3.79%
- Sep 25, 20263.79%first recorded
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
12 Month Share Certificate
$25,000
4.05%
▲ 0.63% above District Of Columbia avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.42%▲ 0.63% above avgNationally 2.99%
Details
Rate History
No change since Oct 23, 2026 · 4.05% APY
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4860 Massachusetts Ave Nw, Washington, DC 20016
1-year online CDs
$0
4.00%
▲ 0.58% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.42%▲ 0.58% above avgNationally 2.99%
Details
Online CD
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4860 Massachusetts Ave Nw, Washington, DC 20016
12 Month 360 CD
$0
4.00%
▲ 0.58% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.42%▲ 0.58% above avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4251 Suitland Rd Ste 2N100, Washington, DC 20395
12 Month EasyStart Certificate
$50
4.00%
▲ 0.58% above District Of Columbia avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.42%▲ 0.58% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.00% APY
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
12 Month Certificate
$0
4.00%
▲ 0.58% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.42%▲ 0.58% above avgNationally 2.99%
Details
Share Certificates; Minimum Balances of $500
Rate History
1 change since Sep 25, 2026 · 3.74% → 4.00% ▲ 0.26 pts · high 4.00% / low 3.74%
- Oct 4, 20264.00%▲ from 3.74%
- Sep 25, 20263.74%first recorded
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
Certificate - 12 Months
$0
4.00%
▲ 0.58% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.42%▲ 0.58% above avgNationally 2.99%
Details
Certificate (Minimum Balances of $500); Early withdrawal penalties may apply
Rate History
1 change since Sep 25, 2026 · 3.74% → 4.00% ▲ 0.26 pts · high 4.00% / low 3.74%
- Oct 4, 20264.00%▲ from 3.74%
- Sep 25, 20263.74%first recorded
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
550 C St SW, Washington, DC 20024 2572
12 Month IRA Certificate - Traditional or Roth
$500
4.00%
▲ 0.58% above District Of Columbia avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.42%▲ 0.58% above avgNationally 2.99%
Details
Minimum Add'l Deposit: $25; Maximum deposit cap on IRA products: $250,000
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 4 times
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
12 Month Share Certificate
$1,000
4.00%
▲ 0.58% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.42%▲ 0.58% above avgNationally 2.99%
Details
Rate History
No change since Oct 23, 2026 · 4.00% APY
Department of The Interior Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
1849 C ST NW RM B038, Washington, DC 20240
12 Month Certificate
$0
3.92%
▲ 0.50% above District Of Columbia avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.42%▲ 0.50% above avgNationally 2.99%
Details
Rate History
No change since Oct 4, 2026 · 3.92% APY · checked 4 times
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.15%
1130 Connecticut Ave Nw, Washington, DC 20036
Certificate of Deposit - 1 Year
$500
3.90%
▲ 0.48% above District Of Columbia avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
District Of Columbia Average3.42%▲ 0.48% above avgNationally 2.99%
Details
Minimum to Open and Obtain APY: $500; rates current as of October 22, 2026
Rate History
No change since Sep 9, 2026 · 3.90% APY · checked 10 times
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
1101 2nd St NE, Washington, DC 20002 3403
IRA Certificate - 12 months
$0
3.87%
▲ 0.45% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.42%▲ 0.45% above avgNationally 2.99%
Details
IRA Certificate Rates; Dividend Rate 3.80%; compounded daily and credited monthly
Rate History
No change since Oct 15, 2026 · 3.87% APY · checked 3 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
12 Month Share Certificate
$500
3.87%
▲ 0.45% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.42%▲ 0.45% above avgNationally 2.99%
Details
Balance: $250,000-$999,999; Minimum $500 deposit required for certificate accounts
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 7 times
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
Share Certificate - Jumbo - 1 Year Certificate
$100,000
3.85%
▲ 0.43% above District Of Columbia avg
▼
Rate3.77%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.42%▲ 0.43% above avgNationally 2.99%
Details
Jumbo; Rates effective as of 10/22/2026
Rate History
No change since Oct 23, 2026 · 3.85% APY
PEPCO Federal Credit Union
Institution Rating:
C-3.7 ★Texas Ratio: 30.66%
701 9th St NW Ste 6230, Washington, DC 20001 4572
Share Certificate - 12 Month Add
$50
3.81%
▲ 0.39% above District Of Columbia avg
▼
Rate3.75%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.42%▲ 0.39% above avgNationally 2.99%
Details
Add on
Rate History
No change since Oct 22, 2026 · 3.81% APY · checked 2 times
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1556 Alabama Ave SE, Washington, DC 20032
Jumbo Traditional, Educational, and Roth IRA Share Certificate - 12-month
$10,000
3.80%
▲ 0.38% above District Of Columbia avg
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.42%▲ 0.38% above avgNationally 2.99%
Details
Jumbo certificate; APY in effect for the term but may change on renewal; compounded and credited quarterly
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
District Of Columbia 18 Month CD Rates
MonitorBankRates District Of Columbia Average · 18 Month CD3.29% APY▲ 0.14% from last weekNational 2.88%
The average 18-month CD rate in District Of Columbia is 3.29% APY, compared with 2.88% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
18 Month CD
$1,000
4.35%
▲ 1.06% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.29%▲ 1.06% above avgNationally 2.88%
Details
APY accurate as of 09/24/2026; APY assumes interest remains on deposit until maturity date; Penalty for early withdrawal may reduce earnings
Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 8 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
Certificate of Deposit - 18 Months
$1,000
4.35%
▲ 1.06% above District Of Columbia avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.29%▲ 1.06% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 2 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
18 Month Share Certificates
$500
4.30%
▲ 1.01% above District Of Columbia avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▲ 1.01% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.67% → 4.30% ▲ 0.63 pts · high 4.30% / low 3.67%
- Oct 4, 20264.30%▲ from 3.67%
- Sep 14, 20263.67%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Business Share Certificate - 18 Months
$500
4.30%
▲ 1.01% above District Of Columbia avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▲ 1.01% above avgNationally 2.88%
Details
Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal
Rate History
1 change since Oct 4, 2026 · 4.35% → 4.30% ▼ 0.05 pts · high 4.35% / low 4.30%
- Oct 12, 20264.30%▼ from 4.35%
- Oct 4, 20264.35%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Share Certificate - 18 Months
$500
4.30%
▲ 1.01% above District Of Columbia avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▲ 1.01% above avgNationally 2.88%
Details
Minimum balance of $500 required; Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 4.30% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1753 Connecticut Ave Nw, Washington, DC 20009
18 Month TD Choice CD
$250
4.25%
▲ 0.96% above District Of Columbia avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
District Of Columbia Average3.29%▲ 0.96% above avgNationally 2.88%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1753 Connecticut Ave Nw, Washington, DC 20009
18 Month TD Choice CD
$250
4.24%
▲ 0.95% above District Of Columbia avg
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
District Of Columbia Average3.29%▲ 0.95% above avgNationally 2.88%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.24% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4251 Suitland Rd Ste 2N100, Washington, DC 20395
18 Month Short-Term Certificate
$0
4.15%
▲ 0.86% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.29%▲ 0.86% above avgNationally 2.88%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4251 Suitland Rd Ste 2N100, Washington, DC 20395
18 Month Short-Term Certificate
$0
4.10%
▲ 0.81% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.29%▲ 0.81% above avgNationally 2.88%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
IRA 18 Month Certificate
$500
4.00%
▲ 0.71% above District Of Columbia avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.29%▲ 0.71% above avgNationally 2.88%
Details
Dividends compounded daily and credited monthly; early withdrawal penalties apply
Rate History
No change since Oct 19, 2026 · 4.00% APY
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.15%
1130 Connecticut Ave Nw, Washington, DC 20036
Certificate of Deposit - 18 Month
$500
3.90%
▲ 0.61% above District Of Columbia avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
District Of Columbia Average3.29%▲ 0.61% above avgNationally 2.88%
Details
Minimum to Open and Obtain APY: $500; rates current as of October 22, 2026
Rate History
No change since Sep 9, 2026 · 3.90% APY · checked 10 times
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1680 K St Nw, Washington, DC 20006
18 MONTH SELECT Certificate of Deposit
$1,000
3.85%
▲ 0.56% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
District Of Columbia Average3.29%▲ 0.56% above avgNationally 2.88%
Details
Featured CD rate; Requires a qualifying M&T Bank checking account; Schedule an appointment to open
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 5 times
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1680 K St Nw, Washington, DC 20006
18-Month M&T Select CD
$1,000
3.85%
▲ 0.56% above District Of Columbia avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
District Of Columbia Average3.29%▲ 0.56% above avgNationally 2.88%
Details
Featured M&T Certificate of Deposit; requires a qualifying M&T Bank checking account to open (M&T Select CD); minimum balance to obtain APY is $1.00 after opening
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
Certificate - 18 Month
$500
3.75%
▲ 0.46% above District Of Columbia avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.29%▲ 0.46% above avgNationally 2.88%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4251 Suitland Rd Ste 2N100, Washington, DC 20395
18 Month EasyStart Certificate
$50
3.70%
▲ 0.41% above District Of Columbia avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.29%▲ 0.41% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.70% APY
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
1400 Independence Ave SW, Washington, DC 20250
18 Month Certificate
$250
3.70%
▲ 0.41% above District Of Columbia avg
▼
Rate3.65%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▲ 0.41% above avgNationally 2.88%
Details
Frequency: Quarterly
Rate History
1 change since Oct 22, 2026 · 3.35% → 3.70% ▲ 0.35 pts · high 3.70% / low 3.35%
- Oct 23, 20263.70%▲ from 3.35%
- Oct 22, 20263.35%first recorded
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
1400 Independence Ave SW, Washington, DC 20250
Certificate - 18 Months
$250
3.70%
▲ 0.41% above District Of Columbia avg
▼
Rate3.65%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▲ 0.41% above avgNationally 2.88%
Details
Frequency: Quarterly
Rate History
1 change since Oct 22, 2026 · 3.35% → 3.70% ▲ 0.35 pts · high 3.70% / low 3.35%
- Oct 23, 20263.70%▲ from 3.35%
- Oct 22, 20263.35%first recorded
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
18 Month IRA Variable-Rate Certificate
$50
3.66%
▲ 0.37% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▲ 0.37% above avgNationally 2.88%
Details
Variable-Rate; dividends compounded and credited monthly; effective as of September 23, 2026
Rate History
No change since Oct 23, 2026 · 3.66% APY
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
Variable-Rate Certificate - 18-month term
$50
3.66%
▲ 0.37% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▲ 0.37% above avgNationally 2.88%
Details
Variable-Rate Certificate; Min. to Earn APY: $50; dividends compounded and credited monthly
Rate History
No change since Oct 8, 2026 · 3.66% APY · checked 3 times
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
18 Month Share Certificate
$0
3.65%
▲ 0.36% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▲ 0.36% above avgNationally 2.88%
Details
Balance: $250,000.00 and over; Super Jumbo tier; Effective Date: 10-01-2026
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.65% ▲ 0.20 pts · high 3.65% / low 3.45%
- Oct 5, 20263.65%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4860 Massachusetts Ave Nw, Washington, DC 20016
18 Month 360 CD
$0
3.60%
▲ 0.31% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.29%▲ 0.31% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
Georgetown University Alumni and Student Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
STE 1328, Washington, DC 20057 0001
18 Month Certificate
$1,000
3.60%
▲ 0.31% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▲ 0.31% above avgNationally 2.88%
Details
Certificates currently restricted to new money not already on deposit with GUASFCU; Membership eligibility requirements apply
Rate History
No change since Sep 29, 2026 · 3.60% APY · checked 5 times
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
441 G St NW Ste 3M54, Washington, DC 20548 0001
18 Month Jumbo Share Certificate and Jumbo IRA Share Certificate
$100,000
3.55%
▲ 0.26% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▲ 0.26% above avgNationally 2.88%
Details
Rate History
No change since Oct 23, 2026 · 3.55% APY
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
18 Month Share Certificate
$0
3.50%
▲ 0.21% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▲ 0.21% above avgNationally 2.88%
Details
Balance: $100,000.00 - $249,999.99; Jumbo tier; Effective Date: 10-01-2026
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.50% ▲ 0.05 pts · high 3.50% / low 3.45%
- Oct 5, 20263.50%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
441 G St NW Ste 3M54, Washington, DC 20548 0001
18 Month Share Certificate
$1,000
3.45%
▲ 0.16% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▲ 0.16% above avgNationally 2.88%
Details
Rate History
No change since Oct 12, 2026 · 3.45% APY · checked 2 times
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
1400 Independence Ave SW, Washington, DC 20250
Asset Builder Certificate - 18 Months
$25
3.45%
▲ 0.16% above District Of Columbia avg
▼
Rate3.41%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▲ 0.16% above avgNationally 2.88%
Details
Dividend frequency: Quarterly
Rate History
1 change since Oct 22, 2026 · 3.10% → 3.45% ▲ 0.35 pts · high 3.45% / low 3.10%
- Oct 23, 20263.45%▲ from 3.10%
- Oct 22, 20263.10%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
18 Month Jumbo Share Certificate
$100,000
3.41%
▲ 0.12% above District Of Columbia avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▲ 0.12% above avgNationally 2.88%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 15, 2026 · 3.41% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month IRA Mini-Jumbo - FedPerks
$50,000
3.40%
▲ 0.11% above District Of Columbia avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▲ 0.11% above avgNationally 2.88%
Details
Dividends Compounded/Credited: Monthly; FedPerks APY (requires FedPerks Membership)
Rate History
No change since Oct 15, 2026 · 3.40% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month Roth IRA Mini-Jumbo - FedPerks
$50,000
3.40%
▲ 0.11% above District Of Columbia avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▲ 0.11% above avgNationally 2.88%
Details
Dividends Compounded/Credited: Monthly; FedPerks APY (requires FedPerks Membership)
Rate History
No change since Oct 15, 2026 · 3.40% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month SEP IRA Mini-Jumbo - FedPerks
$50,000
3.40%
▲ 0.11% above District Of Columbia avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▲ 0.11% above avgNationally 2.88%
Details
Dividends Compounded/Credited: Monthly; FedPerks APY (requires FedPerks Membership)
Rate History
No change since Oct 15, 2026 · 3.40% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
Share Certificates - 18 Months Mini-Jumbo - FedPerks
$500
3.40%
▲ 0.11% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▲ 0.11% above avgNationally 2.88%
Details
Balance: $50,000 and above; FedPerks member rate; Limited to two per member; Dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 3.40% APY · checked 2 times
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
550 C St SW, Washington, DC 20024 2572
Share Certificate - 18 Month Certificate
$0
3.40%
▲ 0.11% above District Of Columbia avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▲ 0.11% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 3.40% APY · checked 6 times
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
18 Month Share Certificate
$0
3.40%
▲ 0.11% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▲ 0.11% above avgNationally 2.88%
Details
Balance: $1,000.00 - $99,999.99; Regular tier; Effective Date: 10-01-2026
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.40% ▲ 0.05 pts · high 3.40% / low 3.35%
- Oct 5, 20263.40%▲ from 3.35%
- Sep 14, 20263.35%first recorded
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month IRA - FedPerks
$500
3.35%
▲ 0.06% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▲ 0.06% above avgNationally 2.88%
Details
Dividends Compounded/Credited: Monthly; FedPerks APY (requires FedPerks Membership)
Rate History
No change since Oct 15, 2026 · 3.35% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month Roth IRA - FedPerks
$500
3.35%
▲ 0.06% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▲ 0.06% above avgNationally 2.88%
Details
Dividends Compounded/Credited: Monthly; FedPerks APY (requires FedPerks Membership)
Rate History
No change since Oct 15, 2026 · 3.35% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month SEP IRA - FedPerks
$500
3.35%
▲ 0.06% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▲ 0.06% above avgNationally 2.88%
Details
Dividends Compounded/Credited: Monthly; FedPerks APY (requires FedPerks Membership)
Rate History
No change since Oct 15, 2026 · 3.35% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
Share Certificates - 18 Months Regular - FedPerks
$500
3.35%
▲ 0.06% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▲ 0.06% above avgNationally 2.88%
Details
Balance: $500 - $49,999; FedPerks member rate; Limited to two per member; Dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 3.35% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
18 Month Share Certificate
$500
3.31%
▲ 0.02% above District Of Columbia avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▲ 0.02% above avgNationally 2.88%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
- Oct 15, 20263.31%▼ from 3.41%
- Sep 25, 20263.41%first recorded
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1432 U St Nw, Washington, DC 20009
18 Month CD
$1,000
3.15%
▼ 0.14% below District Of Columbia avg
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.29%▼ 0.14% below avgNationally 2.88%
Details
Retail/Consumer only
Rate History
No change since Sep 8, 2026 · 3.15% APY · checked 11 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month IRA Mini-Jumbo
$50,000
3.15%
▼ 0.14% below District Of Columbia avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▼ 0.14% below avgNationally 2.88%
Details
Dividends Compounded/Credited: Monthly; Standard APY
Rate History
No change since Oct 12, 2026 · 3.15% APY · checked 3 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month Roth IRA Mini-Jumbo
$50,000
3.15%
▼ 0.14% below District Of Columbia avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▼ 0.14% below avgNationally 2.88%
Details
Dividends Compounded/Credited: Monthly; Standard APY
Rate History
No change since Oct 12, 2026 · 3.15% APY · checked 3 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month SEP IRA Mini-Jumbo
$50,000
3.15%
▼ 0.14% below District Of Columbia avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▼ 0.14% below avgNationally 2.88%
Details
Dividends Compounded/Credited: Monthly; Standard APY
Rate History
No change since Oct 12, 2026 · 3.15% APY · checked 3 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
Share Certificates - 18 Months Mini-Jumbo
$500
3.15%
▼ 0.14% below District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▼ 0.14% below avgNationally 2.88%
Details
Balance: $50,000 and above; Standard (non-FedPerks) rate; Limited to two per member; Dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 3.15% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month IRA
$500
3.10%
▼ 0.19% below District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▼ 0.19% below avgNationally 2.88%
Details
Dividends Compounded/Credited: Monthly; Standard APY
Rate History
No change since Oct 12, 2026 · 3.10% APY · checked 3 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month Roth IRA
$500
3.10%
▼ 0.19% below District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▼ 0.19% below avgNationally 2.88%
Details
Dividends Compounded/Credited: Monthly; Standard APY
Rate History
No change since Oct 12, 2026 · 3.10% APY · checked 3 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month SEP IRA
$500
3.10%
▼ 0.19% below District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▼ 0.19% below avgNationally 2.88%
Details
Dividends Compounded/Credited: Monthly; Standard APY
Rate History
No change since Oct 12, 2026 · 3.10% APY · checked 3 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
Share Certificates - 18 Months Regular
$500
3.10%
▼ 0.19% below District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.29%▼ 0.19% below avgNationally 2.88%
Details
Balance: $500 - $49,999; Standard (non-FedPerks) rate; Limited to two per member; Dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 3.10% APY · checked 2 times
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1432 U St Nw, Washington, DC 20009
18 Month IRA CD
$1,000
3.00%
▼ 0.29% below District Of Columbia avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.29%▼ 0.29% below avgNationally 2.88%
Details
Rate History
No change since Sep 8, 2026 · 3.00% APY · checked 11 times
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1432 U St Nw, Washington, DC 20009
18 Month Roth IRA CD
$1,000
3.00%
▼ 0.29% below District Of Columbia avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.29%▼ 0.29% below avgNationally 2.88%
Details
Rate History
No change since Sep 8, 2026 · 3.00% APY · checked 11 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
1001 G St Nw, Washington, DC 20001
18 Month Standard Rate CDs
$500
1.80%
▼ 1.49% below District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
District Of Columbia Average3.29%▼ 1.49% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 1.80% APY · checked 7 times
District Of Columbia 24 Month CD Rates
MonitorBankRates District Of Columbia Average · 24 Month CD3.26% APY▲ 0.04% from last weekNational 2.90%
The average 24-month CD rate in District Of Columbia is 3.26% APY, compared with 2.90% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Library Of Congress Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
101 Independence Ave SE Rm 634, Washington, DC 20540 0002
24 Month Monthly Dividend Certificate
$0
4.75%
▲ 1.49% above District Of Columbia avg
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 1.49% above avgNationally 2.90%
Details
$5,000 minimum balance required; Computed daily from day of deposit to the day of withdrawal, paid and compounded monthly
Rate History
1 change since Oct 15, 2026 · 4.39% → 4.75% ▲ 0.36 pts · high 4.75% / low 4.39%
- Oct 23, 20264.75%▲ from 4.39%
- Oct 15, 20264.39%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
802 7th St Nw, Washington, DC 20001
New Money CD - 24 Month
$1,000
4.60%
▲ 1.34% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.26%▲ 1.34% above avgNationally 2.90%
Details
New Money CD; Minimum balance to open account online: $1,000
Rate History
1 change since Sep 27, 2026 · 4.45% → 4.60% ▲ 0.15 pts · high 4.60% / low 4.45%
- Oct 14, 20264.60%▲ from 4.45%
- Sep 27, 20264.45%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
802 7th St Nw, Washington, DC 20001
HSBC Wealth Center/Telephone CD - 24 Month
$1,000
4.40%
▲ 1.14% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.26%▲ 1.14% above avgNationally 2.90%
Details
Wealth Center/Telephone; Minimum balance to open account: $1,000; Not available to business customers
Rate History
No change since Oct 20, 2026 · 4.40% APY
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
802 7th St Nw, Washington, DC 20001
Online CD - 24 Month
$1,000
4.40%
▲ 1.14% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.26%▲ 1.14% above avgNationally 2.90%
Details
Only available to existing Premier customers; Minimum balance to open account online: $1,000; Opened online
Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 7 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
802 7th St Nw, Washington, DC 20001
Online Certificate of Deposit - 24 months
$1,000
4.40%
▲ 1.14% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.26%▲ 1.14% above avgNationally 2.90%
Details
HSBC Premier relationship required; minimum balance to open and obtain APY is $1000; early withdrawal penalty may apply; not available to business customers
Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 7 times
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
300 E St SW Ste GC 21, Washington, DC 20024
Share Certificate - 24 months
$0
4.40%
▲ 1.14% above District Of Columbia avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.26%▲ 1.14% above avgNationally 2.90%
Details
Effective as of October 1, 2026
Rate History
1 change since Sep 18, 2026 · 4.10% → 4.40% ▲ 0.30 pts · high 4.40% / low 4.10%
- Sep 27, 20264.40%▲ from 4.10%
- Sep 18, 20264.10%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
24 Month CD
$1,000
4.35%
▲ 1.09% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.26%▲ 1.09% above avgNationally 2.90%
Details
APY accurate as of 09/24/2026; APY assumes interest remains on deposit until maturity date; Penalty for early withdrawal may reduce earnings
Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 8 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
Certificate of Deposit - 24 Months
$1,000
4.35%
▲ 1.09% above District Of Columbia avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.26%▲ 1.09% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 2 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
24 Month Share Certificates
$500
4.35%
▲ 1.09% above District Of Columbia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 1.09% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.67% → 4.35% ▲ 0.68 pts · high 4.35% / low 3.67%
- Oct 4, 20264.35%▲ from 3.67%
- Sep 14, 20263.67%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Business Share Certificate - 24 Months
$500
4.35%
▲ 1.09% above District Of Columbia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 1.09% above avgNationally 2.90%
Details
Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 4 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Share Certificate - 24 Months
$500
4.35%
▲ 1.09% above District Of Columbia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 1.09% above avgNationally 2.90%
Details
Minimum balance of $500 required; Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1753 Connecticut Ave Nw, Washington, DC 20009
24 Month TD Choice CD
$250
4.30%
▲ 1.04% above District Of Columbia avg
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
District Of Columbia Average3.26%▲ 1.04% above avgNationally 2.90%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1753 Connecticut Ave Nw, Washington, DC 20009
24 Month TD Choice CD
$250
4.29%
▲ 1.03% above District Of Columbia avg
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
District Of Columbia Average3.26%▲ 1.03% above avgNationally 2.90%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.29% APY · checked 2 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
24 Month Share Certificate
$500
4.13%
▲ 0.87% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.26%▲ 0.87% above avgNationally 2.90%
Details
Balance: $1M+; Minimum $500 deposit required for certificate accounts
Rate History
No change since Oct 14, 2026 · 4.13% APY · checked 2 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
IRA Certificate - 24 Months
$500
4.13%
▲ 0.87% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.26%▲ 0.87% above avgNationally 2.90%
Details
Minimum $500 deposit required for IRA certificate accounts.
Rate History
No change since Sep 22, 2026 · 4.13% APY · checked 4 times
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
Share Certificate - 2 Year Certificate
$1,000
4.00%
▲ 0.74% above District Of Columbia avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 0.74% above avgNationally 2.90%
Details
Rates effective as of 10/22/2026
Rate History
No change since Oct 23, 2026 · 4.00% APY
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
Share Certificate - Jumbo - 2 Year Certificate
$100,000
4.00%
▲ 0.74% above District Of Columbia avg
▼
Rate3.92%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 0.74% above avgNationally 2.90%
Details
Jumbo; Rates effective as of 10/22/2026
Rate History
No change since Oct 23, 2026 · 4.00% APY
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
IRA 24 Month Certificate
$500
4.00%
▲ 0.74% above District Of Columbia avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.26%▲ 0.74% above avgNationally 2.90%
Details
Dividends compounded daily and credited monthly; early withdrawal penalties apply
Rate History
No change since Oct 19, 2026 · 4.00% APY
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
24 Month Jumbo Certificate
$0
3.96%
▲ 0.70% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 0.70% above avgNationally 2.90%
Details
Share Certificates; Minimum Balances of $100,000
Rate History
No change since Sep 25, 2026 · 3.96% APY · checked 5 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
Jumbo Certificate - 24 Months
$0
3.96%
▲ 0.70% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 0.70% above avgNationally 2.90%
Details
Jumbo Certificate (Minimum Balances of $100,000); Early withdrawal penalties may apply
Rate History
No change since Sep 25, 2026 · 3.96% APY · checked 5 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
24 Month IRA Certificate
$0
3.91%
▲ 0.65% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 0.65% above avgNationally 2.90%
Details
Minimum balance $500; IRA Certificate; early withdrawal penalty applies
Rate History
No change since Sep 25, 2026 · 3.91% APY · checked 6 times
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
1400 Independence Ave SW, Washington, DC 20250
24 Month Certificate
$250
3.90%
▲ 0.64% above District Of Columbia avg
▼
Rate3.84%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 0.64% above avgNationally 2.90%
Details
Frequency: Quarterly
Rate History
1 change since Oct 22, 2026 · 3.45% → 3.90% ▲ 0.45 pts · high 3.90% / low 3.45%
- Oct 23, 20263.90%▲ from 3.45%
- Oct 22, 20263.45%first recorded
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
1400 Independence Ave SW, Washington, DC 20250
Certificate - 24 Months
$250
3.90%
▲ 0.64% above District Of Columbia avg
▼
Rate3.84%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 0.64% above avgNationally 2.90%
Details
Frequency: Quarterly
Rate History
1 change since Oct 22, 2026 · 3.45% → 3.90% ▲ 0.45 pts · high 3.90% / low 3.45%
- Oct 23, 20263.90%▲ from 3.45%
- Oct 22, 20263.45%first recorded
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
24 Month Share Certificate
$500
3.87%
▲ 0.61% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.26%▲ 0.61% above avgNationally 2.90%
Details
Balance: $250,000-$999,999; Minimum $500 deposit required for certificate accounts
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 7 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
24 Month Certificate
$0
3.85%
▲ 0.59% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 0.59% above avgNationally 2.90%
Details
Share Certificates; Minimum Balances of $500
Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 5 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
Certificate - 24 Months
$0
3.85%
▲ 0.59% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 0.59% above avgNationally 2.90%
Details
Certificate (Minimum Balances of $500); Early withdrawal penalties may apply
Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 6 times
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1556 Alabama Ave SE, Washington, DC 20032
Jumbo Traditional, Educational, and Roth IRA Share Certificate - 24-month
$10,000
3.80%
▲ 0.54% above District Of Columbia avg
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.26%▲ 0.54% above avgNationally 2.90%
Details
Jumbo certificate; APY in effect for the term but may change on renewal; compounded and credited quarterly
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
1101 2nd St NE, Washington, DC 20002 3403
IRA Certificate - 24 months
$0
3.76%
▲ 0.50% above District Of Columbia avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 0.50% above avgNationally 2.90%
Details
IRA Certificate Rates; Dividend Rate 3.70%; compounded daily and credited monthly
Rate History
No change since Oct 15, 2026 · 3.76% APY · checked 3 times
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1556 Alabama Ave SE, Washington, DC 20032
Jumbo Fixed Rate Share Certificate - 24-month
$10,000
3.75%
▲ 0.49% above District Of Columbia avg
▼
Rate3.70%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.26%▲ 0.49% above avgNationally 2.90%
Details
Jumbo certificate; must maintain minimum $10,000.00 balance to earn advertised APY
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1556 Alabama Ave SE, Washington, DC 20032
Traditional, Educational, and Roth IRA Share Certificates - 24-month
$1,000
3.75%
▲ 0.49% above District Of Columbia avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.26%▲ 0.49% above avgNationally 2.90%
Details
Term taken from the page's Traditional, Educational, and Roth IRA Share Certificates section; the source table's term cells are blank
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
Certificate - 24 Month
$500
3.75%
▲ 0.49% above District Of Columbia avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.26%▲ 0.49% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
24 Month Share Certificate
$100,000
3.74%
▲ 0.48% above District Of Columbia avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 0.48% above avgNationally 2.90%
Details
Rate History
No change since Oct 23, 2026 · 3.74% APY
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
Fixed-Rate Certificate - 2-year term
$500
3.71%
▲ 0.45% above District Of Columbia avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 0.45% above avgNationally 2.90%
Details
Dividend rate 3.65%; Min. to Open $500; Min. to Earn APY $500; Early withdrawal penalties may apply; rates effective as of September 23, 2026
Rate History
No change since Oct 23, 2026 · 3.71% APY
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
IRA Fixed-Rate Certificate - 2-year term
$500
3.71%
▲ 0.45% above District Of Columbia avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 0.45% above avgNationally 2.90%
Details
Dividend rate 3.65%; Min. to Earn APY $500; dividends compounded and credited monthly; effective as of September 23, 2026
Rate History
No change since Sep 25, 2026 · 3.71% APY · checked 5 times
GSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1800 F St NW # 1211, Washington, DC 20405 0001
24 Month Share Certificate
$0
3.71%
▲ 0.45% above District Of Columbia avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 0.45% above avgNationally 2.90%
Details
Rates reflect minimum monthly direct deposit of $200; accounts without it receive .25% reduction to disclosed rate
Rate History
No change since Oct 8, 2026 · 3.71% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4251 Suitland Rd Ste 2N100, Washington, DC 20395
24 Month Short-Term Certificate
$0
3.70%
▲ 0.44% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.26%▲ 0.44% above avgNationally 2.90%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 3.70% APY
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1556 Alabama Ave SE, Washington, DC 20032
Fixed Rate Share Certificate - 24-month
$1,000
3.70%
▲ 0.44% above District Of Columbia avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.26%▲ 0.44% above avgNationally 2.90%
Details
Dividends compounded and credited quarterly; penalties apply for early withdrawal
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 4 times
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1556 Alabama Ave SE, Washington, DC 20032
Raise Your Rate Share Certificate - 24 Month
$1,000
3.70%
▲ 0.44% above District Of Columbia avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.26%▲ 0.44% above avgNationally 2.90%
Details
Raise Your Rate; up to three rate raises allowed; first raise available after six months; must maintain $1,000 balance to earn APY
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
24 Month Share Certificate
$50,000
3.69%
▲ 0.43% above District Of Columbia avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 0.43% above avgNationally 2.90%
Details
Rate History
No change since Oct 23, 2026 · 3.69% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4251 Suitland Rd Ste 2N100, Washington, DC 20395
24 Month Short-Term Certificate
$0
3.66%
▲ 0.40% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.26%▲ 0.40% above avgNationally 2.90%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 3.66% APY
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
1101 2nd St NE, Washington, DC 20002 3403
Certificate - 24 months
$500
3.66%
▲ 0.40% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 0.40% above avgNationally 2.90%
Details
Current rates as of October 1, 2025
Rate History
No change since Oct 22, 2026 · 3.66% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
Share Certificates - 24 Months Mini-Jumbo - FedPerks
$500
3.65%
▲ 0.39% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 0.39% above avgNationally 2.90%
Details
Balance: $50,000 and above; FedPerks member rate; Limited to two per member; Dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 3.65% APY · checked 2 times
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
1400 Independence Ave SW, Washington, DC 20250
Asset Builder Certificate - 24 Months
$25
3.65%
▲ 0.39% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 0.39% above avgNationally 2.90%
Details
Dividend frequency: Quarterly
Rate History
1 change since Oct 22, 2026 · 3.20% → 3.65% ▲ 0.45 pts · high 3.65% / low 3.20%
- Oct 23, 20263.65%▲ from 3.20%
- Oct 22, 20263.20%first recorded
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.16%
4555 Overlook Ave SW Bldg 222, Washington, DC 20375 0001
Share 24 months
$500
3.65%
▲ 0.39% above District Of Columbia avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.26%▲ 0.39% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.65% ▲ 0.20 pts · high 3.65% / low 3.45%
- Oct 1, 20263.65%▲ from 3.45%
- Sep 18, 20263.45%first recorded
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
24 Month IRA Share Certificate
$2,000
3.64%
▲ 0.38% above District Of Columbia avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 0.38% above avgNationally 2.90%
Details
Rate History
No change since Oct 23, 2026 · 3.64% APY
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
24 Month Share Certificate
$25,000
3.64%
▲ 0.38% above District Of Columbia avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 0.38% above avgNationally 2.90%
Details
Rate History
No change since Oct 23, 2026 · 3.64% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4251 Suitland Rd Ste 2N100, Washington, DC 20395
24 Month EasyStart Certificate
$50
3.60%
▲ 0.34% above District Of Columbia avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.26%▲ 0.34% above avgNationally 2.90%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.60% APY
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
Share Certificates - 24 Months Regular - FedPerks
$500
3.60%
▲ 0.34% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 0.34% above avgNationally 2.90%
Details
Balance: $500 - $49,999; FedPerks member rate; Limited to two per member; Dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 3.60% APY · checked 2 times
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
441 G St NW Ste 3M54, Washington, DC 20548 0001
24 Month Jumbo Share Certificate and Jumbo IRA Share Certificate
$100,000
3.60%
▲ 0.34% above District Of Columbia avg
▼
Rate3.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 0.34% above avgNationally 2.90%
Details
Rate History
No change since Oct 23, 2026 · 3.60% APY
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
24 Month Share Certificate
$500
3.59%
▲ 0.33% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.26%▲ 0.33% above avgNationally 2.90%
Details
Rate History
No change since Oct 23, 2026 · 3.59% APY
District Of Columbia 36 Month CD Rates
MonitorBankRates District Of Columbia Average · 36 Month CD3.14% APY▼ 0.05% from last weekNational 2.81%
The average 36-month CD rate in District Of Columbia is 3.14% APY, compared with 2.81% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
36 Month Share Certificate
$500
4.59%
▲ 1.45% above District Of Columbia avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.14%▲ 1.45% above avgNationally 2.81%
Details
Balance: $1M+; Minimum $500 deposit required for certificate accounts
Rate History
No change since Oct 14, 2026 · 4.59% APY · checked 2 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
IRA Certificate - 36 Months
$500
4.59%
▲ 1.45% above District Of Columbia avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.14%▲ 1.45% above avgNationally 2.81%
Details
Minimum $500 deposit required for IRA certificate accounts.
Rate History
No change since Sep 22, 2026 · 4.59% APY · checked 4 times
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
300 E St SW Ste GC 21, Washington, DC 20024
Share Certificate - 36 months
$0
4.45%
▲ 1.31% above District Of Columbia avg
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.14%▲ 1.31% above avgNationally 2.81%
Details
Effective as of October 1, 2026
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.45% ▲ 0.30 pts · high 4.45% / low 4.15%
- Sep 27, 20264.45%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
36 Month Share Certificates
$500
4.35%
▲ 1.21% above District Of Columbia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 1.21% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.35% ▲ 0.53 pts · high 4.35% / low 3.82%
- Oct 4, 20264.35%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Business Share Certificate - 36 Months
$500
4.35%
▲ 1.21% above District Of Columbia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 1.21% above avgNationally 2.81%
Details
Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 4 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Share Certificate - 36 Months
$500
4.35%
▲ 1.21% above District Of Columbia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 1.21% above avgNationally 2.81%
Details
Minimum balance of $500 required; Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
36 Month Share Certificate
$500
4.33%
▲ 1.19% above District Of Columbia avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.14%▲ 1.19% above avgNationally 2.81%
Details
Balance: $250,000-$999,999; Minimum $500 deposit required for certificate accounts
Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 7 times
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
IRA 36 Month Certificate
$500
4.25%
▲ 1.11% above District Of Columbia avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.14%▲ 1.11% above avgNationally 2.81%
Details
Dividends compounded daily and credited monthly; early withdrawal penalties apply
Rate History
No change since Oct 19, 2026 · 4.25% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4251 Suitland Rd Ste 2N100, Washington, DC 20395
3 Year Long-Term Certificate
$0
4.15%
▲ 1.01% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.14%▲ 1.01% above avgNationally 2.81%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.15% APY
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
457 Lenfant Plz SW, Washington, DC 20024 2111
Young Saver's Certificates - 3 Years Add-On
$0
4.15%
▲ 1.01% above District Of Columbia avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.14%▲ 1.01% above avgNationally 2.81%
Details
Balance: $1.00 - $3,000.00; Rates set monthly; Add funds at any time throughout the certificate term up to $3,000; Limit one per member under 18 years of age; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4251 Suitland Rd Ste 2N100, Washington, DC 20395
3 Year Long-Term Certificate
$0
4.10%
▲ 0.96% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.14%▲ 0.96% above avgNationally 2.81%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.10% APY
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
550 C St SW, Washington, DC 20024 2572
36 Month IRA Certificate - Traditional or Roth
$2,000
4.10%
▲ 0.96% above District Of Columbia avg
▼
Rate4.04%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.96% above avgNationally 2.81%
Details
Minimum Add'l Deposit: $25; Maximum deposit cap on IRA products: $250,000
Rate History
No change since Sep 25, 2026 · 4.10% APY · checked 4 times
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
Share Certificate - 3 Year Certificate
$1,000
4.00%
▲ 0.86% above District Of Columbia avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.86% above avgNationally 2.81%
Details
Rates effective as of 10/22/2026
Rate History
No change since Oct 23, 2026 · 4.00% APY
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
Share Certificate - Jumbo - 3 Year Certificate
$100,000
4.00%
▲ 0.86% above District Of Columbia avg
▼
Rate3.92%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.86% above avgNationally 2.81%
Details
Jumbo; Rates effective as of 10/22/2026
Rate History
No change since Oct 23, 2026 · 4.00% APY
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
1400 Independence Ave SW, Washington, DC 20250
36 Month Certificate
$250
4.00%
▲ 0.86% above District Of Columbia avg
▼
Rate3.94%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.86% above avgNationally 2.81%
Details
Frequency: Quarterly
Rate History
1 change since Oct 22, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 23, 20264.00%▲ from 3.50%
- Oct 22, 20263.50%first recorded
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
1400 Independence Ave SW, Washington, DC 20250
Certificate - 36 Months
$250
4.00%
▲ 0.86% above District Of Columbia avg
▼
Rate3.94%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.86% above avgNationally 2.81%
Details
Frequency: Quarterly
Rate History
1 change since Oct 22, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 23, 20264.00%▲ from 3.50%
- Oct 22, 20263.50%first recorded
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
Certificate - 36 Month
$500
4.00%
▲ 0.86% above District Of Columbia avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.14%▲ 0.86% above avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 4.00% APY
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
36 Month Share Certificate
$500
3.92%
▲ 0.78% above District Of Columbia avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.14%▲ 0.78% above avgNationally 2.81%
Details
Balance: $100,000-$249,999; Minimum $500 deposit required for certificate accounts
Rate History
1 change since Sep 14, 2026 · 3.87% → 3.92% ▲ 0.05 pts · high 3.92% / low 3.87%
- Oct 1, 20263.92%▲ from 3.87%
- Sep 14, 20263.87%first recorded
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
36 Month Share Certificate
$500
3.87%
▲ 0.73% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.14%▲ 0.73% above avgNationally 2.81%
Details
Balance: $500-$99,999; Minimum $500 deposit required for certificate accounts
Rate History
1 change since Sep 14, 2026 · 3.82% → 3.87% ▲ 0.05 pts · high 3.87% / low 3.82%
- Oct 1, 20263.87%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1556 Alabama Ave SE, Washington, DC 20032
Jumbo Traditional, Educational, and Roth IRA Share Certificate - 36-month
$10,000
3.80%
▲ 0.66% above District Of Columbia avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.14%▲ 0.66% above avgNationally 2.81%
Details
Jumbo certificate; APY in effect for the term but may change on renewal; compounded and credited quarterly
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
GSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1800 F St NW # 1211, Washington, DC 20405 0001
36 Month Share Certificate
$0
3.80%
▲ 0.66% above District Of Columbia avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.66% above avgNationally 2.81%
Details
Rates reflect minimum monthly direct deposit of $200; accounts without it receive .25% reduction to disclosed rate
Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 4 times
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1556 Alabama Ave SE, Washington, DC 20032
Jumbo Fixed Rate Share Certificate - 36-month
$10,000
3.75%
▲ 0.61% above District Of Columbia avg
▼
Rate3.70%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.14%▲ 0.61% above avgNationally 2.81%
Details
Jumbo certificate; must maintain minimum $10,000.00 balance to earn advertised APY
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1556 Alabama Ave SE, Washington, DC 20032
Traditional, Educational, and Roth IRA Share Certificates - 36-month
$1,000
3.75%
▲ 0.61% above District Of Columbia avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.14%▲ 0.61% above avgNationally 2.81%
Details
Term taken from the page's Traditional, Educational, and Roth IRA Share Certificates section; the source table's term cells are blank
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
Certificate of Deposit - 36 Months
$1,000
3.75%
▲ 0.61% above District Of Columbia avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.14%▲ 0.61% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
36 Month Jumbo Certificate
$0
3.75%
▲ 0.61% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.61% above avgNationally 2.81%
Details
Share Certificate; Minimum balances of $100,000; Rates effective October 1, 2026
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 5 times
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1556 Alabama Ave SE, Washington, DC 20032
Fixed Rate Share Certificate - 36-month
$1,000
3.70%
▲ 0.56% above District Of Columbia avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.14%▲ 0.56% above avgNationally 2.81%
Details
Dividends compounded and credited quarterly; penalties apply for early withdrawal
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 4 times
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1556 Alabama Ave SE, Washington, DC 20032
Raise Your Rate Share Certificate - 36 Month
$1,000
3.70%
▲ 0.56% above District Of Columbia avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.14%▲ 0.56% above avgNationally 2.81%
Details
Raise Your Rate; up to three rate raises allowed; first raise available after six months; must maintain $1,000 balance to earn APY
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
36 Month IRA Certificate
$0
3.70%
▲ 0.56% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.56% above avgNationally 2.81%
Details
Minimum balance $500; IRA Certificate
Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 5 times
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
1101 2nd St NE, Washington, DC 20002 3403
IRA Certificate - 36 months
$0
3.66%
▲ 0.52% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.52% above avgNationally 2.81%
Details
IRA Certificate Rates; Dividend Rate 3.60%; compounded daily and credited monthly
Rate History
No change since Oct 15, 2026 · 3.66% APY · checked 3 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
Fixed-Rate Certificate - 3-year term
$500
3.66%
▲ 0.52% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.52% above avgNationally 2.81%
Details
Dividend rate 3.60%; Min. to Open $500; Min. to Earn APY $500; Early withdrawal penalties may apply; rates effective as of September 23, 2026
Rate History
No change since Oct 23, 2026 · 3.66% APY
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
IRA Fixed-Rate Certificate - 3-year term
$500
3.66%
▲ 0.52% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.52% above avgNationally 2.81%
Details
Dividend rate 3.60%; Min. to Earn APY $500; dividends compounded and credited monthly; effective as of September 23, 2026
Rate History
No change since Sep 25, 2026 · 3.66% APY · checked 5 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
36 Month Certificate
$0
3.65%
▲ 0.51% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.51% above avgNationally 2.81%
Details
Share Certificate; Minimum balances of $500; Rates effective October 1, 2026
Rate History
No change since Sep 25, 2026 · 3.65% APY · checked 5 times
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
36 Month Share Certificate
$25,000
3.65%
▲ 0.51% above District Of Columbia avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.51% above avgNationally 2.81%
Details
Rate History
No change since Oct 23, 2026 · 3.65% APY
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.16%
4555 Overlook Ave SW Bldg 222, Washington, DC 20375 0001
IRA 36 months
$500
3.65%
▲ 0.51% above District Of Columbia avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.14%▲ 0.51% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.65% ▲ 0.20 pts · high 3.65% / low 3.45%
- Oct 1, 20263.65%▲ from 3.45%
- Sep 18, 20263.45%first recorded
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
36 Month Share Certificate
$500
3.60%
▲ 0.46% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.46% above avgNationally 2.81%
Details
Rate History
No change since Oct 23, 2026 · 3.60% APY
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.16%
4555 Overlook Ave SW Bldg 222, Washington, DC 20375 0001
Share 36 months
$500
3.60%
▲ 0.46% above District Of Columbia avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.14%▲ 0.46% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40%
- Oct 1, 20263.60%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
1101 2nd St NE, Washington, DC 20002 3403
Certificate - 36 months
$500
3.56%
▲ 0.42% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.42% above avgNationally 2.81%
Details
Current rates as of October 1, 2025
Rate History
No change since Oct 22, 2026 · 3.56% APY · checked 2 times
Department of The Interior Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
1849 C ST NW RM B038, Washington, DC 20240
36 Month Certificate
$0
3.56%
▲ 0.42% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.42% above avgNationally 2.81%
Details
Rate History
No change since Oct 4, 2026 · 3.56% APY · checked 4 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
3 Year IRA Variable-Rate Certificate
$50
3.56%
▲ 0.42% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.42% above avgNationally 2.81%
Details
Variable-Rate; dividends compounded and credited monthly; effective as of September 23, 2026
Rate History
No change since Oct 23, 2026 · 3.56% APY
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
Variable-Rate Certificate - 3-year term
$50
3.56%
▲ 0.42% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.42% above avgNationally 2.81%
Details
Variable-Rate Certificate; Min. to Earn APY: $50; dividends compounded and credited monthly
Rate History
No change since Oct 8, 2026 · 3.56% APY · checked 3 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4860 Massachusetts Ave Nw, Washington, DC 20016
36 Month 360 CD
$0
3.50%
▲ 0.36% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.14%▲ 0.36% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
- Oct 14, 20263.50%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
200 Constitution Ave NW, Washington, DC 20210
Share and IRA Certificates - 3 Year Certificate
$0
3.50%
▲ 0.36% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.36% above avgNationally 2.81%
Details
Minimum balance $500
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 3 times
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
200 Constitution Ave NW, Washington, DC 20210
Share Certificate - 3 year certificate
$0
3.50%
▲ 0.36% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.36% above avgNationally 2.81%
Details
Dividend rate 3.45%; minimum balance $500 to earn APY
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
36 Month Share Certificate
$0
3.50%
▲ 0.36% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.36% above avgNationally 2.81%
Details
Balance: $250,000.00 and over; Super Jumbo tier; Effective Date: 10-01-2026
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
- Oct 5, 20263.50%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
441 G St NW Ste 3M54, Washington, DC 20548 0001
36 Month Jumbo Share Certificate and Jumbo IRA Share Certificate
$100,000
3.49%
▲ 0.35% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.35% above avgNationally 2.81%
Details
Rate History
No change since Oct 23, 2026 · 3.49% APY
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
Share Certificates - 36 Months Mini-Jumbo - FedPerks
$500
3.45%
▲ 0.31% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.31% above avgNationally 2.81%
Details
Balance: $50,000 and above; FedPerks member rate; Limited to two per member; Dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 3.45% APY · checked 2 times
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
Board of Governors of the Federal Reserve System, Washington, DC 20551
36 Month Term Share Certificate
$1,000
3.41%
▲ 0.27% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.27% above avgNationally 2.81%
Details
Rates effective as of October 1, 2026; Minimum balance of $1,000.00 required to open the account and obtain the advertised APY
Rate History
No change since Oct 15, 2026 · 3.41% APY · checked 2 times
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.15%
1130 Connecticut Ave Nw, Washington, DC 20036
Certificate of Deposit - 3 Year
$500
3.40%
▲ 0.26% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
District Of Columbia Average3.14%▲ 0.26% above avgNationally 2.81%
Details
Minimum to Open and Obtain APY: $500; rates current as of October 22, 2026
Rate History
No change since Sep 9, 2026 · 3.40% APY · checked 10 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
Share Certificates - 36 Months Regular - FedPerks
$500
3.40%
▲ 0.26% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.26% above avgNationally 2.81%
Details
Balance: $500 - $49,999; FedPerks member rate; Limited to two per member; Dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 3.40% APY · checked 2 times
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
441 G St NW Ste 3M54, Washington, DC 20548 0001
36 Month Share Certificate
$1,000
3.39%
▲ 0.25% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.14%▲ 0.25% above avgNationally 2.81%
Details
Rate History
No change since Oct 12, 2026 · 3.39% APY · checked 2 times
District Of Columbia 48 Month CD Rates
MonitorBankRates District Of Columbia Average · 48 Month CD3.05% APY▼ 0.01% from last weekNational 2.81%
The average 48-month CD rate in District Of Columbia is 3.05% APY, compared with 2.81% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
300 E St SW Ste GC 21, Washington, DC 20024
Share Certificate - 48 months
$0
4.50%
▲ 1.45% above District Of Columbia avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.05%▲ 1.45% above avgNationally 2.81%
Details
Effective as of October 1, 2026
Rate History
1 change since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
- Sep 27, 20264.50%▲ from 4.20%
- Sep 18, 20264.20%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
48 Month Share Certificates
$500
4.35%
▲ 1.30% above District Of Columbia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 1.30% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.35% ▲ 0.53 pts · high 4.35% / low 3.82%
- Oct 4, 20264.35%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Business Share Certificate - 48 Months
$500
4.35%
▲ 1.30% above District Of Columbia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 1.30% above avgNationally 2.81%
Details
Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 4 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Share Certificate - 48 Months
$500
4.35%
▲ 1.30% above District Of Columbia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 1.30% above avgNationally 2.81%
Details
Minimum balance of $500 required; Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
48 Month Share Certificate
$500
4.13%
▲ 1.08% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.05%▲ 1.08% above avgNationally 2.81%
Details
Balance: $1M+; Minimum $500 deposit required for certificate accounts
Rate History
No change since Oct 14, 2026 · 4.13% APY · checked 2 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
IRA Certificate - 48 Months
$500
4.13%
▲ 1.08% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.05%▲ 1.08% above avgNationally 2.81%
Details
Minimum $500 deposit required for IRA certificate accounts.
Rate History
No change since Sep 22, 2026 · 4.13% APY · checked 4 times
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
1400 Independence Ave SW, Washington, DC 20250
48 Month Certificate
$250
4.05%
▲ 1.00% above District Of Columbia avg
▼
Rate3.99%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 1.00% above avgNationally 2.81%
Details
Frequency: Quarterly
Rate History
1 change since Oct 22, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
- Oct 23, 20264.05%▲ from 3.55%
- Oct 22, 20263.55%first recorded
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
1400 Independence Ave SW, Washington, DC 20250
Certificate - 48 Months
$250
4.05%
▲ 1.00% above District Of Columbia avg
▼
Rate3.99%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 1.00% above avgNationally 2.81%
Details
Frequency: Quarterly
Rate History
1 change since Oct 22, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
- Oct 23, 20264.05%▲ from 3.55%
- Oct 22, 20263.55%first recorded
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
Share Certificate - 4 Year Certificate
$1,000
4.00%
▲ 0.95% above District Of Columbia avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 0.95% above avgNationally 2.81%
Details
Rates effective as of 10/22/2026
Rate History
No change since Oct 23, 2026 · 4.00% APY
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
48 Month Share Certificate
$500
3.87%
▲ 0.82% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.05%▲ 0.82% above avgNationally 2.81%
Details
Balance: $250,000-$999,999; Minimum $500 deposit required for certificate accounts
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 7 times
GSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1800 F St NW # 1211, Washington, DC 20405 0001
48 Month Share Certificate
$0
3.86%
▲ 0.81% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 0.81% above avgNationally 2.81%
Details
Rates reflect minimum monthly direct deposit of $200; accounts without it receive .25% reduction to disclosed rate
Rate History
No change since Oct 8, 2026 · 3.86% APY · checked 4 times
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1556 Alabama Ave SE, Washington, DC 20032
Jumbo Traditional, Educational, and Roth IRA Share Certificate - 48-month
$10,000
3.80%
▲ 0.75% above District Of Columbia avg
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.05%▲ 0.75% above avgNationally 2.81%
Details
Jumbo certificate; APY in effect for the term but may change on renewal; compounded and credited quarterly
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1556 Alabama Ave SE, Washington, DC 20032
Jumbo Fixed Rate Share Certificate - 48-month
$10,000
3.75%
▲ 0.70% above District Of Columbia avg
▼
Rate3.70%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.05%▲ 0.70% above avgNationally 2.81%
Details
Jumbo certificate; must maintain minimum $10,000.00 balance to earn advertised APY
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1556 Alabama Ave SE, Washington, DC 20032
Traditional, Educational, and Roth IRA Share Certificates - 48-month
$1,000
3.75%
▲ 0.70% above District Of Columbia avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.05%▲ 0.70% above avgNationally 2.81%
Details
Term taken from the page's Traditional, Educational, and Roth IRA Share Certificates section; the source table's term cells are blank
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
Certificate of Deposit - 48 Months
$1,000
3.75%
▲ 0.70% above District Of Columbia avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.05%▲ 0.70% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
48 Month Jumbo Certificate
$0
3.75%
▲ 0.70% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 0.70% above avgNationally 2.81%
Details
Share Certificate; Minimum balances of $100,000; Rates effective October 1, 2026
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 5 times
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
48 Month Share Certificate
$25,000
3.75%
▲ 0.70% above District Of Columbia avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 0.70% above avgNationally 2.81%
Details
Rate History
No change since Oct 23, 2026 · 3.75% APY
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1556 Alabama Ave SE, Washington, DC 20032
Fixed Rate Share Certificate - 48-month
$1,000
3.70%
▲ 0.65% above District Of Columbia avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.05%▲ 0.65% above avgNationally 2.81%
Details
Dividends compounded and credited quarterly; penalties apply for early withdrawal
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 4 times
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1556 Alabama Ave SE, Washington, DC 20032
Raise Your Rate Share Certificate - 48 Month
$1,000
3.70%
▲ 0.65% above District Of Columbia avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.05%▲ 0.65% above avgNationally 2.81%
Details
Raise Your Rate; up to three rate raises allowed; first raise available after six months; must maintain $1,000 balance to earn APY
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
48 Month IRA Certificate
$0
3.70%
▲ 0.65% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 0.65% above avgNationally 2.81%
Details
Minimum balance $500; IRA Certificate
Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 5 times
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
48 Month Share Certificate
$500
3.70%
▲ 0.65% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 0.65% above avgNationally 2.81%
Details
Rate History
No change since Oct 23, 2026 · 3.70% APY
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
48 Month Certificate
$0
3.65%
▲ 0.60% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 0.60% above avgNationally 2.81%
Details
Share Certificate; Minimum balances of $500; Rates effective October 1, 2026
Rate History
No change since Sep 25, 2026 · 3.65% APY · checked 5 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
Fixed-Rate Certificate - 4-year term
$500
3.61%
▲ 0.56% above District Of Columbia avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 0.56% above avgNationally 2.81%
Details
Dividend rate 3.55%; Min. to Open $500; Min. to Earn APY $500; Early withdrawal penalties may apply; rates effective as of September 23, 2026
Rate History
No change since Oct 23, 2026 · 3.61% APY
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
IRA Fixed-Rate Certificate - 4-year term
$500
3.61%
▲ 0.56% above District Of Columbia avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 0.56% above avgNationally 2.81%
Details
Dividend rate 3.55%; Min. to Earn APY $500; dividends compounded and credited monthly; effective as of September 23, 2026
Rate History
No change since Sep 25, 2026 · 3.61% APY · checked 5 times
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.16%
4555 Overlook Ave SW Bldg 222, Washington, DC 20375 0001
Share 48 months
$500
3.60%
▲ 0.55% above District Of Columbia avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.05%▲ 0.55% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40%
- Oct 1, 20263.60%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Department of The Interior Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
1849 C ST NW RM B038, Washington, DC 20240
48 Month Certificate
$0
3.51%
▲ 0.46% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 0.46% above avgNationally 2.81%
Details
Rate History
No change since Oct 4, 2026 · 3.51% APY · checked 4 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4860 Massachusetts Ave Nw, Washington, DC 20016
48 Month 360 CD
$0
3.50%
▲ 0.45% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.05%▲ 0.45% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
- Oct 14, 20263.50%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
200 Constitution Ave NW, Washington, DC 20210
Share and IRA Certificates - 4 Year Certificate
$0
3.50%
▲ 0.45% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 0.45% above avgNationally 2.81%
Details
Minimum balance $500
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 3 times
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
200 Constitution Ave NW, Washington, DC 20210
Share Certificate - 4 year certificate
$0
3.50%
▲ 0.45% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 0.45% above avgNationally 2.81%
Details
Dividend rate 3.45%; minimum balance $500 to earn APY
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
48 Month Share Certificate
$0
3.50%
▲ 0.45% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 0.45% above avgNationally 2.81%
Details
Balance: $250,000.00 and over; Super Jumbo tier; Effective Date: 10-01-2026
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
- Oct 5, 20263.50%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
441 G St NW Ste 3M54, Washington, DC 20548 0001
48 Month Jumbo Share Certificate and Jumbo IRA Share Certificate
$100,000
3.49%
▲ 0.44% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 0.44% above avgNationally 2.81%
Details
Rate History
No change since Oct 23, 2026 · 3.49% APY
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
1101 2nd St NE, Washington, DC 20002 3403
IRA Certificate - 48 months
$0
3.45%
▲ 0.40% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 0.40% above avgNationally 2.81%
Details
IRA Certificate Rates; Dividend Rate 3.40%; compounded daily and credited monthly
Rate History
No change since Oct 15, 2026 · 3.45% APY · checked 3 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
48 Month Share Certificate
$500
3.45%
▲ 0.40% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.05%▲ 0.40% above avgNationally 2.81%
Details
Balance: $100,000-$249,999; Minimum $500 deposit required for certificate accounts
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.45% ▲ 0.05 pts · high 3.45% / low 3.40%
- Oct 1, 20263.45%▲ from 3.40%
- Sep 14, 20263.40%first recorded
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
Board of Governors of the Federal Reserve System, Washington, DC 20551
48 Month Term Share Certificate
$1,000
3.41%
▲ 0.36% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 0.36% above avgNationally 2.81%
Details
Rates effective as of October 1, 2026; Minimum balance of $1,000.00 required to open the account and obtain the advertised APY
Rate History
No change since Oct 15, 2026 · 3.41% APY · checked 2 times
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.15%
1130 Connecticut Ave Nw, Washington, DC 20036
Certificate of Deposit - 4 Year
$500
3.40%
▲ 0.35% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
District Of Columbia Average3.05%▲ 0.35% above avgNationally 2.81%
Details
Minimum to Open and Obtain APY: $500; rates current as of October 22, 2026
Rate History
No change since Sep 9, 2026 · 3.40% APY · checked 10 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
48 Month Share Certificate
$500
3.40%
▲ 0.35% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.05%▲ 0.35% above avgNationally 2.81%
Details
Balance: $500-$99,999; Minimum $500 deposit required for certificate accounts
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.40% ▲ 0.05 pts · high 3.40% / low 3.35%
- Oct 1, 20263.40%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
441 G St NW Ste 3M54, Washington, DC 20548 0001
48 Month Share Certificate
$1,000
3.39%
▲ 0.34% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 0.34% above avgNationally 2.81%
Details
Rate History
No change since Oct 12, 2026 · 3.39% APY · checked 2 times
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
1101 2nd St NE, Washington, DC 20002 3403
Certificate - 48 months
$500
3.35%
▲ 0.30% above District Of Columbia avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 0.30% above avgNationally 2.81%
Details
Current rates as of October 1, 2025
Rate History
No change since Oct 22, 2026 · 3.35% APY · checked 2 times
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
48 Month Share Certificate
$0
3.35%
▲ 0.30% above District Of Columbia avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 0.30% above avgNationally 2.81%
Details
Balance: $100,000.00 - $249,999.99; Jumbo tier; Effective Date: 10-01-2026
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.35% ▲ 0.05 pts · high 3.35% / low 3.30%
- Oct 5, 20263.35%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
4 Year IRA Certificate
$1,000
3.30%
▲ 0.25% above District Of Columbia avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.05%▲ 0.25% above avgNationally 2.81%
Details
4 Year IRA Certificate; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
48 Month Share Certificate
$0
3.25%
▲ 0.20% above District Of Columbia avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 0.20% above avgNationally 2.81%
Details
Balance: $1,000.00 - $99,999.99; Regular tier; Effective Date: 10-01-2026
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.25% ▲ 0.05 pts · high 3.25% / low 3.20%
- Oct 5, 20263.25%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
48 Month Jumbo Share Certificate
$100,000
3.21%
▲ 0.16% above District Of Columbia avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 0.16% above avgNationally 2.81%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 15, 2026 · 3.21% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
Share Certificates - 48 Months Mini-Jumbo - FedPerks
$500
3.15%
▲ 0.10% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 0.10% above avgNationally 2.81%
Details
Balance: $50,000 and above; FedPerks member rate; Limited to two per member; Dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 3.15% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
Share Certificates - 48 Months Regular - FedPerks
$500
3.15%
▲ 0.10% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 0.10% above avgNationally 2.81%
Details
Balance: $500 - $49,999; FedPerks member rate; Limited to two per member; Dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 3.15% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
48 Month Share Certificate
$500
3.11%
▲ 0.06% above District Of Columbia avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▲ 0.06% above avgNationally 2.81%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.21% → 3.11% ▼ 0.10 pts · high 3.21% / low 3.11%
- Oct 15, 20263.11%▼ from 3.21%
- Sep 25, 20263.21%first recorded
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 Month Smart Share Certificate
$1,000
3.05%
At District Of Columbia avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.05%At the averageNationally 2.81%
Details
Balance: $200,000 Plus Jumbo; Jumbo: $200,000 and up
Rate History
1 change since Sep 18, 2026 · 2.99% → 3.05% ▲ 0.06 pts · high 3.05% / low 2.99%
- Oct 20, 20263.05%▲ from 2.99%
- Sep 18, 20262.99%first recorded
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
441 G St NW Rm 1100, Washington, DC 20548 0001
Business Share Certificates - 48 months
$0
3.05%
At District Of Columbia avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.05%At the averageNationally 2.81%
Details
Balance: $200,000 Plus Jumbo
Rate History
1 change since Sep 18, 2026 · 2.99% → 3.05% ▲ 0.06 pts · high 3.05% / low 2.99%
- Oct 14, 20263.05%▲ from 2.99%
- Sep 18, 20262.99%first recorded
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
441 G St NW Rm 1100, Washington, DC 20548 0001
Smart Share Certificates - 48 months
$1,000
3.05%
At District Of Columbia avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.05%At the averageNationally 2.81%
Details
Balance: $200,000 Plus Jumbo
Rate History
1 change since Sep 18, 2026 · 2.99% → 3.05% ▲ 0.06 pts · high 3.05% / low 2.99%
- Oct 20, 20263.05%▲ from 2.99%
- Sep 18, 20262.99%first recorded
EP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.42%
301 13th Street SW RM 215A, Washington, DC 20228 0001
48 Month Certificate
$1,000
3.04%
▼ 0.01% below District Of Columbia avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.05%▼ 0.01% below avgNationally 2.81%
Details
Smart Saver Term Share Certificate; Effective 10-1-2026
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 8 times
Government Printing Office Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
732 N Capitol ST NW, Washington, DC 20401 0002
48 Month Share Certificates
$2,000
3.03%
▼ 0.02% below District Of Columbia avg
▼
Rate3.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.05%▼ 0.02% below avgNationally 2.81%
Details
Minimum opening deposit: $2,000
Rate History
2 changes since Sep 25, 2026 · 3.03% → 3.03% ▼ 0.00 pts · high 3.55% / low 3.03%
- Oct 15, 20263.03%▼ from 3.55%
- Oct 12, 20263.55%▲ from 3.03%
- Sep 25, 20263.03%first recorded
District Of Columbia 60 Month CD Rates
MonitorBankRates District Of Columbia Average · 60 Month CD3.17% APY▲ 0.02% from last weekNational 2.92%
The average 60-month CD rate in District Of Columbia is 3.17% APY, compared with 2.92% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Library Of Congress Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
101 Independence Ave SE Rm 634, Washington, DC 20540 0002
60 Month Traditional, Roth, SEP & Education IRA Certificate
$0
4.89%
▲ 1.72% above District Of Columbia avg
▼
Rate4.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 1.72% above avgNationally 2.92%
Details
$1,000 minimum balance required; Computed daily from day of deposit to day of withdrawal, paid and compounded quarterly; Terms less than 6 months will pay at maturity
Rate History
1 change since Oct 15, 2026 · 4.52% → 4.89% ▲ 0.37 pts · high 4.89% / low 4.52%
- Oct 23, 20264.89%▲ from 4.52%
- Oct 15, 20264.52%first recorded
Library Of Congress Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
101 Independence Ave SE Rm 634, Washington, DC 20540 0002
60 Month Share Certificate
$0
4.84%
▲ 1.67% above District Of Columbia avg
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 1.67% above avgNationally 2.92%
Details
Computed daily, compounded quarterly
Rate History
1 change since Oct 15, 2026 · 4.47% → 4.84% ▲ 0.37 pts · high 4.84% / low 4.47%
- Oct 23, 20264.84%▲ from 4.47%
- Oct 15, 20264.47%first recorded
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
300 E St SW Ste GC 21, Washington, DC 20024
Share Certificate - 60 months
$0
4.55%
▲ 1.38% above District Of Columbia avg
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.17%▲ 1.38% above avgNationally 2.92%
Details
Effective as of October 1, 2026
Rate History
1 change since Sep 18, 2026 · 4.28% → 4.55% ▲ 0.27 pts · high 4.55% / low 4.28%
- Sep 27, 20264.55%▲ from 4.28%
- Sep 18, 20264.28%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
60 Month Share Certificates
$500
4.50%
▲ 1.33% above District Of Columbia avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 1.33% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.50% ▲ 0.68 pts · high 4.50% / low 3.82%
- Oct 4, 20264.50%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Business Share Certificate - 60 Months
$500
4.50%
▲ 1.33% above District Of Columbia avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 1.33% above avgNationally 2.92%
Details
Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 4 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Share Certificate - 60 Months
$500
4.50%
▲ 1.33% above District Of Columbia avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 1.33% above avgNationally 2.92%
Details
Minimum balance of $500 required; Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 2 times
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
550 C St SW, Washington, DC 20024 2572
60 Month IRA Certificate - Traditional or Roth
$2,500
4.25%
▲ 1.08% above District Of Columbia avg
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 1.08% above avgNationally 2.92%
Details
Minimum Add'l Deposit: $25; Maximum deposit cap on IRA products: $250,000
Rate History
No change since Sep 25, 2026 · 4.25% APY · checked 4 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
60 Month Share Certificate
$500
4.13%
▲ 0.96% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.17%▲ 0.96% above avgNationally 2.92%
Details
Balance: $1M+; Minimum $500 deposit required for certificate accounts
Rate History
No change since Oct 14, 2026 · 4.13% APY · checked 2 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
IRA Certificate - 60 Months
$500
4.13%
▲ 0.96% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.17%▲ 0.96% above avgNationally 2.92%
Details
Minimum $500 deposit required for IRA certificate accounts.
Rate History
No change since Sep 22, 2026 · 4.13% APY · checked 4 times
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
1400 Independence Ave SW, Washington, DC 20250
60 Month Certificate
$250
4.10%
▲ 0.93% above District Of Columbia avg
▼
Rate4.04%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 0.93% above avgNationally 2.92%
Details
Frequency: Quarterly
Rate History
1 change since Oct 22, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
- Oct 23, 20264.10%▲ from 3.60%
- Oct 22, 20263.60%first recorded
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
1400 Independence Ave SW, Washington, DC 20250
Certificate - 60 Months
$250
4.10%
▲ 0.93% above District Of Columbia avg
▼
Rate4.04%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 0.93% above avgNationally 2.92%
Details
Frequency: Quarterly
Rate History
1 change since Oct 22, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
- Oct 23, 20264.10%▲ from 3.60%
- Oct 22, 20263.60%first recorded
GSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1800 F St NW # 1211, Washington, DC 20405 0001
60 Month Share Certificate
$0
4.01%
▲ 0.84% above District Of Columbia avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 0.84% above avgNationally 2.92%
Details
Rates reflect minimum monthly direct deposit of $200; accounts without it receive .25% reduction to disclosed rate
Rate History
No change since Oct 8, 2026 · 4.01% APY · checked 4 times
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
Share Certificate - 5 Year Certificate
$1,000
4.00%
▲ 0.83% above District Of Columbia avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 0.83% above avgNationally 2.92%
Details
Rates effective as of 10/22/2026
Rate History
No change since Oct 23, 2026 · 4.00% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4251 Suitland Rd Ste 2N100, Washington, DC 20395
5 Year Long-Term Certificate
$0
3.90%
▲ 0.73% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.17%▲ 0.73% above avgNationally 2.92%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.90% APY
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
60 Month Share Certificate
$500
3.87%
▲ 0.70% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.17%▲ 0.70% above avgNationally 2.92%
Details
Balance: $250,000-$999,999; Minimum $500 deposit required for certificate accounts
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4251 Suitland Rd Ste 2N100, Washington, DC 20395
5 Year Long-Term Certificate
$0
3.85%
▲ 0.68% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.17%▲ 0.68% above avgNationally 2.92%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.85% APY
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
60 Month Jumbo Certificate
$0
3.85%
▲ 0.68% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 0.68% above avgNationally 2.92%
Details
Share Certificate; Minimum balances of $100,000; Rates effective October 1, 2026
Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 5 times
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
60 Month Share Certificate
$500
3.81%
▲ 0.64% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 0.64% above avgNationally 2.92%
Details
Rate History
No change since Oct 23, 2026 · 3.81% APY
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1556 Alabama Ave SE, Washington, DC 20032
Jumbo Traditional, Educational, and Roth IRA Share Certificate - 60-month
$10,000
3.80%
▲ 0.63% above District Of Columbia avg
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.17%▲ 0.63% above avgNationally 2.92%
Details
Jumbo certificate; APY in effect for the term but may change on renewal; compounded and credited quarterly
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
60 Month IRA Certificate
$0
3.80%
▲ 0.63% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 0.63% above avgNationally 2.92%
Details
Minimum balance $500; IRA Certificate
Rate History
No change since Sep 25, 2026 · 3.80% APY · checked 5 times
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1556 Alabama Ave SE, Washington, DC 20032
Jumbo Fixed Rate Share Certificate - 60-month
$10,000
3.75%
▲ 0.58% above District Of Columbia avg
▼
Rate3.70%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.17%▲ 0.58% above avgNationally 2.92%
Details
Jumbo certificate; must maintain minimum $10,000.00 balance to earn advertised APY
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1556 Alabama Ave SE, Washington, DC 20032
Traditional, Educational, and Roth IRA Share Certificates - 60-month
$1,000
3.75%
▲ 0.58% above District Of Columbia avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.17%▲ 0.58% above avgNationally 2.92%
Details
Term taken from the page's Traditional, Educational, and Roth IRA Share Certificates section; the source table's term cells are blank
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
Certificate of Deposit - 60 Months
$1,000
3.75%
▲ 0.58% above District Of Columbia avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.17%▲ 0.58% above avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
60 Month Certificate
$0
3.75%
▲ 0.58% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 0.58% above avgNationally 2.92%
Details
Share Certificate; Minimum balances of $500; Rates effective October 1, 2026
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 5 times
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
IRA 60 Month Certificate
$500
3.75%
▲ 0.58% above District Of Columbia avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.17%▲ 0.58% above avgNationally 2.92%
Details
Dividends compounded daily and credited monthly; early withdrawal penalties apply
Rate History
No change since Oct 19, 2026 · 3.75% APY
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1556 Alabama Ave SE, Washington, DC 20032
Fixed Rate Share Certificate - 60-month
$1,000
3.70%
▲ 0.53% above District Of Columbia avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.17%▲ 0.53% above avgNationally 2.92%
Details
Dividends compounded and credited quarterly; penalties apply for early withdrawal
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4860 Massachusetts Ave Nw, Washington, DC 20016
5-year online CDs
$0
3.60%
▲ 0.43% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.17%▲ 0.43% above avgNationally 2.92%
Details
Online CD
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 7 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4860 Massachusetts Ave Nw, Washington, DC 20016
60 Month 360 CD
$0
3.60%
▲ 0.43% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.17%▲ 0.43% above avgNationally 2.92%
Details
5-year online CD
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.16%
4555 Overlook Ave SW Bldg 222, Washington, DC 20375 0001
Share 60 months
$500
3.60%
▲ 0.43% above District Of Columbia avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.17%▲ 0.43% above avgNationally 2.92%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40%
- Oct 1, 20263.60%▲ from 3.40%
- Sep 18, 20263.40%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
457 Lenfant Plz SW, Washington, DC 20024 2111
IRA 5 Years Certificate
$0
3.60%
▲ 0.43% above District Of Columbia avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.17%▲ 0.43% above avgNationally 2.92%
Details
Traditional, Roth & Coverdell Education; Rates Set: Monthly; Must have a Regular IRA Savings Account in order to open; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 3.60% APY
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
Fixed-Rate Certificate - 5-year term
$500
3.56%
▲ 0.39% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 0.39% above avgNationally 2.92%
Details
Dividend rate 3.50%; Min. to Open $500; Min. to Earn APY $500; Early withdrawal penalties may apply; rates effective as of September 23, 2026
Rate History
No change since Oct 23, 2026 · 3.56% APY
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
IRA Fixed-Rate Certificate - 5-year term
$500
3.56%
▲ 0.39% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 0.39% above avgNationally 2.92%
Details
Dividend rate 3.50%; Min. to Earn APY $500; dividends compounded and credited monthly; effective as of September 23, 2026
Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 5 times
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
200 Constitution Ave NW, Washington, DC 20210
Share and IRA Certificates - 5 Year Certificate
$0
3.55%
▲ 0.38% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 0.38% above avgNationally 2.92%
Details
Minimum balance $500
Rate History
No change since Oct 12, 2026 · 3.55% APY · checked 3 times
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
200 Constitution Ave NW, Washington, DC 20210
Share Certificate - 5 year certificate
$0
3.55%
▲ 0.38% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 0.38% above avgNationally 2.92%
Details
Dividend rate 3.50%; minimum balance $500 to earn APY
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Department of The Interior Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
1849 C ST NW RM B038, Washington, DC 20240
60 Month Certificate
$0
3.51%
▲ 0.34% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 0.34% above avgNationally 2.92%
Details
Rate History
No change since Oct 4, 2026 · 3.51% APY · checked 4 times
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
200 Constitution Ave NW, Washington, DC 20210
Share Certificate - 5 Year
$0
3.50%
▲ 0.33% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 0.33% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.50% ▼ 0.05 pts · high 3.55% / low 3.50%
- Oct 23, 20263.50%▼ from 3.55%
- Sep 14, 20263.55%first recorded
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1717 DeSales St NW, Washington, DC 20036
Investment Share and IRA Certificates - 60 Months
$0
3.50%
▲ 0.33% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 0.33% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 2.50% → 3.50% ▲ 1.00 pts · high 3.50% / low 2.50%
- Oct 5, 20263.50%▲ from 2.50%
- Sep 14, 20262.50%first recorded
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
Certificate - 60 Month
$500
3.50%
▲ 0.33% above District Of Columbia avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.17%▲ 0.33% above avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 3.50% APY
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
1101 2nd St NE, Washington, DC 20002 3403
IRA Certificate - 60 months
$0
3.45%
▲ 0.28% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 0.28% above avgNationally 2.92%
Details
IRA Certificate Rates; Dividend Rate 3.40%; compounded daily and credited monthly
Rate History
No change since Oct 15, 2026 · 3.45% APY · checked 3 times
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
60 Month Share Certificate
$0
3.45%
▲ 0.28% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 0.28% above avgNationally 2.92%
Details
Balance: $250,000.00 and over; Super Jumbo tier; Effective Date: 10-01-2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25%
- Oct 5, 20263.45%▲ from 3.25%
- Sep 14, 20263.25%first recorded
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
60 Month Share Certificate
$500
3.45%
▲ 0.28% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.17%▲ 0.28% above avgNationally 2.92%
Details
Balance: $100,000-$249,999; Minimum $500 deposit required for certificate accounts
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.45% ▲ 0.05 pts · high 3.45% / low 3.40%
- Oct 1, 20263.45%▲ from 3.40%
- Sep 14, 20263.40%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
457 Lenfant Plz SW, Washington, DC 20024 2111
Share Certificates - 5 Years
$0
3.45%
▲ 0.28% above District Of Columbia avg
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.17%▲ 0.28% above avgNationally 2.92%
Details
Dividend rate 3.406%; Rates Set: Monthly; early withdrawal penalty applies
Rate History
No change since Oct 19, 2026 · 3.45% APY
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
441 G St NW Ste 3M54, Washington, DC 20548 0001
60 Month Jumbo Share Certificate and Jumbo IRA Share Certificate
$100,000
3.44%
▲ 0.27% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 0.27% above avgNationally 2.92%
Details
Rate History
No change since Oct 23, 2026 · 3.44% APY
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
Board of Governors of the Federal Reserve System, Washington, DC 20551
60 Month Term Share Certificate
$1,000
3.41%
▲ 0.24% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 0.24% above avgNationally 2.92%
Details
Rates effective as of October 1, 2026; Minimum balance of $1,000.00 required to open the account and obtain the advertised APY
Rate History
No change since Oct 15, 2026 · 3.41% APY · checked 2 times
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
5 Year IRA Certificate
$1,000
3.40%
▲ 0.23% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
District Of Columbia Average3.17%▲ 0.23% above avgNationally 2.92%
Details
5 Year IRA Certificate; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 2 times
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.15%
1130 Connecticut Ave Nw, Washington, DC 20036
Certificate of Deposit - 5 Year
$500
3.40%
▲ 0.23% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
District Of Columbia Average3.17%▲ 0.23% above avgNationally 2.92%
Details
Minimum to Open and Obtain APY: $500; rates current as of October 22, 2026
Rate History
No change since Sep 9, 2026 · 3.40% APY · checked 10 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
60 Month Share Certificate
$500
3.40%
▲ 0.23% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
District Of Columbia Average3.17%▲ 0.23% above avgNationally 2.92%
Details
Balance: $500-$99,999; Minimum $500 deposit required for certificate accounts
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.40% ▲ 0.05 pts · high 3.40% / low 3.35%
- Oct 1, 20263.40%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
1101 2nd St NE, Washington, DC 20002 3403
Certificate - 60 months
$500
3.35%
▲ 0.18% above District Of Columbia avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 0.18% above avgNationally 2.92%
Details
Current rates as of October 1, 2025
Rate History
No change since Oct 22, 2026 · 3.35% APY · checked 2 times
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
441 G St NW Ste 3M54, Washington, DC 20548 0001
60 Month Share Certificate
$1,000
3.34%
▲ 0.17% above District Of Columbia avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 0.17% above avgNationally 2.92%
Details
Rate History
No change since Oct 12, 2026 · 3.34% APY · checked 2 times
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
60 Month Share Certificate
$0
3.30%
▲ 0.13% above District Of Columbia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
District Of Columbia Average3.17%▲ 0.13% above avgNationally 2.92%
Details
Balance: $100,000.00 - $249,999.99; Jumbo tier; Effective Date: 10-01-2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.30% ▲ 0.05 pts · high 3.30% / low 3.25%
- Oct 5, 20263.30%▲ from 3.25%
- Sep 14, 20263.25%first recorded
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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District Of Columbia CD Rate Trends
Compare local District Of Columbia CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD DC Avg
3.419%
▲ 0.019 vs 7 days ago
District Of Columbia 12-month CD rates rose 0.019 points over the past 7 days to 3.419% APY.
6-Month CD DC Avg
3.026%
▲ 0.040 vs 7 days ago
District Of Columbia 6-month CD rates rose 0.040 points over the past 7 days to 3.026% APY.
As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions
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DC CD Rate Forecast, Next 12 Months
Where are District Of Columbia CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
DC 12-Month Avg APY
3.419%
6-Month Forecast
3.419%
Range: 3.22%, 3.57%
12-Month Forecast
3.669%
Range: 3.47%, 3.82%
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What Your Savings Earn at DC CD Rates Today
Annual interest earnings at today’s District Of Columbia average APYs. State average used where available; national average as fallback.
| CD Term | DC Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.734% | $86.69 | $173.38 | $433.45 | $866.90 |
| 6-Month CD | 3.026% | $151.32 | $302.64 | $756.60 | $1,513.20 |
| 12-Month CD | 3.419% | $170.97 | $341.94 | $854.85 | $1,709.70 |
| 18-Month CD | 3.286% | $164.31 | $328.61 | $821.53 | $1,643.05 |
| 24-Month CD | 3.256% | $162.82 | $325.63 | $814.08 | $1,628.15 |
| 36-Month CD | 3.140% | $157.01 | $314.02 | $785.05 | $1,570.10 |
| 48-Month CD | 3.049% | $152.47 | $304.93 | $762.33 | $1,524.65 |
| 60-Month CD | 3.169% | $158.44 | $316.89 | $792.22 | $1,584.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026. | |||||
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Sample CD Ladder for District Of Columbia Savers
$25,000 split equally across 5 terms using today’s District Of Columbia average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | DC Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.734% | $86.69 |
| 2 | 6-Month CD | $5,000 | 3.026% | $151.32 |
| 3 | 12-Month CD | $5,000 | 3.419% | $170.97 |
| 4 | 24-Month CD | $5,000 | 3.256% | $162.82 |
| 5 | 36-Month CD | $5,000 | 3.140% | $157.01 |
| Total ($25,000 invested) | $25,000 | 2.915% blended | $728.81/yr | |
Ladder example uses equal $5,000 rungs and District Of Columbia average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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736
CD Rates
Tracked in District Of Columbia
Tracked in District Of Columbia
18 Banks
38 Credit Unions
About Our District Of Columbia CD Rate Database
MonitorBankRates tracks 736 CD rates from 18 banks and 38 credit unions with locations in District Of Columbia, plus national online institutions available to District Of Columbia 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: Congressional Federal Credit Union offers a CD at 6.00% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in District Of Columbia.
How to Find the Best CD Rates in District Of Columbia
What to compare when shopping for a CD in District Of Columbia
To find the best APYs in District Of Columbia, start with credit unions and online-only banks: District Of Columbia has 38 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 District Of Columbia
- 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 District Of Columbia: 56 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare District Of Columbia savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare District Of Columbia money market rates
District Of Columbia Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
12.8%
National avg: 17.3%
Median Individual Earnings
$82,078
National avg: $47,340
Poverty Rate
15.4%
National avg: 11.1%
Unemployment Rate
6.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$281/yr
At DC 12-mo avg 3.419% APY
12.8% of residents are 65 or older, below the national average of 17.3%. At today’s DC 12-month CD average of 3.419%, saving 10% of the local median salary ($8,207/year) and putting it in a CD would earn an additional $281 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 District Of Columbia
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 District Of Columbia
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 District Of Columbia 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 District Of Columbia as everywhere in the U.S.
Choosing a CD Term in District Of Columbia
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give District Of Columbia savers easier access to their funds. For example, NATIONAL INSTITUTES OF HEALTH is offering its 6 Month Youth Saver at 5.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Library Of Congress Federal Credit Union is offering its 60 Month Traditional, Roth, SEP & Education IRA Certificate at 4.89% 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 District Of Columbia 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 District Of Columbia 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 District Of Columbia
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 District Of Columbia 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 District Of Columbia
Most CDs carry a fixed rate that is locked for the entire term, protecting a District Of Columbia 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 District Of Columbia
Are CD rates in District Of Columbia FDIC insured?
Yes, most established banks in District Of Columbia 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 District Of Columbia?
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 District Of Columbia.
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 District Of Columbia 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 District Of Columbia?
Here are recent top rates found for this area:
- Congressional Federal Credit Union: 6.00% APY (Share Certificate - Flexible Saver - 1 Year Certificate)
- NATIONAL INSTITUTES OF HEALTH: 5.00% APY (6 Month Youth Saver)
- Library Of Congress Federal Credit Union: 4.89% APY (60 Month Traditional, Roth, SEP & Education IRA Certificate)
- HSBC Bank USA: 4.60% APY (New Money CD - 24 Month)
- PAHO WHO Federal Credit Union: 4.59% APY (36 Month Share Certificate)
- NASA Federal Credit Union: 4.55% APY (Share Certificate - 60 months)
- Signal Financial Federal Credit Union: 4.50% APY (60 Month Share Certificates)
- EagleBank: 4.45% APY (12 Month CD)
- City National Bank: 4.39% APY (Special 12-Month Fixed Rate CD)
- Dept of Labor Federal Credit Union: 4.37% APY (Share and IRA Certificates - 1 Year Paycheck Certificate Promo)
Rates reflect recent verified offers available in District Of Columbia. Last Updated: October 23, 2026
District Of Columbia 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 District Of Columbia rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for District Of Columbia
District Of Columbia CD Calculator
At today’s DC top rate of 6.00% APY, a $10,000 deposit earns $600 in the first year. Enter your amount to see your exact return.
District Of Columbia CD LadderDC CD rates currently range from 1.734% (3-month) to 3.140% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a District Of Columbia CD at 6.00% 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 SavingsDistrict Of Columbia’s average 12-month CD is 3.419% 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 District Of Columbia 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 District Of Columbia 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 District Of Columbia. 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 DC.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 23, 2026
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