District Of Columbia Best CD Rates August 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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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current District Of Columbia CD rates include Congressional Federal Credit UnionCongressional Federal Credit UnionRoom B 203, Washington, DC 20515A5.0 ★Texas Ratio: 6.24%Real return: +3.20%APY minus CPI (February 2026) offering 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: 1.67%Real return: +2.20%APY minus CPI (February 2026) offering 6 Month Youth Saver at 5.00% APY, PAHO WHO Federal Credit UnionPAHO WHO Federal Credit Union2112 F St NW, Washington, DC 20037A+5.0 ★Texas Ratio: 4.82%Real return: +1.79%APY minus CPI (February 2026) offering 36 months at 4.59% APY, Dept of Labor Federal Credit UnionDept of Labor Federal Credit Union200 Constitution Ave NW, Washington, DC 20210A+5.0 ★Texas Ratio: 2.67%Real return: +1.57%APY minus CPI (February 2026) offering 1 year Paycheck Certificate Promo at 4.37% APY, and EagleBankEagleBank700 K St Nw Ste 60, Washington, DC 20001A+5.0 ★Texas Ratio: 5.93%Real return: +1.55%APY minus CPI (February 2026) offering 12 Month CD at 4.35% APY. CD rates as of August 28, 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 — 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: August 28, 2026
Compare Best CD Rates in District Of Columbia
District Of Columbia 3 Month CD Rates
MonitorBankRates District Of Columbia Average — 3 Month CD0.86% APY▼ 0.85% from last weekNational 1.96%
The average 3-month CD rate in District Of Columbia is 0.86% APY, compared with 1.96% nationally, as of August 30, 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: 1.67%
5215 Loughboro Rd NW, Washington, DC 20016
3 Month
$500
3.88%
▲ 3.02% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▲ 3.02% above avgNationally 1.96%
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
700 K St Nw Ste 60, Washington, DC 20001
3 Months
$0
3.65%
▲ 2.79% above District Of Columbia avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▲ 2.79% above avgNationally 1.96%
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
5215 Loughboro Rd NW, Washington, DC 20016
3 Month
$500
3.62%
▲ 2.76% above District Of Columbia avg
▼
Rate3.56%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▲ 2.76% above avgNationally 1.96%
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
700 K St Nw Ste 60, Washington, DC 20001
90 days/13 weeks CD
$10,000
3.50%
▲ 2.64% above District Of Columbia avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▲ 2.64% above avgNationally 1.96%
Details
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1432 U St Nw, Washington, DC 20009
3 Month CD
$1,000
3.50%
▲ 2.64% above District Of Columbia avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▲ 2.64% above avgNationally 1.96%
Details
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1432 U St Nw, Washington, DC 20009
3 Month IRA CD (91-Day)
$1,000
3.50%
▲ 2.64% above District Of Columbia avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▲ 2.64% above avgNationally 1.96%
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1025 Connecticut Ave Nw Fl 1, Washington, DC 20036
3 Month CD
$0
3.00%
▲ 2.14% above District Of Columbia avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▲ 2.14% above avgNationally 1.96%
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
Room B 203, Washington, DC 20515
Jumbo - 90 Day Certificate
$100,000
2.90%
▲ 2.04% above District Of Columbia avg
▼
Rate2.85%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▲ 2.04% above avgNationally 1.96%
Details
Special Rate (APY)?:
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
2001 M St Nw, Washington, DC 20036
3 months
$0
2.78%
▲ 1.92% above District Of Columbia avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▲ 1.92% above avgNationally 1.96%
Details
(90 to 179 days)
The National Capital Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
316 Pennsylvania Ave Se, Washington, DC 20003
Certificates of Deposit 3 Months
$1,000
1.36%
▲ 0.50% above District Of Columbia avg
▼
Rate1.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▲ 0.50% above avgNationally 1.96%
Details
Early Withdrawl Penalty 30 days' simple interest
The National Capital Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
316 Pennsylvania Ave Se, Washington, DC 20003
Certificates of Deposit 3 Months
$1,000
1.26%
▲ 0.40% above District Of Columbia avg
▼
Rate1.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▲ 0.40% above avgNationally 1.96%
Details
Early Withdrawl Penalty 30 days' simple interest
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
3 months
$0
1.06%
▲ 0.20% above District Of Columbia avg
▼
Rate1.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▲ 0.20% above avgNationally 1.96%
Details
$100,000 - $199,999
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
3 month
$500
1.02%
▲ 0.16% above District Of Columbia avg
▼
Rate1.01%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▲ 0.16% above avgNationally 1.96%
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
3 months - less than
$0
1.01%
▲ 0.15% above District Of Columbia avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▲ 0.15% above avgNationally 1.96%
Details
$99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
3 months less than
$0
1.01%
▲ 0.15% above District Of Columbia avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▲ 0.15% above avgNationally 1.96%
Details
$99,999
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
1753 Connecticut Ave Nw, Washington, DC 20009
3 Month
$0
1.00%
▲ 0.14% above District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▲ 0.14% above avgNationally 1.96%
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
1753 Connecticut Ave Nw, Washington, DC 20009
3 Month TD Choice CD
$250
1.00%
▲ 0.14% above District Of Columbia avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▲ 0.14% above avgNationally 1.96%
Details
Relationship APY
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
1717 DeSales St NW, Washington, DC 20036
Investment Share and IRA Certificates 3 Months
$0
1.00%
▲ 0.14% above District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▲ 0.14% above avgNationally 1.96%
Details
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.90%
1101 2nd St NE, Washington, DC 20002 3403
3 months
$0
0.65%
▼ 0.21% below District Of Columbia avg
▼
Rate0.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▼ 0.21% below avgNationally 1.96%
Details
Presidential Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
1660 K St Nw, Washington, DC 20006
90 Day CD
$0
0.10%
▼ 0.76% below District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▼ 0.76% below avgNationally 1.96%
Details
All CD rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1350 New York Ave Nw, Washington, DC 20005
3 month Standard Fixed Rate CD
$2,500
0.06%
▼ 0.80% below District Of Columbia avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▼ 0.80% below avgNationally 1.96%
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1350 New York Ave Nw, Washington, DC 20005
3 month Standard Interest Rate
$2,500
0.06%
▼ 0.80% below District Of Columbia avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▼ 0.80% below avgNationally 1.96%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1350 New York Ave Nw, Washington, DC 20005
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 0.81% below District Of Columbia avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▼ 0.81% below avgNationally 1.96%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1350 New York Ave Nw, Washington, DC 20005
3 month Standard Interest Rate
$2,500
0.05%
▼ 0.81% below District Of Columbia avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▼ 0.81% below avgNationally 1.96%
Details
Relationship Interest Rate 0.06%
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1101 New York Ave NW, Washington, DC 20005 4269
Business Share Certificate: Term 3 Months
$500
0.02%
▼ 0.84% below District Of Columbia avg
▼
Rate0.02%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▼ 0.84% below avgNationally 1.96%
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1101 New York Ave NW, Washington, DC 20005 4269
Share Certificate Term 3 Months
$500
0.02%
▼ 0.84% below District Of Columbia avg
▼
Rate0.02%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average0.86%▼ 0.84% below avgNationally 1.96%
Details
District Of Columbia 6 Month CD Rates
MonitorBankRates District Of Columbia Average — 6 Month CD1.68% APY▼ 1.28% from last weekNational 2.67%
The average 6-month CD rate in District Of Columbia is 1.68% APY, compared with 2.67% nationally, as of August 30, 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: 1.67%
5215 Loughboro Rd NW, Washington, DC 20016
6 Month Youth Saver
$500
5.00%
▲ 3.32% above District Of Columbia avg
▼
Rate4.88%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 3.32% above avgNationally 2.67%
Details
only
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
700 K St Nw Ste 60, Washington, DC 20001
6 Month CD
$1,000
4.20%
▲ 2.52% above District Of Columbia avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 2.52% above avgNationally 2.67%
Details
The Annual Percentage Yield (APY) is accurate as of 08/13/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
700 K St Nw Ste 60, Washington, DC 20001
6 Months
$0
4.20%
▲ 2.52% above District Of Columbia avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 2.52% above avgNationally 2.67%
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
6 months
$500
4.13%
▲ 2.45% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 2.45% above avgNationally 2.67%
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
IRA Certificate 6 Months
$0
4.13%
▲ 2.45% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 2.45% above avgNationally 2.67%
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
700 K St Nw Ste 60, Washington, DC 20001
6 months/26 weeks CD
$10,000
4.05%
▲ 2.37% above District Of Columbia avg
▼
Rate3.97%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 2.37% above avgNationally 2.67%
Details
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
2001 M St Nw, Washington, DC 20036
Special 6-Month Fixed Rate
$0
4.00%
▲ 2.32% above District Of Columbia avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 2.32% above avgNationally 2.67%
Details
1
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
2001 M St Nw, Washington, DC 20036
Special 6-Month Fixed Rate CD
$10,000
4.00%
▲ 2.32% above District Of Columbia avg
▼
Rate3.93%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 2.32% above avgNationally 2.67%
Details
New money deposits required. Special 6-Month Fixed Rate will be fixed for a term of 6-months only. The CD will automatically renew at the then-prevailing published 6-month standard rate and APY at the time of renewal and every renewal period thereafter. Offer Eligibility Requirements: Client must request the Special 6-Month Fixed Rate at account opening. Available only on a new City National Bank Personal CD or City National Bank Business CD. New money is defined as incoming deposits from RBC Rochdale, RBC Securities, or from another financial institution (e.g. via ATM, check, wire transfer, ACH or Zelle), deposited to City National Bank deposit accounts owned by the same client opening the CD, within the previous 30 calendar days prior to CD account opening. Incoming deposits can only be used once for the rate offer and cannot subsequently be counted towards the new money of another Special 6-Month Fixed Rate CD. Offer is available to new and existing personal and business clients only. Large Corporate clients and public fund accounts are not eligible for this Special 6-Month Fixed Rate.
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
Board of Governors of the Federal Reserve System, Washington, DC 20551
6 months
$0
3.89%
▲ 2.21% above District Of Columbia avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 2.21% above avgNationally 2.67%
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
6 months
$500
3.87%
▲ 2.19% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 2.19% above avgNationally 2.67%
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1101 New York Ave NW, Washington, DC 20005 4269
Business Share Certificate: Term 6 Months
$500
3.82%
▲ 2.14% above District Of Columbia avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 2.14% above avgNationally 2.67%
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1101 New York Ave NW, Washington, DC 20005 4269
Share Certificate Term 6 Months
$500
3.82%
▲ 2.14% above District Of Columbia avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 2.14% above avgNationally 2.67%
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
802 7th St Nw, Washington, DC 20001
New Money CD 6 months
$1,000
3.80%
▲ 2.12% above District Of Columbia avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 2.12% above avgNationally 2.67%
Details
Exclusively for Premier clients. New Money is determined at HSBC's discretion.
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1432 U St Nw, Washington, DC 20009
6 Month CD
$1,000
3.70%
▲ 2.02% above District Of Columbia avg
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 2.02% above avgNationally 2.67%
Details
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1432 U St Nw, Washington, DC 20009
6 Month IRA CD (182-Day)
$1,000
3.70%
▲ 2.02% above District Of Columbia avg
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 2.02% above avgNationally 2.67%
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
5215 Loughboro Rd NW, Washington, DC 20016
6 Month
$500
3.62%
▲ 1.94% above District Of Columbia avg
▼
Rate3.56%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 1.94% above avgNationally 2.67%
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
Room B 203, Washington, DC 20515
Jumbo - 6 Month Certificate
$100,000
3.60%
▲ 1.92% above District Of Columbia avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 1.92% above avgNationally 2.67%
Details
Special Rate (APY)?:
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
Room B 203, Washington, DC 20515
6 Month Certificate
$1,000
3.50%
▲ 1.82% above District Of Columbia avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 1.82% above avgNationally 2.67%
Details
Special Rate (APY)?:
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1300 New York Ave NW, Washington, DC 20577 0001
Share Certificates 6 Month
$0
3.50%
▲ 1.82% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 1.82% above avgNationally 2.67%
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1300 New York Ave NW, Washington, DC 20577 0001
Share Certificates 6 Month
$0
3.45%
▲ 1.77% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 1.77% above avgNationally 2.67%
Details
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
2000 14th St NW, Washington, DC 20009 4473
6 Month Share Certificate
$500
3.45%
▲ 1.77% above District Of Columbia avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 1.77% above avgNationally 2.67%
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1300 New York Ave NW, Washington, DC 20577 0001
Share Certificates 6 Month
$0
3.40%
▲ 1.72% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 1.72% above avgNationally 2.67%
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
6 months
$500
3.40%
▲ 1.72% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 1.72% above avgNationally 2.67%
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
5215 Loughboro Rd NW, Washington, DC 20016
6 Month
$500
3.38%
▲ 1.70% above District Of Columbia avg
▼
Rate3.32%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 1.70% above avgNationally 2.67%
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
6 months
$500
3.35%
▲ 1.67% above District Of Columbia avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 1.67% above avgNationally 2.67%
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
457 Lenfant Plz SW, Washington, DC 20024 2111
6 Months (182 Days) Certificate
$0
3.30%
▲ 1.62% above District Of Columbia avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 1.62% above avgNationally 2.67%
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
1717 DeSales St NW, Washington, DC 20036
6 Month Cert.
$0
3.25%
▲ 1.57% above District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 1.57% above avgNationally 2.67%
Details
Featured Rate
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
1717 DeSales St NW, Washington, DC 20036
6 Month Certificate
$0
3.25%
▲ 1.57% above District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 1.57% above avgNationally 2.67%
Details
Rates are accurate as of 7/25/25. Rates may change after account opening.
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
1717 DeSales St NW, Washington, DC 20036
Investment Share and IRA Certificates 6 Months
$0
3.25%
▲ 1.57% above District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 1.57% above avgNationally 2.67%
Details
GSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
1800 F St NW # 1211, Washington, DC 20405 0001
6 month Share Certificate
$0
3.14%
▲ 1.46% above District Of Columbia avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 1.46% above avgNationally 2.67%
Details
Accounts that do not have the minimum direct deposit will receive .25% reduction to the disclosed rate. Cap of $100,000.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
6 month
$500
3.05%
▲ 1.37% above District Of Columbia avg
▼
Rate3.02%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 1.37% above avgNationally 2.67%
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1025 Connecticut Ave Nw Fl 1, Washington, DC 20036
6 Month CD
$0
3.00%
▲ 1.32% above District Of Columbia avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 1.32% above avgNationally 2.67%
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
6 Months Regular
$0
3.00%
▲ 1.32% above District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 1.32% above avgNationally 2.67%
Details
FedPerks APY: 3.25%
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
200 Constitution Ave NW, Washington, DC 20210
6 month certificate
$0
2.95%
▲ 1.27% above District Of Columbia avg
▼
Rate2.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 1.27% above avgNationally 2.67%
Details
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
2001 M St Nw, Washington, DC 20036
6 months
$0
2.84%
▲ 1.16% above District Of Columbia avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 1.16% above avgNationally 2.67%
Details
(180 to 269 days)
OAS Staff Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
1889 F St NW, Washington, DC 20006
6 months
$0
2.79%
▲ 1.11% above District Of Columbia avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 1.11% above avgNationally 2.67%
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
6 Month Certificate
$0
2.70%
▲ 1.02% above District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 1.02% above avgNationally 2.67%
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
1556 Alabama Ave SE, Washington, DC 20032
6-month
$10,000
2.60%
▲ 0.92% above District Of Columbia avg
▼
Rate2.58%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 0.92% above avgNationally 2.67%
Details
EP
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
301 13th Street SW RM 215A, Washington, DC 20228 0001
6 Month Certificate
$1,000
2.53%
▲ 0.85% above District Of Columbia avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 0.85% above avgNationally 2.67%
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
550 C St SW, Washington, DC 20024 2572
6 Month Certificate
$25
2.50%
▲ 0.82% above District Of Columbia avg
▼
Rate2.47%
Min Deposit$25
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 0.82% above avgNationally 2.67%
Details
$1,000 and over
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
6 months
$0
2.33%
▲ 0.65% above District Of Columbia avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 0.65% above avgNationally 2.67%
Details
$100,000 - $199,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
6 months - less than
$0
2.28%
▲ 0.60% above District Of Columbia avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 0.60% above avgNationally 2.67%
Details
$99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
6 months less than
$0
2.28%
▲ 0.60% above District Of Columbia avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 0.60% above avgNationally 2.67%
Details
$99,999
The National Capital Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
316 Pennsylvania Ave Se, Washington, DC 20003
Certificates of Deposit 6 Months
$1,000
2.18%
▲ 0.50% above District Of Columbia avg
▼
Rate2.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 0.50% above avgNationally 2.67%
Details
Early Withdrawl Penalty 90 days' simple interest
The National Capital Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
316 Pennsylvania Ave Se, Washington, DC 20003
Certificates of Deposit 6 Months
$1,000
2.08%
▲ 0.40% above District Of Columbia avg
▼
Rate2.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 0.40% above avgNationally 2.67%
Details
Early Withdrawl Penalty 90 days' simple interest
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
810 VERMONT AVE NW, WASHINGTON, DC 20420
Regular & IRA Certificates - 6 months
$500
2.02%
▲ 0.34% above District Of Columbia avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 0.34% above avgNationally 2.67%
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
550 C St SW, Washington, DC 20024 2572
6 Month Certificate
$0
2.00%
▲ 0.32% above District Of Columbia avg
▼
Rate1.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 0.32% above avgNationally 2.67%
Details
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.90%
1101 2nd St NE, Washington, DC 20002 3403
6 months
$0
1.91%
▲ 0.23% above District Of Columbia avg
▼
Rate1.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▲ 0.23% above avgNationally 2.67%
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
1753 Connecticut Ave Nw, Washington, DC 20009
6 Month TD Choice CD
$250
1.00%
▼ 0.68% below District Of Columbia avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▼ 0.68% below avgNationally 2.67%
Details
Relationship APY
Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
1061 Thomas Jefferson St Nw, Washington, DC 20007
6 Month
$0
1.00%
▼ 0.68% below District Of Columbia avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average1.68%▼ 0.68% below avgNationally 2.67%
Details
District Of Columbia 12 Month CD Rates
MonitorBankRates District Of Columbia Average — 12 Month CD2.50% APY▼ 0.91% from last weekNational 2.83%
The average 12-month CD rate in District Of Columbia is 2.50% APY, compared with 2.83% nationally, as of August 30, 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: 6.24%
Room B 203, Washington, DC 20515
Flexible Saver - 1 Year Certificate
$100
6.00%
▲ 3.50% above District Of Columbia avg
▼
Rate5.83%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 3.50% above avgNationally 2.83%
Details
Special Rate (APY)?:
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
200 Constitution Ave NW, Washington, DC 20210
1 year Paycheck Certificate Promo
$0
4.37%
▲ 1.87% above District Of Columbia avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.87% above avgNationally 2.83%
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
700 K St Nw Ste 60, Washington, DC 20001
12 Month CD
$1,000
4.35%
▲ 1.85% above District Of Columbia avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.85% above avgNationally 2.83%
Details
The Annual Percentage Yield (APY) is accurate as of 08/13/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
700 K St Nw Ste 60, Washington, DC 20001
12 Months
$0
4.35%
▲ 1.85% above District Of Columbia avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.85% above avgNationally 2.83%
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
457 Lenfant Plz SW, Washington, DC 20024 2111
1 Year Starter Add-On
$0
4.25%
▲ 1.75% above District Of Columbia avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.75% above avgNationally 2.83%
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
700 K St Nw Ste 60, Washington, DC 20001
12 months/52 weeks CD
$10,000
4.20%
▲ 1.70% above District Of Columbia avg
▼
Rate4.11%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.70% above avgNationally 2.83%
Details
Howard University Employees Federal Credit Union
Institution Rating:
F1.6 ★Texas Ratio: 56.17%
2244 10th St NW, Washington, DC 20001 4012
12-month New Money Certificate
$0
4.20%
▲ 1.70% above District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.70% above avgNationally 2.83%
Details
Star Member rate; Funds must be brought from another financial institution.
Howard University Employees Federal Credit Union
Institution Rating:
F1.6 ★Texas Ratio: 56.17%
2244 10th St NW, Washington, DC 20001 4012
12-month New Money Certificate
$0
4.15%
▲ 1.65% above District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.65% above avgNationally 2.83%
Details
New Money Certificate; Funds must be brought from another financial institution.
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
457 Lenfant Plz SW, Washington, DC 20024 2111
1 Year Add-On
$0
4.10%
▲ 1.60% above District Of Columbia avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.60% above avgNationally 2.83%
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
457 Lenfant Plz SW, Washington, DC 20024 2111
1 Year Add-On Certificate
$0
4.10%
▲ 1.60% above District Of Columbia avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.60% above avgNationally 2.83%
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1101 New York Ave NW, Washington, DC 20005 4269
Business Share Certificate: Term 12 Months
$500
4.05%
▲ 1.55% above District Of Columbia avg
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.55% above avgNationally 2.83%
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1101 New York Ave NW, Washington, DC 20005 4269
Share Certificate Term 12 Months
$500
4.05%
▲ 1.55% above District Of Columbia avg
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.55% above avgNationally 2.83%
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
802 7th St Nw, Washington, DC 20001
New Money CD 12 months
$1,000
3.95%
▲ 1.45% above District Of Columbia avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.45% above avgNationally 2.83%
Details
Exclusively for Premier clients. New Money is determined at HSBC's discretion.
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.90%
1101 2nd St NE, Washington, DC 20002 3403
IRA Certificate 12 months
$0
3.87%
▲ 1.37% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.37% above avgNationally 2.83%
Details
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1432 U St Nw, Washington, DC 20009
12 Month CD
$1,000
3.85%
▲ 1.35% above District Of Columbia avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.35% above avgNationally 2.83%
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
Room B 203, Washington, DC 20515
Jumbo - 1 Year Certificate
$100,000
3.85%
▲ 1.35% above District Of Columbia avg
▼
Rate3.77%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.35% above avgNationally 2.83%
Details
Special Rate (APY)?:
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.90%
1101 2nd St NE, Washington, DC 20002 3403
12 months
$0
3.76%
▲ 1.26% above District Of Columbia avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.26% above avgNationally 2.83%
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Room c 1 80, WASHINGTON, DC 20523 0001
1-year term
$500
3.76%
▲ 1.26% above District Of Columbia avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.26% above avgNationally 2.83%
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Room c 1 80, WASHINGTON, DC 20523 0001
IRA Fixed-Rate Certificate 1-year term
$500
3.76%
▲ 1.26% above District Of Columbia avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.26% above avgNationally 2.83%
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
1556 Alabama Ave SE, Washington, DC 20032
12-month
$10,000
3.75%
▲ 1.25% above District Of Columbia avg
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.25% above avgNationally 2.83%
Details
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1432 U St Nw, Washington, DC 20009
12 Month IRA CD
$1,000
3.75%
▲ 1.25% above District Of Columbia avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.25% above avgNationally 2.83%
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
Room B 203, Washington, DC 20515
1 Year Certificate
$1,000
3.75%
▲ 1.25% above District Of Columbia avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.25% above avgNationally 2.83%
Details
Special Rate (APY)?: 4.40%
GSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
1800 F St NW # 1211, Washington, DC 20405 0001
12 month Share Certificate
$0
3.75%
▲ 1.25% above District Of Columbia avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.25% above avgNationally 2.83%
Details
The Share Certificate rates reflect rates earned with a minimum monthly direct deposit of $200.
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
Board of Governors of the Federal Reserve System, Washington, DC 20551
12 months
$0
3.70%
▲ 1.20% above District Of Columbia avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.20% above avgNationally 2.83%
Details
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.90%
1101 2nd St NE, Washington, DC 20002 3403
12 months (Booster)
$0
3.66%
▲ 1.16% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.16% above avgNationally 2.83%
Details
Booster
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
441 G St NW Ste 3M54, Washington, DC 20548 0001
12 Month Jumbo Share Certificate
$0
3.65%
▲ 1.15% above District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.15% above avgNationally 2.83%
Details
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
2000 14th St NW, Washington, DC 20009 4473
12 Month Share Certificate
$100,000
3.60%
▲ 1.10% above District Of Columbia avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.10% above avgNationally 2.83%
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Room c 1 80, WASHINGTON, DC 20523 0001
1-year term
$0
3.56%
▲ 1.06% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.06% above avgNationally 2.83%
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
12 months
$500
3.56%
▲ 1.06% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.06% above avgNationally 2.83%
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
IRA Certificate 12 Months
$0
3.56%
▲ 1.06% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.06% above avgNationally 2.83%
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
441 G St NW Ste 3M54, Washington, DC 20548 0001
12 Month Share Certificate
$0
3.55%
▲ 1.05% above District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.05% above avgNationally 2.83%
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1300 New York Ave NW, Washington, DC 20577 0001
Share Certificates 12 Month
$0
3.55%
▲ 1.05% above District Of Columbia avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.05% above avgNationally 2.83%
Details
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
2000 14th St NW, Washington, DC 20009 4473
12 Month Share Certificate
$25,000
3.55%
▲ 1.05% above District Of Columbia avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.05% above avgNationally 2.83%
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
12 Months Regular
$0
3.50%
▲ 1.00% above District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.00% above avgNationally 2.83%
Details
FedPerks APY: 3.75%
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1300 New York Ave NW, Washington, DC 20577 0001
Share Certificates 12 Month
$0
3.50%
▲ 1.00% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.00% above avgNationally 2.83%
Details
EP
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
301 13th Street SW RM 215A, Washington, DC 20228 0001
12 Month Certificate
$1,000
3.50%
▲ 1.00% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.00% above avgNationally 2.83%
Details
SPECTRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.72%
4555 Overlook Ave SW Bldg 222, Washington, DC 20375 0001
Share 12 months
$0
3.50%
▲ 1.00% above District Of Columbia avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.00% above avgNationally 2.83%
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
457 Lenfant Plz SW, Washington, DC 20024 2111
1 Year
$0
3.50%
▲ 1.00% above District Of Columbia avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 1.00% above avgNationally 2.83%
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
550 C St SW, Washington, DC 20024 2572
12 Month Certificate
$0
3.45%
▲ 0.95% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 0.95% above avgNationally 2.83%
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1300 New York Ave NW, Washington, DC 20577 0001
Share Certificates 12 Month
$0
3.45%
▲ 0.95% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 0.95% above avgNationally 2.83%
Details
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
2000 14th St NW, Washington, DC 20009 4473
12 Month Share Certificate
$500
3.45%
▲ 0.95% above District Of Columbia avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 0.95% above avgNationally 2.83%
Details
The National Capital Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
316 Pennsylvania Ave Se, Washington, DC 20003
Individual Retirement Account (IRA) 12 Months
$1,000
3.30%
▲ 0.80% above District Of Columbia avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 0.80% above avgNationally 2.83%
Details
Early Withdrawl Penalty 180 days' simple interest
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
12 months
$500
3.30%
▲ 0.80% above District Of Columbia avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 0.80% above avgNationally 2.83%
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
457 Lenfant Plz SW, Washington, DC 20024 2111
1 Year
$0
3.30%
▲ 0.80% above District Of Columbia avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 0.80% above avgNationally 2.83%
Details
Presidential Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
1660 K St Nw, Washington, DC 20006
1 Year CD
$0
3.25%
▲ 0.75% above District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 0.75% above avgNationally 2.83%
Details
All CD rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings.
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
200 Constitution Ave NW, Washington, DC 20210
1 year certificate
$0
3.25%
▲ 0.75% above District Of Columbia avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 0.75% above avgNationally 2.83%
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
12 month
$500
3.21%
▲ 0.71% above District Of Columbia avg
▼
Rate3.17%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 0.71% above avgNationally 2.83%
Details
OAS Staff Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
1889 F St NW, Washington, DC 20006
12 months
$0
3.05%
▲ 0.55% above District Of Columbia avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 0.55% above avgNationally 2.83%
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1025 Connecticut Ave Nw Fl 1, Washington, DC 20036
1 Year CD
$0
3.00%
▲ 0.50% above District Of Columbia avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 0.50% above avgNationally 2.83%
Details
Bank Fund Staff Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1725 I St NW, WASHINGTON, DC 20006
12-MONTH
$0
3.00%
▲ 0.50% above District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.50%▲ 0.50% above avgNationally 2.83%
Details
District Of Columbia 18 Month CD Rates
MonitorBankRates District Of Columbia Average — 18 Month CD2.91% APY▼ 0.30% from last weekNational 2.67%
The average 18-month CD rate in District Of Columbia is 2.91% APY, compared with 2.67% nationally, as of August 30, 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:
A+5.0 ★Texas Ratio: 5.93%
700 K St Nw Ste 60, Washington, DC 20001
18 Month CD
$1,000
4.25%
▲ 1.34% above District Of Columbia avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▲ 1.34% above avgNationally 2.67%
Details
The Annual Percentage Yield (APY) is accurate as of 08/13/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
700 K St Nw Ste 60, Washington, DC 20001
18 Months
$0
4.25%
▲ 1.34% above District Of Columbia avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▲ 1.34% above avgNationally 2.67%
Details
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
1680 K St Nw, Washington, DC 20006
18-Month M&T Select CD
$0
3.85%
▲ 0.94% above District Of Columbia avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▲ 0.94% above avgNationally 2.67%
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1101 New York Ave NW, Washington, DC 20005 4269
Business Share Certificate: Term 18 Months
$500
3.67%
▲ 0.76% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▲ 0.76% above avgNationally 2.67%
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1101 New York Ave NW, Washington, DC 20005 4269
Share Certificate Term 18 Months
$500
3.67%
▲ 0.76% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▲ 0.76% above avgNationally 2.67%
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Room c 1 80, WASHINGTON, DC 20523 0001
IRA Variable-Rate Certificate 18-month term
$0
3.66%
▲ 0.75% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▲ 0.75% above avgNationally 2.67%
Details
Variable-Rate*
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Room c 1 80, WASHINGTON, DC 20523 0001
Variable-Rate Certificate - 18-month term
$50
3.66%
▲ 0.75% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▲ 0.75% above avgNationally 2.67%
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1300 New York Ave NW, Washington, DC 20577 0001
Share Certificates 18 Month
$0
3.45%
▲ 0.54% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▲ 0.54% above avgNationally 2.67%
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
550 C St SW, Washington, DC 20024 2572
18 Month Certificate
$0
3.40%
▲ 0.49% above District Of Columbia avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▲ 0.49% above avgNationally 2.67%
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1300 New York Ave NW, Washington, DC 20577 0001
Share Certificates 18 Month
$0
3.35%
▲ 0.44% above District Of Columbia avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▲ 0.44% above avgNationally 2.67%
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
18 month
$500
3.31%
▲ 0.40% above District Of Columbia avg
▼
Rate3.27%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▲ 0.40% above avgNationally 2.67%
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1300 New York Ave NW, Washington, DC 20577 0001
Share Certificates 18 Month
$0
3.30%
▲ 0.39% above District Of Columbia avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▲ 0.39% above avgNationally 2.67%
Details
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1432 U St Nw, Washington, DC 20009
18 Month CD
$1,000
3.15%
▲ 0.24% above District Of Columbia avg
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▲ 0.24% above avgNationally 2.67%
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month IRA Mini-Jumbo
$0
3.15%
▲ 0.24% above District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▲ 0.24% above avgNationally 2.67%
Details
FedPerks APY**: 3.40%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month Roth IRA Mini-Jumbo
$0
3.15%
▲ 0.24% above District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▲ 0.24% above avgNationally 2.67%
Details
FedPerks APY**: 3.40%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month SEP IRA Mini-Jumbo
$0
3.15%
▲ 0.24% above District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▲ 0.24% above avgNationally 2.67%
Details
FedPerks APY**: 3.40%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month IRA
$0
3.10%
▲ 0.19% above District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▲ 0.19% above avgNationally 2.67%
Details
FedPerks APY**: 3.35%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month Roth IRA
$0
3.10%
▲ 0.19% above District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▲ 0.19% above avgNationally 2.67%
Details
FedPerks APY**: 3.35%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month SEP IRA
$0
3.10%
▲ 0.19% above District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▲ 0.19% above avgNationally 2.67%
Details
FedPerks APY**: 3.35%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Months Regular
$0
3.10%
▲ 0.19% above District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▲ 0.19% above avgNationally 2.67%
Details
FedPerks APY: 3.35%
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1432 U St Nw, Washington, DC 20009
18 Month IRA CD
$1,000
3.00%
▲ 0.09% above District Of Columbia avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▲ 0.09% above avgNationally 2.67%
Details
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1432 U St Nw, Washington, DC 20009
18 Month Roth IRA CD
$1,000
3.00%
▲ 0.09% above District Of Columbia avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▲ 0.09% above avgNationally 2.67%
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
18 Month Certificate
$0
2.90%
▼ 0.01% below District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▼ 0.01% below avgNationally 2.67%
Details
OAS Staff Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
1889 F St NW, Washington, DC 20006
18 months
$0
2.48%
▼ 0.43% below District Of Columbia avg
▼
Rate2.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▼ 0.43% below avgNationally 2.67%
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
5215 Loughboro Rd NW, Washington, DC 20016
18 Month
$500
2.25%
▼ 0.66% below District Of Columbia avg
▼
Rate2.23%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▼ 0.66% below avgNationally 2.67%
Details
Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
1061 Thomas Jefferson St Nw, Washington, DC 20007
18 Month
$0
1.75%
▼ 1.16% below District Of Columbia avg
▼
Rate1.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▼ 1.16% below avgNationally 2.67%
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
1753 Connecticut Ave Nw, Washington, DC 20009
18 Month
$0
1.00%
▼ 1.91% below District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▼ 1.91% below avgNationally 2.67%
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
1753 Connecticut Ave Nw, Washington, DC 20009
18 Month TD Choice CD
$250
1.00%
▼ 1.91% below District Of Columbia avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.91%▼ 1.91% below avgNationally 2.67%
Details
Relationship APY
District Of Columbia 24 Month CD Rates
MonitorBankRates District Of Columbia Average — 24 Month CD3.06% APY▼ 0.30% from last weekNational 2.71%
The average 24-month CD rate in District Of Columbia is 3.06% APY, compared with 2.71% nationally, as of August 30, 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:
A+5.0 ★Texas Ratio: 5.93%
700 K St Nw Ste 60, Washington, DC 20001
24 Month CD
$1,000
4.25%
▲ 1.19% above District Of Columbia avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 1.19% above avgNationally 2.71%
Details
The Annual Percentage Yield (APY) is accurate as of 08/13/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
700 K St Nw Ste 60, Washington, DC 20001
24 Months
$0
4.25%
▲ 1.19% above District Of Columbia avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 1.19% above avgNationally 2.71%
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
24 months
$500
4.13%
▲ 1.07% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 1.07% above avgNationally 2.71%
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
IRA Certificate 24 Months
$0
4.13%
▲ 1.07% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 1.07% above avgNationally 2.71%
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
700 K St Nw Ste 60, Washington, DC 20001
24 months/2 years CD
$10,000
4.10%
▲ 1.04% above District Of Columbia avg
▼
Rate4.01%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 1.04% above avgNationally 2.71%
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
24 months
$500
3.87%
▲ 0.81% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.81% above avgNationally 2.71%
Details
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.90%
1101 2nd St NE, Washington, DC 20002 3403
IRA Certificate 24 months
$0
3.76%
▲ 0.70% above District Of Columbia avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.70% above avgNationally 2.71%
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
1556 Alabama Ave SE, Washington, DC 20032
24-month
$10,000
3.75%
▲ 0.69% above District Of Columbia avg
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.69% above avgNationally 2.71%
Details
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
2000 14th St NW, Washington, DC 20009 4473
24 Month Share Certificate
$100,000
3.74%
▲ 0.68% above District Of Columbia avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.68% above avgNationally 2.71%
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Room c 1 80, WASHINGTON, DC 20523 0001
2-year term
$500
3.71%
▲ 0.65% above District Of Columbia avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.65% above avgNationally 2.71%
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Room c 1 80, WASHINGTON, DC 20523 0001
IRA Fixed-Rate Certificate 2-year term
$500
3.71%
▲ 0.65% above District Of Columbia avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.65% above avgNationally 2.71%
Details
GSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
1800 F St NW # 1211, Washington, DC 20405 0001
24 month Share Certificate
$0
3.71%
▲ 0.65% above District Of Columbia avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.65% above avgNationally 2.71%
Details
The Share Certificate rates reflect rates earned with a minimum monthly direct deposit of $200.
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
Room B 203, Washington, DC 20515
Jumbo - 2 Year Certificate
$100,000
3.70%
▲ 0.64% above District Of Columbia avg
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.64% above avgNationally 2.71%
Details
Special Rate (APY)?: 4.00%
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
2000 14th St NW, Washington, DC 20009 4473
24 Month Share Certificate
$50,000
3.69%
▲ 0.63% above District Of Columbia avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.63% above avgNationally 2.71%
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1101 New York Ave NW, Washington, DC 20005 4269
Business Share Certificate: Term 24 Months
$500
3.67%
▲ 0.61% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.61% above avgNationally 2.71%
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1101 New York Ave NW, Washington, DC 20005 4269
Share Certificate Term 24 Months
$500
3.67%
▲ 0.61% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.61% above avgNationally 2.71%
Details
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.90%
1101 2nd St NE, Washington, DC 20002 3403
24 months
$0
3.66%
▲ 0.60% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.60% above avgNationally 2.71%
Details
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
2000 14th St NW, Washington, DC 20009 4473
24 Month IRA Share Certificate
$2,000
3.64%
▲ 0.58% above District Of Columbia avg
▼
Rate—
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.58% above avgNationally 2.71%
Details
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
2000 14th St NW, Washington, DC 20009 4473
24 Month Share Certificate
$25,000
3.64%
▲ 0.58% above District Of Columbia avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.58% above avgNationally 2.71%
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
Room B 203, Washington, DC 20515
2 Year Certificate
$1,000
3.60%
▲ 0.54% above District Of Columbia avg
▼
Rate3.53%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.54% above avgNationally 2.71%
Details
Special Rate (APY)?: 4.40%
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
2000 14th St NW, Washington, DC 20009 4473
24 Month Share Certificate
$500
3.59%
▲ 0.53% above District Of Columbia avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.53% above avgNationally 2.71%
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
457 Lenfant Plz SW, Washington, DC 20024 2111
2 Years
$0
3.55%
▲ 0.49% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.49% above avgNationally 2.71%
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
Board of Governors of the Federal Reserve System, Washington, DC 20551
24 months
$0
3.46%
▲ 0.40% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.40% above avgNationally 2.71%
Details
SPECTRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.72%
4555 Overlook Ave SW Bldg 222, Washington, DC 20375 0001
Share 24 months
$0
3.45%
▲ 0.39% above District Of Columbia avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.39% above avgNationally 2.71%
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
24 months
$500
3.40%
▲ 0.34% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.34% above avgNationally 2.71%
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
24 Months Regular
$0
3.35%
▲ 0.29% above District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.29% above avgNationally 2.71%
Details
FedPerks APY: 3.60%
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1300 New York Ave NW, Washington, DC 20577 0001
Share Certificates 24 Month
$0
3.35%
▲ 0.29% above District Of Columbia avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.29% above avgNationally 2.71%
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
24 months
$500
3.35%
▲ 0.29% above District Of Columbia avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.29% above avgNationally 2.71%
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
457 Lenfant Plz SW, Washington, DC 20024 2111
2 Years
$0
3.35%
▲ 0.29% above District Of Columbia avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.29% above avgNationally 2.71%
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
24 month
$500
3.31%
▲ 0.25% above District Of Columbia avg
▼
Rate3.27%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.25% above avgNationally 2.71%
Details
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
200 Constitution Ave NW, Washington, DC 20210
2 year certificate
$0
3.30%
▲ 0.24% above District Of Columbia avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.24% above avgNationally 2.71%
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1300 New York Ave NW, Washington, DC 20577 0001
Share Certificates 24 Month
$0
3.30%
▲ 0.24% above District Of Columbia avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.24% above avgNationally 2.71%
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1300 New York Ave NW, Washington, DC 20577 0001
Share Certificates 24 Month
$0
3.25%
▲ 0.19% above District Of Columbia avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.19% above avgNationally 2.71%
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
457 Lenfant Plz SW, Washington, DC 20024 2111
2 Years
$0
3.25%
▲ 0.19% above District Of Columbia avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.19% above avgNationally 2.71%
Details
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1432 U St Nw, Washington, DC 20009
24 Month CD
$1,000
3.15%
▲ 0.09% above District Of Columbia avg
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▲ 0.09% above avgNationally 2.71%
Details
Government Printing Office Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
732 N Capitol ST NW, Washington, DC 20401 0002
IRA Certificate 24 months
$0
3.03%
▼ 0.03% below District Of Columbia avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▼ 0.03% below avgNationally 2.71%
Details
1
Government Printing Office Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
732 N Capitol ST NW, Washington, DC 20401 0002
Share Certificates 24 months
$0
3.03%
▼ 0.03% below District Of Columbia avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▼ 0.03% below avgNationally 2.71%
Details
1
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1432 U St Nw, Washington, DC 20009
24 Month IRA CD
$1,000
3.00%
▼ 0.06% below District Of Columbia avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▼ 0.06% below avgNationally 2.71%
Details
EP
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
301 13th Street SW RM 215A, Washington, DC 20228 0001
24 Month Certificate
$1,000
3.00%
▼ 0.06% below District Of Columbia avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▼ 0.06% below avgNationally 2.71%
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
2 Year Certificate
$0
2.90%
▼ 0.16% below District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▼ 0.16% below avgNationally 2.71%
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1900 E St NW, Washington, DC 20415
2 Year - Certificate or IRA Certificate
$1,000
2.78%
▼ 0.28% below District Of Columbia avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▼ 0.28% below avgNationally 2.71%
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1900 E St NW, Washington, DC 20415
Youth Share Certificates 2 Year
$100
2.78%
▼ 0.28% below District Of Columbia avg
▼
Rate2.75%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▼ 0.28% below avgNationally 2.71%
Details
Presidential Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
1660 K St Nw, Washington, DC 20006
2 Year CD
$0
2.75%
▼ 0.31% below District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▼ 0.31% below avgNationally 2.71%
Details
All CD rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings.
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
24 months
$0
2.63%
▼ 0.43% below District Of Columbia avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▼ 0.43% below avgNationally 2.71%
Details
$100,000 - $199,999
OAS Staff Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
1889 F St NW, Washington, DC 20006
24 months
$0
2.63%
▼ 0.43% below District Of Columbia avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▼ 0.43% below avgNationally 2.71%
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
24 months - less than
$0
2.58%
▼ 0.48% below District Of Columbia avg
▼
Rate2.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▼ 0.48% below avgNationally 2.71%
Details
$99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
24 months less than
$0
2.58%
▼ 0.48% below District Of Columbia avg
▼
Rate2.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▼ 0.48% below avgNationally 2.71%
Details
$99,999
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1025 Connecticut Ave Nw Fl 1, Washington, DC 20036
2 Year CD
$0
2.50%
▼ 0.56% below District Of Columbia avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▼ 0.56% below avgNationally 2.71%
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
1717 DeSales St NW, Washington, DC 20036
Investment Share and IRA Certificates 24 Months
$0
2.50%
▼ 0.56% below District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▼ 0.56% below avgNationally 2.71%
Details
OAS Staff Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
1889 F St NW, Washington, DC 20006
24 months
$0
2.38%
▼ 0.68% below District Of Columbia avg
▼
Rate2.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.06%▼ 0.68% below avgNationally 2.71%
Details
Rate Increase: One time
District Of Columbia 36 Month CD Rates
MonitorBankRates District Of Columbia Average — 36 Month CD2.99% APY▼ 0.27% from last weekNational 2.66%
The average 36-month CD rate in District Of Columbia is 2.99% APY, compared with 2.66% nationally, as of August 30, 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: 4.82%
2112 F St NW, Washington, DC 20037
36 months
$500
4.59%
▲ 1.60% above District Of Columbia avg
▼
Rate4.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 1.60% above avgNationally 2.66%
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
IRA Certificate 36 Months
$0
4.59%
▲ 1.60% above District Of Columbia avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 1.60% above avgNationally 2.66%
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
36 months
$500
4.33%
▲ 1.34% above District Of Columbia avg
▼
Rate4.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 1.34% above avgNationally 2.66%
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
457 Lenfant Plz SW, Washington, DC 20024 2111
3 Years Add-On Certificate
$0
4.15%
▲ 1.16% above District Of Columbia avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 1.16% above avgNationally 2.66%
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
36 months
$500
3.87%
▲ 0.88% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.88% above avgNationally 2.66%
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1101 New York Ave NW, Washington, DC 20005 4269
Business Share Certificate: Term 36 Months
$500
3.82%
▲ 0.83% above District Of Columbia avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.83% above avgNationally 2.66%
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1101 New York Ave NW, Washington, DC 20005 4269
Share Certificate Term 36 Months
$500
3.82%
▲ 0.83% above District Of Columbia avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.83% above avgNationally 2.66%
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
36 months
$500
3.82%
▲ 0.83% above District Of Columbia avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.83% above avgNationally 2.66%
Details
GSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
1800 F St NW # 1211, Washington, DC 20405 0001
36 month Share Certificate
$0
3.80%
▲ 0.81% above District Of Columbia avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.81% above avgNationally 2.66%
Details
The Share Certificate rates reflect rates earned with a minimum monthly direct deposit of $200.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
1556 Alabama Ave SE, Washington, DC 20032
36-month
$10,000
3.75%
▲ 0.76% above District Of Columbia avg
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.76% above avgNationally 2.66%
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
700 K St Nw Ste 60, Washington, DC 20001
36 Months
$0
3.75%
▲ 0.76% above District Of Columbia avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.76% above avgNationally 2.66%
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Room c 1 80, WASHINGTON, DC 20523 0001
3-year term
$0
3.71%
▲ 0.72% above District Of Columbia avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.72% above avgNationally 2.66%
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
Room B 203, Washington, DC 20515
Jumbo - 3 Year Certificate
$100,000
3.70%
▲ 0.71% above District Of Columbia avg
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.71% above avgNationally 2.66%
Details
Special Rate (APY)?: 4.00%
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.90%
1101 2nd St NE, Washington, DC 20002 3403
IRA Certificate 36 months
$0
3.66%
▲ 0.67% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.67% above avgNationally 2.66%
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Room c 1 80, WASHINGTON, DC 20523 0001
3-year term
$500
3.66%
▲ 0.67% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.67% above avgNationally 2.66%
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Room c 1 80, WASHINGTON, DC 20523 0001
IRA Fixed-Rate Certificate 3-year term
$500
3.66%
▲ 0.67% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.67% above avgNationally 2.66%
Details
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
2000 14th St NW, Washington, DC 20009 4473
36 Month Share Certificate
$25,000
3.65%
▲ 0.66% above District Of Columbia avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.66% above avgNationally 2.66%
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
700 K St Nw Ste 60, Washington, DC 20001
36 months/3 years CD
$10,000
3.60%
▲ 0.61% above District Of Columbia avg
▼
Rate3.53%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.61% above avgNationally 2.66%
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
Room B 203, Washington, DC 20515
3 Year Certificate
$1,000
3.60%
▲ 0.61% above District Of Columbia avg
▼
Rate3.53%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.61% above avgNationally 2.66%
Details
Special Rate (APY)?: 4.40%
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
2000 14th St NW, Washington, DC 20009 4473
36 Month Share Certificate
$500
3.60%
▲ 0.61% above District Of Columbia avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.61% above avgNationally 2.66%
Details
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.90%
1101 2nd St NE, Washington, DC 20002 3403
36 months
$0
3.56%
▲ 0.57% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.57% above avgNationally 2.66%
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Room c 1 80, WASHINGTON, DC 20523 0001
IRA Variable-Rate Certificate 3-year term
$0
3.56%
▲ 0.57% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.57% above avgNationally 2.66%
Details
Variable-Rate*
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Room c 1 80, WASHINGTON, DC 20523 0001
Variable-Rate Certificate - 3-year term
$50
3.56%
▲ 0.57% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.57% above avgNationally 2.66%
Details
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
200 Constitution Ave NW, Washington, DC 20210
3 year certificate
$0
3.50%
▲ 0.51% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.51% above avgNationally 2.66%
Details
SPECTRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.72%
4555 Overlook Ave SW Bldg 222, Washington, DC 20375 0001
IRA 36 months
$0
3.45%
▲ 0.46% above District Of Columbia avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.46% above avgNationally 2.66%
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
Board of Governors of the Federal Reserve System, Washington, DC 20551
36 months
$0
3.41%
▲ 0.42% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.42% above avgNationally 2.66%
Details
SPECTRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.72%
4555 Overlook Ave SW Bldg 222, Washington, DC 20375 0001
Share 36 months
$0
3.40%
▲ 0.41% above District Of Columbia avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.41% above avgNationally 2.66%
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
457 Lenfant Plz SW, Washington, DC 20024 2111
3 Years
$0
3.35%
▲ 0.36% above District Of Columbia avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.36% above avgNationally 2.66%
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1300 New York Ave NW, Washington, DC 20577 0001
Share Certificates 36 Month
$0
3.30%
▲ 0.31% above District Of Columbia avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.31% above avgNationally 2.66%
Details
EP
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
301 13th Street SW RM 215A, Washington, DC 20228 0001
36 Month Certificate
$1,000
3.25%
▲ 0.26% above District Of Columbia avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.26% above avgNationally 2.66%
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
36 month
$500
3.21%
▲ 0.22% above District Of Columbia avg
▼
Rate3.17%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.22% above avgNationally 2.66%
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
550 C St SW, Washington, DC 20024 2572
36 Month Certificate
$0
3.20%
▲ 0.21% above District Of Columbia avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.21% above avgNationally 2.66%
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1300 New York Ave NW, Washington, DC 20577 0001
Share Certificates 36 Month
$0
3.20%
▲ 0.21% above District Of Columbia avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.21% above avgNationally 2.66%
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
36 Months Regular
$0
3.15%
▲ 0.16% above District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.16% above avgNationally 2.66%
Details
FedPerks APY: 3.40%
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1300 New York Ave NW, Washington, DC 20577 0001
Share Certificates 36 Month
$0
3.15%
▲ 0.16% above District Of Columbia avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.16% above avgNationally 2.66%
Details
Government Printing Office Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
732 N Capitol ST NW, Washington, DC 20401 0002
IRA Certificate 36 months
$0
3.03%
▲ 0.04% above District Of Columbia avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.04% above avgNationally 2.66%
Details
2
Government Printing Office Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
732 N Capitol ST NW, Washington, DC 20401 0002
Share Certificates 36 months
$0
3.03%
▲ 0.04% above District Of Columbia avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.04% above avgNationally 2.66%
Details
2
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
5215 Loughboro Rd NW, Washington, DC 20016
36 Month
$500
3.00%
▲ 0.01% above District Of Columbia avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▲ 0.01% above avgNationally 2.66%
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
3 Year Certificate
$0
2.90%
▼ 0.09% below District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▼ 0.09% below avgNationally 2.66%
Details
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1432 U St Nw, Washington, DC 20009
36 Month CD
$1,000
2.75%
▼ 0.24% below District Of Columbia avg
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▼ 0.24% below avgNationally 2.66%
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
36 months
$0
2.69%
▼ 0.30% below District Of Columbia avg
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▼ 0.30% below avgNationally 2.66%
Details
$100,000 - $199,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
36 months - less than
$0
2.63%
▼ 0.36% below District Of Columbia avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▼ 0.36% below avgNationally 2.66%
Details
$99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
36 months less than
$0
2.63%
▼ 0.36% below District Of Columbia avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▼ 0.36% below avgNationally 2.66%
Details
$99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
36 months
$0
2.58%
▼ 0.41% below District Of Columbia avg
▼
Rate2.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▼ 0.41% below avgNationally 2.66%
Details
$100,000 - $199,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
36 Months - Less than
$0
2.53%
▼ 0.46% below District Of Columbia avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▼ 0.46% below avgNationally 2.66%
Details
$99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
36 months less than
$0
2.53%
▼ 0.46% below District Of Columbia avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▼ 0.46% below avgNationally 2.66%
Details
$99,999
OAS Staff Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
1889 F St NW, Washington, DC 20006
Jumbo IRA Share Certificate (36 Month)
$0
2.53%
▼ 0.46% below District Of Columbia avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▼ 0.46% below avgNationally 2.66%
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1900 E St NW, Washington, DC 20415
3 Year - Certificate or IRA Certificate
$1,000
2.52%
▼ 0.47% below District Of Columbia avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▼ 0.47% below avgNationally 2.66%
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1900 E St NW, Washington, DC 20415
Youth Share Certificates 3 Year
$100
2.52%
▼ 0.47% below District Of Columbia avg
▼
Rate2.50%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▼ 0.47% below avgNationally 2.66%
Details
Presidential Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
1660 K St Nw, Washington, DC 20006
3 Year CD
$0
2.50%
▼ 0.49% below District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.99%▼ 0.49% below avgNationally 2.66%
Details
All CD rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings.
District Of Columbia 48 Month CD Rates
MonitorBankRates District Of Columbia Average — 48 Month CD3.19% APY▼ 0.01% from last weekNational 2.65%
The average 48-month CD rate in District Of Columbia is 3.19% APY, compared with 2.65% nationally, as of August 30, 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: 4.82%
2112 F St NW, Washington, DC 20037
48 months
$500
4.13%
▲ 0.94% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▲ 0.94% above avgNationally 2.65%
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
IRA Certificate 48 Months
$0
4.13%
▲ 0.94% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▲ 0.94% above avgNationally 2.65%
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
48 months
$500
3.87%
▲ 0.68% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▲ 0.68% above avgNationally 2.65%
Details
GSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
1800 F St NW # 1211, Washington, DC 20405 0001
48 month Share Certificate
$0
3.86%
▲ 0.67% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▲ 0.67% above avgNationally 2.65%
Details
The Share Certificate rates reflect rates earned with a minimum monthly direct deposit of $200.
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1101 New York Ave NW, Washington, DC 20005 4269
Business Share Certificate: Term 48 Months
$500
3.82%
▲ 0.63% above District Of Columbia avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▲ 0.63% above avgNationally 2.65%
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1101 New York Ave NW, Washington, DC 20005 4269
Share Certificate Term 48 Months
$500
3.82%
▲ 0.63% above District Of Columbia avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▲ 0.63% above avgNationally 2.65%
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
1556 Alabama Ave SE, Washington, DC 20032
48-month
$10,000
3.75%
▲ 0.56% above District Of Columbia avg
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▲ 0.56% above avgNationally 2.65%
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
700 K St Nw Ste 60, Washington, DC 20001
48 Months
$0
3.75%
▲ 0.56% above District Of Columbia avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▲ 0.56% above avgNationally 2.65%
Details
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
2000 14th St NW, Washington, DC 20009 4473
48 Month Share Certificate
$25,000
3.75%
▲ 0.56% above District Of Columbia avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▲ 0.56% above avgNationally 2.65%
Details
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
2000 14th St NW, Washington, DC 20009 4473
48 Month Share Certificate
$500
3.70%
▲ 0.51% above District Of Columbia avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▲ 0.51% above avgNationally 2.65%
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Room c 1 80, WASHINGTON, DC 20523 0001
4-year term
$0
3.66%
▲ 0.47% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▲ 0.47% above avgNationally 2.65%
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Room c 1 80, WASHINGTON, DC 20523 0001
4-year term
$500
3.61%
▲ 0.42% above District Of Columbia avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▲ 0.42% above avgNationally 2.65%
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Room c 1 80, WASHINGTON, DC 20523 0001
IRA Fixed-Rate Certificate 4-year term
$500
3.61%
▲ 0.42% above District Of Columbia avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▲ 0.42% above avgNationally 2.65%
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
Room B 203, Washington, DC 20515
4 Year Certificate
$1,000
3.60%
▲ 0.41% above District Of Columbia avg
▼
Rate3.53%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▲ 0.41% above avgNationally 2.65%
Details
Special Rate (APY)?: 4.40%
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
200 Constitution Ave NW, Washington, DC 20210
4 year certificate
$0
3.50%
▲ 0.31% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▲ 0.31% above avgNationally 2.65%
Details
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.90%
1101 2nd St NE, Washington, DC 20002 3403
IRA Certificate 48 months
$0
3.45%
▲ 0.26% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▲ 0.26% above avgNationally 2.65%
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
Board of Governors of the Federal Reserve System, Washington, DC 20551
48 months
$0
3.41%
▲ 0.22% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▲ 0.22% above avgNationally 2.65%
Details
SPECTRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.72%
4555 Overlook Ave SW Bldg 222, Washington, DC 20375 0001
Share 48 months
$0
3.40%
▲ 0.21% above District Of Columbia avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▲ 0.21% above avgNationally 2.65%
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
48 months
$500
3.40%
▲ 0.21% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▲ 0.21% above avgNationally 2.65%
Details
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.90%
1101 2nd St NE, Washington, DC 20002 3403
48 months
$0
3.35%
▲ 0.16% above District Of Columbia avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▲ 0.16% above avgNationally 2.65%
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
48 months
$500
3.35%
▲ 0.16% above District Of Columbia avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▲ 0.16% above avgNationally 2.65%
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1300 New York Ave NW, Washington, DC 20577 0001
Share Certificates 48 Month
$0
3.30%
▲ 0.11% above District Of Columbia avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▲ 0.11% above avgNationally 2.65%
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1300 New York Ave NW, Washington, DC 20577 0001
Share Certificates 48 Month
$0
3.20%
▲ 0.01% above District Of Columbia avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▲ 0.01% above avgNationally 2.65%
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1300 New York Ave NW, Washington, DC 20577 0001
Share Certificates 48 Month
$0
3.15%
▼ 0.04% below District Of Columbia avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▼ 0.04% below avgNationally 2.65%
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
48 month
$500
3.11%
▼ 0.08% below District Of Columbia avg
▼
Rate3.07%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▼ 0.08% below avgNationally 2.65%
Details
EP
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
301 13th Street SW RM 215A, Washington, DC 20228 0001
48 Month Certificate
$1,000
3.04%
▼ 0.15% below District Of Columbia avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▼ 0.15% below avgNationally 2.65%
Details
Government Printing Office Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
732 N Capitol ST NW, Washington, DC 20401 0002
IRA Certificate 48 months
$0
3.03%
▼ 0.16% below District Of Columbia avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▼ 0.16% below avgNationally 2.65%
Details
2
Government Printing Office Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
732 N Capitol ST NW, Washington, DC 20401 0002
Share Certificates 48 months
$0
3.03%
▼ 0.16% below District Of Columbia avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▼ 0.16% below avgNationally 2.65%
Details
2
EP
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
301 13th Street SW RM 215A, Washington, DC 20228 0001
48 Month Terms
$0
2.93%
▼ 0.26% below District Of Columbia avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▼ 0.26% below avgNationally 2.65%
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
4 Year Certificate
$0
2.90%
▼ 0.29% below District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▼ 0.29% below avgNationally 2.65%
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
48 Months Regular
$0
2.90%
▼ 0.29% below District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▼ 0.29% below avgNationally 2.65%
Details
FedPerks APY: 3.15%
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1300 New York Ave NW, Washington, DC 20577 0001
4-years Step-Up
$0
2.90%
▼ 0.29% below District Of Columbia avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▼ 0.29% below avgNationally 2.65%
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 months
$0
2.74%
▼ 0.45% below District Of Columbia avg
▼
Rate2.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▼ 0.45% below avgNationally 2.65%
Details
$100,000 - $199,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 months - less than
$0
2.69%
▼ 0.50% below District Of Columbia avg
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▼ 0.50% below avgNationally 2.65%
Details
$99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 months less than
$0
2.69%
▼ 0.50% below District Of Columbia avg
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▼ 0.50% below avgNationally 2.65%
Details
$99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 months
$0
2.63%
▼ 0.56% below District Of Columbia avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▼ 0.56% below avgNationally 2.65%
Details
$100,000 - $199,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 Months - Less than
$0
2.58%
▼ 0.61% below District Of Columbia avg
▼
Rate2.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▼ 0.61% below avgNationally 2.65%
Details
$99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 months less than
$0
2.58%
▼ 0.61% below District Of Columbia avg
▼
Rate2.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▼ 0.61% below avgNationally 2.65%
Details
$99,999
OAS Staff Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
1889 F St NW, Washington, DC 20006
48 months
$0
2.53%
▼ 0.66% below District Of Columbia avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▼ 0.66% below avgNationally 2.65%
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1025 Connecticut Ave Nw Fl 1, Washington, DC 20036
4 Year CD
$0
2.50%
▼ 0.69% below District Of Columbia avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▼ 0.69% below avgNationally 2.65%
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
810 VERMONT AVE NW, WASHINGTON, DC 20420
Regular & IRA Certificates - 48 months
$500
2.43%
▼ 0.76% below District Of Columbia avg
▼
Rate2.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▼ 0.76% below avgNationally 2.65%
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1900 E St NW, Washington, DC 20415
4 Year - Certificate or IRA Certificate
$1,000
2.42%
▼ 0.77% below District Of Columbia avg
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▼ 0.77% below avgNationally 2.65%
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1900 E St NW, Washington, DC 20415
Youth Share Certificates 4 Year
$100
2.42%
▼ 0.77% below District Of Columbia avg
▼
Rate2.40%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▼ 0.77% below avgNationally 2.65%
Details
OAS Staff Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
1889 F St NW, Washington, DC 20006
48 months
$0
2.28%
▼ 0.91% below District Of Columbia avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▼ 0.91% below avgNationally 2.65%
Details
Rate Increase: Twice
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1432 U St Nw, Washington, DC 20009
48 Month CD
$1,000
2.25%
▼ 0.94% below District Of Columbia avg
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▼ 0.94% below avgNationally 2.65%
Details
Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
1061 Thomas Jefferson St Nw, Washington, DC 20007
4 Year
$0
1.00%
▼ 2.19% below District Of Columbia avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average3.19%▼ 2.19% below avgNationally 2.65%
Details
District Of Columbia 60 Month CD Rates
MonitorBankRates District Of Columbia Average — 60 Month CD2.88% APY▼ 0.42% from last weekNational 2.76%
The average 60-month CD rate in District Of Columbia is 2.88% APY, compared with 2.76% nationally, as of August 30, 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: 4.82%
2112 F St NW, Washington, DC 20037
60 months
$500
4.13%
▲ 1.25% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 1.25% above avgNationally 2.76%
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
IRA Certificate 60 Months
$0
4.13%
▲ 1.25% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 1.25% above avgNationally 2.76%
Details
GSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
1800 F St NW # 1211, Washington, DC 20405 0001
60 month Share Certificate
$0
4.01%
▲ 1.13% above District Of Columbia avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 1.13% above avgNationally 2.76%
Details
The Share Certificate rates reflect rates earned with a minimum monthly direct deposit of $200.
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
60 months
$500
3.87%
▲ 0.99% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.99% above avgNationally 2.76%
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1101 New York Ave NW, Washington, DC 20005 4269
Business Share Certificate: Term 60 Months
$500
3.82%
▲ 0.94% above District Of Columbia avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.94% above avgNationally 2.76%
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1101 New York Ave NW, Washington, DC 20005 4269
Share Certificate Term 60 Months
$500
3.82%
▲ 0.94% above District Of Columbia avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.94% above avgNationally 2.76%
Details
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
2000 14th St NW, Washington, DC 20009 4473
60 Month Share Certificate
$500
3.81%
▲ 0.93% above District Of Columbia avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.93% above avgNationally 2.76%
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
1556 Alabama Ave SE, Washington, DC 20032
60-month
$10,000
3.75%
▲ 0.87% above District Of Columbia avg
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.87% above avgNationally 2.76%
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
700 K St Nw Ste 60, Washington, DC 20001
60 Months
$0
3.75%
▲ 0.87% above District Of Columbia avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.87% above avgNationally 2.76%
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
Room B 203, Washington, DC 20515
5 Year Certificate
$1,000
3.65%
▲ 0.77% above District Of Columbia avg
▼
Rate3.58%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.77% above avgNationally 2.76%
Details
Special Rate (APY)?: 4.40%
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
457 Lenfant Plz SW, Washington, DC 20024 2111
5 Years
$0
3.65%
▲ 0.77% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.77% above avgNationally 2.76%
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Room c 1 80, WASHINGTON, DC 20523 0001
5-year term
$0
3.61%
▲ 0.73% above District Of Columbia avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.73% above avgNationally 2.76%
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Room c 1 80, WASHINGTON, DC 20523 0001
5-year term
$500
3.56%
▲ 0.68% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.68% above avgNationally 2.76%
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Room c 1 80, WASHINGTON, DC 20523 0001
IRA Fixed-Rate Certificate 5-year term
$500
3.56%
▲ 0.68% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.68% above avgNationally 2.76%
Details
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
200 Constitution Ave NW, Washington, DC 20210
5 year certificate
$0
3.55%
▲ 0.67% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.67% above avgNationally 2.76%
Details
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.90%
1101 2nd St NE, Washington, DC 20002 3403
IRA Certificate 60 months
$0
3.45%
▲ 0.57% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.57% above avgNationally 2.76%
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
457 Lenfant Plz SW, Washington, DC 20024 2111
5 Years
$0
3.45%
▲ 0.57% above District Of Columbia avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.57% above avgNationally 2.76%
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
Board of Governors of the Federal Reserve System, Washington, DC 20551
60 months
$0
3.41%
▲ 0.53% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.53% above avgNationally 2.76%
Details
SPECTRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.72%
4555 Overlook Ave SW Bldg 222, Washington, DC 20375 0001
Share 60 months
$0
3.40%
▲ 0.52% above District Of Columbia avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.52% above avgNationally 2.76%
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
60 months
$500
3.40%
▲ 0.52% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.52% above avgNationally 2.76%
Details
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.90%
1101 2nd St NE, Washington, DC 20002 3403
60 months
$0
3.35%
▲ 0.47% above District Of Columbia avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.47% above avgNationally 2.76%
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
60 months
$500
3.35%
▲ 0.47% above District Of Columbia avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.47% above avgNationally 2.76%
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Room c 1 80, WASHINGTON, DC 20523 0001
IRA Variable-Rate Certificate 5-year term
$0
3.25%
▲ 0.37% above District Of Columbia avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.37% above avgNationally 2.76%
Details
Variable-Rate*
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Room c 1 80, WASHINGTON, DC 20523 0001
Variable-Rate Certificate - 5-year term
$50
3.25%
▲ 0.37% above District Of Columbia avg
▼
Rate3.20%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.37% above avgNationally 2.76%
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1300 New York Ave NW, Washington, DC 20577 0001
Share Certificates 60 Month
$0
3.25%
▲ 0.37% above District Of Columbia avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.37% above avgNationally 2.76%
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
550 C St SW, Washington, DC 20024 2572
60 Month Certificate
$0
3.15%
▲ 0.27% above District Of Columbia avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.27% above avgNationally 2.76%
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1300 New York Ave NW, Washington, DC 20577 0001
Share Certificates 60 Month
$0
3.15%
▲ 0.27% above District Of Columbia avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.27% above avgNationally 2.76%
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
60 month
$500
3.11%
▲ 0.23% above District Of Columbia avg
▼
Rate3.07%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.23% above avgNationally 2.76%
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1300 New York Ave NW, Washington, DC 20577 0001
Share Certificates 60 Month
$0
3.10%
▲ 0.22% above District Of Columbia avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.22% above avgNationally 2.76%
Details
EP
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
301 13th Street SW RM 215A, Washington, DC 20228 0001
60 Month Certificate
$1,000
3.04%
▲ 0.16% above District Of Columbia avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.16% above avgNationally 2.76%
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
5215 Loughboro Rd NW, Washington, DC 20016
60 Month
$500
3.00%
▲ 0.12% above District Of Columbia avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.12% above avgNationally 2.76%
Details
EP
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
301 13th Street SW RM 215A, Washington, DC 20228 0001
60 Month Terms
$0
2.93%
▲ 0.05% above District Of Columbia avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.05% above avgNationally 2.76%
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
5 Year Certificate
$0
2.90%
▲ 0.02% above District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▲ 0.02% above avgNationally 2.76%
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1300 New York Ave NW, Washington, DC 20577 0001
5-years Step-Up
$0
2.85%
▼ 0.03% below District Of Columbia avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▼ 0.03% below avgNationally 2.76%
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
60 Month IRA Mini-Jumbo
$0
2.80%
▼ 0.08% below District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▼ 0.08% below avgNationally 2.76%
Details
FedPerks APY**: 3.05%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
60 Month Roth IRA Mini-Jumbo
$0
2.80%
▼ 0.08% below District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▼ 0.08% below avgNationally 2.76%
Details
FedPerks APY**: 3.05%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
60 Month SEP IRA Mini-Jumbo
$0
2.80%
▼ 0.08% below District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▼ 0.08% below avgNationally 2.76%
Details
FedPerks APY**: 3.05%
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
60 months
$0
2.79%
▼ 0.09% below District Of Columbia avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▼ 0.09% below avgNationally 2.76%
Details
$100,000 - $199,999
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1432 U St Nw, Washington, DC 20009
60 Month CD
$1,000
2.75%
▼ 0.13% below District Of Columbia avg
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▼ 0.13% below avgNationally 2.76%
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
60 Month IRA
$0
2.75%
▼ 0.13% below District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▼ 0.13% below avgNationally 2.76%
Details
FedPerks APY**: 3.00%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
60 Month Roth IRA
$0
2.75%
▼ 0.13% below District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▼ 0.13% below avgNationally 2.76%
Details
FedPerks APY**: 3.00%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
60 Month SEP IRA
$0
2.75%
▼ 0.13% below District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▼ 0.13% below avgNationally 2.76%
Details
FedPerks APY**: 3.00%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
60 Months Regular
$0
2.75%
▼ 0.13% below District Of Columbia avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▼ 0.13% below avgNationally 2.76%
Details
FedPerks APY: 3.00%
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
60 months - less than
$0
2.74%
▼ 0.14% below District Of Columbia avg
▼
Rate2.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▼ 0.14% below avgNationally 2.76%
Details
$99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
60 months less than
$0
2.74%
▼ 0.14% below District Of Columbia avg
▼
Rate2.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▼ 0.14% below avgNationally 2.76%
Details
$99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
60 months
$0
2.69%
▼ 0.19% below District Of Columbia avg
▼
Rate2.66%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▼ 0.19% below avgNationally 2.76%
Details
$100,000 - $199,999
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
810 VERMONT AVE NW, WASHINGTON, DC 20420
Regular & IRA Certificates - 60 months
$500
2.69%
▼ 0.19% below District Of Columbia avg
▼
Rate2.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▼ 0.19% below avgNationally 2.76%
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
60 Months - Less than
$0
2.63%
▼ 0.25% below District Of Columbia avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▼ 0.25% below avgNationally 2.76%
Details
$99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
441 G St NW Rm 1100, Washington, DC 20548 0001
60 months less than
$0
2.63%
▼ 0.25% below District Of Columbia avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▼ 0.25% below avgNationally 2.76%
Details
$99,999
OAS Staff Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
1889 F St NW, Washington, DC 20006
60 months
$0
2.63%
▼ 0.25% below District Of Columbia avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
District Of Columbia Average2.88%▼ 0.25% below avgNationally 2.76%
Details
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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
2.497%
▼ 0.913 vs 7 days ago
District Of Columbia 12-month CD rates fell 0.913 points over the past 7 days to 2.497% APY.
6-Month CD — DC Avg
1.683%
▼ 1.277 vs 7 days ago
District Of Columbia 6-month CD rates fell 1.277 points over the past 7 days to 1.683% APY.
As of Aug 30, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
DC CD Rate Forecast — Next 12 Months
Where are District Of Columbia CD rates headed through August 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
DC 12-Month Avg APY
2.497%
6-Month Forecast
2.497%
Range: 2.30% – 2.65%
12-Month Forecast
2.247%
Range: 2.05% – 2.40%
Powered by
MonitorBankRates
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 | 0.858% | $42.92 | $85.84 | $214.60 | $429.20 |
| 6-Month CD | 1.683% | $84.15 | $168.29 | $420.73 | $841.45 |
| 12-Month CD | 2.497% | $124.85 | $249.69 | $624.23 | $1,248.45 |
| 18-Month CD | 2.906% | $145.32 | $290.63 | $726.57 | $1,453.15 |
| 24-Month CD | 3.061% | $153.03 | $306.05 | $765.13 | $1,530.25 |
| 36-Month CD | 2.987% | $149.35 | $298.70 | $746.75 | $1,493.50 |
| 48-Month CD | 3.191% | $159.55 | $319.09 | $797.73 | $1,595.45 |
| 60-Month CD | 2.876% | $143.82 | $287.63 | $719.08 | $1,438.15 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026. | |||||
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 | 0.858% | $42.92 |
| 2 | 6-Month CD | $5,000 | 1.683% | $84.15 |
| 3 | 12-Month CD | $5,000 | 2.497% | $124.85 |
| 4 | 24-Month CD | $5,000 | 3.061% | $153.03 |
| 5 | 36-Month CD | $5,000 | 2.987% | $149.35 |
| Total ($25,000 invested) | $25,000 | 2.217% blended | $554.30/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.
329
CD Rates
Tracked in District Of Columbia
Tracked in District Of Columbia
15 Banks
24 Credit Unions
About Our District Of Columbia CD Rate Database
MonitorBankRates tracks 329 CD rates from 15 banks and 24 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 (1–5), 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 24 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 — 39 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
$205/yr
At DC 12-mo avg 2.497% 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 2.497%, saving 10% of the local median salary ($8,207/year) and putting it in a CD would earn an additional $205 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 (90–180 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, PAHO WHO Federal Credit Union is offering its 60 months at 4.13% 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 (Flexible Saver - 1 Year Certificate)
- NATIONAL INSTITUTES OF HEALTH: 5.00% APY (6 Month Youth Saver)
- PAHO WHO Federal Credit Union: 4.59% APY (36 months)
- Dept of Labor Federal Credit Union: 4.37% APY (1 year Paycheck Certificate Promo)
- EagleBank: 4.35% APY (12 Month CD)
- U S POSTAL SERVICE: 4.25% APY (1 Year Starter Add-On)
- Howard University Employees Federal Credit Union: 4.20% APY (12-month New Money Certificate)
- Signal Financial Federal Credit Union: 4.05% APY (Business Share Certificate: Term 12 Months)
- GSA Federal Credit Union: 4.01% APY (60 month Share Certificate)
- City National Bank: 4.00% APY (Special 6-Month Fixed Rate)
Rates reflect recent verified offers available in District Of Columbia. Last Updated: August 28, 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 30–180 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 0.858% (3-month) to 2.987% (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 90–180 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 2.497% 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: August 28, 2026
District Of Columbia Rates & Resources
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District Of Columbia Savings Rates
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