MonitorBankRates
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CD Rate Trends

Copeland, Florida Best CD Rates September 2026

Current Copeland, Florida CD rates include Platinum Federal Credit UnionPlatinum Federal Credit UnionA+5.0 ★Texas Ratio: 1.90%Real return: +2.11%APY minus CPI (February 2026) offering 12 Month Family Legacy Certificate Account at 4.91% APY, Launch Credit UnionLaunch Credit UnionA+5.0 ★Texas Ratio: 1.92%Real return: +1.79%APY minus CPI (February 2026) offering Share Certificates - 18 Month at 4.59% APY, United Fidelity BankUnited Fidelity BankA+5.0 ★Texas Ratio: 2.56%Real return: +1.60%APY minus CPI (February 2026) offering 12-Month CD at 4.40% APY, Tropical Financial Credit UnionTropical Financial Credit UnionA+5.0 ★Texas Ratio: 5.63%Real return: +1.60%APY minus CPI (February 2026) offering 12 Month Certificate at 4.40% APY, and Climate First BankClimate First BankA+5.0 ★Texas Ratio: 1.15%Real return: +1.59%APY minus CPI (February 2026) offering 60-Month CD at 4.39% APY. CD rates as of September 16, 2026 according to verified data from MonitorBankRates.

Copeland is a smaller community with no bank or credit union branches currently in our database. 783 institutions serving the Florida area are available to Copeland residents, with CD rates as high as 4.91% APY from Platinum Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 16, 2026

Compare Best CD Rates in Copeland, Florida & the Surrounding Area

Copeland 3 Month CD Rates

National 3 Month CD Average2.04% APY▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
3 Month Standard Certificates
$0
4.00% ▲ 1.96% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.96% above avg
Details

SPECIAL OFFER THRU 9/30/26

Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
3-Month Certificate of Deposit
$0
4.00% ▲ 1.96% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.96% above avg
Details

Promotional APY is available on new money only deposited into a new 3-Month Certificate of Deposit. Offer valid through September 30, 2026. APY is accurate as of August 3, 2026, and is subject to change without notice after the promotional period. Early withdrawal penalties may apply and may reduce earnings. Fees may reduce earnings. Membership eligibility required. At maturity, the certificate will renew according to the Credit Union's current certificate renewal policy unless otherwise instructed during the grace period. See offer page for more information.

Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
3-Month Certificate of Deposit - 3 months
$0
4.00% ▲ 1.96% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.96% above avg
Details

Promotional; Offer valid through September 30, 2026. APY is accurate as of August 3, 2026, and is subject to change without notice after the promotional period. Early withdrawal penalties may apply and may reduce earnings. Fees may reduce earnings. Membership eligibility required. At maturity, the certificate will renew according to the Credit Union's current certificate renewal policy unless otherwise instructed during the grace period. See offer page for more information.

Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Jumbo Certificates - 3 Months SPECIAL OFFER THRU 9/30/26
$0
4.00% ▲ 1.96% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.96% above avg
Details

SPECIAL OFFER THRU 9/30/26

Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Standard Certificates - 3 Months
$0
4.00% ▲ 1.96% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.96% above avg
Details

SPECIAL OFFER THRU 9/30/26

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
3 Month IRA Certificate
$0
3.97% ▲ 1.93% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.93% above avg
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
3 Month IRA Certificate
$0
3.87% ▲ 1.83% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.83% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
3 Month IRA Jumbo
$0
3.71% ▲ 1.67% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.67% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
3 Month Certificate
$1,000
3.66% ▲ 1.62% above national avg
Rate3.60%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.62% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
3 Month IRA
$0
3.66% ▲ 1.62% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.62% above avg
Details

Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3 Month Promotional Share Certificate
$0
3.50% ▲ 1.46% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.46% above avg
Details

Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
3 Month Certificate
$0
3.50% ▲ 1.46% above national avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.46% above avg
Details

Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
3 Month IRA CD
$0
3.50% ▲ 1.46% above national avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.46% above avg
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
Share Certificates - 3 Month
$1,000
3.45% ▲ 1.41% above national avg
Rate3.40%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.41% above avg
Details

Existing certificates only - no new accounts offered

Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Jumbo Term Share Certificates - 3 Months
$0
3.40% ▲ 1.36% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.36% above avg
Details

Axiom Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Business 3 Months
$0
3.35% ▲ 1.31% above national avg
Rate3.29%
Min Deposit$0
Min Balance
Verified and UpdatedSep 11, 2026
National Average2.04%▲ 1.31% above avg
Details

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
3 Month IRA/HSA CD
$500
3.30% ▲ 1.26% above national avg
Rate3.25%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.26% above avg
Details

VIP Bonus Rate: 3.49%, VIP Bonus APY: 3.55%. Rates as of 09/12/26 and subject to change.

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
3-Month Share Certificate
$1,000
3.26% ▲ 1.22% above national avg
Rate3.20%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.22% above avg
Details

Penalty for early withdrawal: 3 Months Dividends

Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
3 Month Emergency Fund Certificate
$0
3.25% ▲ 1.21% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.21% above avg
Details

Maximum Certificate balance: $2,500

Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
3-Month Emergency Fund Certificate
$0
3.25% ▲ 1.21% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.21% above avg
Details

First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
3 Month Certificate
$1,000
3.25% ▲ 1.21% above national avg
Rate3.20%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.21% above avg
Details

First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
3 Month IRA Certificate
$1,000
3.25% ▲ 1.21% above national avg
Rate3.20%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.21% above avg
Details

Tropical Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3 Month Certificate
$500
3.25% ▲ 1.21% above national avg
Rate3.21%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.21% above avg
Details

Tropical Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3 Month IRA Certificate
$500
3.25% ▲ 1.21% above national avg
Rate3.21%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.21% above avg
Details

IRA Certificate

Tropical Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3 Month Regular Certificate of Deposit
$500
3.25% ▲ 1.21% above national avg
Rate3.21%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.21% above avg
Details

Tropical Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
IRA Certificates - 3 Months
$500
3.25% ▲ 1.21% above national avg
Rate3.21%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.21% above avg
Details

Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
90-Day IRA Certificate
$50
3.25% ▲ 1.21% above national avg
Rate3.20%
Min Deposit$50
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.21% above avg
Details

Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
90-Day Share Certificate
$1,000
3.25% ▲ 1.21% above national avg
Rate3.20%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.21% above avg
Details

Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3 Month Certificate
$0
3.20% ▲ 1.16% above national avg
Rate3.15%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.16% above avg
Details

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
3 Month CD
$500
3.15% ▲ 1.11% above national avg
Rate3.11%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.11% above avg
Details

VIP Bonus Rate: 3.35%, VIP Bonus APY: 3.40%. Rates as of 09/12/26 and subject to change.

Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
3 Month Certificate
$0
3.14% ▲ 1.10% above national avg
Rate3.10%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.10% above avg
Details

Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3 Month Certificate
$0
3.10% ▲ 1.06% above national avg
Rate3.06%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.06% above avg
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 3 Month
$0
3.05% ▲ 1.01% above national avg
Rate3.02%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.01% above avg
Details

Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3 Month Certificate
$500
3.04% ▲ 1.00% above national avg
Rate3.00%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.00% above avg
Details

Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Month Certificate
$2,500
3.00% ▲ 0.96% above national avg
Rate2.96%
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.96% above avg
Details

Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
3 Month Certificate
$0
3.00% ▲ 0.96% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.96% above avg
Details

FL

Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3 Month Certificate
$0
3.00% ▲ 0.96% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.96% above avg
Details

Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
Compounding Share Certificates - 3 months
$0
3.00% ▲ 0.96% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.96% above avg
Details

Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
3 Month Certificate
$0
2.96% ▲ 0.92% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.92% above avg
Details

City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
3 Month Certificate
$0
2.78% ▲ 0.74% above national avg
Rate2.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.74% above avg
Details

(90 to 179 days)

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 3 Month
$0
2.75% ▲ 0.71% above national avg
Rate2.72%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.71% above avg
Details

First Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3 Month Certificate
$500
2.75% ▲ 0.71% above national avg
Rate2.71%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.71% above avg
Details

Commerce Bank & Trust Winter Park, FL
Institution Rating:
C-3.7 ★Texas Ratio: 30.17%
90 day CD (Non-IRA)
$500
2.75% ▲ 0.71% above national avg
Rate2.71%
Min Deposit$500
Min Balance
Verified and UpdatedSep 11, 2026
National Average2.04%▲ 0.71% above avg
Details

A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty.

Ocala Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
90 Day Certificate of Deposits (CDs) - 90 Days
$500
2.65% ▲ 0.61% above national avg
Rate2.61%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.61% above avg
Details

Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month Millionaire Certificate
$1,000,000
2.55% ▲ 0.51% above national avg
Rate
Min Deposit$1,000,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.51% above avg
Details

Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month Jumbo Certificate
$100,000
2.45% ▲ 0.41% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.41% above avg
Details

Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month Regular Certificate
$1,000
2.45% ▲ 0.41% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.41% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3 month CD - 3 months ($100,000)
$0
2.40% ▲ 0.36% above national avg
Rate2.37%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.36% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3 month CD - 3 months ($25,000)
$0
2.40% ▲ 0.36% above national avg
Rate2.37%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.36% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3 month CD - 3 months ($500)
$0
2.40% ▲ 0.36% above national avg
Rate2.37%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.36% above avg
Details

Copeland 6 Month CD Rates

National 6 Month CD Average2.75% APY▲ 0.08% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6-Month CD
$1,000
4.35% ▲ 1.60% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.75%▲ 1.60% above avg
Details

Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
6-month CD
$10,000
4.25% ▲ 1.50% above national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.50% above avg
Details

Promotional CD offer valid for FL residents. Advertised rate applies only in the state of FL. To obtain these rates, CD must be opened with new funds deposited into Amerant Bank. Minimum $10,000 deposit and balance from external source required to obtain promotional rate. Max deposit $250,000 per account - $500,000 per customer. Account must be opened online or in-branch. Personal account only. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce earnings on the account. Interest compounded and paid monthly. If no action is taken, CD auto-renews at current rates and APY available at that time. Must open an account by 10/09/2026 to get the promotional rates.

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
6 Month IRA Jumbo
$0
4.12% ▲ 1.37% above national avg
Rate4.05%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.37% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
6 Month IRA CD
$0
4.10% ▲ 1.35% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.35% above avg
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Business Fixed Rate Certificates - 6 Months
$1,000
4.08% ▲ 1.33% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.33% above avg
Details

Compound Period: Daily

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Fixed Rate Certificates - 6 Months
$1,000
4.08% ▲ 1.33% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.33% above avg
Details

Compound Period: Daily

Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
6-Month Penalty-Free CD
$500
4.07% ▲ 1.32% above national avg
Rate3.99%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.32% above avg
Details

No additional deposits allowed. No penalty for early withdrawals. The account matures in 6 months and will automatically renew for the same term unless funds are withdrawn within 10 days after maturity, during which withdrawals may be made without penalty. Withdrawals will reduce earnings.

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
6 Month Certificate
$1,000
4.07% ▲ 1.32% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.32% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
6 Month IRA
$0
4.07% ▲ 1.32% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.32% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
6 Month IRA CD
$0
4.05% ▲ 1.30% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.30% above avg
Details

Coast 2 Coast Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
6 Month Jumbo Certificate
$100,000
4.01% ▲ 1.26% above national avg
Rate3.95%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.26% above avg
Details

Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.

City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Special 6-Month Fixed Rate
$0
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details

1

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6 Month Certificate
$0
4.00% ▲ 1.25% above national avg
Rate3.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6-Month Share Certificate Promotional Rate
$0
4.00% ▲ 1.25% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details

effective 6/1/2026

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
6-Month Certificate
$0
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details

Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
6-Month Golden Eagle Certificate
$5,000
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details

Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
6-Month Jumbo Certificate
$50,000
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details

Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
6 month CD
$0
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
6 Month IRA CD
$0
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
Business 6 month CD
$0
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
HSA Certificate of Deposit (CD) - 6 month
$0
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6 Month IRA Certificate
$0
3.97% ▲ 1.22% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.22% above avg
Details

Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
6 Month Certificate
$0
3.95% ▲ 1.20% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.20% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
6 month CD
$0
3.95% ▲ 1.20% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.20% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
Business 6 month CD
$0
3.95% ▲ 1.20% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.20% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
HSA Certificate of Deposit (CD) - 6 month
$0
3.95% ▲ 1.20% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.20% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificates of Deposit
$1,000
3.90% ▲ 1.15% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.15% above avg
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 6 Month
$0
3.90% ▲ 1.15% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.15% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
6 month CD
$0
3.90% ▲ 1.15% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.15% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
Business 6 month CD
$0
3.90% ▲ 1.15% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.15% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
HSA Certificate of Deposit (CD) - 6 month
$0
3.90% ▲ 1.15% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.15% above avg
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6 Month IRA Certificate
$0
3.87% ▲ 1.12% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.12% above avg
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
6-Month Share Certificate
$1,000
3.87% ▲ 1.12% above national avg
Rate3.80%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.12% above avg
Details

Penalty for early withdrawal: 3 Months Dividends

MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
6 Month IRA Share Certificate
$0
3.85% ▲ 1.10% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.10% above avg
Details

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
6 Month Certificate
$0
3.82% ▲ 1.07% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.07% above avg
Details

Miami Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
6 Month Share Jumbo Certificate
$10,000
3.80% ▲ 1.05% above national avg
Rate3.75%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details

Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month CD - Certificates of Deposit
$0
3.80% ▲ 1.05% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificates of Deposit
$1,000
3.80% ▲ 1.05% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 6 Month
$0
3.80% ▲ 1.05% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 6 Month
$1,000
3.80% ▲ 1.05% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 6-Month
$1,000
3.80% ▲ 1.05% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 6 months
$1,000
3.80% ▲ 1.05% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details

Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
6 Month Certificate
$1,000
3.76% ▲ 1.01% above national avg
Rate3.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.01% above avg
Details

Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
Share Certificates - 6 Month
$1,000
3.76% ▲ 1.01% above national avg
Rate3.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.01% above avg
Details

BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 12.74%
6-Month CD
$1,000
3.75% ▲ 1.00% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

Interest rates and APYs displayed are available only for accounts opened in a BankUnited branch. Rates are subject to change at any time and are not guaranteed until the CD is open. Please contact a BankUnited representative for additional details.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificates of Deposit
$1,000
3.75% ▲ 1.00% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 6 Month
$0
3.75% ▲ 1.00% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 6 Month
$1,000
3.75% ▲ 1.00% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
6 Month Promotional Share Certificate
$0
3.75% ▲ 1.00% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 6 months ($25,000.00)
$1,000
3.75% ▲ 1.00% above national avg
Rate3.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

Copeland 12 Month CD Rates

National 12 Month CD Average2.92% APY▲ 0.08% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
12 Month Family Legacy Certificate Account
$0
4.91% ▲ 1.99% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.99% above avg
Details

One renewal at rate in effect at maturity; rate not guaranteed to match original. The Family Legacy Certificate Account must be opened within two years of the date of death. Eligibility is subject to verification.

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
12-Month CD
$1,000
4.40% ▲ 1.48% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.92%▲ 1.48% above avg
Details

Tropical Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
12 Month Certificate
$500
4.40% ▲ 1.48% above national avg
Rate4.33%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.48% above avg
Details

Tropical Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
12 Month IRA Certificate
$500
4.40% ▲ 1.48% above national avg
Rate4.33%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.48% above avg
Details

IRA Certificate

Tropical Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
12 Month Regular Certificate of Deposit
$500
4.40% ▲ 1.48% above national avg
Rate4.33%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.48% above avg
Details

Tropical Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
IRA Certificates - 12 Months
$500
4.40% ▲ 1.48% above national avg
Rate4.33%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.48% above avg
Details

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
Traditional Teen 12 month CD Special
$0
4.33% ▲ 1.41% above national avg
Rate4.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.41% above avg
Details

up to $2,500; Tru Traditional/Roth IRA Accounts

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1 Year Starter Add-On
$0
4.25% ▲ 1.33% above national avg
Rate4.18%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.33% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
12 Month IRA Jumbo
$0
4.23% ▲ 1.31% above national avg
Rate4.15%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.31% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
12 Month Certificate
$1,000
4.18% ▲ 1.26% above national avg
Rate4.10%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.26% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
12 Month IRA
$0
4.18% ▲ 1.26% above national avg
Rate4.10%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.26% above avg
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.15% ▲ 1.23% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.23% above avg
Details

Featured rate

Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
12-Month Penalty-Free CD
$500
4.15% ▲ 1.23% above national avg
Rate4.07%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.23% above avg
Details

No additional deposits allowed. No penalty for early withdrawals. The account matures in 12 months and will automatically renew for the same term unless funds are withdrawn within 10 days after maturity, during which withdrawals may be made without penalty. Withdrawals will reduce earnings. This promotional rate offer may be modified, suspended, or terminated by Climate First Bank, in whole or in part, at any time and for any reason without prior notice.

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
12 Month Certificate
$1,000
4.14% ▲ 1.22% above national avg
Rate4.06%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.22% above avg
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Business Adjustable Rate Certificates - 12 Months
$1,000
4.14% ▲ 1.22% above national avg
Rate4.06%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.22% above avg
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
12 Month Certificate
$0
4.10% ▲ 1.18% above national avg
Rate4.02%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.18% above avg
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
12-Month Share Certificate
$500
4.10% ▲ 1.18% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.18% above avg
Details

effective 8/24/2026

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1 Year Add-On Certificate
$0
4.10% ▲ 1.18% above national avg
Rate4.04%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.18% above avg
Details

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
12 Month Certificate
$0
4.08% ▲ 1.16% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.16% above avg
Details

Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1 Year Certificate
$0
4.05% ▲ 1.13% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.13% above avg
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Business Fixed Rate Certificates - 12 Months
$1,000
4.03% ▲ 1.11% above national avg
Rate3.95%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.11% above avg
Details

Compound Period: Daily

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Fixed Rate Certificates - 12 Month HSA
$1,000
4.03% ▲ 1.11% above national avg
Rate3.95%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.11% above avg
Details

Compound Period: Daily

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Fixed Rate Certificates - 12 Months
$1,000
4.03% ▲ 1.11% above national avg
Rate3.95%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.11% above avg
Details

Compound Period: Daily

Coast 2 Coast Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
12 Month Jumbo Certificate
$100,000
4.01% ▲ 1.09% above national avg
Rate3.95%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.09% above avg
Details

Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.

Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
12-month CD
$10,000
4.00% ▲ 1.08% above national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

Promotional CD offer valid for FL residents. Advertised rate applies only in the state of FL. To obtain these rates, CD must be opened with new funds deposited into Amerant Bank. Minimum $10,000 deposit and balance from external source required to obtain promotional rate. Max deposit $250,000 per account - $500,000 per customer. Account must be opened online or in-branch. Personal account only. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce earnings on the account. Interest compounded and paid monthly. If no action is taken, CD auto-renews at current rates and APY available at that time. Must open an account by 10/09/2026 to get the promotional rates.

Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
12 month CD
$1,000
4.00% ▲ 1.08% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
12 Month Promotional Share Certificate
$0
4.00% ▲ 1.08% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
12-Month Certificate
$0
4.00% ▲ 1.08% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
12-Month Golden Eagle Certificate
$5,000
4.00% ▲ 1.08% above national avg
Rate3.93%
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
12-Month Jumbo Certificate
$50,000
4.00% ▲ 1.08% above national avg
Rate3.93%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
Jumbo 12 Month Certificates
$75,000
4.00% ▲ 1.08% above national avg
Rate3.94%
Min Deposit$75,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

Minimum $75,000

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
Jumbo Share & IRA Certificates - 12 Month
$0
4.00% ▲ 1.08% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

Early Withdrawal Penalty: 180 days interest

MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
12 Month IRA Share Certificate
$0
4.00% ▲ 1.08% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details

BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 12.74%
12-Month CD
$1,000
3.95% ▲ 1.03% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.03% above avg
Details

Rates, terms, products, and services are subject to change without notice. All accounts are subject to approval. Fees may reduce earnings. Deposit products are offered by BankUnited, N.A. and are Member FDIC. FDIC insurance coverage is subject to applicable limits and regulations. Please refer to our Deposit Account Agreement , product disclosures and Consumer Schedule of Fees for additional Terms and Conditions.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
Bonus Certificates - 12 Month
$0
3.95% ▲ 1.03% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.03% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
Bonus IRA Certificates - 12 Month
$0
3.95% ▲ 1.03% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.03% above avg
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
1-Year Share Certificate
$1,000
3.93% ▲ 1.01% above national avg
Rate3.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.01% above avg
Details

Penalty for early withdrawal: 3 Months Dividends

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 1 year
$1,000
3.91% ▲ 0.99% above national avg
Rate3.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.99% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1 Year Retirement Liquid Share Certificates
$0
3.91% ▲ 0.99% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.99% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 1 Year ($10,000)
$0
3.91% ▲ 0.99% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.99% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 1 Year ($100,000)
$0
3.91% ▲ 0.99% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.99% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 1 Year ($50,000)
$0
3.91% ▲ 0.99% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.99% above avg
Details

Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
12 Month Jumbo Certificate
$100,000
3.85% ▲ 0.93% above national avg
Rate3.78%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.93% above avg
Details

Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
12 Month Mini-Jumbo Certificate
$50,000
3.85% ▲ 0.93% above national avg
Rate3.78%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.93% above avg
Details

Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
12 Month Standard Certificate
$1,000
3.85% ▲ 0.93% above national avg
Rate3.78%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.93% above avg
Details

Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
12 Month Starter Certificate
$0
3.85% ▲ 0.93% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.93% above avg
Details

Maximum Certificate balance: $2,500

Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
12-Month Certificate
$0
3.85% ▲ 0.93% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.93% above avg
Details

Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
IRA - 1 Year k
$0
3.85% ▲ 0.93% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.93% above avg
Details

$100; My Rate

Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
Traditional/Roth IRA Jumbo Certificate - 12-Month
$100,000
3.85% ▲ 0.93% above national avg
Rate3.78%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.93% above avg
Details

Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
Traditional/Roth IRA Mini-Jumbo Certificate - 12-Month
$50,000
3.85% ▲ 0.93% above national avg
Rate3.78%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.93% above avg
Details

Copeland 18 Month CD Rates

National 18 Month CD Average2.82% APY▲ 0.15% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
Share Certificates - 18 Month
$1,000
4.59% ▲ 1.77% above national avg
Rate4.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.77% above avg
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18-Month CD
$1,000
4.40% ▲ 1.58% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 1.58% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
18 Month IRA Jumbo
$0
4.28% ▲ 1.46% above national avg
Rate4.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.46% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
18 Month Certificate
$1,000
4.23% ▲ 1.41% above national avg
Rate4.15%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.41% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
18 Month IRA
$0
4.23% ▲ 1.41% above national avg
Rate4.15%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.41% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CD
$100,000
4.15% ▲ 1.33% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.33% above avg
Details

Interest Frequency: Monthly

Tampa Bay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.86%
18 Month Market Watch
$0
4.15% ▲ 1.33% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.33% above avg
Details

This is a variable rate certificate. The rate is adjusted on the first of each month and is calculated by using the 24-month Treasury Bill rate in effect on the 10th day of the previous month plus 0.25% (25 basis points). At maturity, the certificate automatically renews.

MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
18 Month IRA Share Certificate
$0
4.15% ▲ 1.33% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.33% above avg
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 18 Month
$0
4.10% ▲ 1.28% above national avg
Rate4.04%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CD
$100,000
4.10% ▲ 1.28% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details

Interest Frequency: Semi

Tropical Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
18 Month Certificate
$500
4.10% ▲ 1.28% above national avg
Rate4.04%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details

Tropical Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
18 Month IRA Certificate
$500
4.10% ▲ 1.28% above national avg
Rate4.04%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details

IRA Certificate

Tropical Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
18 Month Regular Certificate of Deposit
$500
4.10% ▲ 1.28% above national avg
Rate4.04%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details

Tropical Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
IRA Certificates - 18 Months
$500
4.10% ▲ 1.28% above national avg
Rate4.04%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details

Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
18 Month Certificate
$0
4.08% ▲ 1.26% above national avg
Rate4.01%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.26% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CD
$100,000
4.05% ▲ 1.23% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.23% above avg
Details

Interest Frequency: Semi

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.00% ▲ 1.18% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Share Certificates
$1,000
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional IRA Certificate - 18 Month
$100,000
4.00% ▲ 1.18% above national avg
Rate3.93%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details

Traditional/Roth IRA Certificates.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Share Certificates - 18 Month
$1,000
3.95% ▲ 1.13% above national avg
Rate3.88%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.13% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 18 Months
$50,000
3.95% ▲ 1.13% above national avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.13% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Share Certificates - 18 Month
$1,000
3.90% ▲ 1.08% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.08% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 18 Month
$1,000
3.90% ▲ 1.08% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.08% above avg
Details

M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 1.03% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details

Requires a qualifying checking account.

M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
18-Month M&T Select CD
$0
3.85% ▲ 1.03% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
18 month IRA CD ($100,000)
$0
3.85% ▲ 1.03% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
18 month IRA CD ($25,000)
$0
3.85% ▲ 1.03% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
18 month IRA CD ($500)
$0
3.85% ▲ 1.03% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details

Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
18 Month Certificate
$0
3.85% ▲ 1.03% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details

Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
18 Month IRA CD
$0
3.85% ▲ 1.03% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 18 Month
$0
3.80% ▲ 0.98% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.98% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CD
$100,000
3.80% ▲ 0.98% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.98% above avg
Details

Interest Frequency: Monthly

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
18 Month Term Certificate
$0
3.77% ▲ 0.95% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 15, 2026
National Average2.82%▲ 0.95% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
18 month CD - 18 months ($100,000)
$0
3.75% ▲ 0.93% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
18 month CD - 18 months ($25,000)
$0
3.75% ▲ 0.93% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
18 month CD - 18 months ($500)
$0
3.75% ▲ 0.93% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
Business 18 month CD - 18 months ($100,000)
$0
3.75% ▲ 0.93% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
Business 18 month CD - 18 months ($25,000)
$0
3.75% ▲ 0.93% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
Business 18 month CD - 18 months ($500)
$0
3.75% ▲ 0.93% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CD
$100,000
3.70% ▲ 0.88% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.88% above avg
Details

Interest Frequency: Monthly

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CD
$200,000
3.65% ▲ 0.83% above national avg
Rate
Min Deposit$200,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details

Interest Frequency: Monthly

First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
18 Month Certificate
$1,000
3.65% ▲ 0.83% above national avg
Rate3.59%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details

First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
18 Month IRA Certificate
$1,000
3.65% ▲ 0.83% above national avg
Rate3.59%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
18 MONTH CERTIFICATE
$150,000
3.65% ▲ 0.83% above national avg
Rate
Min Deposit$150,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
18 MONTH IRA CERT
$150,000
3.65% ▲ 0.83% above national avg
Rate
Min Deposit$150,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
18-month term
$0
3.65% ▲ 0.83% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
IRA CD Specials - 18-month term
$0
3.65% ▲ 0.83% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
IRA CD Specials - 18-month term - 18 months
$0
3.65% ▲ 0.83% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details

Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
Compounding Share Certificates - 18 months
$0
3.65% ▲ 0.83% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details

Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
18 Month Certificate
$0
3.59% ▲ 0.77% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.77% above avg
Details

Copeland 24 Month CD Rates

National 24 Month CD Average2.84% APY▲ 0.13% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-month CD
$1,000
4.25% ▲ 1.41% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.41% above avg
Details

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
Traditional Kid's Club 24 month CD Special
$0
4.25% ▲ 1.41% above national avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.41% above avg
Details

up to $10,000; Tru Traditional/Roth IRA Accounts

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month CD
$100,000
4.20% ▲ 1.36% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.36% above avg
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
24-Month CD
$1,000
4.20% ▲ 1.36% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.36% above avg
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
24 Month Certificate
$1,000
4.20% ▲ 1.36% above national avg
Rate4.11%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.36% above avg
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Business Adjustable Rate Certificates - 24 Months
$1,000
4.20% ▲ 1.36% above national avg
Rate4.11%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.36% above avg
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
24 MONTH CERTIFICATE
$150,000
4.16% ▲ 1.32% above national avg
Rate
Min Deposit$150,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.32% above avg
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
24 MONTH IRA CERT
$150,000
4.16% ▲ 1.32% above national avg
Rate
Min Deposit$150,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.32% above avg
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 24 Month
$0
4.15% ▲ 1.31% above national avg
Rate4.09%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.31% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month CD
$100,000
4.15% ▲ 1.31% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.31% above avg
Details

Interest Frequency: Semi

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
24 MONTH CERTIFICATE
$75,000
4.11% ▲ 1.27% above national avg
Rate
Min Deposit$75,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.27% above avg
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
24 MONTH IRA CERT
$75,000
4.11% ▲ 1.27% above national avg
Rate
Min Deposit$75,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.27% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month CD
$100,000
4.10% ▲ 1.26% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.26% above avg
Details

Interest Frequency: Semi

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 2 Year ($10,000)
$0
4.10% ▲ 1.26% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.26% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 2 Year ($100,000)
$0
4.10% ▲ 1.26% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.26% above avg
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
24 MONTH CERTIFICATE
$1,000
4.06% ▲ 1.22% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.22% above avg
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
24 MONTH IRA CERT
$1,000
4.06% ▲ 1.22% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.22% above avg
Details

Coast 2 Coast Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
24 Month Jumbo Certificate
$100,000
4.06% ▲ 1.22% above national avg
Rate4.00%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.22% above avg
Details

Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 2 Year ($10,000)
$0
4.05% ▲ 1.21% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.21% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 2 Year ($50,000)
$0
4.05% ▲ 1.21% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.21% above avg
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
24 Month Certificate
$1,000
4.00% ▲ 1.16% above national avg
Rate3.94%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details

Fees could reduce earnings on the account. A penalty is imposed for early withdrawal.

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
24 Months CD
$1,000
4.00% ▲ 1.16% above national avg
Rate3.94%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Business Share Certificates
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Share Certificates
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 2 Year
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
Bonus Certificates - 24 Month
$0
3.96% ▲ 1.12% above national avg
Rate3.89%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.12% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
Bonus IRA Certificates - 24 Month
$0
3.96% ▲ 1.12% above national avg
Rate3.89%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.12% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Business Share Certificates
$0
3.95% ▲ 1.11% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.11% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Share Certificates
$0
3.95% ▲ 1.11% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.11% above avg
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
2-Year Share Certificate
$1,000
3.93% ▲ 1.09% above national avg
Rate3.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.09% above avg
Details

Penalty for early withdrawal: 6 Months Dividends

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Business Fixed Rate Certificates - 24 Months
$1,000
3.93% ▲ 1.09% above national avg
Rate3.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.09% above avg
Details

Compound Period: Daily

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Fixed Rate Certificates - 24 Month HSA
$1,000
3.93% ▲ 1.09% above national avg
Rate3.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.09% above avg
Details

Compound Period: Daily

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Fixed Rate Certificates - 24 Months
$1,000
3.93% ▲ 1.09% above national avg
Rate3.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.09% above avg
Details

Compound Period: Daily

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month CD
$100,000
3.90% ▲ 1.06% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details

Interest Frequency: Monthly

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Business Share Certificates
$0
3.90% ▲ 1.06% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Share Certificates
$0
3.90% ▲ 1.06% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details

MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
24 Month IRA Share Certificate
$0
3.90% ▲ 1.06% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
24 Month IRA Jumbo
$0
3.87% ▲ 1.03% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.03% above avg
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 24 Month
$0
3.85% ▲ 1.01% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
24 month IRA CD - 24 months ($100,000)
$0
3.85% ▲ 1.01% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
24 month IRA CD - 24 months ($25,000)
$0
3.85% ▲ 1.01% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
24 month IRA CD - 24 months ($500)
$0
3.85% ▲ 1.01% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
24 Month Certificate
$0
3.82% ▲ 0.98% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.98% above avg
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
Share Certificates - 24 Month
$1,000
3.82% ▲ 0.98% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.98% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
24 Month Certificate
$1,000
3.82% ▲ 0.98% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.98% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
24 Month IRA
$0
3.82% ▲ 0.98% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.98% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
24 Month Certificate
$0
3.80% ▲ 0.96% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 2 years
$1,000
3.80% ▲ 0.96% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details

First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
24 Month Certificate
$1,000
3.80% ▲ 0.96% above national avg
Rate3.74%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details

Copeland 36 Month CD Rates

National 36 Month CD Average2.77% APY▲ 0.13% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Coast 2 Coast Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
36 Month Jumbo Certificate
$100,000
4.32% ▲ 1.55% above national avg
Rate4.25%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.55% above avg
Details

Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
4.25% ▲ 1.48% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.48% above avg
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 36 Month
$0
4.20% ▲ 1.43% above national avg
Rate4.14%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.43% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
4.20% ▲ 1.43% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.43% above avg
Details

Interest Frequency: Monthly

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
36-Month CD
$1,000
4.20% ▲ 1.43% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 1.43% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
4.15% ▲ 1.38% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.38% above avg
Details

Interest Frequency: Semi

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
3 Years Add-On Certificate
$0
4.15% ▲ 1.38% above national avg
Rate4.09%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.38% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
4.10% ▲ 1.33% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.33% above avg
Details

Interest Frequency: Semi

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 3 Year
$0
4.10% ▲ 1.33% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.33% above avg
Details

Coast 2 Coast Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
36 Month Share Certificates
$0
4.06% ▲ 1.29% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.29% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
4.05% ▲ 1.28% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.28% above avg
Details

Interest Frequency: Monthly

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 3 Year
$0
4.05% ▲ 1.28% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.28% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
4.00% ▲ 1.23% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details

Interest Frequency: Monthly

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
36 Month Certificate
$1,000
4.00% ▲ 1.23% above national avg
Rate3.94%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details

Fees could reduce earnings on the account. A penalty is imposed for early withdrawal.

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
36 Months CD
$1,000
4.00% ▲ 1.23% above national avg
Rate3.94%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Business Share Certificates
$0
4.00% ▲ 1.23% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Share Certificates
$1,000
4.00% ▲ 1.23% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Share Certificates - 3 Years
$0
4.00% ▲ 1.23% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 3 Year
$0
4.00% ▲ 1.23% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional IRA Certificate - 3 Year
$100,000
4.00% ▲ 1.23% above national avg
Rate3.93%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details

Traditional/Roth IRA Certificates.

Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 Month Certificate
$1,000
4.00% ▲ 1.23% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
3-Year Share Certificate
$1,000
3.98% ▲ 1.21% above national avg
Rate3.90%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.21% above avg
Details

Penalty for early withdrawal: 9 Months Dividends

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Business Share Certificates
$0
3.95% ▲ 1.18% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.18% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Share Certificates
$0
3.95% ▲ 1.18% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.18% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Share Certificates - 3 Year
$1,000
3.95% ▲ 1.18% above national avg
Rate3.88%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.18% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 3 Year
$50,000
3.95% ▲ 1.18% above national avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.18% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
Bonus Certificates - 36 Month
$0
3.91% ▲ 1.14% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.14% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
Bonus IRA Certificates - 36 Month
$0
3.91% ▲ 1.14% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.14% above avg
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
36 MONTH CERTIFICATE
$150,000
3.91% ▲ 1.14% above national avg
Rate
Min Deposit$150,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.14% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Business Share Certificates
$0
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Share Certificates
$0
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Share Certificates - 3 Year
$1,000
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 3 Year
$1,000
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details

First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
36 Month Certificate
$1,000
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details

First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
36 Month IRA Certificate
$1,000
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
36 Month Term Jumbo Certificate
$0
3.90% ▲ 1.13% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
36 Month IRA Jumbo
$0
3.87% ▲ 1.10% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.10% above avg
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
36 MONTH CERTIFICATE
$75,000
3.85% ▲ 1.08% above national avg
Rate
Min Deposit$75,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.08% above avg
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
36 Month Term Certificate
$0
3.82% ▲ 1.05% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 15, 2026
National Average2.77%▲ 1.05% above avg
Details

First Bank Clewiston, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
36 Month Certificate
$2,500
3.82% ▲ 1.05% above national avg
Rate3.75%
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Business Fixed Rate Certificates - 36 Months
$1,000
3.82% ▲ 1.05% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details

Compound Period: Daily

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Fixed Rate Certificates - 36 Months
$1,000
3.82% ▲ 1.05% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details

Compound Period: Daily

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
36 Month Certificate
$1,000
3.82% ▲ 1.05% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
36 Month IRA
$0
3.82% ▲ 1.05% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
3.80% ▲ 1.03% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details

Interest Frequency: Monthly

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 3 years
$1,000
3.80% ▲ 1.03% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
36 MONTH CERTIFICATE
$1,000
3.80% ▲ 1.03% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
36 Month Term Certificate
$0
3.80% ▲ 1.03% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Jumbo Term Share Certificates - 3 Years
$0
3.80% ▲ 1.03% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details

MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
36 Month IRA Share Certificate
$0
3.80% ▲ 1.03% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details

Copeland 48 Month CD Rates

National 48 Month CD Average2.78% APY▲ 0.13% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 48 Month
$0
4.25% ▲ 1.47% above national avg
Rate4.18%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.47% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$100,000
4.25% ▲ 1.47% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.47% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$100,000
4.20% ▲ 1.42% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.42% above avg
Details

Interest Frequency: Monthly

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
48-Month CD
$1,000
4.20% ▲ 1.42% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.78%▲ 1.42% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$100,000
4.15% ▲ 1.37% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.37% above avg
Details

Interest Frequency: Semi

Coast 2 Coast Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
48 Month Jumbo Certificate
$100,000
4.06% ▲ 1.28% above national avg
Rate4.00%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.28% above avg
Details

Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$100,000
4.05% ▲ 1.27% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.27% above avg
Details

Interest Frequency: Semi

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
4-Year Share Certificate
$1,000
4.03% ▲ 1.25% above national avg
Rate3.95%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.25% above avg
Details

Penalty for early withdrawal: 9 Months Dividends

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
48 Month Term Jumbo Certificate
$0
3.95% ▲ 1.17% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.17% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
48 Month IRA Jumbo
$0
3.92% ▲ 1.14% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.14% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
Bonus Certificates - 48 Month
$0
3.91% ▲ 1.13% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.13% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
Bonus IRA Certificates - 48 Month
$0
3.91% ▲ 1.13% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.13% above avg
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Jumbo Term Share Certificates - 4 Years
$0
3.90% ▲ 1.12% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.12% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
48 Month Certificate
$1,000
3.87% ▲ 1.09% above national avg
Rate3.80%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.09% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
48 Month IRA
$0
3.87% ▲ 1.09% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.09% above avg
Details

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
48 Month Term Certificate
$0
3.85% ▲ 1.07% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
48 Month Term Certificate
$0
3.82% ▲ 1.04% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 15, 2026
National Average2.78%▲ 1.04% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$200,000
3.80% ▲ 1.02% above national avg
Rate
Min Deposit$200,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.02% above avg
Details

Interest Frequency: Monthly

Coast 2 Coast Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
48 Month Share Certificates
$0
3.80% ▲ 1.02% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.02% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 Month Certificate
$0
3.76% ▲ 0.98% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.98% above avg
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 48 Month
$0
3.75% ▲ 0.97% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month CD - Certificates of Deposit
$0
3.75% ▲ 0.97% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month Certificates of Deposit
$1,000
3.75% ▲ 0.97% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 48 Month
$0
3.75% ▲ 0.97% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 48 Month
$1,000
3.75% ▲ 0.97% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 48-Month
$1,000
3.75% ▲ 0.97% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
48 Month IRA CD min
$20,000
3.75% ▲ 0.97% above national avg
Rate
Min Deposit$20,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 0.97% above avg
Details

$20,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.

Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
48 Month min.
$10,000
3.75% ▲ 0.97% above national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 0.97% above avg
Details

$10,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.

San Antonio Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
IRA CERTIFICATE - 48 MONTH
$0
3.75% ▲ 0.97% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details

San Antonio Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
SHARE CERTIFICATE - 48 MONTH
$0
3.75% ▲ 0.97% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 4 years
$1,000
3.75% ▲ 0.97% above national avg
Rate3.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
48 month IRA CD
$0
3.75% ▲ 0.97% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Business Fixed Rate Certificates - 48 Months
$1,000
3.72% ▲ 0.94% above national avg
Rate3.65%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.94% above avg
Details

Compound Period: Daily

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Fixed Rate Certificates - 48 Months
$1,000
3.72% ▲ 0.94% above national avg
Rate3.65%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.94% above avg
Details

Compound Period: Daily

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
48 month IRA CD
$0
3.70% ▲ 0.92% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.92% above avg
Details

Commerce Bank & Trust Winter Park, FL
Institution Rating:
C-3.7 ★Texas Ratio: 30.17%
48 month CD
$500
3.66% ▲ 0.88% above national avg
Rate3.59%
Min Deposit$500
Min Balance
Verified and UpdatedSep 11, 2026
National Average2.78%▲ 0.88% above avg
Details

A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty.

EGLIN
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
48 month Certificate
$0
3.66% ▲ 0.88% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.88% above avg
Details

EGLIN
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
48 Month Preferred Investment Certificates
$0
3.66% ▲ 0.88% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.88% above avg
Details

Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
48 Month Jumbo Certificate
$100,000
3.65% ▲ 0.87% above national avg
Rate3.58%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details

Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
Jumbo College Saver - 48-Month
$100,000
3.65% ▲ 0.87% above national avg
Rate3.58%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details

Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
Traditional/Roth IRA Jumbo Certificate - 48-Month
$100,000
3.65% ▲ 0.87% above national avg
Rate3.58%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
48 month CD
$0
3.65% ▲ 0.87% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
48 month IRA CD
$0
3.65% ▲ 0.87% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
Business 48 month CD
$0
3.65% ▲ 0.87% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details

First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
48 Month Certificate
$1,000
3.65% ▲ 0.87% above national avg
Rate3.59%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details

First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
48 Month IRA Certificate
$1,000
3.65% ▲ 0.87% above national avg
Rate3.59%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
48 Month IRA/HSA CD
$500
3.65% ▲ 0.87% above national avg
Rate3.59%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details

VIP Bonus Rate: 3.83%, VIP Bonus APY: 3.90%. Rates as of 09/12/26 and subject to change.

Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
48 Month Certificate
$0
3.65% ▲ 0.87% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details

Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
48 Month IRA CD
$0
3.65% ▲ 0.87% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
48 MONTH CERTIFICATE
$150,000
3.65% ▲ 0.87% above national avg
Rate
Min Deposit$150,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details

Copeland 60 Month CD Rates

National 60 Month CD Average2.86% APY▲ 0.11% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
60-Month CD
$500
4.39% ▲ 1.53% above national avg
Rate4.30%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.53% above avg
Details

No additional deposits allowed. If Principal is withdrawn before the maturity date, a penalty equal to 90 days' interest will apply. The account matures in 60 months and will automatically renew to the same term CD unless funds are withdrawn within 10 days after maturity, during which withdrawals may be made without penalty. Withdrawals will reduce earnings.

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 60 Month
$0
4.35% ▲ 1.49% above national avg
Rate4.28%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.49% above avg
Details

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
Jumbo 60 Month Certificates
$75,000
4.35% ▲ 1.49% above national avg
Rate4.28%
Min Deposit$75,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.49% above avg
Details

Minimum $75,000

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
Jumbo Share & IRA Certificates - 60 Month
$0
4.35% ▲ 1.49% above national avg
Rate4.28%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.49% above avg
Details

Early Withdrawal Penalty: 180 days interest

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CD
$100,000
4.30% ▲ 1.44% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.44% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
60 Month IRA Jumbo
$0
4.28% ▲ 1.42% above national avg
Rate4.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.42% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CD
$100,000
4.25% ▲ 1.39% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.39% above avg
Details

Interest Frequency: Semi

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
60 Month Certificate
$1,000
4.23% ▲ 1.37% above national avg
Rate4.15%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.37% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
60 Month IRA
$0
4.23% ▲ 1.37% above national avg
Rate4.15%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.37% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CD
$100,000
4.20% ▲ 1.34% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.34% above avg
Details

Interest Frequency: Monthly

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
60-Month CD
$1,000
4.20% ▲ 1.34% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.86%▲ 1.34% above avg
Details

Brightstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
5 Year Long Term CDs
$0
4.20% ▲ 1.34% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.34% above avg
Details

Lock in higher APY with our 2, 3, 4, and 5-year certificates

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CD
$100,000
4.15% ▲ 1.29% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.29% above avg
Details

Interest Frequency: Semi

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 5 Year
$0
4.10% ▲ 1.24% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.24% above avg
Details

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
Regular 60 Month Certificates
$5,000
4.09% ▲ 1.23% above national avg
Rate4.03%
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.23% above avg
Details

Early Withdrawal Penalty: 180 days interest

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
5-Year Share Certificate
$1,000
4.08% ▲ 1.22% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.22% above avg
Details

Penalty for early withdrawal: 9 Months Dividends

Coast 2 Coast Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
60 Month Jumbo Certificate
$100,000
4.06% ▲ 1.20% above national avg
Rate4.00%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.20% above avg
Details

Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CD
$100,000
4.05% ▲ 1.19% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.19% above avg
Details

Interest Frequency: Semi

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Retirement Liquid Share Certificates - 5 Year
$0
4.05% ▲ 1.19% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.19% above avg
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
60 Month Certificate
$0
4.02% ▲ 1.16% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.16% above avg
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
IRA Certificate Account - 60 months
$0
4.02% ▲ 1.16% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.16% above avg
Details

Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
60 Month IRA CD min
$20,000
4.00% ▲ 1.14% above national avg
Rate
Min Deposit$20,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 1.14% above avg
Details

$20,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.

Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
60 Month min.
$10,000
4.00% ▲ 1.14% above national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 1.14% above avg
Details

$10,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
Bonus Certificates - 60 Month
$0
4.00% ▲ 1.14% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
Bonus IRA Certificates - 60 Month
$0
4.00% ▲ 1.14% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Business Share Certificates
$0
4.00% ▲ 1.14% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 1.14% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Share Certificates
$1,000
4.00% ▲ 1.14% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Share Certificates - 5 Years
$0
4.00% ▲ 1.14% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional IRA Certificate - 5 Year
$100,000
4.00% ▲ 1.14% above national avg
Rate3.93%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details

Traditional/Roth IRA Certificates.

Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
60 Month Certificate
$1,000
4.00% ▲ 1.14% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Jumbo Term Share Certificates - 5 Years
$0
4.00% ▲ 1.14% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Business Share Certificates
$0
3.95% ▲ 1.09% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.09% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Share Certificates
$0
3.95% ▲ 1.09% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.09% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Share Certificates - 5 Year
$1,000
3.95% ▲ 1.09% above national avg
Rate3.88%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.09% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 5 Year
$50,000
3.95% ▲ 1.09% above national avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.09% above avg
Details

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
60 Month Term Jumbo Certificate
$0
3.95% ▲ 1.09% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.09% above avg
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
60 Month Certificate
$0
3.92% ▲ 1.06% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.06% above avg
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
IRA Certificate Account - 60 months
$0
3.92% ▲ 1.06% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.06% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CD
$200,000
3.90% ▲ 1.04% above national avg
Rate
Min Deposit$200,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.04% above avg
Details

Interest Frequency: Monthly

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Business Share Certificates
$0
3.90% ▲ 1.04% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.04% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Share Certificates
$0
3.90% ▲ 1.04% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.04% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Share Certificates - 5 Year
$1,000
3.90% ▲ 1.04% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.04% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 5 Year
$1,000
3.90% ▲ 1.04% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.04% above avg
Details

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
60 Mo. IRA CD VIP
$500
3.90% ▲ 1.04% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.04% above avg
Details

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
60 Month IRA/HSA CD
$500
3.90% ▲ 1.04% above national avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.04% above avg
Details

VIP Bonus Rate: 4.07%, VIP Bonus APY: 4.15%. Rates as of 09/12/26 and subject to change.

Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Jumbo Certificates - 60 Months
$0
3.89% ▲ 1.03% above national avg
Rate3.82%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.03% above avg
Details

Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
60 Month Standard Certificates
$0
3.86% ▲ 1.00% above national avg
Rate3.79%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.00% above avg
Details

Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Standard Certificates - 60 Months
$0
3.86% ▲ 1.00% above national avg
Rate3.79%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.00% above avg
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 60 Month
$0
3.85% ▲ 0.99% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.99% above avg
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Copeland, Florida Institutions

Highest verified APYs available today, updated September 16, 2026

B Top 5 Bank Rates
United Fidelity Bank
12-Month CD
A+ 5.0 ★ TX: 2.56%
Min: $1,000
4.40%
Climate First Bank
60-Month CD
A+ 5.0 ★ TX: 1.15%
Min: $500
4.39%
Nicolet Bank
Relationship CD - 60 Month
A+ 5.0 ★ TX: 3.26%
Min: $0
4.35%
Anthem Bank & Trust
60 Month CD
A+ 5.0 ★ TX: 3.32%
Min: $100,000
4.30%
Amerant Bank
6-month CD
B+ 4.7 ★ TX: 18.92%
Min: $10,000
4.25%
CU Top 5 Credit Union Rates
Platinum Federal Credit Union
12 Month Family Legacy Certificate Account
A+ 5.0 ★ TX: 1.90%
Min: $0
4.91%
Launch Credit Union
Share Certificates - 18 Month
A+ 5.0 ★ TX: 1.92%
Min: $1,000
4.59%
Tropical Financial Credit Union
12 Month Certificate
A+ 5.0 ★ TX: 5.63%
Min: $500
4.40%
First Choice Credit Union West Palm Beach, FL
Jumbo 60 Month Certificates
A+ 5.0 ★ TX: 2.08%
Min: $75,000
4.35%
Tru Fi-Credit Union
Traditional Teen 12 month CD Special
A+ 5.0 ★ TX: 0.49%
Min: $0
4.33%
Rates verified September 16, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

Copeland, FL CD Rate Trends

Compare local Copeland, FL CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Florida CD Trends
12-Month CD FL Avg
2.921%
▲ 0.081 vs 7 days ago

Florida 12-month CD rates rose 0.081 points over the past 7 days to 2.921% APY.

6-Month CD FL Avg
2.746%
▲ 0.076 vs 7 days ago

Florida 6-month CD rates rose 0.076 points over the past 7 days to 2.746% APY.

As of Sep 16, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

FL CD Rate Forecast, Next 12 Months

Where are Florida CD rates headed through September 2027?

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

FL 12-Month Avg APY
2.921%
6-Month Forecast
2.921%
Range: 2.72% – 3.07%
12-Month Forecast
3.171%
Range: 2.97% – 3.32%

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

Spread model: The Florida 12-month CD average currently trades 1.45% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

Powered by MonitorBankRates

What Your Savings Earn at FL CD Rates Today

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

CD Term FL Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.043% $102.14 $204.28 $510.70 $1,021.40
6-Month CD 2.746% $137.27 $274.55 $686.37 $1,372.75
12-Month CD 2.921% $146.06 $292.11 $730.28 $1,460.55
18-Month CD 2.824% $141.19 $282.38 $705.95 $1,411.90
24-Month CD 2.843% $142.16 $284.32 $710.80 $1,421.60
36-Month CD 2.765% $138.26 $276.52 $691.30 $1,382.60
48-Month CD 2.778% $138.91 $277.82 $694.55 $1,389.10
60-Month CD 2.858% $142.91 $285.81 $714.53 $1,429.05
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 16, 2026.

Sample CD Ladder for Copeland, Florida Savers

$25,000 split equally across 5 terms using today’s Florida average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit FL Avg APY Annual Earnings
1 3-Month CD $5,000 2.043% $102.14
2 6-Month CD $5,000 2.746% $137.27
3 12-Month CD $5,000 2.921% $146.06
4 24-Month CD $5,000 2.843% $142.16
5 36-Month CD $5,000 2.765% $138.26
Total ($25,000 invested) $25,000 2.664% blended $665.89/yr

Ladder example uses equal $5,000 rungs and Florida average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

1,363
CD Rates
Tracked in Copeland, Florida
26 Banks 73 Credit Unions

About Our Copeland, Florida CD Rate Database

MonitorBankRates tracks 1,363 CD rates from 26 banks and 73 credit unions with locations in Copeland, Florida, plus national online institutions available to Florida 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: Platinum Federal Credit Union offers a CD at 4.91% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Copeland, Florida.

How to Find the Best CD Rates in Copeland, Florida

What to compare when shopping for a CD in Copeland, Florida

To find the best APYs in Copeland, Florida, start with credit unions and online-only banks: Copeland, Florida has 73 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 Copeland, Florida

  • 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 Copeland, Florida: 99 institutions here report CD rates

Consider an Alternative If…

Florida Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)

Population 65+
21.3%
National avg: 17.3%
Median Individual Earnings
$41,891
National avg: $47,340
Poverty Rate
12.6%
National avg: 11.1%
Unemployment Rate
4.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$122/yr
At FL 12-mo avg 2.921% APY

21.3% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s FL 12-month CD average of 2.921%, saving 10% of the local median salary ($4,189/year) and putting it in a CD would earn an additional $122 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 Copeland, Florida

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 Copeland, Florida

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 Copeland, Florida 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 Copeland, Florida as everywhere in the U.S.

Choosing a CD Term in Copeland, Florida

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Copeland, Florida savers easier access to their funds. For example, United Fidelity Bank is offering its 6-Month CD at 4.35% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Climate First Bank is offering its 60-Month CD at 4.39% 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 Copeland, Florida 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 Copeland, Florida 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 Copeland, Florida

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 Copeland, Florida 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 Copeland, Florida

Most CDs carry a fixed rate that is locked for the entire term, protecting a Copeland, Florida 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 Copeland, Florida

Are CD rates in Copeland, Florida FDIC insured?

Yes, most established banks in Copeland, Florida 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 Copeland, Florida?

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 Copeland, Florida.

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 Copeland, Florida 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 Copeland, Florida?

Here are recent top rates found for this area:
  • Platinum Federal Credit Union: 4.91% APY (12 Month Family Legacy Certificate Account)
  • Launch Credit Union: 4.59% APY (Share Certificates - 18 Month)
  • United Fidelity Bank: 4.40% APY (12-Month CD)
  • Tropical Financial Credit Union: 4.40% APY (12 Month Certificate)
  • Climate First Bank: 4.39% APY (60-Month CD)
  • Nicolet Bank: 4.35% APY (Relationship CD - 60 Month)
  • First Choice Credit Union West Palm Beach, FL: 4.35% APY (Jumbo 60 Month Certificates)
  • Tru Fi-Credit Union: 4.33% APY (Traditional Teen 12 month CD Special)
  • Coast 2 Coast Financial Credit Union: 4.32% APY (36 Month Jumbo Certificate)
  • Anthem Bank & Trust: 4.30% APY (60 Month CD)
Rates reflect recent verified offers available in Copeland, Florida. Last Updated: September 16, 2026

Copeland, Florida 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 Copeland, Florida 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.

Top Copeland, Florida CD Rates by Term

Verified September 16, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Copeland, Florida. Averages shown use the Florida state average where available, national otherwise. See the full rate tables above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Copeland, Florida 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 Copeland, Florida 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 Copeland, Florida. 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 FL.

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: September 16, 2026

Copeland, Florida Rates & Resources