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CD Rate Trends

Coeur Dalene, Idaho Best CD Rates September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: September 27, 2026

Current CD rates for Coeur Dalene, Idaho savers from banks and credit unions serving Idaho range from 4.25% to 4.60% APY across the five banks and credit unions featured below, verified by MonitorBankRates as of September 27, 2026. Current Coeur Dalene, Idaho CD rates include Gesa Credit UnionGesa Credit UnionA5.0 ★Texas Ratio: 6.57%Real return: +1.80%APY minus CPI (February 2026) offering IRA CD - 18 Months at 4.60% APY, Members Preferred Credit UnionMembers Preferred Credit UnionA+5.0 ★Texas Ratio: 2.99%Real return: +1.52%APY minus CPI (February 2026) offering 36 Month Certificate at 4.32% APY, America First Federal Credit UnionAmerica First Federal Credit UnionA5.0 ★Texas Ratio: 8.33%Real return: +1.50%APY minus CPI (February 2026) offering 60 Month Regular CD at 4.30% APY, Mountain America Federal Credit UnionMountain America Federal Credit UnionA5.0 ★Texas Ratio: 9.78%Real return: +1.45%APY minus CPI (February 2026) offering 24 Month Certificate at 4.25% APY, and Westmark Credit UnionWestmark Credit UnionA+5.0 ★Texas Ratio: 3.04%Real return: +1.45%APY minus CPI (February 2026) offering 24 Month IRA Term Certificate at 4.25% APY. CD rates as of September 27, 2026 according to verified data from MonitorBankRates.

Coeur Dalene is a smaller community with no bank or credit union branches currently in our database. 430 institutions serving the Idaho area are available to Coeur Dalene residents, with CD rates as high as 4.60% APY from Gesa 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 27, 2026

Compare Best CD Rates in Coeur Dalene, Idaho & the Surrounding Area

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Coeur Dalene 3 Month CD Rates

National 3 Month CD Average2.08% APY▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3 Month Certificate
$0
3.90% ▲ 1.82% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 1.82% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Business Liquid Certificate
$0
3.65% ▲ 1.57% above national avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.57% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Liquid Certificate
$0
3.65% ▲ 1.57% above national avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.57% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
3 Month (91 Day) CD
$0
3.60% ▲ 1.52% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.52% above avg
Details

Daily Balance of $99,999.01 or more; Payment Frequency: Maturity

Rate History
No change since Sep 24, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 24, 2026: 3.60% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 3 Month (91 Day) CD
$0
3.60% ▲ 1.52% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.52% above avg
Details

Balance: $99,999.01 or more; Payment Frequency: Maturity

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Sep 28, 2026
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
3 Month CD
$0
3.60% ▲ 1.52% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.52% above avg
Details

Rate History
No change since Sep 11, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 11, 2026: 3.60% APYSep 11, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
3 Month (91 Day) CD
$0
3.55% ▲ 1.47% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.47% above avg
Details

Daily Balance of $500 - $99,999; Payment Frequency: Maturity

Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 3 Month (91 Day) CD
$0
3.55% ▲ 1.47% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.47% above avg
Details

Balance: $500 - $99,999; Payment Frequency: Maturity

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Sep 28, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
3 Month Jumbo Certificates of Deposit
$0
3.51% ▲ 1.43% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.43% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Sep 19, 2026: 3.51% APYSep 19, 2026Sep 28, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.98%
Business 90 Day Fixed Rate
$0
3.50% ▲ 1.42% above national avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.42% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Sep 28, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
3 Month IRA Certificate
$0
3.50% ▲ 1.42% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.08%▲ 1.42% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Business Certificates
$0
3.50% ▲ 1.42% above national avg
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.42% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Consumer Certificates
$0
3.50% ▲ 1.42% above national avg
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.42% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Jumbo Certificates or more
$0
3.50% ▲ 1.42% above national avg
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.42% above avg
Details

$95,000

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.50% ▲ 1.42% above national avg
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.42% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
3 Month Certificates of Deposit (CDs)
$0
3.40% ▲ 1.32% above national avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.32% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 19, 2026: 3.40% APYSep 19, 2026Sep 28, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
90 Day Certificate
$2,500
3.40% ▲ 1.32% above national avg
View
▼
Rate3.40%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.08%▲ 1.32% above avg
Details

Balance: $25,000.00 to $99,999.99

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Certificate Accounts
$0
3.30% ▲ 1.22% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.22% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Fixed CD - 3 Months
$0
3.30% ▲ 1.22% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.22% above avg
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Certificate Accounts
$0
3.15% ▲ 1.07% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.07% above avg
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 3 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Fixed CD - 3 Months
$0
3.15% ▲ 1.07% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.07% above avg
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 3 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Sep 28, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
90 Day Certificates of Deposit
$500
3.00% ▲ 0.92% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.92% above avg
Details

All certificates can be added onto, $200 minimum add on.

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Certificate Accounts
$0
3.00% ▲ 0.92% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.92% above avg
Details

Balance: $500 - $49,999.99

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Fixed CD - 3 Months
$0
3.00% ▲ 0.92% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.92% above avg
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Sep 28, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
3 Month Certificate
$0
3.00% ▲ 0.92% above national avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.92% above avg
Details

Early Withdrawal Penalty 30 day Penalty

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Sep 28, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
3 Month IRA Certificate
$0
3.00% ▲ 0.92% above national avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.92% above avg
Details

Early Withdrawal Penalty 30 day Penalty

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Sep 28, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
3 Month Share Certificates
$0
1.75% ▼ 0.33% below national avg
View
▼
Rate1.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▼ 0.33% below avg
Details

Rate History
No change since Sep 12, 2026 · 1.75% APY · checked 4 times
1.25%1.75%2.25%Sep 12, 2026: 1.75% APYSep 12, 2026Sep 28, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
IRA CD - 3 Months
$500
1.65% ▼ 0.43% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▼ 0.43% below avg
Details

Rate History
No change since Sep 25, 2026 · 1.65% APY
1.15%1.65%2.15%Sep 25, 2026: 1.65% APYSep 25, 2026Sep 28, 2026
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
90 Day Term Certificates
$0
1.50% ▼ 0.58% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 0.58% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Sep 28, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
3 Month Rewards CD
$0
1.40% ▼ 0.68% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▼ 0.68% below avg
Details

Rewards CD .25% (with active Rewards Checking): 1.65%

Rate History
No change since Sep 12, 2026 · 1.40% APY · checked 3 times
0.90%1.40%1.90%Sep 12, 2026: 1.40% APYSep 12, 2026Sep 28, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
Share/IRA Certificates - 3 Months
$500
1.40% ▼ 0.68% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▼ 0.68% below avg
Details

Rate History
No change since Sep 25, 2026 · 1.40% APY
0.90%1.40%1.90%Sep 25, 2026: 1.40% APYSep 25, 2026Sep 28, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
3 Month Share Certificates
$0
1.25% ▼ 0.83% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 0.83% below avg
Details

Rate History
No change since Sep 27, 2026 · 1.25% APY
0.75%1.25%1.75%Sep 27, 2026: 1.25% APYSep 27, 2026Sep 28, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$0
0.10% ▼ 1.98% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 1.98% below avg
Details

Balance: $1,000 +

Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYSep 24, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.02% below national avg
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 2.02% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 0.06% APY
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3 month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.03% below national avg
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 2.03% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Sep 28, 2026

Coeur Dalene 6 Month CD Rates

National 6 Month CD Average2.77% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 6 Months
$0
4.10% ▲ 1.33% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.33% above avg
Details

Minimum balance $100,000

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6 Month Promo CD
$500
3.95% ▲ 1.18% above national avg
View
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.18% above avg
Details

*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 6 Months
$0
3.95% ▲ 1.18% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.18% above avg
Details

Minimum balance $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
6 Month CD (including Accumulator)
$0
3.90% ▲ 1.13% above national avg
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.13% above avg
Details

Rate History
No change since Sep 11, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 11, 2026: 3.90% APYSep 11, 2026Sep 28, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
6 Month Certificate
$0
3.90% ▲ 1.13% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.13% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
Idaho United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
6 Month Promo CD
$500
3.90% ▲ 1.13% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.13% above avg
Details

Rates are accurate as of March 30, 2026, and are fixed for the term of the certificate. A penalty will be imposed for early withdrawal. Fees may reduce earnings. No institutional deposits accepted. Insured by NCUA.

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 Month Share Certificates
$500
3.82% ▲ 1.05% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.05% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.82% APY
3.32%3.82%4.32%Sep 25, 2026: 3.82% APYSep 25, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 6 Months
$0
3.80% ▲ 1.03% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.03% above avg
Details

Minimum balance $500

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
180 Day Certificates of Deposit
$500
3.75% ▲ 0.98% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.98% above avg
Details

All certificates can be added onto, $200 minimum add on.

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
6 Month Certificate
$0
3.70% ▲ 0.93% above national avg
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.93% above avg
Details

All accounts require a minimum balance of $500 to earn APY*

Rate History
No change since Sep 20, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 20, 2026: 3.70% APYSep 20, 2026Sep 28, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6 Month Share Certificates
$0
3.70% ▲ 0.93% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.93% above avg
Details

Rate History
No change since Sep 27, 2026 · 3.70% APY
3.20%3.70%4.20%Sep 27, 2026: 3.70% APYSep 27, 2026Sep 28, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
6 Month Jumbo Certificates of Deposit
$0
3.61% ▲ 0.84% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.84% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.61% APY · checked 3 times
3.11%3.61%4.11%Sep 19, 2026: 3.61% APYSep 19, 2026Sep 28, 2026
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
6 Month BUMP
$500
3.61% ▲ 0.84% above national avg
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.84% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.61% APY · checked 2 times
3.11%3.61%4.11%Sep 22, 2026: 3.61% APYSep 22, 2026Sep 28, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
6 Month ROTH IRA Term Certificate
$0
3.60% ▲ 0.83% above national avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.83% above avg
Details

All accounts require a minimum balance of $500 to earn APY*

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month Certificate Accounts
$0
3.60% ▲ 0.83% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.83% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Fixed CD - 6 Months
$0
3.60% ▲ 0.83% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.83% above avg
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6 Month Share Certificates
$0
3.60% ▲ 0.83% above national avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.83% above avg
Details

Dividend Term: Monthly

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.60% ▼ 0.10 pts · high 3.70% / low 3.60%
3.10%3.65%4.20%Sep 14, 2026: 3.70% APYSep 18, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20263.60%▼ from 3.70%
  • Sep 14, 20263.70%first recorded
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
6 Month (182 Day) CD
$0
3.58% ▲ 0.81% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.81% above avg
Details

Daily Balance of $99,999.01 or more; Payment Frequency: Maturity

Rate History
No change since Sep 24, 2026 · 3.58% APY · checked 2 times
3.08%3.58%4.08%Sep 24, 2026: 3.58% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 6 Month (182 Day) CD
$0
3.58% ▲ 0.81% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.81% above avg
Details

Balance: $99,999.01 or more; Payment Frequency: Maturity

Rate History
No change since Sep 18, 2026 · 3.58% APY · checked 3 times
3.08%3.58%4.08%Sep 18, 2026: 3.58% APYSep 18, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
6 Month (182 Day) CD
$0
3.53% ▲ 0.76% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.76% above avg
Details

Daily Balance of $500 - $99,999; Payment Frequency: Maturity

Rate History
No change since Sep 24, 2026 · 3.53% APY · checked 2 times
3.03%3.53%4.03%Sep 24, 2026: 3.53% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 6 Month (182 Day) CD
$0
3.53% ▲ 0.76% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.76% above avg
Details

Balance: $500 - $99,999; Payment Frequency: Maturity

Rate History
No change since Sep 18, 2026 · 3.53% APY · checked 3 times
3.03%3.53%4.03%Sep 18, 2026: 3.53% APYSep 18, 2026Sep 28, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
6 Month Certificates of Deposit (CDs)
$0
3.51% ▲ 0.74% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.74% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Sep 19, 2026: 3.51% APYSep 19, 2026Sep 28, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
6 Month Promotional certificate
$500
3.51% ▲ 0.74% above national avg
View
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.74% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Sep 18, 2026: 3.51% APYSep 18, 2026Sep 28, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
6 Month Smart Step Certificate
$25
3.51% ▲ 0.74% above national avg
View
▼
Rate3.46%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.74% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Sep 18, 2026: 3.51% APYSep 18, 2026Sep 28, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
6 Month IRA Certificate
$0
3.50% ▲ 0.73% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
6 Month Certificate of Deposit
$0
3.50% ▲ 0.73% above national avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.73% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
6 Month Business Certificates
$0
3.50% ▲ 0.73% above national avg
View
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.73% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
6 Month Consumer Certificates
$0
3.50% ▲ 0.73% above national avg
View
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.73% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
6 Month Jumbo Certificates or more
$0
3.50% ▲ 0.73% above national avg
View
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.73% above avg
Details

$95,000

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
6 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.50% ▲ 0.73% above national avg
View
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.73% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
6 Month Certificate
$0
3.50% ▲ 0.73% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.73% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
6 Month Certificate
$100
3.50% ▲ 0.73% above national avg
View
▼
Rate3.46%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.73% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month Certificate Accounts
$0
3.45% ▲ 0.68% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.68% above avg
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Fixed CD - 6 Months
$0
3.45% ▲ 0.68% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.68% above avg
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Sep 28, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.98%
Business 6 Month Fixed Rate
$0
3.40% ▲ 0.63% above national avg
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.63% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Sep 24, 2026: 3.40% APYSep 24, 2026Sep 28, 2026
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6 Month CERTIFICATES (Includes IRA Certificates)
$0
3.40% ▲ 0.63% above national avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.63% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Sep 28, 2026
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
6 Month Certificate
$0
3.38% ▲ 0.61% above national avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.61% above avg
Details

APY* is a blended rate.

Rate History
2 changes since Sep 14, 2026 · 3.38% → 3.38% ▼ 0.00 pts · high 3.38% / low 3.35%
2.85%3.36%3.88%Sep 14, 2026: 3.38% APYSep 18, 2026: 3.35% APYSep 22, 2026: 3.38% APYSep 14, 2026Sep 28, 2026
  • Sep 22, 20263.38%▲ from 3.35%
  • Sep 18, 20263.35%▼ from 3.38%
  • Sep 14, 20263.38%first recorded
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6 Month Certificate
$2,500
3.30% ▲ 0.53% above national avg
View
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.77%▲ 0.53% above avg
Details

Balance: $25,000.00 to $99,999.99

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month Certificate Accounts
$0
3.30% ▲ 0.53% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.53% above avg
Details

Balance: $500 - $49,999.99

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Fixed CD - 6 Months
$0
3.30% ▲ 0.53% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.53% above avg
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Sep 28, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
6 Month Share Certificates
$0
3.25% ▲ 0.48% above national avg
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.48% above avg
Details

Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 12, 2026: 3.25% APYSep 12, 2026Sep 28, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
6 Month Certificate
$0
3.10% ▲ 0.33% above national avg
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.33% above avg
Details

Early Withdrawal Penalty 30 day Penalty

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Sep 28, 2026
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
180 Day Term Certificates
$0
2.00% ▼ 0.77% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 0.77% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Sep 28, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
IRA CD - 6 Months
$500
1.65% ▼ 1.12% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▼ 1.12% below avg
Details

Rate History
No change since Sep 25, 2026 · 1.65% APY
1.15%1.65%2.15%Sep 25, 2026: 1.65% APYSep 25, 2026Sep 28, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
6 Month Standard Certificate
$50,000
1.45% ▼ 1.32% below national avg
View
▼
Rate1.44%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 1.32% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.45% APY · checked 3 times
0.95%1.45%1.95%Sep 18, 2026: 1.45% APYSep 18, 2026Sep 28, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
6 Month Rewards CD
$0
1.40% ▼ 1.37% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▼ 1.37% below avg
Details

Rewards CD .25% (with active Rewards Checking): 1.65%

Rate History
No change since Sep 12, 2026 · 1.40% APY · checked 3 times
0.90%1.40%1.90%Sep 12, 2026: 1.40% APYSep 12, 2026Sep 28, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
Share/IRA Certificates - 6 Months
$500
1.40% ▼ 1.37% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▼ 1.37% below avg
Details

Rate History
No change since Sep 12, 2026 · 1.40% APY · checked 2 times
0.90%1.40%1.90%Sep 12, 2026: 1.40% APYSep 12, 2026Sep 28, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
6 Month Standard Certificate
$10,000
1.40% ▼ 1.37% below national avg
View
▼
Rate1.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 1.37% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.40% APY · checked 3 times
0.90%1.40%1.90%Sep 18, 2026: 1.40% APYSep 18, 2026Sep 28, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
6 Month Standard Certificate
$500
1.35% ▼ 1.42% below national avg
View
▼
Rate1.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 1.42% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.35% APY · checked 3 times
0.85%1.35%1.85%Sep 18, 2026: 1.35% APYSep 18, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
6 month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.71% below national avg
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 2.71% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 0.06% APY
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Sep 28, 2026

Coeur Dalene 12 Month CD Rates

National 12 Month CD Average2.94% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 12 Months
$0
4.50% ▲ 1.56% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.56% above avg
Details

Minimum balance $100,000

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 12 Months
$0
4.35% ▲ 1.41% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.41% above avg
Details

Minimum balance $50,000

Rate History
No change since Sep 14, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 14, 2026: 4.35% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 12 Months
$0
4.20% ▲ 1.26% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.26% above avg
Details

Minimum balance $500

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
12 Month Promo CD
$500
4.15% ▲ 1.21% above national avg
View
▼
Rate4.09%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▲ 1.21% above avg
Details

*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1 Year Share Certificates
$0
4.15% ▲ 1.21% above national avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.21% above avg
Details

Dividend Term: Monthly

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 18, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 12 Months
$0
4.10% ▲ 1.16% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.16% above avg
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
12 Month Accumulator IRA
$0
4.06% ▲ 1.12% above national avg
View
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.12% above avg
Details

Rate History
No change since Sep 11, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 11, 2026: 4.06% APYSep 11, 2026Sep 28, 2026
Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1 Year Share Certificates
$0
4.05% ▲ 1.11% above national avg
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.11% above avg
Details

Dividend Term: Monthly

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 14, 2026: 3.90% APYSep 18, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20264.05%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
12 Month IRA Certificate
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Certificate Accounts
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Fixed CD - 12 Months
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
12 Month Business Certificates
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
12 Month Consumer Certificates
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
12 Month Jumbo Certificates or more
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

$95,000

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
12 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
12 Month Certificate
$0
3.95% ▲ 1.01% above national avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.01% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 12 Months
$0
3.95% ▲ 1.01% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.01% above avg
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
12 Month IRA Term Certificate
$0
3.95% ▲ 1.01% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.01% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Sep 28, 2026
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
12 Month Term Certificates
$0
3.95% ▲ 1.01% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.01% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
12 Month CD
$0
3.90% ▲ 0.96% above national avg
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.96% above avg
Details

Rate History
No change since Sep 11, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 11, 2026: 3.90% APYSep 11, 2026Sep 28, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
12 Month Certificate
$0
3.90% ▲ 0.96% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.96% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
12 Month Share Certificates
$0
3.90% ▲ 0.96% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.96% above avg
Details

Rate History
No change since Sep 27, 2026 · 3.90% APY
3.40%3.90%4.40%Sep 27, 2026: 3.90% APYSep 27, 2026Sep 28, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
12 Month Certificate
$0
3.85% ▲ 0.91% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.91% above avg
Details

All accounts require a minimum balance of $500 to earn APY*

Rate History
No change since Sep 20, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 20, 2026: 3.85% APYSep 20, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Certificate Accounts
$0
3.85% ▲ 0.91% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.91% above avg
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Fixed CD - 12 Months
$0
3.85% ▲ 0.91% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.91% above avg
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 12 Months
$0
3.80% ▲ 0.86% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.86% above avg
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
12 Month Share Certificates
$0
3.75% ▲ 0.81% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.81% above avg
Details

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Sep 28, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
12 Month ROTH IRA Term Certificate
$0
3.75% ▲ 0.81% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.81% above avg
Details

All accounts require a minimum balance of $500 to earn APY*

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
12 Month Flex (regular only)
$0
3.70% ▲ 0.76% above national avg
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.76% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Certificate Accounts
$0
3.70% ▲ 0.76% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.76% above avg
Details

Balance: $500 - $49,999.99

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Fixed CD - 12 Months
$0
3.70% ▲ 0.76% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.76% above avg
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
12 Month BUMP
$500
3.66% ▲ 0.72% above national avg
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.72% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Sep 22, 2026: 3.66% APYSep 22, 2026Sep 28, 2026
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
1 Year Certificate
$0
3.65% ▲ 0.71% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.71% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
12 Month Jumbo Certificates of Deposit
$0
3.61% ▲ 0.67% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.67% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.61% APY · checked 3 times
3.11%3.61%4.11%Sep 19, 2026: 3.61% APYSep 19, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Certificate
$0
3.60% ▲ 0.66% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.66% above avg
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Bump CD - 12 Months
$0
3.60% ▲ 0.66% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.66% above avg
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
12 Month Certificates or More
$500
3.60% ▲ 0.66% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.66% above avg
Details

$500; APY = Annual Percentage Yield. APY is subject to change and may change after the account is opened. Minimum deposit $500 to open and maintain APY. APY may vary based on location. The APY is based on an assumption that dividends will remain on deposit until maturity. Penalty will be imposed for early withdrawal. Fees could reduce earnings. Earn as high as 3.60% APY with at least $500 deposited. APY is effective as of September 26, 2026.

Rate History
No change since Sep 27, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 27, 2026: 3.60% APYSep 27, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1 year (12 Month) CD
$0
3.55% ▲ 0.61% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.61% above avg
Details

Daily Balance of $99,999.01 or more; Payment Frequency: Maturity

Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 1 Year (12 Month) CD
$0
3.55% ▲ 0.61% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.61% above avg
Details

Balance: $99,999.01 or more; Payment Frequency: Maturity

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Sep 28, 2026
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
12 Month Certificate
$500
3.55% ▲ 0.61% above national avg
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.61% above avg
Details

PAYS QUARTERLY

Rate History
No change since Sep 27, 2026 · 3.55% APY
3.05%3.55%4.05%Sep 27, 2026: 3.55% APYSep 27, 2026Sep 28, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
12 Month Certificates of Deposit (CDs)
$0
3.51% ▲ 0.57% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.57% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Sep 19, 2026: 3.51% APYSep 19, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1 year (12 Month) CD
$0
3.50% ▲ 0.56% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.56% above avg
Details

Daily Balance of $500 - $99,999; Payment Frequency: Maturity

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 1 Year (12 Month) CD
$0
3.50% ▲ 0.56% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.56% above avg
Details

Balance: $500 - $99,999; Payment Frequency: Maturity

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
12 Month Certificates of Deposit
$500
3.50% ▲ 0.56% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.56% above avg
Details

All certificates can be added onto, $200 minimum add on.

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
12 Month Certificate
$0
3.50% ▲ 0.56% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.56% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
12 Month Certificate
$100
3.50% ▲ 0.56% above national avg
View
▼
Rate3.46%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.56% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Certificate
$0
3.45% ▲ 0.51% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.51% above avg
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Bump CD - 12 Months
$0
3.45% ▲ 0.51% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.51% above avg
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Sep 28, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.98%
Business 12 Month Fixed Rate
$0
3.40% ▲ 0.46% above national avg
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.46% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Sep 24, 2026: 3.40% APYSep 24, 2026Sep 28, 2026
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
12 Month Certificate
$0
3.40% ▲ 0.46% above national avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.46% above avg
Details

APY* is a blended rate.

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Sep 28, 2026

Coeur Dalene 18 Month CD Rates

National 18 Month CD Average2.82% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 18 Months
$0
4.60% ▲ 1.78% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.78% above avg
Details

Minimum balance $100,000

Rate History
No change since Sep 14, 2026 · 4.60% APY · checked 4 times
4.10%4.60%5.10%Sep 14, 2026: 4.60% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 18 Months
$0
4.45% ▲ 1.63% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.63% above avg
Details

Minimum balance $50,000

Rate History
No change since Sep 14, 2026 · 4.45% APY · checked 4 times
3.95%4.45%4.95%Sep 14, 2026: 4.45% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 18 Months
$0
4.30% ▲ 1.48% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.48% above avg
Details

Minimum balance $500

Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Sep 28, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Month Promo CD
$500
4.20% ▲ 1.38% above national avg
View
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.38% above avg
Details

*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
18 Month Term Certificates
$0
4.20% ▲ 1.38% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.38% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
3.55%4.13%4.70%Sep 14, 2026: 4.05% APYSep 22, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
  • Sep 22, 20264.20%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Certificate Accounts
$0
4.10% ▲ 1.28% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.28% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Fixed CD - 18 Months
$0
4.10% ▲ 1.28% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.28% above avg
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
18 Month Share Certificates
$0
4.10% ▲ 1.28% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.28% above avg
Details

Rate History
No change since Sep 27, 2026 · 4.10% APY
3.60%4.10%4.60%Sep 27, 2026: 4.10% APYSep 27, 2026Sep 28, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
18 Month Certificate
$0
4.05% ▲ 1.23% above national avg
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.23% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
Ireland Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.57%
18-Month CD
$25,000
4.00% ▲ 1.18% above national avg
View
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.18% above avg
Details

Annual Percentage Yield (APY) effective September 21, 2026, subject to change. Offer is good at any Ireland Bank Branch. Interest will be compounded quarterly. A penalty may be imposed for early withdrawal. Penalty may reduce earnings on account.

Rate History
No change since Sep 15, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 15, 2026: 4.00% APYSep 15, 2026Sep 28, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
18 Month Certificate
$0
4.00% ▲ 1.18% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.18% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
18 Month IRA Certificate
$0
4.00% ▲ 1.18% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.18% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
18 Month Business Certificates
$0
4.00% ▲ 1.18% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.18% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
18 Month Consumer Certificates
$0
4.00% ▲ 1.18% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.18% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
18 Month Jumbo Certificates or more
$0
4.00% ▲ 1.18% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.18% above avg
Details

$95,000

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
18 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
4.00% ▲ 1.18% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.18% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Certificate Accounts
$0
3.95% ▲ 1.13% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.13% above avg
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Fixed CD - 18 Months
$0
3.95% ▲ 1.13% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.13% above avg
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
18 Month IRA
$0
3.91% ▲ 1.09% above national avg
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.09% above avg
Details

Rate History
No change since Sep 11, 2026 · 3.91% APY · checked 4 times
3.41%3.91%4.41%Sep 11, 2026: 3.91% APYSep 11, 2026Sep 28, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
18 Month Certificate
$0
3.90% ▲ 1.08% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.08% above avg
Details

All accounts require a minimum balance of $500 to earn APY*

Rate History
No change since Sep 20, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Sep 20, 2026: 3.90% APYSep 20, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Certificate Accounts
$0
3.80% ▲ 0.98% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.98% above avg
Details

Balance: $500 - $49,999.99

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Fixed CD - 18 Months
$0
3.80% ▲ 0.98% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.98% above avg
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
18 Month CD
$0
3.75% ▲ 0.93% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.93% above avg
Details

Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 11, 2026: 3.75% APYSep 11, 2026Sep 28, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
18 Month Share Certificates
$0
3.75% ▲ 0.93% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.93% above avg
Details

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Sep 28, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
18 Month Variable
$0
3.72% ▲ 0.90% above national avg
View
▼
Rate3.66%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.90% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.72% APY · checked 4 times
3.22%3.72%4.22%Sep 14, 2026: 3.72% APYSep 14, 2026Sep 28, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
18 Month ROTH IRA Term Certificate
$0
3.70% ▲ 0.88% above national avg
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.88% above avg
Details

All accounts require a minimum balance of $500 to earn APY*

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
18 Month - One Jump
$0
3.70% ▲ 0.88% above national avg
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.88% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
18 Month Jumbo Certificates of Deposit
$0
3.66% ▲ 0.84% above national avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.84% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Sep 19, 2026: 3.66% APYSep 19, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
18 Month CD
$0
3.58% ▲ 0.76% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.76% above avg
Details

Daily Balance of $99,999.01 or more; Payment Frequency: Semiannually

Rate History
No change since Sep 24, 2026 · 3.58% APY · checked 2 times
3.08%3.58%4.08%Sep 24, 2026: 3.58% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 18 Month CD
$0
3.58% ▲ 0.76% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.76% above avg
Details

Balance: $99,999.01 or more; Payment Frequency: Semiannually

Rate History
No change since Sep 14, 2026 · 3.58% APY · checked 4 times
3.08%3.58%4.08%Sep 14, 2026: 3.58% APYSep 14, 2026Sep 28, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
18 Month Certificates of Deposit (CDs)
$0
3.56% ▲ 0.74% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.74% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 19, 2026: 3.56% APYSep 19, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
18 Month CD
$0
3.53% ▲ 0.71% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.71% above avg
Details

Daily Balance of $500 - $99,999; Payment Frequency: Semiannually

Rate History
No change since Sep 24, 2026 · 3.53% APY · checked 2 times
3.03%3.53%4.03%Sep 24, 2026: 3.53% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 18 Month CD
$0
3.53% ▲ 0.71% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.71% above avg
Details

Balance: $500 - $99,999; Payment Frequency: Semiannually

Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 4 times
3.03%3.53%4.03%Sep 14, 2026: 3.53% APYSep 14, 2026Sep 28, 2026
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
18 Month BUMP
$500
3.30% ▲ 0.48% above national avg
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.48% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 22, 2026: 3.30% APYSep 22, 2026Sep 28, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.98%
Business 18 Month Fixed Rate
$0
3.25% ▲ 0.43% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.43% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Sep 28, 2026
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
18 Month CERTIFICATES (Includes IRA Certificates)
$0
3.25% ▲ 0.43% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.43% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
18 Month Promotional certificate
$500
3.20% ▲ 0.38% above national avg
View
▼
Rate3.16%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.38% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Sep 28, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18 Month Certificates of Deposit
$500
2.75% ▼ 0.07% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 0.07% below avg
Details

All certificates can be added onto, $200 minimum add on.

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Sep 28, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18 month IRA
$0
2.75% ▼ 0.07% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 0.07% below avg
Details

Rate History
No change since Sep 9, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 9, 2026: 2.75% APYSep 9, 2026Sep 28, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
IRA CD - 18 Months
$500
2.10% ▼ 0.72% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▼ 0.72% below avg
Details

Rate History
No change since Sep 25, 2026 · 2.10% APY
1.60%2.10%2.60%Sep 25, 2026: 2.10% APYSep 25, 2026Sep 28, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
18 Month Rewards CD
$0
1.85% ▼ 0.97% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▼ 0.97% below avg
Details

Rewards CD .25% (with active Rewards Checking): 2.10%

Rate History
No change since Sep 12, 2026 · 1.85% APY · checked 3 times
1.35%1.85%2.35%Sep 12, 2026: 1.85% APYSep 12, 2026Sep 28, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
Share/IRA Certificates - 18 Months
$500
1.85% ▼ 0.97% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▼ 0.97% below avg
Details

Rate History
No change since Sep 12, 2026 · 1.85% APY · checked 2 times
1.35%1.85%2.35%Sep 12, 2026: 1.85% APYSep 12, 2026Sep 28, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
18 Month Standard Certificate
$50,000
1.80% ▼ 1.02% below national avg
View
▼
Rate1.79%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 1.02% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.80% APY · checked 3 times
1.30%1.80%2.30%Sep 18, 2026: 1.80% APYSep 18, 2026Sep 28, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
18 Month Standard Certificate
$10,000
1.75% ▼ 1.07% below national avg
View
▼
Rate1.74%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 1.07% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 3 times
1.25%1.75%2.25%Sep 18, 2026: 1.75% APYSep 18, 2026Sep 28, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
18 Month Standard Certificate
$500
1.70% ▼ 1.12% below national avg
View
▼
Rate1.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 1.12% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.70% APY · checked 3 times
1.20%1.70%2.20%Sep 18, 2026: 1.70% APYSep 18, 2026Sep 28, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18 month variable IRA
$0
1.00% ▼ 1.82% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 1.82% below avg
Details

Rate History
No change since Sep 9, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 9, 2026: 1.00% APYSep 9, 2026Sep 28, 2026

Coeur Dalene 24 Month CD Rates

National 24 Month CD Average2.84% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 24 Months
$0
4.30% ▲ 1.46% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.46% above avg
Details

Minimum balance $100,000

Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Sep 28, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
24 Month Certificate
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.41% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
24 Month IRA Term Certificate
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.41% above avg
Details

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 18, 2026: 3.90% APYSep 22, 2026: 4.25% APYSep 18, 2026Sep 28, 2026
  • Sep 22, 20264.25%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
24 Month Term Certificates
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.41% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYSep 22, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
  • Sep 22, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
24 Month Certificate
$0
4.15% ▲ 1.31% above national avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.31% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 24 Months
$0
4.15% ▲ 1.31% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.31% above avg
Details

Minimum balance $50,000

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
24 Month Certificate
$1,000
4.12% ▲ 1.28% above national avg
View
▼
Rate4.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.28% above avg
Details

With .50% Bonus**

Rate History
No change since Sep 14, 2026 · 4.12% APY · checked 5 times
3.62%4.12%4.62%Sep 14, 2026: 4.12% APYSep 14, 2026Sep 28, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
24 Month IRA
$500
4.12% ▲ 1.28% above national avg
View
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.28% above avg
Details

With .50% Bonus*

Rate History
No change since Sep 22, 2026 · 4.12% APY · checked 4 times
3.62%4.12%4.62%Sep 22, 2026: 4.12% APYSep 22, 2026Sep 28, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
24 Month Share Certificates
$0
4.10% ▲ 1.26% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.26% above avg
Details

Rate History
No change since Sep 27, 2026 · 4.10% APY
3.60%4.10%4.60%Sep 27, 2026: 4.10% APYSep 27, 2026Sep 28, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
24 Month Promo CD
$500
4.00% ▲ 1.16% above national avg
View
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details

*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
24 Month IRA Certificate
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 24 Months
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.16% above avg
Details

Minimum balance $500

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
24 Month Business Certificates
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
24 Month Consumer Certificates
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
24 Month Jumbo Certificates or more
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.16% above avg
Details

$95,000

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
24 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 24 Months
$0
3.90% ▲ 1.06% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.06% above avg
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Certificate Accounts
$0
3.80% ▲ 0.96% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.96% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Fixed CD - 24 Months
$0
3.80% ▲ 0.96% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.96% above avg
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
24 Month Certificate
$500
3.80% ▲ 0.96% above national avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.96% above avg
Details

PAYS QUARTERLY

Rate History
No change since Sep 27, 2026 · 3.80% APY
3.30%3.80%4.30%Sep 27, 2026: 3.80% APYSep 27, 2026Sep 28, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
24 Month Share Certificates
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Sep 28, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
24 Month Certificate
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.91% above avg
Details

All accounts require a minimum balance of $500 to earn APY*

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 24 Months
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.91% above avg
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Certificate Accounts
$0
3.65% ▲ 0.81% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.81% above avg
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Fixed CD - 24 Months
$0
3.65% ▲ 0.81% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.81% above avg
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
24 Month Certificate
$1,000
3.61% ▲ 0.77% above national avg
View
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 0.77% above avg
Details

Balance: $25,000.00 to $99,999.99

Rate History
No change since Sep 18, 2026 · 3.61% APY · checked 5 times
3.11%3.61%4.11%Sep 18, 2026: 3.61% APYSep 18, 2026Sep 28, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
24 Month IRA
$500
3.61% ▲ 0.77% above national avg
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 0.77% above avg
Details

With .50% Bonus*; Balance: $25,000.00 to $99,999.99

Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 6 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Sep 28, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
24 Month ROTH IRA Term Certificate
$0
3.60% ▲ 0.76% above national avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.76% above avg
Details

All accounts require a minimum balance of $500 to earn APY*

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
2 Year - One Jump
$0
3.60% ▲ 0.76% above national avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.76% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 24 Months
$0
3.60% ▲ 0.76% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.76% above avg
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2 Year Share Certificates
$0
3.60% ▲ 0.76% above national avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.76% above avg
Details

Dividend Term: Monthly

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.60% ▼ 0.10 pts · high 3.70% / low 3.60%
3.10%3.65%4.20%Sep 14, 2026: 3.70% APYSep 18, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20263.60%▼ from 3.70%
  • Sep 14, 20263.70%first recorded
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2 Year (24 Month) CD
$0
3.55% ▲ 0.71% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.71% above avg
Details

Daily Balance of $99,999.01 or more; Payment Frequency: Annually

Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 2 Year (24 Month) CD
$0
3.55% ▲ 0.71% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.71% above avg
Details

Balance: $99,999.01 or more; Payment Frequency: Annually

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2 Year (24 Month) CD
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.66% above avg
Details

Daily Balance of $500 - $99,999; Payment Frequency: Annually

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 2 Year (24 Month) CD
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.66% above avg
Details

Balance: $500 - $99,999; Payment Frequency: Annually

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Certificate Accounts
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.66% above avg
Details

Balance: $500 - $49,999.99

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Fixed CD - 24 Months
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.66% above avg
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
24 Month Certificate
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.66% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
24 Month Certificate
$100
3.50% ▲ 0.66% above national avg
View
▼
Rate3.46%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.66% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
24 Month IRA CD
$0
3.41% ▲ 0.57% above national avg
View
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.57% above avg
Details

Rate History
No change since Sep 11, 2026 · 3.41% APY · checked 4 times
2.91%3.41%3.91%Sep 11, 2026: 3.41% APYSep 11, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Certificate
$0
3.40% ▲ 0.56% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.56% above avg
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Bump CD - 24 Months
$0
3.40% ▲ 0.56% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.56% above avg
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Sep 28, 2026
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
24 Month CD
$0
3.25% ▲ 0.41% above national avg
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.41% above avg
Details

Rate History
No change since Sep 11, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 11, 2026: 3.25% APYSep 11, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Certificate
$0
3.25% ▲ 0.41% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.41% above avg
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Bump CD - 24 Months
$0
3.25% ▲ 0.41% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.41% above avg
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
24 Month CERTIFICATES (Includes IRA Certificates)
$0
3.25% ▲ 0.41% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.41% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
2 Year Certificate
$0
3.25% ▲ 0.41% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.41% above avg
Details

Early Withdrawal 90 day Penalty

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Sep 28, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
2 Year IRA Certificate
$0
3.25% ▲ 0.41% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.41% above avg
Details

Early Withdrawal 90 day Penalty

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Sep 28, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
24 Month Promotional certificate
$500
3.15% ▲ 0.31% above national avg
View
▼
Rate3.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.31% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 3 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Certificate
$0
3.10% ▲ 0.26% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.26% above avg
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Sep 28, 2026

Coeur Dalene 36 Month CD Rates

National 36 Month CD Average2.76% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
36 Month Certificate
$500
4.32% ▲ 1.56% above national avg
View
▼
Rate4.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.56% above avg
Details

PAYS QUARTERLY

Rate History
No change since Sep 27, 2026 · 4.32% APY
3.82%4.32%4.82%Sep 27, 2026: 4.32% APYSep 27, 2026Sep 28, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
36 Month Share Certificates
$0
4.20% ▲ 1.44% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.44% above avg
Details

Rate History
No change since Sep 27, 2026 · 4.20% APY
3.70%4.20%4.70%Sep 27, 2026: 4.20% APYSep 27, 2026Sep 28, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
36 Month Certificate
$0
4.15% ▲ 1.39% above national avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.39% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
36 Month Certificate
$1,000
4.12% ▲ 1.36% above national avg
View
▼
Rate4.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 1.36% above avg
Details

With .50% Bonus**

Rate History
No change since Sep 14, 2026 · 4.12% APY · checked 5 times
3.62%4.12%4.62%Sep 14, 2026: 4.12% APYSep 14, 2026Sep 28, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
36 Month IRA
$500
4.12% ▲ 1.36% above national avg
View
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 1.36% above avg
Details

With .50% Bonus*

Rate History
No change since Sep 22, 2026 · 4.12% APY · checked 4 times
3.62%4.12%4.62%Sep 22, 2026: 4.12% APYSep 22, 2026Sep 28, 2026
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
36 Month Term Certificates
$0
3.80% ▲ 1.04% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.04% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
36 Month Share Certificates
$0
3.75% ▲ 0.99% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.99% above avg
Details

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 36 Months
$0
3.75% ▲ 0.99% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.99% above avg
Details

Minimum balance $100,000

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
36 Month Business Certificates
$0
3.75% ▲ 0.99% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.99% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
36 Month Consumer Certificates
$0
3.75% ▲ 0.99% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.99% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
36 Month Jumbo Certificates or more
$0
3.75% ▲ 0.99% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.99% above avg
Details

$95,000

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
36 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.75% ▲ 0.99% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.99% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
36 Month Certificate
$1,000
3.61% ▲ 0.85% above national avg
View
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 0.85% above avg
Details

Balance: $25,000.00 to $99,999.99

Rate History
No change since Sep 18, 2026 · 3.61% APY · checked 5 times
3.11%3.61%4.11%Sep 18, 2026: 3.61% APYSep 18, 2026Sep 28, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
36 Month IRA
$500
3.61% ▲ 0.85% above national avg
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 0.85% above avg
Details

With .50% Bonus*; Balance: $25,000.00 to $99,999.99

Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 6 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Sep 28, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
36 Month Certificate
$0
3.60% ▲ 0.84% above national avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.84% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
3 Year (36 Month) CD
$0
3.55% ▲ 0.79% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.79% above avg
Details

Daily Balance of $99,999.01 or more; Payment Frequency: Annually

Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 3 Year (36 Month) CD
$0
3.55% ▲ 0.79% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.79% above avg
Details

Balance: $99,999.01 or more; Payment Frequency: Annually

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Sep 28, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
36 Month Certificate
$0
3.55% ▲ 0.79% above national avg
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.79% above avg
Details

All accounts require a minimum balance of $500 to earn APY*

Rate History
No change since Sep 20, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 20, 2026: 3.55% APYSep 20, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 36 Months
$0
3.55% ▲ 0.79% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.79% above avg
Details

Minimum balance $50,000

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
3 Year (36 Month) CD
$0
3.50% ▲ 0.74% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.74% above avg
Details

Daily Balance of $500 - $99,999; Payment Frequency: Annually

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 3 Year (36 Month) CD
$0
3.50% ▲ 0.74% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.74% above avg
Details

Balance: $500 - $99,999; Payment Frequency: Annually

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
36 Month IRA Certificate
$0
3.50% ▲ 0.74% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 36 Months
$0
3.50% ▲ 0.74% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.74% above avg
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
3 Year -- One Jump
$0
3.40% ▲ 0.64% above national avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.64% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Sep 28, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
36 Month ROTH IRA Term Certificate
$0
3.35% ▲ 0.59% above national avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.59% above avg
Details

All accounts require a minimum balance of $500 to earn APY*

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 36 Months
$0
3.35% ▲ 0.59% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.59% above avg
Details

Minimum balance $500

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Sep 28, 2026
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
36 Month IRA CD
$0
3.30% ▲ 0.54% above national avg
View
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.54% above avg
Details

Rate History
No change since Sep 11, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 11, 2026: 3.30% APYSep 11, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 36 Months
$0
3.30% ▲ 0.54% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.54% above avg
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Certificate Accounts
$0
3.25% ▲ 0.49% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.49% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Fixed CD - 36 Months
$0
3.25% ▲ 0.49% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.49% above avg
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
36 Month CERTIFICATES (Includes IRA Certificates)
$0
3.25% ▲ 0.49% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.49% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
3 Year Certificate
$0
3.25% ▲ 0.49% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.49% above avg
Details

Early Withdrawal 90 day Penalty

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Sep 28, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
3 Year IRA Certificate
$0
3.25% ▲ 0.49% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.49% above avg
Details

Early Withdrawal 90 day Penalty

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Sep 28, 2026
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
36 Month CD
$0
3.15% ▲ 0.39% above national avg
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.39% above avg
Details

Rate History
No change since Sep 11, 2026 · 3.15% APY · checked 4 times
2.65%3.15%3.65%Sep 11, 2026: 3.15% APYSep 11, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 36 Months
$0
3.10% ▲ 0.34% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.34% above avg
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 4 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Sep 28, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
36 Month Promotional certificate
$500
3.10% ▲ 0.34% above national avg
View
▼
Rate3.06%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.34% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Certificate Accounts
$0
3.05% ▲ 0.29% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.29% above avg
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 3 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Fixed CD - 36 Months
$0
3.05% ▲ 0.29% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.29% above avg
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 3 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Certificate
$0
3.00% ▲ 0.24% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.24% above avg
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Bump CD - 36 Months
$0
3.00% ▲ 0.24% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.24% above avg
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Certificate Accounts
$0
2.85% ▲ 0.09% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.09% above avg
Details

Balance: $500 - $49,999.99

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 3 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Fixed CD - 36 Months
$0
2.85% ▲ 0.09% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.09% above avg
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 3 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Certificate
$0
2.80% ▲ 0.04% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.04% above avg
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 3 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Bump CD - 36 Months
$0
2.80% ▲ 0.04% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.04% above avg
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 4 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Sep 28, 2026
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
36 Month BUMP
$500
2.75% ▼ 0.01% below national avg
View
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 0.01% below avg
Details

Rate History
No change since Sep 22, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 22, 2026: 2.75% APYSep 22, 2026Sep 28, 2026
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
36 Month Certificate
$100
2.75% ▼ 0.01% below national avg
View
▼
Rate2.72%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 0.01% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Certificate
$0
2.60% ▼ 0.16% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 0.16% below avg
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 3 times
2.10%2.60%3.10%Sep 14, 2026: 2.60% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Bump CD - 36 Months
$0
2.60% ▼ 0.16% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 0.16% below avg
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 4 times
2.10%2.60%3.10%Sep 14, 2026: 2.60% APYSep 14, 2026Sep 28, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.98%
Business 36 Month Fixed Rate
$0
2.50% ▼ 0.26% below national avg
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 0.26% below avg
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Sep 28, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
IRA CD - 36 Months
$500
2.35% ▼ 0.41% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▼ 0.41% below avg
Details

Rate History
No change since Sep 25, 2026 · 2.35% APY
1.85%2.35%2.85%Sep 25, 2026: 2.35% APYSep 25, 2026Sep 28, 2026

Coeur Dalene 48 Month CD Rates

National 48 Month CD Average2.75% APY▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
48 Month Share Certificates
$0
4.20% ▲ 1.45% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.45% above avg
Details

Rate History
No change since Sep 27, 2026 · 4.20% APY
3.70%4.20%4.70%Sep 27, 2026: 4.20% APYSep 27, 2026Sep 28, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
48 Month Certificate
$0
4.15% ▲ 1.40% above national avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.40% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
48 Month Term Certificates
$0
3.80% ▲ 1.05% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.05% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
4 Year Jumbo Certificates of Deposit
$0
3.76% ▲ 1.01% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.01% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.76% APY · checked 3 times
3.26%3.76%4.26%Sep 19, 2026: 3.76% APYSep 19, 2026Sep 28, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
48 Month Share Certificates
$0
3.75% ▲ 1.00% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.00% above avg
Details

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 48 Months
$0
3.75% ▲ 1.00% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.00% above avg
Details

Minimum balance $100,000

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
48 Month Business Certificates
$0
3.75% ▲ 1.00% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.00% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
48 Month Consumer Certificates
$0
3.75% ▲ 1.00% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.00% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
48 Month Jumbo Certificates or more
$0
3.75% ▲ 1.00% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.00% above avg
Details

$95,000

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
48 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.75% ▲ 1.00% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.00% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
4 Year Certificates of Deposit (CDs)
$0
3.66% ▲ 0.91% above national avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.91% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Sep 19, 2026: 3.66% APYSep 19, 2026Sep 28, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
48 Month Certificate
$0
3.65% ▲ 0.90% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.90% above avg
Details

All accounts require a minimum balance of $500 to earn APY*

Rate History
No change since Sep 20, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 20, 2026: 3.65% APYSep 20, 2026Sep 28, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
48 Month Certificate
$0
3.60% ▲ 0.85% above national avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.85% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 48 Months
$0
3.55% ▲ 0.80% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.80% above avg
Details

Minimum balance $50,000

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
48 Month IRA Certificate
$0
3.50% ▲ 0.75% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.75% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
4 Year -- One Jump
$0
3.50% ▲ 0.75% above national avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.75% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 48 Months
$0
3.50% ▲ 0.75% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.75% above avg
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
48 Month ROTH IRA Term Certificate
$0
3.45% ▲ 0.70% above national avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.70% above avg
Details

All accounts require a minimum balance of $500 to earn APY*

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Sep 28, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
48 Month Certificate
$0
3.45% ▲ 0.70% above national avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.75%▲ 0.70% above avg
Details

Balance: $1,000.00 to $24,999.99

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Sep 28, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
48 Month IRA
$500
3.45% ▲ 0.70% above national avg
View
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.75%▲ 0.70% above avg
Details

Balance: $25,000.00 to $99,999.99

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 48 Months
$0
3.35% ▲ 0.60% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.60% above avg
Details

Minimum balance $500

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 48 Months
$0
3.30% ▲ 0.55% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.55% above avg
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Sep 28, 2026
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
48 Month CERTIFICATES (Includes IRA Certificates)
$0
3.30% ▲ 0.55% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.55% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Certificate Accounts
$0
3.25% ▲ 0.50% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.50% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Fixed CD - 48 Months
$0
3.25% ▲ 0.50% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.50% above avg
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
48 Month CD
$0
3.15% ▲ 0.40% above national avg
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.40% above avg
Details

Rate History
No change since Sep 11, 2026 · 3.15% APY · checked 4 times
2.65%3.15%3.65%Sep 11, 2026: 3.15% APYSep 11, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 48 Months
$0
3.10% ▲ 0.35% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.35% above avg
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 4 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Certificate Accounts
$0
3.05% ▲ 0.30% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.30% above avg
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 3 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Fixed CD - 48 Months
$0
3.05% ▲ 0.30% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.30% above avg
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 3 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Certificate
$0
3.00% ▲ 0.25% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.25% above avg
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Bump CD - 48 Months
$0
3.00% ▲ 0.25% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.25% above avg
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Sep 28, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
48 Month Promotional certificate
$500
3.00% ▲ 0.25% above national avg
View
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.25% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Certificate Accounts
$0
2.85% ▲ 0.10% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.10% above avg
Details

Balance: $500 - $49,999.99

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 3 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Fixed CD - 48 Months
$0
2.85% ▲ 0.10% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.10% above avg
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 3 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Certificate
$0
2.80% ▲ 0.05% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.05% above avg
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 3 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Bump CD - 48 Months
$0
2.80% ▲ 0.05% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.05% above avg
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 4 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Sep 28, 2026
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
48 Month BUMP
$500
2.75% At national avg
View
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%At the average
Details

Rate History
No change since Sep 22, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 22, 2026: 2.75% APYSep 22, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Certificate
$0
2.60% ▼ 0.15% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▼ 0.15% below avg
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 3 times
2.10%2.60%3.10%Sep 14, 2026: 2.60% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Bump CD - 48 Months
$0
2.60% ▼ 0.15% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▼ 0.15% below avg
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 4 times
2.10%2.60%3.10%Sep 14, 2026: 2.60% APYSep 14, 2026Sep 28, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.98%
Business 48 Month Fixed Rate
$0
2.50% ▼ 0.25% below national avg
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▼ 0.25% below avg
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Sep 28, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
IRA CD - 48 Months
$500
2.45% ▼ 0.30% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▼ 0.30% below avg
Details

Rate History
No change since Sep 25, 2026 · 2.45% APY
1.95%2.45%2.95%Sep 25, 2026: 2.45% APYSep 25, 2026Sep 28, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
48 Month Rewards CD
$0
2.20% ▼ 0.55% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▼ 0.55% below avg
Details

Rewards CD .25% (with active Rewards Checking): 2.45%

Rate History
No change since Sep 12, 2026 · 2.20% APY · checked 3 times
1.70%2.20%2.70%Sep 12, 2026: 2.20% APYSep 12, 2026Sep 28, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
Share/IRA Certificates - 48 Months
$500
2.20% ▼ 0.55% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▼ 0.55% below avg
Details

Rate History
No change since Sep 12, 2026 · 2.20% APY · checked 2 times
1.70%2.20%2.70%Sep 12, 2026: 2.20% APYSep 12, 2026Sep 28, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
48 Month Standard Certificate
$50,000
2.05% ▼ 0.70% below national avg
View
▼
Rate2.03%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▼ 0.70% below avg
Details

Rate History
No change since Sep 18, 2026 · 2.05% APY · checked 3 times
1.55%2.05%2.55%Sep 18, 2026: 2.05% APYSep 18, 2026Sep 28, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
48 Month Standard Certificate
$10,000
2.00% ▼ 0.75% below national avg
View
▼
Rate1.99%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▼ 0.75% below avg
Details

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Sep 28, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
48 Month Standard Certificate
$500
1.95% ▼ 0.80% below national avg
View
▼
Rate1.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▼ 0.80% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.95% APY · checked 3 times
1.45%1.95%2.45%Sep 18, 2026: 1.95% APYSep 18, 2026Sep 28, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
48 Month Certificates of Deposit
$500
1.25% ▼ 1.50% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▼ 1.50% below avg
Details

All certificates can be added onto, $200 minimum add on.

Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Sep 18, 2026: 1.25% APYSep 18, 2026Sep 28, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
48 month IRA
$0
1.25% ▼ 1.50% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▼ 1.50% below avg
Details

Rate History
No change since Sep 9, 2026 · 1.25% APY · checked 4 times
0.75%1.25%1.75%Sep 9, 2026: 1.25% APYSep 9, 2026Sep 28, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
48 Month Share Certificates
$1,000
0.40% ▼ 2.35% below national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▼ 2.35% below avg
Details

Rate History
No change since Sep 25, 2026 · 0.40% APY
0.00%0.45%0.90%Sep 25, 2026: 0.40% APYSep 25, 2026Sep 28, 2026

Coeur Dalene 60 Month CD Rates

National 60 Month CD Average2.84% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Regular CD
$500
4.30% ▲ 1.46% above national avg
View
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.46% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Sep 28, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
60 Month Certificate
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.41% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
60 Month Certificate
$0
4.20% ▲ 1.36% above national avg
View
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.36% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
60 Month Share Certificates
$0
4.20% ▲ 1.36% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.36% above avg
Details

Rate History
No change since Sep 27, 2026 · 4.20% APY
3.70%4.20%4.70%Sep 27, 2026: 4.20% APYSep 27, 2026Sep 28, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Bump-Rate Certificate Accounts
$500
4.15% ▲ 1.31% above national avg
View
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.31% above avg
Details

Rate History
No change since Sep 21, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Sep 21, 2026: 4.15% APYSep 21, 2026Sep 28, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Certificate
$500
4.15% ▲ 1.31% above national avg
View
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.31% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
60 Month Promo CD
$500
3.90% ▲ 1.06% above national avg
View
▼
Rate3.84%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.06% above avg
Details

*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
5 Year Jumbo Certificates of Deposit
$0
3.82% ▲ 0.98% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.98% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Sep 19, 2026: 3.82% APYSep 19, 2026Sep 28, 2026
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
60 Month Term Certificates
$0
3.80% ▲ 0.96% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.96% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
5 Year Certificate
$500
3.80% ▲ 0.96% above national avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.96% above avg
Details

PAYS QUARTERLY

Rate History
No change since Sep 27, 2026 · 3.80% APY
3.30%3.80%4.30%Sep 27, 2026: 3.80% APYSep 27, 2026Sep 28, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
60 Month Share Certificates
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Sep 28, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
60 Month Certificate
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.91% above avg
Details

All accounts require a minimum balance of $500 to earn APY*

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Sep 28, 2026
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
5 Year -- One Jump
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 60 Months
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.91% above avg
Details

Minimum balance $100,000

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
60 Month Business Certificates
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
60 Month Consumer Certificates
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
60 Month Jumbo Certificates or more
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.91% above avg
Details

$95,000

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
60 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
5 Year Certificates of Deposit (CDs)
$0
3.71% ▲ 0.87% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.87% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.71% APY · checked 3 times
3.21%3.71%4.21%Sep 19, 2026: 3.71% APYSep 19, 2026Sep 28, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
60 Month Certificate
$0
3.60% ▲ 0.76% above national avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.76% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
5 Year (60 Month) CD
$0
3.55% ▲ 0.71% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.71% above avg
Details

Daily Balance of $99,999.01 or more; Payment Frequency: Annually

Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 5 Year (60 Month) CD
$0
3.55% ▲ 0.71% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.71% above avg
Details

Balance: $99,999.01 or more; Payment Frequency: Annually

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Sep 28, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
60 Month ROTH IRA Term Certificate
$0
3.55% ▲ 0.71% above national avg
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.71% above avg
Details

All accounts require a minimum balance of $500 to earn APY*

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
60 Month Certificate
$1,000
3.55% ▲ 0.71% above national avg
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 0.71% above avg
Details

Balance: $25,000.00 to $99,999.99

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Sep 28, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
60 Month IRA
$500
3.55% ▲ 0.71% above national avg
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 0.71% above avg
Details

Balance: $25,000.00 to $99,999.99

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 60 Months
$0
3.55% ▲ 0.71% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.71% above avg
Details

Minimum balance $50,000

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
5 Year (60 Month) CD
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.66% above avg
Details

Daily Balance of $500 - $99,999; Payment Frequency: Annually

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Sep 28, 2026
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 5 Year (60 Month) CD
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.66% above avg
Details

Balance: $500 - $99,999; Payment Frequency: Annually

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
60 Month IRA Certificate
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 60 Months
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.66% above avg
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 60 Months
$0
3.35% ▲ 0.51% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.51% above avg
Details

Minimum balance $500

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Sep 28, 2026
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
60 Month CERTIFICATES (Includes IRA Certificates)
$0
3.35% ▲ 0.51% above national avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.51% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Sep 28, 2026
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.82%
60 Month Business Certificate
$0
3.30% ▲ 0.46% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.46% above avg
Details

Balance: $250,000

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 60 Months
$0
3.30% ▲ 0.46% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.46% above avg
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Certificate Accounts
$0
3.25% ▲ 0.41% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.41% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Fixed CD - 60 Months
$0
3.25% ▲ 0.41% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.41% above avg
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.82%
60 Month Business Certificate
$0
3.15% ▲ 0.31% above national avg
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.31% above avg
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 60 Months
$0
3.10% ▲ 0.26% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.26% above avg
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 4 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Certificate Accounts
$0
3.05% ▲ 0.21% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.21% above avg
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 3 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Fixed CD - 60 Months
$0
3.05% ▲ 0.21% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.21% above avg
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 3 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Sep 28, 2026
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.82%
60 Month Business Certificate
$0
3.00% ▲ 0.16% above national avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.16% above avg
Details

Balance: $500

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Certificate
$0
3.00% ▲ 0.16% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.16% above avg
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Bump CD - 60 Months
$0
3.00% ▲ 0.16% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.16% above avg
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Sep 28, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
60 Month Promotional certificate
$500
2.95% ▲ 0.11% above national avg
View
▼
Rate2.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.11% above avg
Details

Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 3 times
2.45%2.95%3.45%Sep 18, 2026: 2.95% APYSep 18, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Certificate Accounts
$0
2.85% ▲ 0.01% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.01% above avg
Details

Balance: $500 - $49,999.99

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 3 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Fixed CD - 60 Months
$0
2.85% ▲ 0.01% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.01% above avg
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 3 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Certificate
$0
2.80% ▼ 0.04% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 0.04% below avg
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 3 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Sep 28, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Bump CD - 60 Months
$0
2.80% ▼ 0.04% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 0.04% below avg
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 4 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Sep 28, 2026
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
60 Month BUMP
$500
2.75% ▼ 0.09% below national avg
View
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 0.09% below avg
Details

Rate History
No change since Sep 22, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 22, 2026: 2.75% APYSep 22, 2026Sep 28, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
60 Month Rewards CD
$500
2.60% ▼ 0.24% below national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 0.24% below avg
Details

.25% (with active Rewards Checking )

Rate History
1 change since Sep 12, 2026 · 2.35% → 2.60% ▲ 0.25 pts · high 2.60% / low 2.35%
1.85%2.48%3.10%Sep 12, 2026: 2.35% APYSep 20, 2026: 2.60% APYSep 12, 2026Sep 28, 2026
  • Sep 20, 20262.60%▲ from 2.35%
  • Sep 12, 20262.35%first recorded
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 Coeur Dalene, Idaho Institutions

Highest verified APYs available today, updated September 27, 2026

B Top 5 Bank Rates
Farmers Bank Buhl, ID
12 Month Accumulator IRA
A+ 5.0 ★ TX: 2.46%
Min: $0
4.06%
Ireland Bank
18-Month CD
A- 5.0 ★ TX: 14.57%
Min: $25,000
4.00%
First FSB of Twin Falls
5 Year Jumbo Certificates of Deposit
A+ 5.0 ★ TX: 0.04%
Min: $0
3.82%
The Bank of Commerce
180 Day Certificates of Deposit
A 5.0 ★ TX: 6.88%
Min: $500
3.75%
Bell Bank
3 Month (91 Day) CD
A 5.0 ★ TX: 8.15%
Min: $0
3.60%
CU Top 5 Credit Union Rates
Gesa Credit Union
IRA CD - 18 Months
A 5.0 ★ TX: 6.57%
Min: $0
4.60%
Members Preferred Credit Union
36 Month Certificate
A+ 5.0 ★ TX: 2.99%
Min: $500
4.32%
America First Federal Credit Union
60 Month Regular CD
A 5.0 ★ TX: 8.33%
Min: $500
4.30%
Mountain America Federal Credit Union
24 Month Certificate
A 5.0 ★ TX: 9.78%
Min: $0
4.25%
Westmark Credit Union
24 Month IRA Term Certificate
A+ 5.0 ★ TX: 3.04%
Min: $0
4.25%
Rates verified September 27, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

Coeur Dalene, ID CD Rate Trends

Compare local Coeur Dalene, ID 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 Idaho CD Trends
12-Month CD ID Avg
2.942%
▼ 0.010 vs 7 days ago

Idaho 12-month CD rates fell 0.010 points over the past 7 days to 2.942% APY.

6-Month CD ID Avg
2.768%
▲ 0.001 vs 7 days ago

Idaho 6-month CD rates rose 0.001 points over the past 7 days to 2.768% APY.

As of Sep 28, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

ID CD Rate Forecast, Next 12 Months

Where are Idaho CD rates headed through September 2027?

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

ID 12-Month Avg APY
2.942%
6-Month Forecast
2.942%
Range: 2.74% – 3.09%
12-Month Forecast
3.192%
Range: 2.99% – 3.34%

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 Idaho average 12-month CD APY in our database.

Spread model: The Idaho 12-month CD average currently trades 1.43% 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 ID CD Rates Today

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

CD Term ID Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.076% $103.80 $207.59 $518.98 $1,037.95
6-Month CD 2.768% $138.39 $276.78 $691.95 $1,383.90
12-Month CD 2.942% $147.08 $294.15 $735.38 $1,470.75
18-Month CD 2.817% $140.84 $281.67 $704.18 $1,408.35
24-Month CD 2.836% $141.82 $283.64 $709.10 $1,418.20
36-Month CD 2.757% $137.86 $275.71 $689.28 $1,378.55
48-Month CD 2.751% $137.54 $275.08 $687.70 $1,375.40
60-Month CD 2.843% $142.17 $284.33 $710.83 $1,421.65
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 27, 2026.

Sample CD Ladder for Coeur Dalene, Idaho Savers

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

Build Your Ladder
Rung Term Deposit ID Avg APY Annual Earnings
1 3-Month CD $5,000 2.076% $103.80
2 6-Month CD $5,000 2.768% $138.39
3 12-Month CD $5,000 2.942% $147.08
4 24-Month CD $5,000 2.836% $141.82
5 36-Month CD $5,000 2.757% $137.86
Total ($25,000 invested) $25,000 2.676% blended $668.95/yr

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

386
CD Rates
Tracked in Coeur Dalene, Idaho
10 Banks 24 Credit Unions

About Our Coeur Dalene, Idaho CD Rate Database

MonitorBankRates tracks 386 CD rates from 10 banks and 24 credit unions with locations in Coeur Dalene, Idaho, plus national online institutions available to Idaho 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: Gesa Credit Union offers a CD at 4.60% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Coeur Dalene, Idaho.

How to Find the Best CD Rates in Coeur Dalene, Idaho

What to compare when shopping for a CD in Coeur Dalene, Idaho

To find the best APYs in Coeur Dalene, Idaho, start with credit unions and online-only banks: Coeur Dalene, Idaho has 24 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Coeur Dalene, Idaho

  • 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 Coeur Dalene, Idaho: 34 institutions here report CD rates

Consider an Alternative If…

Idaho 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+
17.0%
National avg: 17.3%
Median Individual Earnings
$40,170
National avg: $47,340
Poverty Rate
10.6%
National avg: 11.1%
Unemployment Rate
3.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$118/yr
At ID 12-mo avg 2.942% APY

17.0% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.7% reflects a strong local economy. At today’s ID 12-month CD average of 2.942%, saving 10% of the local median salary ($4,017/year) and putting it in a CD would earn an additional $118 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 Coeur Dalene, Idaho

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 Coeur Dalene, Idaho

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 Coeur Dalene, Idaho 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 Coeur Dalene, Idaho as everywhere in the U.S.

Choosing a CD Term in Coeur Dalene, Idaho

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Coeur Dalene, Idaho savers easier access to their funds. For example, Gesa Credit Union is offering its IRA CD - 6 Months at 4.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, America First Federal Credit Union is offering its 60 Month Regular CD at 4.30% 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 Coeur Dalene, Idaho 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 Coeur Dalene, Idaho 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 Coeur Dalene, Idaho

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 Coeur Dalene, Idaho 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 Coeur Dalene, Idaho

Most CDs carry a fixed rate that is locked for the entire term, protecting a Coeur Dalene, Idaho 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 Coeur Dalene, Idaho

Are CD rates in Coeur Dalene, Idaho FDIC insured?

Yes, most established banks in Coeur Dalene, Idaho 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 Coeur Dalene, Idaho?

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 Coeur Dalene, Idaho.

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 Coeur Dalene, Idaho 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 Coeur Dalene, Idaho?

Here are recent top rates found for this area:
  • Gesa Credit Union: 4.60% APY (IRA CD - 18 Months)
  • Members Preferred Credit Union: 4.32% APY (36 Month Certificate)
  • America First Federal Credit Union: 4.30% APY (60 Month Regular CD)
  • Mountain America Federal Credit Union: 4.25% APY (24 Month Certificate)
  • Westmark Credit Union: 4.25% APY (24 Month IRA Term Certificate)
  • Goldenwest Federal Credit Union: 4.20% APY (60 Month Certificate)
  • Idaho Central Credit Union: 4.20% APY (18 Month Promo CD)
  • Potlatch No 1 Financial Credit Union: 4.20% APY (36 Month Share Certificates)
  • Clarity Credit Union: 4.15% APY (1 Year Share Certificates)
  • Horizon Credit Union: 4.12% APY (24 Month Certificate)
Rates reflect recent verified offers available in Coeur Dalene, Idaho. Last Updated: September 27, 2026

Coeur Dalene, Idaho 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 Coeur Dalene, Idaho 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 Coeur Dalene, Idaho CD Rates by Term

Verified September 27, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Coeur Dalene, Idaho. Averages shown use the Idaho state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Coeur Dalene, Idaho

Coeur Dalene, Idaho CD Calculator

At today’s ID top rate of 4.60% APY, a $10,000 deposit earns $460 in the first year. Enter your amount to see your exact return.

Coeur Dalene, Idaho CD Ladder

ID CD rates currently range from 2.076% (3-month) to 2.757% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Coeur Dalene, Idaho CD at 4.60% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Idaho’s average 12-month CD is 2.942% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Coeur Dalene, Idaho 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 Coeur Dalene, Idaho 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 Coeur Dalene, Idaho. 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 ID.

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 27, 2026

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