MonitorBankRates
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
CD Rate Trends

Indiana Best CD Rates September 2026

Current Indiana CD rates include Fort Financial Federal Credit UnionFort Financial Federal Credit Union8815 Lima Rd, Fort Wayne, IN 46818 1856A+5.0 ★Texas Ratio: 1.64%Real return: +1.70%APY minus CPI (February 2026) offering 12-Month IRA Certificate at 4.50% APY, Indiana University Credit UnionIndiana University Credit Union105 E Winslow Rd, Bloomington, IN 47401A+5.0 ★Texas Ratio: 4.24%Real return: +1.70%APY minus CPI (February 2026) offering 6-month paid monthly at 4.50% APY, United Fidelity BankUnited Fidelity Bank18 Nw 4th St, Evansville, IN 47708A+5.0 ★Texas Ratio: 2.56%Real return: +1.60%APY minus CPI (February 2026) offering 12-Month CD at 4.40% APY, Chicago Patrolmens Federal Credit UnionChicago Patrolmens Federal Credit Union8585 Broadway # 742, Merrillville, IN 46410A+5.0 ★Texas Ratio: 3.62%Real return: +1.54%APY minus CPI (February 2026) offering 24-Month IRA at 4.34% APY, and Elements Financial Federal Credit UnionElements Financial Federal Credit Union639 S Delaware St, Indianapolis, IN 46225A+5.0 ★Texas Ratio: 1.88%Real return: +1.45%APY minus CPI (February 2026) offering 18 Month Term at 4.25% APY. CD rates as of September 9, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Indiana side-by-side. Indiana CD rates currently reach as high as 4.50% APY from Fort Financial Federal Credit Union at 8815 Lima Rd, Fort Wayne, IN 46818 1856. 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 9, 2026

Compare Best CD Rates in Indiana

Indiana 3 Month CD Rates

MonitorBankRates National Average · 3 Month CD1.99% APY▲ 0.01% from last week

The national average 3-month CD rate is 1.99% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
301 E 9th St, Rochester, IN 46975
3 Month
$500
3.76% ▲ 1.77% above national avg
Rate3.70%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.77% above avg
Details

Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
1111 S Adams St, Bluffton, IN 46714 9772
Certificates 3 Months
$0
3.65% ▲ 1.66% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.66% above avg
Details

Community First Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 13.92%
201 W Sycamore St, Kokomo, IN 46901
3 months CD
$0
3.60% ▲ 1.61% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 6, 2026
National Average1.99%▲ 1.61% above avg
Details

Minimum balance to open account and obtain APY is $1,000. Early withdrawal may be subject to penalty. Fees may reduce earnings on the account.

Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
3 Month Certificate
$0
3.55% ▲ 1.56% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.56% above avg
Details

American Community Bank of Indiana
Institution Rating:
B-4.3 ★Texas Ratio: 22.89%
7880 Wicker Ave, Saint John, IN 46373
3 Month Certificate of Deposit
$0
3.55% ▲ 1.56% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 7, 2026
National Average1.99%▲ 1.56% above avg
Details

New Money Only

American Community Bank of Indiana
Institution Rating:
B-4.3 ★Texas Ratio: 22.89%
7880 Wicker Ave, Saint John, IN 46373
SPECIAL: 3 Month Certificate of Deposit
$0
3.55% ▲ 1.56% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 7, 2026
National Average1.99%▲ 1.56% above avg
Details

New Money Only

Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
410 Monon Blvd, Carmel, IN 46032
3 Month CD
$1,000
3.50% ▲ 1.51% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.51% above avg
Details

Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
117 E Joliet St, Crown Point, IN 46307
3-Month CD
$1,000
3.40% ▲ 1.41% above national avg
Rate3.34%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.41% above avg
Details

Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
222 S Cavin St, Ligonier, IN 46767
3-month Companion CD
$1,000
3.40% ▲ 1.41% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.41% above avg
Details

Other rates and terms are available.

Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
5908 E Main Street, Friendship, IN 47021
3 Month CD
$500
3.30% ▲ 1.31% above national avg
Rate3.25%
Min Deposit$500
Min Balance
Verified and UpdatedSep 6, 2026
National Average1.99%▲ 1.31% above avg
Details

Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
3 Month Certificate
$0
3.29% ▲ 1.30% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.30% above avg
Details

First Community State Bank Avilla, IN
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
802 E Albion St, Avilla, IN 46710
3 Month Certificate
$0
3.25% ▲ 1.26% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 7, 2026
National Average1.99%▲ 1.26% above avg
Details

Penalty: 1% Prin., No Penalty After 30 Days

First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
8701 E 116th St, Fishers, IN 46038
3-month CD
$0
3.14% ▲ 1.15% above national avg
Rate3.10%
Min Deposit$0
Min Balance
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.15% above avg
Details

Early Withdrawal Penalties: 90 days interest

First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
8701 E 116th St, Fishers, IN 46038
Business 3-month CD
$0
3.14% ▲ 1.15% above national avg
Rate3.10%
Min Deposit$0
Min Balance
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.15% above avg
Details

Early Withdrawal Penalties: 90 days interest

Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3064 Ohio St, Michigan City, IN 46360 6866
3 Mo. Certificate
$0
3.04% ▲ 1.05% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.05% above avg
Details

Three Rivers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
1605 Northland Blvd, Fort Wayne, IN 46825
3 Month
$0
2.00% ▲ 0.01% above national avg
Rate1.98%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.01% above avg
Details

VARIABLE RATE ACCOUT: rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & Fee Disclosure Statement for further information about fees potentially related to these accounts. APY: Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days' dividends; 12-36 months = the equivalent of 180 days' dividends; over 36 months = the equivalent of 365 days' dividends; Any Purpose Savings = the equivalent of 90 days' dividends. If funds are withdrawn before the maturity date, an early withdrawal penalty is applicable and may include principal.

ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1710 Saint Joe River Dr, Fort Wayne, IN 46805 1436
3 Month Certificate
$500
2.00% ▲ 0.01% above national avg
Rate1.98%
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average1.99%▲ 0.01% above avg
Details

Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
100 Sycamore Estates Dr, Aurora, IN 47001
3 Month CD
$500
2.00% ▲ 0.01% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 0.01% above avg
Details

Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.

Indiana Heartland Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.84%
402 S Berkley Rd, kokomo, IN 46901
3 Month Certificate
$500
1.75% ▼ 0.24% below national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average1.99%▼ 0.24% below avg
Details

Financial Builders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
2828 S Lafountain St, Kokomo, IN 46902 3706
3 Month Certificate
$0
1.63% ▼ 0.36% below national avg
Rate1.62%
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average1.99%▼ 0.36% below avg
Details

Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1520 Union St, Lafayette, IN 47904 2156
3 Months
$10,000
1.56% ▼ 0.43% below national avg
Rate1.55%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average1.99%▼ 0.43% below avg
Details

SOLIDARITY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
201 E Southway Blvd, Kokomo, IN 46902 3677
3 Month
$0
1.55% ▼ 0.44% below national avg
Rate1.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average1.99%▼ 0.44% below avg
Details

Perfect Circle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
631 E Main St, Hagerstown, IN 47346
3 Month CD
$1,000
1.51% ▼ 0.48% below national avg
Rate1.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 3, 2026
National Average1.99%▼ 0.48% below avg
Details

Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.45%
5411 Dr Martin Luther King Jr Blvd, Anderson, IN 46013
3 Month Certificate
$0
1.30% ▼ 0.69% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average1.99%▼ 0.69% below avg
Details

Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1520 Union St, Lafayette, IN 47904 2156
3 Months
$10,000
1.26% ▼ 0.73% below national avg
Rate1.25%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average1.99%▼ 0.73% below avg
Details

Evansville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
6209 Vogel Rd, Evansville, IN 47715
3 month
$1,000
1.26% ▼ 0.73% below national avg
Rate1.25%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average1.99%▼ 0.73% below avg
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
4840 N Main St, Mishawaka, IN 46545
3 Months
$0
1.25% ▼ 0.74% below national avg
Rate1.24%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 0.74% below avg
Details

A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.

Natco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
582 S ROUND BARN RD, RICHMOND, IN 47374 4435
3 month certificate
$0
1.00% ▼ 0.99% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average1.99%▼ 0.99% below avg
Details

CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
3 MONTH IRA
$500
1.00% ▼ 0.99% below national avg
Rate0.99%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average1.99%▼ 0.99% below avg
Details

Bank of Wolcott
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
105 N Range St, Wolcott, IN 47995
3 Month CD
$5,000
1.00% ▼ 0.99% below national avg
Rate1.00%
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 5, 2026
National Average1.99%▼ 0.99% below avg
Details

Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
1430 N National Rd, Columbus, IN 47201 5577
3 Month Certificate
$100,000
0.90% ▼ 1.09% below national avg
Rate0.90%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 3, 2026
National Average1.99%▼ 1.09% below avg
Details

Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
1430 N National Rd, Columbus, IN 47201 5577
3 Month Certificate
$500
0.85% ▼ 1.14% below national avg
Rate0.85%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average1.99%▼ 1.14% below avg
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
8815 Lima Rd, Fort Wayne, IN 46818 1856
90-Day Certificate
$0
0.80% ▼ 1.19% below national avg
Rate0.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 1.19% below avg
Details

Non-premier member APY: 0.55% | Dividend Rate: 0.55%

Public Service #3 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
7017 Old Trail Rd, Fort Wayne, IN 46809 2713
Share Certificates of Deposit 3 months
$1,000
0.60% ▼ 1.39% below national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 3, 2026
National Average1.99%▼ 1.39% below avg
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
8815 Lima Rd, Fort Wayne, IN 46818 1856
90-Day Certificate
$0
0.55% ▼ 1.44% below national avg
Rate0.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 1.44% below avg
Details

Premier Member APY: 0.80% | Dividend Rate: 0.80%

Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
510 S Buckeye St, Osgood, IN 47037
3 Month CD
$500
0.50% ▼ 1.49% below national avg
Rate0.50%
Min Deposit$500
Min Balance
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 1.49% below avg
Details

Security FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
314 4th St, Logansport, IN 46947
3 Month Certificate
$500
0.41% ▼ 1.58% below national avg
Rate0.41%
Min Deposit$500
Min Balance
Verified and UpdatedSep 6, 2026
National Average1.99%▼ 1.58% below avg
Details

Interra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
300 W Lincoln Ave, Goshen, IN 46526
3 Month IRA Certificate
$500
0.40% ▼ 1.59% below national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average1.99%▼ 1.59% below avg
Details

FCN Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
501 Main St, Brookville, IN 47012
3 Month CD
$0
0.15% ▼ 1.84% below national avg
Rate0.15%
Min Deposit$0
Min Balance
Verified and UpdatedSep 5, 2026
National Average1.99%▼ 1.84% below avg
Details

Advance Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
31 W US Highway 30, Schererville, IN 46375 2108
3 Month Certificate
$500
0.10% ▼ 1.89% below national avg
Rate0.10%
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average1.99%▼ 1.89% below avg
Details

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
6210 W Jefferson Blvd, Fort Wayne, IN 46804 3073
3 months
$0
0.10% ▼ 1.89% below national avg
Rate0.10%
Min Deposit$0
Min Balance
Verified and UpdatedSep 5, 2026
National Average1.99%▼ 1.89% below avg
Details

Indiana 6 Month CD Rates

MonitorBankRates National Average · 6 Month CD2.67% APY▼ 0.01% from last week

The national average 6-month CD rate is 2.67% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
105 E Winslow Rd, Bloomington, IN 47401
6-month paid monthly
$0
4.50% ▲ 1.83% above national avg
Rate4.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.83% above avg
Details

Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
105 E Winslow Rd, Bloomington, IN 47401
Business 6-month paid monthly
$0
4.50% ▲ 1.83% above national avg
Rate4.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.83% above avg
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18 Nw 4th St, Evansville, IN 47708
6-Month CD
$1,000
4.35% ▲ 1.68% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.68% above avg
Details

Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1130 S Main St, South Bend, IN 46601 3338
6 Month Certificate
$500
4.10% ▲ 1.43% above national avg
Rate4.04%
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 1.43% above avg
Details

Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
312 N 4TH AVE, EVANSVILLE, IN 47710
6-Month IRA
$500
4.00% ▲ 1.33% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details

Financial Health Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
777 INDIANA AVE, Indianapolis, IN 46202 3101
6-Month CD
$500
4.00% ▲ 1.33% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.33% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
CD - Certificates of Deposit 6 Month
$0
3.90% ▲ 1.23% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.23% above avg
Details

Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
2259 E 116th St, Carmel, IN 46032 3279
6 Month Certificate
$0
3.85% ▲ 1.18% above national avg
Rate3.77%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.18% above avg
Details

Encompass Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
201 N Main St, Tipton, IN 46072
6 Month Certificate
$0
3.82% ▲ 1.15% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.15% above avg
Details

Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
6 Month Certificate
$0
3.80% ▲ 1.13% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.13% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
6 Month Certificate
$1,000
3.80% ▲ 1.13% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.13% above avg
Details

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

First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
8701 E 116th St, Fishers, IN 46038
6-month CD
$0
3.76% ▲ 1.09% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.09% above avg
Details

Early Withdrawal Penalties: 180 days interest

First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
8701 E 116th St, Fishers, IN 46038
Business 6-month CD
$0
3.76% ▲ 1.09% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.09% above avg
Details

Early Withdrawal Penalties: 180 days interest

Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
639 S Delaware St, Indianapolis, IN 46225
6 Month Term
$0
3.75% ▲ 1.08% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 1.08% above avg
Details

Indiana Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
322 S Detroit St, Warsaw, IN 46580 4401
6 Month Certificate
$500
3.75% ▲ 1.08% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 1.08% above avg
Details

Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
510 S Buckeye St, Osgood, IN 47037
6 Month CD
$500
3.75% ▲ 1.08% above national avg
Rate3.68%
Min Deposit$500
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.08% above avg
Details

Fire Police City County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
3306 N CLINTON ST, FORT WAYNE, IN 46805
6 Month Certificate
$0
3.70% ▲ 1.03% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 1.03% above avg
Details

Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
119 N Main St, Monticello, IN 47960
6-MONTH CD
$500
3.70% ▲ 1.03% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.03% above avg
Details

New Money required. Offer subject to change or cancellation at any time without notice. Limited time offer.

Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3064 Ohio St, Michigan City, IN 46360 6866
6 Mo. Certificate
$0
3.66% ▲ 0.99% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.99% above avg
Details

First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
301 E 9th St, Rochester, IN 46975
6 Month
$500
3.65% ▲ 0.98% above national avg
Rate3.60%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details

Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
1111 S Adams St, Bluffton, IN 46714 9772
Certificates 6 Months
$0
3.65% ▲ 0.98% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
6 Month Certificate
$200
3.60% ▲ 0.93% above national avg
Rate3.54%
Min Deposit$200
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
Business Step Up Certificates 6 Month
$1,000
3.60% ▲ 0.93% above national avg
Rate3.54%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details

CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
6 Month Certificate
$500
3.60% ▲ 0.93% above national avg
Rate3.54%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.93% above avg
Details

CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
6 MONTH IRA
$500
3.60% ▲ 0.93% above national avg
Rate3.54%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.93% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
CD - Certificates of Deposit 6 Month
$0
3.60% ▲ 0.93% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.93% above avg
Details

Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
6 Month Certificate
$0
3.55% ▲ 0.88% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.88% above avg
Details

Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1405 N Main St, Huntingburg, IN 47542
92-180 day
$0
3.55% ▲ 0.88% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.88% above avg
Details

Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
222 S Cavin St, Ligonier, IN 46767
6-month Companion CD
$1,000
3.55% ▲ 0.88% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.88% above avg
Details

Other rates and terms are available.

Diamond Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
840 E Diamond Ave, Evansville, IN 47711 3420
6 Month Certificate
$2,500
3.53% ▲ 0.86% above national avg
Rate3.50%
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.86% above avg
Details

Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
5908 E Main Street, Friendship, IN 47021
6 Month Fixed Rate CD
$0
3.51% ▲ 0.84% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.84% above avg
Details

Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
410 Monon Blvd, Carmel, IN 46032
6 Month CD
$1,000
3.50% ▲ 0.83% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details

PrimeTrust Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
3700 W Bethel Ave, Muncie, IN 47304
6 Month
$1,000
3.50% ▲ 0.83% above national avg
Rate3.45%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details

No rate bump available

Three Rivers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
1605 Northland Blvd, Fort Wayne, IN 46825
6 Month
$0
3.50% ▲ 0.83% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details

VARIABLE RATE ACCOUT: rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & Fee Disclosure Statement for further information about fees potentially related to these accounts. APY: Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days' dividends; 12-36 months = the equivalent of 180 days' dividends; over 36 months = the equivalent of 365 days' dividends; Any Purpose Savings = the equivalent of 90 days' dividends. If funds are withdrawn before the maturity date, an early withdrawal penalty is applicable and may include principal.

PrimeTrust Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
3700 W Bethel Ave, Muncie, IN 47304
Business 6 Month
$0
3.50% ▲ 0.83% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details

No rate bump available

First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
7048 Kennedy Ave, Hammond, IN 46323
6 Month Certificate
$1,000
3.50% ▲ 0.83% above national avg
Rate3.45%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.83% above avg
Details

Quarterly compounding. IRA funds permitted. No business funds permitted.

First State Bank of Porter
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
230 Lincoln St, Porter, IN 46304
Traditional CD - 6 Month
$0
3.44% ▲ 0.77% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.77% above avg
Details

Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
5908 E Main Street, Friendship, IN 47021
6 Month CD
$500
3.41% ▲ 0.74% above national avg
Rate3.35%
Min Deposit$500
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.74% above avg
Details

Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
117 E Joliet St, Crown Point, IN 46307
6-Month CD
$1,000
3.40% ▲ 0.73% above national avg
Rate3.34%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details

First State Bank of Porter
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
230 Lincoln St, Porter, IN 46304
Traditional CD - 6 Month
$0
3.34% ▲ 0.67% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.67% above avg
Details

Western Indiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
949 W State Road 154, Sullivan, IN 47882 7115
6-Month Certificate
$0
3.28% ▲ 0.61% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.61% above avg
Details

Logansport Savings Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.53%
723 E Broadway, Logansport, IN 46947
6 Months
$0
3.25% ▲ 0.58% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.58% above avg
Details

APY range: 3.25% - 3.28%

Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1110 N Main St, Goshen, IN 46528
6 month
$0
3.20% ▲ 0.53% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.53% above avg
Details

Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
1110 N Main St, Goshen, IN 46528 2638
6 Month Certificate
$0
3.20% ▲ 0.53% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.53% above avg
Details

Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1110 N Main St, Goshen, IN 46528
6 month
$0
3.15% ▲ 0.48% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.48% above avg
Details

Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
1110 N Main St, Goshen, IN 46528 2638
6 Month Certificate
$0
3.15% ▲ 0.48% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.48% above avg
Details

Afena Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
1312 W 44th St, Marion, IN 46953 5293
6-Month Share Certificate
$0
3.05% ▲ 0.38% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.38% above avg
Details

As Low As; Renewals Only

First Community State Bank Avilla, IN
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
802 E Albion St, Avilla, IN 46710
6 Month Certificate
$0
3.05% ▲ 0.38% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.38% above avg
Details

Penalty: 1% Prin., No Penalty After 45 Days

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
2917 E 10th St, Jeffersonville, IN 47130 6916
6 Month Certificate
$0
3.02% ▲ 0.35% above national avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.35% above avg
Details

Financial Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
22440 Main St, Woodburn, IN 46797
6 Month Certificate
$0
3.00% ▲ 0.33% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.33% above avg
Details

Indiana 12 Month CD Rates

MonitorBankRates National Average · 12 Month CD2.84% APY▼ 0.01% from last week

The national average 12-month CD rate is 2.84% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
8815 Lima Rd, Fort Wayne, IN 46818 1856
12-Month IRA Certificate
$0
4.50% ▲ 1.66% above national avg
Rate4.41%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.66% above avg
Details

Non-premier member APY: 4.25% | Dividend Rate: 4.17%

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18 Nw 4th St, Evansville, IN 47708
12-Month CD
$1,000
4.40% ▲ 1.56% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.56% above avg
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
8815 Lima Rd, Fort Wayne, IN 46818 1856
12-Month IRA Certificate
$0
4.25% ▲ 1.41% above national avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.41% above avg
Details

Premier Member APY: 4.50% | Dividend Rate: 4.41%

Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
8585 Broadway # 742, Merrillville, IN 46410
12-Month IRA
$0
4.08% ▲ 1.24% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.24% above avg
Details

Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
312 N 4TH AVE, EVANSVILLE, IN 47710
1-Year CD
$500
4.05% ▲ 1.21% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.21% above avg
Details

Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
312 N 4TH AVE, EVANSVILLE, IN 47710
1-Year IRA
$500
4.05% ▲ 1.21% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.21% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
Business Step Up Certificates 1 Year
$1,000
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.16% above avg
Details

PrimeTrust Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
3700 W Bethel Ave, Muncie, IN 47304
1 Year
$1,000
4.00% ▲ 1.16% above national avg
Rate3.92%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.16% above avg
Details

No rate bump available

PrimeTrust Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
3700 W Bethel Ave, Muncie, IN 47304
Business 1 Year
$0
4.00% ▲ 1.16% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.16% above avg
Details

No rate bump available

Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
2259 E 116th St, Carmel, IN 46032 3279
12 Month Certificate
$0
4.00% ▲ 1.16% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.16% above avg
Details

CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
12 Month Certificate
$500
4.00% ▲ 1.16% above national avg
Rate3.92%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.16% above avg
Details

CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
12 MONTH IRA
$500
4.00% ▲ 1.16% above national avg
Rate3.92%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.16% above avg
Details

Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1130 S Main St, South Bend, IN 46601 3338
12 months (1 year)
$500
4.00% ▲ 1.16% above national avg
Rate3.94%
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.16% above avg
Details

Fire Police City County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
3306 N CLINTON ST, FORT WAYNE, IN 46805
12 Month Certificate
$0
4.00% ▲ 1.16% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.16% above avg
Details

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
6210 W Jefferson Blvd, Fort Wayne, IN 46804 3073
12 months
$0
4.00% ▲ 1.16% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.16% above avg
Details

Diamond Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
840 E Diamond Ave, Evansville, IN 47711 3420
1 Year Certificate
$500
3.95% ▲ 1.11% above national avg
Rate3.88%
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.11% above avg
Details

South Bend Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1122 S MAIN ST, SOUTH BEND, IN 46601 3338
12 Month Certificate
$1,000
3.87% ▲ 1.03% above national avg
Rate3.80%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.03% above avg
Details

Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1520 Union St, Lafayette, IN 47904 2156
Savers Certificate - 12 Months
$50
3.87% ▲ 1.03% above national avg
Rate
Min Deposit$50
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.03% above avg
Details

Rate: T-Bill + 0.00%

ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1710 Saint Joe River Dr, Fort Wayne, IN 46805 1436
12 Month Certificate
$500
3.85% ▲ 1.01% above national avg
Rate3.78%
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.01% above avg
Details

ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1710 Saint Joe River Dr, Fort Wayne, IN 46805 1436
12 Months
$1,000
3.85% ▲ 1.01% above national avg
Rate3.80%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.01% above avg
Details

First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
7048 Kennedy Ave, Hammond, IN 46323
12 Month Certificate
$1,000
3.85% ▲ 1.01% above national avg
Rate3.79%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.84%▲ 1.01% above avg
Details

Quarterly compounding. IRA funds permitted. No business funds permitted.

Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
12 Month Certificate
$0
3.80% ▲ 0.96% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.96% above avg
Details

PROFINANCE
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
334 W 84th Dr, Merrillville, IN 46410
CD Special 12 Month
$5,000
3.80% ▲ 0.96% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.96% above avg
Details

NEW MONEY ONLY

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
2917 E 10th St, Jeffersonville, IN 47130 6916
12 Month Certificate
$0
3.80% ▲ 0.96% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.96% above avg
Details

Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
119 N Main St, Monticello, IN 47960
12-MONTH CD
$500
3.80% ▲ 0.96% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.96% above avg
Details

New Money required. Offer subject to change or cancellation at any time without notice. Limited time offer.

FCN Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
501 Main St, Brookville, IN 47012
12 Month CD
$0
3.79% ▲ 0.95% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 0.95% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
12 Month Certificate
$200
3.75% ▲ 0.91% above national avg
Rate3.69%
Min Deposit$200
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.91% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
IRA Step Up Certificates 12 Month
$200
3.75% ▲ 0.91% above national avg
Rate3.69%
Min Deposit$200
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.91% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
Step Up Certificate 12 Month
$200
3.75% ▲ 0.91% above national avg
Rate3.69%
Min Deposit$200
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.91% above avg
Details

Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
117 E Joliet St, Crown Point, IN 46307
12-Month CD
$1,000
3.75% ▲ 0.91% above national avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.91% above avg
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
8815 Lima Rd, Fort Wayne, IN 46818 1856
12-Month Certificate
$0
3.75% ▲ 0.91% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.91% above avg
Details

Non-premier member APY: 3.50% | Dividend Rate: 3.44%

Community State Bank Brook, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
244 W Main St, Brook, IN 47922
Special 12 Month CD
$0
3.75% ▲ 0.91% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 0.91% above avg
Details

Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
510 S Buckeye St, Osgood, IN 47037
12 Month CD
$500
3.75% ▲ 0.91% above national avg
Rate3.68%
Min Deposit$500
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.91% above avg
Details

First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
5001 Davis Lant Dr, Evansville, IN 47715
1 Year CD
$500
3.73% ▲ 0.89% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.89% above avg
Details

Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3064 Ohio St, Michigan City, IN 46360 6866
12 Mo. Certificate
$0
3.71% ▲ 0.87% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.87% above avg
Details

Fire Police City County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
3306 N CLINTON ST, FORT WAYNE, IN 46805
12 Month Certificate
$0
3.70% ▲ 0.86% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.86% above avg
Details

First State Bank of Porter
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
230 Lincoln St, Porter, IN 46304
Traditional CD - 1 Year - Tier 2
$0
3.70% ▲ 0.86% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 0.86% above avg
Details

First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
8701 E 116th St, Fishers, IN 46038
12-month CD
$0
3.67% ▲ 0.83% above national avg
Rate3.61%
Min Deposit$0
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.83% above avg
Details

Early Withdrawal Penalties: 180 days interest

First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
8701 E 116th St, Fishers, IN 46038
Business 12-month CD
$0
3.67% ▲ 0.83% above national avg
Rate3.61%
Min Deposit$0
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.83% above avg
Details

Early Withdrawal Penalties: 180 days interest

Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
1111 S Adams St, Bluffton, IN 46714 9772
Certificates 12 Months
$0
3.65% ▲ 0.81% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.81% above avg
Details

First State Bank of Porter
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
230 Lincoln St, Porter, IN 46304
Traditional CD - 1 Year - Tier 1
$0
3.60% ▲ 0.76% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 0.76% above avg
Details

Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
5908 E Main Street, Friendship, IN 47021
12 Month Fixed Rate CD
$0
3.56% ▲ 0.72% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.84%▲ 0.72% above avg
Details

First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
301 E 9th St, Rochester, IN 46975
12 Month
$500
3.55% ▲ 0.71% above national avg
Rate3.50%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.71% above avg
Details

Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
12 Month Certificate
$0
3.55% ▲ 0.71% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.71% above avg
Details

Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1405 N Main St, Huntingburg, IN 47542
1 Year Certificate
$0
3.55% ▲ 0.71% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.84%▲ 0.71% above avg
Details

Western Indiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
949 W State Road 154, Sullivan, IN 47882 7115
12-Month Certificate
$0
3.53% ▲ 0.69% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.69% above avg
Details

Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
102 N Jefferson St, Ossian, IN 46777
12 Month Fixed IRA
$0
3.50% ▲ 0.66% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.66% above avg
Details

Three Rivers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
1605 Northland Blvd, Fort Wayne, IN 46825
12 Month
$0
3.50% ▲ 0.66% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.66% above avg
Details

VARIABLE RATE ACCOUT: rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & Fee Disclosure Statement for further information about fees potentially related to these accounts. APY: Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days' dividends; 12-36 months = the equivalent of 180 days' dividends; over 36 months = the equivalent of 365 days' dividends; Any Purpose Savings = the equivalent of 90 days' dividends. If funds are withdrawn before the maturity date, an early withdrawal penalty is applicable and may include principal.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
8815 Lima Rd, Fort Wayne, IN 46818 1856
12-Month Business Certificate
$0
3.50% ▲ 0.66% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.66% above avg
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
8815 Lima Rd, Fort Wayne, IN 46818 1856
12-Month Certificate
$0
3.50% ▲ 0.66% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.66% above avg
Details

Premier Member APY: 3.75% | Dividend Rate: 3.69%

Indiana 18 Month CD Rates

MonitorBankRates National Average · 18 Month CD2.67% APY▼ 0.03% from last week

The national average 18-month CD rate is 2.67% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18 Nw 4th St, Evansville, IN 47708
18-Month CD
$1,000
4.40% ▲ 1.73% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.73% above avg
Details

Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
639 S Delaware St, Indianapolis, IN 46225
18 Month Term
$0
4.25% ▲ 1.58% above national avg
Rate4.11%
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 1.58% above avg
Details

Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
639 S Delaware St, Indianapolis, IN 46225
18 Month Term IRA
$0
4.24% ▲ 1.57% above national avg
Rate4.11%
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 1.57% above avg
Details

Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
2259 E 116th St, Carmel, IN 46032 3279
18 Month Certificate
$0
4.15% ▲ 1.48% above national avg
Rate4.06%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.48% above avg
Details

Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
312 N 4TH AVE, EVANSVILLE, IN 47710
18 Mo CD Jumbo
$0
4.10% ▲ 1.43% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.43% above avg
Details

First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
7048 Kennedy Ave, Hammond, IN 46323
18 Month Variable Rate Certificate
$1,000
4.04% ▲ 1.37% above national avg
Rate3.98%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 1.37% above avg
Details

Rate changes quarterly-Quarterly compounding-$100.00 minimum additions permitted-IRA fund also permitted

CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
18 Month Certificate
$500
4.00% ▲ 1.33% above national avg
Rate3.92%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.33% above avg
Details

CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
18 MONTH IRA
$500
4.00% ▲ 1.33% above national avg
Rate3.92%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.33% above avg
Details

Citizens Bank Mooresville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
33 N Indiana St, Mooresville, IN 46158
IRA -- 18 Months
$50
3.92% ▲ 1.25% above national avg
Rate3.85%
Min Deposit$50
Min Balance
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.25% above avg
Details

Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
312 N 4TH AVE, EVANSVILLE, IN 47710
18 Mo CD
$500
3.85% ▲ 1.18% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
18 Month Certificate
$200
3.75% ▲ 1.08% above national avg
Rate3.69%
Min Deposit$200
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
IRA Step Up Certificates 18 Month
$200
3.75% ▲ 1.08% above national avg
Rate3.69%
Min Deposit$200
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
Step Up Certificate 18 Month
$200
3.75% ▲ 1.08% above national avg
Rate3.69%
Min Deposit$200
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details

Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3064 Ohio St, Michigan City, IN 46360 6866
18 Mo. Certificate
$0
3.71% ▲ 1.04% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.04% above avg
Details

Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
1111 S Adams St, Bluffton, IN 46714 9772
Certificates 18 Months
$0
3.65% ▲ 0.98% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details

Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
18 Month Certificate
$0
3.55% ▲ 0.88% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.88% above avg
Details

First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
5001 Davis Lant Dr, Evansville, IN 47715
18 Month CD
$500
3.51% ▲ 0.84% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.84% above avg
Details

Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
102 N Jefferson St, Ossian, IN 46777
18-Month CD Special
$1,000
3.50% ▲ 0.83% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
8815 Lima Rd, Fort Wayne, IN 46818 1856
18-Month IRA Certificate
$0
3.50% ▲ 0.83% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details

Non-premier member APY: 3.25% | Dividend Rate: 3.20%

Indiana Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
322 S Detroit St, Warsaw, IN 46580 4401
18 Month Certificate
$500
3.50% ▲ 0.83% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.83% above avg
Details

First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
301 E 9th St, Rochester, IN 46975
18 Month Flexible
$500
3.44% ▲ 0.77% above national avg
Rate3.40%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.77% above avg
Details

First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
8701 E 116th St, Fishers, IN 46038
18-month CD
$0
3.38% ▲ 0.71% above national avg
Rate3.33%
Min Deposit$0
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.71% above avg
Details

Early Withdrawal Penalties: 180 days interest

First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
8701 E 116th St, Fishers, IN 46038
Business 18-month CD
$0
3.38% ▲ 0.71% above national avg
Rate3.33%
Min Deposit$0
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.71% above avg
Details

Early Withdrawal Penalties: 180 days interest

Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
18 Month Certificate
$0
3.29% ▲ 0.62% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.62% above avg
Details

Wayne Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
500 S A St, Richmond, IN 47374
18 month certificate
$1,000
3.28% ▲ 0.61% above national avg
Rate3.25%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.61% above avg
Details

Wayne Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
500 S A St, Richmond, IN 47374
18 Month IRA
$100
3.28% ▲ 0.61% above national avg
Rate3.25%
Min Deposit$100
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.61% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
Business Step Up Certificates 18 Month
$1,000
3.25% ▲ 0.58% above national avg
Rate3.20%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details

Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
120 W King St, Garrett, IN 46738
18 Month - Special
$1,000
3.25% ▲ 0.58% above national avg
Rate3.20%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details

(a,b)

La Porte Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
1800 E Lincolnway, La Porte, IN 46350
18 Month Term
$0
3.25% ▲ 0.58% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
8815 Lima Rd, Fort Wayne, IN 46818 1856
18-Month Certificate
$0
3.25% ▲ 0.58% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details

Non-premier member APY: 3.00% | Dividend Rate: 2.96%

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
8815 Lima Rd, Fort Wayne, IN 46818 1856
18-Month IRA Certificate
$0
3.25% ▲ 0.58% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details

Premier Member APY: 3.50% | Dividend Rate: 3.44%

L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1450 VETERANS PKWY STE 100, JEFFERSONVILLE, IN 47130
18 Month Certificate
$1,000
3.25% ▲ 0.58% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.58% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
18 Month Certificate
$1,000
3.25% ▲ 0.58% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.58% above avg
Details

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

Evansville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
6209 Vogel Rd, Evansville, IN 47715
18 month
$1,000
3.25% ▲ 0.58% above national avg
Rate3.20%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.58% above avg
Details

Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
510 S Buckeye St, Osgood, IN 47037
18 Month Special
$500
3.10% ▲ 0.43% above national avg
Rate3.05%
Min Deposit$500
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.43% above avg
Details

Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1130 S Main St, South Bend, IN 46601 3338
18 Month Certificate
$0
3.09% ▲ 0.42% above national avg
Rate3.05%
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.42% above avg
Details

EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1001 Chestnut Hills Pkwy, Fort Wayne, IN 46814 7900
18 Month Certificate
$15,000
3.05% ▲ 0.38% above national avg
Rate3.01%
Min Deposit$15,000
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.38% above avg
Details

Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1130 S Main St, South Bend, IN 46601 3338
18 Month Certificate
$500
3.03% ▲ 0.36% above national avg
Rate3.00%
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.36% above avg
Details

Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
117 E Joliet St, Crown Point, IN 46307
18 Month CD
$0
3.00% ▲ 0.33% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details

Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
117 E Joliet St, Crown Point, IN 46307
18-Month CD
$1,000
3.00% ▲ 0.33% above national avg
Rate2.96%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
8815 Lima Rd, Fort Wayne, IN 46818 1856
18-Month Business Certificate
$0
3.00% ▲ 0.33% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
8815 Lima Rd, Fort Wayne, IN 46818 1856
18-Month Certificate
$0
3.00% ▲ 0.33% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details

Premier Member APY: 3.25% | Dividend Rate: 3.20%

Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
4100 Technology Ave, New Albany, IN 47150 8548
18 month IRA Certificate
$0
3.00% ▲ 0.33% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details

Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
4100 Technology Ave, New Albany, IN 47150 8548
Traditional 18-Month Term
$500
3.00% ▲ 0.33% above national avg
Rate2.96%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details

EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1001 Chestnut Hills Pkwy, Fort Wayne, IN 46814 7900
18 Month Certificate
$1,000
3.00% ▲ 0.33% above national avg
Rate2.96%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.33% above avg
Details

EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1001 Chestnut Hills Pkwy, Fort Wayne, IN 46814 7900
IRA Certificate 18 Month Certificate
$1,000
3.00% ▲ 0.33% above national avg
Rate2.96%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.33% above avg
Details

Indiana Heartland Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.84%
402 S Berkley Rd, kokomo, IN 46901
18 Month Certificate
$500
2.79% ▲ 0.12% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.12% above avg
Details

Encompass Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
201 N Main St, Tipton, IN 46072
18 Month Certificate
$0
2.78% ▲ 0.11% above national avg
Rate2.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.11% above avg
Details

ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1710 Saint Joe River Dr, Fort Wayne, IN 46805 1436
18 Month Certificate
$500
2.75% ▲ 0.08% above national avg
Rate2.72%
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.08% above avg
Details

ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1710 Saint Joe River Dr, Fort Wayne, IN 46805 1436
18 Months
$1,000
2.75% ▲ 0.08% above national avg
Rate2.72%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.08% above avg
Details

Indiana 24 Month CD Rates

MonitorBankRates National Average · 24 Month CD2.71% APY▼ 0.02% from last week

The national average 24-month CD rate is 2.71% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
8585 Broadway # 742, Merrillville, IN 46410
24-Month IRA
$0
4.34% ▲ 1.63% above national avg
Rate4.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.63% above avg
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18 Nw 4th St, Evansville, IN 47708
24-Month CD
$1,000
4.20% ▲ 1.49% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.49% above avg
Details

Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
1430 N National Rd, Columbus, IN 47201 5577
24 Month Certificate
$100,000
4.15% ▲ 1.44% above national avg
Rate4.07%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.44% above avg
Details

Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1520 Union St, Lafayette, IN 47904 2156
Savers Certificate - 24 Months
$50
4.13% ▲ 1.42% above national avg
Rate
Min Deposit$50
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.42% above avg
Details

Rate: T-Bill + 0.25%

Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
1430 N National Rd, Columbus, IN 47201 5577
2 Year IRA Certificate
$500
4.00% ▲ 1.29% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.29% above avg
Details

Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
1430 N National Rd, Columbus, IN 47201 5577
24 Month Certificate
$500
4.00% ▲ 1.29% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.29% above avg
Details

CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
24 Month Certificate
$500
4.00% ▲ 1.29% above national avg
Rate3.92%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.29% above avg
Details

CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
24 MONTH IRA
$500
4.00% ▲ 1.29% above national avg
Rate3.92%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.29% above avg
Details

Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
510 S Buckeye St, Osgood, IN 47037
24 Month CD Special
$500
4.00% ▲ 1.29% above national avg
Rate3.92%
Min Deposit$500
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.29% above avg
Details

**

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
Business Step Up Certificates 2 Year
$1,000
3.90% ▲ 1.19% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details

Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
120 W King St, Garrett, IN 46738
24 Month Advantage
$2,500
3.85% ▲ 1.14% above national avg
Rate3.80%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details

(a,b,c)

Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
120 W King St, Garrett, IN 46738
24 Month IRA CD
$500
3.85% ▲ 1.14% above national avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details

(a)

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
2 Year Certificate
$200
3.80% ▲ 1.09% above national avg
Rate3.74%
Min Deposit$200
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
IRA Step Up Certificates 2 Year
$200
3.80% ▲ 1.09% above national avg
Rate3.74%
Min Deposit$200
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
Step Up Certificate 2 Year
$200
3.80% ▲ 1.09% above national avg
Rate3.74%
Min Deposit$200
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
2 Year Roth Executive
$0
3.80% ▲ 1.09% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.09% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
Roth Executive 2 Years
$100,000
3.80% ▲ 1.09% above national avg
Rate3.73%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.09% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
Traditional Executive 2 Years
$100,000
3.80% ▲ 1.09% above national avg
Rate3.73%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.09% above avg
Details

Fire Police City County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
3306 N CLINTON ST, FORT WAYNE, IN 46805
2 Year Certificate
$0
3.75% ▲ 1.04% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.04% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
24 Month Certificate
$1,000
3.75% ▲ 1.04% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.04% above avg
Details

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

Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3064 Ohio St, Michigan City, IN 46360 6866
24 Mo. Certificate
$0
3.71% ▲ 1.00% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.00% above avg
Details

Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
1111 S Adams St, Bluffton, IN 46714 9772
Certificates 24 Months
$0
3.70% ▲ 0.99% above national avg
Rate3.63%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.99% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
Roth Premier 2 Years
$10,000
3.70% ▲ 0.99% above national avg
Rate3.63%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.99% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
Traditional Premier 2 Years
$10,000
3.70% ▲ 0.99% above national avg
Rate3.63%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.99% above avg
Details

Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
119 N Main St, Monticello, IN 47960
24-MONTH CD
$2,500
3.70% ▲ 0.99% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.99% above avg
Details

New Money required. Offer subject to change or cancellation at any time without notice. Limited time offer.

Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
2259 E 116th St, Carmel, IN 46032 3279
24 Month Certificate
$0
3.65% ▲ 0.94% above national avg
Rate3.58%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.94% above avg
Details

Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
120 W King St, Garrett, IN 46738
24 Month Regular
$500
3.60% ▲ 0.89% above national avg
Rate3.55%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
Details

(a)

Allegius Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
244 Allegius Dr, Burns Harbor, IN 46304
24 Month Certificate Special
$0
3.60% ▲ 0.89% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.89% above avg
Details

South Bend Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1122 S MAIN ST, SOUTH BEND, IN 46601 3338
24 Month Certificate
$1,000
3.56% ▲ 0.85% above national avg
Rate3.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.85% above avg
Details

First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
301 E 9th St, Rochester, IN 46975
2 Year / 2 Option
$500
3.55% ▲ 0.84% above national avg
Rate3.50%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
8815 Lima Rd, Fort Wayne, IN 46818 1856
24-Month IRA Certificate
$0
3.50% ▲ 0.79% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details

Non-premier member APY: 3.25% | Dividend Rate: 3.20%

FCN Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
501 Main St, Brookville, IN 47012
24 Month CD
$0
3.48% ▲ 0.77% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 0.77% above avg
Details

ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1710 Saint Joe River Dr, Fort Wayne, IN 46805 1436
24 Month Soaring
$500
3.46% ▲ 0.75% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.75% above avg
Details

Special Certificate; ***

Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1405 N Main St, Huntingburg, IN 47542
2 Year Certificate
$0
3.44% ▲ 0.73% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 0.73% above avg
Details

First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
5001 Davis Lant Dr, Evansville, IN 47715
2 Year CD
$500
3.38% ▲ 0.67% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.67% above avg
Details

La Porte Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
1800 E Lincolnway, La Porte, IN 46350
24 Month Term
$0
3.35% ▲ 0.64% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.64% above avg
Details

Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
5908 E Main Street, Friendship, IN 47021
24 Month CD
$500
3.30% ▲ 0.59% above national avg
Rate3.25%
Min Deposit$500
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 0.59% above avg
Details

Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
5908 E Main Street, Friendship, IN 47021
24 Month Fixed Rate CD
$0
3.30% ▲ 0.59% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 0.59% above avg
Details

First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
8701 E 116th St, Fishers, IN 46038
24-month CD
$0
3.30% ▲ 0.59% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.59% above avg
Details

Early Withdrawal Penalties: 360 days interest

First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
8701 E 116th St, Fishers, IN 46038
Business 24-month CD
$0
3.30% ▲ 0.59% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.59% above avg
Details

Early Withdrawal Penalties: 360 days interest

Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
24 Month Certificate
$0
3.29% ▲ 0.58% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.58% above avg
Details

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
2917 E 10th St, Jeffersonville, IN 47130 6916
24 Month Certificate
$0
3.29% ▲ 0.58% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.58% above avg
Details

Wayne Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
500 S A St, Richmond, IN 47374
2 Year IRA
$100
3.28% ▲ 0.57% above national avg
Rate3.25%
Min Deposit$100
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 0.57% above avg
Details

Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
312 N 4TH AVE, EVANSVILLE, IN 47710
2-Year CD
$500
3.25% ▲ 0.54% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details

Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
312 N 4TH AVE, EVANSVILLE, IN 47710
2-Year IRA
$500
3.25% ▲ 0.54% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
8815 Lima Rd, Fort Wayne, IN 46818 1856
24-Month Certificate
$0
3.25% ▲ 0.54% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details

Non-premier member APY: 3.00% | Dividend Rate: 2.96%

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
8815 Lima Rd, Fort Wayne, IN 46818 1856
24-Month IRA Certificate
$0
3.25% ▲ 0.54% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details

Premier Member APY: 3.50% | Dividend Rate: 3.44%

L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1450 VETERANS PKWY STE 100, JEFFERSONVILLE, IN 47130
2 Year Certificate
$1,000
3.25% ▲ 0.54% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 0.54% above avg
Details

First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
7048 Kennedy Ave, Hammond, IN 46323
24 Month Certificate
$5,000
3.25% ▲ 0.54% above national avg
Rate3.21%
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 0.54% above avg
Details

Daily compounding. IRA funds permitted. No business funds permitted

Evansville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
6209 Vogel Rd, Evansville, IN 47715
2 year
$1,000
3.25% ▲ 0.54% above national avg
Rate3.20%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.54% above avg
Details

Indiana 36 Month CD Rates

MonitorBankRates National Average · 36 Month CD2.64% APY▼ 0.03% from last week

The national average 36-month CD rate is 2.64% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18 Nw 4th St, Evansville, IN 47708
36-Month CD
$1,000
4.20% ▲ 1.56% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.56% above avg
Details

CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
36 Month Certificate
$500
4.10% ▲ 1.46% above national avg
Rate4.02%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.46% above avg
Details

CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
36 MONTH IRA
$500
4.10% ▲ 1.46% above national avg
Rate4.02%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.46% above avg
Details

Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
120 W King St, Garrett, IN 46738
36 Month Advantage
$2,500
4.00% ▲ 1.36% above national avg
Rate3.94%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.36% above avg
Details

(a,b,c)

Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
120 W King St, Garrett, IN 46738
36 Month IRA CD
$500
4.00% ▲ 1.36% above national avg
Rate3.94%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.36% above avg
Details

(a)

Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
510 S Buckeye St, Osgood, IN 47037
36 Month CD Special
$500
4.00% ▲ 1.36% above national avg
Rate3.92%
Min Deposit$500
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.36% above avg
Details

**

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
3 Year Certificate
$200
3.85% ▲ 1.21% above national avg
Rate3.78%
Min Deposit$200
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.21% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
IRA Step Up Certificates 3 Year
$200
3.85% ▲ 1.21% above national avg
Rate3.78%
Min Deposit$200
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.21% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
Step Up Certificate 3 Year
$200
3.85% ▲ 1.21% above national avg
Rate3.78%
Min Deposit$200
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.21% above avg
Details

La Porte Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
1800 E Lincolnway, La Porte, IN 46350
36 Month Term
$0
3.85% ▲ 1.21% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.21% above avg
Details

Fire Police City County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
3306 N CLINTON ST, FORT WAYNE, IN 46805
3 Year Certificate
$0
3.80% ▲ 1.16% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 1.16% above avg
Details

Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3064 Ohio St, Michigan City, IN 46360 6866
36 Mo. Certificate
$0
3.76% ▲ 1.12% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.12% above avg
Details

Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
120 W King St, Garrett, IN 46738
36 Month Regular
$500
3.75% ▲ 1.11% above national avg
Rate3.70%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.11% above avg
Details

(a)

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
36 Month Certificate
$1,000
3.75% ▲ 1.11% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.11% above avg
Details

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

Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
1111 S Adams St, Bluffton, IN 46714 9772
Certificates 36 Months
$0
3.70% ▲ 1.06% above national avg
Rate3.63%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.06% above avg
Details

South Bend Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1122 S MAIN ST, SOUTH BEND, IN 46601 3338
36 Month Certificate
$1,000
3.56% ▲ 0.92% above national avg
Rate3.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.92% above avg
Details

First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
301 E 9th St, Rochester, IN 46975
36 Month
$500
3.55% ▲ 0.91% above national avg
Rate3.50%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.91% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
Roth Executive 3 Years
$100,000
3.55% ▲ 0.91% above national avg
Rate3.48%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.91% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
Traditional Executive 3 Years
$100,000
3.55% ▲ 0.91% above national avg
Rate3.48%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.91% above avg
Details

Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
102 N Jefferson St, Ossian, IN 46777
36-Month CD Special
$1,000
3.50% ▲ 0.86% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.86% above avg
Details

CF Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
4729 E 82nd St, Indianapolis, IN 46250
36 Month term
$0
3.50% ▲ 0.86% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.86% above avg
Details

Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
1001 Chestnut Hills Pkwy Ste 1, Fort Wayne, IN 46814
36 Month IRA CD min
$0
3.50% ▲ 0.86% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.86% above avg
Details

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

Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
1001 Chestnut Hills Pkwy Ste 1, Fort Wayne, IN 46814
36 Month min.
$0
3.50% ▲ 0.86% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.86% above avg
Details

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

Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
2259 E 116th St, Carmel, IN 46032 3279
36 Month Certificate
$0
3.50% ▲ 0.86% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.86% above avg
Details

Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
726 Massachusetts Ave, Indianapolis, IN 46204
3 Year Certificate
$0
3.50% ▲ 0.86% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.86% above avg
Details

Minimum Balance: $500

Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
726 Massachusetts Ave, Indianapolis, IN 46204
IRA Traditional - 36 months
$0
3.50% ▲ 0.86% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.86% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
Roth Premier 3 Years
$10,000
3.45% ▲ 0.81% above national avg
Rate3.39%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.81% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
Traditional Premier 3 Years
$10,000
3.45% ▲ 0.81% above national avg
Rate3.39%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.81% above avg
Details

First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
5001 Davis Lant Dr, Evansville, IN 47715
3 Year CD
$500
3.35% ▲ 0.71% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.71% above avg
Details

Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1405 N Main St, Huntingburg, IN 47542
3 Year Certificate
$0
3.34% ▲ 0.70% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.64%▲ 0.70% above avg
Details

Diamond Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
840 E Diamond Ave, Evansville, IN 47711 3420
3 Year Certificate
$500
3.30% ▲ 0.66% above national avg
Rate3.25%
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.66% above avg
Details

Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
5908 E Main Street, Friendship, IN 47021
36 Month CD
$500
3.30% ▲ 0.66% above national avg
Rate3.25%
Min Deposit$500
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.64%▲ 0.66% above avg
Details

First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
8701 E 116th St, Fishers, IN 46038
36-month CD
$0
3.30% ▲ 0.66% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.66% above avg
Details

Early Withdrawal Penalties: 360 days interest

First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
8701 E 116th St, Fishers, IN 46038
Business 36-month CD
$0
3.30% ▲ 0.66% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.66% above avg
Details

Early Withdrawal Penalties: 360 days interest

Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
36 Month Certificate
$0
3.29% ▲ 0.65% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.65% above avg
Details

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
2917 E 10th St, Jeffersonville, IN 47130 6916
36 Month Certificate
$0
3.29% ▲ 0.65% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.65% above avg
Details

FCN Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
501 Main St, Brookville, IN 47012
36 Month CD
$0
3.28% ▲ 0.64% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.64% above avg
Details

Wayne Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
500 S A St, Richmond, IN 47374
3 Year IRA
$100
3.28% ▲ 0.64% above national avg
Rate3.25%
Min Deposit$100
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.64%▲ 0.64% above avg
Details

Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
312 N 4TH AVE, EVANSVILLE, IN 47710
3-Year CD
$500
3.25% ▲ 0.61% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.61% above avg
Details

Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
312 N 4TH AVE, EVANSVILLE, IN 47710
3-Year IRA
$500
3.25% ▲ 0.61% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.61% above avg
Details

Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
105 E Winslow Rd, Bloomington, IN 47401
3-year paid monthly
$0
3.25% ▲ 0.61% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.61% above avg
Details

Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
105 E Winslow Rd, Bloomington, IN 47401
Business 3-year paid monthly
$0
3.25% ▲ 0.61% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.61% above avg
Details

ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1710 Saint Joe River Dr, Fort Wayne, IN 46805 1436
36 Months
$1,000
3.25% ▲ 0.61% above national avg
Rate3.21%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.61% above avg
Details

L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1450 VETERANS PKWY STE 100, JEFFERSONVILLE, IN 47130
3 Year Certificate
$1,000
3.25% ▲ 0.61% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.61% above avg
Details

Evansville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
6209 Vogel Rd, Evansville, IN 47715
3 year
$1,000
3.25% ▲ 0.61% above national avg
Rate3.20%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.61% above avg
Details

Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1520 Union St, Lafayette, IN 47904 2156
36 Month Certificate
$500
3.20% ▲ 0.56% above national avg
Rate3.15%
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.56% above avg
Details

Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1520 Union St, Lafayette, IN 47904 2156
36 Month IRA Certificate
$500
3.20% ▲ 0.56% above national avg
Rate3.15%
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.56% above avg
Details

Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1520 Union St, Lafayette, IN 47904 2156
36 Months
$500
3.15% ▲ 0.51% above national avg
Rate3.10%
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.51% above avg
Details

Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1130 S Main St, South Bend, IN 46601 3338
36 Month Certificate
$0
3.09% ▲ 0.45% above national avg
Rate3.05%
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.45% above avg
Details

EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1001 Chestnut Hills Pkwy, Fort Wayne, IN 46814 7900
36 Month Certificate
$15,000
3.05% ▲ 0.41% above national avg
Rate3.01%
Min Deposit$15,000
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.41% above avg
Details

Indiana 48 Month CD Rates

MonitorBankRates National Average · 48 Month CD2.65% APY▼ 0.02% from last week

The national average 48-month CD rate is 2.65% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18 Nw 4th St, Evansville, IN 47708
48-Month CD
$1,000
4.20% ▲ 1.55% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.55% above avg
Details

CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
48 Month Certificate
$500
4.15% ▲ 1.50% above national avg
Rate4.07%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.50% above avg
Details

CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
48 MONTH IRA
$500
4.15% ▲ 1.50% above national avg
Rate4.07%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.50% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
4 Year Certificate
$200
3.90% ▲ 1.25% above national avg
Rate3.83%
Min Deposit$200
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.25% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
IRA Step Up Certificates 4 Year
$200
3.90% ▲ 1.25% above national avg
Rate3.83%
Min Deposit$200
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.25% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
Step Up Certificate 4 Year
$200
3.90% ▲ 1.25% above national avg
Rate3.83%
Min Deposit$200
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.25% above avg
Details

La Porte Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
1800 E Lincolnway, La Porte, IN 46350
48 Month Term
$0
3.90% ▲ 1.25% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.25% above avg
Details

Fire Police City County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
3306 N CLINTON ST, FORT WAYNE, IN 46805
4 Year Certificate
$0
3.85% ▲ 1.20% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 1.20% above avg
Details

Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
1001 Chestnut Hills Pkwy Ste 1, Fort Wayne, IN 46814
48 Month IRA CD min
$0
3.75% ▲ 1.10% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.10% above avg
Details

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

Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
1001 Chestnut Hills Pkwy Ste 1, Fort Wayne, IN 46814
48 Month min.
$0
3.75% ▲ 1.10% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.10% above avg
Details

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

Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
1111 S Adams St, Bluffton, IN 46714 9772
Certificates 48 Months
$0
3.75% ▲ 1.10% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.10% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
48 Month Certificate
$1,000
3.75% ▲ 1.10% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.10% above avg
Details

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

Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3064 Ohio St, Michigan City, IN 46360 6866
48 Mo. Certificate
$0
3.61% ▲ 0.96% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.96% above avg
Details

First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
301 E 9th St, Rochester, IN 46975
48 Month
$500
3.55% ▲ 0.90% above national avg
Rate3.50%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.90% above avg
Details

Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
48 Month Certificate
$0
3.55% ▲ 0.90% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.90% above avg
Details

Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
2259 E 116th St, Carmel, IN 46032 3279
48 Month Certificate
$0
3.50% ▲ 0.85% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.85% above avg
Details

Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
726 Massachusetts Ave, Indianapolis, IN 46204
4 Year Certificate
$0
3.50% ▲ 0.85% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.85% above avg
Details

Minimum Balance: $500

Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
726 Massachusetts Ave, Indianapolis, IN 46204
IRA Traditional - 48 months
$0
3.50% ▲ 0.85% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.85% above avg
Details

First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
8701 E 116th St, Fishers, IN 46038
48-month CD
$0
3.45% ▲ 0.80% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.80% above avg
Details

Early Withdrawal Penalties: 360 days interest

First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
8701 E 116th St, Fishers, IN 46038
Business 48-month CD
$0
3.45% ▲ 0.80% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.80% above avg
Details

Early Withdrawal Penalties: 360 days interest

Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
5908 E Main Street, Friendship, IN 47021
48 Month CD
$500
3.41% ▲ 0.76% above national avg
Rate3.35%
Min Deposit$500
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 0.76% above avg
Details

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
2917 E 10th St, Jeffersonville, IN 47130 6916
48 Month Certificate
$0
3.39% ▲ 0.74% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.74% above avg
Details

Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1405 N Main St, Huntingburg, IN 47542
4 Year Certificate
$0
3.34% ▲ 0.69% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 0.69% above avg
Details

First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
5001 Davis Lant Dr, Evansville, IN 47715
4 Year CD
$500
3.31% ▲ 0.66% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.66% above avg
Details

Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1520 Union St, Lafayette, IN 47904 2156
48 Month IRA Certificate
$500
3.30% ▲ 0.65% above national avg
Rate3.25%
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.65% above avg
Details

Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
48 Month Certificate
$0
3.29% ▲ 0.64% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.64% above avg
Details

GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
3988 West Delphi Road, Sweetser, IN 46987
48 month cd
$0
3.29% ▲ 0.64% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 0.64% above avg
Details

Annual Percentage Yield is accurate as of 12/15/2025. A substantial penalty may be imposed for early withdrawal. Rates are subject to change without notice. Fees may reduce earnings. Member FDIC. Rate may change after the account is opened.

GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
3988 West Delphi Road, Sweetser, IN 46987
48 Month Fixed Rate
$1,000
3.29% ▲ 0.64% above national avg
Rate3.25%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 0.64% above avg
Details

Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1520 Union St, Lafayette, IN 47904 2156
48 Months
$500
3.25% ▲ 0.60% above national avg
Rate3.20%
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.60% above avg
Details

L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1450 VETERANS PKWY STE 100, JEFFERSONVILLE, IN 47130
4 Year Certificate
$1,000
3.25% ▲ 0.60% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 0.60% above avg
Details

Wayne Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
500 S A St, Richmond, IN 47374
4 Year IRA
$100
3.23% ▲ 0.58% above national avg
Rate3.20%
Min Deposit$100
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 0.58% above avg
Details

Indiana Heartland Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.84%
402 S Berkley Rd, kokomo, IN 46901
48 Month Certificate
$500
3.10% ▲ 0.45% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.45% above avg
Details

Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1130 S Main St, South Bend, IN 46601 3338
48 Month Certificate
$0
3.09% ▲ 0.44% above national avg
Rate3.05%
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.44% above avg
Details

EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1001 Chestnut Hills Pkwy, Fort Wayne, IN 46814 7900
48 Month Certificate
$15,000
3.05% ▲ 0.40% above national avg
Rate3.01%
Min Deposit$15,000
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.40% above avg
Details

SOLIDARITY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
201 E Southway Blvd, Kokomo, IN 46902 3677
48 Month
$0
3.05% ▲ 0.40% above national avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.40% above avg
Details

Evansville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
6209 Vogel Rd, Evansville, IN 47715
4 year
$1,000
3.04% ▲ 0.39% above national avg
Rate3.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.39% above avg
Details

Diamond Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
840 E Diamond Ave, Evansville, IN 47711 3420
4 Year Certificate
$500
3.03% ▲ 0.38% above national avg
Rate3.00%
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.38% above avg
Details

**

Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1130 S Main St, South Bend, IN 46601 3338
4 Year Certificate
$500
3.03% ▲ 0.38% above national avg
Rate3.00%
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.38% above avg
Details

First State Bank of Porter
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
230 Lincoln St, Porter, IN 46304
48 Month
$0
3.03% ▲ 0.38% above national avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 7, 2026
National Average2.65%▲ 0.38% above avg
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
8815 Lima Rd, Fort Wayne, IN 46818 1856
48-Month Certificate
$0
3.00% ▲ 0.35% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.35% above avg
Details

Non-premier member APY: 2.75% | Dividend Rate: 2.72%

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
8815 Lima Rd, Fort Wayne, IN 46818 1856
48-Month IRA Certificate
$0
3.00% ▲ 0.35% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.35% above avg
Details

Non-premier member APY: 2.75% | Dividend Rate: 2.72%

Tech Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
10110 Randolph St, Crown Point, IN 46307 9469
Certificate IRA - 48 month bump rate
$0
3.00% ▲ 0.35% above national avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.35% above avg
Details

Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
105 E Winslow Rd, Bloomington, IN 47401
4-year paid monthly
$0
3.00% ▲ 0.35% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.35% above avg
Details

Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
105 E Winslow Rd, Bloomington, IN 47401
Business 4-year paid monthly
$0
3.00% ▲ 0.35% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.35% above avg
Details

Crane Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
1 W Gate Dr, Odon, IN 47562
48 Month Certificate
$0
3.00% ▲ 0.35% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.35% above avg
Details

EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1001 Chestnut Hills Pkwy, Fort Wayne, IN 46814 7900
48 Month Certificate
$1,000
3.00% ▲ 0.35% above national avg
Rate2.96%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.35% above avg
Details

EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1001 Chestnut Hills Pkwy, Fort Wayne, IN 46814 7900
IRA Certificate 48 Month Certificate
$1,000
3.00% ▲ 0.35% above national avg
Rate2.96%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.35% above avg
Details

First State Bank of Porter
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
230 Lincoln St, Porter, IN 46304
48 Month
$0
2.93% ▲ 0.28% above national avg
Rate2.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 7, 2026
National Average2.65%▲ 0.28% above avg
Details

Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
120 W King St, Garrett, IN 46738
48 Month IRA CD
$500
2.85% ▲ 0.20% above national avg
Rate2.81%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.20% above avg
Details

(a)

Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
120 W King St, Garrett, IN 46738
48 Month Regular
$500
2.85% ▲ 0.20% above national avg
Rate2.81%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.20% above avg
Details

(a)

Indiana 60 Month CD Rates

MonitorBankRates National Average · 60 Month CD2.75% APY▼ 0.03% from last week

The national average 60-month CD rate is 2.75% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
60 Month Certificate
$500
4.20% ▲ 1.45% above national avg
Rate4.11%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.45% above avg
Details

CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
60 MONTH IRA
$500
4.20% ▲ 1.45% above national avg
Rate4.11%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.45% above avg
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18 Nw 4th St, Evansville, IN 47708
60-Month CD
$1,000
4.20% ▲ 1.45% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.45% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
5 Year Certificate
$200
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$200
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.25% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
IRA Step Up Certificates 5 Year
$200
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$200
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.25% above avg
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
Step Up Certificate 5 Year
$200
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$200
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.25% above avg
Details

Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
1001 Chestnut Hills Pkwy Ste 1, Fort Wayne, IN 46814
60 Month min.
$0
4.00% ▲ 1.25% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.25% above avg
Details

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

Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
726 Massachusetts Ave, Indianapolis, IN 46204
5 Year Certificate
$0
4.00% ▲ 1.25% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.25% above avg
Details

Minimum Balance: $500

Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
726 Massachusetts Ave, Indianapolis, IN 46204
IRA Traditional - 60 months
$0
4.00% ▲ 1.25% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.25% above avg
Details

Fire Police City County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
3306 N CLINTON ST, FORT WAYNE, IN 46805
5 years +
$0
3.85% ▲ 1.10% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 1.10% above avg
Details

Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3064 Ohio St, Michigan City, IN 46360 6866
60 Mo. Certificate
$0
3.81% ▲ 1.06% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.06% above avg
Details

Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
1111 S Adams St, Bluffton, IN 46714 9772
Certificates 60 Months
$0
3.80% ▲ 1.05% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.05% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
60 Month Certificate
$1,000
3.75% ▲ 1.00% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.00% above avg
Details

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

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
Roth Executive 5 Years
$100,000
3.60% ▲ 0.85% above national avg
Rate3.53%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.85% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
Traditional Executive 5 Years
$100,000
3.60% ▲ 0.85% above national avg
Rate3.53%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.85% above avg
Details

Bank of Wolcott
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
105 N Range St, Wolcott, IN 47995
60 Month IRA
$1,000
3.60% ▲ 0.85% above national avg
Rate3.55%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 0.85% above avg
Details

Compounding Frequency: Quarterly

First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
301 E 9th St, Rochester, IN 46975
60 Month
$500
3.55% ▲ 0.80% above national avg
Rate3.50%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.80% above avg
Details

Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
60 Month Certificate
$0
3.55% ▲ 0.80% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.80% above avg
Details

GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
3988 West Delphi Road, Sweetser, IN 46987
60 Month CD
$0
3.55% ▲ 0.80% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 0.80% above avg
Details

Annual Percentage Yield is accurate as of 12/15/2025. A substantial penalty may be imposed for early withdrawal. Rates are subject to change without notice. Fees may reduce earnings. Member FDIC. Rate may change after the account is opened.

GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
3988 West Delphi Road, Sweetser, IN 46987
60 Month Fixed Rate
$1,000
3.55% ▲ 0.80% above national avg
Rate3.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 0.80% above avg
Details

CF Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
4729 E 82nd St, Indianapolis, IN 46250
60 Month term
$0
3.50% ▲ 0.75% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.75% above avg
Details

Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
2259 E 116th St, Carmel, IN 46032 3279
60 Month Liquid IRA
$0
3.50% ▲ 0.75% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.75% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
Roth Premier 5 Years
$10,000
3.50% ▲ 0.75% above national avg
Rate3.44%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.75% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
Traditional Premier 5 Years
$10,000
3.50% ▲ 0.75% above national avg
Rate3.44%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.75% above avg
Details

L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1450 VETERANS PKWY STE 100, JEFFERSONVILLE, IN 47130
5 Year Certificate
$1,000
3.50% ▲ 0.75% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 0.75% above avg
Details

L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1450 VETERANS PKWY STE 100, JEFFERSONVILLE, IN 47130
5 Year IRA (Traditional/Roth)
$1,000
3.50% ▲ 0.75% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 0.75% above avg
Details

IRA share certificates have a minimum balance of $1,000.00 and are available in terms 6 months thru 5 years.

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
2917 E 10th St, Jeffersonville, IN 47130 6916
60 Month Certificate
$0
3.49% ▲ 0.74% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.74% above avg
Details

Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
5908 E Main Street, Friendship, IN 47021
60 Month CD
$500
3.46% ▲ 0.71% above national avg
Rate3.40%
Min Deposit$500
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 0.71% above avg
Details

First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
8701 E 116th St, Fishers, IN 46038
60-month CD
$0
3.45% ▲ 0.70% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.70% above avg
Details

Early Withdrawal Penalties: 360 days interest

First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
8701 E 116th St, Fishers, IN 46038
Business 60-month CD
$0
3.45% ▲ 0.70% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.70% above avg
Details

Early Withdrawal Penalties: 360 days interest

Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1520 Union St, Lafayette, IN 47904 2156
60 Month IRA Certificate
$500
3.41% ▲ 0.66% above national avg
Rate3.35%
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.66% above avg
Details

LNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
215 N Main St, Lynnville, IN 47619
5 Years Relationship Certificates of Deposit
$500
3.38% ▲ 0.63% above national avg
Rate3.35%
Min Deposit$500
Min Balance
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 0.63% above avg
Details

Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1520 Union St, Lafayette, IN 47904 2156
60 Months
$500
3.35% ▲ 0.60% above national avg
Rate3.30%
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.60% above avg
Details

Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1405 N Main St, Huntingburg, IN 47542
5 Year Certificate
$0
3.34% ▲ 0.59% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 0.59% above avg
Details

Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
60 Month Certificate
$0
3.29% ▲ 0.54% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.54% above avg
Details

First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
5001 Davis Lant Dr, Evansville, IN 47715
5 Year CD
$500
3.29% ▲ 0.54% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.54% above avg
Details

Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
2259 E 116th St, Carmel, IN 46032 3279
60 Month Certificate
$0
3.25% ▲ 0.50% above national avg
Rate3.19%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.50% above avg
Details

Crane Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
1 W Gate Dr, Odon, IN 47562
60 Month Certificate
$0
3.25% ▲ 0.50% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.50% above avg
Details

Indiana Heartland Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.84%
402 S Berkley Rd, kokomo, IN 46901
60 Month Certificate
$500
3.25% ▲ 0.50% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.50% above avg
Details

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
6210 W Jefferson Blvd, Fort Wayne, IN 46804 3073
60 months
$0
3.25% ▲ 0.50% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 0.50% above avg
Details

Wayne Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
500 S A St, Richmond, IN 47374
5 year certificate
$1,000
3.18% ▲ 0.43% above national avg
Rate3.15%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 0.43% above avg
Details

Wayne Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
500 S A St, Richmond, IN 47374
5 Year IRA
$100
3.18% ▲ 0.43% above national avg
Rate3.15%
Min Deposit$100
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 0.43% above avg
Details

EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1001 Chestnut Hills Pkwy, Fort Wayne, IN 46814 7900
60 Month Certificate
$15,000
3.15% ▲ 0.40% above national avg
Rate3.10%
Min Deposit$15,000
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.40% above avg
Details

EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1001 Chestnut Hills Pkwy, Fort Wayne, IN 46814 7900
60 Month Certificate
$1,000
3.10% ▲ 0.35% above national avg
Rate3.06%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.35% above avg
Details

EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1001 Chestnut Hills Pkwy, Fort Wayne, IN 46814 7900
IRA Certificate 60 Month Certificate
$1,000
3.10% ▲ 0.35% above national avg
Rate3.06%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.35% above avg
Details

Evansville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
6209 Vogel Rd, Evansville, IN 47715
5 year
$1,000
3.04% ▲ 0.29% above national avg
Rate3.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.29% above avg
Details

Citizens Bank Mooresville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
33 N Indiana St, Mooresville, IN 46158
CD -- 60 months
$500
3.04% ▲ 0.29% above national avg
Rate3.00%
Min Deposit$500
Min Balance
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 0.29% above avg
Details

Diamond Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
840 E Diamond Ave, Evansville, IN 47711 3420
5 Year Certificate
$500
3.03% ▲ 0.28% above national avg
Rate3.00%
Min Deposit$500
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.28% above avg
Details

Campbell & Fetter Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
304 S Orange St, Albion, IN 46701
60 Month Certificate
$1,000
3.03% ▲ 0.28% above national avg
Rate3.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 0.28% above avg
Details

Compounded Quarterly

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
8815 Lima Rd, Fort Wayne, IN 46818 1856
60-Month Certificate
$0
3.00% ▲ 0.25% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.25% above avg
Details

Non-premier member APY: 2.75% | Dividend Rate: 2.72%

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 Indiana Institutions

Highest verified APYs available today, updated September 9, 2026

B Top 5 Bank Rates
United Fidelity Bank
12-Month CD
A+ 5.0 ★ TX: 2.56%
Min: $1,000
4.40%
CHIPHONE
60 Month Certificate
A+ 5.0 ★ TX: 0.65%
Min: $500
4.20%
First Savings Bank of Hegewisch
18 Month Variable Rate Certificate
A+ 5.0 ★ TX: 0.18%
Min: $1,000
4.04%
Garrett State Bank
36 Month Advantage
A 5.0 ★ TX: 6.21%
Min: $2,500
4.00%
Civista Bank
24 Month CD Special
A+ 5.0 ★ TX: 4.72%
Min: $500
4.00%
CU Top 5 Credit Union Rates
Fort Financial Federal Credit Union
12-Month IRA Certificate
A+ 5.0 ★ TX: 1.64%
Min: $0
4.50%
Indiana University Credit Union
6-month paid monthly
A+ 5.0 ★ TX: 4.24%
Min: $0
4.50%
Chicago Patrolmens Federal Credit Union
24-Month IRA
A+ 5.0 ★ TX: 3.62%
Min: $0
4.34%
Elements Financial Federal Credit Union
18 Month Term
A+ 5.0 ★ TX: 1.88%
Min: $0
4.25%
Forum Credit Union
18 Month Certificate
A+ 5.0 ★ TX: 1.91%
Min: $0
4.15%
Rates verified September 9, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

Indiana CD Rate Trends

Compare local Indiana 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 Indiana CD Trends
12-Month CD IN Avg
2.840%
▲ 0.301 vs 7 days ago

Indiana 12-month CD rates rose 0.301 points over the past 7 days to 2.840% APY.

6-Month CD IN Avg
2.669%
▲ 0.560 vs 7 days ago

Indiana 6-month CD rates rose 0.560 points over the past 7 days to 2.669% APY.

As of Sep 10, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

IN CD Rate Forecast, Next 12 Months

Where are Indiana CD rates headed through September 2027?

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

IN 12-Month Avg APY
2.840%
6-Month Forecast
2.840%
Range: 2.64% – 2.99%
12-Month Forecast
3.090%
Range: 2.89% – 3.24%

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 Indiana average 12-month CD APY in our database.

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

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

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

Powered by MonitorBankRates

What Your Savings Earn at IN CD Rates Today

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

CD Term IN Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.993% $99.65 $199.29 $498.22 $996.45
6-Month CD 2.669% $133.45 $266.90 $667.25 $1,334.50
12-Month CD 2.840% $142.01 $284.02 $710.05 $1,420.10
18-Month CD 2.673% $133.67 $267.34 $668.35 $1,336.70
24-Month CD 2.712% $135.61 $271.23 $678.07 $1,356.15
36-Month CD 2.640% $132.02 $264.03 $660.07 $1,320.15
48-Month CD 2.652% $132.61 $265.23 $663.07 $1,326.15
60-Month CD 2.747% $137.35 $274.69 $686.73 $1,373.45
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 9, 2026.

Sample CD Ladder for Indiana Savers

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

Build Your Ladder
Rung Term Deposit IN Avg APY Annual Earnings
1 3-Month CD $5,000 1.993% $99.65
2 6-Month CD $5,000 2.669% $133.45
3 12-Month CD $5,000 2.840% $142.01
4 24-Month CD $5,000 2.712% $135.61
5 36-Month CD $5,000 2.640% $132.02
Total ($25,000 invested) $25,000 2.571% blended $642.74/yr

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

774
CD Rates
Tracked in Indiana
47 Banks 52 Credit Unions

About Our Indiana CD Rate Database

MonitorBankRates tracks 774 CD rates from 47 banks and 52 credit unions with locations in Indiana, plus national online institutions available to Indiana 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: Fort Financial Federal Credit Union offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Indiana.

How to Find the Best CD Rates in Indiana

What to compare when shopping for a CD in Indiana

To find the best APYs in Indiana, start with credit unions and online-only banks: Indiana has 52 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 Indiana

  • 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 Indiana: 99 institutions here report CD rates

Consider an Alternative If…

  • You may need the funds within 30 days. Compare Indiana savings rates instead
  • Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
  • You want check-writing access. Compare Indiana money market rates

Indiana Financial Snapshot

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

Population 65+
16.8%
National avg: 17.3%
Median Individual Earnings
$43,243
National avg: $47,340
Poverty Rate
12.3%
National avg: 11.1%
Unemployment Rate
4.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$123/yr
At IN 12-mo avg 2.840% APY

16.8% of residents are 65 or older, below the national average of 17.3%. At today’s IN 12-month CD average of 2.840%, saving 10% of the local median salary ($4,324/year) and putting it in a CD would earn an additional $123 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 Indiana

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 Indiana

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 Indiana 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 Indiana as everywhere in the U.S.

Choosing a CD Term in Indiana

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Indiana savers easier access to their funds. For example, Indiana University Credit Union is offering its 6-month paid monthly at 4.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, CHIPHONE is offering its 60 Month Certificate at 4.20% 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 Indiana 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 Indiana 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 Indiana

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 Indiana 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 Indiana

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

Are CD rates in Indiana FDIC insured?

Yes, most established banks in Indiana 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 Indiana?

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 Indiana.

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 Indiana 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 Indiana?

Here are recent top rates found for this area:
  • Fort Financial Federal Credit Union: 4.50% APY (12-Month IRA Certificate)
  • Indiana University Credit Union: 4.50% APY (6-month paid monthly)
  • United Fidelity Bank: 4.40% APY (12-Month CD)
  • Chicago Patrolmens Federal Credit Union: 4.34% APY (24-Month IRA)
  • Elements Financial Federal Credit Union: 4.25% APY (18 Month Term)
  • CHIPHONE: 4.20% APY (60 Month Certificate)
  • Forum Credit Union: 4.15% APY (18 Month Certificate)
  • Centra Credit Union: 4.15% APY (24 Month Certificate)
  • Purdue Federal Credit Union: 4.13% APY (Savers Certificate - 24 Months)
  • Evansville Firefighters Federal Credit Union: 4.10% APY (18 Mo CD Jumbo)
Rates reflect recent verified offers available in Indiana. Last Updated: September 9, 2026

Indiana 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 Indiana 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 Indiana CD Rates by Term

Verified September 9, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Indiana. Averages shown use the Indiana state average where available, national otherwise. See the full rate tables above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Indiana 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 Indiana 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 Indiana. 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 IN.

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 9, 2026

Indiana Rates & Resources

Cities in Indiana

  • Advance
  • Akron
  • Alamo
  • Albany
  • Albion
  • Alexandria
  • Ambia
  • Amboy
  • Amo
  • Anderson
  • Andrews
  • Angola
  • Arcadia
  • Arcola
  • Argos
  • Arlington
  • Ashley
  • Athens
  • Atlanta
  • Attica
  • Atwood
  • Auburn
  • Aurora
  • Austin
  • Avilla
  • Avoca
  • Avon
  • Bainbridge
  • Bargersville
  • Batesville
  • Bath
  • Battle Ground
  • Bedford
  • Beech Grove
  • Bellmore
  • Bennington
  • Bentonville
  • Berne
  • Bethlehem
  • Beverly Shores
  • Bicknell
  • Bippus
  • Birdseye
  • Blanford
  • Bloomfield
  • Bloomingdale
  • Bloomington
  • Bluffton
  • Boggstown
  • Boone Grove
  • Boonville
  • Borden
  • Boston
  • Boswell
  • Bourbon
  • Bowling Green
  • Bradford
  • Branchville
  • Brazil
  • Bremen
  • Bridgeton
  • Brimfield
  • Bringhurst
  • Bristol
  • Bristow
  • Brook
  • Brooklyn
  • Brookston
  • Brookville
  • Brownsburg
  • Brownstown
  • Brownsville
  • Bruceville
  • Bryant
  • Buck Creek
  • Buckskin
  • Buffalo
  • Bunker Hill
  • Burket
  • Burlington
  • Burnettsville
  • Burrows
  • Butler
  • Butlerville
  • Cambridge City
  • Camby
  • Camden
  • Campbellsburg
  • Canaan
  • Cannelburg
  • Cannelton
  • Carbon
  • Carlisle
  • Carmel
  • Cartersburg
  • Carthage
  • Cayuga
  • Cedar Grove
  • Cedar Lake
  • Celestine
  • Centerpoint
  • Centerville
  • Central
  • Chalmers
  • Chandler
  • Charlestown
  • Charlottesville
  • Chesterton
  • Chrisney
  • Churubusco
  • Cicero
  • Clarks Hill
  • Clarksburg
  • Clarksville
  • Clay City
  • Claypool
  • Clayton
  • Clear Creek
  • Clifford
  • Clinton
  • Cloverdale
  • Coal City
  • Coalmont
  • Coatesville
  • Colfax
  • Columbia City
  • Columbus
  • Commiskey
  • Connersville
  • Converse
  • Cortland
  • Corunna
  • Cory
  • Corydon
  • Covington
  • Craigville
  • Crandall
  • Crane
  • Crawfordsville
  • Cromwell
  • Cross Plains
  • Crothersville
  • Crown Point
  • Culver
  • Cutler
  • Cynthiana
  • Dale
  • Daleville
  • Dana
  • Danville
  • Darlington
  • Dayton
  • Decatur
  • Decker
  • Deedsville
  • Delong
  • Delphi
  • Demotte
  • Denver
  • Depauw
  • Deputy
  • Derby
  • Dillsboro
  • Donaldson
  • Dublin
  • Dubois
  • Dugger
  • Dunkirk
  • Dunreith
  • Dupont
  • Dyer
  • Earl Park
  • East Chicago
  • East Enterprise
  • Eaton
  • Eckerty
  • Economy
  • Edinburgh
  • Edwardsport
  • Elberfeld
  • Elizabeth
  • Elizabethtown
  • Elkhart
  • Ellettsville
  • Elnora
  • Elwood
  • Eminence
  • English
  • Etna Green
  • Evanston
  • Evansville
  • Fair Oaks
  • Fairbanks
  • Fairland
  • Fairmount
  • Falmouth
  • Farmersburg
  • Farmland
  • Ferdinand
  • Fillmore
  • Finly
  • Fishers
  • Flat Rock
  • Flora
  • Florence
  • Floyds Knobs
  • Folsomville
  • Fontanet
  • Forest
  • Fort Branch
  • Fort Ritner
  • Fort Wayne
  • Fortville
  • Fountain City
  • Fountaintown
  • Fowler
  • Fowlerton
  • Francesville
  • Francisco
  • Frankfort
  • Franklin
  • Frankton
  • Fredericksburg
  • Freedom
  • Freelandville
  • Freetown
  • Fremont
  • French Lick
  • Friendship
  • Fulda
  • Fulton
  • Galveston
  • Garrett
  • Gary
  • Gas City
  • Gaston
  • Geneva
  • Gentryville
  • Georgetown
  • Glenwood
  • Goldsmith
  • Goodland
  • Goshen
  • Gosport
  • Grabill
  • Grammer
  • Grandview
  • Granger
  • Grantsburg
  • Grass Creek
  • Graysville
  • Greencastle
  • Greenfield
  • Greens Fork
  • Greensboro
  • Greensburg
  • Greentown
  • Greenville
  • Greenwood
  • Griffin
  • Griffith
  • Grovertown
  • Guilford
  • Gwynneville
  • Hagerstown
  • Hamblen
  • Hamilton
  • Hamlet
  • Hammond
  • Hanna
  • Hanover
  • Hardinsburg
  • Harlan
  • Harmony
  • Harrison
  • Harrodsburg
  • Hartford City
  • Hartsville
  • Hatfield
  • Haubstadt
  • Hayden
  • Hazleton
  • Hebron
  • Helmsburg
  • Helt
  • Heltonville
  • Hemlock
  • Henryville
  • Highland
  • Hillisburg
  • Hillsboro
  • Hillsdale
  • Hoagland
  • Hobart
  • Hobbs
  • Holland
  • Holton
  • Homer
  • Hope
  • Howe
  • Hudson
  • Huntertown
  • Huntingburg
  • Huntington
  • Huron
  • Hymera
  • Idaville
  • Indianapolis
  • Ingalls
  • Inglefield
  • Ireland
  • Jackson
  • Jamestown
  • Jasonville
  • Jasper
  • Jefferson
  • Jeffersonville
  • Jonesboro
  • Jonesville
  • Judson
  • Kempton
  • Kendallville
  • Kennard
  • Kentland
  • Kewanna
  • Keystone
  • Kimmell
  • Kingman
  • Kingsbury
  • Kingsford Heights
  • Kirklin
  • Knightstown
  • Knightsville
  • Knox
  • Kokomo
  • Koleen
  • Kouts
  • Kurtz
  • La Crosse
  • La Fontaine
  • La Porte
  • Laconia
  • Ladoga
  • Lafayette
  • Lagrange
  • Lagro
  • Lake Cicott
  • Lake Station
  • Lake Village
  • Laketon
  • Lakeville
  • Lamar
  • Lanesville
  • Laotto
  • Lapaz
  • Lapel
  • Larwill
  • Laurel
  • Lawrenceburg
  • Leavenworth
  • Lebanon
  • Leesburg
  • Leiters Ford
  • Leo
  • Leopold
  • Leroy
  • Lewis
  • Lewisville
  • Lexington
  • Liberty
  • Liberty Center
  • Liberty Mills
  • Ligonier
  • Lincoln City
  • Linden
  • Linn Grove
  • Linton
  • Little York
  • Lizton
  • Logansport
  • Loogootee
  • Losantville
  • Lovett
  • Lowell
  • Lucerne
  • Lynn
  • Lynnville
  • Lyons
  • Mackey
  • Macy
  • Madison
  • Manilla
  • Marengo
  • Mariah Hill
  • Marion
  • Markle
  • Markleville
  • Marshall
  • Martinsville
  • Marysville
  • Matthews
  • Mauckport
  • Maxwell
  • Mays
  • McCordsville
  • Mecca
  • Medaryville
  • Medora
  • Mellott
  • Memphis
  • Mentone
  • Merom
  • Merrillville
  • Metamora
  • Mexico
  • Miami
  • Michigan City
  • Michigantown
  • Middlebury
  • Middletown
  • Midland
  • Milan
  • Milford
  • Mill Creek
  • Millersburg
  • Millhousen
  • Milltown
  • Milroy
  • Milton
  • Mishawaka
  • Mitchell
  • Modoc
  • Mongo
  • Monon
  • Monroe
  • Monroe City
  • Monroeville
  • Monrovia
  • Monterey
  • Montezuma
  • Montgomery
  • Monticello
  • Montmorenci
  • Montpelier
  • Mooreland
  • Moores Hill
  • Mooresville
  • Morgantown
  • Morocco
  • Morris
  • Morristown
  • Mount Ayr
  • Mount Saint Francis
  • Mount Summit
  • Mount Vernon
  • Mulberry
  • Muncie
  • Munster
  • Nabb
  • Napoleon
  • Nappanee
  • Nashville
  • Nebraska
  • Needham
  • New Albany
  • New Carlisle
  • New Castle
  • New Goshen
  • New Harmony
  • New Haven
  • New Lebanon
  • New Lisbon
  • New Market
  • New Middletown
  • New Palestine
  • New Paris
  • New Point
  • New Richmond
  • New Ross
  • New Salisbury
  • New Trenton
  • New Washington
  • New Waverly
  • Newberry
  • Newburgh
  • Newport
  • Newtown
  • Nineveh
  • Noble
  • Noblesville
  • Norman
  • North Judson
  • North Liberty
  • North Manchester
  • North Salem
  • North Vernon
  • North Webster
  • Notre Dame
  • Oakford
  • Oakland City
  • Oaktown
  • Oakville
  • Odon
  • Oldenburg
  • Onward
  • Oolitic
  • Ora
  • Orestes
  • Orland
  • Orleans
  • Osceola
  • Osgood
  • Ossian
  • Otisco
  • Otterbein
  • Otwell
  • Owensburg
  • Owensville
  • Oxford
  • Palmyra
  • Paoli
  • Paragon
  • Paris Crossing
  • Parker City
  • Patoka
  • Patricksburg
  • Patriot
  • Paxton
  • Pekin
  • Pendleton
  • Pennville
  • Perrysville
  • Pershing
  • Peru
  • Petersburg
  • Petroleum
  • Pierceton
  • Pierceville
  • Pimento
  • Pine Village
  • Pittsboro
  • Plainfield
  • Plainville
  • Pleasant Lake
  • Pleasant Mills
  • Plymouth
  • Poland
  • Poneto
  • Portage
  • Porter
  • Portland
  • Poseyville
  • Prairie Creek
  • Prairieton
  • Preble
  • Princeton
  • Putnamville
  • Quincy
  • Ragsdale
  • Ramsey
  • Redkey
  • Reelsville
  • Remington
  • Rensselaer
  • Reynolds
  • Richland
  • Richmond
  • Ridgeville
  • Riley
  • Rising Sun
  • Roachdale
  • Roann
  • Roanoke
  • Rochester
  • Rockfield
  • Rockport
  • Rockville
  • Rolling Prairie
  • Rome
  • Rome City
  • Romney
  • Rosedale
  • Roselawn
  • Rossville
  • Royal Center
  • Rushville
  • Russellville
  • Russiaville
  • Saint Anthony
  • Saint Bernice
  • Saint Croix
  • Saint Joe
  • Saint John
  • Saint Mary Of The Woods
  • Saint Meinrad
  • Saint Paul
  • Salamonia
  • Salem
  • San Pierre
  • Sandborn
  • Santa Claus
  • Saratoga
  • Schererville
  • Schneider
  • Schnellville
  • Scipio
  • Scotland
  • Scott
  • Scottsburg
  • Sedalia
  • Seelyville
  • Sellersburg
  • Selma
  • Servia
  • Seymour
  • Sharpsville
  • Shelburn
  • Shelby
  • Shelbyville
  • Shepardsville
  • Sheridan
  • Shipshewana
  • Shirley
  • Shoals
  • Sidney
  • Silver Lake
  • Smithville
  • Solsberry
  • Somerset
  • Somerville
  • South Bend
  • South Milford
  • South Whitley
  • Spencer
  • Spencerville
  • Spiceland
  • Springport
  • Springville
  • Spurgeon
  • Stanford
  • Star City
  • State Line
  • Staunton
  • Stendal
  • Stilesville
  • Stinesville
  • Stockwell
  • Straughn
  • Stroh
  • Sullivan
  • Sulphur
  • Sulphur Springs
  • Sumava Resorts
  • Summitville
  • Sunman
  • Swayzee
  • Sweetser
  • Switz City
  • Syracuse
  • Talbot
  • Taswell
  • Taylorsville
  • Tefft
  • Tell City
  • Templeton
  • Tennyson
  • Terre Haute
  • Thayer
  • Thorntown
  • Tippecanoe
  • Tipton
  • Topeka
  • Trafalgar
  • Troy
  • Tunnelton
  • Twelve Mile
  • Tyner
  • Underwood
  • Union City
  • Union Mills
  • Uniondale
  • Unionville
  • Universal
  • Upland
  • Urbana
  • Vallonia
  • Valparaiso
  • Van Buren
  • Veedersburg
  • Velpen
  • Vernon
  • Versailles
  • Vevay
  • Vincennes
  • Wabash
  • Wadesville
  • Wakarusa
  • Waldron
  • Walkerton
  • Walton
  • Wanatah
  • Warren
  • Warsaw
  • Washington
  • Waterloo
  • Waveland
  • Wawaka
  • Waynetown
  • Webster
  • West Baden Springs
  • West College Corner
  • West Harrison
  • West Lafayette
  • West Lebanon
  • West Middleton
  • West Newton
  • West Terre Haute
  • Westfield
  • Westphalia
  • Westpoint
  • Westport
  • Westville
  • Wheatfield
  • Wheatland
  • Wheeler
  • Whiteland
  • Whitestown
  • Whiting
  • Wilkinson
  • Williams
  • Williamsburg
  • Williamsport
  • Winamac
  • Winchester
  • Windfall
  • Wingate
  • Winona Lake
  • Winslow
  • Wolcott
  • Wolcottville
  • Wolflake
  • Woodburn
  • Worthington
  • Wyatt
  • Yeoman
  • Yoder
  • Yorktown
  • Young America
  • Zanesville
  • Zionsville