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CD Rate Trends

Ashley, Indiana Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 23, 2026

Ashley, Indiana CD rates range from 0.15% to 5.09% APY, verified by MonitorBankRates as of October 23, 2026. Current Ashley, Indiana CD rates include Garrett State BankGarrett State Bank502 S Gonser Ave, Ashley, IN 46705A5.0 ★Texas Ratio: 6.21%Real return: +0.55%APY minus CPIRate verified Oct 23, 2026 offering 36 Month Advantage at 4.25% APY, GCSB Swayzee, INGCSB Swayzee, INB+4.8 ★Texas Ratio: 16.88%Real return: +1.39%APY minus CPIRate verified Oct 21, 2026 offering 60 Month Certificate of Deposit at 5.09% APY, National Police Federal Credit UnionNational Police Federal Credit UnionA+5.0 ★Texas Ratio: 4.12%Real return: +1.11%APY minus CPIRate verified Oct 23, 2026 offering 24-Month IRA at 4.81% APY, First Savings Bank of HegewischFirst Savings Bank of HegewischA+5.0 ★Texas Ratio: 0.18%Real return: +0.92%APY minus CPIRate verified Oct 21, 2026 offering 18 Month Variable Rate Certificate at 4.62% APY, and Honda Federal Credit UnionHonda Federal Credit UnionA+5.0 ★Texas Ratio: 2.74%Real return: +0.90%APY minus CPIRate verified Oct 23, 2026 offering 5 Year Executive at 4.60% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.

Ashley has 14 local institutions in our database, with CD rates as high as 4.25% APY from Garrett State Bank at 502 S Gonser Ave, Ashley, IN 46705. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Indiana area. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 23, 2026

Compare Best CD Rates in Ashley, Indiana & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Ashley 3 Month CD Rates

Indiana 3 Month CD Average1.63% APYNational 2.13%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 3 Months
$500
4.08% ▲ 2.45% above Indiana avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 2.45% above avgNationally 2.13%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 15, 2026: 4.08% APYOct 15, 2026Oct 25, 2026
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3 Month Share Certificates
$0
4.06% ▲ 2.43% above Indiana avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 2.43% above avgNationally 2.13%
Details

***SPECIAL*** for $250K+ balances

Rate History
No change since Oct 9, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Oct 9, 2026: 4.06% APYOct 9, 2026Oct 25, 2026
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Share Certificate - 3 Months SPECIAL
$500
4.06% ▲ 2.43% above Indiana avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 2.43% above avgNationally 2.13%
Details

$250K +; Special rate for balances $250K+

Rate History
No change since Oct 15, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 15, 2026: 4.06% APYOct 15, 2026Oct 25, 2026
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
Fixed Rate CD - 3 Month
$1,000
3.82% ▲ 2.19% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average1.63%▲ 2.19% above avgNationally 2.13%
Details

Must maintain minimum balance of $1000 every day to earn APY; Penalty may be imposed for early withdrawal; APY accurate as of 09/17/2026; Open Fixed Rate CD online

Rate History
No change since Oct 7, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 7, 2026: 3.82% APYOct 7, 2026Oct 25, 2026
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Certificates of Deposit - 3 Month
$500
3.76% ▲ 2.13% above Indiana avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 2.13% above avgNationally 2.13%
Details

Rates effective as of 2/9/2026

Rate History
No change since Oct 15, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Oct 15, 2026: 3.76% APYOct 15, 2026Oct 25, 2026
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3 Month Certificates
$0
3.65% ▲ 2.02% above Indiana avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.63%▲ 2.02% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
Community First Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 13.92%
3 Month Standard CD
$1,000
3.60% ▲ 1.97% above Indiana avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average1.63%▲ 1.97% above avgNationally 2.13%
Details

APY effective as of 10/6/2026; Early withdrawal may be subject to penalty

Rate History
No change since Oct 21, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 21, 2026: 3.60% APYOct 21, 2026Oct 25, 2026
American Community Bank of Indiana
Institution Rating:
B-4.3 ★Texas Ratio: 22.89%
SPECIAL: 3 Month Certificate of Deposit
$0
3.55% ▲ 1.92% above Indiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average1.63%▲ 1.92% above avgNationally 2.13%
Details

APYs effective as of 09-24-2026; Rates fixed at time of deposit; Penalty may apply for withdrawal before maturity

Rate History
No change since Sep 7, 2026 · 3.55% APY · checked 11 times
3.05%3.55%4.05%Sep 7, 2026: 3.55% APYSep 7, 2026Oct 25, 2026
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3 Month Youth Share Certificate
$50
3.55% ▲ 1.92% above Indiana avg
View
▼
Rate3.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 1.92% above avgNationally 2.13%
Details

Available to members ages 17 & younger; Maximum original principal balance of $5,000; Youth Share Certificate: $50 minimum balance required

Rate History
No change since Oct 5, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Oct 5, 2026: 3.55% APYOct 5, 2026Oct 25, 2026
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Youth Share Certificates - 3 Months
$0
3.55% ▲ 1.92% above Indiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 1.92% above avgNationally 2.13%
Details

Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 15, 2026: 3.55% APYOct 15, 2026Oct 25, 2026
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Share Certificate - 3 Months
$0
3.55% ▲ 1.92% above Indiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.63%▲ 1.92% above avgNationally 2.13%
Details

Balance: $50,000 & Over

Rate History
No change since Oct 19, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 19, 2026: 3.55% APYOct 19, 2026Oct 25, 2026
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
3 Mo. Certificate
$1,000
3.51% ▲ 1.88% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.63%▲ 1.88% above avgNationally 2.13%
Details

Dividends compounded monthly

Rate History
1 change since Sep 18, 2026 · 3.04% → 3.51% ▲ 0.47 pts · high 3.51% / low 3.04%
2.54%3.28%4.01%Sep 18, 2026: 3.04% APYOct 14, 2026: 3.51% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20263.51%▲ from 3.04%
  • Sep 18, 20263.04%first recorded
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3 Month Share Certificates
$0
3.44% ▲ 1.81% above Indiana avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 1.81% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 6 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 25, 2026
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Share Certificate - 3 Months
$500
3.44% ▲ 1.81% above Indiana avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 1.81% above avgNationally 2.13%
Details

Rate History
No change since Oct 15, 2026 · 3.44% APY · checked 2 times
2.94%3.44%3.94%Oct 15, 2026: 3.44% APYOct 15, 2026Oct 25, 2026
First Internet Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
3 Month Certificate of Deposit
$0
3.40% ▲ 1.77% above Indiana avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average1.63%▲ 1.77% above avgNationally 2.13%
Details

Interest compounded monthly; early withdrawal penalty of 90 days worth of interest; automatically renews for same term with 10-day grace period

Rate History
1 change since Sep 9, 2026 · 3.14% → 3.40% ▲ 0.26 pts · high 3.40% / low 3.14%
2.64%3.27%3.90%Sep 9, 2026: 3.14% APYOct 22, 2026: 3.40% APYSep 9, 2026Oct 25, 2026
  • Oct 22, 20263.40%▲ from 3.14%
  • Sep 9, 20263.14%first recorded
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
3 Month Renewal CD
$0
3.40% ▲ 1.77% above Indiana avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average1.63%▲ 1.77% above avgNationally 2.13%
Details

Renewal rate; Book Appointment

Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 14, 2026: 3.40% APYOct 14, 2026Oct 25, 2026
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
New Money 3-Month CD
$1,000
3.40% ▲ 1.77% above Indiana avg
View
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average1.63%▲ 1.77% above avgNationally 2.13%
Details

New money: funds not on deposit with Centier Bank in the last 90 days; Open Online

Rate History
No change since Oct 20, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 20, 2026: 3.40% APYOct 20, 2026Oct 25, 2026
Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
3 Month Companion CD
$0
3.40% ▲ 1.77% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average1.63%▲ 1.77% above avgNationally 2.13%
Details

Available with a Lake City Bank checking account

Rate History
No change since Sep 9, 2026 · 3.40% APY · checked 10 times
2.90%3.40%3.90%Sep 9, 2026: 3.40% APYSep 9, 2026Oct 25, 2026
First Community State Bank Avilla, IN
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Certificate of Deposit - 3 Month
$0
3.35% ▲ 1.72% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average1.63%▲ 1.72% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 14, 2026: 3.35% APYOct 14, 2026Oct 25, 2026
Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3 Month CD
$500
3.30% ▲ 1.67% above Indiana avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average1.63%▲ 1.67% above avgNationally 2.13%
Details

Balance Required to Attain Yield: $500; Interest paid: Monthly

Rate History
No change since Sep 19, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 19, 2026: 3.30% APYSep 19, 2026Oct 25, 2026
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Share Certificate - 3 Months
$0
3.29% ▲ 1.66% above Indiana avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.63%▲ 1.66% above avgNationally 2.13%
Details

Balance: $1,000 - $49,999

Rate History
No change since Oct 19, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 19, 2026: 3.29% APYOct 19, 2026Oct 25, 2026
Afena Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
3 Month Share Certificate
$0
2.55% ▲ 0.92% above Indiana avg
View
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 0.92% above avgNationally 2.13%
Details

Min. Deposit $100,000

Rate History
No change since Oct 5, 2026 · 2.55% APY · checked 5 times
2.05%2.55%3.05%Oct 5, 2026: 2.55% APYOct 5, 2026Oct 25, 2026
Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
3 Month Certificate
$500
2.50% ▲ 0.87% above Indiana avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 0.87% above avgNationally 2.13%
Details

Early withdrawal penalty: equivalent of 30 days' dividends

Rate History
1 change since Sep 20, 2026 · 2.00% → 2.50% ▲ 0.50 pts · high 2.50% / low 2.00%
1.50%2.25%3.00%Sep 20, 2026: 2.00% APYOct 15, 2026: 2.50% APYSep 20, 2026Oct 25, 2026
  • Oct 15, 20262.50%▲ from 2.00%
  • Sep 20, 20262.00%first recorded
Thrive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
Share Certificate - 3 Months
$0
2.50% ▲ 0.87% above Indiana avg
View
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 0.87% above avgNationally 2.13%
Details

Rate History
No change since Oct 8, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 8, 2026: 2.50% APYOct 8, 2026Oct 25, 2026
Afena Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
3 Month Share Certificate
$0
2.40% ▲ 0.77% above Indiana avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 0.77% above avgNationally 2.13%
Details

Min. Deposit $250

Rate History
No change since Oct 5, 2026 · 2.40% APY · checked 5 times
1.90%2.40%2.90%Oct 5, 2026: 2.40% APYOct 5, 2026Oct 25, 2026
STAR Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
Certificate of Deposit - 3 Months
$0
2.35% ▲ 0.72% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average1.63%▲ 0.72% above avgNationally 2.13%
Details

Compound Frequency: At Maturity; APY requires active STAR checking relationship; penalty may apply for early withdrawal

Rate History
No change since Oct 20, 2026 · 2.35% APY · checked 2 times
1.85%2.35%2.85%Oct 20, 2026: 2.35% APYOct 20, 2026Oct 25, 2026
LNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Certificate of Deposit - 3 Months
$2,500
2.01% ▲ 0.38% above Indiana avg
View
▼
Rate2.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average1.63%▲ 0.38% above avgNationally 2.13%
Details

Rate History
No change since Oct 20, 2026 · 2.01% APY · checked 2 times
1.51%2.01%2.51%Oct 20, 2026: 2.01% APYOct 20, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3 Month Certificate of Deposit
$500
2.00% ▲ 0.37% above Indiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average1.63%▲ 0.37% above avgNationally 2.13%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3 Month Certificate
$500
2.00% ▲ 0.37% above Indiana avg
View
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 0.37% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
Perfect Circle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month CD
$0
1.76% ▲ 0.13% above Indiana avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.63%▲ 0.13% above avgNationally 2.13%
Details

Rate History
1 change since Sep 14, 2026 · 1.51% → 1.76% ▲ 0.25 pts · high 1.76% / low 1.51%
1.01%1.63%2.26%Sep 14, 2026: 1.51% APYSep 22, 2026: 1.76% APYSep 14, 2026Oct 25, 2026
  • Sep 22, 20261.76%▲ from 1.51%
  • Sep 14, 20261.51%first recorded
Perfect Circle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month IRA CD
$0
1.76% ▲ 0.13% above Indiana avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.63%▲ 0.13% above avgNationally 2.13%
Details

Rate History
1 change since Sep 14, 2026 · 1.51% → 1.76% ▲ 0.25 pts · high 1.76% / low 1.51%
1.01%1.63%2.26%Sep 14, 2026: 1.51% APYOct 10, 2026: 1.76% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20261.76%▲ from 1.51%
  • Sep 14, 20261.51%first recorded
Haynes Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
Share Certificate - 3 Month
$0
1.75% ▲ 0.12% above Indiana avg
View
▼
Rate1.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 0.12% above avgNationally 2.13%
Details

Effective Date: 02/01/2026; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 12, 2026 · 1.75% APY · checked 4 times
1.25%1.75%2.25%Oct 12, 2026: 1.75% APYOct 12, 2026Oct 25, 2026
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.21%
3 Month Certificate
$500
1.75% ▲ 0.12% above Indiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 0.12% above avgNationally 2.13%
Details

Share Certificate; Min Deposit of $500

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 8 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 25, 2026
Financial Builders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
Share Certificates - 3 months
$0
1.63% At Indiana avg
View
▼
Rate1.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%At the averageNationally 2.13%
Details

Rates effective 08/20/2026

Rate History
No change since Sep 21, 2026 · 1.63% APY · checked 6 times
1.13%1.63%2.13%Sep 21, 2026: 1.63% APYSep 21, 2026Oct 25, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 3 Months - With Bonus Rate
$0
1.60% ▼ 0.03% below Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▼ 0.03% below avgNationally 2.13%
Details

Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal

Rate History
No change since Oct 23, 2026 · 1.60% APY
1.10%1.60%2.10%Oct 23, 2026: 1.60% APYOct 23, 2026Oct 25, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 3 Months - Bonus Rate
$0
1.60% ▼ 0.03% below Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▼ 0.03% below avgNationally 2.13%
Details

Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate

Rate History
No change since Oct 23, 2026 · 1.60% APY
1.10%1.60%2.10%Oct 23, 2026: 1.60% APYOct 23, 2026Oct 25, 2026
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Standard Term Certificate - 3 Months
$10,000
1.56% ▼ 0.07% below Indiana avg
View
▼
Rate1.55%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▼ 0.07% below avgNationally 2.13%
Details

Rate History
No change since Oct 9, 2026 · 1.56% APY · checked 4 times
1.06%1.56%2.06%Oct 9, 2026: 1.56% APYOct 9, 2026Oct 25, 2026
SOLIDARITY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
3 Month Certificate
$500
1.55% ▼ 0.08% below Indiana avg
View
▼
Rate1.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.63%▼ 0.08% below avgNationally 2.13%
Details

Dividends compounded and credited monthly

Rate History
No change since Sep 14, 2026 · 1.55% APY · checked 8 times
1.05%1.55%2.05%Sep 14, 2026: 1.55% APYSep 14, 2026Oct 25, 2026
Fowler State Bank Fowler, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Certificate of Deposit - 3 months
$1
1.51% ▼ 0.12% below Indiana avg
View
▼
Rate1.50%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average1.63%▼ 0.12% below avgNationally 2.13%
Details

Compounding: Maturity

Rate History
No change since Oct 14, 2026 · 1.51% APY · checked 2 times
1.01%1.51%2.01%Oct 14, 2026: 1.51% APYOct 14, 2026Oct 25, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 3 Months
$0
1.50% ▼ 0.13% below Indiana avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▼ 0.13% below avgNationally 2.13%
Details

Effective Date: October 01, 2026; A penalty may be charged for early withdrawal

Rate History
No change since Oct 12, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 12, 2026: 1.50% APYOct 12, 2026Oct 25, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 3 Months
$0
1.50% ▼ 0.13% below Indiana avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▼ 0.13% below avgNationally 2.13%
Details

Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply

Rate History
No change since Oct 15, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 15, 2026: 1.50% APYOct 15, 2026Oct 25, 2026
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
Term Share Certificate - 3 Month
$0
1.30% ▼ 0.33% below Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▼ 0.33% below avgNationally 2.13%
Details

Rate History
No change since Oct 5, 2026 · 1.30% APY · checked 3 times
0.80%1.30%1.80%Oct 5, 2026: 1.30% APYOct 5, 2026Oct 25, 2026
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Business Share Certificate - 3 Months
$10,000
1.26% ▼ 0.37% below Indiana avg
View
▼
Rate1.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▼ 0.37% below avgNationally 2.13%
Details

Rate History
No change since Oct 9, 2026 · 1.26% APY · checked 4 times
0.76%1.26%1.76%Oct 9, 2026: 1.26% APYOct 9, 2026Oct 25, 2026
Evansville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
Certificate - 3 Month
$1,000
1.26% ▼ 0.37% below Indiana avg
View
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▼ 0.37% below avgNationally 2.13%
Details

Dividend Rate 1.25%; early withdrawal penalty of 90 days of earned or unearned interest

Rate History
No change since Oct 13, 2026 · 1.26% APY · checked 3 times
0.76%1.26%1.76%Oct 13, 2026: 1.26% APYOct 13, 2026Oct 25, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Certificate 3 Month
$0
1.25% ▼ 0.38% below Indiana avg
View
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▼ 0.38% below avgNationally 2.13%
Details

Certificate Rates; fixed rate certificate

Rate History
No change since Sep 25, 2026 · 1.25% APY · checked 6 times
0.75%1.25%1.75%Sep 25, 2026: 1.25% APYSep 25, 2026Oct 25, 2026
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
3 Month Certificate
$10,000
1.21% ▼ 0.42% below Indiana avg
View
▼
Rate1.20%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.63%▼ 0.42% below avgNationally 2.13%
Details

Rate History
No change since Oct 9, 2026 · 1.21% APY · checked 2 times
0.71%1.21%1.71%Oct 9, 2026: 1.21% APYOct 9, 2026Oct 25, 2026
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
3 Month Term Share Certificate
$0
1.15% ▼ 0.48% below Indiana avg
View
▼
Rate1.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.63%▼ 0.48% below avgNationally 2.13%
Details

Dividend Period: Maturity

Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 6 times
0.65%1.15%1.65%Sep 14, 2026: 1.15% APYSep 14, 2026Oct 25, 2026
Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3 Month VIP Certificate
$10,000
1.01% ▼ 0.62% below Indiana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▼ 0.62% below avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 1.01% APY · checked 6 times
0.51%1.01%1.51%Sep 14, 2026: 1.01% APYSep 14, 2026Oct 25, 2026
Bank of Wolcott
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Month CD
$5,000
1.00% ▼ 0.63% below Indiana avg
View
▼
Rate1.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average1.63%▼ 0.63% below avgNationally 2.13%
Details

Compounding: Quarterly

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 9 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 25, 2026
Alliance Bank IN
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
90 Day CD
$1,000
1.00% ▼ 0.63% below Indiana avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average1.63%▼ 0.63% below avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 25, 2026

Ashley 6 Month CD Rates

Indiana 6 Month CD Average2.69% APYNational 2.78%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Midwest Family Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
Loyalty Certificate Promo - 6 Months
$0
4.59% ▲ 1.90% above Indiana avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.90% above avgNationally 2.78%
Details

Requirements for LOYALTY CERTIFICATE PROMO: Checking and Savings account, Debit card and must currently have Direct Deposit. Money must be new to MWFFCU.; APR column printed as 4.50%; Penalty for Early Withdrawal is loss of 90 days dividends

Rate History
No change since Sep 14, 2026 · 4.59% APY · checked 2 times
4.09%4.59%5.09%Sep 14, 2026: 4.59% APYSep 14, 2026Oct 25, 2026
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6 Month Term Certificates
$0
4.50% ▲ 1.81% above Indiana avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.81% above avgNationally 2.78%
Details

Dividends paid monthly

Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 25, 2026
U S #1364 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Share Certificate - 6 Month
$500
4.25% ▲ 1.56% above Indiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.56% above avgNationally 2.78%
Details

APY compounded; rates subject to change

Rate History
No change since Sep 25, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 25, 2026: 4.25% APYSep 25, 2026Oct 25, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 6 Months
$500
4.24% ▲ 1.55% above Indiana avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.55% above avgNationally 2.78%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.24% APY · checked 2 times
3.74%4.24%4.74%Oct 15, 2026: 4.24% APYOct 15, 2026Oct 25, 2026
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6-Month CD
$1,000
4.15% ▲ 1.46% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.46% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 16, 2026 · 4.35% → 4.15% ▼ 0.20 pts · high 4.40% / low 4.15%
3.65%4.28%4.90%Sep 16, 2026: 4.35% APYOct 12, 2026: 4.40% APYOct 22, 2026: 4.15% APYSep 16, 2026Oct 25, 2026
  • Oct 22, 20264.15%▼ from 4.40%
  • Oct 12, 20264.40%▲ from 4.35%
  • Sep 16, 20264.35%first recorded
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
6 Month Certificate
$500
4.15% ▲ 1.46% above Indiana avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.46% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 2.50% → 4.15% ▲ 1.65 pts · high 4.15% / low 2.50%
0.85%3.33%5.80%Sep 14, 2026: 2.50% APYOct 23, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.15%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
6 Month Term Certificate of Deposit
$1,000
4.13% ▲ 1.44% above Indiana avg
View
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.44% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 9 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 25, 2026
HNB of Thorntown
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Jumbo Certificate of Deposit - 6 months
$1,000
4.11% ▲ 1.42% above Indiana avg
View
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.42% above avgNationally 2.78%
Details

Jumbo rate applies to balances of $100,000.00 and over

Rate History
No change since Oct 22, 2026 · 4.11% APY · checked 2 times
3.61%4.11%4.61%Oct 22, 2026: 4.11% APYOct 22, 2026Oct 25, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
6 Month Share Certificate
$500
4.10% ▲ 1.41% above Indiana avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.41% above avgNationally 2.78%
Details

Balance: $500 - $20,000

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 9 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month Business CD
$2,500
4.10% ▲ 1.41% above Indiana avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.41% above avgNationally 2.78%
Details

APY accurate as of 10/22/2026; maximum deposit $10 million; not available for public units; limited-time offer; early withdrawal penalties apply

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month CD
$2,500
4.10% ▲ 1.41% above Indiana avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.41% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
TLCU Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
6 MONTH CERTIFICATE
$0
4.07% ▲ 1.38% above Indiana avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.38% above avgNationally 2.78%
Details

Rate History
No change since Oct 22, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 22, 2026: 4.07% APYOct 22, 2026Oct 25, 2026
HNB of Thorntown
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Certificate of Deposit - 6 months
$1,000
4.06% ▲ 1.37% above Indiana avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.37% above avgNationally 2.78%
Details

Rate History
No change since Oct 22, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 22, 2026: 4.06% APYOct 22, 2026Oct 25, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificate of Deposit - 6 Month
$1,000
4.00% ▲ 1.31% above Indiana avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details

Partial withdrawals allowed; APY as of 10/20/2026

Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 21, 2026: 4.00% APYOct 21, 2026Oct 25, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 6 Month
$1,000
4.00% ▲ 1.31% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 21, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 6-Month
$1,000
4.00% ▲ 1.31% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA Certificate - 6-Month
$1,000
4.00% ▲ 1.31% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details

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

Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 21, 2026: 4.00% APYOct 21, 2026Oct 25, 2026
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
CD Specials - 6 Month
$0
4.00% ▲ 1.31% above Indiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details

CD Specials

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Certificate of Deposit - 6 Month
$10,000
4.00% ▲ 1.31% above Indiana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details

New accounts only with $10,000 new money deposit; offers effective 4/20/26; early withdrawal penalty applies

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month CD
$500
4.00% ▲ 1.31% above Indiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 25, 2026
Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month IRA
$500
4.00% ▲ 1.31% above Indiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 25, 2026
Financial Health Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
6-Month CD
$500
4.00% ▲ 1.31% above Indiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details

Featured on homepage promo card; Request your CD today!

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
6 Month Share Certificate
$0
4.00% ▲ 1.31% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details

Balance: $50,000 & up; Dividends Paid Monthly

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
IRA 6 Month Term
$1,000
4.00% ▲ 1.31% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details

Traditional and Roth IRA; APY effective as of October 1, 2026

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 25, 2026
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
Share Certificate - 6 Month Term
$1,000
4.00% ▲ 1.31% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details

Minimum deposit $1,000 to open (primary members under 18: $500); minimum $500 balance to earn dividends; APY effective as of October 1, 2026; penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 25, 2026
Community Link Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
6 Month Share Certificate - Limited Time Special
$0
4.00% ▲ 1.31% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details

Balance: $500 & Over; Minimum deposit of $500; Must have eStatements to be eligible for special certificate rates; Rate Guard does not apply to this offer; Account subject to penalty for early withdrawal; CLFCU membership requirements apply; Limited time only; As of 9/28/26

Rate History
No change since Oct 22, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
6 Month Certificate
$0
4.00% ▲ 1.31% above Indiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details

Certificates of Deposit effective May 28, 2025

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 25, 2026
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
6 Month Certificate
$500
4.00% ▲ 1.31% above Indiana avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details

Rates as of 10/1/2026

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYOct 19, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
VULCRAFT EMPLOYEES
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
6 Month Certificate
$2,000
4.00% ▲ 1.31% above Indiana avg
View
▼
Rate4.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details

Minimum $2,000.00; Div. Rate 4.00%; APY 4.00%; Rates as of March 3, 2025

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
Summit Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Certificate - 6 months
$0
3.95% ▲ 1.26% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.26% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Sep 14, 2026: 3.70% APYOct 5, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.95%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
6 Mo. Certificate
$1,000
3.92% ▲ 1.23% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 1.23% above avgNationally 2.78%
Details

Dividends compounded monthly

Rate History
1 change since Sep 18, 2026 · 3.66% → 3.93% ▲ 0.26 pts · high 3.93% / low 3.66%
3.16%3.79%4.43%Sep 18, 2026: 3.66% APYOct 14, 2026: 3.93% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20263.93%▲ from 3.66%
  • Sep 18, 20263.66%first recorded
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
Fixed Rate CD - 6 Month
$1,000
3.82% ▲ 1.13% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.69%▲ 1.13% above avgNationally 2.78%
Details

Must maintain minimum balance of $1000 every day to earn APY; Penalty may be imposed for early withdrawal; APY accurate as of 09/17/2026; Open Fixed Rate CD online

Rate History
No change since Oct 7, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 7, 2026: 3.82% APYOct 7, 2026Oct 25, 2026
Encompass Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.86%
Certificates of Deposits - 6 Month
$0
3.82% ▲ 1.13% above Indiana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.13% above avgNationally 2.78%
Details

A Regular Savings Account is required; penalties for early withdrawal may apply

Rate History
No change since Oct 12, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 25, 2026
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Share Certificates - 6 Months
$0
3.80% ▲ 1.11% above Indiana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 1.11% above avgNationally 2.78%
Details

Balance: $50,000 & Over

Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 25, 2026
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Share Certificate - 6 months
$0
3.76% ▲ 1.07% above Indiana avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.07% above avgNationally 2.78%
Details

Share certificates as of October 22, 2025; early withdrawal penalty applies; certificate yields assume dividends compounded monthly

Rate History
No change since Oct 22, 2026 · 3.76% APY
3.26%3.76%4.26%Oct 22, 2026: 3.76% APYOct 22, 2026Oct 25, 2026
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6 Month CD
$500
3.75% ▲ 1.06% above Indiana avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.69%▲ 1.06% above avgNationally 2.78%
Details

Certificates of Deposit; Minimum balance to obtain APY: $500

Rate History
No change since Sep 9, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 9, 2026: 3.75% APYSep 9, 2026Oct 25, 2026
FSB New Madison, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
CD Specials - 6 Months
$1,000
3.75% ▲ 1.06% above Indiana avg
View
▼
Rate3.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.69%▲ 1.06% above avgNationally 2.78%
Details

Minimum deposit $1000 for CDs, $500 for CD IRAs; APY accurate as of 10/1/2026; available for a limited time

Rate History
No change since Oct 3, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 3, 2026: 3.75% APYOct 3, 2026Oct 25, 2026
Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
6 Month Certificate
$500
3.75% ▲ 1.06% above Indiana avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.06% above avgNationally 2.78%
Details

Early withdrawal penalty: equivalent of 30 days' dividends

Rate History
1 change since Sep 20, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 20, 2026: 3.50% APYOct 15, 2026: 3.75% APYSep 20, 2026Oct 25, 2026
  • Oct 15, 20263.75%▲ from 3.50%
  • Sep 20, 20263.50%first recorded
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
6 Month Youth Share Certificate
$50
3.75% ▲ 1.06% above Indiana avg
View
▼
Rate3.70%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.06% above avgNationally 2.78%
Details

Available to members ages 17 & younger; Maximum original principal balance of $5,000; Youth Share Certificate: $50 minimum balance required

Rate History
No change since Oct 5, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Oct 5, 2026: 3.75% APYOct 5, 2026Oct 25, 2026
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Youth Share Certificates - 6 Months
$0
3.75% ▲ 1.06% above Indiana avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.06% above avgNationally 2.78%
Details

Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Oct 25, 2026
Montana Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
Share Certificate - 6 months
$1,000
3.75% ▲ 1.06% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 1.06% above avgNationally 2.78%
Details

$1,000 minimum deposit. Penalty for early withdrawal.

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 14, 2026: 3.60% APYOct 19, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.75%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
6 Month Certificate
$0
3.75% ▲ 1.06% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 1.06% above avgNationally 2.78%
Details

Certificates ($1,000 Minimum)

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
RBMAX
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - 6 Month
$1,000
3.70% ▲ 1.01% above Indiana avg
View
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.69%▲ 1.01% above avgNationally 2.78%
Details

Partial withdrawals allowed; $100,000 maximum deposit per CD product; Annual Percentage Yield as of 10/19/2026

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 8 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 25, 2026
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6 Month Certificates
$0
3.70% ▲ 1.01% above Indiana avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 1.01% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
Eastern Indiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
6 Month Certificate
$500
3.68% ▲ 0.99% above Indiana avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.99% above avgNationally 2.78%
Details

Early Withdrawal Penalty: forfeit 90 days dividend

Rate History
No change since Sep 12, 2026 · 3.68% APY · checked 10 times
3.18%3.68%4.18%Sep 12, 2026: 3.68% APYSep 12, 2026Oct 25, 2026
Dubois-Pike Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
6 Month Share Certificate
$1,000
3.68% ▲ 0.99% above Indiana avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.99% above avgNationally 2.78%
Details

$1,000 minimum deposit

Rate History
1 change since Sep 14, 2026 · 3.53% → 3.68% ▲ 0.15 pts · high 3.68% / low 3.53%
3.03%3.60%4.18%Sep 14, 2026: 3.53% APYOct 13, 2026: 3.68% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20263.68%▲ from 3.53%
  • Sep 14, 20263.53%first recorded
Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Certificate of Deposit - 92-180 day
$500
3.65% ▲ 0.96% above Indiana avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.69%▲ 0.96% above avgNationally 2.78%
Details

Early withdrawal penalty may apply

Rate History
No change since Oct 21, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 21, 2026: 3.65% APYOct 21, 2026Oct 25, 2026
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Certificates of Deposit - 6 Month
$500
3.65% ▲ 0.96% above Indiana avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.96% above avgNationally 2.78%
Details

Rates effective as of 2/9/2026

Rate History
No change since Oct 15, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 15, 2026: 3.65% APYOct 15, 2026Oct 25, 2026
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
6 Month Share Certificates
$0
3.65% ▲ 0.96% above Indiana avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.96% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Share Certificate - 6 Months
$500
3.65% ▲ 0.96% above Indiana avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.96% above avgNationally 2.78%
Details

Rate History
No change since Oct 15, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 15, 2026: 3.65% APYOct 15, 2026Oct 25, 2026

Ashley 12 Month CD Rates

Indiana 12 Month CD Average2.82% APYNational 2.99%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
502 S Gonser Ave, Ashley, IN 46705
12 Month IRA CD
$500
1.10% ▼ 1.72% below Indiana avg
View
▼
Rate1.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▼ 1.72% below avgNationally 2.99%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 8 times
0.60%1.10%1.60%Sep 14, 2026: 1.10% APYSep 14, 2026Oct 25, 2026
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
502 S Gonser Ave, Ashley, IN 46705
12 Month Regular
$500
1.00% ▼ 1.82% below Indiana avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▼ 1.82% below avgNationally 2.99%
Details

Regular Rates; early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 8 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 25, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
12-Month IRA
$0
4.60% ▲ 1.78% above Indiana avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.78% above avgNationally 2.99%
Details

Rate History
1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
3.56%4.34%5.12%Sep 16, 2026: 4.08% APYOct 8, 2026: 4.60% APYSep 16, 2026Oct 25, 2026
  • Oct 8, 20264.60%▲ from 4.08%
  • Sep 16, 20264.08%first recorded
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
12-Month IRA Certificate - Premier Member
$500
4.50% ▲ 1.68% above Indiana avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.68% above avgNationally 2.99%
Details

Premier Member rate; minimum balance to open an IRA certificate is $500

Rate History
No change since Oct 23, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 23, 2026: 4.50% APYOct 23, 2026Oct 25, 2026
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
IRA Certificate - 12 Month
$0
4.50% ▲ 1.68% above Indiana avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.68% above avgNationally 2.99%
Details

Effective Date: 10/1/2026; Minimum balance to earn is $1,000 for IRA

Rate History
No change since Oct 19, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 19, 2026: 4.50% APYOct 19, 2026Oct 25, 2026
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Standard Certificate - 12 Month
$0
4.50% ▲ 1.68% above Indiana avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.68% above avgNationally 2.99%
Details

Effective Date: 10/1/2026

Rate History
No change since Oct 19, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 19, 2026: 4.50% APYOct 19, 2026Oct 25, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 12 Months
$500
4.39% ▲ 1.57% above Indiana avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.57% above avgNationally 2.99%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 15, 2026: 4.39% APYOct 15, 2026Oct 25, 2026
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
12 Month IRA Certificate
$2,500
4.33% ▲ 1.51% above Indiana avg
View
▼
Rate4.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.51% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYOct 15, 2026: 4.33% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Hoosier United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
12 Month Youth CD
$0
4.32% ▲ 1.50% above Indiana avg
View
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.50% above avgNationally 2.99%
Details

Ages: 0-18; only eligible for members newborn to 18 years old; opening balance $100; maximum balance $25,000; may be eligible for annual bonus; early withdrawal penalty applies

Rate History
1 change since Oct 14, 2026 · 4.27% → 4.32% ▲ 0.05 pts · high 4.32% / low 4.27%
3.77%4.30%4.82%Oct 14, 2026: 4.27% APYOct 19, 2026: 4.32% APYOct 14, 2026Oct 25, 2026
  • Oct 19, 20264.32%▲ from 4.27%
  • Oct 14, 20264.27%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month Business CD
$500
4.30% ▲ 1.48% above Indiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.48% above avgNationally 2.99%
Details

APY accurate as of 10/22/2026; maximum deposit $10 million; not available for public units; limited-time offer; early withdrawal penalties apply

Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month CD
$500
4.30% ▲ 1.48% above Indiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.48% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.30%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
12 Month Term Certificate of Deposit
$1,000
4.28% ▲ 1.46% above Indiana avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.46% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.28% ▲ 0.26 pts · high 4.28% / low 4.02%
3.52%4.15%4.78%Sep 14, 2026: 4.02% APYOct 15, 2026: 4.28% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.28%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
12-Month IRA Certificate
$500
4.25% ▲ 1.43% above Indiana avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.43% above avgNationally 2.99%
Details

Non-premier member rate; minimum balance to open an IRA certificate is $500

Rate History
No change since Oct 23, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 25, 2026
South Bend Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
12 Month Certificate
$1,000
4.25% ▲ 1.43% above Indiana avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.43% above avgNationally 2.99%
Details

Certificates effective 01/29/2026; Early withdrawal penalty: forfeit 180 days dividend

Rate History
2 changes since Sep 14, 2026 · 3.87% → 4.25% ▲ 0.38 pts · high 4.25% / low 3.87%
3.37%4.06%4.75%Sep 14, 2026: 3.87% APYSep 21, 2026: 4.01% APYOct 15, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.25%▲ from 4.01%
  • Sep 21, 20264.01%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Community Link Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
12 Month Share Certificate - Limited Time Special
$0
4.25% ▲ 1.43% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.43% above avgNationally 2.99%
Details

Balance: $500 & Over; Minimum deposit of $500; Must have eStatements to be eligible for special certificate rates; Rate Guard does not apply to this offer; Account subject to penalty for early withdrawal; CLFCU membership requirements apply; Limited time only; As of 9/28/26

Rate History
No change since Oct 22, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026
Montana Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
Share Certificate - 1 year
$1,000
4.25% ▲ 1.43% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.43% above avgNationally 2.99%
Details

$1,000 minimum deposit. Penalty for early withdrawal.

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Savers Certificate - 12 Months
$50
4.18% ▲ 1.36% above Indiana avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.36% above avgNationally 2.99%
Details

Dividend Rate: T-Bill + 0.00%; Rate Type: Variable

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
3.37%4.03%4.68%Sep 14, 2026: 3.87% APYOct 5, 2026: 4.18% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.18%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
12 Month Certificate
$500
4.15% ▲ 1.33% above Indiana avg
View
▼
Rate4.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.33% above avgNationally 2.99%
Details

Rates as of 10/1/2026

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYOct 19, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
12 Month Promo CD Special
$0
4.10% ▲ 1.28% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.28% above avgNationally 2.99%
Details

Open in Minutes; Rates may vary by zip code

Rate History
No change since Oct 22, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 22, 2026: 4.10% APYOct 22, 2026Oct 25, 2026
Summit Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Certificate Special - 12 months
$0
4.10% ▲ 1.28% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.28% above avgNationally 2.99%
Details

Specials

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 18, 2026: 4.00% APYOct 23, 2026: 4.10% APYSep 18, 2026Oct 25, 2026
  • Oct 23, 20264.10%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
12 Month Certificate
$1,000
4.05% ▲ 1.23% above Indiana avg
View
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.82%▲ 1.23% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 25, 2026
Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1-Year CD
$500
4.05% ▲ 1.23% above Indiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.23% above avgNationally 2.99%
Details

Rate History
No change since Sep 25, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 25, 2026: 4.05% APYSep 25, 2026Oct 25, 2026
Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1-Year IRA
$500
4.05% ▲ 1.23% above Indiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.23% above avgNationally 2.99%
Details

Rate History
No change since Sep 25, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 25, 2026: 4.05% APYSep 25, 2026Oct 25, 2026
LNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Certificate of Deposit - 1 Year Relationship
$500
4.04% ▲ 1.22% above Indiana avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.82%▲ 1.22% above avgNationally 2.99%
Details

Relationship certificate

Rate History
1 change since Oct 14, 2026 · 4.00% → 4.04% ▲ 0.04 pts · high 4.04% / low 4.00%
3.50%4.02%4.54%Oct 14, 2026: 4.00% APYOct 20, 2026: 4.04% APYOct 14, 2026Oct 25, 2026
  • Oct 20, 20264.04%▲ from 4.00%
  • Oct 14, 20264.00%first recorded
HNB of Thorntown
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Jumbo Certificate of Deposit - 12 months
$1,000
4.01% ▲ 1.19% above Indiana avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.19% above avgNationally 2.99%
Details

Jumbo rate applies to balances of $100,000.00 and over

Rate History
No change since Oct 22, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 22, 2026: 4.01% APYOct 22, 2026Oct 25, 2026
First Internet Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
12 Month Certificate of Deposit
$0
4.00% ▲ 1.18% above Indiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details

Interest rate 3.93%; APY based on interest remaining in account until maturity; interest compounded monthly; early withdrawal penalty 180 days of interest; 60 day hold on ACH funds

Rate History
1 change since Sep 9, 2026 · 3.67% → 4.00% ▲ 0.33 pts · high 4.00% / low 3.67%
3.17%3.84%4.50%Sep 9, 2026: 3.67% APYOct 22, 2026: 4.00% APYSep 9, 2026Oct 25, 2026
  • Oct 22, 20264.00%▲ from 3.67%
  • Sep 9, 20263.67%first recorded
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Business Step Up Certificates - 1 Year
$1,000
4.00% ▲ 1.18% above Indiana avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details

Penalty for early withdrawal. Fees may reduce earnings. Minimum $1000.00 deposit.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
Community State Bank Brook, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
Special 12 Month CD
$5,000
4.00% ▲ 1.18% above Indiana avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details

Special certificate; $5,000 minimum opening deposit; Penalties for early withdrawal apply; Effective as of 10/5/2026

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 8, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 8, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
CD Specials - 12 Month
$0
4.00% ▲ 1.18% above Indiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details

CD Specials

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Certificate of Deposit - 12 Month
$10,000
4.00% ▲ 1.18% above Indiana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details

New accounts only with $10,000 new money deposit; offers effective 4/20/26; early withdrawal penalty applies

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
PrimeTrust Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
1 Year Share Certificate
$1,000
4.00% ▲ 1.18% above Indiana avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details

No rate bump available

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 25, 2026
PrimeTrust Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
IRA Certificate 1 Year
$1,000
4.00% ▲ 1.18% above Indiana avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details

not eligible for Direct Deposit discount; Rates Effective as of 01/05/2026

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
12 Month Certificate
$500
4.00% ▲ 1.18% above Indiana avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 18, 2026: 3.25% APYOct 23, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
  • Oct 23, 20264.00%▲ from 3.25%
  • Sep 18, 20263.25%first recorded
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Traditional and Roth IRA 12 Months
$1,000
4.00% ▲ 1.18% above Indiana avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details

Traditional and Roth IRA fixed rate; dividend rate compounded quarterly; membership at ProFed is required

Rate History
1 change since Oct 15, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Oct 15, 2026: 3.25% APYOct 23, 2026: 4.00% APYOct 15, 2026Oct 25, 2026
  • Oct 23, 20264.00%▲ from 3.25%
  • Oct 15, 20263.25%first recorded
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
12 Month Share Certificate
$500
4.00% ▲ 1.18% above Indiana avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details

Balance: $500 - $20,000

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 25, 2026
Summit Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Certificate - 12 months
$0
4.00% ▲ 1.18% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 14, 2026: 3.70% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.00%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
12 Month Share Certificate
$0
4.00% ▲ 1.18% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details

Balance: $50,000 & up; Dividends Paid Monthly

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
12 Month Youth Share Certificates
$0
4.00% ▲ 1.18% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details

Balance: Under $10,000; APY shown as 4.00% + Youth Bonus (bonus amount not stated)

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 25, 2026
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
12 Month IRA Share Certificate
$500
4.00% ▲ 1.18% above Indiana avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details

IRA Share Certificate; Dividend rates declared monthly; IRA may be assessed an Annual Fee, Transfer Fee, and Termination Fee

Rate History
1 change since Oct 14, 2026 · 4.10% → 4.00% ▼ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Oct 14, 2026: 4.10% APYOct 19, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
  • Oct 19, 20264.00%▼ from 4.10%
  • Oct 14, 20264.10%first recorded
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
12 Month Share Certificate
$500
4.00% ▲ 1.18% above Indiana avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details

Dividend rates declared monthly

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
HNB of Thorntown
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Certificate of Deposit - 12 months
$1,000
3.96% ▲ 1.14% above Indiana avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.14% above avgNationally 2.99%
Details

Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 22, 2026: 3.96% APYOct 22, 2026Oct 25, 2026
Napoleon State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.53%
1 Year Certificate of Deposit
$0
3.95% ▲ 1.13% above Indiana avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.82%▲ 1.13% above avgNationally 2.99%
Details

Balance: $50,000 and over; Rates Effective: October 21, 2026

Rate History
No change since Oct 7, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 7, 2026: 3.95% APYOct 7, 2026Oct 25, 2026
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
12 Mo. Certificate
$1,000
3.92% ▲ 1.10% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.10% above avgNationally 2.99%
Details

Dividends compounded monthly

Rate History
1 change since Sep 18, 2026 · 3.71% → 3.93% ▲ 0.21 pts · high 3.93% / low 3.71%
3.21%3.82%4.43%Sep 18, 2026: 3.71% APYOct 14, 2026: 3.93% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20263.93%▲ from 3.71%
  • Sep 18, 20263.71%first recorded
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
12 Month Youth Share Certificate
$50
3.91% ▲ 1.09% above Indiana avg
View
▼
Rate3.85%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.09% above avgNationally 2.99%
Details

Available to members ages 17 & younger; Maximum original principal balance of $5,000; Youth Share Certificate: $50 minimum balance required

Rate History
No change since Oct 5, 2026 · 3.91% APY · checked 5 times
3.41%3.91%4.41%Oct 5, 2026: 3.91% APYOct 5, 2026Oct 25, 2026
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Youth Share Certificates - 12 Months
$0
3.91% ▲ 1.09% above Indiana avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.09% above avgNationally 2.99%
Details

Rate History
No change since Oct 15, 2026 · 3.91% APY · checked 2 times
3.41%3.91%4.41%Oct 15, 2026: 3.91% APYOct 15, 2026Oct 25, 2026
Napoleon State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.53%
1 Year Certificate of Deposit
$500
3.90% ▲ 1.08% above Indiana avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.82%▲ 1.08% above avgNationally 2.99%
Details

Minimum $500.00; Rates Effective: October 21, 2026

Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 7, 2026: 3.90% APYOct 7, 2026Oct 25, 2026
Fortress Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
12 Month Certificate
$1,000
3.87% ▲ 1.05% above Indiana avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.05% above avgNationally 2.99%
Details

Early Withdrawal Penalty: forfeit 90 days dividend; Share Certificates subject to early withdrawal penalty

Rate History
No change since Sep 12, 2026 · 3.87% APY · checked 10 times
3.37%3.87%4.37%Sep 12, 2026: 3.87% APYSep 12, 2026Oct 25, 2026
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Share Certificate - 12 months
$0
3.87% ▲ 1.05% above Indiana avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.05% above avgNationally 2.99%
Details

Share certificates as of October 22, 2025; early withdrawal penalty applies; certificate yields assume dividends compounded monthly

Rate History
No change since Oct 22, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 22, 2026: 3.87% APYOct 22, 2026Oct 25, 2026
Financial Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
12 Month IRA
$0
3.85% ▲ 1.03% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.03% above avgNationally 2.99%
Details

Minimum balance required on all IRA Certificates is $250

Rate History
No change since Oct 23, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 23, 2026: 3.85% APYOct 23, 2026Oct 25, 2026
LNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Certificate of Deposit - 12 Months
$500
3.82% ▲ 1.00% above Indiana avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.82%▲ 1.00% above avgNationally 2.99%
Details

Rate History
No change since Oct 20, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 20, 2026: 3.82% APYOct 20, 2026Oct 25, 2026

Ashley 18 Month CD Rates

Indiana 18 Month CD Average2.64% APYNational 2.88%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
502 S Gonser Ave, Ashley, IN 46705
18 Month Certificate Special
$1,000
3.50% ▲ 0.86% above Indiana avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 0.86% above avgNationally 2.88%
Details

Special Rates; Early withdrawal penalty may apply; Requires Garrett State Bank deposit account with direct deposit

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 14, 2026: 3.25% APYOct 15, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20263.50%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
502 S Gonser Ave, Ashley, IN 46705
18 Month Variable Rate IRA CD
$100
2.25% ▼ 0.39% below Indiana avg
View
▼
Rate2.23%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▼ 0.39% below avgNationally 2.88%
Details

Variable rate product; rates change monthly; early withdrawal penalty may be imposed; additional deposits of as little as $10 can be made during the term

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 25, 2026
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
18 Month Variable Rate Certificate
$1,000
4.62% ▲ 1.98% above Indiana avg
View
▼
Rate4.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.64%▲ 1.98% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 24, 2026 · 4.04% → 4.62% ▲ 0.58 pts · high 4.62% / low 4.04%
3.46%4.33%5.20%Sep 24, 2026: 4.04% APYOct 3, 2026: 4.62% APYSep 24, 2026Oct 25, 2026
  • Oct 3, 20264.62%▲ from 4.04%
  • Sep 24, 20264.04%first recorded
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
IRA 18 Month Term
$1,000
4.50% ▲ 1.86% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 1.86% above avgNationally 2.88%
Details

Traditional and Roth IRA; APY effective as of October 1, 2026

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
Share Certificate - 18 Month Term
$1,000
4.50% ▲ 1.86% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 1.86% above avgNationally 2.88%
Details

Minimum deposit $1,000 to open (primary members under 18: $500); minimum $500 balance to earn dividends; APY effective as of October 1, 2026; penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18-Month CD
$1,000
4.35% ▲ 1.71% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.64%▲ 1.71% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 16, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Sep 16, 2026: 4.40% APYOct 3, 2026: 4.25% APYOct 12, 2026: 4.35% APYSep 16, 2026Oct 25, 2026
  • Oct 12, 20264.35%▲ from 4.25%
  • Oct 3, 20264.25%▼ from 4.40%
  • Sep 16, 20264.40%first recorded
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
18 Month Certificate
$500
4.25% ▲ 1.61% above Indiana avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.61% above avgNationally 2.88%
Details

Rates as of 10/1/2026

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYOct 19, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-Month CD
$500
4.25% ▲ 1.61% above Indiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.64%▲ 1.61% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 25, 2026
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
CW Certificates - 18 Months
$1,000
4.20% ▲ 1.56% above Indiana avg
View
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.64%▲ 1.56% above avgNationally 2.88%
Details

Term Share Certificate; dividends paid at end of each month; early withdrawal penalty applies (2 times current APR)

Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 25, 2026
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
18 Month Promo CD Special
$0
4.15% ▲ 1.51% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.64%▲ 1.51% above avgNationally 2.88%
Details

Open in Minutes

Rate History
No change since Oct 22, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 22, 2026: 4.15% APYOct 22, 2026Oct 25, 2026
Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo 18 Mo CD
$100,000
4.10% ▲ 1.46% above Indiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 1.46% above avgNationally 2.88%
Details

Rate History
No change since Oct 15, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 15, 2026: 4.10% APYOct 15, 2026Oct 25, 2026
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
18 Mo. Certificate
$1,000
4.08% ▲ 1.44% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.44% above avgNationally 2.88%
Details

Dividends compounded monthly

Rate History
1 change since Sep 18, 2026 · 3.71% → 4.08% ▲ 0.37 pts · high 4.08% / low 3.71%
3.21%3.90%4.58%Sep 18, 2026: 3.71% APYOct 14, 2026: 4.08% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.08%▲ from 3.71%
  • Sep 18, 20263.71%first recorded
The Antwerp Exchange Bank Company
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Certificates of Deposit - 18 Month
$500
4.01% ▲ 1.37% above Indiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.64%▲ 1.37% above avgNationally 2.88%
Details

Balance: $5,000 and Above; $5,000 minimum balance to maintain disclosed APY; APY~ = Annual Percentage Yield

Rate History
No change since Oct 14, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 14, 2026: 4.01% APYOct 14, 2026Oct 25, 2026
First Internet Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
18 Month Certificate of Deposit
$1,000
4.00% ▲ 1.36% above Indiana avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.64%▲ 1.36% above avgNationally 2.88%
Details

Interest compounded monthly; fixed for the term; automatically renews; early withdrawal penalty of 180 days of interest

Rate History
1 change since Sep 9, 2026 · 3.38% → 4.00% ▲ 0.62 pts · high 4.00% / low 3.38%
2.76%3.69%4.62%Sep 9, 2026: 3.38% APYOct 22, 2026: 4.00% APYSep 9, 2026Oct 25, 2026
  • Oct 22, 20264.00%▲ from 3.38%
  • Sep 9, 20263.38%first recorded
Crossroads Bank Wabash, IN
Institution Rating:
A5.0 ★Texas Ratio: 12.07%
Certificates of Deposit Specials - 18 Month Special
$0
4.00% ▲ 1.36% above Indiana avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.64%▲ 1.36% above avgNationally 2.88%
Details

Balance: $1,000 minimum to obtain the APY shown; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
18 Month Certificate
$500
4.00% ▲ 1.36% above Indiana avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 1.36% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 2.75% → 4.00% ▲ 1.25 pts · high 4.00% / low 2.75%
1.50%3.38%5.25%Sep 18, 2026: 2.75% APYOct 23, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
  • Oct 23, 20264.00%▲ from 2.75%
  • Sep 18, 20262.75%first recorded
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Traditional and Roth IRA 18 Months
$1,000
4.00% ▲ 1.36% above Indiana avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 1.36% above avgNationally 2.88%
Details

Traditional and Roth IRA fixed rate; dividend rate compounded quarterly; membership at ProFed is required

Rate History
1 change since Oct 15, 2026 · 2.75% → 4.00% ▲ 1.25 pts · high 4.00% / low 2.75%
1.50%3.38%5.25%Oct 15, 2026: 2.75% APYOct 23, 2026: 4.00% APYOct 15, 2026Oct 25, 2026
  • Oct 23, 20264.00%▲ from 2.75%
  • Oct 15, 20262.75%first recorded
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
18 Month IRA Share Certificate
$500
4.00% ▲ 1.36% above Indiana avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.36% above avgNationally 2.88%
Details

IRA Share Certificate; Dividend rates declared monthly; IRA may be assessed an Annual Fee, Transfer Fee, and Termination Fee

Rate History
1 change since Oct 14, 2026 · 4.15% → 4.00% ▼ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Oct 14, 2026: 4.15% APYOct 19, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
  • Oct 19, 20264.00%▼ from 4.15%
  • Oct 14, 20264.15%first recorded
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
18 Month Share Certificate
$500
4.00% ▲ 1.36% above Indiana avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.36% above avgNationally 2.88%
Details

Dividend rates declared monthly

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
Eastern Indiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Roth 18 Month IRA Certificate
$500
3.89% ▲ 1.25% above Indiana avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 1.25% above avgNationally 2.88%
Details

Early Withdrawal Penalty: forfeit 90 days dividend

Rate History
No change since Sep 12, 2026 · 3.89% APY · checked 10 times
3.39%3.89%4.39%Sep 12, 2026: 3.89% APYSep 12, 2026Oct 25, 2026
Eastern Indiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Traditional 18 Month IRA Certificate
$500
3.89% ▲ 1.25% above Indiana avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 1.25% above avgNationally 2.88%
Details

Early Withdrawal Penalty: forfeit 90 days dividend

Rate History
No change since Sep 12, 2026 · 3.89% APY · checked 10 times
3.39%3.89%4.39%Sep 12, 2026: 3.89% APYSep 12, 2026Oct 25, 2026
Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Mo CD
$500
3.85% ▲ 1.21% above Indiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 1.21% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 25, 2026: 3.85% APYSep 25, 2026Oct 25, 2026
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
18 Month Certificates
$0
3.80% ▲ 1.16% above Indiana avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.16% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80% ▲ 1.16% above Indiana avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.16% above avgNationally 2.88%
Details

Regular APY

Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Rewards
$0
3.80% ▲ 1.16% above Indiana avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.16% above avgNationally 2.88%
Details

Rewards APY

Rate History
No change since Oct 19, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular
$0
3.80% ▲ 1.16% above Indiana avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.16% above avgNationally 2.88%
Details

Regular APY

Rate History
No change since Oct 19, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Rewards
$0
3.80% ▲ 1.16% above Indiana avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.16% above avgNationally 2.88%
Details

Rewards APY

Rate History
No change since Oct 19, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
IRA CD Specials - 18-month term
$0
3.80% ▲ 1.16% above Indiana avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.16% above avgNationally 2.88%
Details

Rewards APY

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 19, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Certificates - 18 Month
$200
3.75% ▲ 1.11% above Indiana avg
View
▼
Rate3.69%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.64%▲ 1.11% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
Thrive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
Share Certificate - 18 Months
$0
3.75% ▲ 1.11% above Indiana avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 1.11% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 25, 2026
Hendricks County Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
IRA 18 Month Certificate
$500
3.72% ▲ 1.08% above Indiana avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.64%▲ 1.08% above avgNationally 2.88%
Details

Balance: Under $100,000.00

Rate History
No change since Oct 20, 2026 · 3.72% APY · checked 2 times
3.22%3.72%4.22%Oct 20, 2026: 3.72% APYOct 20, 2026Oct 25, 2026
La Porte Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.42%
Certificate of Deposit 18 Month Term
$0
3.70% ▲ 1.06% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 1.06% above avgNationally 2.88%
Details

A minimum balance of $500.00 is required for all Certificate of Deposit.

Rate History
No change since Oct 23, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 23, 2026: 3.70% APYOct 23, 2026Oct 25, 2026
Hoosier United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
18 Month Certificate
$0
3.56% ▲ 0.92% above Indiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 0.92% above avgNationally 2.88%
Details

Minimum balance required for 6, 12, 18, and 24 month CD is $1,000; rate locked for term; early withdrawal penalty applies

Rate History
4 changes since Sep 14, 2026 · 3.23% → 3.56% ▲ 0.33 pts · high 3.69% / low 3.23%
2.73%3.46%4.19%Sep 14, 2026: 3.23% APYSep 18, 2026: 3.33% APYSep 22, 2026: 3.23% APYOct 1, 2026: 3.69% APYOct 10, 2026: 3.56% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20263.56%▼ from 3.69%
  • Oct 1, 20263.69%▲ from 3.23%
  • Sep 22, 20263.23%▼ from 3.33%
  • Sep 18, 20263.33%▲ from 3.23%
TLCU Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
18 MONTH CERTIFICATE
$0
3.56% ▲ 0.92% above Indiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.64%▲ 0.92% above avgNationally 2.88%
Details

Rate History
No change since Oct 22, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 22, 2026: 3.56% APYOct 22, 2026Oct 25, 2026
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
18 Month Share Certificates
$0
3.55% ▲ 0.91% above Indiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 0.91% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Share Certificate - 18 Months
$500
3.55% ▲ 0.91% above Indiana avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 0.91% above avgNationally 2.88%
Details

Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 15, 2026: 3.55% APYOct 15, 2026Oct 25, 2026
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Share Certificate 18 Months
$0
3.55% ▲ 0.91% above Indiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 0.91% above avgNationally 2.88%
Details

Balance: $50,000 & Over

Rate History
No change since Oct 19, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 19, 2026: 3.55% APYOct 19, 2026Oct 25, 2026
First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
CD Specials - 18 Month
$500
3.51% ▲ 0.87% above Indiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.64%▲ 0.87% above avgNationally 2.88%
Details

Minimum balance to open and earn APY is $500; Penalty imposed for early withdrawal; Rates effective 10/01/2026

Rate History
No change since Oct 21, 2026 · 3.51% APY
3.01%3.51%4.01%Oct 21, 2026: 3.51% APYOct 21, 2026Oct 25, 2026
Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
18-Month CD Special
$1,000
3.50% ▲ 0.86% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.64%▲ 0.86% above avgNationally 2.88%
Details

Maximum balance: No maximum balance; at maturity renews as a 18 month CD; APY assumes interest remains on deposit until maturity; limited time offer

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
American Community Bank of Indiana
Institution Rating:
B-4.3 ★Texas Ratio: 22.89%
SPECIAL: 18 Month Certificate of Deposit
$0
3.50% ▲ 0.86% above Indiana avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.64%▲ 0.86% above avgNationally 2.88%
Details

APYs effective as of 09-24-2026; Rates fixed at time of deposit; Penalty may apply for withdrawal before maturity

Rate History
1 change since Sep 7, 2026 · 2.75% → 3.50% ▲ 0.75 pts · high 3.50% / low 2.75%
2.00%3.13%4.25%Sep 7, 2026: 2.75% APYSep 27, 2026: 3.50% APYSep 7, 2026Oct 25, 2026
  • Sep 27, 20263.50%▲ from 2.75%
  • Sep 7, 20262.75%first recorded
Logansport Savings Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.53%
Certificate 18 Months
$0
3.50% ▲ 0.86% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.64%▲ 0.86% above avgNationally 2.88%
Details

Rate-APY range: 3.50% - 3.55%; Penalty: 9 Months

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
18-Month IRA Certificate - Premier Member
$500
3.50% ▲ 0.86% above Indiana avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 0.86% above avgNationally 2.88%
Details

Premier Member rate; minimum balance to open an IRA certificate is $500

Rate History
No change since Oct 23, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 23, 2026: 3.50% APYOct 23, 2026Oct 25, 2026
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
18 Month Share Certificates
$0
3.49% ▲ 0.85% above Indiana avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 0.85% above avgNationally 2.88%
Details

Balance: $200 - $4999; Penalty: 6 Month

Rate History
No change since Sep 27, 2026 · 3.49% APY · checked 5 times
2.99%3.49%3.99%Sep 27, 2026: 3.49% APYSep 27, 2026Oct 25, 2026
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Certificates of Deposit - 18 Month Flexible
$500
3.44% ▲ 0.80% above Indiana avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 0.80% above avgNationally 2.88%
Details

Additional deposits will not affect the maturity date; Rates effective as of 2/9/2026

Rate History
No change since Oct 15, 2026 · 3.44% APY · checked 2 times
2.94%3.44%3.94%Oct 15, 2026: 3.44% APYOct 15, 2026Oct 25, 2026
HNB of Thorntown
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Jumbo Certificate of Deposit - 18 months
$1,000
3.34% ▲ 0.70% above Indiana avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.64%▲ 0.70% above avgNationally 2.88%
Details

Jumbo rate applies to balances of $100,000.00 and over

Rate History
No change since Oct 22, 2026 · 3.34% APY · checked 2 times
2.84%3.34%3.84%Oct 22, 2026: 3.34% APYOct 22, 2026Oct 25, 2026
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate
$100,000
3.30% ▲ 0.66% above Indiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 0.66% above avgNationally 2.88%
Details

Compounded quarterly

Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 25, 2026
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Traditional Certificate
$100,000
3.30% ▲ 0.66% above Indiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 0.66% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 25, 2026
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
18 Month Traditional Certificate
$100,000
3.30% ▲ 0.66% above Indiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 0.66% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 12, 2026: 3.30% APYOct 12, 2026Oct 25, 2026
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
18 Month IRA Certificate
$2,500
3.30% ▲ 0.66% above Indiana avg
View
▼
Rate3.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 0.66% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.09% → 3.30% ▲ 0.21 pts · high 3.30% / low 3.09%
2.59%3.20%3.80%Sep 14, 2026: 3.09% APYOct 15, 2026: 3.30% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20263.30%▲ from 3.09%
  • Sep 14, 20263.09%first recorded
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
18 Month Certificate
$10,000
3.30% ▲ 0.66% above Indiana avg
View
▼
Rate3.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 0.66% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 9, 2026: 3.30% APYOct 9, 2026Oct 25, 2026

Ashley 24 Month CD Rates

Indiana 24 Month CD Average2.82% APYNational 2.90%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
502 S Gonser Ave, Ashley, IN 46705
24 Month Advantage
$2,500
4.00% ▲ 1.18% above Indiana avg
View
▼
Rate3.94%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.90%
Details

Special Rates; Early withdrawal penalty may apply; Requires Garrett State Bank deposit account with direct deposit; Allows one rate increase (bump) during the term

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYOct 15, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
502 S Gonser Ave, Ashley, IN 46705
24 Month IRA CD
$500
4.00% ▲ 1.18% above Indiana avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.90%
Details

Early withdrawal penalty may be imposed

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYOct 15, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
502 S Gonser Ave, Ashley, IN 46705
24 Month Regular
$500
3.75% ▲ 0.93% above Indiana avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 0.93% above avgNationally 2.90%
Details

Regular Rates; early withdrawal penalty may be imposed

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 14, 2026: 3.60% APYOct 15, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20263.75%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24-Month IRA
$0
4.81% ▲ 1.99% above Indiana avg
View
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.99% above avgNationally 2.90%
Details

Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
3.84%4.57%5.31%Sep 16, 2026: 4.34% APYOct 8, 2026: 4.81% APYSep 16, 2026Oct 25, 2026
  • Oct 8, 20264.81%▲ from 4.34%
  • Sep 16, 20264.34%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 24 Months
$500
4.55% ▲ 1.73% above Indiana avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.73% above avgNationally 2.90%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 15, 2026: 4.55% APYOct 15, 2026Oct 25, 2026
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Savers Certificate - 24 Months
$50
4.45% ▲ 1.63% above Indiana avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.63% above avgNationally 2.90%
Details

Dividend Rate: T-Bill + 0.25%; Rate Type: Variable

Rate History
1 change since Sep 14, 2026 · 4.13% → 4.45% ▲ 0.32 pts · high 4.45% / low 4.13%
3.63%4.29%4.95%Sep 14, 2026: 4.13% APYOct 5, 2026: 4.45% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.45%▲ from 4.13%
  • Sep 14, 20264.13%first recorded
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24 Month CD/IRA Special
$0
4.25% ▲ 1.43% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.43% above avgNationally 2.90%
Details

24-month CD/IRA Promotional Rate; Rates may vary by zip code; APY effective 9/24/2026 for a limited time; IRAs are for individuals only; substantial penalty for early withdrawal

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 25, 2026
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24 Month Promo CD Special
$0
4.25% ▲ 1.43% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.43% above avgNationally 2.90%
Details

APY effective 9/24/2026 for a limited time; Rates may vary by zip code; Open in Minutes

Rate History
No change since Oct 22, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
24-Month CD
$500
4.25% ▲ 1.43% above Indiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.43% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
CW Certificates - 24 Months
$1,000
4.15% ▲ 1.33% above Indiana avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▲ 1.33% above avgNationally 2.90%
Details

Term Share Certificate; dividends paid at end of each month; early withdrawal penalty applies (2 times current APR)

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 25, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Share Certificates - 24 Month
$0
4.15% ▲ 1.33% above Indiana avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.33% above avgNationally 2.90%
Details

Minimum deposit tier: $100,000

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 25, 2026
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
24 Mo. Certificate
$1,000
4.13% ▲ 1.31% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.31% above avgNationally 2.90%
Details

Dividends compounded monthly

Rate History
1 change since Sep 18, 2026 · 3.71% → 4.13% ▲ 0.42 pts · high 4.13% / low 3.71%
3.21%3.92%4.63%Sep 18, 2026: 3.71% APYOct 14, 2026: 4.13% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.13%▲ from 3.71%
  • Sep 18, 20263.71%first recorded
Summit Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Certificate - 2 years
$0
4.05% ▲ 1.23% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.23% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 14, 2026: 3.75% APYOct 5, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.05%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
First Internet Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
24 Month Certificate of Deposit
$0
4.00% ▲ 1.18% above Indiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.90%
Details

Interest compounded monthly; Early withdrawal penalty: 360 days worth of interest; Auto-renews at maturity

Rate History
1 change since Sep 9, 2026 · 3.30% → 4.00% ▲ 0.70 pts · high 4.00% / low 3.30%
2.60%3.65%4.70%Sep 9, 2026: 3.30% APYOct 22, 2026: 4.00% APYSep 9, 2026Oct 25, 2026
  • Oct 22, 20264.00%▲ from 3.30%
  • Sep 9, 20263.30%first recorded
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
24 Month CD Special
$500
4.00% ▲ 1.18% above Indiana avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.90%
Details

Special; offer requires new money - funds not on deposit at Civista; Minimum balance to obtain APY: $500

Rate History
No change since Sep 9, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 9, 2026: 4.00% APYSep 9, 2026Oct 25, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificate of Deposit - 24 Month
$1,000
4.00% ▲ 1.18% above Indiana avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.90%
Details

Partial withdrawals allowed; APY as of 10/20/2026

Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 21, 2026: 4.00% APYOct 21, 2026Oct 25, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 24 Month
$1,000
4.00% ▲ 1.18% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.90%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 21, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 24-Month
$1,000
4.00% ▲ 1.18% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.90%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA Certificate - 24-Month
$1,000
4.00% ▲ 1.18% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.90%
Details

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

Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 21, 2026: 4.00% APYOct 21, 2026Oct 25, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
IRA Certificate - 2 Year
$500
4.00% ▲ 1.18% above Indiana avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Share Certificates - 24 Month
$0
4.00% ▲ 1.18% above Indiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.90%
Details

Minimum deposit tier: $500

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
24 Month IRA Share Certificate
$500
4.00% ▲ 1.18% above Indiana avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.90%
Details

IRA Share Certificate; Dividend rates declared monthly; IRA may be assessed an Annual Fee, Transfer Fee, and Termination Fee

Rate History
1 change since Oct 14, 2026 · 4.20% → 4.00% ▼ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Oct 14, 2026: 4.20% APYOct 19, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
  • Oct 19, 20264.00%▼ from 4.20%
  • Oct 14, 20264.20%first recorded
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
24 Month Share Certificate
$500
4.00% ▲ 1.18% above Indiana avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.90%
Details

Dividend rates declared monthly

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Business Step Up Certificates - 2 Year
$1,000
3.90% ▲ 1.08% above Indiana avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▲ 1.08% above avgNationally 2.90%
Details

Penalty for early withdrawal. Fees may reduce earnings. Minimum $1000.00 deposit.

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 25, 2026
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
24 Month Certificate
$500
3.85% ▲ 1.03% above Indiana avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.03% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 2.75% → 3.85% ▲ 1.10 pts · high 3.85% / low 2.75%
1.65%3.30%4.95%Sep 14, 2026: 2.75% APYOct 23, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.85%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
24 Month Certificates
$0
3.85% ▲ 1.03% above Indiana avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.03% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Certificates - 2 Year
$200
3.80% ▲ 0.98% above Indiana avg
View
▼
Rate3.74%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▲ 0.98% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 25, 2026
Napoleon State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.53%
1 1/2 Year Certificate of Deposit
$0
3.80% ▲ 0.98% above Indiana avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.82%▲ 0.98% above avgNationally 2.90%
Details

Balance: $50,000 and over; Rates Effective: October 21, 2026

Rate History
No change since Oct 21, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 21, 2026: 3.80% APYOct 21, 2026Oct 25, 2026
La Porte Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.42%
Certificate of Deposit 24 Month Term
$0
3.80% ▲ 0.98% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 0.98% above avgNationally 2.90%
Details

A minimum balance of $500.00 is required for all Certificate of Deposit.

Rate History
No change since Oct 23, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 23, 2026: 3.80% APYOct 23, 2026Oct 25, 2026
Thrive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
Share Certificate - 24 Months
$0
3.80% ▲ 0.98% above Indiana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 0.98% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 8, 2026: 3.80% APYOct 8, 2026Oct 25, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Roth Executive IRA Certificate
$100,000
3.80% ▲ 0.98% above Indiana avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 0.98% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Traditional Executive IRA Certificate
$100,000
3.80% ▲ 0.98% above Indiana avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 0.98% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
LNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Certificate of Deposit - 2 Years Relationship
$500
3.79% ▲ 0.97% above Indiana avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.82%▲ 0.97% above avgNationally 2.90%
Details

Relationship certificate

Rate History
No change since Oct 20, 2026 · 3.79% APY · checked 2 times
3.29%3.79%4.29%Oct 20, 2026: 3.79% APYOct 20, 2026Oct 25, 2026
Hoosier United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
24 Month Certificate
$0
3.77% ▲ 0.95% above Indiana avg
View
▼
Rate3.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 0.95% above avgNationally 2.90%
Details

Minimum balance required for 6, 12, 18, and 24 month CD is $1,000; rate locked for term; early withdrawal penalty applies

Rate History
5 changes since Sep 14, 2026 · 3.42% → 3.77% ▲ 0.35 pts · high 3.93% / low 3.42%
2.91%3.68%4.44%Sep 14, 2026: 3.42% APYSep 18, 2026: 3.53% APYSep 22, 2026: 3.42% APYOct 1, 2026: 3.93% APYOct 10, 2026: 3.82% APYOct 19, 2026: 3.77% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.77%▼ from 3.82%
  • Oct 10, 20263.82%▼ from 3.93%
  • Oct 1, 20263.93%▲ from 3.42%
  • Sep 22, 20263.42%▼ from 3.53%
Napoleon State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.53%
1 1/2 Year Certificate of Deposit
$500
3.75% ▲ 0.93% above Indiana avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.82%▲ 0.93% above avgNationally 2.90%
Details

Minimum $500.00; Rates Effective: October 21, 2026

Rate History
No change since Oct 21, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 21, 2026: 3.75% APYOct 21, 2026Oct 25, 2026
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
24 Month Certificate
$5,000
3.75% ▲ 0.93% above Indiana avg
View
▼
Rate3.70%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.82%▲ 0.93% above avgNationally 2.90%
Details

Daily compounding. IRA funds permitted. No business funds permitted

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 25, 2026
Dubois-Pike Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
24 Month Share Certificate
$1,000
3.75% ▲ 0.93% above Indiana avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 0.93% above avgNationally 2.90%
Details

$1,000 minimum deposit

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 11 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
Montana Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
Share Certificate - 2 years
$1,000
3.75% ▲ 0.93% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 0.93% above avgNationally 2.90%
Details

$1,000 minimum deposit. Penalty for early withdrawal.

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 14, 2026: 3.25% APYOct 19, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.75%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Roth Premier IRA Certificate
$10,000
3.70% ▲ 0.88% above Indiana avg
View
▼
Rate3.63%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 0.88% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Traditional Premier IRA Certificate
$10,000
3.70% ▲ 0.88% above Indiana avg
View
▼
Rate3.63%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 0.88% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
Crossroads Bank Wabash, IN
Institution Rating:
A5.0 ★Texas Ratio: 12.07%
Certificates of Deposit Specials - 24 Month Special
$0
3.65% ▲ 0.83% above Indiana avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.82%▲ 0.83% above avgNationally 2.90%
Details

Balance: $1,000 minimum to obtain the APY shown; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 25, 2026
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
24 Month Certificate
$500
3.65% ▲ 0.83% above Indiana avg
View
▼
Rate3.58%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 0.83% above avgNationally 2.90%
Details

Rates as of 10/1/2026

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
Allegius Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
24 Month Share Certificate
$0
3.60% ▲ 0.78% above Indiana avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 0.78% above avgNationally 2.90%
Details

Balance: $1,000 Minimum

Rate History
1 change since Sep 14, 2026 · 1.00% → 3.60% ▲ 2.60 pts · high 3.60% / low 1.00%
0.00%3.10%6.20%Sep 14, 2026: 1.00% APYOct 13, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20263.60%▲ from 1.00%
  • Sep 14, 20261.00%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Roth IRA Certificate
$500
3.60% ▲ 0.78% above Indiana avg
View
▼
Rate3.53%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 0.78% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Traditional IRA Certificate
$500
3.60% ▲ 0.78% above Indiana avg
View
▼
Rate3.53%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 0.78% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
South Bend Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
24 Month Certificate
$1,000
3.56% ▲ 0.74% above Indiana avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 0.74% above avgNationally 2.90%
Details

Certificates effective 01/29/2026; Early withdrawal penalty: forfeit 180 days dividend

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 8 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 25, 2026
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
24 Month Certificate
$10,000
3.56% ▲ 0.74% above Indiana avg
View
▼
Rate3.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 0.74% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 9, 2026: 3.56% APYOct 9, 2026Oct 25, 2026
Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Certificate of Deposit - 2 year
$500
3.55% ▲ 0.73% above Indiana avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.82%▲ 0.73% above avgNationally 2.90%
Details

Early withdrawal penalty may apply

Rate History
1 change since Sep 19, 2026 · 3.44% → 3.55% ▲ 0.11 pts · high 3.55% / low 3.44%
2.94%3.50%4.05%Sep 19, 2026: 3.44% APYSep 24, 2026: 3.55% APYSep 19, 2026Oct 25, 2026
  • Sep 24, 20263.55%▲ from 3.44%
  • Sep 19, 20263.44%first recorded
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Certificates of Deposit - 2 Year / 2 Option
$500
3.55% ▲ 0.73% above Indiana avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 0.73% above avgNationally 2.90%
Details

Additional deposits will not affect the maturity date; Rates effective as of 2/9/2026

Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 15, 2026: 3.55% APYOct 15, 2026Oct 25, 2026
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Share Certificate - 24 months
$0
3.55% ▲ 0.73% above Indiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 0.73% above avgNationally 2.90%
Details

Share certificates as of October 22, 2025; early withdrawal penalty applies; certificate yields assume dividends compounded monthly

Rate History
No change since Oct 22, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 22, 2026: 3.55% APYOct 22, 2026Oct 25, 2026

Ashley 36 Month CD Rates

Indiana 36 Month CD Average2.78% APYNational 2.81%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
502 S Gonser Ave, Ashley, IN 46705
36 Month Advantage
$2,500
4.25% ▲ 1.47% above Indiana avg
View
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 1.47% above avgNationally 2.81%
Details

Special Rates; Early withdrawal penalty may apply; Requires Garrett State Bank deposit account with direct deposit; Allows two rate changes (bumps) during the term

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 15, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
502 S Gonser Ave, Ashley, IN 46705
36 Month IRA CD
$500
4.25% ▲ 1.47% above Indiana avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 1.47% above avgNationally 2.81%
Details

Early withdrawal penalty may be imposed

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 15, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
502 S Gonser Ave, Ashley, IN 46705
36 Month Regular
$500
4.00% ▲ 1.22% above Indiana avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 1.22% above avgNationally 2.81%
Details

Regular Rates; early withdrawal penalty may be imposed

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 15, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 36 Months
$500
4.71% ▲ 1.93% above Indiana avg
View
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 1.93% above avgNationally 2.81%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.71% APY · checked 2 times
4.21%4.71%5.21%Oct 15, 2026: 4.71% APYOct 15, 2026Oct 25, 2026
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
36-Month CD
$0
4.40% ▲ 1.62% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.78%▲ 1.62% above avgNationally 2.81%
Details

Current CD Rate Promotion; APY accurate as of 10/13/2026. Terms and conditions apply.

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 25, 2026
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
36 Month Certificate of Deposit
$1,000
4.32% ▲ 1.54% above Indiana avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.78%▲ 1.54% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 11, 2026 · 3.03% → 4.32% ▲ 1.29 pts · high 4.32% / low 3.03%
1.74%3.68%5.61%Sep 11, 2026: 3.03% APYSep 24, 2026: 3.80% APYOct 3, 2026: 4.32% APYSep 11, 2026Oct 25, 2026
  • Oct 3, 20264.32%▲ from 3.80%
  • Sep 24, 20263.80%▲ from 3.03%
  • Sep 11, 20263.03%first recorded
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
IRA 36 Month Fixed Rate
$1,000
4.32% ▲ 1.54% above Indiana avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.78%▲ 1.54% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 4.32% APY · checked 2 times
3.82%4.32%4.82%Oct 20, 2026: 4.32% APYOct 20, 2026Oct 25, 2026
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
36 Mo. Certificate
$1,000
4.18% ▲ 1.40% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.78%▲ 1.40% above avgNationally 2.81%
Details

Dividends compounded monthly

Rate History
1 change since Sep 18, 2026 · 3.76% → 4.19% ▲ 0.42 pts · high 4.19% / low 3.76%
3.26%3.97%4.69%Sep 18, 2026: 3.76% APYOct 14, 2026: 4.19% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.19%▲ from 3.76%
  • Sep 18, 20263.76%first recorded
Dubois-Pike Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
36 Month Share Certificate
$1,000
4.16% ▲ 1.38% above Indiana avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 1.38% above avgNationally 2.81%
Details

$1,000 minimum deposit

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.16% ▲ 0.36 pts · high 4.16% / low 3.80%
3.30%3.98%4.66%Sep 14, 2026: 3.80% APYOct 13, 2026: 4.16% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20264.16%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificate of Deposit - 36 Month
$1,000
4.15% ▲ 1.37% above Indiana avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.78%▲ 1.37% above avgNationally 2.81%
Details

Partial withdrawals allowed; APY as of 10/20/2026

Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 21, 2026: 4.15% APYOct 21, 2026Oct 25, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 36 Month
$1,000
4.15% ▲ 1.37% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.78%▲ 1.37% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 21, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 36-Month
$1,000
4.15% ▲ 1.37% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.78%▲ 1.37% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA Certificate - 36-Month
$1,000
4.15% ▲ 1.37% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.78%▲ 1.37% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 21, 2026: 4.15% APYOct 21, 2026Oct 25, 2026
Summit Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Certificate - 3 years
$0
4.10% ▲ 1.32% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 1.32% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Sep 14, 2026: 3.80% APYOct 5, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.10%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
36 Month IRA Share Certificate
$500
4.10% ▲ 1.32% above Indiana avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.78%▲ 1.32% above avgNationally 2.81%
Details

IRA Share Certificate; Dividend rates declared monthly; IRA may be assessed an Annual Fee, Transfer Fee, and Termination Fee

Rate History
1 change since Oct 14, 2026 · 4.25% → 4.10% ▼ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Oct 14, 2026: 4.25% APYOct 19, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
  • Oct 19, 20264.10%▼ from 4.25%
  • Oct 14, 20264.25%first recorded
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
36 Month Share Certificate
$500
4.10% ▲ 1.32% above Indiana avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.78%▲ 1.32% above avgNationally 2.81%
Details

Dividend rates declared monthly

Rate History
No change since Oct 19, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 25, 2026
First Internet Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
36 Month Certificate of Deposit
$0
4.00% ▲ 1.22% above Indiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.78%▲ 1.22% above avgNationally 2.81%
Details

Interest compounded monthly; early withdrawal penalty of 360 days worth of interest; automatically renews at maturity with 10-day grace period

Rate History
1 change since Sep 9, 2026 · 3.30% → 4.00% ▲ 0.70 pts · high 4.00% / low 3.30%
2.60%3.65%4.70%Sep 9, 2026: 3.30% APYOct 22, 2026: 4.00% APYSep 9, 2026Oct 25, 2026
  • Oct 22, 20264.00%▲ from 3.30%
  • Sep 9, 20263.30%first recorded
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
CW Certificates - 36 Months
$1,000
4.00% ▲ 1.22% above Indiana avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.78%▲ 1.22% above avgNationally 2.81%
Details

Term Share Certificate; dividends paid at end of each month; early withdrawal penalty applies (2 times current APR)

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
36 Month CD Special
$500
4.00% ▲ 1.22% above Indiana avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.78%▲ 1.22% above avgNationally 2.81%
Details

Special; offer requires new money - funds not on deposit at Civista; Minimum balance to obtain APY: $500

Rate History
No change since Sep 9, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 9, 2026: 4.00% APYSep 9, 2026Oct 25, 2026
Thrive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
Share Certificate - 36 Months
$0
3.96% ▲ 1.18% above Indiana avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 1.18% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 8, 2026: 3.96% APYOct 8, 2026Oct 25, 2026
La Porte Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.42%
Certificate of Deposit 36 Month Term
$0
3.90% ▲ 1.12% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 1.12% above avgNationally 2.81%
Details

A minimum balance of $500.00 is required for all Certificate of Deposit.

Rate History
No change since Oct 23, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 23, 2026: 3.90% APYOct 23, 2026Oct 25, 2026
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
36 Month Certificates
$0
3.90% ▲ 1.12% above Indiana avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.78%▲ 1.12% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Certificates - 3 Year
$200
3.85% ▲ 1.07% above Indiana avg
View
▼
Rate3.78%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.78%▲ 1.07% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 25, 2026
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
36 Month Share Certificates
$0
3.60% ▲ 0.82% above Indiana avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.82% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Share Certificate - 36 Months
$500
3.60% ▲ 0.82% above Indiana avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.82% above avgNationally 2.81%
Details

Rate History
No change since Oct 15, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 15, 2026: 3.60% APYOct 15, 2026Oct 25, 2026
South Bend Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
36 Month Certificate
$1,000
3.56% ▲ 0.78% above Indiana avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.78% above avgNationally 2.81%
Details

Certificates effective 01/29/2026; Early withdrawal penalty: forfeit 180 days dividend

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 8 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 25, 2026
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Certificates of Deposit - 36 Month
$500
3.55% ▲ 0.77% above Indiana avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.77% above avgNationally 2.81%
Details

Rates effective as of 2/9/2026

Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 15, 2026: 3.55% APYOct 15, 2026Oct 25, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year Roth Executive IRA Certificate
$100,000
3.55% ▲ 0.77% above Indiana avg
View
▼
Rate3.48%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.77% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year Traditional Executive IRA Certificate
$100,000
3.55% ▲ 0.77% above Indiana avg
View
▼
Rate3.48%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.77% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
36 Month Share Certificates
$0
3.55% ▲ 0.77% above Indiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.78%▲ 0.77% above avgNationally 2.81%
Details

Balance: $200 - $4999; Penalty: 6 Month

Rate History
No change since Sep 27, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 27, 2026: 3.55% APYSep 27, 2026Oct 25, 2026
LNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Certificate of Deposit - 3 Years Relationship
$500
3.53% ▲ 0.75% above Indiana avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.78%▲ 0.75% above avgNationally 2.81%
Details

Relationship certificate

Rate History
1 change since Oct 14, 2026 · 3.50% → 3.53% ▲ 0.03 pts · high 3.53% / low 3.50%
3.00%3.51%4.03%Oct 14, 2026: 3.50% APYOct 20, 2026: 3.53% APYOct 14, 2026Oct 25, 2026
  • Oct 20, 20263.53%▲ from 3.50%
  • Oct 14, 20263.50%first recorded
Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
36-Month CD Special
$1,000
3.50% ▲ 0.72% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.78%▲ 0.72% above avgNationally 2.81%
Details

Maximum balance: No maximum balance; at maturity renews as a 36 month CD; APY assumes interest remains on deposit until maturity; limited time offer

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Logansport Savings Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.53%
Certificate 36 Months
$0
3.50% ▲ 0.72% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.78%▲ 0.72% above avgNationally 2.81%
Details

Rate-APY range: 3.50% - 3.55%; Penalty: 18 Months

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
CD Specials - 36 Month
$0
3.50% ▲ 0.72% above Indiana avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.72% above avgNationally 2.81%
Details

CD Specials

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Certificate of Deposit - 36 Month
$10,000
3.50% ▲ 0.72% above Indiana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.72% above avgNationally 2.81%
Details

New accounts only with $10,000 new money deposit; offers effective 4/20/26; early withdrawal penalty applies

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
36 Month Certificate
$1,000
3.50% ▲ 0.72% above Indiana avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.72% above avgNationally 2.81%
Details

Early withdrawal penalty: equivalent of 180 days' dividends

Rate History
1 change since Sep 20, 2026 · 2.25% → 3.50% ▲ 1.25 pts · high 3.50% / low 2.25%
1.00%2.88%4.75%Sep 20, 2026: 2.25% APYOct 15, 2026: 3.50% APYSep 20, 2026Oct 25, 2026
  • Oct 15, 20263.50%▲ from 2.25%
  • Sep 20, 20262.25%first recorded
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
IRA Share Certificate - 36 Month IRA CD
$0
3.50% ▲ 0.72% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.72% above avgNationally 2.81%
Details

Effective January 24, 2023; Management has discretion to match local rate offerings; Early withdrawal penalties apply

Rate History
No change since Oct 23, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 23, 2026: 3.50% APYOct 23, 2026Oct 25, 2026
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
Share Certificate - 36 Month
$10,000
3.50% ▲ 0.72% above Indiana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.72% above avgNationally 2.81%
Details

Effective January 24, 2023; $10,000.00 minimum balance required; Early withdrawal penalties apply

Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 25, 2026
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
36 Month Certificate
$500
3.50% ▲ 0.72% above Indiana avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.78%▲ 0.72% above avgNationally 2.81%
Details

Rates as of 10/1/2026

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
3 Year Share Certificate
$0
3.50% ▲ 0.72% above Indiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.78%▲ 0.72% above avgNationally 2.81%
Details

Penalty may apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
36 Month Share Certificates - IRA Traditional
$0
3.50% ▲ 0.72% above Indiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.78%▲ 0.72% above avgNationally 2.81%
Details

IRA withdrawals may be subject to IRS penalties

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate
$100,000
3.45% ▲ 0.67% above Indiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.67% above avgNationally 2.81%
Details

Compounded quarterly

Rate History
No change since Oct 14, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Oct 14, 2026: 3.45% APYOct 14, 2026Oct 25, 2026
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Traditional Certificate
$100,000
3.45% ▲ 0.67% above Indiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.67% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Oct 14, 2026: 3.45% APYOct 14, 2026Oct 25, 2026
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
36 Month Traditional Certificate
$100,000
3.45% ▲ 0.67% above Indiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.67% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Oct 12, 2026: 3.45% APYOct 12, 2026Oct 25, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year Roth Premier IRA Certificate
$10,000
3.45% ▲ 0.67% above Indiana avg
View
▼
Rate3.39%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.67% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 25, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year Traditional Premier IRA Certificate
$10,000
3.45% ▲ 0.67% above Indiana avg
View
▼
Rate3.39%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.67% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 25, 2026
Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Certificate of Deposit - 3 year
$500
3.44% ▲ 0.66% above Indiana avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.78%▲ 0.66% above avgNationally 2.81%
Details

Early withdrawal penalty may apply

Rate History
1 change since Sep 19, 2026 · 3.34% → 3.44% ▲ 0.10 pts · high 3.44% / low 3.34%
2.84%3.39%3.94%Sep 19, 2026: 3.34% APYSep 24, 2026: 3.44% APYSep 19, 2026Oct 25, 2026
  • Sep 24, 20263.44%▲ from 3.34%
  • Sep 19, 20263.34%first recorded
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate
$500
3.40% ▲ 0.62% above Indiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.62% above avgNationally 2.81%
Details

Compounded quarterly

Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 14, 2026: 3.40% APYOct 14, 2026Oct 25, 2026
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Traditional Certificate
$500
3.40% ▲ 0.62% above Indiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.62% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 14, 2026: 3.40% APYOct 14, 2026Oct 25, 2026
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
36 Month Traditional Certificate
$500
3.40% ▲ 0.62% above Indiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.62% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 12, 2026: 3.40% APYOct 12, 2026Oct 25, 2026

Ashley 48 Month CD Rates

Indiana 48 Month CD Average2.69% APYNational 2.81%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
502 S Gonser Ave, Ashley, IN 46705
48 Month IRA CD
$500
2.85% ▲ 0.16% above Indiana avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.16% above avgNationally 2.81%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 8 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 25, 2026
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
502 S Gonser Ave, Ashley, IN 46705
48 Month Regular
$500
2.85% ▲ 0.16% above Indiana avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.16% above avgNationally 2.81%
Details

Regular Rates; early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 8 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 25, 2026
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
48 Month Certificate of Deposit
$1,000
4.83% ▲ 2.14% above Indiana avg
View
▼
Rate4.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.69%▲ 2.14% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 11, 2026 · 3.29% → 4.83% ▲ 1.54 pts · high 4.83% / low 3.29%
1.75%4.06%6.37%Sep 11, 2026: 3.29% APYSep 24, 2026: 4.32% APYOct 3, 2026: 4.83% APYSep 11, 2026Oct 25, 2026
  • Oct 3, 20264.83%▲ from 4.32%
  • Sep 24, 20264.32%▲ from 3.29%
  • Sep 11, 20263.29%first recorded
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
IRA 48 Month Fixed Rate
$1,000
4.83% ▲ 2.14% above Indiana avg
View
▼
Rate4.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.69%▲ 2.14% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 4.83% APY · checked 2 times
4.33%4.83%5.33%Oct 20, 2026: 4.83% APYOct 20, 2026Oct 25, 2026
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
48 Mo. Certificate
$1,000
4.24% ▲ 1.55% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 1.55% above avgNationally 2.81%
Details

Dividends compounded monthly

Rate History
1 change since Sep 18, 2026 · 3.61% → 4.24% ▲ 0.62 pts · high 4.24% / low 3.61%
2.99%3.93%4.86%Sep 18, 2026: 3.61% APYOct 14, 2026: 4.24% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.24%▲ from 3.61%
  • Sep 18, 20263.61%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificate of Deposit - 48 Month
$1,000
4.15% ▲ 1.46% above Indiana avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.46% above avgNationally 2.81%
Details

Partial withdrawals allowed; APY as of 10/20/2026

Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 21, 2026: 4.15% APYOct 21, 2026Oct 25, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 48 Month
$1,000
4.15% ▲ 1.46% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.46% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 21, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 48-Month
$1,000
4.15% ▲ 1.46% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.46% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA Certificate - 48-Month
$1,000
4.15% ▲ 1.46% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.46% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 21, 2026: 4.15% APYOct 21, 2026Oct 25, 2026
Summit Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Certificate - 4 years
$0
4.15% ▲ 1.46% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.46% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
3.35%4.00%4.65%Sep 14, 2026: 3.85% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.15%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
48 Month IRA Share Certificate
$500
4.15% ▲ 1.46% above Indiana avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 1.46% above avgNationally 2.81%
Details

IRA Share Certificate; Dividend rates declared monthly; IRA may be assessed an Annual Fee, Transfer Fee, and Termination Fee

Rate History
1 change since Oct 14, 2026 · 4.30% → 4.15% ▼ 0.15 pts · high 4.30% / low 4.15%
3.65%4.23%4.80%Oct 14, 2026: 4.30% APYOct 19, 2026: 4.15% APYOct 14, 2026Oct 25, 2026
  • Oct 19, 20264.15%▼ from 4.30%
  • Oct 14, 20264.30%first recorded
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
48 Month Share Certificate
$500
4.15% ▲ 1.46% above Indiana avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 1.46% above avgNationally 2.81%
Details

Dividend rates declared monthly

Rate History
No change since Oct 19, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 19, 2026: 4.15% APYOct 19, 2026Oct 25, 2026
Thrive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
Share Certificate - 48 Months
$0
4.06% ▲ 1.37% above Indiana avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.37% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 8, 2026: 4.06% APYOct 8, 2026Oct 25, 2026
First Internet Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
48 Month Certificate of Deposit
$0
4.00% ▲ 1.31% above Indiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.81%
Details

Interest compounded monthly; Early withdrawal penalty: 360 days worth of interest; Auto-renews at maturity; 10-day grace period; Funding: 60 day hold on ACH deposits

Rate History
1 change since Sep 9, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
2.90%3.73%4.55%Sep 9, 2026: 3.45% APYOct 22, 2026: 4.00% APYSep 9, 2026Oct 25, 2026
  • Oct 22, 20264.00%▲ from 3.45%
  • Sep 9, 20263.45%first recorded
La Porte Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.42%
Certificate of Deposit 48 Month Term
$0
4.00% ▲ 1.31% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.81%
Details

A minimum balance of $500.00 is required for all Certificate of Deposit.

Rate History
No change since Oct 23, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 23, 2026: 4.00% APYOct 23, 2026Oct 25, 2026
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
48 Month Certificates
$0
3.95% ▲ 1.26% above Indiana avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 1.26% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Certificates - 4 Year
$200
3.90% ▲ 1.21% above Indiana avg
View
▼
Rate3.83%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.69%▲ 1.21% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 25, 2026
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
CW Certificates - 48 Months
$1,000
3.85% ▲ 1.16% above Indiana avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.69%▲ 1.16% above avgNationally 2.81%
Details

Term Share Certificate; dividends paid at end of each month; early withdrawal penalty applies (2 times current APR)

Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 25, 2026
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
IRA Share Certificate - 48 Month IRA CD
$0
3.75% ▲ 1.06% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.06% above avgNationally 2.81%
Details

Effective January 24, 2023; Management has discretion to match local rate offerings; Early withdrawal penalties apply

Rate History
No change since Oct 23, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 23, 2026: 3.75% APYOct 23, 2026Oct 25, 2026
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
Share Certificate - 48 Month
$10,000
3.75% ▲ 1.06% above Indiana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.06% above avgNationally 2.81%
Details

Effective January 24, 2023; $10,000.00 minimum balance required; Early withdrawal penalties apply

Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 25, 2026
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
48 Month Share Certificates
$0
3.65% ▲ 0.96% above Indiana avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.96% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Share Certificate - 48 Months
$500
3.65% ▲ 0.96% above Indiana avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.96% above avgNationally 2.81%
Details

Rate History
No change since Oct 15, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 15, 2026: 3.65% APYOct 15, 2026Oct 25, 2026
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
48 Month Share Certificates
$0
3.60% ▲ 0.91% above Indiana avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 0.91% above avgNationally 2.81%
Details

Balance: $200 - $4999; Penalty: 6 Month

Rate History
No change since Sep 27, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 27, 2026: 3.60% APYSep 27, 2026Oct 25, 2026
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
48 Month Certificate
$10,000
3.56% ▲ 0.87% above Indiana avg
View
▼
Rate3.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 0.87% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 9, 2026: 3.56% APYOct 9, 2026Oct 25, 2026
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Certificates of Deposit - 48 Month
$500
3.55% ▲ 0.86% above Indiana avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.86% above avgNationally 2.81%
Details

Rates effective as of 2/9/2026

Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 15, 2026: 3.55% APYOct 15, 2026Oct 25, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
IRA Certificate - 4 Year Fixed
$0
3.55% ▲ 0.86% above Indiana avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.86% above avgNationally 2.81%
Details

Individual Retirement Account; fixed rate; * footnote applies

Rate History
No change since Oct 23, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 23, 2026: 3.55% APYOct 23, 2026Oct 25, 2026
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Share Certificate - 48 Months
$0
3.55% ▲ 0.86% above Indiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 0.86% above avgNationally 2.81%
Details

Balance: $50,000 & Over

Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 25, 2026
Dubois-Pike Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
48 Month Share Certificate
$1,000
3.54% ▲ 0.85% above Indiana avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.85% above avgNationally 2.81%
Details

$1,000 minimum deposit

Rate History
1 change since Sep 14, 2026 · 3.39% → 3.54% ▲ 0.15 pts · high 3.54% / low 3.39%
2.89%3.47%4.04%Sep 14, 2026: 3.39% APYOct 13, 2026: 3.54% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20263.54%▲ from 3.39%
  • Sep 14, 20263.39%first recorded
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate
$100,000
3.50% ▲ 0.81% above Indiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.81% above avgNationally 2.81%
Details

Compounded quarterly

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Traditional Certificate
$100,000
3.50% ▲ 0.81% above Indiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.81% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Certificate 4 Year
$0
3.50% ▲ 0.81% above Indiana avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.81% above avgNationally 2.81%
Details

Certificate Rates; fixed rate certificate

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 25, 2026
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
48 Month Traditional Certificate
$100,000
3.50% ▲ 0.81% above Indiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.81% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 25, 2026
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
48 Month Certificate
$500
3.50% ▲ 0.81% above Indiana avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 0.81% above avgNationally 2.81%
Details

Rates as of 10/1/2026

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
4 Year Share Certificate
$0
3.50% ▲ 0.81% above Indiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 0.81% above avgNationally 2.81%
Details

Penalty may apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
48 Month Share Certificates - IRA Traditional
$0
3.50% ▲ 0.81% above Indiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 0.81% above avgNationally 2.81%
Details

IRA withdrawals may be subject to IRS penalties

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate
$500
3.45% ▲ 0.76% above Indiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.76% above avgNationally 2.81%
Details

Compounded quarterly

Rate History
No change since Oct 14, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Oct 14, 2026: 3.45% APYOct 14, 2026Oct 25, 2026
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Traditional Certificate
$500
3.45% ▲ 0.76% above Indiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.76% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Oct 14, 2026: 3.45% APYOct 14, 2026Oct 25, 2026
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
48 Month Traditional Certificate
$500
3.45% ▲ 0.76% above Indiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.76% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Oct 12, 2026: 3.45% APYOct 12, 2026Oct 25, 2026
Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Certificate of Deposit - 4 year
$500
3.44% ▲ 0.75% above Indiana avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.69%▲ 0.75% above avgNationally 2.81%
Details

Early withdrawal penalty may apply

Rate History
1 change since Sep 19, 2026 · 3.34% → 3.44% ▲ 0.10 pts · high 3.44% / low 3.34%
2.84%3.39%3.94%Sep 19, 2026: 3.34% APYSep 24, 2026: 3.44% APYSep 19, 2026Oct 25, 2026
  • Sep 24, 20263.44%▲ from 3.34%
  • Sep 19, 20263.34%first recorded
Diamond Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
4 Year Certificate
$0
3.42% ▲ 0.73% above Indiana avg
View
▼
Rate3.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.73% above avgNationally 2.81%
Details

Certificate is non-renewable.

Rate History
1 change since Sep 21, 2026 · 3.03% → 3.42% ▲ 0.39 pts · high 3.42% / low 3.03%
2.53%3.22%3.92%Sep 21, 2026: 3.03% APYOct 5, 2026: 3.42% APYSep 21, 2026Oct 25, 2026
  • Oct 5, 20263.42%▲ from 3.03%
  • Sep 21, 20263.03%first recorded
Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
48 Month CD
$500
3.41% ▲ 0.72% above Indiana avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.69%▲ 0.72% above avgNationally 2.81%
Details

Balance Required to Attain Yield: $500; Interest paid: Monthly

Rate History
No change since Sep 19, 2026 · 3.41% APY · checked 7 times
2.91%3.41%3.91%Sep 19, 2026: 3.41% APYSep 19, 2026Oct 25, 2026
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
48 Month IRA Certificate
$2,500
3.40% ▲ 0.71% above Indiana avg
View
▼
Rate3.35%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.71% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 9 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 25, 2026
First County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
48 Month Certificate of Deposit
$0
3.40% ▲ 0.71% above Indiana avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.71% above avgNationally 2.81%
Details

Rate History
No change since Oct 23, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 23, 2026: 3.40% APYOct 23, 2026Oct 25, 2026
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
Certificate 48 Month
$500
3.39% ▲ 0.70% above Indiana avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.70% above avgNationally 2.81%
Details

Rates effective 07/01/2025; $500 minimum; IRA certificates have the same rates

Rate History
No change since Oct 13, 2026 · 3.39% APY · checked 2 times
2.89%3.39%3.89%Oct 13, 2026: 3.39% APYOct 13, 2026Oct 25, 2026
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
48 Month Term Certificate of Deposit
$1,000
3.35% ▲ 0.66% above Indiana avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.66% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 9 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 25, 2026
First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
CD Specials - 4 Year
$500
3.31% ▲ 0.62% above Indiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.69%▲ 0.62% above avgNationally 2.81%
Details

Minimum balance to open and earn APY is $500; Penalty imposed for early withdrawal; Rates effective 10/01/2026

Rate History
No change since Oct 21, 2026 · 3.31% APY
2.81%3.31%3.81%Oct 21, 2026: 3.31% APYOct 21, 2026Oct 25, 2026
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
IRA Certificate - 48 Months
$500
3.30% ▲ 0.61% above Indiana avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.61% above avgNationally 2.81%
Details

Dividend Rate and APY as high as* (Diamond Status My Member Perks tier)

Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Oct 9, 2026: 3.30% APYOct 9, 2026Oct 25, 2026
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
48 Month Certificate
$500
3.30% ▲ 0.61% above Indiana avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 0.61% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 9, 2026: 3.30% APYOct 9, 2026Oct 25, 2026
DeMotte State Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.04%
Certificate of Deposit - 4 Year
$0
3.29% ▲ 0.60% above Indiana avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 0.60% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 3.29% APY · checked 2 times
2.79%3.29%3.79%Oct 14, 2026: 3.29% APYOct 14, 2026Oct 25, 2026
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Share Certificate - 48 Months
$0
3.29% ▲ 0.60% above Indiana avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 0.60% above avgNationally 2.81%
Details

Balance: $1,000 - $49,999

Rate History
No change since Oct 14, 2026 · 3.29% APY · checked 2 times
2.79%3.29%3.79%Oct 14, 2026: 3.29% APYOct 14, 2026Oct 25, 2026

Ashley 60 Month CD Rates

Indiana 60 Month CD Average2.79% APYNational 2.92%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
502 S Gonser Ave, Ashley, IN 46705
60 Month Regular
$500
2.75% ▼ 0.04% below Indiana avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▼ 0.04% below avgNationally 2.92%
Details

Regular Rates; early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
502 S Gonser Ave, Ashley, IN 46705
60 Months IRA CD
$500
2.75% ▼ 0.04% below Indiana avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▼ 0.04% below avgNationally 2.92%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
60 Month Certificate of Deposit
$1,000
5.09% ▲ 2.30% above Indiana avg
View
▼
Rate5.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.79%▲ 2.30% above avgNationally 2.92%
Details

Rate History
2 changes since Sep 11, 2026 · 3.55% → 5.09% ▲ 1.54 pts · high 5.09% / low 3.55%
2.01%4.32%6.63%Sep 11, 2026: 3.55% APYSep 24, 2026: 4.58% APYOct 3, 2026: 5.09% APYSep 11, 2026Oct 25, 2026
  • Oct 3, 20265.09%▲ from 4.58%
  • Sep 24, 20264.58%▲ from 3.55%
  • Sep 11, 20263.55%first recorded
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
IRA 60 Month Fixed Rate
$1,000
5.09% ▲ 2.30% above Indiana avg
View
▼
Rate5.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.79%▲ 2.30% above avgNationally 2.92%
Details

Rate History
No change since Oct 20, 2026 · 5.09% APY · checked 2 times
4.59%5.09%5.59%Oct 20, 2026: 5.09% APYOct 20, 2026Oct 25, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Executive
$0
4.60% ▲ 1.81% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 1.81% above avgNationally 2.92%
Details

Minimum: $100,000; APY based on minimum deposits of at least $500

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
2.60%4.10%5.60%Sep 14, 2026: 3.60% APYOct 23, 2026: 4.60% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.60%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth Executive IRA Certificate
$100,000
4.60% ▲ 1.81% above Indiana avg
View
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 1.81% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
2.60%4.10%5.60%Sep 14, 2026: 3.60% APYOct 15, 2026: 4.60% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.60%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth IRA Certificate
$500
4.60% ▲ 1.81% above Indiana avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 1.81% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
2.20%4.00%5.80%Sep 14, 2026: 3.40% APYOct 15, 2026: 4.60% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.60%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth Premier IRA Certificate
$10,000
4.60% ▲ 1.81% above Indiana avg
View
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 1.81% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.60% ▲ 1.10 pts · high 4.60% / low 3.50%
2.40%4.05%5.70%Sep 14, 2026: 3.50% APYOct 15, 2026: 4.60% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.60%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional Executive IRA Certificate
$100,000
4.60% ▲ 1.81% above Indiana avg
View
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 1.81% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
2.60%4.10%5.60%Sep 14, 2026: 3.60% APYOct 15, 2026: 4.60% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.60%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional IRA Certificate
$500
4.60% ▲ 1.81% above Indiana avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 1.81% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
2.20%4.00%5.80%Sep 14, 2026: 3.40% APYOct 15, 2026: 4.60% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.60%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional Premier IRA Certificate
$10,000
4.60% ▲ 1.81% above Indiana avg
View
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 1.81% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.60% ▲ 1.10 pts · high 4.60% / low 3.50%
2.40%4.05%5.70%Sep 14, 2026: 3.50% APYOct 15, 2026: 4.60% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.60%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
60 Mo. Certificate
$1,000
4.29% ▲ 1.50% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 1.50% above avgNationally 2.92%
Details

Dividends compounded monthly

Rate History
1 change since Sep 18, 2026 · 3.82% → 4.29% ▲ 0.47 pts · high 4.29% / low 3.82%
3.32%4.05%4.79%Sep 18, 2026: 3.82% APYOct 14, 2026: 4.29% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.29%▲ from 3.82%
  • Sep 18, 20263.82%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificate of Deposit - 60 Month
$1,000
4.25% ▲ 1.46% above Indiana avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.79%▲ 1.46% above avgNationally 2.92%
Details

Partial withdrawals allowed; APY as of 10/20/2026

Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 21, 2026: 4.25% APYOct 21, 2026Oct 25, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 60 Month
$1,000
4.25% ▲ 1.46% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.79%▲ 1.46% above avgNationally 2.92%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 21, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 60-Month
$1,000
4.25% ▲ 1.46% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.79%▲ 1.46% above avgNationally 2.92%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA Certificate - 60-Month
$1,000
4.25% ▲ 1.46% above Indiana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.79%▲ 1.46% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 21, 2026: 4.25% APYOct 21, 2026Oct 25, 2026
Summit Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Certificate - 5 years +
$0
4.20% ▲ 1.41% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 1.41% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYOct 13, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
60 Month IRA Share Certificate
$500
4.20% ▲ 1.41% above Indiana avg
View
▼
Rate4.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 1.41% above avgNationally 2.92%
Details

IRA Share Certificate; Dividend rates declared monthly; IRA may be assessed an Annual Fee, Transfer Fee, and Termination Fee

Rate History
1 change since Oct 14, 2026 · 4.35% → 4.20% ▼ 0.15 pts · high 4.35% / low 4.20%
3.70%4.28%4.85%Oct 14, 2026: 4.35% APYOct 19, 2026: 4.20% APYOct 14, 2026Oct 25, 2026
  • Oct 19, 20264.20%▼ from 4.35%
  • Oct 14, 20264.35%first recorded
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
60 Month Share Certificate
$500
4.20% ▲ 1.41% above Indiana avg
View
▼
Rate4.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 1.41% above avgNationally 2.92%
Details

Dividend rates declared monthly

Rate History
No change since Oct 19, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 19, 2026: 4.20% APYOct 19, 2026Oct 25, 2026
La Porte Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.42%
Certificate of Deposit 60 Month Term
$0
4.10% ▲ 1.31% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 1.31% above avgNationally 2.92%
Details

A minimum balance of $500.00 is required for all Certificate of Deposit.

Rate History
No change since Oct 23, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 23, 2026: 4.10% APYOct 23, 2026Oct 25, 2026
Thrive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
Share Certificate - 60 Months
$0
4.10% ▲ 1.31% above Indiana avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 1.31% above avgNationally 2.92%
Details

Rate History
No change since Oct 8, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 8, 2026: 4.10% APYOct 8, 2026Oct 25, 2026
LNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Certificate of Deposit - 5 Years Relationship
$500
4.04% ▲ 1.25% above Indiana avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.79%▲ 1.25% above avgNationally 2.92%
Details

Relationship certificate

Rate History
1 change since Oct 14, 2026 · 4.00% → 4.04% ▲ 0.04 pts · high 4.04% / low 4.00%
3.50%4.02%4.54%Oct 14, 2026: 4.00% APYOct 20, 2026: 4.04% APYOct 14, 2026Oct 25, 2026
  • Oct 20, 20264.04%▲ from 4.00%
  • Oct 14, 20264.00%first recorded
First Internet Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
60 Month Certificate of Deposit
$0
4.00% ▲ 1.21% above Indiana avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.79%▲ 1.21% above avgNationally 2.92%
Details

Interest compounded monthly; Early withdrawal penalty: 360 days worth of interest; Automatically renews at maturity; Disclosure as of 10/02/2026

Rate History
1 change since Sep 9, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
2.90%3.73%4.55%Sep 9, 2026: 3.45% APYOct 22, 2026: 4.00% APYSep 9, 2026Oct 25, 2026
  • Oct 22, 20264.00%▲ from 3.45%
  • Sep 9, 20263.45%first recorded
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Certificates - 5 Year
$200
4.00% ▲ 1.21% above Indiana avg
View
▼
Rate3.93%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▲ 1.21% above avgNationally 2.92%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
IRA Share Certificate - 60 Month IRA CD
$0
4.00% ▲ 1.21% above Indiana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 1.21% above avgNationally 2.92%
Details

Effective January 24, 2023; Management has discretion to match local rate offerings; Early withdrawal penalties apply

Rate History
No change since Oct 23, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 23, 2026: 4.00% APYOct 23, 2026Oct 25, 2026
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
Share Certificate - 60 Month
$10,000
4.00% ▲ 1.21% above Indiana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 1.21% above avgNationally 2.92%
Details

Effective January 24, 2023; $10,000.00 minimum balance required; Early withdrawal penalties apply

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 25, 2026
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
60 Month Certificates
$0
4.00% ▲ 1.21% above Indiana avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 1.21% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
5 Year Share Certificate
$0
4.00% ▲ 1.21% above Indiana avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 1.21% above avgNationally 2.92%
Details

Penalty may apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
60 Month Share Certificates - IRA Traditional
$0
4.00% ▲ 1.21% above Indiana avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 1.21% above avgNationally 2.92%
Details

IRA withdrawals may be subject to IRS penalties

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
CW Certificates - 60 Months
$1,000
3.70% ▲ 0.91% above Indiana avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▲ 0.91% above avgNationally 2.92%
Details

Term Share Certificate; dividends paid at end of each month; early withdrawal penalty applies (2 times current APR)

Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 14, 2026: 3.70% APYOct 14, 2026Oct 25, 2026
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
60 Month Share Certificates
$0
3.70% ▲ 0.91% above Indiana avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 0.91% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Share Certificate - 60 Months
$500
3.70% ▲ 0.91% above Indiana avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 0.91% above avgNationally 2.92%
Details

Rate History
No change since Oct 15, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 15, 2026: 3.70% APYOct 15, 2026Oct 25, 2026
Bank of Wolcott
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
60 Month IRA
$1,000
3.60% ▲ 0.81% above Indiana avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.79%▲ 0.81% above avgNationally 2.92%
Details

Compounding Frequency: Quarterly; Rates effective as of 10/19/2026

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 9 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
60 Month Share Certificates
$0
3.60% ▲ 0.81% above Indiana avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 0.81% above avgNationally 2.92%
Details

Balance: $500 - $4999; Penalty: 6 Month

Rate History
No change since Sep 27, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 27, 2026: 3.60% APYSep 27, 2026Oct 25, 2026
LNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Certificate of Deposit - 60 Months and >
$10,000
3.56% ▲ 0.77% above Indiana avg
View
▼
Rate3.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.79%▲ 0.77% above avgNationally 2.92%
Details

$10M; Balance $10M and over

Rate History
No change since Oct 20, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 20, 2026: 3.56% APYOct 20, 2026Oct 25, 2026
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
60 Month Certificate
$10,000
3.56% ▲ 0.77% above Indiana avg
View
▼
Rate3.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 0.77% above avgNationally 2.92%
Details

Rate History
No change since Oct 9, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 9, 2026: 3.56% APYOct 9, 2026Oct 25, 2026
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$100,000
3.55% ▲ 0.76% above Indiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 0.76% above avgNationally 2.92%
Details

Compounded quarterly

Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 25, 2026
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Traditional Certificate
$100,000
3.55% ▲ 0.76% above Indiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 0.76% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 25, 2026
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Certificates of Deposit - 60 Month
$500
3.55% ▲ 0.76% above Indiana avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 0.76% above avgNationally 2.92%
Details

Rates effective as of 2/9/2026

Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 15, 2026: 3.55% APYOct 15, 2026Oct 25, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
IRA Certificate - 5 Year Fixed
$0
3.55% ▲ 0.76% above Indiana avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 0.76% above avgNationally 2.92%
Details

Individual Retirement Account; fixed rate; * footnote applies

Rate History
No change since Oct 23, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 23, 2026: 3.55% APYOct 23, 2026Oct 25, 2026
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
60 Month Traditional Certificate
$100,000
3.55% ▲ 0.76% above Indiana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 0.76% above avgNationally 2.92%
Details

Rate History
No change since Oct 12, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 12, 2026: 3.55% APYOct 12, 2026Oct 25, 2026
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
60 Month Share Certificate
$0
3.55% ▲ 0.76% above Indiana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 0.76% above avgNationally 2.92%
Details

Balance: $50,000 & Over

Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 25, 2026
Dubois-Pike Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
60 Month Share Certificate
$1,000
3.54% ▲ 0.75% above Indiana avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 0.75% above avgNationally 2.92%
Details

$1,000 minimum deposit

Rate History
1 change since Sep 14, 2026 · 3.39% → 3.54% ▲ 0.15 pts · high 3.54% / low 3.39%
2.89%3.47%4.04%Sep 14, 2026: 3.39% APYOct 13, 2026: 3.54% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20263.54%▲ from 3.39%
  • Sep 14, 20263.39%first recorded
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
60 Month IRA Certificate
$2,500
3.51% ▲ 0.72% above Indiana avg
View
▼
Rate3.45%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 0.72% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 9 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 25, 2026
First County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
60 Month Certificate of Deposit
$0
3.51% ▲ 0.72% above Indiana avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 0.72% above avgNationally 2.92%
Details

Rate History
No change since Oct 23, 2026 · 3.51% APY
3.01%3.51%4.01%Oct 23, 2026: 3.51% APYOct 23, 2026Oct 25, 2026
RBMAX
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - 60 Month
$1,000
3.50% ▲ 0.71% above Indiana avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▲ 0.71% above avgNationally 2.92%
Details

Partial withdrawals allowed; $100,000 maximum deposit per CD product; Annual Percentage Yield as of 10/19/2026

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$500
3.50% ▲ 0.71% above Indiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 0.71% above avgNationally 2.92%
Details

Compounded quarterly

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Traditional Certificate
$500
3.50% ▲ 0.71% above Indiana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 0.71% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
CD Specials - 60 Month
$0
3.50% ▲ 0.71% above Indiana avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 0.71% above avgNationally 2.92%
Details

CD Specials

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Certificate of Deposit - 60 Month
$10,000
3.50% ▲ 0.71% above Indiana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 0.71% above avgNationally 2.92%
Details

New accounts only with $10,000 new money deposit; offers effective 4/20/26; early withdrawal penalty applies

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
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 Ashley, Indiana Institutions

Highest verified APYs available today, updated October 23, 2026

B Top 5 Bank Rates
Garrett State Bank
36 Month Advantage
A 5.0 ★ TX: 6.21%
Min: $2,500
4.25%
GCSB Swayzee, IN
60 Month Certificate of Deposit
B+ 4.8 ★ TX: 16.88%
Min: $1,000
5.09%
First Savings Bank of Hegewisch
18 Month Variable Rate Certificate
A+ 5.0 ★ TX: 0.18%
Min: $1,000
4.62%
Banterra Bank
36-Month CD
A 4.7 ★ TX: 4.32%
Min: $0
4.40%
United Fidelity Bank
18-Month CD
A+ 5.0 ★ TX: 2.56%
Min: $1,000
4.35%
CU Top 5 Credit Union Rates
National Police Federal Credit Union
24-Month IRA
A+ 5.0 ★ TX: 4.12%
Min: $0
4.81%
Honda Federal Credit Union
5 Year Executive
A+ 5.0 ★ TX: 2.74%
Min: $0
4.60%
Midwest Family Federal Credit Union
Loyalty Certificate Promo - 6 Months
A 5.0 ★ TX: 6.92%
Min: $0
4.59%
Fort Financial Federal Credit Union
12-Month IRA Certificate - Premier Member
A+ 5.0 ★ TX: 2.95%
Min: $500
4.50%
Elements Financial Federal Credit Union
IRA 18 Month Term
A+ 5.0 ★ TX: 2.46%
Min: $1,000
4.50%
Rates verified October 23, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
Powered byMonitorBankRates

Ashley, IN CD Rate Trends

Compare local Ashley, IN 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
2.822%
▲ 0.005 vs 7 days ago

Indiana 12-month CD rates rose 0.005 points over the past 7 days to 2.822% APY.

6-Month CD IN Avg
2.687%
▲ 0.050 vs 7 days ago

Indiana 6-month CD rates rose 0.050 points over the past 7 days to 2.687% APY.

As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions

IN CD Rate Forecast, Next 12 Months

Where are Indiana CD rates headed through October 2027?

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

IN 12-Month Avg APY
2.822%
6-Month Forecast
2.822%
Range: 2.62%, 2.97%
12-Month Forecast
3.072%
Range: 2.87%, 3.22%

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 1.55% 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 1.626% $81.29 $162.57 $406.43 $812.85
6-Month CD 2.687% $134.35 $268.69 $671.73 $1,343.45
12-Month CD 2.822% $141.10 $282.19 $705.47 $1,410.95
18-Month CD 2.639% $131.93 $263.86 $659.65 $1,319.30
24-Month CD 2.817% $140.83 $281.66 $704.15 $1,408.30
36-Month CD 2.783% $139.17 $278.34 $695.85 $1,391.70
48-Month CD 2.688% $134.40 $268.79 $671.98 $1,343.95
60-Month CD 2.787% $139.33 $278.65 $696.63 $1,393.25
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026.
Powered byMonitorBankRates

Sample CD Ladder for Ashley, 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 1.626% $81.29
2 6-Month CD $5,000 2.687% $134.35
3 12-Month CD $5,000 2.822% $141.10
4 24-Month CD $5,000 2.817% $140.83
5 36-Month CD $5,000 2.783% $139.17
Total ($25,000 invested) $25,000 2.547% blended $636.74/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.

Powered byMonitorBankRates
1,377
CD Rates
Tracked in Ashley, Indiana
50 Banks 87 Credit Unions

About Our Ashley, Indiana CD Rate Database

MonitorBankRates tracks 1,377 CD rates from 50 banks and 87 credit unions with locations in Ashley, 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 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Garrett State Bank offers a CD at 4.25% APY with a minimum deposit of $2,500. Use the rate table above to compare all current offers in Ashley, Indiana.

How to Find the Best CD Rates in Ashley, Indiana

What to compare when shopping for a CD in Ashley, Indiana

To find the best APYs in Ashley, Indiana, start with credit unions and online-only banks: Ashley, Indiana has 87 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 Ashley, 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 Ashley, Indiana: 137 institutions here report CD rates

Consider an Alternative If…

Ashley, Indiana Financial Snapshot

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

Population 65+
13.8%
National avg: 17.3%
Median Individual Earnings
$36,667
National avg: $47,340
Poverty Rate
11.1%
National avg: 11.1%
Unemployment Rate
2.5%
National avg: 4.8%
CD Earnings on 10% of Salary
$103/yr
At IN 12-mo avg 2.822% APY

13.8% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 2.5% reflects a strong local economy. At today’s IN 12-month CD average of 2.822%, saving 10% of the local median salary ($3,666/year) and putting it in a CD would earn an additional $103 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 Ashley, 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 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Ashley, 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 Ashley, 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 Ashley, Indiana as everywhere in the U.S.

Choosing a CD Term in Ashley, 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 Ashley, Indiana savers easier access to their funds. For example, Midwest Family Federal Credit Union is offering its Loyalty Certificate Promo - 6 Months at 4.59% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Garrett State Bank is offering its 60 Month Regular at 2.75% 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 Ashley, 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 Ashley, 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 Ashley, 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 Ashley, 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 Ashley, Indiana

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

Are CD rates in Ashley, Indiana FDIC insured?

Yes, most established banks in Ashley, 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 Ashley, 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 Ashley, 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 Ashley, 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 Ashley, Indiana?

Here are recent top rates found for this area:
  • Garrett State Bank: 4.25% APY (36 Month Advantage)
  • GCSB Swayzee, IN: 5.09% APY (60 Month Certificate of Deposit)
  • National Police Federal Credit Union: 4.81% APY (24-Month IRA)
  • First Savings Bank of Hegewisch: 4.62% APY (18 Month Variable Rate Certificate)
  • Honda Federal Credit Union: 4.60% APY (5 Year Executive)
  • Midwest Family Federal Credit Union: 4.59% APY (Loyalty Certificate Promo - 6 Months)
  • Fort Financial Federal Credit Union: 4.50% APY (12-Month IRA Certificate - Premier Member)
  • Elements Financial Federal Credit Union: 4.50% APY (IRA 18 Month Term)
  • Indiana University Credit Union: 4.50% APY (6 Month Term Certificates)
  • GenFed Financial Credit Union: 4.50% APY (IRA Certificate - 12 Month)
Rates reflect recent verified offers available in Ashley, Indiana. Last Updated: October 23, 2026

Ashley, 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 Ashley, 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 to 180 days of interest. Estimates are for informational purposes only.

Top Ashley, Indiana CD Rates by Term

Verified October 23, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Ashley, Indiana. Averages shown use the Indiana state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Ashley, Indiana

Ashley, Indiana CD Calculator

At today’s IN top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.

Ashley, Indiana CD Ladder

IN CD rates currently range from 1.626% (3-month) to 2.783% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Ashley, Indiana CD at 4.25% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Indiana’s average 12-month CD is 2.822% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Ashley, 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 Ashley, 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 Ashley, 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: October 23, 2026

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