Current Bloomington, Indiana CD rates include Hoosier Hills Credit UnionHoosier Hills Credit Union3590 W State Road 46, Bloomington, IN 47404 9167A5.0 ★Texas Ratio: 9.40% offering 36 month Certificates at 3.56% APY, Baxter Credit UnionBaxter Credit Union927 S Curry Pike, Bloomington, IN 47403 2624A5.0 ★Texas Ratio: 7.73% offering 18-month term at 3.30% APY, Crane Credit UnionCrane Credit Union3855 W Jonathan Dr, Bloomington, IN 47404A5.0 ★Texas Ratio: 6.87% offering 60 Month Share Certificate at 3.04% APY, USB Union Savings BankUSB Union Savings Bank2237 S Curry Pike, Bloomington, IN 47403A+5.0 ★Texas Ratio: 1.66% offering 60 MONTH CD at 0.60% APY, and Merchants Bank of IndianaMerchants Bank of Indiana410 Monon Blvd, Carmel, IN 46032A+5.0 ★Texas Ratio: 4.20% offering 12 Month Flex Index CD at 4.86% APY. CD rates as of April 1, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Bloomington, Indiana, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: April 1, 2026
$100,000 Minimum to Earn APY
Early Withdrawal Penalties: 90 days interest
$1,000 - $99,999.99
Early Withdrawal Penalties: 180 days interest
Quarterly compounding. IRA funds permitted. No business funds permitted.
$100,000 Minimum to Earn APY
$1,000 - $99,999.99
Minimum $500 Deposit to start
No rate bump available
As Great As
NEW MONEY ONLY
$1,000 - $99,999.99
Early Withdrawal Penalties: 180 days interest
Quarterly compounding. IRA funds permitted. No business funds permitted.
Offer effective as of February 4, 2026 and is subject to change. Substantial penalty for early withdrawal. IRAs are for individuals only. Public funds are not eligible. See a banker for more information. Offer cannot be combined with any other interest rate bonuses. Interest is accrued daily and credited quarterly. Limited time offer, subject to change. At maturity, certificate will automatically renew into the current term at standard rates. Note: Annual Percentage Yield is abbreviated as "APY."
Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.
Minimum $100,000 Deposit to start
$100,000 Minimum to Earn APY
Rate changes quarterly-Quarterly compounding-<br/>$100.00 minimum additions permitted-IRA fund also permitted
Early Withdrawal Penalties: 180 days interest
$1,000 - $99,999.99
$1,000 - $99,999.99
$100,000 Minimum to Earn APY
Minimum $500 Deposit to start
$500 minimum to open.
Daily compounding. IRA funds permitted. No business funds permitted
$100,000 Minimum to Earn APY
$1,000 - $99,999.99
Minimum $500 Deposit to start
Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.
Early Withdrawal Penalties: 360 days interest
Quarterly compounding, $10.00 min. additions
$100,000 Minimum to Earn APY
Early Withdrawal Penalties: 360 days interest
Open to new and existing funds
$1,000 - $99,999.99
Compare local Bloomington, IN CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Indiana 12-month CD rates fell 0.310 points this week to 2.749% APY, down from 3.059% last week.
Indiana 6-month CD rates fell 0.570 points this week to 2.329% APY, down from 2.899% last week.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Bloomington, 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 pulling data straight 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 Bloomington, 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.