Hudson, Indiana Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
Hudson, Indiana CD rates from banks and credit unions serving Indiana range from 0.05% to 5.09% APY, verified by MonitorBankRates as of October 20, 2026. Current Hudson, Indiana CD rates include GCSB Swayzee, INGCSB Swayzee, INB+4.8 ★Texas Ratio: 16.88%Real return: +2.29%APY minus CPI (February 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: +2.01%APY minus CPI (February 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: +1.82%APY minus CPI (February 2026) offering 18 Month Variable Rate Certificate at 4.62% APY, Honda Federal Credit UnionHonda Federal Credit UnionA+5.0 ★Texas Ratio: 2.74%Real return: +1.80%APY minus CPI (February 2026) offering 5 Year Roth Executive IRA Certificate at 4.60% APY, and Fort Financial Federal Credit UnionFort Financial Federal Credit UnionA+5.0 ★Texas Ratio: 2.95%Real return: +1.70%APY minus CPI (February 2026) offering Traditional 12-Month IRA Certificate - Premier Member at 4.50% APY. CD rates as of October 20, 2026 according to verified data from MonitorBankRates.
Hudson is a smaller community with no bank or credit union branches currently in our database. 778 institutions serving the Indiana area are available to Hudson residents, with CD rates as high as 5.09% APY from GCSB Swayzee, IN. 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 20, 2026
Compare Best CD Rates in Hudson, Indiana & the Surrounding Area
Hudson 3 Month CD Rates
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%
▲ 2.48% above Indiana avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▲ 2.48% above avgNationally 2.12%
Details
Non-Compounding Certificates available; early withdrawal penalties may apply
Rate History
1 change since Sep 16, 2026 · 3.72% → 4.08% ▲ 0.36 pts · high 4.08% / low 3.72%
- Oct 8, 20264.08%▲ from 3.72%
- Sep 16, 20263.72%first recorded
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3 Month Share Certificates
$0
4.06%
▲ 2.46% above Indiana avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▲ 2.46% above avgNationally 2.12%
Details
***SPECIAL*** $250K+ balance
Rate History
No change since Oct 9, 2026 · 4.06% APY · checked 2 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Share Certificate - 3 Months SPECIAL
$500
4.06%
▲ 2.46% above Indiana avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▲ 2.46% above avgNationally 2.12%
Details
Balance: $250K +; Dividend rate fixed for term; dividends compounded and paid quarterly; substantial penalty for early withdrawal
Rate History
No change since Oct 15, 2026 · 4.06% APY
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
Fixed Rate CD - 3 Month
$1,000
3.82%
▲ 2.22% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average1.60%▲ 2.22% above avgNationally 2.12%
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
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Certificates of Deposit - 3 Month
$500
3.76%
▲ 2.16% above Indiana avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▲ 2.16% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 7 times
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3 Month Certificates
$0
3.65%
▲ 2.05% above Indiana avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.60%▲ 2.05% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Community First Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 13.92%
3 months CD
$0
3.60%
▲ 2.00% above Indiana avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average1.60%▲ 2.00% above avgNationally 2.12%
Details
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
American Community Bank of Indiana
Institution Rating:
B-4.3 ★Texas Ratio: 22.89%
SPECIAL: 3 Month Certificate of Deposit
$0
3.55%
▲ 1.95% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average1.60%▲ 1.95% above avgNationally 2.12%
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 9 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3 Month Youth Share Certificate
$0
3.55%
▲ 1.95% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▲ 1.95% above avgNationally 2.12%
Details
Rate History
No change since Oct 5, 2026 · 3.55% APY · checked 4 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Youth Share Certificates - 3 Months
$50
3.55%
▲ 1.95% above Indiana avg
▼
Rate3.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▲ 1.95% above avgNationally 2.12%
Details
Available to members ages 17 & younger; Maximum original principal balance of $5,000; Higher rates than non-youth share certificates
Rate History
No change since Oct 15, 2026 · 3.55% APY
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Share Certificate - 3 Months
$0
3.55%
▲ 1.95% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.60%▲ 1.95% above avgNationally 2.12%
Details
Balance: $50,000 & Over
Rate History
No change since Oct 19, 2026 · 3.55% APY
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
3 Mo. Certificate
$1,000
3.51%
▲ 1.91% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.60%▲ 1.91% above avgNationally 2.12%
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%
- 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%
▲ 1.84% above Indiana avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▲ 1.84% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 5 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Share Certificate - 3 Months
$500
3.44%
▲ 1.84% above Indiana avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▲ 1.84% above avgNationally 2.12%
Details
Dividend rate fixed for term; dividends compounded and paid quarterly; substantial penalty for early withdrawal
Rate History
No change since Oct 15, 2026 · 3.44% APY
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
3 Month Renewal CD
$0
3.40%
▲ 1.80% above Indiana avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average1.60%▲ 1.80% above avgNationally 2.12%
Details
Renewal rate; Book Appointment
Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 2 times
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
New Money 3-Month CD
$1,000
3.40%
▲ 1.80% above Indiana avg
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average1.60%▲ 1.80% above avgNationally 2.12%
Details
New money: funds not on deposit with Centier Bank in the last 90 days; Open Online
Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 4 times
Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
3 Month Companion CD
$1,000
3.40%
▲ 1.80% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average1.60%▲ 1.80% above avgNationally 2.12%
Details
Requires Lake City Bank checking account for higher rate; Deposits allowed: no; Withdrawals allowed: no; APY quoted as of October 20, 2026
Rate History
No change since Sep 9, 2026 · 3.40% APY · checked 9 times
First Community State Bank Avilla, IN
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Certificate of Deposit - 3 Month
$0
3.35%
▲ 1.75% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average1.60%▲ 1.75% above avgNationally 2.12%
Details
Penalty: 1% Prin., No Penalty After 30 Days
Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 2 times
Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3 Month CD
$0
3.30%
▲ 1.70% above Indiana avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average1.60%▲ 1.70% above avgNationally 2.12%
Details
Rate History
No change since Sep 19, 2026 · 3.30% APY · checked 6 times
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Share Certificate - 3 Months
$0
3.29%
▲ 1.69% above Indiana avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.60%▲ 1.69% above avgNationally 2.12%
Details
Balance: $1,000 - $49,999
Rate History
No change since Oct 19, 2026 · 3.29% APY
Afena Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
3 Month Share Certificate
$100,000
2.55%
▲ 0.95% above Indiana avg
▼
Rate2.52%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▲ 0.95% above avgNationally 2.12%
Details
Rate History
No change since Oct 5, 2026 · 2.55% APY · checked 4 times
Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
3 Month Certificate
$500
2.50%
▲ 0.90% above Indiana avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▲ 0.90% above avgNationally 2.12%
Details
Rate History
1 change since Sep 20, 2026 · 2.00% → 2.50% ▲ 0.50 pts · high 2.50% / low 2.00%
- 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 Certificates - 3 Months
$0
2.50%
▲ 0.90% above Indiana avg
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▲ 0.90% above avgNationally 2.12%
Details
Rate History
No change since Sep 16, 2026 · 2.50% APY · checked 2 times
Afena Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
3 Month Share Certificate
$250
2.40%
▲ 0.80% above Indiana avg
▼
Rate2.37%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▲ 0.80% above avgNationally 2.12%
Details
Rate History
No change since Oct 5, 2026 · 2.40% APY · checked 4 times
STAR Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
Certificate of Deposit - 3 Months
$0
2.35%
▲ 0.75% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average1.60%▲ 0.75% above avgNationally 2.12%
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
LNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Certificate of Deposit - 3 Months
$2,500
2.01%
▲ 0.41% above Indiana avg
▼
Rate2.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average1.60%▲ 0.41% above avgNationally 2.12%
Details
Rate History
No change since Sep 19, 2026 · 2.01% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3 Month Certificate of Deposit
$500
2.00%
▲ 0.40% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average1.60%▲ 0.40% above avgNationally 2.12%
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
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Certificate - 3 Months
$500
2.00%
▲ 0.40% above Indiana avg
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▲ 0.40% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
Perfect Circle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month CD
$0
1.76%
▲ 0.16% above Indiana avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.60%▲ 0.16% above avgNationally 2.12%
Details
Rate History
1 change since Sep 14, 2026 · 1.51% → 1.76% ▲ 0.25 pts · high 1.76% / low 1.51%
- 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%
▲ 0.16% above Indiana avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.60%▲ 0.16% above avgNationally 2.12%
Details
Rate History
1 change since Sep 14, 2026 · 1.51% → 1.76% ▲ 0.25 pts · high 1.76% / low 1.51%
- 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%
▲ 0.15% above Indiana avg
▼
Rate1.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▲ 0.15% above avgNationally 2.12%
Details
Penalty may be imposed for early withdrawal
Rate History
No change since Oct 12, 2026 · 1.75% APY · checked 3 times
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.21%
3 Month Certificate
$500
1.75%
▲ 0.15% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▲ 0.15% above avgNationally 2.12%
Details
Min Deposit of $500 on all Certificate of Deposits; CDs subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
Financial Builders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
Share Certificates - 3 months
$0
1.63%
▲ 0.03% above Indiana avg
▼
Rate1.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▲ 0.03% above avgNationally 2.12%
Details
Rate History
No change since Sep 21, 2026 · 1.63% APY · checked 5 times
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Standard Term Certificate - 3 Months
$10,000
1.56%
▼ 0.04% below Indiana avg
▼
Rate1.55%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▼ 0.04% below avgNationally 2.12%
Details
Dividend rate and APY as high as
Rate History
No change since Oct 9, 2026 · 1.56% APY · checked 3 times
SOLIDARITY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
3 Month Certificate
$500
1.55%
▼ 0.05% below Indiana avg
▼
Rate1.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.60%▼ 0.05% below avgNationally 2.12%
Details
Dividends compounded and credited monthly
Rate History
No change since Sep 14, 2026 · 1.55% APY · checked 8 times
Fowler State Bank Fowler, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Certificate of Deposit - 3 months
$1
1.51%
▼ 0.09% below Indiana avg
▼
Rate1.50%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average1.60%▼ 0.09% below avgNationally 2.12%
Details
Compounding: Maturity; *Penalties may be applied for early withdrawal, and fees may reduce earnings.
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 8 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 3 Months
$0
1.50%
▼ 0.10% below Indiana avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▼ 0.10% below avgNationally 2.12%
Details
Effective Date: October 01, 2026; APY with Bonus Rate: 1.60%; Bonus rate of 0.10% APY when the Tax Reported Owner is an Ultra Checking owner with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Early withdrawal penalty may apply
Rate History
No change since Oct 12, 2026 · 1.50% APY · checked 2 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 3 Months
$500
1.50%
▼ 0.10% below Indiana avg
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▼ 0.10% below avgNationally 2.12%
Details
Dividend Rate: 1.492%; APY with Bonus Rate: 1.60%; Minimum balance for consumer is $500; Penalty may apply for early withdrawal; Fees may reduce earnings
Rate History
1 change since Sep 12, 2026 · 1.25% → 1.50% ▲ 0.25 pts · high 1.50% / low 1.25%
- Oct 2, 20261.50%▲ from 1.25%
- Sep 12, 20261.25%first recorded
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
Term Share Certificates - 3 Month
$0
1.30%
▼ 0.30% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▼ 0.30% below avgNationally 2.12%
Details
A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 1.30% APY · checked 2 times
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Business Share Certificates - 3 Months
$10,000
1.26%
▼ 0.34% below Indiana avg
▼
Rate1.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▼ 0.34% below avgNationally 2.12%
Details
Rate History
No change since Oct 9, 2026 · 1.26% APY · checked 3 times
Evansville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
Certificate 3 Month
$1,000
1.26%
▼ 0.34% below Indiana avg
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▼ 0.34% below avgNationally 2.12%
Details
Early withdrawal penalty of 90 days of earned or unearned interest
Rate History
No change since Oct 13, 2026 · 1.26% APY · checked 2 times
Evansville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
IRA Certificate - 3 month
$1,000
1.26%
▼ 0.34% below Indiana avg
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▼ 0.34% below avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 9 times
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3 Month Certificate
$0
1.25%
▼ 0.35% below Indiana avg
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▼ 0.35% below avgNationally 2.12%
Details
Rate History
No change since Sep 25, 2026 · 1.25% APY · checked 5 times
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
3 Month Certificate
$10,000
1.21%
▼ 0.39% below Indiana avg
▼
Rate1.20%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.60%▼ 0.39% below avgNationally 2.12%
Details
Rate History
No change since Oct 9, 2026 · 1.21% APY · checked 2 times
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
3 Month Term Share Certificate
$0
1.15%
▼ 0.45% below Indiana avg
▼
Rate1.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.60%▼ 0.45% below avgNationally 2.12%
Details
Dividend Period: Maturity
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 6 times
Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3 Month VIP Certificate
$10,000
1.01%
▼ 0.59% below Indiana avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▼ 0.59% below avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 1.01% APY · checked 5 times
Bank of Wolcott
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Month CD
$5,000
1.00%
▼ 0.60% below Indiana avg
▼
Rate1.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average1.60%▼ 0.60% below avgNationally 2.12%
Details
Compounding Frequency: Quarterly
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 8 times
Alliance Bank IN
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
90 Day CD
$1,000
1.00%
▼ 0.60% below Indiana avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average1.60%▼ 0.60% below avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 4 times
GESB Sheet Metal Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
90 Day Certificate Accounts
$1,000
1.00%
▼ 0.60% below Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average1.60%▼ 0.60% below avgNationally 2.12%
Details
Dividends compounded quarterly
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
3 Month Certificate
$500
1.00%
▼ 0.60% below Indiana avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.60%▼ 0.60% below avgNationally 2.12%
Details
Rate History
1 change since Oct 9, 2026 · 1.21% → 1.00% ▼ 0.21 pts · high 1.21% / low 1.00%
- Oct 19, 20261.00%▼ from 1.21%
- Oct 9, 20261.21%first recorded
Hudson 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6 Month Term Certificates
$0
4.50%
▲ 1.87% above Indiana avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.63%▲ 1.87% above avgNationally 2.79%
Details
Dividends paid monthly
Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 2 times
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6-Month CD
$1,000
4.40%
▲ 1.77% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.63%▲ 1.77% above avgNationally 2.79%
Details
Rate History
1 change since Sep 16, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 12, 20264.40%▲ from 4.35%
- Sep 16, 20264.35%first recorded
U S #1364 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
6 Month Share Certificate
$500
4.25%
▲ 1.62% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.63%▲ 1.62% above avgNationally 2.79%
Details
Rate History
No change since Sep 25, 2026 · 4.25% APY · checked 5 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 6 Months
$500
4.24%
▲ 1.61% above Indiana avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.63%▲ 1.61% above avgNationally 2.79%
Details
Non-Compounding Certificates available; early withdrawal penalties may apply
Rate History
1 change since Sep 16, 2026 · 3.82% → 4.24% ▲ 0.42 pts · high 4.24% / low 3.82%
- Oct 8, 20264.24%▲ from 3.82%
- Sep 16, 20263.82%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%
▲ 1.50% above Indiana avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.63%▲ 1.50% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 8 times
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
6 Month Certificate
$0
4.10%
▲ 1.47% above Indiana avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.63%▲ 1.47% above avgNationally 2.79%
Details
Balance: $500 - $20,000; Dividend Rate 4.04%; Rates as of 11/01/2024
Rate History
No change since Oct 13, 2026 · 4.10% APY · checked 2 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month Business CD
$2,500
4.10%
▲ 1.47% above Indiana avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.63%▲ 1.47% above avgNationally 2.79%
Details
APY accurate as of 10/19/2026; Maximum deposit is $10 million; Not available for public units; Limited-time offer
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-month CD
$2,500
4.10%
▲ 1.47% above Indiana avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.63%▲ 1.47% above avgNationally 2.79%
Details
Short-Term Growth; Maximum deposit $10 million; not available for public units or Business CDs
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Oct 10, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month CD
$0
4.00%
▲ 1.37% above Indiana avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.63%▲ 1.37% above avgNationally 2.79%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificate of Deposit
$1,000
4.00%
▲ 1.37% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.63%▲ 1.37% above avgNationally 2.79%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6-Month IRA
$1,000
4.00%
▲ 1.37% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.63%▲ 1.37% above avgNationally 2.79%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 6-Month
$1,000
4.00%
▲ 1.37% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.63%▲ 1.37% above avgNationally 2.79%
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%
- Oct 7, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Certificates of Deposit - 6 Month
$10,000
4.00%
▲ 1.37% above Indiana avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.63%▲ 1.37% above avgNationally 2.79%
Details
New accounts only with $10,000 new money deposit; Rates and APYs effective as of 4/20/26
Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 6 times
Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month CD
$500
4.00%
▲ 1.37% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.63%▲ 1.37% above avgNationally 2.79%
Details
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 5 times
Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month IRA
$500
4.00%
▲ 1.37% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.63%▲ 1.37% above avgNationally 2.79%
Details
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 5 times
Financial Health Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
6-Month CD
$500
4.00%
▲ 1.37% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.63%▲ 1.37% above avgNationally 2.79%
Details
Homepage featured CD offer; $500 minimum deposit
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
6 Month Share Certificate
$0
4.00%
▲ 1.37% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.63%▲ 1.37% above avgNationally 2.79%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
6 Month Share Certificate
$1,000
4.00%
▲ 1.37% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.63%▲ 1.37% above avgNationally 2.79%
Details
Primary members under 18: $500 minimum deposit; Penalty for early withdrawal; Auto-reinvests at maturity into a 6-month certificate at then-current APY
Rate History
No change since Oct 15, 2026 · 4.00% APY
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
IRA 6 Month Term
$1,000
4.00%
▲ 1.37% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.63%▲ 1.37% above avgNationally 2.79%
Details
Minimum deposit of $1,000 to open IRA; primary members under 18 must have $500 minimum deposit; minimum $500 balance required to earn dividends; APY effective as of October 1, 2026
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
6 Month Certificate
$0
4.00%
▲ 1.37% above Indiana avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.63%▲ 1.37% above avgNationally 2.79%
Details
Certificates of Deposit effective May 28, 2025
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
6 Month Certificate
$500
4.00%
▲ 1.37% above Indiana avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.63%▲ 1.37% above avgNationally 2.79%
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%
- 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%
▲ 1.37% above Indiana avg
▼
Rate4.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.63%▲ 1.37% above avgNationally 2.79%
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
Summit Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
6 Month Certificate
$0
3.95%
▲ 1.32% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.63%▲ 1.32% above avgNationally 2.79%
Details
Rate History
1 change since Sep 18, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
- Oct 5, 20263.95%▲ from 3.70%
- Sep 18, 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%
▲ 1.29% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.63%▲ 1.29% above avgNationally 2.79%
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%
- 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%
▲ 1.19% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.63%▲ 1.19% above avgNationally 2.79%
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
Encompass Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.86%
6 Month Certificate of Deposit
$0
3.82%
▲ 1.19% above Indiana avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.63%▲ 1.19% above avgNationally 2.79%
Details
A Regular Savings Account is required; There may be penalties for early withdrawal
Rate History
No change since Sep 12, 2026 · 3.82% APY · checked 8 times
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Share Certificates - 6 Months
$0
3.80%
▲ 1.17% above Indiana avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.63%▲ 1.17% above avgNationally 2.79%
Details
Balance: $50,000 & Over
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
6 Month Share Certificates
$0
3.76%
▲ 1.13% above Indiana avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.63%▲ 1.13% above avgNationally 2.79%
Details
Certificate yields assume dividends compounded monthly; early withdrawal penalty applies
Rate History
No change since Oct 13, 2026 · 3.76% APY · checked 2 times
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6 Month CD
$500
3.75%
▲ 1.12% above Indiana avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.63%▲ 1.12% above avgNationally 2.79%
Details
Certificates of Deposit; Minimum balance to obtain APY: $500
Rate History
No change since Sep 9, 2026 · 3.75% APY · checked 9 times
FSB New Madison, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
6 Month CD Specials
$0
3.75%
▲ 1.12% above Indiana avg
▼
Rate3.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.63%▲ 1.12% above avgNationally 2.79%
Details
Rate History
No change since Oct 3, 2026 · 3.75% APY · checked 3 times
Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
6 Month Certificate
$500
3.75%
▲ 1.12% above Indiana avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.63%▲ 1.12% above avgNationally 2.79%
Details
Rate History
1 change since Sep 20, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- 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
$0
3.75%
▲ 1.12% above Indiana avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.63%▲ 1.12% above avgNationally 2.79%
Details
Rate History
No change since Oct 5, 2026 · 3.75% APY · checked 4 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Youth Share Certificates - 6 Months
$50
3.75%
▲ 1.12% above Indiana avg
▼
Rate3.70%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.63%▲ 1.12% above avgNationally 2.79%
Details
Available to members ages 17 & younger; Maximum original principal balance of $5,000; Higher rates than non-youth share certificates
Rate History
No change since Oct 15, 2026 · 3.75% APY
Montana Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
Share Certificate - 6 months
$1,000
3.75%
▲ 1.12% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.63%▲ 1.12% above avgNationally 2.79%
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%
- 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%
▲ 1.12% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.63%▲ 1.12% above avgNationally 2.79%
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%
- 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%
▲ 1.07% above Indiana avg
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.63%▲ 1.07% above avgNationally 2.79%
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
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6 Month Certificates
$0
3.70%
▲ 1.07% above Indiana avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.63%▲ 1.07% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
Eastern Indiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
6 Month Certificate
$500
3.68%
▲ 1.05% above Indiana avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.63%▲ 1.05% above avgNationally 2.79%
Details
Early withdrawal penalty: forfeit 90 days dividend
Rate History
No change since Sep 12, 2026 · 3.68% APY · checked 9 times
Dubois-Pike Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
6 Month Share Certificates
$1,000
3.68%
▲ 1.05% above Indiana avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.63%▲ 1.05% above avgNationally 2.79%
Details
$1,000 minimum deposit; Not eligible for online opening; Penalty for early withdrawal; Non-renewable
Rate History
1 change since Sep 14, 2026 · 3.53% → 3.68% ▲ 0.15 pts · high 3.68% / low 3.53%
- 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%
92 - 180 Day Certificate of Deposit
$0
3.65%
▲ 1.02% above Indiana avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.63%▲ 1.02% above avgNationally 2.79%
Details
Rate History
1 change since Sep 19, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55%
- Sep 24, 20263.65%▲ from 3.55%
- Sep 19, 20263.55%first recorded
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Certificates of Deposit - 6 Month
$500
3.65%
▲ 1.02% above Indiana avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.63%▲ 1.02% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
6 Month Share Certificates
$0
3.65%
▲ 1.02% above Indiana avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.63%▲ 1.02% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Share Certificate - 6 Months
$500
3.65%
▲ 1.02% above Indiana avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.63%▲ 1.02% above avgNationally 2.79%
Details
Dividend rate fixed for term; dividends compounded and paid quarterly; substantial penalty for early withdrawal
Rate History
No change since Oct 15, 2026 · 3.65% APY
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Business Step Up Certificates - 6 Month
$1,000
3.60%
▲ 0.97% above Indiana avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.63%▲ 0.97% above avgNationally 2.79%
Details
Penalty for early withdrawal. Fees may reduce earnings. Minimum $1000.00 deposit.
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Certificates - 6 Month
$200
3.60%
▲ 0.97% above Indiana avg
▼
Rate3.54%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.63%▲ 0.97% above avgNationally 2.79%
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 8 times
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
6 Month IRA Share Certificate
$500
3.60%
▲ 0.97% above Indiana avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.63%▲ 0.97% above avgNationally 2.79%
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 · 4.00% → 3.60% ▼ 0.40 pts · high 4.00% / low 3.60%
- Oct 19, 20263.60%▼ from 4.00%
- Oct 14, 20264.00%first recorded
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
6 Month Share Certificate
$500
3.60%
▲ 0.97% above Indiana avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.63%▲ 0.97% above avgNationally 2.79%
Details
Dividend rates declared monthly
Rate History
No change since Oct 19, 2026 · 3.60% APY
LNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Certificate of Deposit - 6 Months or >
$10,000
3.56%
▲ 0.93% above Indiana avg
▼
Rate3.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.63%▲ 0.93% above avgNationally 2.79%
Details
$10M; Balance $10M or more
Rate History
No change since Oct 20, 2026 · 3.56% APY
Thrive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
Share Certificates - 6 Months
$0
3.56%
▲ 0.93% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.63%▲ 0.93% above avgNationally 2.79%
Details
Balance: $10,000.00 and over
Rate History
1 change since Sep 16, 2026 · 3.25% → 3.56% ▲ 0.31 pts · high 3.56% / low 3.25%
- Oct 15, 20263.56%▲ from 3.25%
- Sep 16, 20263.25%first recorded
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Share Certificates - 6 Months
$0
3.55%
▲ 0.92% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.63%▲ 0.92% above avgNationally 2.79%
Details
Balance: $1,000 - $49,999
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 2 times
Hudson 12 Month CD Rates
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%
12-Month IRA
$0
4.60%
▲ 1.78% above Indiana avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 1.78% above avgNationally 3.00%
Details
IRA Rates; Footnote 4: minimum initial deposit $1,000 for Traditional and Roth IRA Certificates, $500 for Educational IRA Certificates; Dividends are compounded daily and paid quarterly
Rate History
1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
- 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%
Traditional 12-Month IRA Certificate - Premier Member
$500
4.50%
▲ 1.68% above Indiana avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 1.68% above avgNationally 3.00%
Details
Premier member rate; APY | Dividend Rate; minimum balance to open an IRA certificate is $500; Traditional & Roth Certificates Rates
Rate History
No change since Oct 12, 2026 · 4.50% APY · checked 2 times
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
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.68% above avgNationally 3.00%
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
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
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.68% above avgNationally 3.00%
Details
Effective Date: 10/1/2026
Rate History
No change since Oct 19, 2026 · 4.50% APY
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
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 1.57% above avgNationally 3.00%
Details
Non-Compounding Certificates available; early withdrawal penalties may apply
Rate History
1 change since Sep 16, 2026 · 3.92% → 4.39% ▲ 0.47 pts · high 4.39% / low 3.92%
- Oct 8, 20264.39%▲ from 3.92%
- Sep 16, 20263.92%first recorded
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
▼
Rate4.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 1.51% above avgNationally 3.00%
Details
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- 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
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.50% above avgNationally 3.00%
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%
- 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
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.48% above avgNationally 3.00%
Details
APY accurate as of 10/19/2026; Maximum deposit is $10 million; Not available for public units; Limited-time offer
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 2 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-month CD
$500
4.30%
▲ 1.48% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.48% above avgNationally 3.00%
Details
Top Rate; Maximum deposit $10 million; not available for public units or Business CDs
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- 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
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 1.46% above avgNationally 3.00%
Details
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.28% ▲ 0.26 pts · high 4.28% / low 4.02%
- 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%
Traditional 12-Month IRA Certificate
$500
4.25%
▲ 1.43% above Indiana avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 1.43% above avgNationally 3.00%
Details
Non-premier member rate; APY | Dividend Rate; minimum balance to open an IRA certificate is $500; Traditional & Roth Certificates Rates
Rate History
1 change since Sep 14, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.25%
- Sep 25, 20264.25%▼ from 4.50%
- Sep 14, 20264.50%first recorded
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
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 1.43% above avgNationally 3.00%
Details
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%
- Oct 15, 20264.25%▲ from 4.01%
- Sep 21, 20264.01%▲ from 3.87%
- Sep 14, 20263.87%first recorded
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
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.43% above avgNationally 3.00%
Details
$1,000 minimum deposit. Penalty for early withdrawal.
Rate History
No change since Oct 19, 2026 · 4.25% APY
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
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 1.36% above avgNationally 3.00%
Details
Dividend Rate: T-Bill + 0.00%; Rate Type: Variable; Allows monthly additions
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
- 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
▼
Rate4.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.33% above avgNationally 3.00%
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%
- Oct 19, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Summit Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
12 Month Certificate Specials
$0
4.10%
▲ 1.28% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 1.28% above avgNationally 3.00%
Details
Specials
Rate History
No change since Oct 13, 2026 · 4.10% APY · checked 2 times
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
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.82%▲ 1.23% above avgNationally 3.00%
Details
Quarterly compounding. IRA funds permitted. No business funds permitted.
Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
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
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 1.23% above avgNationally 3.00%
Details
Rate History
No change since Sep 25, 2026 · 4.05% APY · checked 5 times
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
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 1.23% above avgNationally 3.00%
Details
Rate History
No change since Sep 25, 2026 · 4.05% APY · checked 5 times
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
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▲ 1.22% above avgNationally 3.00%
Details
Relationship certificate
Rate History
1 change since Oct 14, 2026 · 4.00% → 4.04% ▲ 0.04 pts · high 4.04% / low 4.00%
- Oct 20, 20264.04%▲ from 4.00%
- Oct 14, 20264.00%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
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 3.00%
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
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
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 3.00%
Details
Special certificate requiring a $5,000 deposit; Penalties for early withdrawal apply
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 8, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Certificates of Deposit - 12 Month
$10,000
4.00%
▲ 1.18% above Indiana avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 3.00%
Details
New accounts only with $10,000 new money deposit; Rates and APYs effective as of 4/20/26
Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 6 times
PrimeTrust Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
Business Share Certificates - 1 Year
$1,000
4.00%
▲ 1.18% above Indiana avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 3.00%
Details
No rate bump available
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
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
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 3.00%
Details
Not eligible for Direct Deposit discount
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
PrimeTrust Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
Share Certificate - 1 Year
$1,000
4.00%
▲ 1.18% above Indiana avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 3.00%
Details
No rate bump available; Share Certificates - $1000 minimum
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
12 Month Certificate
$0
4.00%
▲ 1.18% above Indiana avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 3.00%
Details
Balance: $500 - $20,000; Dividend Rate 3.94%; Rates as of 11/01/2024
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Summit Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
12 Month Certificate
$0
4.00%
▲ 1.18% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 3.00%
Details
Rate History
1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Oct 5, 20264.00%▲ from 3.70%
- Sep 18, 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
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 3.00%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
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
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 3.00%
Details
Balance: Under $10,000; Plus Youth Bonus (4.00% + Youth Bonus as printed)
Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 3 times
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
12 Month IRA Share Certificate
$500
4.00%
▲ 1.18% above Indiana avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 3.00%
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%
- 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
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 3.00%
Details
Dividend rates declared monthly
Rate History
No change since Oct 19, 2026 · 4.00% APY
Napoleon State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.53%
1 Year Certificate of Deposit
$50,000
3.95%
▲ 1.13% above Indiana avg
▼
Rate3.87%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.82%▲ 1.13% above avgNationally 3.00%
Details
Rate History
No change since Oct 7, 2026 · 3.95% APY · checked 2 times
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
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.10% above avgNationally 3.00%
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%
- 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
$0
3.91%
▲ 1.09% above Indiana avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 1.09% above avgNationally 3.00%
Details
Rate History
No change since Oct 5, 2026 · 3.91% APY · checked 4 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Youth Share Certificates - 12 Months
$50
3.91%
▲ 1.09% above Indiana avg
▼
Rate3.85%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 1.09% above avgNationally 3.00%
Details
Available to members ages 17 & younger; Maximum original principal balance of $5,000; Higher rates than non-youth share certificates
Rate History
No change since Oct 15, 2026 · 3.91% APY
Napoleon State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.53%
1 Year Certificate of Deposit
$500
3.90%
▲ 1.08% above Indiana avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.82%▲ 1.08% above avgNationally 3.00%
Details
Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 2 times
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
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 1.05% above avgNationally 3.00%
Details
Early withdrawal penalty: forfeit 90 days dividend; Effective 10/01/2026
Rate History
No change since Sep 12, 2026 · 3.87% APY · checked 9 times
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
12 Month Share Certificates
$0
3.87%
▲ 1.05% above Indiana avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.05% above avgNationally 3.00%
Details
Certificate yields assume dividends compounded monthly; early withdrawal penalty applies
Rate History
No change since Oct 13, 2026 · 3.87% APY · checked 2 times
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
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 1.03% above avgNationally 3.00%
Details
IRA Accounts; Minimum balance required on all IRA Certificates is $250
Rate History
No change since Oct 13, 2026 · 3.85% APY · checked 2 times
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
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▲ 1.00% above avgNationally 3.00%
Details
Rate History
1 change since Sep 19, 2026 · 3.28% → 3.82% ▲ 0.54 pts · high 3.82% / low 3.28%
- Sep 24, 20263.82%▲ from 3.28%
- Sep 19, 20263.28%first recorded
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
12 Month Certificate
$500
3.80%
▲ 0.98% above Indiana avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 0.98% above avgNationally 3.00%
Details
Certificate Rates effective 07/01/2025
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
12 Month Share Certificates
$0
3.80%
▲ 0.98% above Indiana avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 0.98% above avgNationally 3.00%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Share Certificate - 12 Months
$500
3.80%
▲ 0.98% above Indiana avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▲ 0.98% above avgNationally 3.00%
Details
Dividend rate fixed for term; dividends compounded and paid quarterly; substantial penalty for early withdrawal
Rate History
No change since Oct 15, 2026 · 3.80% APY
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Share Certificate - 12 Months
$0
3.80%
▲ 0.98% above Indiana avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 0.98% above avgNationally 3.00%
Details
Balance: $50,000 & Over
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
PROFINANCE
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
CD Special 12 Month
$5,000
3.80%
▲ 0.98% above Indiana avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 0.98% above avgNationally 3.00%
Details
$5,000 minimum, NEW MONEY ONLY
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 9 times
FCN Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
12 Month CD
$1,000
3.79%
▲ 0.97% above Indiana avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.82%▲ 0.97% above avgNationally 3.00%
Details
Balance: $1,000.00 - $99,999.99
Rate History
No change since Sep 24, 2026 · 3.79% APY · checked 6 times
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Certificates - 12 Month
$200
3.75%
▲ 0.93% above Indiana avg
▼
Rate3.69%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▲ 0.93% above avgNationally 3.00%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 8 times
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
12 Month Renewal CD
$0
3.75%
▲ 0.93% above Indiana avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▲ 0.93% above avgNationally 3.00%
Details
Renewal rate; Book Appointment
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
12-Month CD
$1,000
3.75%
▲ 0.93% above Indiana avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▲ 0.93% above avgNationally 3.00%
Details
Featured New Money CD Rate; Opening Minimum $1,000
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 8 times
Hudson 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
18 Month Variable Rate Certificate
$1,000
4.62%
▲ 2.02% above Indiana avg
▼
Rate4.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.60%▲ 2.02% 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%
- 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%
18 Month Share Certificate
$1,000
4.50%
▲ 1.90% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.60%▲ 1.90% above avgNationally 2.88%
Details
Primary members under 18: $500 minimum deposit; Penalty for early withdrawal
Rate History
No change since Oct 15, 2026 · 4.50% APY
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
IRA 18 Month Term
$1,000
4.50%
▲ 1.90% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.60%▲ 1.90% above avgNationally 2.88%
Details
Minimum deposit of $1,000 to open IRA; primary members under 18 must have $500 minimum deposit; minimum $500 balance required to earn dividends; APY effective as of October 1, 2026
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18-Month CD
$1,000
4.35%
▲ 1.75% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.60%▲ 1.75% 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%
- 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%
▲ 1.65% above Indiana avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.60%▲ 1.65% 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%
- 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%
▲ 1.65% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.60%▲ 1.65% above avgNationally 2.88%
Details
Balanced Growth; Maximum deposit $10 million; not available for public units or Business CDs
Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 3 times
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
CW Certificates - 18 Months
$1,000
4.20%
▲ 1.60% above Indiana avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.60%▲ 1.60% 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
Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo 18 Mo CD
$100,000
4.10%
▲ 1.50% above Indiana avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.60%▲ 1.50% above avgNationally 2.88%
Details
Rate History
No change since Oct 15, 2026 · 4.10% APY
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
18 Mo. Certificate
$1,000
4.08%
▲ 1.48% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.60%▲ 1.48% 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%
- 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%
▲ 1.41% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.60%▲ 1.41% above avgNationally 2.88%
Details
Balance: $5,000 and Above; $5,000 minimum balance to maintain disclosed APY; $500 minimum balance to open CD
Rate History
2 changes since Sep 14, 2026 · 2.27% → 4.01% ▲ 1.74 pts · high 4.01% / low 2.27%
- Sep 24, 20264.01%▲ from 2.60%
- Sep 20, 20262.60%▲ from 2.27%
- Sep 14, 20262.27%first recorded
Crossroads Bank Wabash, IN
Institution Rating:
A5.0 ★Texas Ratio: 12.07%
Certificates of Deposit Specials - 18 Month Special
$0
4.00%
▲ 1.40% above Indiana avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.60%▲ 1.40% 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 2 times
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
18 Month IRA Share Certificate
$500
4.00%
▲ 1.40% above Indiana avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.60%▲ 1.40% 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%
- 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%
▲ 1.40% above Indiana avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.60%▲ 1.40% above avgNationally 2.88%
Details
Dividend rates declared monthly
Rate History
No change since Oct 19, 2026 · 4.00% APY
Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
18 Month Companion CD
$1,000
3.90%
▲ 1.30% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.60%▲ 1.30% above avgNationally 2.88%
Details
Requires Lake City Bank checking account for higher rate; Deposits allowed: no; Withdrawals allowed: no; APY quoted as of October 20, 2026
Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
Eastern Indiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Roth 18 Month IRA Certificate
$500
3.89%
▲ 1.29% above Indiana avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.60%▲ 1.29% above avgNationally 2.88%
Details
IRA Certificates subject to early withdrawal penalty; Early Withdrawal Penalty: forfeit 90 days dividend
Rate History
No change since Sep 12, 2026 · 3.89% APY · checked 9 times
Eastern Indiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Traditional 18 Month IRA Certificate
$500
3.89%
▲ 1.29% above Indiana avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.60%▲ 1.29% above avgNationally 2.88%
Details
IRA Certificates subject to early withdrawal penalty; Early Withdrawal Penalty: forfeit 90 days dividend
Rate History
No change since Sep 12, 2026 · 3.89% APY · checked 9 times
Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Mo CD
$500
3.85%
▲ 1.25% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.60%▲ 1.25% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 5 times
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
18 Month Certificates
$0
3.80%
▲ 1.20% above Indiana avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.60%▲ 1.20% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80%
▲ 1.20% above Indiana avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.60%▲ 1.20% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Rewards
$0
3.80%
▲ 1.20% above Indiana avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.60%▲ 1.20% above avgNationally 2.88%
Details
Rewards APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular
$0
3.80%
▲ 1.20% above Indiana avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.60%▲ 1.20% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Rewards
$0
3.80%
▲ 1.20% above Indiana avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.60%▲ 1.20% above avgNationally 2.88%
Details
Rewards APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
IRA CD Specials - 18-month term
$0
3.80%
▲ 1.20% above Indiana avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.60%▲ 1.20% 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%
- 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%
▲ 1.15% above Indiana avg
▼
Rate3.69%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.60%▲ 1.15% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 8 times
Thrive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
Share Certificates - 18 Months
$0
3.75%
▲ 1.15% above Indiana avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.60%▲ 1.15% above avgNationally 2.88%
Details
Rate History
1 change since Sep 16, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
- Oct 15, 20263.75%▲ from 3.40%
- Sep 16, 20263.40%first recorded
Hendricks County Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
IRA 18 Month Certificate
$500
3.72%
▲ 1.12% above Indiana avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.60%▲ 1.12% above avgNationally 2.88%
Details
Balance: Under $100,000.00
Rate History
No change since Oct 20, 2026 · 3.72% APY
Hoosier United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
18 Month Certificate
$0
3.56%
▲ 0.96% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.60%▲ 0.96% 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%
- 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%
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
18 Month Share Certificates
$0
3.55%
▲ 0.95% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.60%▲ 0.95% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Share Certificate - 18 Months
$500
3.55%
▲ 0.95% above Indiana avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.60%▲ 0.95% above avgNationally 2.88%
Details
Dividend rate fixed for term; dividends compounded and paid quarterly; substantial penalty for early withdrawal
Rate History
No change since Oct 15, 2026 · 3.55% APY
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Share Certificate 18 Months
$0
3.55%
▲ 0.95% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.60%▲ 0.95% above avgNationally 2.88%
Details
Balance: $50,000 & Over
Rate History
No change since Oct 19, 2026 · 3.55% APY
First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month CD Special
$500
3.51%
▲ 0.91% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.60%▲ 0.91% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 3.51% APY · checked 2 times
Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
18-Month CD Special
$1,000
3.50%
▲ 0.90% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.60%▲ 0.90% 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
American Community Bank of Indiana
Institution Rating:
B-4.3 ★Texas Ratio: 22.89%
SPECIAL: 18 Month Certificate of Deposit
$0
3.50%
▲ 0.90% above Indiana avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.60%▲ 0.90% 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%
- 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%
▲ 0.90% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.60%▲ 0.90% above avgNationally 2.88%
Details
Published APY range: 3.50% - 3.55%. Penalty: 9 Months
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 3 times
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
18 Month Certificate Special
$1,000
3.50%
▲ 0.90% above Indiana avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.60%▲ 0.90% above avgNationally 2.88%
Details
Early withdrawal penalty may be imposed; must have Garrett State Bank deposit account with a direct deposit
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Oct 15, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
Traditional 18-Month IRA Certificate - Premier Member
$500
3.50%
▲ 0.90% above Indiana avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.60%▲ 0.90% above avgNationally 2.88%
Details
Premier member rate; APY | Dividend Rate; minimum balance to open an IRA certificate is $500; Traditional & Roth Certificates Rates
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 2 times
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
18 Month Share Certificates
$0
3.49%
▲ 0.89% above Indiana avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.60%▲ 0.89% 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
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Certificates of Deposit - 18 Month Flexible
$500
3.44%
▲ 0.84% above Indiana avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.60%▲ 0.84% above avgNationally 2.88%
Details
Flexible; Additional deposits will not affect the maturity date
Rate History
No change since Oct 15, 2026 · 3.44% APY
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate
$100,000
3.30%
▲ 0.70% above Indiana avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.60%▲ 0.70% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Traditional Certificate
$100,000
3.30%
▲ 0.70% above Indiana avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.60%▲ 0.70% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
18 Month Traditional Certificate
$100,000
3.30%
▲ 0.70% above Indiana avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.60%▲ 0.70% above avgNationally 2.88%
Details
Rate History
No change since Oct 12, 2026 · 3.30% APY · checked 2 times
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
18 Month IRA Certificate
$2,500
3.30%
▲ 0.70% above Indiana avg
▼
Rate3.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.60%▲ 0.70% 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%
- 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%
▲ 0.70% above Indiana avg
▼
Rate3.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.60%▲ 0.70% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 2 times
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Share Certificate 18 Months
$0
3.29%
▲ 0.69% above Indiana avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.60%▲ 0.69% above avgNationally 2.88%
Details
Balance: $1,000 - $49,999
Rate History
No change since Oct 19, 2026 · 3.29% APY
Wayne Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
18 month certificate
$1,000
3.28%
▲ 0.68% above Indiana avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.60%▲ 0.68% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 3.28% APY · checked 5 times
Wayne Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
18 Month IRA
$100
3.28%
▲ 0.68% above Indiana avg
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.60%▲ 0.68% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 3.28% APY · checked 5 times
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Business Step Up Certificates - 18 Month
$1,000
3.25%
▲ 0.65% above Indiana avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.60%▲ 0.65% above avgNationally 2.88%
Details
Penalty for early withdrawal. Fees may reduce earnings. Minimum $1000.00 deposit.
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
18 Month CD
$0
3.25%
▲ 0.65% above Indiana avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.60%▲ 0.65% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
18 Month Certificate of Deposit
$1,000
3.25%
▲ 0.65% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.60%▲ 0.65% above avgNationally 2.88%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
18-Month IRA
$1,000
3.25%
▲ 0.65% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.60%▲ 0.65% above avgNationally 2.88%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
Hudson 24 Month CD Rates
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%
24-Month IRA
$0
4.81%
▲ 2.01% above Indiana avg
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.80%▲ 2.01% above avgNationally 2.90%
Details
IRA Rates; Footnote 4: minimum initial deposit $1,000 for Traditional and Roth IRA Certificates, $500 for Educational IRA Certificates; Dividends are compounded daily and paid quarterly
Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
- 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%
▲ 1.75% above Indiana avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.80%▲ 1.75% above avgNationally 2.90%
Details
Non-Compounding Certificates available; early withdrawal penalties may apply
Rate History
1 change since Sep 16, 2026 · 4.08% → 4.55% ▲ 0.47 pts · high 4.55% / low 4.08%
- Oct 8, 20264.55%▲ from 4.08%
- Sep 16, 20264.08%first recorded
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Savers Certificate - 24 Months
$50
4.45%
▲ 1.65% above Indiana avg
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.80%▲ 1.65% above avgNationally 2.90%
Details
Dividend Rate: T-Bill + 0.25%; Rate Type: Variable; Allows monthly additions
Rate History
1 change since Sep 14, 2026 · 4.13% → 4.45% ▲ 0.32 pts · high 4.45% / low 4.13%
- 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%
▲ 1.45% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.80%▲ 1.45% above avgNationally 2.90%
Details
24-month CD/IRA Promotional Rate; Rates may vary by zip code; APY effective 9/25/2026 for a limited time
Rate History
No change since Oct 20, 2026 · 4.25% APY
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
24-month CD
$500
4.25%
▲ 1.45% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.80%▲ 1.45% above avgNationally 2.90%
Details
Long-Term Security; Maximum deposit $10 million; not available for public units or Business CDs
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- 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%
▲ 1.35% above Indiana avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.80%▲ 1.35% 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
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Share Certificates - 24 Month
$0
4.15%
▲ 1.35% above Indiana avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.80%▲ 1.35% above avgNationally 2.90%
Details
Minimum deposit tier: $100,000
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
24 Mo. Certificate
$1,000
4.13%
▲ 1.33% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.80%▲ 1.33% 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%
- 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%
2 Year Certificate
$0
4.05%
▲ 1.25% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.80%▲ 1.25% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
- Oct 5, 20264.05%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
24 Month CD Special
$500
4.00%
▲ 1.20% above Indiana avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.80%▲ 1.20% 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
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24 Month CD
$0
4.00%
▲ 1.20% above Indiana avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.80%▲ 1.20% above avgNationally 2.90%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24 Month Certificate of Deposit
$1,000
4.00%
▲ 1.20% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.80%▲ 1.20% above avgNationally 2.90%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24-Month IRA
$1,000
4.00%
▲ 1.20% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.80%▲ 1.20% 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 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 24-Month
$1,000
4.00%
▲ 1.20% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.80%▲ 1.20% 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%
- Oct 7, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
24 Month Advantage
$2,500
4.00%
▲ 1.20% above Indiana avg
▼
Rate3.94%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.80%▲ 1.20% above avgNationally 2.90%
Details
Early withdrawal penalty may be imposed; must have Garrett State Bank deposit account with a 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%
- Oct 15, 20264.00%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
24 Month IRA CD
$500
4.00%
▲ 1.20% above Indiana avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.80%▲ 1.20% above avgNationally 2.90%
Details
An 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%
- Oct 15, 20264.00%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
IRA Certificate - 2 Year
$500
4.00%
▲ 1.20% above Indiana avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.80%▲ 1.20% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Share Certificates - 24 Month
$0
4.00%
▲ 1.20% above Indiana avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.80%▲ 1.20% above avgNationally 2.90%
Details
Minimum deposit tier: $500
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
24 Month IRA Share Certificate
$500
4.00%
▲ 1.20% above Indiana avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.80%▲ 1.20% 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%
- 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%
▲ 1.20% above Indiana avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.80%▲ 1.20% above avgNationally 2.90%
Details
Dividend rates declared monthly
Rate History
No change since Oct 19, 2026 · 4.00% APY
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Business Step Up Certificates - 2 Year
$1,000
3.90%
▲ 1.10% above Indiana avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.80%▲ 1.10% 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
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
24 Month Certificates
$0
3.85%
▲ 1.05% above Indiana avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.80%▲ 1.05% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Certificates - 2 Year
$200
3.80%
▲ 1.00% above Indiana avg
▼
Rate3.74%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.80%▲ 1.00% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 8 times
Thrive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
Share Certificates - 24 Months
$0
3.80%
▲ 1.00% above Indiana avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.80%▲ 1.00% above avgNationally 2.90%
Details
Rate History
1 change since Sep 16, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
- Oct 15, 20263.80%▲ from 3.40%
- Sep 16, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Roth Executive IRA Certificate
$100,000
3.80%
▲ 1.00% above Indiana avg
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.80%▲ 1.00% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Traditional Executive IRA Certificate
$100,000
3.80%
▲ 1.00% above Indiana avg
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.80%▲ 1.00% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
LNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Certificate of Deposit - 2 Years Relationship
$500
3.79%
▲ 0.99% above Indiana avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.80%▲ 0.99% above avgNationally 2.90%
Details
Relationship certificate
Rate History
No change since Oct 20, 2026 · 3.79% APY
Hoosier United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
24 Month Certificate
$0
3.77%
▲ 0.97% above Indiana avg
▼
Rate3.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.80%▲ 0.97% 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%
- 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%
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
24 Month Certificate
$5,000
3.75%
▲ 0.95% above Indiana avg
▼
Rate3.70%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.80%▲ 0.95% 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 5 times
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
24 Month Regular
$500
3.75%
▲ 0.95% above Indiana avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.80%▲ 0.95% above avgNationally 2.90%
Details
An 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%
- Oct 15, 20263.75%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Dubois-Pike Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
24 Month Share Certificates
$1,000
3.75%
▲ 0.95% above Indiana avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.80%▲ 0.95% above avgNationally 2.90%
Details
$1,000 minimum deposit; Not eligible for online opening; Penalty for early withdrawal; Non-renewable
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 10 times
Montana Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
Share Certificate - 2 years
$1,000
3.75%
▲ 0.95% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.80%▲ 0.95% 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%
- 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%
▲ 0.90% above Indiana avg
▼
Rate3.63%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.80%▲ 0.90% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Traditional Premier IRA Certificate
$10,000
3.70%
▲ 0.90% above Indiana avg
▼
Rate3.63%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.80%▲ 0.90% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
Crossroads Bank Wabash, IN
Institution Rating:
A5.0 ★Texas Ratio: 12.07%
Certificates of Deposit Specials - 24 Month Special
$0
3.65%
▲ 0.85% above Indiana avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.80%▲ 0.85% 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 2 times
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
24 Month Certificate
$500
3.65%
▲ 0.85% above Indiana avg
▼
Rate3.58%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.80%▲ 0.85% 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
Allegius Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
24 Month Share Certificates
$0
3.60%
▲ 0.80% above Indiana avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.80%▲ 0.80% above avgNationally 2.90%
Details
Balance: $1,000 Minimum
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 7 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Roth IRA Certificate
$500
3.60%
▲ 0.80% above Indiana avg
▼
Rate3.53%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.80%▲ 0.80% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Traditional IRA Certificate
$500
3.60%
▲ 0.80% above Indiana avg
▼
Rate3.53%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.80%▲ 0.80% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
South Bend Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
24 Month Certificate
$1,000
3.56%
▲ 0.76% above Indiana avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.80%▲ 0.76% above avgNationally 2.90%
Details
Early withdrawal penalty: forfeit 180 days dividend
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 7 times
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
24 Month Certificate
$10,000
3.56%
▲ 0.76% above Indiana avg
▼
Rate3.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.80%▲ 0.76% above avgNationally 2.90%
Details
Rate History
No change since Oct 9, 2026 · 3.56% APY · checked 2 times
Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2 Year Certificate of Deposit
$0
3.55%
▲ 0.75% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.80%▲ 0.75% above avgNationally 2.90%
Details
Rate History
1 change since Sep 19, 2026 · 3.44% → 3.55% ▲ 0.11 pts · high 3.55% / low 3.44%
- 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%
▲ 0.75% above Indiana avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.80%▲ 0.75% above avgNationally 2.90%
Details
2 Option; Additional deposits will not affect the maturity date
Rate History
No change since Oct 15, 2026 · 3.55% APY
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
24 Month Share Certificates
$0
3.55%
▲ 0.75% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.80%▲ 0.75% above avgNationally 2.90%
Details
Certificate yields assume dividends compounded monthly; early withdrawal penalty applies
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
24 Month Certificate
$10
3.50%
▲ 0.70% above Indiana avg
▼
Rate3.45%
Min Deposit$10
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.80%▲ 0.70% above avgNationally 2.90%
Details
Daily compounding $10 minimum additions allowed
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 5 times
Logansport Savings Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.53%
Certificate - 24 Months
$0
3.50%
▲ 0.70% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.80%▲ 0.70% above avgNationally 2.90%
Details
Published APY range: 3.50% - 3.55%. Penalty: 12 Months
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 3 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
Traditional 24-Month IRA Certificate - Premier Member
$500
3.50%
▲ 0.70% above Indiana avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.80%▲ 0.70% above avgNationally 2.90%
Details
Premier member rate; APY | Dividend Rate; minimum balance to open an IRA certificate is $500; Traditional & Roth Certificates Rates
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 2 times
Haynes Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
Share Certificate - 24 Month
$0
3.50%
▲ 0.70% above Indiana avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.80%▲ 0.70% above avgNationally 2.90%
Details
Penalty may be imposed for early withdrawal
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 3 times
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
24 Month Share Certificate
$0
3.50%
▲ 0.70% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.80%▲ 0.70% above avgNationally 2.90%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
24 Month Share Certificates
$0
3.50%
▲ 0.70% above Indiana avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.80%▲ 0.70% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
Hudson 36 Month CD Rates
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 - 36 Months
$500
4.71%
▲ 1.92% above Indiana avg
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 1.92% above avgNationally 2.82%
Details
Non-Compounding Certificates available; early withdrawal penalties may apply
Rate History
1 change since Sep 16, 2026 · 4.13% → 4.71% ▲ 0.58 pts · high 4.71% / low 4.13%
- Oct 8, 20264.71%▲ from 4.13%
- Sep 16, 20264.13%first recorded
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
36-Month CD
$0
4.40%
▲ 1.61% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▲ 1.61% above avgNationally 2.82%
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
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
36 Month Certificate of Deposit
$1,000
4.32%
▲ 1.53% above Indiana avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▲ 1.53% above avgNationally 2.82%
Details
Rate History
2 changes since Sep 11, 2026 · 3.03% → 4.32% ▲ 1.29 pts · high 4.32% / low 3.03%
- 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%
▲ 1.53% above Indiana avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▲ 1.53% above avgNationally 2.82%
Details
Rate History
No change since Oct 20, 2026 · 4.32% APY
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
36 Month Advantage
$2,500
4.25%
▲ 1.46% above Indiana avg
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 1.46% above avgNationally 2.82%
Details
Early withdrawal penalty may be imposed; must have Garrett State Bank deposit account with a direct deposit; allows two rate changes (bumps) during the 36 month term
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 15, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
36 Month IRA CD
$500
4.25%
▲ 1.46% above Indiana avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 1.46% above avgNationally 2.82%
Details
An 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%
- Oct 15, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
36 Mo. Certificate
$1,000
4.18%
▲ 1.39% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 1.39% above avgNationally 2.82%
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%
- 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 Certificates
$1,000
4.16%
▲ 1.37% above Indiana avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 1.37% above avgNationally 2.82%
Details
$1,000 minimum deposit; Not eligible for online opening; Penalty for early withdrawal; Non-renewable
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.16% ▲ 0.36 pts · high 4.16% / low 3.80%
- 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%
36 Month CD
$0
4.15%
▲ 1.36% above Indiana avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.79%▲ 1.36% above avgNationally 2.82%
Details
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month Certificate of Deposit
$1,000
4.15%
▲ 1.36% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.79%▲ 1.36% above avgNationally 2.82%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36-Month IRA
$1,000
4.15%
▲ 1.36% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.79%▲ 1.36% above avgNationally 2.82%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 36-Month
$1,000
4.15%
▲ 1.36% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.79%▲ 1.36% above avgNationally 2.82%
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%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Summit Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
3 Year Certificate
$0
4.10%
▲ 1.31% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 1.31% above avgNationally 2.82%
Details
Rate History
1 change since Sep 18, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
- Oct 5, 20264.10%▲ from 3.80%
- Sep 18, 20263.80%first recorded
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
36 Month IRA Share Certificate
$500
4.10%
▲ 1.31% above Indiana avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 1.31% above avgNationally 2.82%
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%
- 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%
▲ 1.31% above Indiana avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 1.31% above avgNationally 2.82%
Details
Dividend rates declared monthly
Rate History
No change since Oct 19, 2026 · 4.10% APY
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
CW Certificates - 36 Months
$1,000
4.00%
▲ 1.21% above Indiana avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▲ 1.21% above avgNationally 2.82%
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
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
36 Month CD Special
$500
4.00%
▲ 1.21% above Indiana avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▲ 1.21% above avgNationally 2.82%
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
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
36 Month Regular
$500
4.00%
▲ 1.21% above Indiana avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 1.21% above avgNationally 2.82%
Details
An 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%
- Oct 15, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Thrive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
Share Certificates - 36 Months
$0
3.96%
▲ 1.17% above Indiana avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 1.17% above avgNationally 2.82%
Details
Rate History
1 change since Sep 16, 2026 · 3.40% → 3.96% ▲ 0.56 pts · high 3.96% / low 3.40%
- Oct 15, 20263.96%▲ from 3.40%
- Sep 16, 20263.40%first recorded
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
36 Month Certificates
$0
3.90%
▲ 1.11% above Indiana avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 1.11% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Certificates - 3 Year
$200
3.85%
▲ 1.06% above Indiana avg
▼
Rate3.78%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▲ 1.06% above avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 8 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
36 Month Share Certificates
$0
3.60%
▲ 0.81% above Indiana avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.81% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Share Certificate - 36 Months
$500
3.60%
▲ 0.81% above Indiana avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.81% above avgNationally 2.82%
Details
Dividend rate fixed for term; dividends compounded and paid quarterly; substantial penalty for early withdrawal
Rate History
No change since Oct 15, 2026 · 3.60% APY
South Bend Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
36 Month Certificate
$1,000
3.56%
▲ 0.77% above Indiana avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.77% above avgNationally 2.82%
Details
Early withdrawal penalty: forfeit 180 days dividend
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 7 times
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Certificates of Deposit - 36 Month
$500
3.55%
▲ 0.76% above Indiana avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.76% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year Roth Executive IRA Certificate
$100,000
3.55%
▲ 0.76% above Indiana avg
▼
Rate3.48%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.76% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year Traditional Executive IRA Certificate
$100,000
3.55%
▲ 0.76% above Indiana avg
▼
Rate3.48%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.76% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
36 Month Share Certificates
$0
3.55%
▲ 0.76% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 0.76% above avgNationally 2.82%
Details
Balance: $200 - $4999; Penalty: 6 Month
Rate History
No change since Sep 27, 2026 · 3.55% APY · checked 5 times
LNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Certificate of Deposit - 3 Years Relationship
$500
3.53%
▲ 0.74% above Indiana avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▲ 0.74% above avgNationally 2.82%
Details
Relationship certificate
Rate History
1 change since Oct 14, 2026 · 3.50% → 3.53% ▲ 0.03 pts · high 3.53% / low 3.50%
- 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%
▲ 0.71% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▲ 0.71% above avgNationally 2.82%
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
Logansport Savings Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.53%
Certificate - 36 Months
$0
3.50%
▲ 0.71% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▲ 0.71% above avgNationally 2.82%
Details
Published APY range: 3.50% - 3.55%. Penalty: 18 Months
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 3 times
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Certificates of Deposit - 36 Month
$10,000
3.50%
▲ 0.71% above Indiana avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.71% above avgNationally 2.82%
Details
New accounts only with $10,000 new money deposit; Rates and APYs effective as of 4/20/26
Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 6 times
Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
36 Month Certificate
$1,000
3.50%
▲ 0.71% above Indiana avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.71% above avgNationally 2.82%
Details
Rate History
1 change since Sep 20, 2026 · 2.25% → 3.50% ▲ 1.25 pts · high 3.50% / low 2.25%
- Oct 15, 20263.50%▲ from 2.25%
- Sep 20, 20262.25%first recorded
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
36 Month Certificate
$500
3.50%
▲ 0.71% above Indiana avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 0.71% above avgNationally 2.82%
Details
Rates as of 10/1/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
3 Year Share Certificate
$0
3.50%
▲ 0.71% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 0.71% above avgNationally 2.82%
Details
Penalty may apply for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
36 Month Share Certificates - IRA Traditional
$0
3.50%
▲ 0.71% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 0.71% above avgNationally 2.82%
Details
IRA withdrawals may be subject to IRS penalties
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate
$100,000
3.45%
▲ 0.66% above Indiana avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.66% above avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 3.45% APY · checked 2 times
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Traditional Certificate
$100,000
3.45%
▲ 0.66% above Indiana avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.66% above avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 3.45% APY · checked 2 times
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
36 Month Traditional Certificate
$100,000
3.45%
▲ 0.66% above Indiana avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.66% above avgNationally 2.82%
Details
Rate History
No change since Oct 12, 2026 · 3.45% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year Roth Premier IRA Certificate
$10,000
3.45%
▲ 0.66% above Indiana avg
▼
Rate3.39%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.66% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year Traditional Premier IRA Certificate
$10,000
3.45%
▲ 0.66% above Indiana avg
▼
Rate3.39%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.66% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 2 times
Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
3 Year Certificate of Deposit
$0
3.44%
▲ 0.65% above Indiana avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.79%▲ 0.65% above avgNationally 2.82%
Details
Rate History
1 change since Sep 19, 2026 · 3.34% → 3.44% ▲ 0.10 pts · high 3.44% / low 3.34%
- 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%
▲ 0.61% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.61% above avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 2 times
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Traditional Certificate
$500
3.40%
▲ 0.61% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.61% above avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 2 times
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
36 Month Traditional Certificate
$500
3.40%
▲ 0.61% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.61% above avgNationally 2.82%
Details
Rate History
No change since Oct 12, 2026 · 3.40% APY · checked 2 times
First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Year CD Special
$500
3.35%
▲ 0.56% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.79%▲ 0.56% above avgNationally 2.82%
Details
Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year Roth IRA Certificate
$500
3.35%
▲ 0.56% above Indiana avg
▼
Rate3.29%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.56% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year Traditional IRA Certificate
$500
3.35%
▲ 0.56% above Indiana avg
▼
Rate3.29%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.56% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 2 times
Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
36 Month CD
$0
3.30%
▲ 0.51% above Indiana avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.79%▲ 0.51% above avgNationally 2.82%
Details
Rate History
No change since Sep 19, 2026 · 3.30% APY · checked 6 times
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
IRA 3 Year Fixed
$0
3.30%
▲ 0.51% above Indiana avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.51% above avgNationally 2.82%
Details
Rate History
No change since Oct 15, 2026 · 3.30% APY
Hudson 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
48 Month Certificate of Deposit
$1,000
4.83%
▲ 2.17% above Indiana avg
▼
Rate4.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.66%▲ 2.17% above avgNationally 2.82%
Details
Rate History
2 changes since Sep 11, 2026 · 3.29% → 4.83% ▲ 1.54 pts · high 4.83% / low 3.29%
- 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%
▲ 2.17% above Indiana avg
▼
Rate4.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.66%▲ 2.17% above avgNationally 2.82%
Details
Rate History
No change since Oct 20, 2026 · 4.83% APY
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
48 Mo. Certificate
$1,000
4.24%
▲ 1.58% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.66%▲ 1.58% above avgNationally 2.82%
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%
- 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%
48 Month CD
$0
4.15%
▲ 1.49% above Indiana avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.66%▲ 1.49% above avgNationally 2.82%
Details
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month Certificate of Deposit
$1,000
4.15%
▲ 1.49% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.66%▲ 1.49% above avgNationally 2.82%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48-Month IRA
$1,000
4.15%
▲ 1.49% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.66%▲ 1.49% above avgNationally 2.82%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 48-Month
$1,000
4.15%
▲ 1.49% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.66%▲ 1.49% above avgNationally 2.82%
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%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Summit Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
4 Year Certificate
$0
4.15%
▲ 1.49% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.66%▲ 1.49% above avgNationally 2.82%
Details
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
- Oct 5, 20264.15%▲ from 3.85%
- Sep 18, 20263.85%first recorded
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
48 Month IRA Share Certificate
$500
4.15%
▲ 1.49% above Indiana avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.66%▲ 1.49% above avgNationally 2.82%
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%
- 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%
▲ 1.49% above Indiana avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.66%▲ 1.49% above avgNationally 2.82%
Details
Dividend rates declared monthly
Rate History
No change since Oct 19, 2026 · 4.15% APY
Thrive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
Share Certificates - 48 Months
$0
4.06%
▲ 1.40% above Indiana avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.66%▲ 1.40% above avgNationally 2.82%
Details
Rate History
1 change since Sep 16, 2026 · 3.50% → 4.06% ▲ 0.56 pts · high 4.06% / low 3.50%
- Oct 15, 20264.06%▲ from 3.50%
- Sep 16, 20263.50%first recorded
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
48 Month Certificates
$0
3.95%
▲ 1.29% above Indiana avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.66%▲ 1.29% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Certificates - 4 Year
$200
3.90%
▲ 1.24% above Indiana avg
▼
Rate3.83%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.66%▲ 1.24% above avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 8 times
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
CW Certificates - 48 Months
$1,000
3.85%
▲ 1.19% above Indiana avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.66%▲ 1.19% above avgNationally 2.82%
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
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
48 Month Share Certificates
$0
3.65%
▲ 0.99% above Indiana avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.66%▲ 0.99% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Share Certificate - 48 Months
$500
3.65%
▲ 0.99% above Indiana avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.66%▲ 0.99% above avgNationally 2.82%
Details
Dividend rate fixed for term; dividends compounded and paid quarterly; substantial penalty for early withdrawal
Rate History
No change since Oct 15, 2026 · 3.65% APY
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
48 Month Share Certificates
$0
3.60%
▲ 0.94% above Indiana avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.66%▲ 0.94% above avgNationally 2.82%
Details
Balance: $200 - $4999; Penalty: 6 Month
Rate History
No change since Sep 27, 2026 · 3.60% APY · checked 5 times
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
48 Month Certificate
$10,000
3.56%
▲ 0.90% above Indiana avg
▼
Rate3.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.66%▲ 0.90% above avgNationally 2.82%
Details
Rate History
No change since Oct 9, 2026 · 3.56% APY · checked 2 times
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Certificates of Deposit - 48 Month
$500
3.55%
▲ 0.89% above Indiana avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.66%▲ 0.89% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
IRA 4 Year Fixed
$0
3.55%
▲ 0.89% above Indiana avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.66%▲ 0.89% above avgNationally 2.82%
Details
Rate History
No change since Oct 15, 2026 · 3.55% APY
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Share Certificate - 48 Months
$0
3.55%
▲ 0.89% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.66%▲ 0.89% above avgNationally 2.82%
Details
Balance: $50,000 & Over
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 2 times
Dubois-Pike Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
48 Month Share Certificates
$1,000
3.54%
▲ 0.88% above Indiana avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.66%▲ 0.88% above avgNationally 2.82%
Details
$1,000 minimum deposit; Not eligible for online opening; Penalty for early withdrawal; Non-renewable
Rate History
1 change since Sep 14, 2026 · 3.39% → 3.54% ▲ 0.15 pts · high 3.54% / low 3.39%
- 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%
▲ 0.84% above Indiana avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.66%▲ 0.84% above avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Traditional Certificate
$100,000
3.50%
▲ 0.84% above Indiana avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.66%▲ 0.84% above avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
4 Year Certificate
$0
3.50%
▲ 0.84% above Indiana avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.66%▲ 0.84% above avgNationally 2.82%
Details
Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 5 times
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
48 Month Traditional Certificate
$100,000
3.50%
▲ 0.84% above Indiana avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.66%▲ 0.84% above avgNationally 2.82%
Details
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 2 times
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
48 Month Certificate
$500
3.50%
▲ 0.84% above Indiana avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.66%▲ 0.84% above avgNationally 2.82%
Details
Rates as of 10/1/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
4 Year Share Certificate
$0
3.50%
▲ 0.84% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.66%▲ 0.84% above avgNationally 2.82%
Details
Penalty may apply for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
48 Month Share Certificates - IRA Traditional
$0
3.50%
▲ 0.84% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.66%▲ 0.84% above avgNationally 2.82%
Details
IRA withdrawals may be subject to IRS penalties
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate
$500
3.45%
▲ 0.79% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.66%▲ 0.79% above avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 3.45% APY · checked 2 times
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Traditional Certificate
$500
3.45%
▲ 0.79% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.66%▲ 0.79% above avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 3.45% APY · checked 2 times
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
48 Month Traditional Certificate
$500
3.45%
▲ 0.79% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.66%▲ 0.79% above avgNationally 2.82%
Details
Rate History
No change since Oct 12, 2026 · 3.45% APY · checked 2 times
Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
4 Year Certificate of Deposit
$0
3.44%
▲ 0.78% above Indiana avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.66%▲ 0.78% above avgNationally 2.82%
Details
Rate History
1 change since Sep 19, 2026 · 3.34% → 3.44% ▲ 0.10 pts · high 3.44% / low 3.34%
- 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%
▲ 0.76% above Indiana avg
▼
Rate3.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.66%▲ 0.76% above avgNationally 2.82%
Details
Certificate is non-renewable; Rates effective as of September 30, 2026
Rate History
1 change since Sep 21, 2026 · 3.03% → 3.42% ▲ 0.39 pts · high 3.42% / low 3.03%
- 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
$0
3.41%
▲ 0.75% above Indiana avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.66%▲ 0.75% above avgNationally 2.82%
Details
Rate History
No change since Sep 19, 2026 · 3.41% APY · checked 6 times
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
48 Month IRA Certificate
$2,500
3.40%
▲ 0.74% above Indiana avg
▼
Rate3.35%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.66%▲ 0.74% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
48 Month Certificate
$500
3.39%
▲ 0.73% above Indiana avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.66%▲ 0.73% above avgNationally 2.82%
Details
Certificate Rates effective 07/01/2025
Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 7 times
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
48 Month Term Certificate of Deposit
$1,000
3.35%
▲ 0.69% above Indiana avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.66%▲ 0.69% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
4 Year CD Special
$500
3.31%
▲ 0.65% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.66%▲ 0.65% above avgNationally 2.82%
Details
Rate History
No change since Oct 7, 2026 · 3.31% APY · checked 2 times
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
IRA Certificate 48 Months
$500
3.30%
▲ 0.64% above Indiana avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.66%▲ 0.64% above avgNationally 2.82%
Details
Dividend rate and APY as high as; Highest rates assume Diamond Status My Member Perks tier; IRS tax implications may apply
Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 3 times
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
48 Month Certificate
$500
3.30%
▲ 0.64% above Indiana avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.66%▲ 0.64% above avgNationally 2.82%
Details
Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 2 times
DeMotte State Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.04%
Certificate of Deposit - 4 Year
$0
3.29%
▲ 0.63% above Indiana avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.66%▲ 0.63% above avgNationally 2.82%
Details
Minimum Daily Balance to Obtain APY: $500.00
Rate History
1 change since Sep 29, 2026 · 3.03% → 3.29% ▲ 0.26 pts · high 3.29% / low 3.03%
- Oct 8, 20263.29%▲ from 3.03%
- Sep 29, 20263.03%first recorded
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Share Certificate - 48 Months
$0
3.29%
▲ 0.63% above Indiana avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.66%▲ 0.63% above avgNationally 2.82%
Details
Balance: $1,000 - $49,999
Rate History
No change since Oct 14, 2026 · 3.29% APY · checked 2 times
LNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Certificate of Deposit - 4 Years Relationship
$500
3.28%
▲ 0.62% above Indiana avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.66%▲ 0.62% above avgNationally 2.82%
Details
Relationship certificate
Rate History
No change since Oct 20, 2026 · 3.28% APY
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
4 Year Certificate
$0
3.25%
▲ 0.59% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.66%▲ 0.59% above avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Standard Term Certificate - 48 Months
$500
3.25%
▲ 0.59% above Indiana avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.66%▲ 0.59% above avgNationally 2.82%
Details
Dividend rate and APY as high as
Rate History
No change since Oct 9, 2026 · 3.25% APY · checked 3 times
Kemba Indianapolis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
4 Year Certificate
$500
3.25%
▲ 0.59% above Indiana avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.66%▲ 0.59% above avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Wayne Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
4 Year IRA
$100
3.23%
▲ 0.57% above Indiana avg
▼
Rate3.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.66%▲ 0.57% above avgNationally 2.82%
Details
Rate History
No change since Sep 24, 2026 · 3.23% APY · checked 5 times
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.21%
48 Month Certificate
$500
3.10%
▲ 0.44% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.66%▲ 0.44% above avgNationally 2.82%
Details
Min Deposit of $500 on all Certificate of Deposits; CDs subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 7 times
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
48 Month Certificate
$0
3.09%
▲ 0.43% above Indiana avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.66%▲ 0.43% above avgNationally 2.82%
Details
Balance: $20,000.01 and over; Dividend Rate 3.05%; Rates as of 11/01/2024
Rate History
No change since Oct 13, 2026 · 3.09% APY · checked 2 times
Hudson 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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
▼
Rate5.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▲ 2.30% above avgNationally 2.93%
Details
Rate History
2 changes since Sep 11, 2026 · 3.55% → 5.09% ▲ 1.54 pts · high 5.09% / low 3.55%
- 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
▼
Rate5.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▲ 2.30% above avgNationally 2.93%
Details
Rate History
No change since Oct 20, 2026 · 5.09% APY
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
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 1.81% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
- 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
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 1.81% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
- 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
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 1.81% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.60% ▲ 1.10 pts · high 4.60% / low 3.50%
- 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
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 1.81% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
- 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
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 1.81% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
- 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
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 1.81% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.60% ▲ 1.10 pts · high 4.60% / low 3.50%
- 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
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 1.50% above avgNationally 2.93%
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%
- 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%
60 Month CD
$0
4.25%
▲ 1.46% above Indiana avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.79%▲ 1.46% above avgNationally 2.93%
Details
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month Certificate of Deposit
$1,000
4.25%
▲ 1.46% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.79%▲ 1.46% above avgNationally 2.93%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60-Month IRA
$1,000
4.25%
▲ 1.46% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.79%▲ 1.46% above avgNationally 2.93%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
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
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.79%▲ 1.46% above avgNationally 2.93%
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%
- Oct 7, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Summit Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
5 Year Certificate
$0
4.20%
▲ 1.41% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 1.41% above avgNationally 2.93%
Details
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 13, 20264.20%▲ from 3.85%
- Sep 18, 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
▼
Rate4.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 1.41% above avgNationally 2.93%
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%
- 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
▼
Rate4.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 1.41% above avgNationally 2.93%
Details
Dividend rates declared monthly
Rate History
No change since Oct 19, 2026 · 4.20% APY
Thrive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
Share Certificates - 60 Months
$0
4.10%
▲ 1.31% above Indiana avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 1.31% above avgNationally 2.93%
Details
Rate History
1 change since Sep 16, 2026 · 3.50% → 4.10% ▲ 0.60 pts · high 4.10% / low 3.50%
- Oct 15, 20264.10%▲ from 3.50%
- Sep 16, 20263.50%first recorded
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
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▲ 1.25% above avgNationally 2.93%
Details
Relationship certificate
Rate History
1 change since Oct 14, 2026 · 4.00% → 4.04% ▲ 0.04 pts · high 4.04% / low 4.00%
- Oct 20, 20264.04%▲ from 4.00%
- Oct 14, 20264.00%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
▼
Rate3.93%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▲ 1.21% above avgNationally 2.93%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
60 Month Certificates
$0
4.00%
▲ 1.21% above Indiana avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 1.21% above avgNationally 2.93%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
5 Year Share Certificate
$0
4.00%
▲ 1.21% above Indiana avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 1.21% above avgNationally 2.93%
Details
Penalty may apply for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
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
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 1.21% above avgNationally 2.93%
Details
IRA withdrawals may be subject to IRS penalties
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
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
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▲ 0.91% above avgNationally 2.93%
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
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
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.91% above avgNationally 2.93%
Details
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
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
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.91% above avgNationally 2.93%
Details
Dividend rate fixed for term; dividends compounded and paid quarterly; substantial penalty for early withdrawal
Rate History
No change since Oct 15, 2026 · 3.70% APY
Bank of Wolcott
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
60 Month IRA
$1,000
3.60%
▲ 0.81% above Indiana avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▲ 0.81% above avgNationally 2.93%
Details
Compounding Frequency: Quarterly; Substantial penalty for early withdrawal and fees could reduce APY
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
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
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 0.81% above avgNationally 2.93%
Details
Balance: $500 - $4999; Penalty: 6 Month
Rate History
No change since Sep 27, 2026 · 3.60% APY · checked 5 times
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
▼
Rate3.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▲ 0.77% above avgNationally 2.93%
Details
$10M; Balance $10M and over
Rate History
1 change since Sep 19, 2026 · 3.28% → 3.56% ▲ 0.28 pts · high 3.56% / low 3.28%
- Sep 24, 20263.56%▲ from 3.28%
- Sep 19, 20263.28%first recorded
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
60 Month Certificate
$10,000
3.56%
▲ 0.77% above Indiana avg
▼
Rate3.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 0.77% above avgNationally 2.93%
Details
Rate History
No change since Oct 9, 2026 · 3.56% APY · checked 2 times
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$100,000
3.55%
▲ 0.76% above Indiana avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.76% above avgNationally 2.93%
Details
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 2 times
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
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.76% above avgNationally 2.93%
Details
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 2 times
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
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.76% above avgNationally 2.93%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
IRA 5 Year Fixed
$0
3.55%
▲ 0.76% above Indiana avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.76% above avgNationally 2.93%
Details
Rate History
No change since Oct 15, 2026 · 3.55% APY
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
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.76% above avgNationally 2.93%
Details
Rate History
No change since Oct 12, 2026 · 3.55% APY · checked 2 times
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
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 0.76% above avgNationally 2.93%
Details
Balance: $50,000 & Over
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 2 times
Dubois-Pike Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
60 Month Share Certificates
$1,000
3.54%
▲ 0.75% above Indiana avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.75% above avgNationally 2.93%
Details
$1,000 minimum deposit; Not eligible for online opening; Penalty for early withdrawal; Non-renewable
Rate History
1 change since Sep 14, 2026 · 3.39% → 3.54% ▲ 0.15 pts · high 3.54% / low 3.39%
- 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
▼
Rate3.45%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.72% above avgNationally 2.93%
Details
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 8 times
RBMAX
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - 60 Month
$1,000
3.50%
▲ 0.71% above Indiana avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▲ 0.71% above avgNationally 2.93%
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
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$500
3.50%
▲ 0.71% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.71% above avgNationally 2.93%
Details
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Traditional Certificate
$500
3.50%
▲ 0.71% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.71% above avgNationally 2.93%
Details
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Certificates of Deposit - 60 Month
$10,000
3.50%
▲ 0.71% above Indiana avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.71% above avgNationally 2.93%
Details
New accounts only with $10,000 new money deposit; Rates and APYs effective as of 4/20/26
Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 6 times
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
5 Year Certificate
$0
3.50%
▲ 0.71% above Indiana avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.71% above avgNationally 2.93%
Details
Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 5 times
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
5 Year Certificate
$0
3.50%
▲ 0.71% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.71% above avgNationally 2.93%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
5 Year IRA (Traditional/Roth)
$0
3.50%
▲ 0.71% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.71% above avgNationally 2.93%
Details
IRA share certificate; available in terms 6 months thru 5 years
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
60 Month Traditional Certificate
$500
3.50%
▲ 0.71% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.71% above avgNationally 2.93%
Details
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 2 times
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
60 Month Liquid IRA Certificate
$500
3.50%
▲ 0.71% above Indiana avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 0.71% above avgNationally 2.93%
Details
Rates as of 10/1/2026; Liquid IRA is the exception to the IRA/HSA/business certificate note
Rate History
No change since Oct 19, 2026 · 3.50% APY
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
60 Month Certificate
$500
3.49%
▲ 0.70% above Indiana avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.70% above avgNationally 2.93%
Details
Certificate Rates effective 07/01/2025
Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 7 times
Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
60 Month CD
$0
3.46%
▲ 0.67% above Indiana avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.79%▲ 0.67% above avgNationally 2.93%
Details
Rate History
No change since Sep 19, 2026 · 3.46% APY · checked 6 times
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
60 Month Term Certificate of Deposit
$1,000
3.45%
▲ 0.66% above Indiana avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.66% above avgNationally 2.93%
Details
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 8 times
Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
5 Year Certificate of Deposit
$0
3.44%
▲ 0.65% above Indiana avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.79%▲ 0.65% above avgNationally 2.93%
Details
Rate History
1 change since Sep 19, 2026 · 3.34% → 3.44% ▲ 0.10 pts · high 3.44% / low 3.34%
- Sep 24, 20263.44%▲ from 3.34%
- Sep 19, 20263.34%first recorded
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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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Hudson, IN CD Rate Trends
Compare local Hudson, 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.
12-Month CD IN Avg
2.817%
▼ 0.007 vs 7 days ago
Indiana 12-month CD rates fell 0.007 points over the past 7 days to 2.817% APY.
6-Month CD IN Avg
2.634%
▼ 0.018 vs 7 days ago
Indiana 6-month CD rates fell 0.018 points over the past 7 days to 2.634% APY.
As of Oct 20, 2026 • Rate data sourced from 8,500+ monitored institutions
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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
2.817%
6-Month Forecast
2.817%
Range: 2.62%, 2.97%
12-Month Forecast
3.067%
Range: 2.87%, 3.22%
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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 | 1.595% | $79.76 | $159.51 | $398.78 | $797.55 |
| 6-Month CD | 2.634% | $131.68 | $263.36 | $658.40 | $1,316.80 |
| 12-Month CD | 2.817% | $140.84 | $281.68 | $704.20 | $1,408.40 |
| 18-Month CD | 2.599% | $129.94 | $259.88 | $649.70 | $1,299.40 |
| 24-Month CD | 2.800% | $139.99 | $279.98 | $699.95 | $1,399.90 |
| 36-Month CD | 2.793% | $139.63 | $279.26 | $698.15 | $1,396.30 |
| 48-Month CD | 2.665% | $133.23 | $266.46 | $666.15 | $1,332.30 |
| 60-Month CD | 2.788% | $139.40 | $278.79 | $696.98 | $1,393.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 20, 2026. | |||||
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Sample CD Ladder for Hudson, 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.
| Rung | Term | Deposit | IN Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.595% | $79.76 |
| 2 | 6-Month CD | $5,000 | 2.634% | $131.68 |
| 3 | 12-Month CD | $5,000 | 2.817% | $140.84 |
| 4 | 24-Month CD | $5,000 | 2.800% | $139.99 |
| 5 | 36-Month CD | $5,000 | 2.793% | $139.63 |
| Total ($25,000 invested) | $25,000 | 2.528% blended | $631.90/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.
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1,293
CD Rates
Tracked in Hudson, Indiana
Tracked in Hudson, Indiana
51 Banks
83 Credit Unions
About Our Hudson, Indiana CD Rate Database
MonitorBankRates tracks 1,293 CD rates from 51 banks and 83 credit unions with locations in Hudson, 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: GCSB Swayzee, IN offers a CD at 5.09% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Hudson, Indiana.
How to Find the Best CD Rates in Hudson, Indiana
What to compare when shopping for a CD in Hudson, Indiana
To find the best APYs in Hudson, Indiana, start with credit unions and online-only banks: Hudson, Indiana has 83 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 Hudson, 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 Hudson, Indiana: 134 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Hudson, Indiana savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Hudson, Indiana money market rates
Indiana Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
Population 65+
16.8%
National avg: 17.3%
Median Individual Earnings
$43,243
National avg: $47,340
Poverty Rate
12.3%
National avg: 11.1%
Unemployment Rate
4.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$122/yr
At IN 12-mo avg 2.817% APY
16.8% of residents are 65 or older, below the national average of 17.3%. At today’s IN 12-month CD average of 2.817%, saving 10% of the local median salary ($4,324/year) and putting it in a CD would earn an additional $122 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Hudson, 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 Hudson, 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 Hudson, 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 Hudson, Indiana as everywhere in the U.S.
Choosing a CD Term in Hudson, 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 Hudson, Indiana savers easier access to their funds. For example, Indiana University Credit Union is offering its 6 Month Term Certificates at 4.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, GCSB Swayzee, IN is offering its 60 Month Certificate of Deposit at 5.09% 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 Hudson, 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 Hudson, 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 Hudson, 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 Hudson, 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 Hudson, Indiana
Most CDs carry a fixed rate that is locked for the entire term, protecting a Hudson, 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 Hudson, Indiana
Are CD rates in Hudson, Indiana FDIC insured?
Yes, most established banks in Hudson, 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 Hudson, 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 Hudson, 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 Hudson, 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 Hudson, Indiana?
Here are recent top rates found for this area:
- 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 Roth Executive IRA Certificate)
- Fort Financial Federal Credit Union: 4.50% APY (Traditional 12-Month IRA Certificate - Premier Member)
- Elements Financial Federal Credit Union: 4.50% APY (18 Month Share Certificate)
- Indiana University Credit Union: 4.50% APY (6 Month Term Certificates)
- GenFed Financial Credit Union: 4.50% APY (IRA Certificate - 12 Month)
- Purdue Federal Credit Union: 4.45% APY (Savers Certificate - 24 Months)
- Banterra Bank: 4.40% APY (36-Month CD)
Rates reflect recent verified offers available in Hudson, Indiana. Last Updated: October 20, 2026
Hudson, 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 Hudson, 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.
CD Calculators for Hudson, Indiana
Hudson, Indiana CD Calculator
At today’s IN top rate of 5.09% APY, a $10,000 deposit earns $509 in the first year. Enter your amount to see your exact return.
Hudson, Indiana CD LadderIN CD rates currently range from 1.595% (3-month) to 2.793% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Hudson, Indiana CD at 5.09% 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 SavingsIndiana’s average 12-month CD is 2.817% 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 Hudson, 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 Hudson, 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 Hudson, 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 20, 2026
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