Indianapolis, Indiana Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio
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.
Indianapolis, Indiana CD rates range from 0.01% to 5.09% APY, verified by MonitorBankRates as of October 19, 2026. Current Indianapolis, Indiana CD rates include Elements Financial Federal Credit UnionElements Financial Federal Credit Union639 S Delaware St, Indianapolis, IN 46225A+5.0 ★Texas Ratio: 2.46%Real return: +1.70%APY minus CPI (February 2026) offering 18 Month Share Certificate at 4.50% APY, Indiana University Credit UnionIndiana University Credit Union8936 Southpointe Dr, Indianapolis, IN 46227A+5.0 ★Texas Ratio: 4.12%Real return: +1.70%APY minus CPI (February 2026) offering 6 Month Term Certificates at 4.50% APY, Hoosier United Credit UnionHoosier United Credit Union1828 N Meridian St Ste 102, Indianapolis, IN 46202 1452A+5.0 ★Texas Ratio: 1.57%Real return: +1.52%APY minus CPI (February 2026) offering 12 Month Youth CD at 4.32% APY, Forum Credit UnionForum Credit Union7023 Corporate Dr, Indianapolis, IN 46278 1938A+5.0 ★Texas Ratio: 1.80%Real return: +1.45%APY minus CPI (February 2026) offering 18 Month Certificate at 4.25% APY, and Centra Credit UnionCentra Credit Union4562 N Shadeland Ave, Indianapolis, IN 46226 3835A+5.0 ★Texas Ratio: 5.34%Real return: +1.35%APY minus CPI (February 2026) offering Share Certificates - 24 Month at 4.15% APY. CD rates as of October 19, 2026 according to verified data from MonitorBankRates.
Indianapolis has 253 local institutions in our database, with CD rates as high as 4.50% APY from Elements Financial Federal Credit Union at 639 S Delaware St, Indianapolis, IN 46225. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Indiana area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 19, 2026
Compare Best CD Rates in Indianapolis, Indiana & the Surrounding Area
Indianapolis 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
3737 E 96th St, Indianapolis, IN 46240
3 Month Fixed Rate CD
$1,000
3.82%
▲ 2.22% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 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
Rate History
No change since Oct 7, 2026 · 3.82% APY · checked 3 times
Community First Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 13.92%
9333 N Meridian St, Indianapolis, IN 46260
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
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
50 S Meridian St, Indianapolis, IN 46204
3 Month Renewal CD
$0
3.40%
▲ 1.80% above Indiana avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average1.60%▲ 1.80% above avgNationally 2.12%
Details
Renewal Terms & Rates; Book Appointment
Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 3 times
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
50 S Meridian St, Indianapolis, IN 46204
New Money CD - 3-Month
$1,000
3.40%
▲ 1.80% above Indiana avg
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average1.60%▲ 1.80% above avgNationally 2.12%
Details
Open Online; New money: funds not on deposit with Centier Bank in the last 90 days
Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 3 times
Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 W 96th St, Indianapolis, IN 46260
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 14, 2026
Indiana Average1.60%▲ 1.80% above avgNationally 2.12%
Details
Higher rate with a Lake City Bank checking account; Deposits allowed: no; Withdrawals allowed: no
Rate History
No change since Sep 9, 2026 · 3.40% APY · checked 8 times
STAR Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
9165 E 56th St, Indianapolis, IN 46216
3 Month Certificate of Deposit
$0
2.35%
▲ 0.75% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average1.60%▲ 0.75% above avgNationally 2.12%
Details
Rate History
No change since Oct 7, 2026 · 2.35% APY · checked 2 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
4545 Lafayette Rd, Indianapolis, IN 46254
Certificate of Deposit 3 Month
$500
2.00%
▲ 0.40% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average1.60%▲ 0.40% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
2186 N Sherman Dr, Indianapolis, IN 46218
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
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4562 N Shadeland Ave, Indianapolis, IN 46226 3835
Share Certificates - 3 Month
$0
0.90%
▼ 0.70% below Indiana avg
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.60%▼ 0.70% below avgNationally 2.12%
Details
Minimum deposit tier: $100,000
Rate History
No change since Oct 14, 2026 · 0.90% APY · checked 2 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4562 N Shadeland Ave, Indianapolis, IN 46226 3835
Share Certificates - 3 Month
$0
0.85%
▼ 0.75% below Indiana avg
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.60%▼ 0.75% below avgNationally 2.12%
Details
Minimum deposit tier: $500
Rate History
No change since Oct 14, 2026 · 0.85% APY · checked 2 times
Kemba Indianapolis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
444 S Shortridge Rd, Indianapolis, IN 46219
3 Month Certificate
$500
0.75%
▼ 0.85% below Indiana avg
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.60%▼ 0.85% below avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
135 N Pennsylvania St, Indianapolis, IN 46204
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 1.55% below Indiana avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.60%▼ 1.55% below avgNationally 2.12%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
135 N Pennsylvania St, Indianapolis, IN 46204
3 Month Standard CD
$1,000
0.05%
▼ 1.55% below Indiana avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.60%▼ 1.55% below avgNationally 2.12%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
3 Month Certificate of Deposit
$0
0.03%
▼ 1.57% below Indiana avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average1.60%▼ 1.57% below avgNationally 2.12%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
3 Month Certificate of Deposit
$0
0.02%
▼ 1.58% below Indiana avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average1.60%▼ 1.58% below avgNationally 2.12%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
3 Month Certificate of Deposit
$0
0.01%
▼ 1.59% below Indiana avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average1.60%▼ 1.59% below avgNationally 2.12%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
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
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
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 14, 2026
Indiana Average1.60%▲ 1.95% above avgNationally 2.12%
Details
Minimum balance to earn stated APY: $1,000.00; 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 8 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
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 14, 2026
Indiana Average1.60%▲ 1.75% above avgNationally 2.12%
Details
Feature: -; Penalty: 1% Prin., No Penalty After 30 Days
Rate History
No change since Oct 14, 2026 · 3.35% APY
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
LNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
3 Month Certificate of Deposit
$2,500
2.01%
▲ 0.41% above Indiana avg
▼
Rate2.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average1.60%▲ 0.41% above avgNationally 2.12%
Details
Rate History
No change since Sep 19, 2026 · 2.01% APY · checked 6 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
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
Indianapolis 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%
8936 Southpointe Dr, Indianapolis, IN 46227
6 Month Term Certificates
$0
4.50%
▲ 1.86% above Indiana avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.86% above avgNationally 2.79%
Details
Dividends paid monthly
Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 2 times
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
4729 E 82nd St, Indianapolis, IN 46250
Certificates of Deposit - 6 Month
$10,000
4.00%
▲ 1.36% above Indiana avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.64%▲ 1.36% 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
Financial Health Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
777 INDIANA AVE, Indianapolis, IN 46202 3101
6-Month CD
$500
4.00%
▲ 1.36% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.64%▲ 1.36% 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%
6311 Airway Dr Ste 100, Indianapolis, IN 46241 6400
6 Month Share Certificate
$0
4.00%
▲ 1.36% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.64%▲ 1.36% 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%
639 S Delaware St, Indianapolis, IN 46225
6 Month Share Certificate
$1,000
4.00%
▲ 1.36% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.64%▲ 1.36% 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%
639 S Delaware St, Indianapolis, IN 46225
IRA 6 Month Term
$1,000
4.00%
▲ 1.36% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.64%▲ 1.36% 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
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
7023 Corporate Dr, Indianapolis, IN 46278 1938
6 Month Certificate
$500
4.00%
▲ 1.36% above Indiana avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.36% 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
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
3737 E 96th St, Indianapolis, IN 46240
6 Month Fixed Rate CD
$1,000
3.82%
▲ 1.18% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.64%▲ 1.18% 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
Rate History
No change since Oct 7, 2026 · 3.82% APY · checked 3 times
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
50 S Meridian St, Indianapolis, IN 46204
6 Month Renewal CD
$0
3.40%
▲ 0.76% above Indiana avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.64%▲ 0.76% above avgNationally 2.79%
Details
Renewal Terms & Rates; Book Appointment
Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 3 times
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
50 S Meridian St, Indianapolis, IN 46204
New Money CD - 6-Month
$1,000
3.40%
▲ 0.76% above Indiana avg
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.64%▲ 0.76% above avgNationally 2.79%
Details
Open Online; New money: funds not on deposit with Centier Bank in the last 90 days
Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 3 times
Hoosier United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1828 N Meridian St Ste 102, Indianapolis, IN 46202 1452
6 Month Certificate
$0
3.29%
▲ 0.65% above Indiana avg
▼
Rate3.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 0.65% above avgNationally 2.79%
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 · 3.03% → 3.29% ▲ 0.26 pts · high 3.33% / low 3.03%
- Oct 19, 20263.29%▲ from 3.24%
- Oct 10, 20263.24%▼ from 3.33%
- Oct 1, 20263.33%▲ from 3.03%
- Sep 22, 20263.03%▼ from 3.10%
Kemba Indianapolis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
444 S Shortridge Rd, Indianapolis, IN 46219
6 Month Certificate
$500
3.25%
▲ 0.61% above Indiana avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 0.61% above avgNationally 2.79%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
STAR Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
9165 E 56th St, Indianapolis, IN 46216
6 Month Certificate of Deposit
$0
2.50%
▼ 0.14% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.64%▼ 0.14% below avgNationally 2.79%
Details
Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
4545 Lafayette Rd, Indianapolis, IN 46254
Certificate of Deposit 6 Month
$500
2.25%
▼ 0.39% below Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.64%▼ 0.39% below avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
4545 Lafayette Rd, Indianapolis, IN 46254
IRA 6 Month
$500
2.25%
▼ 0.39% below Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.64%▼ 0.39% below avgNationally 2.79%
Details
Rate History
No change since Oct 14, 2026 · 2.25% APY
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
726 Massachusetts Ave, Indianapolis, IN 46204
6 Month Share Certificate
$0
2.15%
▼ 0.49% below Indiana avg
▼
Rate2.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▼ 0.49% below avgNationally 2.79%
Details
Penalty may apply for early withdrawal
Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 8 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4562 N Shadeland Ave, Indianapolis, IN 46226 3835
Share Certificates - 6 Month
$0
1.60%
▼ 1.04% below Indiana avg
▼
Rate1.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▼ 1.04% below avgNationally 2.79%
Details
Minimum deposit tier: $100,000
Rate History
No change since Oct 14, 2026 · 1.60% APY · checked 2 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4562 N Shadeland Ave, Indianapolis, IN 46226 3835
Share Certificates - 6 Month
$0
1.55%
▼ 1.09% below Indiana avg
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▼ 1.09% below avgNationally 2.79%
Details
Minimum deposit tier: $500
Rate History
No change since Oct 14, 2026 · 1.55% APY · checked 2 times
Community First Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 13.92%
9333 N Meridian St, Indianapolis, IN 46260
6 months CD
$0
1.50%
▼ 1.14% below Indiana avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.64%▼ 1.14% below avgNationally 2.79%
Details
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
2186 N Sherman Dr, Indianapolis, IN 46218
Term Share Certificates - 6 Month
$0
1.30%
▼ 1.34% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.64%▼ 1.34% below avgNationally 2.79%
Details
A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 1.30% APY · checked 2 times
Everwise Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
4705 S Emerson Ave, Indianapolis, IN 46203
6 Month IRA Certificates
$500
1.22%
▼ 1.42% below Indiana avg
▼
Rate1.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▼ 1.42% below avgNationally 2.79%
Details
Minimum balance to earn APY is $500; early withdrawal penalty may apply; open at a branch only, not available online
Rate History
No change since Sep 21, 2026 · 1.22% APY · checked 7 times
Everwise Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
4705 S Emerson Ave, Indianapolis, IN 46203
6 Month Share Certificates
$500
1.19%
▼ 1.45% below Indiana avg
▼
Rate1.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▼ 1.45% below avgNationally 2.79%
Details
Minimum balance required to earn APY is $500; early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 1.19% APY · checked 9 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
135 N Pennsylvania St, Indianapolis, IN 46204
6 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.59% below Indiana avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▼ 2.59% below avgNationally 2.79%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
135 N Pennsylvania St, Indianapolis, IN 46204
6 Month Standard CD
$1,000
0.05%
▼ 2.59% below Indiana avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▼ 2.59% below avgNationally 2.79%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
6 Month Certificate of Deposit
$0
0.03%
▼ 2.61% below Indiana avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.64%▼ 2.61% below avgNationally 2.79%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
IRA CD - 6 Months
$250
0.03%
▼ 2.61% below Indiana avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.64%▼ 2.61% below avgNationally 2.79%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
6 Month Certificate of Deposit
$0
0.02%
▼ 2.62% below Indiana avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.64%▼ 2.62% below avgNationally 2.79%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
IRA CD - 6 Months
$250
0.02%
▼ 2.62% below Indiana avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.64%▼ 2.62% below avgNationally 2.79%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
6 Month Certificate of Deposit
$0
0.01%
▼ 2.63% below Indiana avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.64%▼ 2.63% below avgNationally 2.79%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
IRA CD - 6 Months
$250
0.01%
▼ 2.63% below Indiana avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.64%▼ 2.63% below avgNationally 2.79%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6-Month CD
$1,000
4.40%
▲ 1.76% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.64%▲ 1.76% 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%
▲ 1.61% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.64%▲ 1.61% 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%
▲ 1.60% above Indiana avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.64%▲ 1.60% 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%
▲ 1.49% above Indiana avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.64%▲ 1.49% 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%
▲ 1.46% above Indiana avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.64%▲ 1.46% 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%
▲ 1.46% above Indiana avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.46% 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%
▲ 1.46% above Indiana avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.46% 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%
▲ 1.36% above Indiana avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.64%▲ 1.36% 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%
▲ 1.36% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.64%▲ 1.36% 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%
▲ 1.36% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.64%▲ 1.36% 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%
▲ 1.36% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.64%▲ 1.36% 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
Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month CD
$500
4.00%
▲ 1.36% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.64%▲ 1.36% 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%
▲ 1.36% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.64%▲ 1.36% above avgNationally 2.79%
Details
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 5 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
6 Month Certificate
$0
4.00%
▲ 1.36% above Indiana avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.36% 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
VULCRAFT EMPLOYEES
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
6 Month Certificate
$2,000
4.00%
▲ 1.36% above Indiana avg
▼
Rate4.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.36% 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%
▲ 1.31% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.64%▲ 1.31% 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%
▲ 1.28% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.28% 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
Encompass Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.86%
6 Month Certificate of Deposit
$0
3.82%
▲ 1.18% above Indiana avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.64%▲ 1.18% 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%
▲ 1.16% above Indiana avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.16% 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%
▲ 1.12% above Indiana avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.12% 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
Indianapolis 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hoosier United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1828 N Meridian St Ste 102, Indianapolis, IN 46202 1452
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 3.01%
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
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
7023 Corporate Dr, Indianapolis, IN 46278 1938
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 3.01%
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
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
4729 E 82nd St, Indianapolis, IN 46250
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 3.01%
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
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
6311 Airway Dr Ste 100, Indianapolis, IN 46241 6400
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 3.01%
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%
6311 Airway Dr Ste 100, Indianapolis, IN 46241 6400
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 3.01%
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
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
50 S Meridian St, Indianapolis, IN 46204
12 Month Renewal CD
$0
3.75%
▲ 0.93% above Indiana avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.82%▲ 0.93% above avgNationally 3.01%
Details
Renewal Terms & Rates; Book Appointment
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
50 S Meridian St, Indianapolis, IN 46204
12-Month CD
$1,000
3.75%
▲ 0.93% above Indiana avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.82%▲ 0.93% above avgNationally 3.01%
Details
Featured New Money CD Rate; Opening Minimum $1,000
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
50 S Meridian St, Indianapolis, IN 46204
New Money CD - 12-Month
$1,000
3.75%
▲ 0.93% above Indiana avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.82%▲ 0.93% above avgNationally 3.01%
Details
Open Online; New money: funds not on deposit with Centier Bank in the last 90 days
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
STAR Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
9165 E 56th St, Indianapolis, IN 46216
12 Month Certificate of Deposit
$0
3.70%
▲ 0.88% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.82%▲ 0.88% above avgNationally 3.01%
Details
Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
Hoosier United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1828 N Meridian St Ste 102, Indianapolis, IN 46202 1452
12 Month Certificate
$0
3.50%
▲ 0.68% above Indiana avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 0.68% above avgNationally 3.01%
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 · 3.18% → 3.50% ▲ 0.32 pts · high 3.59% / low 3.18%
- Oct 19, 20263.50%▲ from 3.45%
- Oct 10, 20263.45%▼ from 3.59%
- Oct 1, 20263.59%▲ from 3.18%
- Sep 22, 20263.18%▼ from 3.27%
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
3737 E 96th St, Indianapolis, IN 46240
12 Month Fixed Rate CD
$1,000
3.25%
▲ 0.43% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.82%▲ 0.43% above avgNationally 3.01%
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
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 3 times
Kemba Indianapolis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
444 S Shortridge Rd, Indianapolis, IN 46219
12 Month Certificate
$500
3.25%
▲ 0.43% above Indiana avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 0.43% above avgNationally 3.01%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
726 Massachusetts Ave, Indianapolis, IN 46204
1 Year Share Certificate
$0
3.00%
▲ 0.18% above Indiana avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 0.18% above avgNationally 3.01%
Details
Penalty may apply for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
726 Massachusetts Ave, Indianapolis, IN 46204
12 Month Share Certificates - IRA Traditional
$0
3.00%
▲ 0.18% above Indiana avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 0.18% above avgNationally 3.01%
Details
IRA withdrawals may be subject to IRS penalties
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
639 S Delaware St, Indianapolis, IN 46225
1 Year Share Certificate
$1,000
2.75%
▼ 0.07% below Indiana avg
▼
Rate2.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▼ 0.07% below avgNationally 3.01%
Details
Primary members under 18: $500 minimum deposit; Penalty for early withdrawal
Rate History
No change since Oct 15, 2026 · 2.75% APY
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
639 S Delaware St, Indianapolis, IN 46225
IRA 1 Year Term
$1,000
2.75%
▼ 0.07% below Indiana avg
▼
Rate2.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▼ 0.07% below avgNationally 3.01%
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 · 2.75% APY · checked 2 times
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
639 S Delaware St, Indianapolis, IN 46225
1 Year Youth Share Certificates - Birthday
$100
2.50%
▼ 0.32% below Indiana avg
▼
Rate2.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▼ 0.32% below avgNationally 3.01%
Details
Maximum balance $20,000.00; primary account owner must be 24 or younger; IRA funds not eligible
Rate History
No change since Oct 13, 2026 · 2.50% APY · checked 2 times
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
639 S Delaware St, Indianapolis, IN 46225
1 Year Youth Share Certificates - Graduation
$100
2.50%
▼ 0.32% below Indiana avg
▼
Rate2.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▼ 0.32% below avgNationally 3.01%
Details
Maximum balance $20,000.00; primary account owner must be 24 or younger; IRA funds not eligible
Rate History
No change since Oct 13, 2026 · 2.50% APY · checked 2 times
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
639 S Delaware St, Indianapolis, IN 46225
1 Year Youth Share Certificates - Holiday
$100
2.50%
▼ 0.32% below Indiana avg
▼
Rate2.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▼ 0.32% below avgNationally 3.01%
Details
Maximum balance $20,000.00; primary account owner must be 24 or younger; IRA funds not eligible
Rate History
No change since Oct 13, 2026 · 2.50% APY · checked 2 times
Professional Police Officers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1502 E Washington St, Indianapolis, IN 46201 3849
12 Month Share Certificate - One Year
$10,000
2.28%
▼ 0.54% below Indiana avg
▼
Rate2.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▼ 0.54% below avgNationally 3.01%
Details
Early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 2.28% APY · checked 4 times
Community First Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 13.92%
9333 N Meridian St, Indianapolis, IN 46260
12 months CD
$0
2.25%
▼ 0.57% below Indiana avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.82%▼ 0.57% below avgNationally 3.01%
Details
Rate History
No change since Oct 7, 2026 · 2.25% APY · checked 2 times
Community First Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 13.92%
9333 N Meridian St, Indianapolis, IN 46260
12 months IRA
$0
2.25%
▼ 0.57% below Indiana avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.82%▼ 0.57% below avgNationally 3.01%
Details
Rate History
No change since Oct 7, 2026 · 2.25% APY · checked 2 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
4545 Lafayette Rd, Indianapolis, IN 46254
Certificate of Deposit 1 Year
$500
2.00%
▼ 0.82% below Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.82%▼ 0.82% below avgNationally 3.01%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
4545 Lafayette Rd, Indianapolis, IN 46254
IRA 1 Year
$500
2.00%
▼ 0.82% below Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.82%▼ 0.82% below avgNationally 3.01%
Details
Rate History
No change since Oct 14, 2026 · 2.00% APY
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
2186 N Sherman Dr, Indianapolis, IN 46218
Term Share Certificates - 1 Year
$0
2.00%
▼ 0.82% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.82%▼ 0.82% below avgNationally 3.01%
Details
A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 2 times
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
8936 Southpointe Dr, Indianapolis, IN 46227
1 Year Term Certificates
$0
2.00%
▼ 0.82% below Indiana avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▼ 0.82% below avgNationally 3.01%
Details
Dividends paid monthly
Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 2 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4562 N Shadeland Ave, Indianapolis, IN 46226 3835
Share Certificates - 12 Month
$0
1.75%
▼ 1.07% below Indiana avg
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▼ 1.07% below avgNationally 3.01%
Details
Minimum deposit tier: $100,000
Rate History
No change since Oct 14, 2026 · 1.75% APY · checked 2 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4562 N Shadeland Ave, Indianapolis, IN 46226 3835
IRA Certificate - 12 Month
$500
1.70%
▼ 1.12% below Indiana avg
▼
Rate1.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▼ 1.12% below avgNationally 3.01%
Details
Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 3 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4562 N Shadeland Ave, Indianapolis, IN 46226 3835
Share Certificates - 12 Month
$0
1.70%
▼ 1.12% below Indiana avg
▼
Rate1.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▼ 1.12% below avgNationally 3.01%
Details
Minimum deposit tier: $500
Rate History
No change since Oct 14, 2026 · 1.70% APY · checked 2 times
Everwise Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
4705 S Emerson Ave, Indianapolis, IN 46203
12 Month HSA Certificates
$500
1.41%
▼ 1.41% below Indiana avg
▼
Rate1.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▼ 1.41% below avgNationally 3.01%
Details
Rates effective as of 10/1/2026; minimum balance to earn APY is $500; early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 1.41% APY · checked 9 times
Everwise Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
4705 S Emerson Ave, Indianapolis, IN 46203
12 Month IRA Certificates
$500
1.39%
▼ 1.43% below Indiana avg
▼
Rate1.38%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▼ 1.43% below avgNationally 3.01%
Details
Minimum balance to earn APY is $500; early withdrawal penalty may apply; open at a branch only, not available online
Rate History
No change since Sep 21, 2026 · 1.39% APY · checked 7 times
Everwise Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
4705 S Emerson Ave, Indianapolis, IN 46203
12 Month Share Certificates
$500
1.36%
▼ 1.46% below Indiana avg
▼
Rate1.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▼ 1.46% below avgNationally 3.01%
Details
Minimum balance required to earn APY is $500; early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 1.36% APY · checked 9 times
Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 W 96th St, Indianapolis, IN 46260
12 Month Freedom CD
$5,000
1.00%
▼ 1.82% below Indiana avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.82%▼ 1.82% below avgNationally 3.01%
Details
Deposits allowed: yes; Withdrawals allowed: yes
Rate History
No change since Sep 9, 2026 · 1.00% APY · checked 8 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
135 N Pennsylvania St, Indianapolis, IN 46204
12 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.07% below Indiana avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▼ 2.07% below avgNationally 3.01%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
135 N Pennsylvania St, Indianapolis, IN 46204
12 Month Standard CD
$1,000
0.75%
▼ 2.07% below Indiana avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▼ 2.07% below avgNationally 3.01%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Professional Police Officers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1502 E Washington St, Indianapolis, IN 46201 3849
12 Month Share Certificate - One Year
$5,000
0.51%
▼ 2.31% below Indiana avg
▼
Rate0.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▼ 2.31% below avgNationally 3.01%
Details
Early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 0.51% APY · checked 4 times
Byline Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
10475 Crosspoint Blvd, Indianapolis, IN 46256
Certificates of Deposit - 1 year
$0
0.50%
▼ 2.32% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.82%▼ 2.32% below avgNationally 3.01%
Details
Open online
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 8 times
Professional Police Officers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1502 E Washington St, Indianapolis, IN 46201 3849
12 Month Share Certificate - One Year
$2,500
0.30%
▼ 2.52% below Indiana avg
▼
Rate0.30%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▼ 2.52% below avgNationally 3.01%
Details
Early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
12 Month Certificate of Deposit
$0
0.03%
▼ 2.79% below Indiana avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.82%▼ 2.79% below avgNationally 3.01%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
IRA CD - 12 Months
$250
0.03%
▼ 2.79% below Indiana avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.82%▼ 2.79% below avgNationally 3.01%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
12 Month Certificate of Deposit
$0
0.02%
▼ 2.80% below Indiana avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.82%▼ 2.80% below avgNationally 3.01%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
IRA CD - 12 Months
$250
0.02%
▼ 2.80% below Indiana avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.82%▼ 2.80% below avgNationally 3.01%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
12 Month Certificate of Deposit
$0
0.01%
▼ 2.81% below Indiana avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.82%▼ 2.81% below avgNationally 3.01%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
IRA CD - 12 Months
$250
0.01%
▼ 2.81% below Indiana avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.82%▼ 2.81% below avgNationally 3.01%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
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 3.01%
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 3.01%
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 3.01%
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 3.01%
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 3.01%
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 3.01%
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
Indianapolis 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
639 S Delaware St, Indianapolis, IN 46225
18 Month Share Certificate
$1,000
4.50%
▲ 1.89% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.61%▲ 1.89% 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%
639 S Delaware St, Indianapolis, IN 46225
IRA 18 Month Term
$1,000
4.50%
▲ 1.89% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.61%▲ 1.89% 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
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
7023 Corporate Dr, Indianapolis, IN 46278 1938
18 Month Certificate
$500
4.25%
▲ 1.64% above Indiana avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.61%▲ 1.64% 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
Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 W 96th St, Indianapolis, IN 46260
18 Month Companion CD
$1,000
3.90%
▲ 1.29% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.61%▲ 1.29% above avgNationally 2.88%
Details
Higher rate with a Lake City Bank checking account; Deposits allowed: no; Withdrawals allowed: no
Rate History
No change since Oct 14, 2026 · 3.90% APY
Hoosier United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1828 N Meridian St Ste 102, Indianapolis, IN 46202 1452
18 Month Certificate
$0
3.56%
▲ 0.95% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.61%▲ 0.95% 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%
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
50 S Meridian St, Indianapolis, IN 46204
18 Month Renewal CD
$0
3.00%
▲ 0.39% above Indiana avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.61%▲ 0.39% above avgNationally 2.88%
Details
Renewal Terms & Rates; Book Appointment
Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 3 times
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
50 S Meridian St, Indianapolis, IN 46204
New Money CD - 18-Month
$1,000
3.00%
▲ 0.39% above Indiana avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.61%▲ 0.39% above avgNationally 2.88%
Details
Open Online; New money: funds not on deposit with Centier Bank in the last 90 days
Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 3 times
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
3737 E 96th St, Indianapolis, IN 46240
18 Month Fixed Rate CD
$1,000
2.80%
▲ 0.19% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.61%▲ 0.19% above avgNationally 2.88%
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
Rate History
No change since Oct 7, 2026 · 2.80% APY · checked 3 times
STAR Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
9165 E 56th St, Indianapolis, IN 46216
18 Month Certificate of Deposit
$0
2.75%
▲ 0.14% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.61%▲ 0.14% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 2 times
Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 W 96th St, Indianapolis, IN 46260
18 Month Freedom Plus CD
$10,000
2.65%
▲ 0.04% above Indiana avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.61%▲ 0.04% above avgNationally 2.88%
Details
Deposits allowed: yes; Withdrawals allowed: yes
Rate History
1 change since Sep 9, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50%
- Sep 24, 20262.65%▲ from 2.50%
- Sep 9, 20262.50%first recorded
Kemba Indianapolis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
444 S Shortridge Rd, Indianapolis, IN 46219
18 Month Certificate
$500
2.50%
▼ 0.11% below Indiana avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.61%▼ 0.11% below avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 2 times
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
8936 Southpointe Dr, Indianapolis, IN 46227
18 Month Term Certificates
$0
2.26%
▼ 0.35% below Indiana avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.61%▼ 0.35% below avgNationally 2.88%
Details
Term: 18-month paid monthly; Dividends paid monthly
Rate History
No change since Oct 14, 2026 · 2.26% APY · checked 2 times
Community First Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 13.92%
9333 N Meridian St, Indianapolis, IN 46260
18 months CD
$0
2.25%
▼ 0.36% below Indiana avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.61%▼ 0.36% below avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 2.25% APY · checked 2 times
Community First Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 13.92%
9333 N Meridian St, Indianapolis, IN 46260
18 months IRA
$0
2.25%
▼ 0.36% below Indiana avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.61%▼ 0.36% below avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 2.25% APY · checked 2 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4562 N Shadeland Ave, Indianapolis, IN 46226 3835
Share Certificates - 18 Month
$0
1.85%
▼ 0.76% below Indiana avg
▼
Rate1.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.61%▼ 0.76% below avgNationally 2.88%
Details
Minimum deposit tier: $100,000
Rate History
No change since Oct 14, 2026 · 1.85% APY · checked 2 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4562 N Shadeland Ave, Indianapolis, IN 46226 3835
IRA Certificate - 18 Month
$500
1.80%
▼ 0.81% below Indiana avg
▼
Rate1.79%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.61%▼ 0.81% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 3 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4562 N Shadeland Ave, Indianapolis, IN 46226 3835
Share Certificate - 18 Month
$500
1.80%
▼ 0.81% below Indiana avg
▼
Rate1.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.61%▼ 0.81% below avgNationally 2.88%
Details
Balance: $100,000 and over
Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 8 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4562 N Shadeland Ave, Indianapolis, IN 46226 3835
Share Certificates - 18 Month
$0
1.80%
▼ 0.81% below Indiana avg
▼
Rate1.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.61%▼ 0.81% below avgNationally 2.88%
Details
Minimum deposit tier: $500
Rate History
No change since Oct 14, 2026 · 1.80% APY · checked 2 times
Everwise Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
4705 S Emerson Ave, Indianapolis, IN 46203
18 Month IRA Certificates
$500
1.65%
▼ 0.96% below Indiana avg
▼
Rate1.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.61%▼ 0.96% below avgNationally 2.88%
Details
Minimum balance to earn APY is $500; early withdrawal penalty may apply; open at a branch only, not available online
Rate History
No change since Sep 21, 2026 · 1.65% APY · checked 7 times
Everwise Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
4705 S Emerson Ave, Indianapolis, IN 46203
18 Month Share Certificates
$500
1.62%
▼ 0.99% below Indiana avg
▼
Rate1.61%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.61%▼ 0.99% below avgNationally 2.88%
Details
Minimum balance required to earn APY is $500; early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 1.62% APY · checked 9 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
135 N Pennsylvania St, Indianapolis, IN 46204
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 1.86% below Indiana avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.61%▼ 1.86% below avgNationally 2.88%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
135 N Pennsylvania St, Indianapolis, IN 46204
18 Month Standard CD
$1,000
0.75%
▼ 1.86% below Indiana avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.61%▼ 1.86% below avgNationally 2.88%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4562 N Shadeland Ave, Indianapolis, IN 46226 3835
Freedom 18 Month
$0
0.10%
▼ 2.51% below Indiana avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.61%▼ 2.51% below avgNationally 2.88%
Details
Other Accounts
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 8 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
18 Month Certificate of Deposit
$0
0.03%
▼ 2.58% below Indiana avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.61%▼ 2.58% below avgNationally 2.88%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
IRA CD - 18 Months
$250
0.03%
▼ 2.58% below Indiana avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.61%▼ 2.58% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
18 Month Certificate of Deposit
$0
0.02%
▼ 2.59% below Indiana avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.61%▼ 2.59% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
IRA CD - 18 Months
$250
0.02%
▼ 2.59% below Indiana avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.61%▼ 2.59% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
18 Month Certificate of Deposit
$0
0.01%
▼ 2.60% below Indiana avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.61%▼ 2.60% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
IRA CD - 18 Months
$250
0.01%
▼ 2.60% below Indiana avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.61%▼ 2.60% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
18 Month Variable Rate Certificate
$1,000
4.62%
▲ 2.01% above Indiana avg
▼
Rate4.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.61%▲ 2.01% 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
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18-Month CD
$1,000
4.35%
▲ 1.74% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.61%▲ 1.74% 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
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-month CD
$500
4.25%
▲ 1.64% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.61%▲ 1.64% 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%
▲ 1.59% above Indiana avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.61%▲ 1.59% above avgNationally 2.88%
Details
Term Share Certificates; Effective Date: Thursday, October 1, 2026; Dividends paid at end of each month; Withdrawal penalty: See Below* (2 times the current APR, divided by 365, times remaining term in days)
Rate History
1 change since Sep 18, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
- Oct 2, 20264.20%▲ from 4.05%
- Sep 18, 20264.05%first recorded
Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo 18 Mo CD
$100,000
4.10%
▲ 1.49% above Indiana avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.61%▲ 1.49% 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%
▲ 1.47% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.61%▲ 1.47% 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%
▲ 1.40% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.61%▲ 1.40% 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%
▲ 1.39% above Indiana avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.61%▲ 1.39% above avgNationally 2.88%
Details
Minimum balance required to obtain the APY shown; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.00% APY
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
18 Month IRA Share Certificate
$500
4.00%
▲ 1.39% above Indiana avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.61%▲ 1.39% 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%
▲ 1.39% above Indiana avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.61%▲ 1.39% above avgNationally 2.88%
Details
Dividend rates declared monthly
Rate History
No change since Oct 19, 2026 · 4.00% APY
Eastern Indiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Roth 18 Month IRA Certificate
$500
3.89%
▲ 1.28% above Indiana avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.61%▲ 1.28% 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%
▲ 1.28% above Indiana avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.61%▲ 1.28% 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%
▲ 1.24% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.61%▲ 1.24% 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%
▲ 1.19% above Indiana avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.61%▲ 1.19% 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%
▲ 1.19% above Indiana avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.61%▲ 1.19% 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%
▲ 1.19% above Indiana avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.61%▲ 1.19% 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%
▲ 1.19% above Indiana avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.61%▲ 1.19% 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%
▲ 1.19% above Indiana avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.61%▲ 1.19% 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%
▲ 1.19% above Indiana avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.61%▲ 1.19% 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%
18 Month IRA Certificate
$200
3.75%
▲ 1.14% above Indiana avg
▼
Rate3.69%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.61%▲ 1.14% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Certificate - 18 Month
$200
3.75%
▲ 1.14% above Indiana avg
▼
Rate3.69%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.61%▲ 1.14% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
Indianapolis 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4562 N Shadeland Ave, Indianapolis, IN 46226 3835
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
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4562 N Shadeland Ave, Indianapolis, IN 46226 3835
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%
4562 N Shadeland Ave, Indianapolis, IN 46226 3835
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
Hoosier United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1828 N Meridian St Ste 102, Indianapolis, IN 46202 1452
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%
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
7023 Corporate Dr, Indianapolis, IN 46278 1938
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
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
6311 Airway Dr Ste 100, Indianapolis, IN 46241 6400
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
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
726 Massachusetts Ave, Indianapolis, IN 46204
2 Year Share Certificate
$0
3.20%
▲ 0.40% above Indiana avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.80%▲ 0.40% above avgNationally 2.90%
Details
Penalty may apply for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 8 times
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
726 Massachusetts Ave, Indianapolis, IN 46204
24 Month Share Certificates - IRA Traditional
$0
3.20%
▲ 0.40% above Indiana avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.80%▲ 0.40% above avgNationally 2.90%
Details
IRA withdrawals may be subject to IRS penalties
Rate History
No change since Oct 14, 2026 · 3.20% APY · checked 2 times
Professional Police Officers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1502 E Washington St, Indianapolis, IN 46201 3849
24 Month Share Certificate - Two Year
$10,000
3.05%
▲ 0.25% above Indiana avg
▼
Rate3.00%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.80%▲ 0.25% above avgNationally 2.90%
Details
Early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 4 times
Kemba Indianapolis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
444 S Shortridge Rd, Indianapolis, IN 46219
24 Month Certificate
$500
3.00%
▲ 0.20% above Indiana avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.80%▲ 0.20% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
50 S Meridian St, Indianapolis, IN 46204
24 Month Renewal CD
$0
2.90%
▲ 0.10% above Indiana avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.80%▲ 0.10% above avgNationally 2.90%
Details
Renewal Terms & Rates; Book Appointment
Rate History
No change since Oct 7, 2026 · 2.90% APY · checked 3 times
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
50 S Meridian St, Indianapolis, IN 46204
24-Month CD
$1,000
2.90%
▲ 0.10% above Indiana avg
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.80%▲ 0.10% above avgNationally 2.90%
Details
New money; Open Online
Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 5 times
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
50 S Meridian St, Indianapolis, IN 46204
New Money CD - 24-Month
$1,000
2.90%
▲ 0.10% above Indiana avg
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.80%▲ 0.10% above avgNationally 2.90%
Details
Open Online; New money: funds not on deposit with Centier Bank in the last 90 days
Rate History
No change since Oct 7, 2026 · 2.90% APY · checked 3 times
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
3737 E 96th St, Indianapolis, IN 46240
24 Month Fixed Rate CD
$1,000
2.85%
▲ 0.05% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.80%▲ 0.05% above avgNationally 2.90%
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
Rate History
No change since Oct 7, 2026 · 2.85% APY · checked 3 times
STAR Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
9165 E 56th St, Indianapolis, IN 46216
2 Year Certificate of Deposit
$0
2.75%
▼ 0.05% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.80%▼ 0.05% below avgNationally 2.90%
Details
Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 2 times
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
8936 Southpointe Dr, Indianapolis, IN 46227
2 Year Term Certificates
$0
2.50%
▼ 0.30% below Indiana avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.80%▼ 0.30% below avgNationally 2.90%
Details
Dividends paid monthly
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 2 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
4545 Lafayette Rd, Indianapolis, IN 46254
Certificate of Deposit 2 Year
$500
2.25%
▼ 0.55% below Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.80%▼ 0.55% below avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
4545 Lafayette Rd, Indianapolis, IN 46254
IRA 2 Year
$500
2.25%
▼ 0.55% below Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.80%▼ 0.55% below avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 2.25% APY
Community First Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 13.92%
9333 N Meridian St, Indianapolis, IN 46260
24 months CD
$0
2.25%
▼ 0.55% below Indiana avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.80%▼ 0.55% below avgNationally 2.90%
Details
Rate History
No change since Oct 7, 2026 · 2.25% APY · checked 2 times
Community First Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 13.92%
9333 N Meridian St, Indianapolis, IN 46260
24 months IRA
$0
2.25%
▼ 0.55% below Indiana avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.80%▼ 0.55% below avgNationally 2.90%
Details
Rate History
No change since Oct 7, 2026 · 2.25% APY · checked 2 times
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
639 S Delaware St, Indianapolis, IN 46225
2 Year Share Certificate
$1,000
2.25%
▼ 0.55% below Indiana avg
▼
Rate2.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.80%▼ 0.55% below avgNationally 2.90%
Details
Primary members under 18: $500 minimum deposit; Penalty for early withdrawal
Rate History
No change since Oct 15, 2026 · 2.25% APY
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
639 S Delaware St, Indianapolis, IN 46225
IRA 2 Year Term
$1,000
2.25%
▼ 0.55% below Indiana avg
▼
Rate2.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.80%▼ 0.55% below avgNationally 2.90%
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 · 2.25% APY · checked 2 times
Everwise Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
4705 S Emerson Ave, Indianapolis, IN 46203
24 Month IRA Certificates
$500
2.25%
▼ 0.55% below Indiana avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.80%▼ 0.55% below avgNationally 2.90%
Details
Minimum balance to earn APY is $500; early withdrawal penalty may apply; open at a branch only, not available online
Rate History
No change since Sep 21, 2026 · 2.25% APY · checked 7 times
Everwise Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
4705 S Emerson Ave, Indianapolis, IN 46203
24 Month Share Certificates
$500
2.22%
▼ 0.58% below Indiana avg
▼
Rate2.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.80%▼ 0.58% below avgNationally 2.90%
Details
Minimum balance required to earn APY is $500; early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 2.22% APY · checked 9 times
Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 W 96th St, Indianapolis, IN 46260
24 Month Rate-Riser CD
$1,000
2.15%
▼ 0.65% below Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.80%▼ 0.65% below avgNationally 2.90%
Details
Deposits allowed: no; Withdrawals allowed: no
Rate History
No change since Sep 9, 2026 · 2.15% APY · checked 8 times
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
2186 N Sherman Dr, Indianapolis, IN 46218
Term Share Certificates - 2 Year
$0
2.00%
▼ 0.80% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.80%▼ 0.80% below avgNationally 2.90%
Details
A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
135 N Pennsylvania St, Indianapolis, IN 46204
24 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.05% below Indiana avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.80%▼ 2.05% below avgNationally 2.90%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
135 N Pennsylvania St, Indianapolis, IN 46204
24 Month Standard CD
$1,000
0.75%
▼ 2.05% below Indiana avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.80%▼ 2.05% below avgNationally 2.90%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Byline Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
10475 Crosspoint Blvd, Indianapolis, IN 46256
Certificates of Deposit - 2 year
$0
0.70%
▼ 2.10% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.80%▼ 2.10% below avgNationally 2.90%
Details
Open online
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 8 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
24 Month Certificate of Deposit
$0
0.03%
▼ 2.77% below Indiana avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.80%▼ 2.77% below avgNationally 2.90%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
IRA CD - 24 Months
$250
0.03%
▼ 2.77% below Indiana avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.80%▼ 2.77% below avgNationally 2.90%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
24 Month Certificate of Deposit
$0
0.02%
▼ 2.78% below Indiana avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.80%▼ 2.78% below avgNationally 2.90%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
IRA CD - 24 Months
$250
0.02%
▼ 2.78% below Indiana avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.80%▼ 2.78% below avgNationally 2.90%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
24 Month Certificate of Deposit
$0
0.01%
▼ 2.79% below Indiana avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.80%▼ 2.79% below avgNationally 2.90%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
IRA CD - 24 Months
$250
0.01%
▼ 2.79% below Indiana avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.80%▼ 2.79% below avgNationally 2.90%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
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
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 14, 2026
Indiana Average2.80%▲ 1.35% above avgNationally 2.90%
Details
Term Share Certificates; Effective Date: Thursday, October 1, 2026; Dividends paid at end of each month; Withdrawal penalty: See Below* (2 times the current APR, divided by 365, times remaining term in days)
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 2, 20264.15%▲ from 4.00%
- Sep 18, 20264.00%first recorded
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 14, 2026
Indiana Average2.80%▲ 1.20% above avgNationally 2.90%
Details
Offer requires new money - funds not on deposit at Civista
Rate History
No change since Sep 9, 2026 · 4.00% APY · checked 8 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
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
Indianapolis 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
4729 E 82nd St, Indianapolis, IN 46250
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
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
7023 Corporate Dr, Indianapolis, IN 46278 1938
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%
726 Massachusetts Ave, Indianapolis, IN 46204
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%
726 Massachusetts Ave, Indianapolis, IN 46204
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
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
6311 Airway Dr Ste 100, Indianapolis, IN 46241 6400
36 Month Share Certificate
$0
3.25%
▲ 0.46% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▲ 0.46% above avgNationally 2.82%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
8936 Southpointe Dr, Indianapolis, IN 46227
3 Year Term Certificates
$0
3.25%
▲ 0.46% above Indiana avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 0.46% above avgNationally 2.82%
Details
Dividends paid monthly
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Kemba Indianapolis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
444 S Shortridge Rd, Indianapolis, IN 46219
3 Year Certificate
$500
3.25%
▲ 0.46% above Indiana avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 0.46% above avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Kemba Indianapolis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
444 S Shortridge Rd, Indianapolis, IN 46219
36 Month Certificate
$500
3.15%
▲ 0.36% above Indiana avg
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 0.36% above avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 3.15% APY · checked 2 times
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
3737 E 96th St, Indianapolis, IN 46240
36 Month Fixed Rate CD
$1,000
2.95%
▲ 0.16% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▲ 0.16% above avgNationally 2.82%
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
Rate History
No change since Oct 7, 2026 · 2.95% APY · checked 3 times
STAR Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
9165 E 56th St, Indianapolis, IN 46216
3 Year Certificate of Deposit
$0
2.75%
▼ 0.04% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.79%▼ 0.04% below avgNationally 2.82%
Details
Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 2 times
Everwise Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
4705 S Emerson Ave, Indianapolis, IN 46203
36 Month HSA Certificates
$500
2.73%
▼ 0.06% below Indiana avg
▼
Rate2.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▼ 0.06% below avgNationally 2.82%
Details
Rates effective as of 10/1/2026; minimum balance to earn APY is $500; early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 2.73% APY · checked 9 times
Everwise Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
4705 S Emerson Ave, Indianapolis, IN 46203
36 Month IRA Certificates
$500
2.68%
▼ 0.11% below Indiana avg
▼
Rate2.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▼ 0.11% below avgNationally 2.82%
Details
Minimum balance to earn APY is $500; early withdrawal penalty may apply; open at a branch only, not available online
Rate History
No change since Sep 21, 2026 · 2.68% APY · checked 7 times
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
50 S Meridian St, Indianapolis, IN 46204
36 Month Renewal CD
$0
2.65%
▼ 0.14% below Indiana avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▼ 0.14% below avgNationally 2.82%
Details
Renewal Terms & Rates; Book Appointment
Rate History
No change since Oct 7, 2026 · 2.65% APY · checked 3 times
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
50 S Meridian St, Indianapolis, IN 46204
New Money CD - 36-Month
$1,000
2.65%
▼ 0.14% below Indiana avg
▼
Rate2.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▼ 0.14% below avgNationally 2.82%
Details
Open Online; New money: funds not on deposit with Centier Bank in the last 90 days
Rate History
No change since Oct 7, 2026 · 2.65% APY · checked 3 times
Everwise Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
4705 S Emerson Ave, Indianapolis, IN 46203
36 Month Share Certificates
$500
2.65%
▼ 0.14% below Indiana avg
▼
Rate2.62%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▼ 0.14% below avgNationally 2.82%
Details
Minimum balance required to earn APY is $500; early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 2.65% APY · checked 9 times
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
2186 N Sherman Dr, Indianapolis, IN 46218
Term Share Certificates - 3 Year
$0
2.50%
▼ 0.29% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▼ 0.29% below avgNationally 2.82%
Details
A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 2 times
Community First Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 13.92%
9333 N Meridian St, Indianapolis, IN 46260
36 months CD
$0
2.25%
▼ 0.54% below Indiana avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.79%▼ 0.54% below avgNationally 2.82%
Details
Rate History
No change since Oct 7, 2026 · 2.25% APY · checked 2 times
Community First Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 13.92%
9333 N Meridian St, Indianapolis, IN 46260
36 months IRA
$0
2.25%
▼ 0.54% below Indiana avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.79%▼ 0.54% below avgNationally 2.82%
Details
Rate History
No change since Oct 7, 2026 · 2.25% APY · checked 2 times
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
639 S Delaware St, Indianapolis, IN 46225
3 Year Share Certificate
$1,000
2.25%
▼ 0.54% below Indiana avg
▼
Rate2.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▼ 0.54% below avgNationally 2.82%
Details
Primary members under 18: $500 minimum deposit; Penalty for early withdrawal
Rate History
No change since Oct 15, 2026 · 2.25% APY
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
639 S Delaware St, Indianapolis, IN 46225
IRA 3 Year Term
$1,000
2.25%
▼ 0.54% below Indiana avg
▼
Rate2.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▼ 0.54% below avgNationally 2.82%
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 · 2.25% APY · checked 2 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4562 N Shadeland Ave, Indianapolis, IN 46226 3835
Share Certificates - 3 Year
$0
2.05%
▼ 0.74% below Indiana avg
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▼ 0.74% below avgNationally 2.82%
Details
Minimum deposit tier: $100,000
Rate History
No change since Oct 14, 2026 · 2.05% APY · checked 2 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4562 N Shadeland Ave, Indianapolis, IN 46226 3835
IRA Certificate - 3 Year
$500
2.00%
▼ 0.79% below Indiana avg
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▼ 0.79% below avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4562 N Shadeland Ave, Indianapolis, IN 46226 3835
Share Certificates - 3 Year
$0
2.00%
▼ 0.79% below Indiana avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▼ 0.79% below avgNationally 2.82%
Details
Minimum deposit tier: $500
Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 2 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
4545 Lafayette Rd, Indianapolis, IN 46254
Certificate of Deposit 3 Year
$500
1.40%
▼ 1.39% below Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▼ 1.39% below avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
4545 Lafayette Rd, Indianapolis, IN 46254
IRA 3 Year
$500
1.40%
▼ 1.39% below Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▼ 1.39% below avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 1.40% APY
Byline Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
10475 Crosspoint Blvd, Indianapolis, IN 46256
Certificates of Deposit - 3 year
$0
0.75%
▼ 2.04% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▼ 2.04% below avgNationally 2.82%
Details
Open online
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 8 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
135 N Pennsylvania St, Indianapolis, IN 46204
36 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.04% below Indiana avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▼ 2.04% below avgNationally 2.82%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
135 N Pennsylvania St, Indianapolis, IN 46204
36 Month Standard CD
$1,000
0.75%
▼ 2.04% below Indiana avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▼ 2.04% below avgNationally 2.82%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
36 Month Certificate of Deposit
$0
0.03%
▼ 2.76% below Indiana avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▼ 2.76% below avgNationally 2.82%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
IRA CD - 36 Months
$250
0.03%
▼ 2.76% below Indiana avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▼ 2.76% below avgNationally 2.82%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
36 Month Certificate of Deposit
$0
0.02%
▼ 2.77% below Indiana avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▼ 2.77% below avgNationally 2.82%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
IRA CD - 36 Months
$250
0.02%
▼ 2.77% below Indiana avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▼ 2.77% below avgNationally 2.82%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
36 Month Certificate of Deposit
$0
0.01%
▼ 2.78% below Indiana avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▼ 2.78% below avgNationally 2.82%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
IRA CD - 36 Months
$250
0.01%
▼ 2.78% below Indiana avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▼ 2.78% below avgNationally 2.82%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
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 14, 2026
Indiana Average2.79%▲ 1.61% above avgNationally 2.82%
Details
CD rate promo; Annual Percentage Yield accurate as of 10/13/2026; Terms and conditions apply
Rate History
No change since Oct 14, 2026 · 4.40% APY
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 11, 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%
36 Month Fixed Rate IRA
$1,000
4.32%
▲ 1.53% above Indiana avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.79%▲ 1.53% above avgNationally 2.82%
Details
Rate History
No change since Oct 7, 2026 · 4.32% APY · checked 2 times
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 14, 2026
Indiana Average2.79%▲ 1.21% above avgNationally 2.82%
Details
Term Share Certificates; Effective Date: Thursday, October 1, 2026; Dividends paid at end of each month; Withdrawal penalty: See Below* (2 times the current APR, divided by 365, times remaining term in days)
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Oct 2, 20264.00%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Indianapolis 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
7023 Corporate Dr, Indianapolis, IN 46278 1938
48 Month Certificate
$500
3.50%
▲ 0.83% above Indiana avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.67%▲ 0.83% above avgNationally 2.81%
Details
Rates as of 10/1/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
726 Massachusetts Ave, Indianapolis, IN 46204
4 Year Share Certificate
$0
3.50%
▲ 0.83% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.67%▲ 0.83% above avgNationally 2.81%
Details
Penalty may apply for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
726 Massachusetts Ave, Indianapolis, IN 46204
48 Month Share Certificates - IRA Traditional
$0
3.50%
▲ 0.83% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.67%▲ 0.83% above avgNationally 2.81%
Details
IRA withdrawals may be subject to IRS penalties
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
Kemba Indianapolis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
444 S Shortridge Rd, Indianapolis, IN 46219
4 Year Certificate
$500
3.25%
▲ 0.58% above Indiana avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.67%▲ 0.58% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
6311 Airway Dr Ste 100, Indianapolis, IN 46241 6400
48 Month Share Certificate
$0
3.00%
▲ 0.33% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.67%▲ 0.33% above avgNationally 2.81%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
8936 Southpointe Dr, Indianapolis, IN 46227
4 Year Term Certificates
$0
3.00%
▲ 0.33% above Indiana avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.67%▲ 0.33% above avgNationally 2.81%
Details
Dividends paid monthly
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Kemba Indianapolis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
444 S Shortridge Rd, Indianapolis, IN 46219
48 Month Certificate
$500
3.00%
▲ 0.33% above Indiana avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.67%▲ 0.33% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
639 S Delaware St, Indianapolis, IN 46225
4 Year Share Certificate
$1,000
2.65%
▼ 0.02% below Indiana avg
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.67%▼ 0.02% below avgNationally 2.81%
Details
Primary members under 18: $500 minimum deposit; Penalty for early withdrawal
Rate History
No change since Oct 15, 2026 · 2.65% APY
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
639 S Delaware St, Indianapolis, IN 46225
IRA 4 Year Term
$1,000
2.65%
▼ 0.02% below Indiana avg
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.67%▼ 0.02% below avgNationally 2.81%
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 · 2.65% APY · checked 2 times
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
50 S Meridian St, Indianapolis, IN 46204
48 Month Renewal CD
$0
2.50%
▼ 0.17% below Indiana avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.67%▼ 0.17% below avgNationally 2.81%
Details
Renewal Terms & Rates; Book Appointment
Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 3 times
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
50 S Meridian St, Indianapolis, IN 46204
New Money CD - 48-Month
$1,000
2.50%
▼ 0.17% below Indiana avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.67%▼ 0.17% below avgNationally 2.81%
Details
Open Online; New money: funds not on deposit with Centier Bank in the last 90 days
Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 3 times
STAR Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
9165 E 56th St, Indianapolis, IN 46216
4 Year Certificate of Deposit
$0
2.50%
▼ 0.17% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.67%▼ 0.17% below avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
2186 N Sherman Dr, Indianapolis, IN 46218
Term Share Certificates - 4 Year
$0
2.50%
▼ 0.17% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.67%▼ 0.17% below avgNationally 2.81%
Details
A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 2 times
Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 W 96th St, Indianapolis, IN 46260
48 Month Rate-Riser CD
$1,000
2.40%
▼ 0.27% below Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.67%▼ 0.27% below avgNationally 2.81%
Details
Deposits allowed: no; Withdrawals allowed: no
Rate History
No change since Sep 9, 2026 · 2.40% APY · checked 8 times
Community First Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 13.92%
9333 N Meridian St, Indianapolis, IN 46260
48 months CD
$0
2.25%
▼ 0.42% below Indiana avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.67%▼ 0.42% below avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 2.25% APY · checked 2 times
Community First Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 13.92%
9333 N Meridian St, Indianapolis, IN 46260
48 months IRA
$0
2.25%
▼ 0.42% below Indiana avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.67%▼ 0.42% below avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 2.25% APY · checked 2 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4562 N Shadeland Ave, Indianapolis, IN 46226 3835
Share Certificates - 4 Year
$0
2.10%
▼ 0.57% below Indiana avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.67%▼ 0.57% below avgNationally 2.81%
Details
Minimum deposit tier: $100,000
Rate History
No change since Oct 14, 2026 · 2.10% APY · checked 2 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4562 N Shadeland Ave, Indianapolis, IN 46226 3835
IRA Certificate - 4 Year
$500
2.05%
▼ 0.62% below Indiana avg
▼
Rate2.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.67%▼ 0.62% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 3 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4562 N Shadeland Ave, Indianapolis, IN 46226 3835
Share Certificates - 4 Year
$0
2.05%
▼ 0.62% below Indiana avg
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.67%▼ 0.62% below avgNationally 2.81%
Details
Minimum deposit tier: $500
Rate History
No change since Oct 14, 2026 · 2.05% APY · checked 2 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
4545 Lafayette Rd, Indianapolis, IN 46254
Certificate of Deposit 4 Year
$500
1.15%
▼ 1.52% below Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.67%▼ 1.52% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
4545 Lafayette Rd, Indianapolis, IN 46254
IRA 4 Year
$500
1.15%
▼ 1.52% below Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.67%▼ 1.52% below avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 1.15% APY
Byline Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
10475 Crosspoint Blvd, Indianapolis, IN 46256
Certificates of Deposit - 4 year
$0
1.00%
▼ 1.67% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.67%▼ 1.67% below avgNationally 2.81%
Details
Open online
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 8 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
135 N Pennsylvania St, Indianapolis, IN 46204
48 Month IRA Certificate of Deposit
$0
0.75%
▼ 1.92% below Indiana avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.67%▼ 1.92% below avgNationally 2.81%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
135 N Pennsylvania St, Indianapolis, IN 46204
48 Month Standard CD
$1,000
0.75%
▼ 1.92% below Indiana avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.67%▼ 1.92% below avgNationally 2.81%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
48 Month Certificate of Deposit
$0
0.03%
▼ 2.64% below Indiana avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.67%▼ 2.64% below avgNationally 2.81%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
IRA CD - 48 Months
$250
0.03%
▼ 2.64% below Indiana avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.67%▼ 2.64% below avgNationally 2.81%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
48 Month Certificate of Deposit
$0
0.02%
▼ 2.65% below Indiana avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.67%▼ 2.65% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
IRA CD - 48 Months
$250
0.02%
▼ 2.65% below Indiana avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.67%▼ 2.65% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
48 Month Certificate of Deposit
$0
0.01%
▼ 2.66% below Indiana avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.67%▼ 2.66% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
IRA CD - 48 Months
$250
0.01%
▼ 2.66% below Indiana avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.67%▼ 2.66% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
48 Month Certificate of Deposit
$1,000
4.83%
▲ 2.16% above Indiana avg
▼
Rate4.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.67%▲ 2.16% above avgNationally 2.81%
Details
Rate History
2 changes since Sep 11, 2026 · 3.29% → 4.83% ▲ 1.54 pts · high 4.83% / low 3.29%
- 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%
48 Month Fixed Rate IRA
$1,000
4.83%
▲ 2.16% above Indiana avg
▼
Rate4.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.67%▲ 2.16% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 4.83% APY · checked 2 times
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
48 Mo. Certificate
$1,000
4.24%
▲ 1.57% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.67%▲ 1.57% above avgNationally 2.81%
Details
Dividends compounded monthly
Rate History
1 change since Sep 18, 2026 · 3.61% → 4.24% ▲ 0.62 pts · high 4.24% / low 3.61%
- 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%
▲ 1.48% above Indiana avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.67%▲ 1.48% above avgNationally 2.81%
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%
▲ 1.48% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.67%▲ 1.48% above avgNationally 2.81%
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%
▲ 1.48% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.67%▲ 1.48% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 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%
▲ 1.48% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.67%▲ 1.48% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- 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%
▲ 1.48% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.67%▲ 1.48% above avgNationally 2.81%
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%
▲ 1.48% above Indiana avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.67%▲ 1.48% above avgNationally 2.81%
Details
IRA Share Certificate; Dividend rates declared monthly; IRA may be assessed an Annual Fee, Transfer Fee, and Termination Fee
Rate History
1 change since Oct 14, 2026 · 4.30% → 4.15% ▼ 0.15 pts · high 4.30% / low 4.15%
- 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%
▲ 1.48% above Indiana avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.67%▲ 1.48% above avgNationally 2.81%
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%
▲ 1.39% above Indiana avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.67%▲ 1.39% above avgNationally 2.81%
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%
▲ 1.28% above Indiana avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.67%▲ 1.28% above avgNationally 2.81%
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%
4 Year IRA Certificate
$200
3.90%
▲ 1.23% above Indiana avg
▼
Rate3.83%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.67%▲ 1.23% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 5 times
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Certificate - 4 Year
$200
3.90%
▲ 1.23% above Indiana avg
▼
Rate3.83%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.67%▲ 1.23% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 7 times
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
CW Certificates - 48 Months
$1,000
3.85%
▲ 1.18% above Indiana avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.67%▲ 1.18% above avgNationally 2.81%
Details
Term Share Certificates; Effective Date: Thursday, October 1, 2026; Dividends paid at end of each month; Withdrawal penalty: See Below* (2 times the current APR, divided by 365, times remaining term in days)
Rate History
1 change since Sep 18, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70%
- Oct 2, 20263.85%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
48 Month Share Certificates
$0
3.65%
▲ 0.98% above Indiana avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.67%▲ 0.98% above avgNationally 2.81%
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%
▲ 0.98% above Indiana avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.67%▲ 0.98% above avgNationally 2.81%
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%
▲ 0.93% above Indiana avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.67%▲ 0.93% above avgNationally 2.81%
Details
Balance: $200 - $4999; Penalty: 6 Month
Rate History
No change since Sep 27, 2026 · 3.60% APY · checked 5 times
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
48 Month Certificate
$10,000
3.56%
▲ 0.89% above Indiana avg
▼
Rate3.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.67%▲ 0.89% above avgNationally 2.81%
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%
▲ 0.88% above Indiana avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.67%▲ 0.88% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Indianapolis 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
726 Massachusetts Ave, Indianapolis, IN 46204
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%
726 Massachusetts Ave, Indianapolis, IN 46204
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
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
4729 E 82nd St, Indianapolis, IN 46250
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
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
7023 Corporate Dr, Indianapolis, IN 46278 1938
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
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
7023 Corporate Dr, Indianapolis, IN 46278 1938
60 Month Certificate
$500
3.25%
▲ 0.46% above Indiana avg
▼
Rate3.19%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 0.46% above avgNationally 2.93%
Details
Rates as of 10/1/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Kemba Indianapolis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
444 S Shortridge Rd, Indianapolis, IN 46219
5 Year Certificate
$500
3.25%
▲ 0.46% above Indiana avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 0.46% above avgNationally 2.93%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Citizens Bank Mooresville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
2334 E County Line Rd, Indianapolis, IN 46227
60 Month Certificate of Deposit
$500
3.04%
▲ 0.25% above Indiana avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▲ 0.25% above avgNationally 2.93%
Details
Effective 3/24/2026
Rate History
No change since Oct 14, 2026 · 3.04% APY
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
8936 Southpointe Dr, Indianapolis, IN 46227
5 Year Term Certificates
$0
3.00%
▲ 0.21% above Indiana avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 0.21% above avgNationally 2.93%
Details
Dividends paid monthly
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Everwise Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
4705 S Emerson Ave, Indianapolis, IN 46203
60 Month HSA Certificates
$500
2.93%
▲ 0.14% above Indiana avg
▼
Rate2.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 0.14% above avgNationally 2.93%
Details
Rates effective as of 10/1/2026; minimum balance to earn APY is $500; early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 2.93% APY · checked 9 times
Everwise Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
4705 S Emerson Ave, Indianapolis, IN 46203
60 Month IRA Certificates
$500
2.86%
▲ 0.07% above Indiana avg
▼
Rate2.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 0.07% above avgNationally 2.93%
Details
Minimum balance to earn APY is $500; early withdrawal penalty may apply; open at a branch only, not available online
Rate History
No change since Sep 21, 2026 · 2.86% APY · checked 7 times
Everwise Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
4705 S Emerson Ave, Indianapolis, IN 46203
60 Month Share Certificates
$500
2.84%
▲ 0.05% above Indiana avg
▼
Rate2.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 0.05% above avgNationally 2.93%
Details
Minimum balance required to earn APY is $500; early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 2.84% APY · checked 9 times
Kemba Indianapolis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
444 S Shortridge Rd, Indianapolis, IN 46219
60 Month Certificate
$500
2.76%
▼ 0.03% below Indiana avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▼ 0.03% below avgNationally 2.93%
Details
Rate History
No change since Oct 14, 2026 · 2.76% APY · checked 2 times
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
6311 Airway Dr Ste 100, Indianapolis, IN 46241 6400
60 Month Share Certificate
$0
2.75%
▼ 0.04% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▼ 0.04% below avgNationally 2.93%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
639 S Delaware St, Indianapolis, IN 46225
5 Year Share Certificate
$1,000
2.75%
▼ 0.04% below Indiana avg
▼
Rate2.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▼ 0.04% below avgNationally 2.93%
Details
Primary members under 18: $500 minimum deposit; Penalty for early withdrawal
Rate History
No change since Oct 15, 2026 · 2.75% APY
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
639 S Delaware St, Indianapolis, IN 46225
IRA 5 Year Term
$1,000
2.75%
▼ 0.04% below Indiana avg
▼
Rate2.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▼ 0.04% below avgNationally 2.93%
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 · 2.75% APY · checked 2 times
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
50 S Meridian St, Indianapolis, IN 46204
60 Month Renewal CD
$0
2.50%
▼ 0.29% below Indiana avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▼ 0.29% below avgNationally 2.93%
Details
Renewal Terms & Rates; Book Appointment
Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 3 times
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
50 S Meridian St, Indianapolis, IN 46204
New Money CD - 60-Month
$1,000
2.50%
▼ 0.29% below Indiana avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▼ 0.29% below avgNationally 2.93%
Details
Open Online; New money: funds not on deposit with Centier Bank in the last 90 days
Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 3 times
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
2186 N Sherman Dr, Indianapolis, IN 46218
Term Share Certificates - 5 Year
$0
2.50%
▼ 0.29% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Indiana Average2.79%▼ 0.29% below avgNationally 2.93%
Details
A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 2 times
Community First Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 13.92%
9333 N Meridian St, Indianapolis, IN 46260
60 months CD
$0
2.25%
▼ 0.54% below Indiana avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.79%▼ 0.54% below avgNationally 2.93%
Details
Rate History
No change since Oct 7, 2026 · 2.25% APY · checked 2 times
Community First Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 13.92%
9333 N Meridian St, Indianapolis, IN 46260
60 months IRA
$0
2.25%
▼ 0.54% below Indiana avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.79%▼ 0.54% below avgNationally 2.93%
Details
Rate History
No change since Oct 7, 2026 · 2.25% APY · checked 2 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4562 N Shadeland Ave, Indianapolis, IN 46226 3835
Share Certificates - 5 Year
$0
2.15%
▼ 0.64% below Indiana avg
▼
Rate2.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▼ 0.64% below avgNationally 2.93%
Details
Minimum deposit tier: $100,000
Rate History
No change since Oct 14, 2026 · 2.15% APY · checked 2 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4562 N Shadeland Ave, Indianapolis, IN 46226 3835
IRA Certificate - 5 Year
$500
2.10%
▼ 0.69% below Indiana avg
▼
Rate2.08%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▼ 0.69% below avgNationally 2.93%
Details
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 3 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4562 N Shadeland Ave, Indianapolis, IN 46226 3835
Share Certificates - 5 Year
$0
2.10%
▼ 0.69% below Indiana avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▼ 0.69% below avgNationally 2.93%
Details
Minimum deposit tier: $500
Rate History
No change since Oct 14, 2026 · 2.10% APY · checked 2 times
STAR Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
9165 E 56th St, Indianapolis, IN 46216
5 Year Certificate of Deposit
$0
2.00%
▼ 0.79% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.79%▼ 0.79% below avgNationally 2.93%
Details
Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
4545 Lafayette Rd, Indianapolis, IN 46254
Certificate of Deposit 5 Year
$500
1.25%
▼ 1.54% below Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▼ 1.54% below avgNationally 2.93%
Details
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
4545 Lafayette Rd, Indianapolis, IN 46254
IRA 5 Year
$500
1.25%
▼ 1.54% below Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▼ 1.54% below avgNationally 2.93%
Details
Rate History
No change since Oct 14, 2026 · 1.25% APY
Byline Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
10475 Crosspoint Blvd, Indianapolis, IN 46256
Certificates of Deposit - 5 year
$0
1.25%
▼ 1.54% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▼ 1.54% below avgNationally 2.93%
Details
Open online
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 8 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
135 N Pennsylvania St, Indianapolis, IN 46204
60 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.04% below Indiana avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▼ 2.04% below avgNationally 2.93%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
135 N Pennsylvania St, Indianapolis, IN 46204
60 Month Standard CD
$1,000
0.75%
▼ 2.04% below Indiana avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▼ 2.04% below avgNationally 2.93%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
60 Month Certificate of Deposit
$0
0.03%
▼ 2.76% below Indiana avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▼ 2.76% below avgNationally 2.93%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
IRA CD - 60 Months
$250
0.03%
▼ 2.76% below Indiana avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▼ 2.76% below avgNationally 2.93%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
60 Month Certificate of Deposit
$0
0.02%
▼ 2.77% below Indiana avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▼ 2.77% below avgNationally 2.93%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
IRA CD - 60 Months
$250
0.02%
▼ 2.77% below Indiana avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▼ 2.77% below avgNationally 2.93%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
60 Month Certificate of Deposit
$0
0.01%
▼ 2.78% below Indiana avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▼ 2.78% below avgNationally 2.93%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 W Washington St, Indianapolis, IN 46204
IRA CD - 60 Months
$250
0.01%
▼ 2.78% below Indiana avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Indiana Average2.79%▼ 2.78% below avgNationally 2.93%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
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 11, 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%
60 Month Fixed Rate IRA
$1,000
5.09%
▲ 2.30% above Indiana avg
▼
Rate5.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Indiana Average2.79%▲ 2.30% above avgNationally 2.93%
Details
Rate History
No change since Oct 7, 2026 · 5.09% APY · checked 2 times
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
Powered by
MonitorBankRates
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.
Indianapolis, IN CD Rate Trends
Compare local Indianapolis, 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%
▼ 0.008 vs 7 days ago
Indiana 12-month CD rates fell 0.008 points over the past 7 days to 2.817% APY.
6-Month CD IN Avg
2.637%
▼ 0.004 vs 7 days ago
Indiana 6-month CD rates fell 0.004 points over the past 7 days to 2.637% APY.
As of Oct 19, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates
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%
Powered by
MonitorBankRates
What Your Savings Earn at IN CD Rates Today
Annual interest earnings at today’s Indiana average APYs. State average used where available; national average as fallback.
| CD Term | IN Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.603% | $80.14 | $160.28 | $400.70 | $801.40 |
| 6-Month CD | 2.637% | $131.87 | $263.74 | $659.35 | $1,318.70 |
| 12-Month CD | 2.817% | $140.86 | $281.72 | $704.30 | $1,408.60 |
| 18-Month CD | 2.606% | $130.28 | $260.55 | $651.38 | $1,302.75 |
| 24-Month CD | 2.800% | $140.00 | $279.99 | $699.98 | $1,399.95 |
| 36-Month CD | 2.794% | $139.72 | $279.44 | $698.60 | $1,397.20 |
| 48-Month CD | 2.667% | $133.33 | $266.66 | $666.65 | $1,333.30 |
| 60-Month CD | 2.790% | $139.48 | $278.96 | $697.40 | $1,394.80 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 19, 2026. | |||||
Powered byMonitorBankRates
Sample CD Ladder for Indianapolis, 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 | 1.603% | $80.14 |
| 2 | 6-Month CD | $5,000 | 2.637% | $131.87 |
| 3 | 12-Month CD | $5,000 | 2.817% | $140.86 |
| 4 | 24-Month CD | $5,000 | 2.800% | $140.00 |
| 5 | 36-Month CD | $5,000 | 2.794% | $139.72 |
| Total ($25,000 invested) | $25,000 | 2.530% blended | $632.59/yr | |
Ladder example uses equal $5,000 rungs and Indiana average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
Powered byMonitorBankRates
1,339
CD Rates
Tracked in Indianapolis, Indiana
Tracked in Indianapolis, Indiana
48 Banks
77 Credit Unions
About Our Indianapolis, Indiana CD Rate Database
MonitorBankRates tracks 1,339 CD rates from 48 banks and 77 credit unions with locations in Indianapolis, 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: Elements Financial Federal Credit Union offers a CD at 4.50% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Indianapolis, Indiana.
How to Find the Best CD Rates in Indianapolis, Indiana
What to compare when shopping for a CD in Indianapolis, Indiana
To find the best APYs in Indianapolis, Indiana, start with credit unions and online-only banks: Indianapolis, Indiana has 77 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 Indianapolis, 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 Indianapolis, Indiana: 125 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Indianapolis, 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 Indianapolis, 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 Indianapolis, 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 Indianapolis, 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 Indianapolis, 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 Indianapolis, Indiana as everywhere in the U.S.
Choosing a CD Term in Indianapolis, 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 Indianapolis, 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, Firefighters Credit Union is offering its 5 Year Share Certificate at 4.00% 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 Indianapolis, 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 Indianapolis, 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 Indianapolis, 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 Indianapolis, 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 Indianapolis, Indiana
Most CDs carry a fixed rate that is locked for the entire term, protecting a Indianapolis, 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 Indianapolis, Indiana
Are CD rates in Indianapolis, Indiana FDIC insured?
Yes, most established banks in Indianapolis, 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 Indianapolis, 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 Indianapolis, 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 Indianapolis, 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 Indianapolis, Indiana?
Here are recent top rates found for this area:
- Elements Financial Federal Credit Union: 4.50% APY (18 Month Share Certificate)
- Indiana University Credit Union: 4.50% APY (6 Month Term Certificates)
- Hoosier United Credit Union: 4.32% APY (12 Month Youth CD)
- Forum Credit Union: 4.25% APY (18 Month Certificate)
- Centra Credit Union: 4.15% APY (Share Certificates - 24 Month)
- CF Bank: 4.00% APY (Certificates of Deposit - 12 Month)
- Financial Health Federal Credit Union: 4.00% APY (6-Month CD)
- FedEx Employees Credit Association Federal Credit Union: 4.00% APY (12 Month Share Certificate)
- Firefighters Credit Union: 4.00% APY (5 Year Share Certificate)
- Lake City Bank: 3.90% APY (18 Month Companion CD)
Rates reflect recent verified offers available in Indianapolis, Indiana. Last Updated: October 19, 2026
Indianapolis, 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 Indianapolis, 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 Indianapolis, Indiana
Indianapolis, Indiana CD Calculator
At today’s IN top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Indianapolis, Indiana CD LadderIN CD rates currently range from 1.603% (3-month) to 2.794% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Indianapolis, Indiana CD at 4.50% 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 Indianapolis, 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 Indianapolis, 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 Indianapolis, 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 19, 2026
Indianapolis, Indiana Rates & Resources
Indianapolis, Indiana Mortgage Rates
Indianapolis, Indiana Refinance Rates
Indianapolis, Indiana Home Equity Loan Rates
Indianapolis, Indiana Savings Rates
Indianapolis, Indiana Money Market Rates
Indianapolis, Indiana Checking Rates
Indianapolis, Indiana Auto Loan Rates
Indianapolis, Indiana Personal Loan Rates
Indianapolis, Indiana Homeowners Insurance
Indianapolis, Indiana Car Insurance
Rate Assistant
MonitorBankRates.com · Live Data
Try asking