Jamestown, Indiana Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Jamestown, Indiana CD rates include Midwest Family Federal Credit UnionMidwest Family Federal Credit UnionA5.0 ★Texas Ratio: 6.62%Real return: +1.79%APY minus CPI (February 2026) offering LOYALTY CERTIFICATE PROMO: 6 MONTHS at 4.59% APY, Fort Financial Federal Credit UnionFort Financial Federal Credit UnionA+5.0 ★Texas Ratio: 1.64%Real return: +1.70%APY minus CPI (February 2026) offering Traditional 12-Month IRA Certificate at 4.50% APY, Indiana University Credit UnionIndiana University Credit UnionA+5.0 ★Texas Ratio: 4.24%Real return: +1.70%APY minus CPI (February 2026) offering 6-month paid monthly at 4.50% APY, United Fidelity BankUnited Fidelity BankA+5.0 ★Texas Ratio: 2.56%Real return: +1.60%APY minus CPI (February 2026) offering 12-Month CD at 4.40% APY, and Chicago Patrolmens Federal Credit UnionChicago Patrolmens Federal Credit UnionA+5.0 ★Texas Ratio: 3.62%Real return: +1.54%APY minus CPI (February 2026) offering 24-Month IRA at 4.34% APY. CD rates as of September 16, 2026 according to verified data from MonitorBankRates.
Jamestown is a smaller community with no bank or credit union branches currently in our database. 761 institutions serving the Indiana area are available to Jamestown residents, with CD rates as high as 4.59% APY from Midwest Family Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 16, 2026
Compare Best CD Rates in Jamestown, Indiana & the Surrounding Area
Jamestown 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
3 Month Share Certificates
$0
4.06%
▲ 2.02% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 2.02% above avg
Details
***SPECIAL***
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
3 Month Certificate
$500
3.76%
▲ 1.72% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.72% above avg
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
3 Month Share Certificates
$0
3.72%
▲ 1.68% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.04%▲ 1.68% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
3 Month Certificates
$0
3.65%
▲ 1.61% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.61% above avg
Details
American Community Bank of Indiana
Institution Rating:
B-4.3 ★Texas Ratio: 22.89%
3 Month Certificate of Deposit
$0
3.55%
▲ 1.51% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.04%▲ 1.51% above avg
Details
New Money Only
American Community Bank of Indiana
Institution Rating:
B-4.3 ★Texas Ratio: 22.89%
SPECIAL: 3 Month Certificate of Deposit
$0
3.55%
▲ 1.51% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.04%▲ 1.51% above avg
Details
New Money Only
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
3 Month Certificate
$0
3.55%
▲ 1.51% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.51% above avg
Details
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
3 Month Youth Share Certificates
$0
3.55%
▲ 1.51% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.51% above avg
Details
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
3 Month Share Certificates
$0
3.44%
▲ 1.40% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.40% above avg
Details
Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
3-month Companion CD
$1,000
3.40%
▲ 1.36% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.04%▲ 1.36% above avg
Details
Other rates and terms are available.
Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3 Month CD
$500
3.30%
▲ 1.26% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.04%▲ 1.26% above avg
Details
First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
3-month CD
$0
3.14%
▲ 1.10% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.04%▲ 1.10% above avg
Details
Early Withdrawal Penalties: 90 days interest
First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
Business 3-month CD
$0
3.14%
▲ 1.10% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.04%▲ 1.10% above avg
Details
Early Withdrawal Penalties: 90 days interest
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Mo. Certificate
$0
3.04%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.00% above avg
Details
Afena Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
3 Month Share Certificates and IRA Certificates
$100,000
2.55%
▲ 0.51% above national avg
▼
Rate2.52%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.51% above avg
Details
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Share Certificates - 3 Months
$0
2.50%
▲ 0.46% above national avg
▼
Rate2.48%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.04%▲ 0.46% above avg
Details
Afena Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
3 Month Share Certificates and IRA Certificates ($10,000)
$10,000
2.40%
▲ 0.36% above national avg
▼
Rate2.37%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.36% above avg
Details
Afena Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
3 Month Share Certificates and IRA Certificates ($250)
$250
2.40%
▲ 0.36% above national avg
▼
Rate2.37%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.36% above avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3 Month CD
$500
2.00%
▼ 0.04% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.04% below avg
Details
Penalties may be assessed for early CD & IRA withdrawals.
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
3 Month Certificate
$500
2.00%
▼ 0.04% below national avg
▼
Rate1.98%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.04% below avg
Details
Haynes Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
3 Month Share Certificate
$0
1.75%
▼ 0.29% below national avg
▼
Rate1.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.29% below avg
Details
Indiana Heartland Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.84%
3 Month Certificate
$500
1.75%
▼ 0.29% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.29% below avg
Details
Financial Builders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3 Month Certificate
$0
1.63%
▼ 0.41% below national avg
▼
Rate1.62%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.41% below avg
Details
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Month Certificate
$10,000
1.56%
▼ 0.48% below national avg
▼
Rate1.55%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.48% below avg
Details
SOLIDARITY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
3 Month Certificate
$0
1.55%
▼ 0.49% below national avg
▼
Rate1.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.49% below avg
Details
Fowler State Bank Fowler, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
3 Month Certificate of Deposit
$1,000
1.51%
▼ 0.53% below national avg
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.53% below avg
Details
Compounding Frequency: Maturity
Perfect Circle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
3 Month CD
$1,000
1.51%
▼ 0.53% below national avg
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.53% below avg
Details
Perfect Circle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
3 Month IRA CD
$1,000
1.51%
▼ 0.53% below national avg
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.53% below avg
Details
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.45%
3 Month Certificate
$0
1.30%
▼ 0.74% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.74% below avg
Details
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Month Certificate
$10,000
1.26%
▼ 0.78% below national avg
▼
Rate1.25%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.78% below avg
Details
Evansville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
3 Month Certificate
$1,000
1.26%
▼ 0.78% below national avg
▼
Rate1.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.78% below avg
Details
Evansville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
3 Month IRA Certificate
$1,000
1.26%
▼ 0.78% below national avg
▼
Rate1.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.78% below avg
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
3 Month Certificate
$0
1.25%
▼ 0.79% below national avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.04%▼ 0.79% below avg
Details
APY with Bonus Rate: 1.35%. Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
3 Month Certificates
$10,000
1.21%
▼ 0.83% below national avg
▼
Rate1.20%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.83% below avg
Details
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
3 Month Term Share Certificate
$0
1.15%
▼ 0.89% below national avg
▼
Rate1.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.89% below avg
Details
Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3 Month VIP Certificate
$10,000
1.01%
▼ 1.03% below national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.03% below avg
Details
Bank of Wolcott
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Month CD
$5,000
1.00%
▼ 1.04% below national avg
▼
Rate1.00%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.04% below avg
Details
Alliance Bank IN
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
90 Day CD
$1,000
1.00%
▼ 1.04% below national avg
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.04% below avg
Details
GESB Sheet Metal Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
90 Day Certificate Accounts
$0
1.00%
▼ 1.04% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.04% below avg
Details
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
3 Month Certificates
$500
1.00%
▼ 1.04% below national avg
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.04% below avg
Details
Natco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
3 month certificate
$0
1.00%
▼ 1.04% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.04% below avg
Details
Tech Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
3 Month Certificate IRA - Regular
$0
1.00%
▼ 1.04% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.04% below avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3 MONTH IRA
$500
1.00%
▼ 1.04% below national avg
▼
Rate0.99%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.04% below avg
Details
IRA may be assessed an Annual Fee, Transfer Fee, and Termination Fee.
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
3 Month Certificate
$100,000
0.90%
▼ 1.14% below national avg
▼
Rate0.90%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.14% below avg
Details
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
3 Month Certificate
$500
0.85%
▼ 1.19% below national avg
▼
Rate0.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.19% below avg
Details
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Business 3 Month
$500
0.85%
▼ 1.19% below national avg
▼
Rate0.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.19% below avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
90-Day Certificate
$500
0.80%
▼ 1.24% below national avg
▼
Rate0.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.24% below avg
Details
Premier Member Rate
Public Service #3 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Share Certificates of Deposit - 3 months
$1,000
0.60%
▼ 1.44% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.44% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
3-month term
$0
0.60%
▼ 1.44% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.44% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
Standard CDs - 3-month term
$0
0.60%
▼ 1.44% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.44% below avg
Details
Jamestown 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Midwest Family Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
LOYALTY CERTIFICATE PROMO: 6 MONTHS
$0
4.59%
▲ 1.84% above national avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.84% above avg
Details
Qualifications Required: Checking and Savings account; Debit card; must currently have Direct Deposit; Money must be new to MWFFCU.
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6-month paid monthly
$0
4.50%
▲ 1.75% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.75% above avg
Details
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Business 6-month paid monthly
$0
4.50%
▲ 1.75% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.75% above avg
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6-Month CD
$1,000
4.35%
▲ 1.60% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.75%▲ 1.60% above avg
Details
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
6 Month Certificate
$1,000
4.15%
▲ 1.40% above national avg
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.75%▲ 1.40% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
6 Month Term Certificate of Deposit
$1,000
4.13%
▲ 1.38% above national avg
▼
Rate4.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.38% above avg
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
6 Month Certificate - 6 months
$0
4.10%
▲ 1.35% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.35% above avg
Details
Certificates over $20,000
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
6 Month Certificate - 6 months ($500)
$500
4.10%
▲ 1.35% above national avg
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.35% above avg
Details
Certificates $500 to $20,000
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
6 Month Special Certificate
$500
4.05%
▲ 1.30% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.30% above avg
Details
Pair a certificate special with an Ultra Checking account and earn up to 4.05% APY for 6 months. IRA eligible. Rates include a 0.10% APY increase when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. If requirements are not met, rates are 3.95% for 6 months. 6 month certificate renews to 6 month standard certificate at maturity.
CF Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
6 Month term
$0
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
Financial Health Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
6-Month CD
$500
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month Share Certificate - 6 months
$0
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
Under $50,000; Dividends Paid at Maturity
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month Share Certificate - 6 months ($50,000 & up)
$0
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
Dividends Paid Monthly
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month Share Certificate - 6 months (Under $50,000)
$0
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
Dividends Paid at Maturity
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
IRA Certificate of Deposit - 6 Month
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
6 Month Certificate Special
$0
3.95%
▲ 1.20% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.20% above avg
Details
APY with Bonus Rate: 4.05%. Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
6 Month Certificate Special - 6 months
$0
3.95%
▲ 1.20% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.20% above avg
Details
Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Highlighted rows are current specials.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificates of Deposit
$1,000
3.90%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.15% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 6 Month
$0
3.90%
▲ 1.15% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.15% above avg
Details
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
6 Month Certificate
$0
3.85%
▲ 1.10% above national avg
▼
Rate3.77%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.10% above avg
Details
*Dividend Rate **APY
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
6 Month Share Certificates
$0
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.75%▲ 1.07% above avg
Details
Encompass Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
6 Month Certificate
$0
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.07% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month CD - Certificates of Deposit
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificates of Deposit
$1,000
3.80%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 6 Month
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 6 Month
$1,000
3.80%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 6-Month
$1,000
3.80%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
6 Month Certificate
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
6-month CD
$0
3.76%
▲ 1.01% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.01% above avg
Details
Early Withdrawal Penalties: 180 days interest
First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
Business 6-month CD
$0
3.76%
▲ 1.01% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.01% above avg
Details
Early Withdrawal Penalties: 180 days interest
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
6 Month Share Certificates
$0
3.76%
▲ 1.01% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.01% above avg
Details
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6 Month CD
$500
3.75%
▲ 1.00% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.00% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificates of Deposit
$1,000
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 6 Month
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 6 Month
$1,000
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
6 Month Term IRA
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificate - 6 Month Term
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Indiana Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6 Month Certificate
$500
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
6 Month Certificate
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
6 Month Youth Share Certificates
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Fire Police City County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Certificates - 6 months
$0
3.70%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.95% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
6 Month Certificates
$0
3.70%
▲ 0.95% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.95% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
6-MONTH CD
$500
3.70%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.95% above avg
Details
New Money Required; Offer subject to change or cancellation at any time without notice.
Eastern Indiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6 Month Certificate
$500
3.68%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 0.93% above avg
Details
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
6 Month Certificate
$500
3.65%
▲ 0.90% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
6 Month Share Certificates
$0
3.65%
▲ 0.90% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
Montana Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Share Certificates
$0
3.60%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.85% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6 Month Certificate
$500
3.60%
▲ 0.85% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.85% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6 MONTH IRA
$500
3.60%
▲ 0.85% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.85% above avg
Details
IRA may be assessed an Annual Fee, Transfer Fee, and Termination Fee.
Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
6-month Companion CD
$1,000
3.55%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.80% above avg
Details
Other rates and terms are available.
Jamestown 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Traditional 12-Month IRA Certificate
$500
4.50%
▲ 1.58% above national avg
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.58% above avg
Details
Non-premier member rate: 4.25% APY | 4.17% Dividend Rate; Traditional & Roth Certificates Rates
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
12-Month CD
$1,000
4.40%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.92%▲ 1.48% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Traditional 12-Month IRA Certificate
$500
4.25%
▲ 1.33% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.33% above avg
Details
Premier Member rate: 4.50% APY | 4.41% Dividend Rate; Traditional & Roth Certificates Rates
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
12 Month Certificate
$1,000
4.10%
▲ 1.18% above national avg
▼
Rate4.03%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.92%▲ 1.18% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
12-Month IRA
$0
4.08%
▲ 1.16% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.92%▲ 1.16% above avg
Details
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
12 Month IRA Certificate
$2,500
4.07%
▲ 1.15% above national avg
▼
Rate4.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.15% above avg
Details
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
12 Month Term Certificate of Deposit
$1,000
4.02%
▲ 1.10% above national avg
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.10% above avg
Details
CF Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
12 Month term
$0
4.00%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
PrimeTrust Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
1 Year Certificate
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
No rate bump available
PrimeTrust Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA Certificate - 1 Year
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
not eligible for Direct Deposit discount
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
12 Month Certificate
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 1.08% above avg
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
12 months (1 year)
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Certificates over $20,000
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
12 months (1 year) ($500)
$500
4.00%
▲ 1.08% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Certificates $500 to $20,000
Fire Police City County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Certificates - 12 months
$0
4.00%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Special
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Share Certificate - 12 months
$0
4.00%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Under $50,000; Dividends Paid at Maturity
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Share Certificate - 12 months ($50,000 & up)
$0
4.00%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Dividends Paid Monthly
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Share Certificate - 12 months (Under $50,000)
$0
4.00%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Dividends Paid at Maturity
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
12 Month Certificate
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
*Dividend Rate **APY
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
12 Month Certificate
$500
4.00%
▲ 1.08% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
12 MONTH IRA
$500
4.00%
▲ 1.08% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
IRA may be assessed an Annual Fee, Transfer Fee, and Termination Fee.
Diamond Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
1 Year Certificate
$0
3.95%
▲ 1.03% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.03% above avg
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
12 Month Share Certificates
$0
3.92%
▲ 1.00% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.92%▲ 1.00% above avg
Details
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
12 Month Certificate
$0
3.91%
▲ 0.99% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.99% above avg
Details
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
12 Month Youth Share Certificates
$0
3.91%
▲ 0.99% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.99% above avg
Details
Fortress Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
12 Month Certificate
$1,000
3.87%
▲ 0.95% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 0.95% above avg
Details
South Bend Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
12 Month Certificate
$1,000
3.87%
▲ 0.95% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.95% above avg
Details
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Savers Certificate - 12 Months
$50
3.87%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.95% above avg
Details
Rate: T-Bill + 0.00%
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
12 Month Share Certificates
$0
3.87%
▲ 0.95% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.95% above avg
Details
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
12 Month Certificate - 12 Months ($1,000.00)
$1,000
3.85%
▲ 0.93% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.93% above avg
Details
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
12 Month Certificate - 12 Months ($500.00)
$500
3.85%
▲ 0.93% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.93% above avg
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
12 Month Certificate
$0
3.80%
▲ 0.88% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.88% above avg
Details
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
12 Month Share Certificates
$0
3.80%
▲ 0.88% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.88% above avg
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
12 Month Certificate
$0
3.80%
▲ 0.88% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.88% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
12-MONTH CD
$500
3.80%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.88% above avg
Details
New Money Required; Offer subject to change or cancellation at any time without notice.
PROFINANCE
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
CD Special 12 Month
$5,000
3.80%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.88% above avg
Details
NEW MONEY ONLY
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
12 Month CD
$500
3.75%
▲ 0.83% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.92%▲ 0.83% above avg
Details
Community State Bank Brook, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
Special 12 Month CD
$0
3.75%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12-Month Certificate
$500
3.75%
▲ 0.83% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Premier Member Rate
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
12 Month Certificates
$0
3.75%
▲ 0.83% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Fire Police City County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Certificates - 12 months
$0
3.70%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.78% above avg
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
IRA Certificate of Deposit - 12 Month
$0
3.70%
▲ 0.78% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.78% above avg
Details
Over $50,000
First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
12-month CD
$0
3.67%
▲ 0.75% above national avg
▼
Rate3.61%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.92%▲ 0.75% above avg
Details
Early Withdrawal Penalties: 180 days interest
First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
Business 12-month CD
$0
3.67%
▲ 0.75% above national avg
▼
Rate3.61%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.92%▲ 0.75% above avg
Details
Early Withdrawal Penalties: 180 days interest
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
IRA Certificate of Deposit - 12 Month
$0
3.60%
▲ 0.68% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.68% above avg
Details
Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
12 Month Fixed Rate CD
$0
3.56%
▲ 0.64% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.92%▲ 0.64% above avg
Details
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
12 Month Certificate
$500
3.55%
▲ 0.63% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.63% above avg
Details
Independent Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.07%
1 Year CD Minimum
$0
3.55%
▲ 0.63% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.63% above avg
Details
$500
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
12 Month Certificate
$0
3.55%
▲ 0.63% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.63% above avg
Details
Dubois-Pike Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
12 Month Share Certificates
$1,000
3.54%
▲ 0.62% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.62% above avg
Details
Payable Monthly. Membership savings account required. Not eligible for online opening. APY effective 7-18-2025 and subject to change at any time. Penalty for early withdrawal. Non-renewable.
Eastern Indiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
Roth 12 Month IRA Certificate
$500
3.53%
▲ 0.61% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 0.61% above avg
Details
Jamestown 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18-Month CD
$1,000
4.40%
▲ 1.58% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 1.58% above avg
Details
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificate - 18 Month Term
$0
4.25%
▲ 1.43% above national avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.43% above avg
Details
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
18 Month Term IRA
$0
4.24%
▲ 1.42% above national avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.42% above avg
Details
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
18 Month Certificate
$0
4.15%
▲ 1.33% above national avg
▼
Rate4.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.33% above avg
Details
*Dividend Rate **APY
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
18 Month Certificate
$1,000
4.05%
▲ 1.23% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.82%▲ 1.23% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
18 Month Certificate
$500
4.00%
▲ 1.18% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
18 MONTH IRA
$500
4.00%
▲ 1.18% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
IRA may be assessed an Annual Fee, Transfer Fee, and Termination Fee.
Eastern Indiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
Roth 18 Month IRA Certificate
$500
3.89%
▲ 1.07% above national avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.07% above avg
Details
Eastern Indiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
Traditional 18 Month IRA Certificate
$500
3.89%
▲ 1.07% above national avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.07% above avg
Details
Citizens Bank Mooresville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
IRA -- 18 Months
$50
3.87%
▲ 1.05% above national avg
▼
Rate3.80%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.82%▲ 1.05% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
18 Month Certificates
$0
3.80%
▲ 0.98% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.98% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
IRA CD Specials - 18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
IRA CD Specials - 18-month term - 18 months
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
18 Month Share Certificates
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.73% above avg
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
18 Month Certificate
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.73% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Traditional 18-Month IRA Certificate
$500
3.50%
▲ 0.68% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.68% above avg
Details
Non-premier member rate: 3.25% APY | 3.20% Dividend Rate; Traditional & Roth Certificates Rates
Indiana Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
18 Month Certificate
$500
3.50%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.68% above avg
Details
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
18 Month Share Certificates - $200 - $4999
$0
3.49%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.67% above avg
Details
Penalty: 6 Month
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
18 Month Share Certificates - $5000 +
$0
3.49%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.67% above avg
Details
Penalty: 6 Month
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
18 Month Flexible
$500
3.44%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.62% above avg
Details
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Share Certificates - 18 Months
$0
3.40%
▲ 0.58% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 0.58% above avg
Details
First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
18-month CD
$0
3.38%
▲ 0.56% above national avg
▼
Rate3.33%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.82%▲ 0.56% above avg
Details
Early Withdrawal Penalties: 180 days interest
First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
Business 18-month CD
$0
3.38%
▲ 0.56% above national avg
▼
Rate3.33%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.82%▲ 0.56% above avg
Details
Early Withdrawal Penalties: 180 days interest
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Traditional certificate terms
$100,000
3.30%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.48% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
18 Month Traditional certificate terms
$100,000
3.30%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.48% above avg
Details
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
18 Month Certificates
$10,000
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.48% above avg
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
18 Month Certificate
$0
3.29%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.47% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
18 Month CD - Certificates of Deposit
$0
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.43% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
18 Month Certificates of Deposit
$1,000
3.25%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.43% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 18 Month
$0
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.43% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 18 Month
$1,000
3.25%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.43% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Traditional certificate terms
$500
3.25%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.43% above avg
Details
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
18 Month Certificate Special
$1,000
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.43% above avg
Details
(a,b)
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18-Month Certificate
$500
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.43% above avg
Details
Premier Member Rate
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Traditional 18-Month IRA Certificate
$500
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.43% above avg
Details
Premier Member rate: 3.50% APY | 3.44% Dividend Rate; Traditional & Roth Certificates Rates
Haynes Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
18 Month Share Certificate
$0
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.43% above avg
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
18 Month Certificate ($1,000)
$1,000
3.25%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.43% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
18 Month Traditional certificate terms
$500
3.25%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.43% above avg
Details
Evansville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
18 Month Certificate
$1,000
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.43% above avg
Details
Evansville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
18 Month IRA Certificate
$1,000
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.43% above avg
Details
Hoosier United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
18 Month Certificate
$0
3.23%
▲ 0.41% above national avg
▼
Rate3.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.41% above avg
Details
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
18 Month Special
$500
3.10%
▲ 0.28% above national avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.82%▲ 0.28% above avg
Details
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18 Month IRA Certificate
$2,500
3.09%
▲ 0.27% above national avg
▼
Rate3.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.27% above avg
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
18 Month Certificate
$0
3.09%
▲ 0.27% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.27% above avg
Details
Certificates over $20,000
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate
$15,000
3.05%
▲ 0.23% above national avg
▼
Rate3.01%
Min Deposit$15,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.23% above avg
Details
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18 Month Term Certificate of Deposit
$1,000
3.04%
▲ 0.22% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.22% above avg
Details
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
18 Month Certificates
$500
3.04%
▲ 0.22% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.22% above avg
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
18 Month Certificate
$500
3.03%
▲ 0.21% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.21% above avg
Details
Certificates $500 to $20,000
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18-Month Business Certificate
$500
3.00%
▲ 0.18% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.18% above avg
Details
Jamestown 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
24-Month IRA
$0
4.34%
▲ 1.50% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.50% above avg
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
24-Month CD
$1,000
4.20%
▲ 1.36% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.36% above avg
Details
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
24 Month Certificate
$100,000
4.15%
▲ 1.31% above national avg
▼
Rate4.07%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.31% above avg
Details
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Savers Certificate - 24 Months
$50
4.13%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.29% above avg
Details
Rate: T-Bill + 0.25%
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
24 Month Share Certificates
$0
4.08%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.24% above avg
Details
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
24 Month Certificate
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.84%▲ 1.16% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
24 Month CD Special
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.16% above avg
Details
**
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2 Year IRA Certificate
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
24 Month Certificate
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
24 Month Certificate
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
24 MONTH IRA
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
IRA may be assessed an Annual Fee, Transfer Fee, and Termination Fee.
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
24 Month Advantage
$2,500
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
(a,b,c)
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
24 Month IRA CD
$500
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
(a)
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
24 Month Certificates
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Roth Executive
$100,000
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Traditional Executive
$100,000
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year Roth Executive IRA Certificate
$100,000
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year Traditional Executive IRA Certificate
$100,000
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24 Month CD - Certificates of Deposit
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24 Month Certificates of Deposit
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 24 Month
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 24 Month
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 24-Month
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Dubois-Pike Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
24 Month Share Certificates
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Payable Monthly. Membership savings account required. Not eligible for online opening. APY effective 7-18-2025 and subject to change at any time. Penalty for early withdrawal. Non-renewable.
Fire Police City County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Certificates - 2 years
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Roth Premier
$10,000
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Traditional Premier
$10,000
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year Roth Premier IRA Certificate
$10,000
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year Traditional Premier IRA Certificate
$10,000
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
24-MONTH CD
$2,500
3.70%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
New Money Required; Offer subject to change or cancellation at any time without notice.
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
24 Month Certificate
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.81% above avg
Details
*Dividend Rate **APY
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
24 Month Regular
$500
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.76% above avg
Details
(a)
Allegius Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
Share Certificates - 24 Months Special
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.76% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Roth
$500
3.60%
▲ 0.76% above national avg
▼
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.76% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Traditional
$500
3.60%
▲ 0.76% above national avg
▼
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.76% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year Roth IRA Certificate
$500
3.60%
▲ 0.76% above national avg
▼
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.76% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year Traditional IRA Certificate
$500
3.60%
▲ 0.76% above national avg
▼
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.76% above avg
Details
South Bend Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
24 Month Certificate
$1,000
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.72% above avg
Details
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
24 Month Certificates
$10,000
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.72% above avg
Details
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
2 Year / 2 Option
$500
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.71% above avg
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
24 Month Share Certificates
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.71% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Traditional 24-Month IRA Certificate
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.66% above avg
Details
Non-premier member rate: 3.25% APY | 3.20% Dividend Rate; Traditional & Roth Certificates Rates
Haynes Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
24 Month Share Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.66% above avg
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month Share Certificate - 24 months
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.66% above avg
Details
Under $50,000; Dividends Paid at Maturity
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month Share Certificate - 24 months ($50,000 & up)
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.66% above avg
Details
Dividends Paid Monthly
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month Share Certificate - 24 months (Under $50,000)
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.66% above avg
Details
Dividends Paid at Maturity
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
24 Month Share Certificates
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.66% above avg
Details
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
24 Month Share Certificates - $200 - $4999
$0
3.49%
▲ 0.65% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.65% above avg
Details
Penalty: 6 Month
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
24 Month Share Certificates - $5000 +
$0
3.49%
▲ 0.65% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.65% above avg
Details
Penalty: 6 Month
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
24 Month Soaring
$500
3.46%
▲ 0.62% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.62% above avg
Details
Special Certificate
Jamestown 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
36-Month CD
$1,000
4.20%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 1.43% above avg
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
36 Month Share Certificates
$0
4.13%
▲ 1.36% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 1.36% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
36 Month Certificate
$500
4.10%
▲ 1.33% above national avg
▼
Rate4.02%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.33% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
36 MONTH IRA
$500
4.10%
▲ 1.33% above national avg
▼
Rate4.02%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.33% above avg
Details
IRA may be assessed an Annual Fee, Transfer Fee, and Termination Fee.
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
36 Month CD Special
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.77%▲ 1.23% above avg
Details
**
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
36 Month Advantage
$2,500
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details
(a,b,c)
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
36 Month IRA CD
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details
(a)
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
36 Month Certificates
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
36 Month Certificate
$1,000
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.77%▲ 1.08% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
Dubois-Pike Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
36 Month Share Certificates
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Payable Monthly. Membership savings account required. Not eligible for online opening. APY effective 7-18-2025 and subject to change at any time. Penalty for early withdrawal. Non-renewable.
Fire Police City County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Certificates - 3 years
$0
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month CD - Certificates of Deposit
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month Certificates of Deposit
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 36 Month
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 36 Month
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 36-Month
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
36 Month Regular
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
(a)
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
36 Month Share Certificates
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.83% above avg
Details
South Bend Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
36 Month Certificate
$1,000
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.79% above avg
Details
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
36 Month Certificates
$10,000
3.56%
▲ 0.79% above national avg
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.79% above avg
Details
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
36 Month Certificate
$500
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year IRA Certificates - Roth Executive
$100,000
3.55%
▲ 0.78% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year IRA Certificates - Traditional Executive
$100,000
3.55%
▲ 0.78% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year Roth Executive IRA Certificate
$100,000
3.55%
▲ 0.78% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year Traditional Executive IRA Certificate
$100,000
3.55%
▲ 0.78% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
36 Month Share Certificates - $200 - $4999
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
Penalty: 6 Month
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
36 Month Share Certificates - $5000 +
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
Penalty: 6 Month
CF Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
36 Month term
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.73% above avg
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
36 Month IRA CD min
$20,000
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$20,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 0.73% above avg
Details
$20,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
36 Month min.
$10,000
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 0.73% above avg
Details
$10,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
36 Month Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.73% above avg
Details
*Dividend Rate **APY
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3 Year Share Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.73% above avg
Details
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA Traditional 36 months
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.73% above avg
Details
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Traditional certificate terms
$100,000
3.45%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.68% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
36 Month Traditional certificate terms
$100,000
3.45%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.68% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year IRA Certificates - Roth Premier
$10,000
3.45%
▲ 0.68% above national avg
▼
Rate3.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.68% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year IRA Certificates - Traditional Premier
$10,000
3.45%
▲ 0.68% above national avg
▼
Rate3.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.68% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year Roth Premier IRA Certificate
$10,000
3.45%
▲ 0.68% above national avg
▼
Rate3.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.68% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year Traditional Premier IRA Certificate
$10,000
3.45%
▲ 0.68% above national avg
▼
Rate3.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.68% above avg
Details
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Traditional certificate terms
$500
3.40%
▲ 0.63% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.63% above avg
Details
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Share Certificates - 36 Months
$0
3.40%
▲ 0.63% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 0.63% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
36 Month Traditional certificate terms
$500
3.40%
▲ 0.63% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.63% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year IRA Certificates - Roth
$500
3.35%
▲ 0.58% above national avg
▼
Rate3.29%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.58% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year IRA Certificates - Traditional
$500
3.35%
▲ 0.58% above national avg
▼
Rate3.29%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.58% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year Roth IRA Certificate
$500
3.35%
▲ 0.58% above national avg
▼
Rate3.29%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.58% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year Traditional IRA Certificate
$500
3.35%
▲ 0.58% above national avg
▼
Rate3.29%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.58% above avg
Details
First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
36-month CD
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.77%▲ 0.53% above avg
Details
Early Withdrawal Penalties: 360 days interest
First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
Business 36-month CD
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.77%▲ 0.53% above avg
Details
Early Withdrawal Penalties: 360 days interest
Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
36 Month CD
$500
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.77%▲ 0.53% above avg
Details
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
36 Month IRA Certificate
$2,500
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.53% above avg
Details
Jamestown 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
48-Month CD
$1,000
4.20%
▲ 1.42% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.78%▲ 1.42% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
48 Month Certificate
$500
4.15%
▲ 1.37% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.37% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
48 MONTH IRA
$500
4.15%
▲ 1.37% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.37% above avg
Details
IRA may be assessed an Annual Fee, Transfer Fee, and Termination Fee.
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
48 Month Certificates
$0
3.95%
▲ 1.17% above national avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.17% above avg
Details
Fire Police City County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Certificates - 4 years
$0
3.85%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month CD - Certificates of Deposit
$0
3.75%
▲ 0.97% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month Certificates of Deposit
$1,000
3.75%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 48 Month
$0
3.75%
▲ 0.97% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 48 Month
$1,000
3.75%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 48-Month
$1,000
3.75%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
48 Month IRA CD min
$20,000
3.75%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$20,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 0.97% above avg
Details
$20,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
48 Month min.
$10,000
3.75%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 0.97% above avg
Details
$10,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
48 Month Certificate
$1,000
3.70%
▲ 0.92% above national avg
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.78%▲ 0.92% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
48 Month Share Certificates
$0
3.65%
▲ 0.87% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
48 Month Share Certificates - $200 - $4999
$0
3.60%
▲ 0.82% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.82% above avg
Details
Penalty: 6 Month
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
48 Month Share Certificates - $5000 +
$0
3.60%
▲ 0.82% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.82% above avg
Details
Penalty: 6 Month
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
48 Month Certificates
$10,000
3.56%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.78% above avg
Details
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
48 Month Certificate
$500
3.55%
▲ 0.77% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.77% above avg
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
48 Month Certificate
$0
3.55%
▲ 0.77% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.77% above avg
Details
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Traditional certificate terms
$100,000
3.50%
▲ 0.72% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Share Certificates - 48 Months
$0
3.50%
▲ 0.72% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.78%▲ 0.72% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
48 Month Traditional certificate terms
$100,000
3.50%
▲ 0.72% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
48 Month Certificate
$0
3.50%
▲ 0.72% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
*Dividend Rate **APY
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
4 Year Share Certificate
$0
3.50%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA Traditional 48 months
$0
3.50%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
48-month CD
$0
3.45%
▲ 0.67% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.78%▲ 0.67% above avg
Details
Early Withdrawal Penalties: 360 days interest
First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
Business 48-month CD
$0
3.45%
▲ 0.67% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.78%▲ 0.67% above avg
Details
Early Withdrawal Penalties: 360 days interest
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Traditional certificate terms
$500
3.45%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.67% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
48 Month Traditional certificate terms
$500
3.45%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.67% above avg
Details
Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
48 Month CD
$500
3.41%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.78%▲ 0.63% above avg
Details
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
48 Month IRA Certificate
$2,500
3.40%
▲ 0.62% above national avg
▼
Rate3.35%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.62% above avg
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
48 Month Certificate
$0
3.39%
▲ 0.61% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.61% above avg
Details
Dubois-Pike Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
48 Month Share Certificates
$1,000
3.39%
▲ 0.61% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.61% above avg
Details
Payable Monthly. Membership savings account required. Not eligible for online opening. APY effective 7-18-2025 and subject to change at any time. Penalty for early withdrawal. Non-renewable.
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
48 Month Term Certificate of Deposit
$1,000
3.35%
▲ 0.57% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.57% above avg
Details
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
48 Month IRA Certificate
$500
3.30%
▲ 0.52% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.52% above avg
Details
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
48 Month Certificates
$500
3.30%
▲ 0.52% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.52% above avg
Details
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
48 month cd
$0
3.29%
▲ 0.51% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.78%▲ 0.51% above avg
Details
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
48 Month Certificate of Deposit
$1,000
3.29%
▲ 0.51% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.78%▲ 0.51% above avg
Details
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
48 Month Fixed Rate IRA Certificate
$1,000
3.29%
▲ 0.51% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.78%▲ 0.51% above avg
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
48 Month Certificate
$0
3.29%
▲ 0.51% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.51% above avg
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
4 Year Certificate - 4 Years ($1,000)
$1,000
3.25%
▲ 0.47% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.47% above avg
Details
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
48 Month Certificate
$500
3.25%
▲ 0.47% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.47% above avg
Details
Indiana Heartland Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.84%
48 Month Certificate
$500
3.10%
▲ 0.32% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.32% above avg
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
48 Month Certificate
$0
3.09%
▲ 0.31% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.31% above avg
Details
Certificates over $20,000
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate
$15,000
3.05%
▲ 0.27% above national avg
▼
Rate3.01%
Min Deposit$15,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.27% above avg
Details
SOLIDARITY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
48 Month Certificate
$0
3.05%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.27% above avg
Details
Evansville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
4 Year IRA Certificate
$1,000
3.04%
▲ 0.26% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.26% above avg
Details
Evansville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
4 Year Certificate
$1,000
3.04%
▲ 0.26% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.26% above avg
Details
Diamond Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4 Year Certificate
$0
3.03%
▲ 0.25% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.25% above avg
Details
**
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
4 Year Certificate
$500
3.03%
▲ 0.25% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.25% above avg
Details
Certificates $500 to $20,000
Jamestown 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
60-Month CD
$1,000
4.20%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.86%▲ 1.34% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
60 Month Certificate
$500
4.20%
▲ 1.34% above national avg
▼
Rate4.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.34% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
60 MONTH IRA
$500
4.20%
▲ 1.34% above national avg
▼
Rate4.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.34% above avg
Details
IRA may be assessed an Annual Fee, Transfer Fee, and Termination Fee.
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
60 Month IRA CD min
$20,000
4.00%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$20,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 1.14% above avg
Details
$20,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
60 Month min.
$10,000
4.00%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 1.14% above avg
Details
$10,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
60 Month Certificates
$0
4.00%
▲ 1.14% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
5 Year Share Certificate
$0
4.00%
▲ 1.14% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA Traditional 60 months
$0
4.00%
▲ 1.14% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details
Fire Police City County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Certificates - 5 years +
$0
3.85%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.99% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month CD - Certificates of Deposit
$0
3.75%
▲ 0.89% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month Certificates of Deposit
$1,000
3.75%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 60 Month
$0
3.75%
▲ 0.89% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 60 Month
$1,000
3.75%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 60-Month
$1,000
3.75%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
60 Month Share Certificates
$0
3.70%
▲ 0.84% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.84% above avg
Details
Bank of Wolcott
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
60 Month IRA
$1,000
3.60%
▲ 0.74% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.74% above avg
Details
Compounding Frequency: Quarterly
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year IRA Certificates - Roth Executive
$100,000
3.60%
▲ 0.74% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.74% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year IRA Certificates - Traditional Executive
$100,000
3.60%
▲ 0.74% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.74% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year Roth Executive IRA Certificate
$100,000
3.60%
▲ 0.74% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.74% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year Traditional Executive IRA Certificate
$100,000
3.60%
▲ 0.74% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.74% above avg
Details
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
60 Month Share Certificates - $500 - $4999
$0
3.60%
▲ 0.74% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.74% above avg
Details
Penalty: 6 Month
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
60 Month Share Certificates - $5000 +
$0
3.60%
▲ 0.74% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.74% above avg
Details
Penalty: 6 Month
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
60 Month Certificates
$10,000
3.56%
▲ 0.70% above national avg
▼
Rate3.50%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.70% above avg
Details
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
60 Month Certificate
$1,000
3.55%
▲ 0.69% above national avg
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.86%▲ 0.69% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
60 Month CD
$0
3.55%
▲ 0.69% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.86%▲ 0.69% above avg
Details
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
60 Month Certificate of Deposit
$1,000
3.55%
▲ 0.69% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.86%▲ 0.69% above avg
Details
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
60 Month Fixed Rate IRA Certificate
$1,000
3.55%
▲ 0.69% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.86%▲ 0.69% above avg
Details
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Traditional certificate terms
$100,000
3.55%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.69% above avg
Details
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
60 Month Certificate
$500
3.55%
▲ 0.69% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.69% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
60 Month Traditional certificate terms
$100,000
3.55%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.69% above avg
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
60 Month Certificate
$0
3.55%
▲ 0.69% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.69% above avg
Details
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
60 Month IRA Certificate
$2,500
3.51%
▲ 0.65% above national avg
▼
Rate3.45%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.65% above avg
Details
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Traditional certificate terms
$500
3.50%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
CF Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
60 Month term
$0
3.50%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Share Certificates - 60 Months
$0
3.50%
▲ 0.64% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.86%▲ 0.64% above avg
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
5 Year Certificate - 5 Years ($1,000)
$1,000
3.50%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
5 Year IRA (Traditional/Roth) - 5 Years ($1,000)
$1,000
3.50%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
IRA share certificates have a minimum balance of $1,000.00 and are available in terms 6 months thru 5 years.
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
60 Month Traditional certificate terms
$500
3.50%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year IRA Certificates - Roth Premier
$10,000
3.50%
▲ 0.64% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year IRA Certificates - Traditional Premier
$10,000
3.50%
▲ 0.64% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year Roth Premier IRA Certificate
$10,000
3.50%
▲ 0.64% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year Traditional Premier IRA Certificate
$10,000
3.50%
▲ 0.64% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
60 Month Liquid IRA
$0
3.50%
▲ 0.64% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
*Dividend Rate **APY
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
60 Month Certificate
$0
3.49%
▲ 0.63% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.63% above avg
Details
Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
60 Month CD
$500
3.46%
▲ 0.60% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.86%▲ 0.60% above avg
Details
First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
60-month CD
$0
3.45%
▲ 0.59% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.86%▲ 0.59% above avg
Details
Early Withdrawal Penalties: 360 days interest
First Internet Bank of Indiana
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
Business 60-month CD
$0
3.45%
▲ 0.59% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.86%▲ 0.59% above avg
Details
Early Withdrawal Penalties: 360 days interest
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
60 Month Term Certificate of Deposit
$1,000
3.45%
▲ 0.59% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.59% above avg
Details
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
60 Month IRA Certificate
$500
3.41%
▲ 0.55% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.55% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year IRA Certificates - Roth
$500
3.40%
▲ 0.54% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.54% above avg
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Jamestown, IN CD Rate Trends
Compare local Jamestown, 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
2.921%
▲ 0.081 vs 7 days ago
Indiana 12-month CD rates rose 0.081 points over the past 7 days to 2.921% APY.
6-Month CD IN Avg
2.746%
▲ 0.076 vs 7 days ago
Indiana 6-month CD rates rose 0.076 points over the past 7 days to 2.746% APY.
As of Sep 16, 2026 • Rate data sourced from 8,500+ monitored institutions
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IN CD Rate Forecast, Next 12 Months
Where are Indiana CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IN 12-Month Avg APY
2.921%
6-Month Forecast
2.921%
Range: 2.72% – 3.07%
12-Month Forecast
3.171%
Range: 2.97% – 3.32%
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What Your Savings Earn at IN CD Rates Today
Annual interest earnings at today’s Indiana average APYs. State average used where available; national average as fallback.
| CD Term | IN Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.043% | $102.14 | $204.28 | $510.70 | $1,021.40 |
| 6-Month CD | 2.746% | $137.27 | $274.55 | $686.37 | $1,372.75 |
| 12-Month CD | 2.921% | $146.06 | $292.11 | $730.28 | $1,460.55 |
| 18-Month CD | 2.824% | $141.19 | $282.38 | $705.95 | $1,411.90 |
| 24-Month CD | 2.843% | $142.16 | $284.32 | $710.80 | $1,421.60 |
| 36-Month CD | 2.765% | $138.26 | $276.52 | $691.30 | $1,382.60 |
| 48-Month CD | 2.778% | $138.91 | $277.82 | $694.55 | $1,389.10 |
| 60-Month CD | 2.858% | $142.91 | $285.81 | $714.53 | $1,429.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 16, 2026. | |||||
Sample CD Ladder for Jamestown, 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 | 2.043% | $102.14 |
| 2 | 6-Month CD | $5,000 | 2.746% | $137.27 |
| 3 | 12-Month CD | $5,000 | 2.921% | $146.06 |
| 4 | 24-Month CD | $5,000 | 2.843% | $142.16 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.26 |
| Total ($25,000 invested) | $25,000 | 2.664% blended | $665.89/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.
1,071
CD Rates
Tracked in Jamestown, Indiana
Tracked in Jamestown, Indiana
32 Banks
71 Credit Unions
About Our Jamestown, Indiana CD Rate Database
MonitorBankRates tracks 1,071 CD rates from 32 banks and 71 credit unions with locations in Jamestown, Indiana, plus national online institutions available to Indiana residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Midwest Family Federal Credit Union offers a CD at 4.59% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Jamestown, Indiana.
How to Find the Best CD Rates in Jamestown, Indiana
What to compare when shopping for a CD in Jamestown, Indiana
To find the best APYs in Jamestown, Indiana, start with credit unions and online-only banks: Jamestown, Indiana has 71 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 Jamestown, 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 Jamestown, Indiana: 103 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Jamestown, 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 Jamestown, Indiana money market rates
Jamestown, Indiana Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
16.3%
National avg: 17.3%
Median Individual Earnings
$42,143
National avg: $47,340
Poverty Rate
7.0%
National avg: 11.1%
Unemployment Rate
4.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$123/yr
At IN 12-mo avg 2.921% APY
16.3% of residents are 65 or older, below the national average of 17.3%. At today’s IN 12-month CD average of 2.921%, saving 10% of the local median salary ($4,214/year) and putting it in a CD would earn an additional $123 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Jamestown, Indiana
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Jamestown, 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 Jamestown, 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 Jamestown, Indiana as everywhere in the U.S.
Choosing a CD Term in Jamestown, 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 Jamestown, Indiana savers easier access to their funds. For example, Midwest Family Federal Credit Union is offering its LOYALTY CERTIFICATE PROMO: 6 MONTHS at 4.59% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, United Fidelity Bank is offering its 60-Month CD at 4.20% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Jamestown, 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 Jamestown, 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 Jamestown, 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 Jamestown, 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 Jamestown, Indiana
Most CDs carry a fixed rate that is locked for the entire term, protecting a Jamestown, 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 Jamestown, Indiana
Are CD rates in Jamestown, Indiana FDIC insured?
Yes, most established banks in Jamestown, 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 Jamestown, 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 Jamestown, 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 Jamestown, 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 Jamestown, Indiana?
Here are recent top rates found for this area:
- Midwest Family Federal Credit Union: 4.59% APY (LOYALTY CERTIFICATE PROMO: 6 MONTHS)
- Fort Financial Federal Credit Union: 4.50% APY (Traditional 12-Month IRA Certificate)
- Indiana University Credit Union: 4.50% APY (6-month paid monthly)
- United Fidelity Bank: 4.40% APY (12-Month CD)
- Chicago Patrolmens Federal Credit Union: 4.34% APY (24-Month IRA)
- Elements Financial Federal Credit Union: 4.25% APY (Share Certificate - 18 Month Term)
- CHIPHONE: 4.20% APY (60 Month Certificate)
- Communitywide Federal Credit Union: 4.15% APY (6 Month Certificate)
- Forum Credit Union: 4.15% APY (18 Month Certificate)
- Centra Credit Union: 4.15% APY (24 Month Certificate)
Rates reflect recent verified offers available in Jamestown, Indiana. Last Updated: September 16, 2026
Jamestown, 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 Jamestown, Indiana rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Jamestown, Indiana
Jamestown, Indiana CD Calculator
At today’s IN top rate of 4.59% APY, a $10,000 deposit earns $459 in the first year. Enter your amount to see your exact return.
Jamestown, Indiana CD LadderIN CD rates currently range from 2.043% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Jamestown, Indiana CD at 4.59% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsIndiana’s average 12-month CD is 2.921% 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 Jamestown, 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 Jamestown, 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 Jamestown, Indiana. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in IN.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 16, 2026
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