New Haven, Indiana Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
New Haven, Indiana CD rates range from 0.01% to 5.09% APY, verified by MonitorBankRates as of October 23, 2026. Current New Haven, Indiana CD rates include Flagstar Bank, National AssociationFlagstar Bank, National Association1536 State Road 930 E, New Haven, IN 46774D3.3 ★Texas Ratio: 35.11%Real return: +0.60%APY minus CPIRate verified Oct 22, 2026 offering 12-Month Business CD at 4.30% APY, First Merchants BankFirst Merchants Bank11075 Isabelle Dr, New Haven, IN 46774A+5.0 ★Texas Ratio: 4.12%Real return: +0.55%APY minus CPIRate verified Oct 22, 2026 offering 24 Month CD/IRA Special at 4.25% APY, Summit Choice Federal Credit UnionSummit Choice Federal Credit Union104 Lincoln Hwy W, New Haven, IN 46774 2158A+5.0 ★Texas Ratio: 3.65%Real return: +0.50%APY minus CPIRate verified Oct 23, 2026 offering Certificate - 5 years + at 4.20% APY, ProFed Federal Credit UnionProFed Federal Credit Union502 Henry St, New Haven, IN 46774 1438A+5.0 ★Texas Ratio: 2.42%Real return: +0.45%APY minus CPIRate verified Oct 23, 2026 offering 6 Month Certificate at 4.15% APY, and Three Rivers Federal Credit UnionThree Rivers Federal Credit Union10915 Isabelle Dr, New Haven, IN 46774 2000A5.0 ★Texas Ratio: 6.39%Real return: +0.05%APY minus CPIRate verified Oct 23, 2026 offering 12 Month Certificate at 3.75% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
New Haven has 104 local institutions in our database, with CD rates as high as 4.30% APY from Flagstar Bank, National Association at 1536 State Road 930 E, New Haven, IN 46774. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Indiana area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 23, 2026
Compare Best CD Rates in New Haven, Indiana & the Surrounding Area
New Haven 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
10915 Isabelle Dr, New Haven, IN 46774 2000
3 Month Certificate
$500
2.50%
▲ 0.87% above Indiana avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 0.87% above avgNationally 2.13%
Details
Early withdrawal penalty: equivalent of 30 days' dividends
Rate History
1 change since Sep 20, 2026 · 2.00% → 2.50% ▲ 0.50 pts · high 2.50% / low 2.00%
- Oct 15, 20262.50%▲ from 2.00%
- Sep 20, 20262.00%first recorded
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
502 Henry St, New Haven, IN 46774 1438
3 Month Certificate
$500
2.00%
▲ 0.37% above Indiana avg
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 0.37% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
Certificate of Deposit - 3 Months
$1,000
0.03%
▼ 1.60% below Indiana avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average1.63%▼ 1.60% below avgNationally 2.13%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
Certificate of Deposit - 3 Months
$1,000
0.02%
▼ 1.61% below Indiana avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average1.63%▼ 1.61% below avgNationally 2.13%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
Certificate of Deposit - 3 Months
$1,000
0.01%
▼ 1.62% below Indiana avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average1.63%▼ 1.62% below avgNationally 2.13%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 3 Months
$500
4.08%
▲ 2.45% above Indiana avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 2.45% above avgNationally 2.13%
Details
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rate History
No change since Oct 15, 2026 · 4.08% APY · checked 2 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3 Month Share Certificates
$0
4.06%
▲ 2.43% above Indiana avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 2.43% above avgNationally 2.13%
Details
***SPECIAL*** for $250K+ balances
Rate History
No change since Oct 9, 2026 · 4.06% APY · checked 3 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Share Certificate - 3 Months SPECIAL
$500
4.06%
▲ 2.43% above Indiana avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 2.43% above avgNationally 2.13%
Details
$250K +; Special rate for balances $250K+
Rate History
No change since Oct 15, 2026 · 4.06% APY · checked 2 times
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
Fixed Rate CD - 3 Month
$1,000
3.82%
▲ 2.19% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average1.63%▲ 2.19% above avgNationally 2.13%
Details
Must maintain minimum balance of $1000 every day to earn APY; Penalty may be imposed for early withdrawal; APY accurate as of 09/17/2026; Open Fixed Rate CD online
Rate History
No change since Oct 7, 2026 · 3.82% APY · checked 3 times
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Certificates of Deposit - 3 Month
$500
3.76%
▲ 2.13% above Indiana avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 2.13% above avgNationally 2.13%
Details
Rates effective as of 2/9/2026
Rate History
No change since Oct 15, 2026 · 3.76% APY · checked 2 times
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3 Month Certificates
$0
3.65%
▲ 2.02% above Indiana avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.63%▲ 2.02% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Community First Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 13.92%
3 Month Standard CD
$1,000
3.60%
▲ 1.97% above Indiana avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average1.63%▲ 1.97% above avgNationally 2.13%
Details
APY effective as of 10/6/2026; Early withdrawal may be subject to penalty
Rate History
No change since Oct 21, 2026 · 3.60% APY
American Community Bank of Indiana
Institution Rating:
B-4.3 ★Texas Ratio: 22.89%
SPECIAL: 3 Month Certificate of Deposit
$0
3.55%
▲ 1.92% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average1.63%▲ 1.92% above avgNationally 2.13%
Details
APYs effective as of 09-24-2026; Rates fixed at time of deposit; Penalty may apply for withdrawal before maturity
Rate History
No change since Sep 7, 2026 · 3.55% APY · checked 11 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3 Month Youth Share Certificate
$50
3.55%
▲ 1.92% above Indiana avg
▼
Rate3.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 1.92% above avgNationally 2.13%
Details
Available to members ages 17 & younger; Maximum original principal balance of $5,000; Youth Share Certificate: $50 minimum balance required
Rate History
No change since Oct 5, 2026 · 3.55% APY · checked 5 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Youth Share Certificates - 3 Months
$0
3.55%
▲ 1.92% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 1.92% above avgNationally 2.13%
Details
Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Share Certificate - 3 Months
$0
3.55%
▲ 1.92% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.63%▲ 1.92% above avgNationally 2.13%
Details
Balance: $50,000 & Over
Rate History
No change since Oct 19, 2026 · 3.55% APY
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
3 Mo. Certificate
$1,000
3.51%
▲ 1.88% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.63%▲ 1.88% above avgNationally 2.13%
Details
Dividends compounded monthly
Rate History
1 change since Sep 18, 2026 · 3.04% → 3.51% ▲ 0.47 pts · high 3.51% / low 3.04%
- Oct 14, 20263.51%▲ from 3.04%
- Sep 18, 20263.04%first recorded
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3 Month Share Certificates
$0
3.44%
▲ 1.81% above Indiana avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 1.81% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 6 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Share Certificate - 3 Months
$500
3.44%
▲ 1.81% above Indiana avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 1.81% above avgNationally 2.13%
Details
Rate History
No change since Oct 15, 2026 · 3.44% APY · checked 2 times
First Internet Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
3 Month Certificate of Deposit
$0
3.40%
▲ 1.77% above Indiana avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average1.63%▲ 1.77% above avgNationally 2.13%
Details
Interest compounded monthly; early withdrawal penalty of 90 days worth of interest; automatically renews for same term with 10-day grace period
Rate History
1 change since Sep 9, 2026 · 3.14% → 3.40% ▲ 0.26 pts · high 3.40% / low 3.14%
- Oct 22, 20263.40%▲ from 3.14%
- Sep 9, 20263.14%first recorded
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
3 Month Renewal CD
$0
3.40%
▲ 1.77% above Indiana avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average1.63%▲ 1.77% above avgNationally 2.13%
Details
Renewal rate; Book Appointment
Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 3 times
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.45%
New Money 3-Month CD
$1,000
3.40%
▲ 1.77% above Indiana avg
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average1.63%▲ 1.77% above avgNationally 2.13%
Details
New money: funds not on deposit with Centier Bank in the last 90 days; Open Online
Rate History
No change since Oct 20, 2026 · 3.40% APY · checked 2 times
Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
3 Month Companion CD
$0
3.40%
▲ 1.77% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average1.63%▲ 1.77% above avgNationally 2.13%
Details
Available with a Lake City Bank checking account
Rate History
No change since Sep 9, 2026 · 3.40% APY · checked 10 times
First Community State Bank Avilla, IN
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Certificate of Deposit - 3 Month
$0
3.35%
▲ 1.72% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average1.63%▲ 1.72% above avgNationally 2.13%
Details
Penalty: 1% Prin., No Penalty After 30 Days
Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 3 times
Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3 Month CD
$500
3.30%
▲ 1.67% above Indiana avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average1.63%▲ 1.67% above avgNationally 2.13%
Details
Balance Required to Attain Yield: $500; Interest paid: Monthly
Rate History
No change since Sep 19, 2026 · 3.30% APY · checked 7 times
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Share Certificate - 3 Months
$0
3.29%
▲ 1.66% above Indiana avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.63%▲ 1.66% above avgNationally 2.13%
Details
Balance: $1,000 - $49,999
Rate History
No change since Oct 19, 2026 · 3.29% APY
Afena Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
3 Month Share Certificate
$0
2.55%
▲ 0.92% above Indiana avg
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 0.92% above avgNationally 2.13%
Details
Min. Deposit $100,000
Rate History
No change since Oct 5, 2026 · 2.55% APY · checked 5 times
Thrive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
Share Certificate - 3 Months
$0
2.50%
▲ 0.87% above Indiana avg
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 0.87% above avgNationally 2.13%
Details
Rate History
No change since Oct 8, 2026 · 2.50% APY · checked 2 times
Afena Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
3 Month Share Certificate
$0
2.40%
▲ 0.77% above Indiana avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 0.77% above avgNationally 2.13%
Details
Min. Deposit $250
Rate History
No change since Oct 5, 2026 · 2.40% APY · checked 5 times
STAR Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
Certificate of Deposit - 3 Months
$0
2.35%
▲ 0.72% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average1.63%▲ 0.72% above avgNationally 2.13%
Details
Compound Frequency: At Maturity; APY requires active STAR checking relationship; penalty may apply for early withdrawal
Rate History
No change since Oct 20, 2026 · 2.35% APY · checked 2 times
LNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Certificate of Deposit - 3 Months
$2,500
2.01%
▲ 0.38% above Indiana avg
▼
Rate2.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average1.63%▲ 0.38% above avgNationally 2.13%
Details
Rate History
No change since Oct 20, 2026 · 2.01% APY · checked 2 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3 Month Certificate of Deposit
$500
2.00%
▲ 0.37% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average1.63%▲ 0.37% above avgNationally 2.13%
Details
APY calculated on monthly compounding assuming interest remains on deposit until maturity
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
Perfect Circle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month CD
$0
1.76%
▲ 0.13% above Indiana avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.63%▲ 0.13% above avgNationally 2.13%
Details
Rate History
1 change since Sep 14, 2026 · 1.51% → 1.76% ▲ 0.25 pts · high 1.76% / low 1.51%
- Sep 22, 20261.76%▲ from 1.51%
- Sep 14, 20261.51%first recorded
Perfect Circle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month IRA CD
$0
1.76%
▲ 0.13% above Indiana avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.63%▲ 0.13% above avgNationally 2.13%
Details
Rate History
1 change since Sep 14, 2026 · 1.51% → 1.76% ▲ 0.25 pts · high 1.76% / low 1.51%
- Oct 10, 20261.76%▲ from 1.51%
- Sep 14, 20261.51%first recorded
Haynes Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
Share Certificate - 3 Month
$0
1.75%
▲ 0.12% above Indiana avg
▼
Rate1.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 0.12% above avgNationally 2.13%
Details
Effective Date: 02/01/2026; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 12, 2026 · 1.75% APY · checked 4 times
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.21%
3 Month Certificate
$500
1.75%
▲ 0.12% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▲ 0.12% above avgNationally 2.13%
Details
Share Certificate; Min Deposit of $500
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 8 times
Financial Builders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
Share Certificates - 3 months
$0
1.63%
At Indiana avg
▼
Rate1.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%At the averageNationally 2.13%
Details
Rates effective 08/20/2026
Rate History
No change since Sep 21, 2026 · 1.63% APY · checked 6 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 3 Months - With Bonus Rate
$0
1.60%
▼ 0.03% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▼ 0.03% below avgNationally 2.13%
Details
Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 23, 2026 · 1.60% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 3 Months - Bonus Rate
$0
1.60%
▼ 0.03% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▼ 0.03% below avgNationally 2.13%
Details
Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate
Rate History
No change since Oct 23, 2026 · 1.60% APY
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Standard Term Certificate - 3 Months
$10,000
1.56%
▼ 0.07% below Indiana avg
▼
Rate1.55%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▼ 0.07% below avgNationally 2.13%
Details
Rate History
No change since Oct 9, 2026 · 1.56% APY · checked 4 times
SOLIDARITY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
3 Month Certificate
$500
1.55%
▼ 0.08% below Indiana avg
▼
Rate1.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.63%▼ 0.08% below avgNationally 2.13%
Details
Dividends compounded and credited monthly
Rate History
No change since Sep 14, 2026 · 1.55% APY · checked 8 times
Fowler State Bank Fowler, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Certificate of Deposit - 3 months
$1
1.51%
▼ 0.12% below Indiana avg
▼
Rate1.50%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average1.63%▼ 0.12% below avgNationally 2.13%
Details
Compounding: Maturity
Rate History
No change since Oct 14, 2026 · 1.51% APY · checked 2 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 3 Months
$0
1.50%
▼ 0.13% below Indiana avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▼ 0.13% below avgNationally 2.13%
Details
Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 12, 2026 · 1.50% APY · checked 3 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 3 Months
$0
1.50%
▼ 0.13% below Indiana avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▼ 0.13% below avgNationally 2.13%
Details
Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply
Rate History
No change since Oct 15, 2026 · 1.50% APY · checked 2 times
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
Term Share Certificate - 3 Month
$0
1.30%
▼ 0.33% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▼ 0.33% below avgNationally 2.13%
Details
Rate History
No change since Oct 5, 2026 · 1.30% APY · checked 3 times
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Business Share Certificate - 3 Months
$10,000
1.26%
▼ 0.37% below Indiana avg
▼
Rate1.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▼ 0.37% below avgNationally 2.13%
Details
Rate History
No change since Oct 9, 2026 · 1.26% APY · checked 4 times
Evansville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
Certificate - 3 Month
$1,000
1.26%
▼ 0.37% below Indiana avg
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▼ 0.37% below avgNationally 2.13%
Details
Dividend Rate 1.25%; early withdrawal penalty of 90 days of earned or unearned interest
Rate History
No change since Oct 13, 2026 · 1.26% APY · checked 3 times
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Certificate 3 Month
$0
1.25%
▼ 0.38% below Indiana avg
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average1.63%▼ 0.38% below avgNationally 2.13%
Details
Certificate Rates; fixed rate certificate
Rate History
No change since Sep 25, 2026 · 1.25% APY · checked 6 times
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
3 Month Certificate
$10,000
1.21%
▼ 0.42% below Indiana avg
▼
Rate1.20%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.63%▼ 0.42% below avgNationally 2.13%
Details
Rate History
No change since Oct 9, 2026 · 1.21% APY · checked 2 times
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
3 Month Term Share Certificate
$0
1.15%
▼ 0.48% below Indiana avg
▼
Rate1.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average1.63%▼ 0.48% below avgNationally 2.13%
Details
Dividend Period: Maturity
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 6 times
New Haven 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
502 Henry St, New Haven, IN 46774 1438
6 Month Certificate
$500
4.15%
▲ 1.46% above Indiana avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.46% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 2.50% → 4.15% ▲ 1.65 pts · high 4.15% / low 2.50%
- Oct 23, 20264.15%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1536 State Road 930 E, New Haven, IN 46774
6-Month Business CD
$2,500
4.10%
▲ 1.41% above Indiana avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.41% above avgNationally 2.78%
Details
APY accurate as of 10/22/2026; maximum deposit $10 million; not available for public units; limited-time offer; early withdrawal penalties apply
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1536 State Road 930 E, New Haven, IN 46774
6-Month CD
$2,500
4.10%
▲ 1.41% above Indiana avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.41% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Oct 10, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Summit Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
104 Lincoln Hwy W, New Haven, IN 46774 2158
Certificate - 6 months
$0
3.95%
▲ 1.26% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.26% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
- Oct 5, 20263.95%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
10915 Isabelle Dr, New Haven, IN 46774 2000
6 Month Certificate
$500
3.75%
▲ 1.06% above Indiana avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.06% above avgNationally 2.78%
Details
Early withdrawal penalty: equivalent of 30 days' dividends
Rate History
1 change since Sep 20, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 15, 20263.75%▲ from 3.50%
- Sep 20, 20263.50%first recorded
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
Certificate of Deposit - 6 Months
$1,000
0.03%
▼ 2.66% below Indiana avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.69%▼ 2.66% below avgNationally 2.78%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
IRA CD 6 Months
$250
0.03%
▼ 2.66% below Indiana avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.69%▼ 2.66% below avgNationally 2.78%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
Certificate of Deposit - 6 Months
$1,000
0.02%
▼ 2.67% below Indiana avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.69%▼ 2.67% below avgNationally 2.78%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
IRA CD 6 Months
$250
0.02%
▼ 2.67% below Indiana avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.69%▼ 2.67% below avgNationally 2.78%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
Certificate of Deposit - 6 Months
$1,000
0.01%
▼ 2.68% below Indiana avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.69%▼ 2.68% below avgNationally 2.78%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
IRA CD 6 Months
$250
0.01%
▼ 2.68% below Indiana avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.69%▼ 2.68% below avgNationally 2.78%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
Midwest Family Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
Loyalty Certificate Promo - 6 Months
$0
4.59%
▲ 1.90% above Indiana avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.90% above avgNationally 2.78%
Details
Requirements for LOYALTY CERTIFICATE PROMO: Checking and Savings account, Debit card and must currently have Direct Deposit. Money must be new to MWFFCU.; APR column printed as 4.50%; Penalty for Early Withdrawal is loss of 90 days dividends
Rate History
No change since Sep 14, 2026 · 4.59% APY · checked 2 times
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6 Month Term Certificates
$0
4.50%
▲ 1.81% above Indiana avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.81% above avgNationally 2.78%
Details
Dividends paid monthly
Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 3 times
U S #1364 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Share Certificate - 6 Month
$500
4.25%
▲ 1.56% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.56% above avgNationally 2.78%
Details
APY compounded; rates subject to change
Rate History
No change since Sep 25, 2026 · 4.25% APY · checked 6 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 6 Months
$500
4.24%
▲ 1.55% above Indiana avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.55% above avgNationally 2.78%
Details
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rate History
No change since Oct 15, 2026 · 4.24% APY · checked 2 times
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6-Month CD
$1,000
4.15%
▲ 1.46% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.46% above avgNationally 2.78%
Details
Rate History
2 changes since Sep 16, 2026 · 4.35% → 4.15% ▼ 0.20 pts · high 4.40% / low 4.15%
- Oct 22, 20264.15%▼ from 4.40%
- Oct 12, 20264.40%▲ from 4.35%
- Sep 16, 20264.35%first recorded
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
6 Month Term Certificate of Deposit
$1,000
4.13%
▲ 1.44% above Indiana avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.44% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 9 times
HNB of Thorntown
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Jumbo Certificate of Deposit - 6 months
$1,000
4.11%
▲ 1.42% above Indiana avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.42% above avgNationally 2.78%
Details
Jumbo rate applies to balances of $100,000.00 and over
Rate History
No change since Oct 22, 2026 · 4.11% APY · checked 2 times
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
6 Month Share Certificate
$500
4.10%
▲ 1.41% above Indiana avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.41% above avgNationally 2.78%
Details
Balance: $500 - $20,000
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 9 times
TLCU Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
6 MONTH CERTIFICATE
$0
4.07%
▲ 1.38% above Indiana avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.38% above avgNationally 2.78%
Details
Rate History
No change since Oct 22, 2026 · 4.07% APY
HNB of Thorntown
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Certificate of Deposit - 6 months
$1,000
4.06%
▲ 1.37% above Indiana avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.37% above avgNationally 2.78%
Details
Rate History
No change since Oct 22, 2026 · 4.06% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificate of Deposit - 6 Month
$1,000
4.00%
▲ 1.31% above Indiana avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details
Partial withdrawals allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 6 Month
$1,000
4.00%
▲ 1.31% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 21, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 6-Month
$1,000
4.00%
▲ 1.31% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 7, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA Certificate - 6-Month
$1,000
4.00%
▲ 1.31% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
CD Specials - 6 Month
$0
4.00%
▲ 1.31% above Indiana avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details
CD Specials
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Certificate of Deposit - 6 Month
$10,000
4.00%
▲ 1.31% above Indiana avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details
New accounts only with $10,000 new money deposit; offers effective 4/20/26; early withdrawal penalty applies
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month CD
$500
4.00%
▲ 1.31% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 6 times
Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month IRA
$500
4.00%
▲ 1.31% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 6 times
Financial Health Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
6-Month CD
$500
4.00%
▲ 1.31% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details
Featured on homepage promo card; Request your CD today!
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
6 Month Share Certificate
$0
4.00%
▲ 1.31% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
IRA 6 Month Term
$1,000
4.00%
▲ 1.31% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details
Traditional and Roth IRA; APY effective as of October 1, 2026
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
Share Certificate - 6 Month Term
$1,000
4.00%
▲ 1.31% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details
Minimum deposit $1,000 to open (primary members under 18: $500); minimum $500 balance to earn dividends; APY effective as of October 1, 2026; penalty for early withdrawal
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Community Link Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
6 Month Share Certificate - Limited Time Special
$0
4.00%
▲ 1.31% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details
Balance: $500 & Over; Minimum deposit of $500; Must have eStatements to be eligible for special certificate rates; Rate Guard does not apply to this offer; Account subject to penalty for early withdrawal; CLFCU membership requirements apply; Limited time only; As of 9/28/26
Rate History
No change since Oct 22, 2026 · 4.00% APY
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
6 Month Certificate
$0
4.00%
▲ 1.31% above Indiana avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details
Certificates of Deposit effective May 28, 2025
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
6 Month Certificate
$500
4.00%
▲ 1.31% above Indiana avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details
Rates as of 10/1/2026
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Oct 19, 20264.00%▲ from 3.85%
- Sep 14, 20263.85%first recorded
VULCRAFT EMPLOYEES
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
6 Month Certificate
$2,000
4.00%
▲ 1.31% above Indiana avg
▼
Rate4.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.78%
Details
Minimum $2,000.00; Div. Rate 4.00%; APY 4.00%; Rates as of March 3, 2025
Rate History
No change since Oct 19, 2026 · 4.00% APY
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
6 Mo. Certificate
$1,000
3.92%
▲ 1.23% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 1.23% above avgNationally 2.78%
Details
Dividends compounded monthly
Rate History
1 change since Sep 18, 2026 · 3.66% → 3.93% ▲ 0.26 pts · high 3.93% / low 3.66%
- Oct 14, 20263.93%▲ from 3.66%
- Sep 18, 20263.66%first recorded
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
Fixed Rate CD - 6 Month
$1,000
3.82%
▲ 1.13% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.69%▲ 1.13% above avgNationally 2.78%
Details
Must maintain minimum balance of $1000 every day to earn APY; Penalty may be imposed for early withdrawal; APY accurate as of 09/17/2026; Open Fixed Rate CD online
Rate History
No change since Oct 7, 2026 · 3.82% APY · checked 3 times
Encompass Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.86%
Certificates of Deposits - 6 Month
$0
3.82%
▲ 1.13% above Indiana avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.13% above avgNationally 2.78%
Details
A Regular Savings Account is required; penalties for early withdrawal may apply
Rate History
No change since Oct 12, 2026 · 3.82% APY · checked 2 times
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Share Certificates - 6 Months
$0
3.80%
▲ 1.11% above Indiana avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 1.11% above avgNationally 2.78%
Details
Balance: $50,000 & Over
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Share Certificate - 6 months
$0
3.76%
▲ 1.07% above Indiana avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.07% above avgNationally 2.78%
Details
Share certificates as of October 22, 2025; early withdrawal penalty applies; certificate yields assume dividends compounded monthly
Rate History
No change since Oct 22, 2026 · 3.76% APY
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6 Month CD
$500
3.75%
▲ 1.06% above Indiana avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.69%▲ 1.06% above avgNationally 2.78%
Details
Certificates of Deposit; Minimum balance to obtain APY: $500
Rate History
No change since Sep 9, 2026 · 3.75% APY · checked 9 times
FSB New Madison, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
CD Specials - 6 Months
$1,000
3.75%
▲ 1.06% above Indiana avg
▼
Rate3.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.69%▲ 1.06% above avgNationally 2.78%
Details
Minimum deposit $1000 for CDs, $500 for CD IRAs; APY accurate as of 10/1/2026; available for a limited time
Rate History
No change since Oct 3, 2026 · 3.75% APY · checked 4 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
6 Month Youth Share Certificate
$50
3.75%
▲ 1.06% above Indiana avg
▼
Rate3.70%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.06% above avgNationally 2.78%
Details
Available to members ages 17 & younger; Maximum original principal balance of $5,000; Youth Share Certificate: $50 minimum balance required
Rate History
No change since Oct 5, 2026 · 3.75% APY · checked 5 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Youth Share Certificates - 6 Months
$0
3.75%
▲ 1.06% above Indiana avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.06% above avgNationally 2.78%
Details
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 2 times
Montana Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
Share Certificate - 6 months
$1,000
3.75%
▲ 1.06% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 1.06% above avgNationally 2.78%
Details
$1,000 minimum deposit. Penalty for early withdrawal.
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
- Oct 19, 20263.75%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
6 Month Certificate
$0
3.75%
▲ 1.06% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 1.06% above avgNationally 2.78%
Details
Certificates ($1,000 Minimum)
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 10, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
RBMAX
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - 6 Month
$1,000
3.70%
▲ 1.01% above Indiana avg
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.69%▲ 1.01% above avgNationally 2.78%
Details
Partial withdrawals allowed; $100,000 maximum deposit per CD product; Annual Percentage Yield as of 10/19/2026
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 8 times
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6 Month Certificates
$0
3.70%
▲ 1.01% above Indiana avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 1.01% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
New Haven 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1536 State Road 930 E, New Haven, IN 46774
12-Month Business CD
$500
4.30%
▲ 1.48% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.48% above avgNationally 2.99%
Details
APY accurate as of 10/22/2026; maximum deposit $10 million; not available for public units; limited-time offer; early withdrawal penalties apply
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 3 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1536 State Road 930 E, New Haven, IN 46774
12-Month CD
$500
4.30%
▲ 1.48% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.48% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 10, 20264.30%▲ from 3.80%
- Sep 14, 20263.80%first recorded
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
11075 Isabelle Dr, New Haven, IN 46774
12 Month Promo CD Special
$0
4.10%
▲ 1.28% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.28% above avgNationally 2.99%
Details
Open in Minutes; Rates may vary by zip code
Rate History
No change since Oct 22, 2026 · 4.10% APY
Summit Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
104 Lincoln Hwy W, New Haven, IN 46774 2158
Certificate Special - 12 months
$0
4.10%
▲ 1.28% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.28% above avgNationally 2.99%
Details
Specials
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 23, 20264.10%▲ from 4.00%
- Sep 18, 20264.00%first recorded
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
502 Henry St, New Haven, IN 46774 1438
12 Month Certificate
$500
4.00%
▲ 1.18% above Indiana avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
- Oct 23, 20264.00%▲ from 3.25%
- Sep 18, 20263.25%first recorded
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
502 Henry St, New Haven, IN 46774 1438
Traditional and Roth IRA 12 Months
$1,000
4.00%
▲ 1.18% above Indiana avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details
Traditional and Roth IRA fixed rate; dividend rate compounded quarterly; membership at ProFed is required
Rate History
1 change since Oct 15, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
- Oct 23, 20264.00%▲ from 3.25%
- Oct 15, 20263.25%first recorded
Summit Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
104 Lincoln Hwy W, New Haven, IN 46774 2158
Certificate - 12 months
$0
4.00%
▲ 1.18% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Oct 5, 20264.00%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
10915 Isabelle Dr, New Haven, IN 46774 2000
12 Month Certificate
$1,000
3.75%
▲ 0.93% above Indiana avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 0.93% above avgNationally 2.99%
Details
Early withdrawal penalty: equivalent of 180 days' dividends
Rate History
1 change since Sep 20, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 15, 20263.75%▲ from 3.50%
- Sep 20, 20263.50%first recorded
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
502 Henry St, New Haven, IN 46774 1438
12 Month EZ Saver
$25
3.00%
▲ 0.18% above Indiana avg
▼
Rate2.96%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 0.18% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
Midwest America Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
321 Lincoln Hwy W, New Haven, IN 46774 2161
12 Month Share/IRA Certificate - Relationship Perks
$0
2.45%
▼ 0.37% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▼ 0.37% below avgNationally 2.99%
Details
APY (w/ Relationship Perks); Regular Certificates; Dividend Distribution: Monthly; requires active checking account open 30+ days with 5+ transactions in most recent month
Rate History
No change since Oct 19, 2026 · 2.45% APY
Midwest America Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
321 Lincoln Hwy W, New Haven, IN 46774 2161
12 Month Share/IRA Certificate
$0
2.25%
▼ 0.57% below Indiana avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▼ 0.57% below avgNationally 2.99%
Details
Regular Certificates; Dividend Distribution: Monthly
Rate History
No change since Oct 19, 2026 · 2.25% APY
1st Source Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
902 Lincoln Hwy E, New Haven, IN 46774
CD - 1 year
$500
0.30%
▼ 2.52% below Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▼ 2.52% below avgNationally 2.99%
Details
APY effective as of Oct 21, 2026
Rate History
No change since Oct 22, 2026 · 0.30% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
Certificate of Deposit - 12 Months
$1,000
0.03%
▼ 2.79% below Indiana avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▼ 2.79% below avgNationally 2.99%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
IRA CD 12 Months
$250
0.03%
▼ 2.79% below Indiana avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▼ 2.79% below avgNationally 2.99%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
Certificate of Deposit - 12 Months
$1,000
0.02%
▼ 2.80% below Indiana avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▼ 2.80% below avgNationally 2.99%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
IRA CD 12 Months
$250
0.02%
▼ 2.80% below Indiana avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▼ 2.80% below avgNationally 2.99%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
Certificate of Deposit - 12 Months
$1,000
0.01%
▼ 2.81% below Indiana avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▼ 2.81% below avgNationally 2.99%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
IRA CD 12 Months
$250
0.01%
▼ 2.81% below Indiana avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▼ 2.81% below avgNationally 2.99%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
12-Month IRA
$0
4.60%
▲ 1.78% above Indiana avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.78% above avgNationally 2.99%
Details
Rate History
1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
- Oct 8, 20264.60%▲ from 4.08%
- Sep 16, 20264.08%first recorded
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
12-Month IRA Certificate - Premier Member
$500
4.50%
▲ 1.68% above Indiana avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.68% above avgNationally 2.99%
Details
Premier Member rate; minimum balance to open an IRA certificate is $500
Rate History
No change since Oct 23, 2026 · 4.50% APY
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
IRA Certificate - 12 Month
$0
4.50%
▲ 1.68% above Indiana avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.68% above avgNationally 2.99%
Details
Effective Date: 10/1/2026; Minimum balance to earn is $1,000 for IRA
Rate History
No change since Oct 19, 2026 · 4.50% APY
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Standard Certificate - 12 Month
$0
4.50%
▲ 1.68% above Indiana avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.68% above avgNationally 2.99%
Details
Effective Date: 10/1/2026
Rate History
No change since Oct 19, 2026 · 4.50% APY
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 12 Months
$500
4.39%
▲ 1.57% above Indiana avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.57% above avgNationally 2.99%
Details
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rate History
No change since Oct 15, 2026 · 4.39% APY · checked 2 times
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
12 Month IRA Certificate
$2,500
4.33%
▲ 1.51% above Indiana avg
▼
Rate4.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.51% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Oct 15, 20264.33%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Hoosier United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
12 Month Youth CD
$0
4.32%
▲ 1.50% above Indiana avg
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.50% above avgNationally 2.99%
Details
Ages: 0-18; only eligible for members newborn to 18 years old; opening balance $100; maximum balance $25,000; may be eligible for annual bonus; early withdrawal penalty applies
Rate History
1 change since Oct 14, 2026 · 4.27% → 4.32% ▲ 0.05 pts · high 4.32% / low 4.27%
- Oct 19, 20264.32%▲ from 4.27%
- Oct 14, 20264.27%first recorded
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
12 Month Term Certificate of Deposit
$1,000
4.28%
▲ 1.46% above Indiana avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.46% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.28% ▲ 0.26 pts · high 4.28% / low 4.02%
- Oct 15, 20264.28%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
12-Month IRA Certificate
$500
4.25%
▲ 1.43% above Indiana avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.43% above avgNationally 2.99%
Details
Non-premier member rate; minimum balance to open an IRA certificate is $500
Rate History
No change since Oct 23, 2026 · 4.25% APY
South Bend Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
12 Month Certificate
$1,000
4.25%
▲ 1.43% above Indiana avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.43% above avgNationally 2.99%
Details
Certificates effective 01/29/2026; Early withdrawal penalty: forfeit 180 days dividend
Rate History
2 changes since Sep 14, 2026 · 3.87% → 4.25% ▲ 0.38 pts · high 4.25% / low 3.87%
- Oct 15, 20264.25%▲ from 4.01%
- Sep 21, 20264.01%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Community Link Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
12 Month Share Certificate - Limited Time Special
$0
4.25%
▲ 1.43% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.43% above avgNationally 2.99%
Details
Balance: $500 & Over; Minimum deposit of $500; Must have eStatements to be eligible for special certificate rates; Rate Guard does not apply to this offer; Account subject to penalty for early withdrawal; CLFCU membership requirements apply; Limited time only; As of 9/28/26
Rate History
No change since Oct 22, 2026 · 4.25% APY
Montana Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
Share Certificate - 1 year
$1,000
4.25%
▲ 1.43% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.43% above avgNationally 2.99%
Details
$1,000 minimum deposit. Penalty for early withdrawal.
Rate History
No change since Oct 19, 2026 · 4.25% APY
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Savers Certificate - 12 Months
$50
4.18%
▲ 1.36% above Indiana avg
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.36% above avgNationally 2.99%
Details
Dividend Rate: T-Bill + 0.00%; Rate Type: Variable
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
- Oct 5, 20264.18%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
12 Month Certificate
$500
4.15%
▲ 1.33% above Indiana avg
▼
Rate4.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.33% above avgNationally 2.99%
Details
Rates as of 10/1/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 19, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
12 Month Certificate
$1,000
4.05%
▲ 1.23% above Indiana avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.82%▲ 1.23% above avgNationally 2.99%
Details
Quarterly compounding. IRA funds permitted. No business funds permitted.
Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 6 times
Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1-Year CD
$500
4.05%
▲ 1.23% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.23% above avgNationally 2.99%
Details
Rate History
No change since Sep 25, 2026 · 4.05% APY · checked 6 times
Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1-Year IRA
$500
4.05%
▲ 1.23% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.23% above avgNationally 2.99%
Details
Rate History
No change since Sep 25, 2026 · 4.05% APY · checked 6 times
LNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Certificate of Deposit - 1 Year Relationship
$500
4.04%
▲ 1.22% above Indiana avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.82%▲ 1.22% above avgNationally 2.99%
Details
Relationship certificate
Rate History
1 change since Oct 14, 2026 · 4.00% → 4.04% ▲ 0.04 pts · high 4.04% / low 4.00%
- Oct 20, 20264.04%▲ from 4.00%
- Oct 14, 20264.00%first recorded
HNB of Thorntown
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Jumbo Certificate of Deposit - 12 months
$1,000
4.01%
▲ 1.19% above Indiana avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.19% above avgNationally 2.99%
Details
Jumbo rate applies to balances of $100,000.00 and over
Rate History
No change since Oct 22, 2026 · 4.01% APY · checked 2 times
First Internet Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
12 Month Certificate of Deposit
$0
4.00%
▲ 1.18% above Indiana avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details
Interest rate 3.93%; APY based on interest remaining in account until maturity; interest compounded monthly; early withdrawal penalty 180 days of interest; 60 day hold on ACH funds
Rate History
1 change since Sep 9, 2026 · 3.67% → 4.00% ▲ 0.33 pts · high 4.00% / low 3.67%
- Oct 22, 20264.00%▲ from 3.67%
- Sep 9, 20263.67%first recorded
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Business Step Up Certificates - 1 Year
$1,000
4.00%
▲ 1.18% above Indiana avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details
Penalty for early withdrawal. Fees may reduce earnings. Minimum $1000.00 deposit.
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
Community State Bank Brook, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
Special 12 Month CD
$5,000
4.00%
▲ 1.18% above Indiana avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details
Special certificate; $5,000 minimum opening deposit; Penalties for early withdrawal apply; Effective as of 10/5/2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 8, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
CD Specials - 12 Month
$0
4.00%
▲ 1.18% above Indiana avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details
CD Specials
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Certificate of Deposit - 12 Month
$10,000
4.00%
▲ 1.18% above Indiana avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details
New accounts only with $10,000 new money deposit; offers effective 4/20/26; early withdrawal penalty applies
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
PrimeTrust Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
1 Year Share Certificate
$1,000
4.00%
▲ 1.18% above Indiana avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details
No rate bump available
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 3 times
PrimeTrust Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
IRA Certificate 1 Year
$1,000
4.00%
▲ 1.18% above Indiana avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details
not eligible for Direct Deposit discount; Rates Effective as of 01/05/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
12 Month Share Certificate
$500
4.00%
▲ 1.18% above Indiana avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details
Balance: $500 - $20,000
Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 8 times
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
12 Month Share Certificate
$0
4.00%
▲ 1.18% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
12 Month Youth Share Certificates
$0
4.00%
▲ 1.18% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details
Balance: Under $10,000; APY shown as 4.00% + Youth Bonus (bonus amount not stated)
Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 4 times
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
12 Month IRA Share Certificate
$500
4.00%
▲ 1.18% above Indiana avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details
IRA Share Certificate; Dividend rates declared monthly; IRA may be assessed an Annual Fee, Transfer Fee, and Termination Fee
Rate History
1 change since Oct 14, 2026 · 4.10% → 4.00% ▼ 0.10 pts · high 4.10% / low 4.00%
- Oct 19, 20264.00%▼ from 4.10%
- Oct 14, 20264.10%first recorded
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
12 Month Share Certificate
$500
4.00%
▲ 1.18% above Indiana avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.99%
Details
Dividend rates declared monthly
Rate History
No change since Oct 19, 2026 · 4.00% APY
HNB of Thorntown
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Certificate of Deposit - 12 months
$1,000
3.96%
▲ 1.14% above Indiana avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.14% above avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
New Haven 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1536 State Road 930 E, New Haven, IN 46774
18-Month CD
$500
4.25%
▲ 1.61% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.64%▲ 1.61% above avgNationally 2.88%
Details
Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 4 times
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
11075 Isabelle Dr, New Haven, IN 46774
18 Month Promo CD Special
$0
4.15%
▲ 1.51% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.64%▲ 1.51% above avgNationally 2.88%
Details
Open in Minutes
Rate History
No change since Oct 22, 2026 · 4.15% APY
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
502 Henry St, New Haven, IN 46774 1438
18 Month Certificate
$500
4.00%
▲ 1.36% above Indiana avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 1.36% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 2.75% → 4.00% ▲ 1.25 pts · high 4.00% / low 2.75%
- Oct 23, 20264.00%▲ from 2.75%
- Sep 18, 20262.75%first recorded
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
502 Henry St, New Haven, IN 46774 1438
Traditional and Roth IRA 18 Months
$1,000
4.00%
▲ 1.36% above Indiana avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 1.36% above avgNationally 2.88%
Details
Traditional and Roth IRA fixed rate; dividend rate compounded quarterly; membership at ProFed is required
Rate History
1 change since Oct 15, 2026 · 2.75% → 4.00% ▲ 1.25 pts · high 4.00% / low 2.75%
- Oct 23, 20264.00%▲ from 2.75%
- Oct 15, 20262.75%first recorded
Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
10915 Isabelle Dr, New Haven, IN 46774 2000
18 Month Certificate
$1,000
2.50%
▼ 0.14% below Indiana avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▼ 0.14% below avgNationally 2.88%
Details
Early withdrawal penalty: equivalent of 180 days' dividends
Rate History
1 change since Sep 20, 2026 · 2.00% → 2.50% ▲ 0.50 pts · high 2.50% / low 2.00%
- Oct 15, 20262.50%▲ from 2.00%
- Sep 20, 20262.00%first recorded
Midwest America Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
321 Lincoln Hwy W, New Haven, IN 46774 2161
18 Month Share/IRA Certificate - Relationship Perks
$0
2.20%
▼ 0.44% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▼ 0.44% below avgNationally 2.88%
Details
APY (w/ Relationship Perks); Regular Certificates; Dividend Distribution: Monthly; requires active checking account open 30+ days with 5+ transactions in most recent month
Rate History
No change since Oct 19, 2026 · 2.20% APY
Midwest America Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
321 Lincoln Hwy W, New Haven, IN 46774 2161
18 Month Share/IRA Certificate
$0
2.00%
▼ 0.64% below Indiana avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▼ 0.64% below avgNationally 2.88%
Details
Regular Certificates; Dividend Distribution: Monthly
Rate History
No change since Oct 19, 2026 · 2.00% APY
1st Source Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
902 Lincoln Hwy E, New Haven, IN 46774
CD - 18 month
$500
0.30%
▼ 2.34% below Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.64%▼ 2.34% below avgNationally 2.88%
Details
APY effective as of Oct 21, 2026
Rate History
No change since Oct 22, 2026 · 0.30% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
Certificate of Deposit - 18 Months
$1,000
0.03%
▼ 2.61% below Indiana avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.64%▼ 2.61% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
IRA CD 18 Months
$250
0.03%
▼ 2.61% below Indiana avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.64%▼ 2.61% below avgNationally 2.88%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
Certificate of Deposit - 18 Months
$1,000
0.02%
▼ 2.62% below Indiana avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.64%▼ 2.62% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
IRA CD 18 Months
$250
0.02%
▼ 2.62% below Indiana avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.64%▼ 2.62% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
Certificate of Deposit - 18 Months
$1,000
0.01%
▼ 2.63% below Indiana avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.64%▼ 2.63% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
IRA CD 18 Months
$250
0.01%
▼ 2.63% below Indiana avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.64%▼ 2.63% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
18 Month Variable Rate Certificate
$1,000
4.62%
▲ 1.98% above Indiana avg
▼
Rate4.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.64%▲ 1.98% above avgNationally 2.88%
Details
Rate changes quarterly; Quarterly compounding; $100.00 minimum additions permitted; IRA fund also permitted
Rate History
1 change since Sep 24, 2026 · 4.04% → 4.62% ▲ 0.58 pts · high 4.62% / low 4.04%
- Oct 3, 20264.62%▲ from 4.04%
- Sep 24, 20264.04%first recorded
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
IRA 18 Month Term
$1,000
4.50%
▲ 1.86% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 1.86% above avgNationally 2.88%
Details
Traditional and Roth IRA; APY effective as of October 1, 2026
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
Share Certificate - 18 Month Term
$1,000
4.50%
▲ 1.86% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 1.86% above avgNationally 2.88%
Details
Minimum deposit $1,000 to open (primary members under 18: $500); minimum $500 balance to earn dividends; APY effective as of October 1, 2026; penalty for early withdrawal
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18-Month CD
$1,000
4.35%
▲ 1.71% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.64%▲ 1.71% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 16, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.25%
- Oct 12, 20264.35%▲ from 4.25%
- Oct 3, 20264.25%▼ from 4.40%
- Sep 16, 20264.40%first recorded
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
18 Month Certificate
$500
4.25%
▲ 1.61% above Indiana avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.61% above avgNationally 2.88%
Details
Rates as of 10/1/2026
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Oct 19, 20264.25%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
CW Certificates - 18 Months
$1,000
4.20%
▲ 1.56% above Indiana avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.64%▲ 1.56% above avgNationally 2.88%
Details
Term Share Certificate; dividends paid at end of each month; early withdrawal penalty applies (2 times current APR)
Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 2 times
Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo 18 Mo CD
$100,000
4.10%
▲ 1.46% above Indiana avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 1.46% above avgNationally 2.88%
Details
Rate History
No change since Oct 15, 2026 · 4.10% APY · checked 2 times
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
18 Mo. Certificate
$1,000
4.08%
▲ 1.44% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.44% above avgNationally 2.88%
Details
Dividends compounded monthly
Rate History
1 change since Sep 18, 2026 · 3.71% → 4.08% ▲ 0.37 pts · high 4.08% / low 3.71%
- Oct 14, 20264.08%▲ from 3.71%
- Sep 18, 20263.71%first recorded
The Antwerp Exchange Bank Company
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Certificates of Deposit - 18 Month
$500
4.01%
▲ 1.37% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.64%▲ 1.37% above avgNationally 2.88%
Details
Balance: $5,000 and Above; $5,000 minimum balance to maintain disclosed APY; APY~ = Annual Percentage Yield
Rate History
No change since Oct 14, 2026 · 4.01% APY · checked 2 times
First Internet Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
18 Month Certificate of Deposit
$1,000
4.00%
▲ 1.36% above Indiana avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.64%▲ 1.36% above avgNationally 2.88%
Details
Interest compounded monthly; fixed for the term; automatically renews; early withdrawal penalty of 180 days of interest
Rate History
1 change since Sep 9, 2026 · 3.38% → 4.00% ▲ 0.62 pts · high 4.00% / low 3.38%
- Oct 22, 20264.00%▲ from 3.38%
- Sep 9, 20263.38%first recorded
Crossroads Bank Wabash, IN
Institution Rating:
A5.0 ★Texas Ratio: 12.07%
Certificates of Deposit Specials - 18 Month Special
$0
4.00%
▲ 1.36% above Indiana avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.64%▲ 1.36% above avgNationally 2.88%
Details
Balance: $1,000 minimum to obtain the APY shown; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
18 Month IRA Share Certificate
$500
4.00%
▲ 1.36% above Indiana avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.36% above avgNationally 2.88%
Details
IRA Share Certificate; Dividend rates declared monthly; IRA may be assessed an Annual Fee, Transfer Fee, and Termination Fee
Rate History
1 change since Oct 14, 2026 · 4.15% → 4.00% ▼ 0.15 pts · high 4.15% / low 4.00%
- Oct 19, 20264.00%▼ from 4.15%
- Oct 14, 20264.15%first recorded
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
18 Month Share Certificate
$500
4.00%
▲ 1.36% above Indiana avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.36% above avgNationally 2.88%
Details
Dividend rates declared monthly
Rate History
No change since Oct 19, 2026 · 4.00% APY
Eastern Indiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Roth 18 Month IRA Certificate
$500
3.89%
▲ 1.25% above Indiana avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 1.25% above avgNationally 2.88%
Details
Early Withdrawal Penalty: forfeit 90 days dividend
Rate History
No change since Sep 12, 2026 · 3.89% APY · checked 10 times
Eastern Indiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Traditional 18 Month IRA Certificate
$500
3.89%
▲ 1.25% above Indiana avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 1.25% above avgNationally 2.88%
Details
Early Withdrawal Penalty: forfeit 90 days dividend
Rate History
No change since Sep 12, 2026 · 3.89% APY · checked 10 times
Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Mo CD
$500
3.85%
▲ 1.21% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 1.21% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 6 times
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
18 Month Certificates
$0
3.80%
▲ 1.16% above Indiana avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.16% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80%
▲ 1.16% above Indiana avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.16% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Rewards
$0
3.80%
▲ 1.16% above Indiana avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.16% above avgNationally 2.88%
Details
Rewards APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular
$0
3.80%
▲ 1.16% above Indiana avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.16% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Rewards
$0
3.80%
▲ 1.16% above Indiana avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.16% above avgNationally 2.88%
Details
Rewards APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
IRA CD Specials - 18-month term
$0
3.80%
▲ 1.16% above Indiana avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 1.16% above avgNationally 2.88%
Details
Rewards APY
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Oct 19, 20263.80%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Certificates - 18 Month
$200
3.75%
▲ 1.11% above Indiana avg
▼
Rate3.69%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.64%▲ 1.11% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 8 times
Thrive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
Share Certificate - 18 Months
$0
3.75%
▲ 1.11% above Indiana avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 1.11% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
Hendricks County Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
IRA 18 Month Certificate
$500
3.72%
▲ 1.08% above Indiana avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.64%▲ 1.08% above avgNationally 2.88%
Details
Balance: Under $100,000.00
Rate History
No change since Oct 20, 2026 · 3.72% APY · checked 2 times
La Porte Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.42%
Certificate of Deposit 18 Month Term
$0
3.70%
▲ 1.06% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 1.06% above avgNationally 2.88%
Details
A minimum balance of $500.00 is required for all Certificate of Deposit.
Rate History
No change since Oct 23, 2026 · 3.70% APY
Hoosier United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
18 Month Certificate
$0
3.56%
▲ 0.92% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 0.92% above avgNationally 2.88%
Details
Minimum balance required for 6, 12, 18, and 24 month CD is $1,000; rate locked for term; early withdrawal penalty applies
Rate History
4 changes since Sep 14, 2026 · 3.23% → 3.56% ▲ 0.33 pts · high 3.69% / low 3.23%
- Oct 10, 20263.56%▼ from 3.69%
- Oct 1, 20263.69%▲ from 3.23%
- Sep 22, 20263.23%▼ from 3.33%
- Sep 18, 20263.33%▲ from 3.23%
TLCU Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
18 MONTH CERTIFICATE
$0
3.56%
▲ 0.92% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.64%▲ 0.92% above avgNationally 2.88%
Details
Rate History
No change since Oct 22, 2026 · 3.56% APY
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
18 Month Share Certificates
$0
3.55%
▲ 0.91% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 0.91% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Share Certificate - 18 Months
$500
3.55%
▲ 0.91% above Indiana avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 0.91% above avgNationally 2.88%
Details
Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Share Certificate 18 Months
$0
3.55%
▲ 0.91% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.64%▲ 0.91% above avgNationally 2.88%
Details
Balance: $50,000 & Over
Rate History
No change since Oct 19, 2026 · 3.55% APY
First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
CD Specials - 18 Month
$500
3.51%
▲ 0.87% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.64%▲ 0.87% above avgNationally 2.88%
Details
Minimum balance to open and earn APY is $500; Penalty imposed for early withdrawal; Rates effective 10/01/2026
Rate History
No change since Oct 21, 2026 · 3.51% APY
Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
18-Month CD Special
$1,000
3.50%
▲ 0.86% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.64%▲ 0.86% above avgNationally 2.88%
Details
Maximum balance: No maximum balance; at maturity renews as a 18 month CD; APY assumes interest remains on deposit until maturity; limited time offer
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
American Community Bank of Indiana
Institution Rating:
B-4.3 ★Texas Ratio: 22.89%
SPECIAL: 18 Month Certificate of Deposit
$0
3.50%
▲ 0.86% above Indiana avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.64%▲ 0.86% above avgNationally 2.88%
Details
APYs effective as of 09-24-2026; Rates fixed at time of deposit; Penalty may apply for withdrawal before maturity
Rate History
1 change since Sep 7, 2026 · 2.75% → 3.50% ▲ 0.75 pts · high 3.50% / low 2.75%
- Sep 27, 20263.50%▲ from 2.75%
- Sep 7, 20262.75%first recorded
Logansport Savings Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.53%
Certificate 18 Months
$0
3.50%
▲ 0.86% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.64%▲ 0.86% above avgNationally 2.88%
Details
Rate-APY range: 3.50% - 3.55%; Penalty: 9 Months
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
18 Month Certificate Special
$1,000
3.50%
▲ 0.86% above Indiana avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.64%▲ 0.86% above avgNationally 2.88%
Details
Special Rates; Early withdrawal penalty may apply; Requires Garrett State Bank deposit account with direct deposit
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Oct 15, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
New Haven 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
11075 Isabelle Dr, New Haven, IN 46774
24 Month CD/IRA Special
$0
4.25%
▲ 1.43% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.43% above avgNationally 2.90%
Details
24-month CD/IRA Promotional Rate; Rates may vary by zip code; APY effective 9/24/2026 for a limited time; IRAs are for individuals only; substantial penalty for early withdrawal
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
11075 Isabelle Dr, New Haven, IN 46774
24 Month Promo CD Special
$0
4.25%
▲ 1.43% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.43% above avgNationally 2.90%
Details
APY effective 9/24/2026 for a limited time; Rates may vary by zip code; Open in Minutes
Rate History
No change since Oct 22, 2026 · 4.25% APY
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1536 State Road 930 E, New Haven, IN 46774
24-Month CD
$500
4.25%
▲ 1.43% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.43% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- Oct 10, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Summit Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
104 Lincoln Hwy W, New Haven, IN 46774 2158
Certificate - 2 years
$0
4.05%
▲ 1.23% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.23% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
- Oct 5, 20264.05%▲ from 3.75%
- Sep 14, 20263.75%first recorded
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
502 Henry St, New Haven, IN 46774 1438
24 Month Certificate
$500
3.85%
▲ 1.03% above Indiana avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.03% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 2.75% → 3.85% ▲ 1.10 pts · high 3.85% / low 2.75%
- Oct 23, 20263.85%▲ from 2.75%
- Sep 14, 20262.75%first recorded
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
502 Henry St, New Haven, IN 46774 1438
24 Month EZ Saver
$25
2.75%
▼ 0.07% below Indiana avg
▼
Rate2.72%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▼ 0.07% below avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 9 times
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
502 Henry St, New Haven, IN 46774 1438
Traditional and Roth IRA 24 Month EZ Saver
$25
2.75%
▼ 0.07% below Indiana avg
▼
Rate2.72%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▼ 0.07% below avgNationally 2.90%
Details
Traditional and Roth IRA fixed rate; dividend rate compounded quarterly; membership at ProFed is required; to obtain the disclosed APY you must maintain the minimum daily balance disclosed on your IRA Certificate
Rate History
No change since Oct 15, 2026 · 2.75% APY · checked 2 times
Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
10915 Isabelle Dr, New Haven, IN 46774 2000
24 Month Certificate
$1,000
2.50%
▼ 0.32% below Indiana avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▼ 0.32% below avgNationally 2.90%
Details
Early withdrawal penalty: equivalent of 180 days' dividends
Rate History
1 change since Sep 20, 2026 · 2.00% → 2.50% ▲ 0.50 pts · high 2.50% / low 2.00%
- Oct 15, 20262.50%▲ from 2.00%
- Sep 20, 20262.00%first recorded
Midwest America Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
321 Lincoln Hwy W, New Haven, IN 46774 2161
24 Month Share/IRA Certificate - Relationship Perks
$0
1.95%
▼ 0.87% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▼ 0.87% below avgNationally 2.90%
Details
APY (w/ Relationship Perks); Regular Certificates; Dividend Distribution: Monthly; requires active checking account open 30+ days with 5+ transactions in most recent month
Rate History
No change since Oct 19, 2026 · 1.95% APY
Midwest America Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
321 Lincoln Hwy W, New Haven, IN 46774 2161
24 Month Share/IRA Certificate
$0
1.75%
▼ 1.07% below Indiana avg
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▼ 1.07% below avgNationally 2.90%
Details
Regular Certificates; Dividend Distribution: Monthly
Rate History
No change since Oct 19, 2026 · 1.75% APY
1st Source Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
902 Lincoln Hwy E, New Haven, IN 46774
CD - 2 year
$500
0.37%
▼ 2.45% below Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▼ 2.45% below avgNationally 2.90%
Details
APY effective as of Oct 21, 2026
Rate History
No change since Oct 22, 2026 · 0.37% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
Certificate of Deposit - 24 Months
$1,000
0.03%
▼ 2.79% below Indiana avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▼ 2.79% below avgNationally 2.90%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
IRA CD 24 Months
$250
0.03%
▼ 2.79% below Indiana avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▼ 2.79% below avgNationally 2.90%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
Certificate of Deposit - 24 Months
$1,000
0.02%
▼ 2.80% below Indiana avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▼ 2.80% below avgNationally 2.90%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
IRA CD 24 Months
$250
0.02%
▼ 2.80% below Indiana avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▼ 2.80% below avgNationally 2.90%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
Certificate of Deposit - 24 Months
$1,000
0.01%
▼ 2.81% below Indiana avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▼ 2.81% below avgNationally 2.90%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
IRA CD 24 Months
$250
0.01%
▼ 2.81% below Indiana avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▼ 2.81% below avgNationally 2.90%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24-Month IRA
$0
4.81%
▲ 1.99% above Indiana avg
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.99% above avgNationally 2.90%
Details
Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
- Oct 8, 20264.81%▲ from 4.34%
- Sep 16, 20264.34%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 24 Months
$500
4.55%
▲ 1.73% above Indiana avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.73% above avgNationally 2.90%
Details
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rate History
No change since Oct 15, 2026 · 4.55% APY · checked 2 times
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Savers Certificate - 24 Months
$50
4.45%
▲ 1.63% above Indiana avg
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.63% above avgNationally 2.90%
Details
Dividend Rate: T-Bill + 0.25%; Rate Type: Variable
Rate History
1 change since Sep 14, 2026 · 4.13% → 4.45% ▲ 0.32 pts · high 4.45% / low 4.13%
- Oct 5, 20264.45%▲ from 4.13%
- Sep 14, 20264.13%first recorded
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
CW Certificates - 24 Months
$1,000
4.15%
▲ 1.33% above Indiana avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▲ 1.33% above avgNationally 2.90%
Details
Term Share Certificate; dividends paid at end of each month; early withdrawal penalty applies (2 times current APR)
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Share Certificates - 24 Month
$0
4.15%
▲ 1.33% above Indiana avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.33% above avgNationally 2.90%
Details
Minimum deposit tier: $100,000
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
24 Mo. Certificate
$1,000
4.13%
▲ 1.31% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.31% above avgNationally 2.90%
Details
Dividends compounded monthly
Rate History
1 change since Sep 18, 2026 · 3.71% → 4.13% ▲ 0.42 pts · high 4.13% / low 3.71%
- Oct 14, 20264.13%▲ from 3.71%
- Sep 18, 20263.71%first recorded
First Internet Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
24 Month Certificate of Deposit
$0
4.00%
▲ 1.18% above Indiana avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.90%
Details
Interest compounded monthly; Early withdrawal penalty: 360 days worth of interest; Auto-renews at maturity
Rate History
1 change since Sep 9, 2026 · 3.30% → 4.00% ▲ 0.70 pts · high 4.00% / low 3.30%
- Oct 22, 20264.00%▲ from 3.30%
- Sep 9, 20263.30%first recorded
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
24 Month CD Special
$500
4.00%
▲ 1.18% above Indiana avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.90%
Details
Special; offer requires new money - funds not on deposit at Civista; Minimum balance to obtain APY: $500
Rate History
No change since Sep 9, 2026 · 4.00% APY · checked 9 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificate of Deposit - 24 Month
$1,000
4.00%
▲ 1.18% above Indiana avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.90%
Details
Partial withdrawals allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 24 Month
$1,000
4.00%
▲ 1.18% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.90%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 21, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 24-Month
$1,000
4.00%
▲ 1.18% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.90%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 7, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA Certificate - 24-Month
$1,000
4.00%
▲ 1.18% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.90%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
24 Month Advantage
$2,500
4.00%
▲ 1.18% above Indiana avg
▼
Rate3.94%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.90%
Details
Special Rates; Early withdrawal penalty may apply; Requires Garrett State Bank deposit account with direct deposit; Allows one rate increase (bump) during the term
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Oct 15, 20264.00%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
24 Month IRA CD
$500
4.00%
▲ 1.18% above Indiana avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.90%
Details
Early withdrawal penalty may be imposed
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Oct 15, 20264.00%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
IRA Certificate - 2 Year
$500
4.00%
▲ 1.18% above Indiana avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Share Certificates - 24 Month
$0
4.00%
▲ 1.18% above Indiana avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.90%
Details
Minimum deposit tier: $500
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
24 Month IRA Share Certificate
$500
4.00%
▲ 1.18% above Indiana avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.90%
Details
IRA Share Certificate; Dividend rates declared monthly; IRA may be assessed an Annual Fee, Transfer Fee, and Termination Fee
Rate History
1 change since Oct 14, 2026 · 4.20% → 4.00% ▼ 0.20 pts · high 4.20% / low 4.00%
- Oct 19, 20264.00%▼ from 4.20%
- Oct 14, 20264.20%first recorded
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
24 Month Share Certificate
$500
4.00%
▲ 1.18% above Indiana avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.18% above avgNationally 2.90%
Details
Dividend rates declared monthly
Rate History
No change since Oct 19, 2026 · 4.00% APY
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Business Step Up Certificates - 2 Year
$1,000
3.90%
▲ 1.08% above Indiana avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▲ 1.08% above avgNationally 2.90%
Details
Penalty for early withdrawal. Fees may reduce earnings. Minimum $1000.00 deposit.
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 5 times
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
24 Month Certificates
$0
3.85%
▲ 1.03% above Indiana avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 1.03% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Certificates - 2 Year
$200
3.80%
▲ 0.98% above Indiana avg
▼
Rate3.74%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.82%▲ 0.98% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 8 times
Napoleon State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.53%
1 1/2 Year Certificate of Deposit
$0
3.80%
▲ 0.98% above Indiana avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.82%▲ 0.98% above avgNationally 2.90%
Details
Balance: $50,000 and over; Rates Effective: October 21, 2026
Rate History
No change since Oct 21, 2026 · 3.80% APY
La Porte Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.42%
Certificate of Deposit 24 Month Term
$0
3.80%
▲ 0.98% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 0.98% above avgNationally 2.90%
Details
A minimum balance of $500.00 is required for all Certificate of Deposit.
Rate History
No change since Oct 23, 2026 · 3.80% APY
Thrive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
Share Certificate - 24 Months
$0
3.80%
▲ 0.98% above Indiana avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 0.98% above avgNationally 2.90%
Details
Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Roth Executive IRA Certificate
$100,000
3.80%
▲ 0.98% above Indiana avg
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 0.98% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Traditional Executive IRA Certificate
$100,000
3.80%
▲ 0.98% above Indiana avg
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 0.98% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
LNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Certificate of Deposit - 2 Years Relationship
$500
3.79%
▲ 0.97% above Indiana avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.82%▲ 0.97% above avgNationally 2.90%
Details
Relationship certificate
Rate History
No change since Oct 20, 2026 · 3.79% APY · checked 2 times
Hoosier United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
24 Month Certificate
$0
3.77%
▲ 0.95% above Indiana avg
▼
Rate3.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 0.95% above avgNationally 2.90%
Details
Minimum balance required for 6, 12, 18, and 24 month CD is $1,000; rate locked for term; early withdrawal penalty applies
Rate History
5 changes since Sep 14, 2026 · 3.42% → 3.77% ▲ 0.35 pts · high 3.93% / low 3.42%
- Oct 19, 20263.77%▼ from 3.82%
- Oct 10, 20263.82%▼ from 3.93%
- Oct 1, 20263.93%▲ from 3.42%
- Sep 22, 20263.42%▼ from 3.53%
Napoleon State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.53%
1 1/2 Year Certificate of Deposit
$500
3.75%
▲ 0.93% above Indiana avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.82%▲ 0.93% above avgNationally 2.90%
Details
Minimum $500.00; Rates Effective: October 21, 2026
Rate History
No change since Oct 21, 2026 · 3.75% APY
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
24 Month Certificate
$5,000
3.75%
▲ 0.93% above Indiana avg
▼
Rate3.70%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.82%▲ 0.93% above avgNationally 2.90%
Details
Daily compounding. IRA funds permitted. No business funds permitted
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 6 times
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
24 Month Regular
$500
3.75%
▲ 0.93% above Indiana avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 0.93% above avgNationally 2.90%
Details
Regular Rates; early withdrawal penalty may be imposed
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
- Oct 15, 20263.75%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Dubois-Pike Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
24 Month Share Certificate
$1,000
3.75%
▲ 0.93% above Indiana avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.82%▲ 0.93% above avgNationally 2.90%
Details
$1,000 minimum deposit
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 11 times
Montana Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
Share Certificate - 2 years
$1,000
3.75%
▲ 0.93% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.82%▲ 0.93% above avgNationally 2.90%
Details
$1,000 minimum deposit. Penalty for early withdrawal.
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 19, 20263.75%▲ from 3.25%
- Sep 14, 20263.25%first recorded
New Haven 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Summit Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
104 Lincoln Hwy W, New Haven, IN 46774 2158
Certificate - 3 years
$0
4.10%
▲ 1.32% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 1.32% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
- Oct 5, 20264.10%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
10915 Isabelle Dr, New Haven, IN 46774 2000
36 Month Certificate
$1,000
3.50%
▲ 0.72% above Indiana avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.72% above avgNationally 2.81%
Details
Early withdrawal penalty: equivalent of 180 days' dividends
Rate History
1 change since Sep 20, 2026 · 2.25% → 3.50% ▲ 1.25 pts · high 3.50% / low 2.25%
- Oct 15, 20263.50%▲ from 2.25%
- Sep 20, 20262.25%first recorded
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
502 Henry St, New Haven, IN 46774 1438
Traditional and Roth IRA 36 Months
$1,000
3.25%
▲ 0.47% above Indiana avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.47% above avgNationally 2.81%
Details
Traditional and Roth IRA fixed rate; dividend rate compounded quarterly; membership at ProFed is required
Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
502 Henry St, New Haven, IN 46774 1438
36 Month Certificate
$500
2.75%
▼ 0.03% below Indiana avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▼ 0.03% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 9 times
Midwest America Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
321 Lincoln Hwy W, New Haven, IN 46774 2161
36 Month Share/IRA Certificate - Relationship Perks
$0
1.95%
▼ 0.83% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.78%▼ 0.83% below avgNationally 2.81%
Details
APY (w/ Relationship Perks); Regular Certificates; Dividend Distribution: Monthly; requires active checking account open 30+ days with 5+ transactions in most recent month
Rate History
No change since Oct 19, 2026 · 1.95% APY
Midwest America Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
321 Lincoln Hwy W, New Haven, IN 46774 2161
36 Month Share/IRA Certificate
$0
1.75%
▼ 1.03% below Indiana avg
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.78%▼ 1.03% below avgNationally 2.81%
Details
Regular Certificates; Dividend Distribution: Monthly
Rate History
No change since Oct 19, 2026 · 1.75% APY
1st Source Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
902 Lincoln Hwy E, New Haven, IN 46774
CD - 3 year
$500
0.50%
▼ 2.28% below Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.78%▼ 2.28% below avgNationally 2.81%
Details
APY effective as of Oct 21, 2026
Rate History
No change since Oct 22, 2026 · 0.50% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
Certificate of Deposit - 36 Months
$1,000
0.03%
▼ 2.75% below Indiana avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.78%▼ 2.75% below avgNationally 2.81%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
IRA CD 36 Months
$250
0.03%
▼ 2.75% below Indiana avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.78%▼ 2.75% below avgNationally 2.81%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
Certificate of Deposit - 36 Months
$1,000
0.02%
▼ 2.76% below Indiana avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.78%▼ 2.76% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
IRA CD 36 Months
$250
0.02%
▼ 2.76% below Indiana avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.78%▼ 2.76% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
Certificate of Deposit - 36 Months
$1,000
0.01%
▼ 2.77% below Indiana avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.78%▼ 2.77% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
IRA CD 36 Months
$250
0.01%
▼ 2.77% below Indiana avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.78%▼ 2.77% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 36 Months
$500
4.71%
▲ 1.93% above Indiana avg
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 1.93% above avgNationally 2.81%
Details
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rate History
No change since Oct 15, 2026 · 4.71% APY · checked 2 times
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
36-Month CD
$0
4.40%
▲ 1.62% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.78%▲ 1.62% above avgNationally 2.81%
Details
Current CD Rate Promotion; APY accurate as of 10/13/2026. Terms and conditions apply.
Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
36 Month Certificate of Deposit
$1,000
4.32%
▲ 1.54% above Indiana avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.78%▲ 1.54% above avgNationally 2.81%
Details
Rate History
2 changes since Sep 11, 2026 · 3.03% → 4.32% ▲ 1.29 pts · high 4.32% / low 3.03%
- Oct 3, 20264.32%▲ from 3.80%
- Sep 24, 20263.80%▲ from 3.03%
- Sep 11, 20263.03%first recorded
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
IRA 36 Month Fixed Rate
$1,000
4.32%
▲ 1.54% above Indiana avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.78%▲ 1.54% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 4.32% APY · checked 2 times
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
36 Month Advantage
$2,500
4.25%
▲ 1.47% above Indiana avg
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 1.47% above avgNationally 2.81%
Details
Special Rates; Early withdrawal penalty may apply; Requires Garrett State Bank deposit account with direct deposit; Allows two rate changes (bumps) during the term
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 15, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
36 Month IRA CD
$500
4.25%
▲ 1.47% above Indiana avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 1.47% above avgNationally 2.81%
Details
Early withdrawal penalty may be imposed
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 15, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
36 Mo. Certificate
$1,000
4.18%
▲ 1.40% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.78%▲ 1.40% above avgNationally 2.81%
Details
Dividends compounded monthly
Rate History
1 change since Sep 18, 2026 · 3.76% → 4.19% ▲ 0.42 pts · high 4.19% / low 3.76%
- Oct 14, 20264.19%▲ from 3.76%
- Sep 18, 20263.76%first recorded
Dubois-Pike Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
36 Month Share Certificate
$1,000
4.16%
▲ 1.38% above Indiana avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 1.38% above avgNationally 2.81%
Details
$1,000 minimum deposit
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.16% ▲ 0.36 pts · high 4.16% / low 3.80%
- Oct 13, 20264.16%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificate of Deposit - 36 Month
$1,000
4.15%
▲ 1.37% above Indiana avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.78%▲ 1.37% above avgNationally 2.81%
Details
Partial withdrawals allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 36 Month
$1,000
4.15%
▲ 1.37% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.78%▲ 1.37% above avgNationally 2.81%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 21, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 36-Month
$1,000
4.15%
▲ 1.37% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.78%▲ 1.37% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA Certificate - 36-Month
$1,000
4.15%
▲ 1.37% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.78%▲ 1.37% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
36 Month IRA Share Certificate
$500
4.10%
▲ 1.32% above Indiana avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.78%▲ 1.32% above avgNationally 2.81%
Details
IRA Share Certificate; Dividend rates declared monthly; IRA may be assessed an Annual Fee, Transfer Fee, and Termination Fee
Rate History
1 change since Oct 14, 2026 · 4.25% → 4.10% ▼ 0.15 pts · high 4.25% / low 4.10%
- Oct 19, 20264.10%▼ from 4.25%
- Oct 14, 20264.25%first recorded
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
36 Month Share Certificate
$500
4.10%
▲ 1.32% above Indiana avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.78%▲ 1.32% above avgNationally 2.81%
Details
Dividend rates declared monthly
Rate History
No change since Oct 19, 2026 · 4.10% APY
First Internet Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
36 Month Certificate of Deposit
$0
4.00%
▲ 1.22% above Indiana avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.78%▲ 1.22% above avgNationally 2.81%
Details
Interest compounded monthly; early withdrawal penalty of 360 days worth of interest; automatically renews at maturity with 10-day grace period
Rate History
1 change since Sep 9, 2026 · 3.30% → 4.00% ▲ 0.70 pts · high 4.00% / low 3.30%
- Oct 22, 20264.00%▲ from 3.30%
- Sep 9, 20263.30%first recorded
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
CW Certificates - 36 Months
$1,000
4.00%
▲ 1.22% above Indiana avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.78%▲ 1.22% above avgNationally 2.81%
Details
Term Share Certificate; dividends paid at end of each month; early withdrawal penalty applies (2 times current APR)
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
36 Month CD Special
$500
4.00%
▲ 1.22% above Indiana avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.78%▲ 1.22% above avgNationally 2.81%
Details
Special; offer requires new money - funds not on deposit at Civista; Minimum balance to obtain APY: $500
Rate History
No change since Sep 9, 2026 · 4.00% APY · checked 9 times
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
36 Month Regular
$500
4.00%
▲ 1.22% above Indiana avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 1.22% above avgNationally 2.81%
Details
Regular Rates; early withdrawal penalty may be imposed
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 15, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Thrive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
Share Certificate - 36 Months
$0
3.96%
▲ 1.18% above Indiana avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 1.18% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 3.96% APY · checked 2 times
La Porte Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.42%
Certificate of Deposit 36 Month Term
$0
3.90%
▲ 1.12% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 1.12% above avgNationally 2.81%
Details
A minimum balance of $500.00 is required for all Certificate of Deposit.
Rate History
No change since Oct 23, 2026 · 3.90% APY
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
36 Month Certificates
$0
3.90%
▲ 1.12% above Indiana avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.78%▲ 1.12% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Certificates - 3 Year
$200
3.85%
▲ 1.07% above Indiana avg
▼
Rate3.78%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.78%▲ 1.07% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 8 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
36 Month Share Certificates
$0
3.60%
▲ 0.82% above Indiana avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.82% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Share Certificate - 36 Months
$500
3.60%
▲ 0.82% above Indiana avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.82% above avgNationally 2.81%
Details
Rate History
No change since Oct 15, 2026 · 3.60% APY · checked 2 times
South Bend Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
36 Month Certificate
$1,000
3.56%
▲ 0.78% above Indiana avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.78% above avgNationally 2.81%
Details
Certificates effective 01/29/2026; Early withdrawal penalty: forfeit 180 days dividend
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 8 times
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Certificates of Deposit - 36 Month
$500
3.55%
▲ 0.77% above Indiana avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.77% above avgNationally 2.81%
Details
Rates effective as of 2/9/2026
Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year Roth Executive IRA Certificate
$100,000
3.55%
▲ 0.77% above Indiana avg
▼
Rate3.48%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.77% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year Traditional Executive IRA Certificate
$100,000
3.55%
▲ 0.77% above Indiana avg
▼
Rate3.48%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.77% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
36 Month Share Certificates
$0
3.55%
▲ 0.77% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.78%▲ 0.77% above avgNationally 2.81%
Details
Balance: $200 - $4999; Penalty: 6 Month
Rate History
No change since Sep 27, 2026 · 3.55% APY · checked 5 times
LNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Certificate of Deposit - 3 Years Relationship
$500
3.53%
▲ 0.75% above Indiana avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.78%▲ 0.75% above avgNationally 2.81%
Details
Relationship certificate
Rate History
1 change since Oct 14, 2026 · 3.50% → 3.53% ▲ 0.03 pts · high 3.53% / low 3.50%
- Oct 20, 20263.53%▲ from 3.50%
- Oct 14, 20263.50%first recorded
Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
36-Month CD Special
$1,000
3.50%
▲ 0.72% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.78%▲ 0.72% above avgNationally 2.81%
Details
Maximum balance: No maximum balance; at maturity renews as a 36 month CD; APY assumes interest remains on deposit until maturity; limited time offer
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
Logansport Savings Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.53%
Certificate 36 Months
$0
3.50%
▲ 0.72% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.78%▲ 0.72% above avgNationally 2.81%
Details
Rate-APY range: 3.50% - 3.55%; Penalty: 18 Months
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
CD Specials - 36 Month
$0
3.50%
▲ 0.72% above Indiana avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.72% above avgNationally 2.81%
Details
CD Specials
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
CF Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Certificate of Deposit - 36 Month
$10,000
3.50%
▲ 0.72% above Indiana avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.72% above avgNationally 2.81%
Details
New accounts only with $10,000 new money deposit; offers effective 4/20/26; early withdrawal penalty applies
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
IRA Share Certificate - 36 Month IRA CD
$0
3.50%
▲ 0.72% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.72% above avgNationally 2.81%
Details
Effective January 24, 2023; Management has discretion to match local rate offerings; Early withdrawal penalties apply
Rate History
No change since Oct 23, 2026 · 3.50% APY
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
Share Certificate - 36 Month
$10,000
3.50%
▲ 0.72% above Indiana avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.78%▲ 0.72% above avgNationally 2.81%
Details
Effective January 24, 2023; $10,000.00 minimum balance required; Early withdrawal penalties apply
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 2 times
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
36 Month Certificate
$500
3.50%
▲ 0.72% above Indiana avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.78%▲ 0.72% above avgNationally 2.81%
Details
Rates as of 10/1/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
New Haven 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Summit Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
104 Lincoln Hwy W, New Haven, IN 46774 2158
Certificate - 4 years
$0
4.15%
▲ 1.46% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.46% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
- Oct 5, 20264.15%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
10915 Isabelle Dr, New Haven, IN 46774 2000
48 Month Certificate
$1,000
2.75%
▲ 0.06% above Indiana avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.06% above avgNationally 2.81%
Details
Early withdrawal penalty: equivalent of 365 days' dividends
Rate History
1 change since Sep 20, 2026 · 2.25% → 2.75% ▲ 0.50 pts · high 2.75% / low 2.25%
- Oct 15, 20262.75%▲ from 2.25%
- Sep 20, 20262.25%first recorded
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
502 Henry St, New Haven, IN 46774 1438
48 Month Certificate
$500
2.75%
▲ 0.06% above Indiana avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.06% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 9 times
Midwest America Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
321 Lincoln Hwy W, New Haven, IN 46774 2161
48 Month Share/IRA Certificate - Relationship Perks
$0
1.95%
▼ 0.74% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▼ 0.74% below avgNationally 2.81%
Details
APY (w/ Relationship Perks); Regular Certificates; Dividend Distribution: Monthly; requires active checking account open 30+ days with 5+ transactions in most recent month
Rate History
No change since Oct 19, 2026 · 1.95% APY
Midwest America Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
321 Lincoln Hwy W, New Haven, IN 46774 2161
48 Month Share/IRA Certificate
$0
1.75%
▼ 0.94% below Indiana avg
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▼ 0.94% below avgNationally 2.81%
Details
Regular Certificates; Dividend Distribution: Monthly
Rate History
No change since Oct 19, 2026 · 1.75% APY
1st Source Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
902 Lincoln Hwy E, New Haven, IN 46774
CD - 4 year
$500
0.55%
▼ 2.14% below Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▼ 2.14% below avgNationally 2.81%
Details
APY effective as of Oct 21, 2026
Rate History
No change since Oct 22, 2026 · 0.55% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
Certificate of Deposit - 48 Months
$1,000
0.03%
▼ 2.66% below Indiana avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.69%▼ 2.66% below avgNationally 2.81%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
IRA CD 48 Months
$250
0.03%
▼ 2.66% below Indiana avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.69%▼ 2.66% below avgNationally 2.81%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
Certificate of Deposit - 48 Months
$1,000
0.02%
▼ 2.67% below Indiana avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.69%▼ 2.67% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
IRA CD 48 Months
$250
0.02%
▼ 2.67% below Indiana avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.69%▼ 2.67% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
Certificate of Deposit - 48 Months
$1,000
0.01%
▼ 2.68% below Indiana avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.69%▼ 2.68% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
IRA CD 48 Months
$250
0.01%
▼ 2.68% below Indiana avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.69%▼ 2.68% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
48 Month Certificate of Deposit
$1,000
4.83%
▲ 2.14% above Indiana avg
▼
Rate4.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.69%▲ 2.14% above avgNationally 2.81%
Details
Rate History
2 changes since Sep 11, 2026 · 3.29% → 4.83% ▲ 1.54 pts · high 4.83% / low 3.29%
- Oct 3, 20264.83%▲ from 4.32%
- Sep 24, 20264.32%▲ from 3.29%
- Sep 11, 20263.29%first recorded
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
IRA 48 Month Fixed Rate
$1,000
4.83%
▲ 2.14% above Indiana avg
▼
Rate4.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.69%▲ 2.14% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 4.83% APY · checked 2 times
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
48 Mo. Certificate
$1,000
4.24%
▲ 1.55% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 1.55% above avgNationally 2.81%
Details
Dividends compounded monthly
Rate History
1 change since Sep 18, 2026 · 3.61% → 4.24% ▲ 0.62 pts · high 4.24% / low 3.61%
- Oct 14, 20264.24%▲ from 3.61%
- Sep 18, 20263.61%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificate of Deposit - 48 Month
$1,000
4.15%
▲ 1.46% above Indiana avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.46% above avgNationally 2.81%
Details
Partial withdrawals allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 48 Month
$1,000
4.15%
▲ 1.46% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.46% above avgNationally 2.81%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 21, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 48-Month
$1,000
4.15%
▲ 1.46% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.46% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA Certificate - 48-Month
$1,000
4.15%
▲ 1.46% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.46% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
48 Month IRA Share Certificate
$500
4.15%
▲ 1.46% above Indiana avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 1.46% above avgNationally 2.81%
Details
IRA Share Certificate; Dividend rates declared monthly; IRA may be assessed an Annual Fee, Transfer Fee, and Termination Fee
Rate History
1 change since Oct 14, 2026 · 4.30% → 4.15% ▼ 0.15 pts · high 4.30% / low 4.15%
- Oct 19, 20264.15%▼ from 4.30%
- Oct 14, 20264.30%first recorded
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
48 Month Share Certificate
$500
4.15%
▲ 1.46% above Indiana avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 1.46% above avgNationally 2.81%
Details
Dividend rates declared monthly
Rate History
No change since Oct 19, 2026 · 4.15% APY
Thrive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
Share Certificate - 48 Months
$0
4.06%
▲ 1.37% above Indiana avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.37% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 4.06% APY · checked 2 times
First Internet Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
48 Month Certificate of Deposit
$0
4.00%
▲ 1.31% above Indiana avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.81%
Details
Interest compounded monthly; Early withdrawal penalty: 360 days worth of interest; Auto-renews at maturity; 10-day grace period; Funding: 60 day hold on ACH deposits
Rate History
1 change since Sep 9, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
- Oct 22, 20264.00%▲ from 3.45%
- Sep 9, 20263.45%first recorded
La Porte Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.42%
Certificate of Deposit 48 Month Term
$0
4.00%
▲ 1.31% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.31% above avgNationally 2.81%
Details
A minimum balance of $500.00 is required for all Certificate of Deposit.
Rate History
No change since Oct 23, 2026 · 4.00% APY
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
48 Month Certificates
$0
3.95%
▲ 1.26% above Indiana avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 1.26% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Certificates - 4 Year
$200
3.90%
▲ 1.21% above Indiana avg
▼
Rate3.83%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.69%▲ 1.21% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 8 times
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
CW Certificates - 48 Months
$1,000
3.85%
▲ 1.16% above Indiana avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.69%▲ 1.16% above avgNationally 2.81%
Details
Term Share Certificate; dividends paid at end of each month; early withdrawal penalty applies (2 times current APR)
Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 2 times
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
IRA Share Certificate - 48 Month IRA CD
$0
3.75%
▲ 1.06% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.06% above avgNationally 2.81%
Details
Effective January 24, 2023; Management has discretion to match local rate offerings; Early withdrawal penalties apply
Rate History
No change since Oct 23, 2026 · 3.75% APY
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
Share Certificate - 48 Month
$10,000
3.75%
▲ 1.06% above Indiana avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 1.06% above avgNationally 2.81%
Details
Effective January 24, 2023; $10,000.00 minimum balance required; Early withdrawal penalties apply
Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 2 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
48 Month Share Certificates
$0
3.65%
▲ 0.96% above Indiana avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.96% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Share Certificate - 48 Months
$500
3.65%
▲ 0.96% above Indiana avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.96% above avgNationally 2.81%
Details
Rate History
No change since Oct 15, 2026 · 3.65% APY · checked 2 times
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
48 Month Share Certificates
$0
3.60%
▲ 0.91% above Indiana avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 0.91% above avgNationally 2.81%
Details
Balance: $200 - $4999; Penalty: 6 Month
Rate History
No change since Sep 27, 2026 · 3.60% APY · checked 5 times
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
48 Month Certificate
$10,000
3.56%
▲ 0.87% above Indiana avg
▼
Rate3.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 0.87% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.56% APY · checked 2 times
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Certificates of Deposit - 48 Month
$500
3.55%
▲ 0.86% above Indiana avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.86% above avgNationally 2.81%
Details
Rates effective as of 2/9/2026
Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
IRA Certificate - 4 Year Fixed
$0
3.55%
▲ 0.86% above Indiana avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.86% above avgNationally 2.81%
Details
Individual Retirement Account; fixed rate; * footnote applies
Rate History
No change since Oct 23, 2026 · 3.55% APY
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Share Certificate - 48 Months
$0
3.55%
▲ 0.86% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 0.86% above avgNationally 2.81%
Details
Balance: $50,000 & Over
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 2 times
Dubois-Pike Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
48 Month Share Certificate
$1,000
3.54%
▲ 0.85% above Indiana avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.85% above avgNationally 2.81%
Details
$1,000 minimum deposit
Rate History
1 change since Sep 14, 2026 · 3.39% → 3.54% ▲ 0.15 pts · high 3.54% / low 3.39%
- Oct 13, 20263.54%▲ from 3.39%
- Sep 14, 20263.39%first recorded
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate
$100,000
3.50%
▲ 0.81% above Indiana avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.81% above avgNationally 2.81%
Details
Compounded quarterly
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 3 times
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Traditional Certificate
$100,000
3.50%
▲ 0.81% above Indiana avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.81% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 3 times
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Certificate 4 Year
$0
3.50%
▲ 0.81% above Indiana avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.81% above avgNationally 2.81%
Details
Certificate Rates; fixed rate certificate
Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 6 times
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
48 Month Traditional Certificate
$100,000
3.50%
▲ 0.81% above Indiana avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.81% above avgNationally 2.81%
Details
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 3 times
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
48 Month Certificate
$500
3.50%
▲ 0.81% above Indiana avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 0.81% above avgNationally 2.81%
Details
Rates as of 10/1/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
4 Year Share Certificate
$0
3.50%
▲ 0.81% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 0.81% above avgNationally 2.81%
Details
Penalty may apply for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
48 Month Share Certificates - IRA Traditional
$0
3.50%
▲ 0.81% above Indiana avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.69%▲ 0.81% above avgNationally 2.81%
Details
IRA withdrawals may be subject to IRS penalties
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate
$500
3.45%
▲ 0.76% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.76% above avgNationally 2.81%
Details
Compounded quarterly
Rate History
No change since Oct 14, 2026 · 3.45% APY · checked 3 times
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Traditional Certificate
$500
3.45%
▲ 0.76% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.76% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.45% APY · checked 3 times
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
48 Month Traditional Certificate
$500
3.45%
▲ 0.76% above Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.76% above avgNationally 2.81%
Details
Rate History
No change since Oct 12, 2026 · 3.45% APY · checked 3 times
Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Certificate of Deposit - 4 year
$500
3.44%
▲ 0.75% above Indiana avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.69%▲ 0.75% above avgNationally 2.81%
Details
Early withdrawal penalty may apply
Rate History
1 change since Sep 19, 2026 · 3.34% → 3.44% ▲ 0.10 pts · high 3.44% / low 3.34%
- Sep 24, 20263.44%▲ from 3.34%
- Sep 19, 20263.34%first recorded
Diamond Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
4 Year Certificate
$0
3.42%
▲ 0.73% above Indiana avg
▼
Rate3.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.69%▲ 0.73% above avgNationally 2.81%
Details
Certificate is non-renewable.
Rate History
1 change since Sep 21, 2026 · 3.03% → 3.42% ▲ 0.39 pts · high 3.42% / low 3.03%
- Oct 5, 20263.42%▲ from 3.03%
- Sep 21, 20263.03%first recorded
Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
48 Month CD
$500
3.41%
▲ 0.72% above Indiana avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.69%▲ 0.72% above avgNationally 2.81%
Details
Balance Required to Attain Yield: $500; Interest paid: Monthly
Rate History
No change since Sep 19, 2026 · 3.41% APY · checked 7 times
New Haven 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Summit Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
104 Lincoln Hwy W, New Haven, IN 46774 2158
Certificate - 5 years +
$0
4.20%
▲ 1.41% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 1.41% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 13, 20264.20%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
10915 Isabelle Dr, New Haven, IN 46774 2000
60 Month Certificate
$1,000
3.00%
▲ 0.21% above Indiana avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 0.21% above avgNationally 2.92%
Details
Early withdrawal penalty: equivalent of 365 days' dividends
Rate History
1 change since Sep 20, 2026 · 2.50% → 3.00% ▲ 0.50 pts · high 3.00% / low 2.50%
- Oct 15, 20263.00%▲ from 2.50%
- Sep 20, 20262.50%first recorded
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
502 Henry St, New Haven, IN 46774 1438
60 Month Certificate
$500
2.75%
▼ 0.04% below Indiana avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▼ 0.04% below avgNationally 2.92%
Details
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
502 Henry St, New Haven, IN 46774 1438
Traditional and Roth IRA 60 Months
$1,000
2.75%
▼ 0.04% below Indiana avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▼ 0.04% below avgNationally 2.92%
Details
Traditional and Roth IRA fixed rate; dividend rate compounded quarterly; membership at ProFed is required
Rate History
No change since Oct 15, 2026 · 2.75% APY · checked 2 times
Midwest America Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
321 Lincoln Hwy W, New Haven, IN 46774 2161
60 Month Share/IRA Certificate - Relationship Perks
$0
1.95%
▼ 0.84% below Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▼ 0.84% below avgNationally 2.92%
Details
APY (w/ Relationship Perks); Regular Certificates; Dividend Distribution: Monthly; requires active checking account open 30+ days with 5+ transactions in most recent month
Rate History
No change since Oct 19, 2026 · 1.95% APY
Midwest America Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
321 Lincoln Hwy W, New Haven, IN 46774 2161
60 Month Share/IRA Certificate
$0
1.75%
▼ 1.04% below Indiana avg
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▼ 1.04% below avgNationally 2.92%
Details
Regular Certificates; Dividend Distribution: Monthly
Rate History
No change since Oct 19, 2026 · 1.75% APY
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
502 Henry St, New Haven, IN 46774 1438
Traditional IRA 60 Month Variable Rate Share Certificate
$1,000
1.50%
▼ 1.29% below Indiana avg
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▼ 1.29% below avgNationally 2.92%
Details
Variable rate IRA certificate; to obtain the disclosed annual percentage yield, maintain the minimum daily balance disclosed on the IRA Certificate; second rate column is labeled Dividend Rate (Compounded Quarterly) on the page and is reported as apy
Rate History
3 changes since Sep 14, 2026 · 1.49% → 1.50% ▲ 0.01 pts · high 1.50% / low 1.49%
- Oct 13, 20261.50%▲ from 1.49%
- Oct 5, 20261.49%▼ from 1.50%
- Sep 18, 20261.50%▲ from 1.49%
- Sep 14, 20261.49%first recorded
1st Source Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
902 Lincoln Hwy E, New Haven, IN 46774
CD - 5 year
$500
0.65%
▼ 2.14% below Indiana avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.79%▼ 2.14% below avgNationally 2.92%
Details
APY effective as of Oct 21, 2026
Rate History
No change since Oct 22, 2026 · 0.65% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
Certificate of Deposit - 60 Months
$1,000
0.03%
▼ 2.76% below Indiana avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▼ 2.76% below avgNationally 2.92%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
IRA CD 60 Months
$250
0.03%
▼ 2.76% below Indiana avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▼ 2.76% below avgNationally 2.92%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
Certificate of Deposit - 60 Months
$1,000
0.02%
▼ 2.77% below Indiana avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▼ 2.77% below avgNationally 2.92%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
IRA CD 60 Months
$250
0.02%
▼ 2.77% below Indiana avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▼ 2.77% below avgNationally 2.92%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
Certificate of Deposit - 60 Months
$1,000
0.01%
▼ 2.78% below Indiana avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▼ 2.78% below avgNationally 2.92%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
411 Lincoln Hwy W, New Haven, IN 46774
IRA CD 60 Months
$250
0.01%
▼ 2.78% below Indiana avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▼ 2.78% below avgNationally 2.92%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
60 Month Certificate of Deposit
$1,000
5.09%
▲ 2.30% above Indiana avg
▼
Rate5.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.79%▲ 2.30% above avgNationally 2.92%
Details
Rate History
2 changes since Sep 11, 2026 · 3.55% → 5.09% ▲ 1.54 pts · high 5.09% / low 3.55%
- Oct 3, 20265.09%▲ from 4.58%
- Sep 24, 20264.58%▲ from 3.55%
- Sep 11, 20263.55%first recorded
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
IRA 60 Month Fixed Rate
$1,000
5.09%
▲ 2.30% above Indiana avg
▼
Rate5.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.79%▲ 2.30% above avgNationally 2.92%
Details
Rate History
No change since Oct 20, 2026 · 5.09% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Executive
$0
4.60%
▲ 1.81% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 1.81% above avgNationally 2.92%
Details
Minimum: $100,000; APY based on minimum deposits of at least $500
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
- Oct 23, 20264.60%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth Executive IRA Certificate
$100,000
4.60%
▲ 1.81% above Indiana avg
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 1.81% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
- Oct 15, 20264.60%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth IRA Certificate
$500
4.60%
▲ 1.81% above Indiana avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 1.81% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
- Oct 15, 20264.60%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth Premier IRA Certificate
$10,000
4.60%
▲ 1.81% above Indiana avg
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 1.81% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.60% ▲ 1.10 pts · high 4.60% / low 3.50%
- Oct 15, 20264.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional Executive IRA Certificate
$100,000
4.60%
▲ 1.81% above Indiana avg
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 1.81% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
- Oct 15, 20264.60%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional IRA Certificate
$500
4.60%
▲ 1.81% above Indiana avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 1.81% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
- Oct 15, 20264.60%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional Premier IRA Certificate
$10,000
4.60%
▲ 1.81% above Indiana avg
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 1.81% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.60% ▲ 1.10 pts · high 4.60% / low 3.50%
- Oct 15, 20264.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
60 Mo. Certificate
$1,000
4.29%
▲ 1.50% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 1.50% above avgNationally 2.92%
Details
Dividends compounded monthly
Rate History
1 change since Sep 18, 2026 · 3.82% → 4.29% ▲ 0.47 pts · high 4.29% / low 3.82%
- Oct 14, 20264.29%▲ from 3.82%
- Sep 18, 20263.82%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificate of Deposit - 60 Month
$1,000
4.25%
▲ 1.46% above Indiana avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.79%▲ 1.46% above avgNationally 2.92%
Details
Partial withdrawals allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 60 Month
$1,000
4.25%
▲ 1.46% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.79%▲ 1.46% above avgNationally 2.92%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 21, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 60-Month
$1,000
4.25%
▲ 1.46% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.79%▲ 1.46% above avgNationally 2.92%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 7, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA Certificate - 60-Month
$1,000
4.25%
▲ 1.46% above Indiana avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.79%▲ 1.46% above avgNationally 2.92%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
60 Month IRA Share Certificate
$500
4.20%
▲ 1.41% above Indiana avg
▼
Rate4.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 1.41% above avgNationally 2.92%
Details
IRA Share Certificate; Dividend rates declared monthly; IRA may be assessed an Annual Fee, Transfer Fee, and Termination Fee
Rate History
1 change since Oct 14, 2026 · 4.35% → 4.20% ▼ 0.15 pts · high 4.35% / low 4.20%
- Oct 19, 20264.20%▼ from 4.35%
- Oct 14, 20264.35%first recorded
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
60 Month Share Certificate
$500
4.20%
▲ 1.41% above Indiana avg
▼
Rate4.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 1.41% above avgNationally 2.92%
Details
Dividend rates declared monthly
Rate History
No change since Oct 19, 2026 · 4.20% APY
La Porte Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.42%
Certificate of Deposit 60 Month Term
$0
4.10%
▲ 1.31% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 1.31% above avgNationally 2.92%
Details
A minimum balance of $500.00 is required for all Certificate of Deposit.
Rate History
No change since Oct 23, 2026 · 4.10% APY
Thrive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
Share Certificate - 60 Months
$0
4.10%
▲ 1.31% above Indiana avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 1.31% above avgNationally 2.92%
Details
Rate History
No change since Oct 8, 2026 · 4.10% APY · checked 2 times
LNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Certificate of Deposit - 5 Years Relationship
$500
4.04%
▲ 1.25% above Indiana avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.79%▲ 1.25% above avgNationally 2.92%
Details
Relationship certificate
Rate History
1 change since Oct 14, 2026 · 4.00% → 4.04% ▲ 0.04 pts · high 4.04% / low 4.00%
- Oct 20, 20264.04%▲ from 4.00%
- Oct 14, 20264.00%first recorded
First Internet Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
60 Month Certificate of Deposit
$0
4.00%
▲ 1.21% above Indiana avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.79%▲ 1.21% above avgNationally 2.92%
Details
Interest compounded monthly; Early withdrawal penalty: 360 days worth of interest; Automatically renews at maturity; Disclosure as of 10/02/2026
Rate History
1 change since Sep 9, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
- Oct 22, 20264.00%▲ from 3.45%
- Sep 9, 20263.45%first recorded
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Certificates - 5 Year
$200
4.00%
▲ 1.21% above Indiana avg
▼
Rate3.93%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▲ 1.21% above avgNationally 2.92%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
IRA Share Certificate - 60 Month IRA CD
$0
4.00%
▲ 1.21% above Indiana avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 1.21% above avgNationally 2.92%
Details
Effective January 24, 2023; Management has discretion to match local rate offerings; Early withdrawal penalties apply
Rate History
No change since Oct 23, 2026 · 4.00% APY
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
Share Certificate - 60 Month
$10,000
4.00%
▲ 1.21% above Indiana avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 1.21% above avgNationally 2.92%
Details
Effective January 24, 2023; $10,000.00 minimum balance required; Early withdrawal penalties apply
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
60 Month Certificates
$0
4.00%
▲ 1.21% above Indiana avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 1.21% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
5 Year Share Certificate
$0
4.00%
▲ 1.21% above Indiana avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 1.21% above avgNationally 2.92%
Details
Penalty may apply for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
60 Month Share Certificates - IRA Traditional
$0
4.00%
▲ 1.21% above Indiana avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 1.21% above avgNationally 2.92%
Details
IRA withdrawals may be subject to IRS penalties
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
CW Certificates - 60 Months
$1,000
3.70%
▲ 0.91% above Indiana avg
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Indiana Average2.79%▲ 0.91% above avgNationally 2.92%
Details
Term Share Certificate; dividends paid at end of each month; early withdrawal penalty applies (2 times current APR)
Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 2 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
60 Month Share Certificates
$0
3.70%
▲ 0.91% above Indiana avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 0.91% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Share Certificate - 60 Months
$500
3.70%
▲ 0.91% above Indiana avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 0.91% above avgNationally 2.92%
Details
Rate History
No change since Oct 15, 2026 · 3.70% APY · checked 2 times
Bank of Wolcott
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
60 Month IRA
$1,000
3.60%
▲ 0.81% above Indiana avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Indiana Average2.79%▲ 0.81% above avgNationally 2.92%
Details
Compounding Frequency: Quarterly; Rates effective as of 10/19/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 9 times
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
60 Month Share Certificates
$0
3.60%
▲ 0.81% above Indiana avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 0.81% above avgNationally 2.92%
Details
Balance: $500 - $4999; Penalty: 6 Month
Rate History
No change since Sep 27, 2026 · 3.60% APY · checked 5 times
LNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Certificate of Deposit - 60 Months and >
$10,000
3.56%
▲ 0.77% above Indiana avg
▼
Rate3.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Indiana Average2.79%▲ 0.77% above avgNationally 2.92%
Details
$10M; Balance $10M and over
Rate History
No change since Oct 20, 2026 · 3.56% APY · checked 2 times
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
60 Month Certificate
$10,000
3.56%
▲ 0.77% above Indiana avg
▼
Rate3.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Indiana Average2.79%▲ 0.77% above avgNationally 2.92%
Details
Rate History
No change since Oct 9, 2026 · 3.56% APY · checked 2 times
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$100,000
3.55%
▲ 0.76% above Indiana avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 0.76% above avgNationally 2.92%
Details
Compounded quarterly
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Traditional Certificate
$100,000
3.55%
▲ 0.76% above Indiana avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 0.76% above avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Certificates of Deposit - 60 Month
$500
3.55%
▲ 0.76% above Indiana avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Indiana Average2.79%▲ 0.76% above avgNationally 2.92%
Details
Rates effective as of 2/9/2026
Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
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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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New Haven, IN CD Rate Trends
Compare local New Haven, 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
2.822%
▲ 0.005 vs 7 days ago
Indiana 12-month CD rates rose 0.005 points over the past 7 days to 2.822% APY.
6-Month CD IN Avg
2.687%
▲ 0.050 vs 7 days ago
Indiana 6-month CD rates rose 0.050 points over the past 7 days to 2.687% APY.
As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions
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IN CD Rate Forecast, Next 12 Months
Where are Indiana CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IN 12-Month Avg APY
2.822%
6-Month Forecast
2.822%
Range: 2.62%, 2.97%
12-Month Forecast
3.072%
Range: 2.87%, 3.22%
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What Your Savings Earn at IN CD Rates Today
Annual interest earnings at today’s Indiana average APYs. State average used where available; national average as fallback.
| CD Term | IN Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.626% | $81.29 | $162.57 | $406.43 | $812.85 |
| 6-Month CD | 2.687% | $134.35 | $268.69 | $671.73 | $1,343.45 |
| 12-Month CD | 2.822% | $141.10 | $282.19 | $705.47 | $1,410.95 |
| 18-Month CD | 2.639% | $131.93 | $263.86 | $659.65 | $1,319.30 |
| 24-Month CD | 2.817% | $140.83 | $281.66 | $704.15 | $1,408.30 |
| 36-Month CD | 2.783% | $139.17 | $278.34 | $695.85 | $1,391.70 |
| 48-Month CD | 2.688% | $134.40 | $268.79 | $671.98 | $1,343.95 |
| 60-Month CD | 2.787% | $139.33 | $278.65 | $696.63 | $1,393.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026. | |||||
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Sample CD Ladder for New Haven, Indiana Savers
$25,000 split equally across 5 terms using today’s Indiana average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | IN Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.626% | $81.29 |
| 2 | 6-Month CD | $5,000 | 2.687% | $134.35 |
| 3 | 12-Month CD | $5,000 | 2.822% | $141.10 |
| 4 | 24-Month CD | $5,000 | 2.817% | $140.83 |
| 5 | 36-Month CD | $5,000 | 2.783% | $139.17 |
| Total ($25,000 invested) | $25,000 | 2.547% blended | $636.74/yr | |
Ladder example uses equal $5,000 rungs and Indiana average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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1,377
CD Rates
Tracked in New Haven, Indiana
Tracked in New Haven, Indiana
51 Banks
86 Credit Unions
About Our New Haven, Indiana CD Rate Database
MonitorBankRates tracks 1,377 CD rates from 51 banks and 86 credit unions with locations in New Haven, Indiana, plus national online institutions available to Indiana residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Flagstar Bank, National Association offers a CD at 4.30% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in New Haven, Indiana.
How to Find the Best CD Rates in New Haven, Indiana
What to compare when shopping for a CD in New Haven, Indiana
To find the best APYs in New Haven, Indiana, start with credit unions and online-only banks: New Haven, Indiana has 86 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 New Haven, 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 New Haven, Indiana: 137 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare New Haven, 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 New Haven, Indiana money market rates
New Haven, Indiana Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
18.8%
National avg: 17.3%
Median Individual Earnings
$42,002
National avg: $47,340
Poverty Rate
9.7%
National avg: 11.1%
Unemployment Rate
4.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$119/yr
At IN 12-mo avg 2.822% APY
18.8% of residents are 65 or older, in line with the national average of 17.3%. At today’s IN 12-month CD average of 2.822%, saving 10% of the local median salary ($4,200/year) and putting it in a CD would earn an additional $119 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 New Haven, Indiana
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in New Haven, 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 New Haven, 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 New Haven, Indiana as everywhere in the U.S.
Choosing a CD Term in New Haven, 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 New Haven, Indiana savers easier access to their funds. For example, ProFed Federal Credit Union is offering its 6 Month Certificate at 4.15% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Summit Choice Federal Credit Union is offering its Certificate - 5 years + 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 New Haven, 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 New Haven, 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 New Haven, 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 New Haven, 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 New Haven, Indiana
Most CDs carry a fixed rate that is locked for the entire term, protecting a New Haven, 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 New Haven, Indiana
Are CD rates in New Haven, Indiana FDIC insured?
Yes, most established banks in New Haven, 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 New Haven, 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 New Haven, 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 New Haven, 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 New Haven, Indiana?
Here are recent top rates found for this area:
- Flagstar Bank, National Association: 4.30% APY (12-Month Business CD)
- First Merchants Bank: 4.25% APY (24 Month CD/IRA Special)
- Summit Choice Federal Credit Union: 4.20% APY (Certificate - 5 years +)
- ProFed Federal Credit Union: 4.15% APY (6 Month Certificate)
- Three Rivers Federal Credit Union: 3.75% APY (12 Month Certificate)
- Midwest America Federal Credit Union: 2.45% APY (12 Month Share/IRA Certificate - Relationship Perks)
- 1st Source Bank: 0.65% APY (CD - 5 year)
- PNC Bank: 0.03% APY (Certificate of Deposit - 12 Months)
- GCSB Swayzee, IN: 5.09% APY (60 Month Certificate of Deposit)
- National Police Federal Credit Union: 4.81% APY (24-Month IRA)
Rates reflect recent verified offers available in New Haven, Indiana. Last Updated: October 23, 2026
New Haven, 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 New Haven, Indiana rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for New Haven, Indiana
New Haven, Indiana CD Calculator
At today’s IN top rate of 4.30% APY, a $10,000 deposit earns $430 in the first year. Enter your amount to see your exact return.
New Haven, Indiana CD LadderIN CD rates currently range from 1.626% (3-month) to 2.783% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a New Haven, Indiana CD at 4.30% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsIndiana’s average 12-month CD is 2.822% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New Haven, 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 New Haven, 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 New Haven, Indiana. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in IN.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 23, 2026
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