Mississippi Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Mississippi CD rates include Fort Financial Federal Credit UnionFort Financial Federal Credit Union1808 S Fulton Dr, Corinth, MS 38834 9043A+5.0 ★Texas Ratio: 2.84%Real return: +1.70%APY minus CPI (February 2026) offering 12-Month IRA Certificate at 4.50% APY, All In Credit UnionAll In Credit Union4501 Denny Ave, Pascagoula, MS 39581A5.0 ★Texas Ratio: 10.02%Real return: +1.48%APY minus CPI (February 2026) offering 18 Month IRA Jumbo at 4.28% APY, Gulf Coast Community Federal Credit UnionGulf Coast Community Federal Credit Union12364 Highway 49, Gulfport, MS 39503A5.0 ★Texas Ratio: 5.85%Real return: +1.45%APY minus CPI (February 2026) offering 12 Months - Special at 4.25% APY, Ferguson Federal Credit UnionFerguson Federal Credit Union1026 E Broad St, Monticello, MS 39654B4.5 ★Texas Ratio: 17.97%Real return: +1.45%APY minus CPI (February 2026) offering 24 Months at 4.25% APY, and Commercial Bank De Kalb, MSCommercial Bank De Kalb, MS175 Hopper Ave, De Kalb, MS 39328A+5.0 ★Texas Ratio: 2.86%Real return: +1.40%APY minus CPI (February 2026) offering Business 60 Months at 4.20% APY. CD rates as of August 31, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Mississippi side-by-side. Mississippi CD rates currently reach as high as 4.50% APY from Fort Financial Federal Credit Union at 1808 S Fulton Dr, Corinth, MS 38834 9043. 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: August 31, 2026
Compare Best CD Rates in Mississippi
Mississippi 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD1.96% APY▲ 0.02% from last week
The national average 3-month CD rate is 1.96% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
4501 Denny Ave, Pascagoula, MS 39581
3 Month IRA Jumbo
$100,000
3.66%
▲ 1.70% above national avg
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.70% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
4501 Denny Ave, Pascagoula, MS 39581
3 Month IRA
$1,000
3.56%
▲ 1.60% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.60% above avg
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
276 Nissan Pkwy, Canton, MS 39046
3 Months
$0
3.55%
▲ 1.59% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
250 Industrial Rd, Pascagoula, MS 39581
3 Month Certificate
$0
3.30%
▲ 1.34% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.34% above avg
Details
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 25.49%
142 Military Dr, Jackson, MS 39232 8861
3 Month Certificate
$5
2.00%
▲ 0.04% above national avg
▼
Rate2.00%
Min Deposit$5
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.04% above avg
Details
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
185 Goodman Rd W, Southaven, MS 38671 9033
Build IT CDs - 3 Months
$100
1.28%
▼ 0.68% below national avg
▼
Rate1.28%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.68% below avg
Details
Once the Build-IT CD has reached a balance greater than $999.99, it will be rolled into a regular CD of the same term. Penalties for early withdrawals may apply. Rates are subject to change without notice, please see for complete details. Federally insured by NCUA.
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
498 Main St, Woodville, MS 39669
3 Month
$0
1.26%
▼ 0.70% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.70% below avg
Details
Compound: At Maturity
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.12%
3318 HARDY ST, HATTIESBURG, MS 39401 6962
3 month Certificate
$0
1.10%
▼ 0.86% below national avg
▼
Rate1.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.86% below avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
90-Day Certificate
$0
0.80%
▼ 1.16% below national avg
▼
Rate0.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.16% below avg
Details
Non-premier member APY: 0.55% | Dividend Rate: 0.55%
Citizens Bank & Trust Co. MS
Institution Rating:
C+4.1 ★Texas Ratio: 25.28%
239 E Main St, Marks, MS 38646
3 Month CD
$1,000
0.75%
▼ 1.21% below national avg
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.21% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
3-month term
$0
0.60%
▼ 1.36% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.36% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
3-month term Standard CDs
$0
0.60%
▼ 1.36% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.36% below avg
Details
Rewards APY 0.60% Regular APY 0.50% Dividend Rate 0.50%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
3-month term Standard CDs Rewards
$0
0.60%
▼ 1.36% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.36% below avg
Details
Regular APY 0.50% Dividend Rate 0.50%
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
90-Day Certificate
$0
0.55%
▼ 1.41% below national avg
▼
Rate0.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.41% below avg
Details
Premier Member APY: 0.80% | Dividend Rate: 0.80%
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
102 Highway 72 W, Corinth, MS 38834 5511
90 Day
$500
0.50%
▼ 1.46% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.46% below avg
Details
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
1604 Cherry St, Vicksburg, MS 39180
3 Month Certificate
$1,000
0.15%
▼ 1.81% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.81% below avg
Details
APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1114 Jackson Ave, Pascagoula, MS 39567
3 month Standard Fixed Rate CD
$2,500
0.06%
▼ 1.90% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.90% below avg
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1114 Jackson Ave, Pascagoula, MS 39567
3 month Standard Interest Rate
$2,500
0.06%
▼ 1.90% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.90% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1114 Jackson Ave, Pascagoula, MS 39567
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.91% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.91% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1114 Jackson Ave, Pascagoula, MS 39567
3 month Standard Interest Rate
$2,500
0.05%
▼ 1.91% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.91% below avg
Details
Relationship Interest Rate 0.06%
Mississippi 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.67% APY▲ 0.03% from last week
The national average 6-month CD rate is 2.67% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS 38606
6 Month TEAL Certificate (Age 0-17)
$250
4.07%
▲ 1.40% above national avg
▼
Rate4.00%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details
Age: 0-17
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS 38606
6-Month TEAL Certificate
$250
4.07%
▲ 1.40% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details
For kids and Teens (age 0-17). TEAL is short for Teens Earning And Learning, but any member from 0 to 17 years of age can have one of these lower-deposit certificates. compounded monthly.
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
4501 Denny Ave, Pascagoula, MS 39581
6 Month IRA Jumbo
$100,000
4.07%
▲ 1.40% above national avg
▼
Rate4.00%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
4501 Denny Ave, Pascagoula, MS 39581
6 Month IRA
$1,000
4.02%
▲ 1.35% above national avg
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.35% above avg
Details
Commercial Bank De Kalb, MS
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
175 Hopper Ave, De Kalb, MS 39328
Business 6 Months
$0
3.85%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS 39440 4239
6 Months
$0
3.82%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.15% above avg
Details
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS 39440 4239
Business Share Certificates 6 Months
$0
3.82%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.15% above avg
Details
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
84 Airways Pl, Southaven, MS 38671
6 Months SC
$0
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
276 Nissan Pkwy, Canton, MS 39046
6 Months
$0
3.44%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.77% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
250 Industrial Rd, Pascagoula, MS 39581
6 Month Certificate
$0
3.40%
▲ 0.73% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
409 Riverwind Dr, Pearl, MS 39208 5917
6 Month Certificate
$1,000
3.00%
▲ 0.33% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
295 E Layfair Dr, Flowood, MS 39232 9527
Certificates 6 Month
$1,000
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
498 Main St, Woodville, MS 39669
6 Month
$0
2.77%
▲ 0.10% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.10% above avg
Details
Compound: At Maturity
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
498 Main St, Woodville, MS 39669
Roth IRA - Fixed Rate (6 mo)
$1,000
2.77%
▲ 0.10% above national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.10% above avg
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
102 Highway 72 W, Corinth, MS 38834 5511
6 Month
$500
2.50%
▼ 0.17% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.17% below avg
Details
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 25.49%
142 Military Dr, Jackson, MS 39232 8861
6 Month Certificate
$5
2.00%
▼ 0.67% below national avg
▼
Rate2.00%
Min Deposit$5
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.67% below avg
Details
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
903 Jackson Ave, Pascagoula, MS 39567
6 Month Jumbo CD
$0
1.60%
▼ 1.07% below national avg
▼
Rate1.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.07% below avg
Details
Citizens Bank & Trust Co. MS
Institution Rating:
C+4.1 ★Texas Ratio: 25.28%
239 E Main St, Marks, MS 38646
6 Month CD
$1,000
1.51%
▼ 1.16% below national avg
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.16% below avg
Details
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
903 Jackson Ave, Pascagoula, MS 39567
6 Month CD
$0
1.50%
▼ 1.17% below national avg
▼
Rate1.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.17% below avg
Details
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
903 Jackson Ave, Pascagoula, MS 39567
6 Month IRA CD
$1,000
1.50%
▼ 1.17% below national avg
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.17% below avg
Details
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
185 Goodman Rd W, Southaven, MS 38671 9033
Build IT CDs - 6 Months
$100
1.39%
▼ 1.28% below national avg
▼
Rate1.39%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.28% below avg
Details
Once the Build-IT CD has reached a balance greater than $999.99, it will be rolled into a regular CD of the same term. Penalties for early withdrawals may apply. Rates are subject to change without notice, please see for complete details. Federally insured by NCUA.
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.12%
3318 HARDY ST, HATTIESBURG, MS 39401 6962
6 month Certificate
$0
1.35%
▼ 1.32% below national avg
▼
Rate1.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.32% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
6-month term
$0
1.35%
▼ 1.32% below national avg
▼
Rate1.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.32% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
6-month term Standard CDs
$0
1.35%
▼ 1.32% below national avg
▼
Rate1.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.32% below avg
Details
Rewards APY 1.35% Regular APY 1.25% Dividend Rate 1.24%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
6-month term Standard CDs Rewards
$0
1.35%
▼ 1.32% below national avg
▼
Rate1.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.32% below avg
Details
Regular APY 1.25% Dividend Rate 1.24%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
6-month term
$0
1.25%
▼ 1.42% below national avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.42% below avg
Details
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
613 S West St, Jackson, MS 39201 5506
6 Month Cert. / New Money
$0
1.00%
▼ 1.67% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.67% below avg
Details
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
567 S State St, Jackson, MS 39201
6 months
$500
0.95%
▼ 1.72% below national avg
▼
Rate0.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.72% below avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
6-Month Certificate
$0
0.85%
▼ 1.82% below national avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.82% below avg
Details
Non-premier member APY: 0.60% | Dividend Rate: 0.60%
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
6-Month Certificate
$0
0.60%
▼ 2.07% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.07% below avg
Details
Premier Member APY: 0.85% | Dividend Rate: 0.85%
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
613 S West St, Jackson, MS 39201 5506
6 Month Certificate
$0
0.60%
▼ 2.07% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.07% below avg
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
Jumbo IRA Certificates & Over) 6 Month
$0
0.60%
▼ 2.07% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.07% below avg
Details
$100,000.00
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
IRA Certificates 6 Month 1st Nvestor
$0
0.57%
▼ 2.10% below national avg
▼
Rate0.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.10% below avg
Details
$25,000.01 - $99,999.99
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
6 Month 1st Nvestor
$0
0.55%
▼ 2.12% below national avg
▼
Rate0.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.12% below avg
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
Jumbo Share Certificates and Over) 6 Month
$0
0.50%
▼ 2.17% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.17% below avg
Details
$100,000.00
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
102 Highway 72 W, Corinth, MS 38834 5511
DreamBuilder 6 Month Certificate
$100
0.50%
▼ 2.17% below national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.17% below avg
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
Share Certificates 6 Month 1st Nvestor
$0
0.47%
▼ 2.20% below national avg
▼
Rate0.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.20% below avg
Details
$25,000.01 - $99,999.99
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
6 Months
$0
0.45%
▼ 2.22% below national avg
▼
Rate0.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.22% below avg
Details
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
IRA Certificate 6 Months
$0
0.45%
▼ 2.22% below national avg
▼
Rate0.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.22% below avg
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
6 Month 1st Nvestor
$0
0.45%
▼ 2.22% below national avg
▼
Rate0.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.22% below avg
Details
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
1620 Goodyear Blvd Ste C, Picayune, MS 39466 4582
6-Month Certificate
$0
0.20%
▼ 2.47% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.47% below avg
Details
Balance: $100,000+
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
1604 Cherry St, Vicksburg, MS 39180
6 Month Certificate
$1,000
0.15%
▼ 2.52% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.52% below avg
Details
APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not.
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
1604 Cherry St, Vicksburg, MS 39180
IRA Share Certificate 6 Month
$1,000
0.15%
▼ 2.52% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.52% below avg
Details
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
1620 Goodyear Blvd Ste C, Picayune, MS 39466 4582
6-Month Certificate
$0
0.10%
▼ 2.57% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.57% below avg
Details
Balance: $2,000-$99,999
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1114 Jackson Ave, Pascagoula, MS 39567
6 month Standard Interest Rate
$2,500
0.06%
▼ 2.61% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.61% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1114 Jackson Ave, Pascagoula, MS 39567
6 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.62% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.62% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1114 Jackson Ave, Pascagoula, MS 39567
6 month Standard Interest Rate
$2,500
0.05%
▼ 2.62% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.62% below avg
Details
Relationship Interest Rate 0.05%
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
767 N PRESIDENT ST, JACKSON, MS 39202
Share Certificate (CD): 6 Months
$500
0.05%
▼ 2.62% below national avg
▼
Rate0.05%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.62% below avg
Details
Mississippi 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.83% APY▲ 0.02% from last week
The national average 12-month CD rate is 2.83% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
12-Month IRA Certificate
$0
4.50%
▲ 1.67% above national avg
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.67% above avg
Details
Non-premier member APY: 4.25% | Dividend Rate: 4.17%
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
12 Months - Special
$0
4.25%
▲ 1.42% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.42% above avg
Details
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
Share Certificate and IRA Certificate - 12 Months - Special
$0
4.25%
▲ 1.42% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.42% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
12-Month IRA Certificate
$0
4.25%
▲ 1.42% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.42% above avg
Details
Premier Member APY: 4.50% | Dividend Rate: 4.41%
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
4501 Denny Ave, Pascagoula, MS 39581
12 Month IRA Jumbo
$100,000
4.18%
▲ 1.35% above national avg
▼
Rate4.10%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.35% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
4501 Denny Ave, Pascagoula, MS 39581
12 Month IRA
$1,000
4.13%
▲ 1.30% above national avg
▼
Rate4.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.30% above avg
Details
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
6225 M St Bldg 305, Meridian, MS 39307
Certificates Of Deposit 12 Month Term
$0
4.04%
▲ 1.21% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.21% above avg
Details
Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
160 Simler Blvd, Columbus, MS 39710 6802
12 Months
$10,000
4.00%
▲ 1.17% above national avg
▼
Rate4.00%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Dividends Compounded & Paid: Quarterly
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
250 Industrial Rd, Pascagoula, MS 39581
12 Month Certificate
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Commercial Bank De Kalb, MS
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
175 Hopper Ave, De Kalb, MS 39328
Business 12 Months
$0
3.90%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.07% above avg
Details
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
567 S State St, Jackson, MS 39201
12 MONTH SPECIAL
$500
3.82%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.99% above avg
Details
LIMITED TIME OFFER: EFFECTIVE 10/03/2025
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
1620 Goodyear Blvd Ste C, Picayune, MS 39466 4582
1-Year Certificate Special
$0
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Special offer
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
12-Month Certificate
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Non-premier member APY: 3.50% | Dividend Rate: 3.44%
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
1604 Cherry St, Vicksburg, MS 39180
12 Month Certificate
$1,000
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 11/18/24. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties.
Ferguson Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 17.97%
1026 E Broad St, Monticello, MS 39654
12 Months
$0
3.69%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.86% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
4501 Denny Ave, Pascagoula, MS 39581
12 Month Smart Start
$25
3.66%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$25
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.83% above avg
Details
Additional funds may be added at any time.
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★Texas Ratio: 38.77%
500H E WOODROW WILSON Ave, JACKSON, MS 39216 4538
12 Months Certificate of Deposit
$1,000
3.56%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.73% above avg
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
276 Nissan Pkwy, Canton, MS 39046
12 Months
$0
3.55%
▲ 0.72% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
12 Month Special
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
IRA Certificate 12 Month Special
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
12-Month Business Certificate
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
12-Month Certificate
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Premier Member APY: 3.75% | Dividend Rate: 3.69%
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
409 Riverwind Dr, Pearl, MS 39208 5917
12 Month Certificate
$1,000
3.25%
▲ 0.42% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.42% above avg
Details
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
84 Airways Pl, Southaven, MS 38671
12 Months IRA SC
$0
3.25%
▲ 0.42% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.42% above avg
Details
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
84 Airways Pl, Southaven, MS 38671
12 Months SC
$0
3.25%
▲ 0.42% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.42% above avg
Details
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS 39440 4239
12 Months
$0
3.20%
▲ 0.37% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.37% above avg
Details
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS 39440 4239
Business Share Certificates 12 Months
$0
3.20%
▲ 0.37% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.37% above avg
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
498 Main St, Woodville, MS 39669
12 Month
$0
3.03%
▲ 0.20% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.20% above avg
Details
Compound: Quarterly
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
498 Main St, Woodville, MS 39669
Roth IRA - Fixed Rate (12 mo)
$1,000
3.03%
▲ 0.20% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.20% above avg
Details
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
613 S West St, Jackson, MS 39201 5506
1 Year Cert. / New Money
$0
3.03%
▲ 0.20% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.20% above avg
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
102 Highway 72 W, Corinth, MS 38834 5511
1 Year
$500
2.85%
▲ 0.02% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.02% above avg
Details
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
295 E Layfair Dr, Flowood, MS 39232 9527
Certificates 12 Month
$1,000
2.50%
▼ 0.33% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.33% below avg
Details
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
903 Jackson Ave, Pascagoula, MS 39567
1 Year Jumbo CD
$0
2.10%
▼ 0.73% below national avg
▼
Rate2.08%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.73% below avg
Details
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
903 Jackson Ave, Pascagoula, MS 39567
1 Year CD
$0
2.00%
▼ 0.83% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.83% below avg
Details
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
903 Jackson Ave, Pascagoula, MS 39567
12 Month IRA CD
$1,000
2.00%
▼ 0.83% below national avg
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.83% below avg
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7950 Craft Goodman Frontage Rd, Olive Branch, MS 38654
12 Months
$500
2.00%
▼ 0.83% below national avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.83% below avg
Details
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
19 S Main St, Pontotoc, MS 38863
IRA Certificate 12 Months
$0
2.00%
▼ 0.83% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.83% below avg
Details
Citizens Bank & Trust Co. MS
Institution Rating:
C+4.1 ★Texas Ratio: 25.28%
239 E Main St, Marks, MS 38646
12 Month CD
$1,000
2.00%
▼ 0.83% below national avg
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.83% below avg
Details
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 25.49%
142 Military Dr, Jackson, MS 39232 8861
12 Month Certificate
$5
2.00%
▼ 0.83% below national avg
▼
Rate2.00%
Min Deposit$5
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.83% below avg
Details
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.12%
3318 HARDY ST, HATTIESBURG, MS 39401 6962
12 month Certificate
$0
1.85%
▼ 0.98% below national avg
▼
Rate1.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.98% below avg
Details
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
19 S Main St, Pontotoc, MS 38863
12 Months
$0
1.60%
▼ 1.23% below national avg
▼
Rate1.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.23% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1114 Jackson Ave, Pascagoula, MS 39567
1 year Standard Fixed Rate CD
$2,500
1.51%
▼ 1.32% below national avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.32% below avg
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 1.50%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1114 Jackson Ave, Pascagoula, MS 39567
1 year Standard Interest Rate
$2,500
1.51%
▼ 1.32% below national avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.32% below avg
Details
Relationship APY 1.51%
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
613 S West St, Jackson, MS 39201 5506
1 Year Certificate
$0
1.51%
▼ 1.32% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.32% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1114 Jackson Ave, Pascagoula, MS 39567
1 year Standard Fixed Rate CD
$2,500
1.50%
▼ 1.33% below national avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.33% below avg
Details
Relationship APY 1.51%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1114 Jackson Ave, Pascagoula, MS 39567
1 year Standard Interest Rate
$2,500
1.50%
▼ 1.33% below national avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.33% below avg
Details
Relationship Interest Rate 1.50%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
12-month term
$0
1.40%
▼ 1.43% below national avg
▼
Rate1.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.43% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
12-month term Standard CDs
$0
1.40%
▼ 1.43% below national avg
▼
Rate1.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.43% below avg
Details
Rewards APY 1.40% Regular APY 1.30% Dividend Rate 1.29%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
12-month term Standard CDs Rewards
$0
1.40%
▼ 1.43% below national avg
▼
Rate1.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.43% below avg
Details
Regular APY 1.30% Dividend Rate 1.29%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
12-month term Standard IRA CDs
$0
1.40%
▼ 1.43% below national avg
▼
Rate1.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.43% below avg
Details
Rewards APY 1.40% Regular APY 1.30% Dividend Rate 1.29%
Mississippi 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.68% APY▲ 0.04% from last week
The national average 18-month CD rate is 2.68% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
4501 Denny Ave, Pascagoula, MS 39581
18 Month IRA Jumbo
$100,000
4.28%
▲ 1.60% above national avg
▼
Rate4.20%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.60% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
4501 Denny Ave, Pascagoula, MS 39581
18 Month IRA
$1,000
4.23%
▲ 1.55% above national avg
▼
Rate4.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.55% above avg
Details
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS 39440 4239
18 Months
$0
4.18%
▲ 1.50% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.50% above avg
Details
**
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS 39440 4239
Business Share Certificates 18 Months
$0
4.18%
▲ 1.50% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.50% above avg
Details
Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
160 Simler Blvd, Columbus, MS 39710 6802
18 Months
$1,000
4.00%
▲ 1.32% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
Dividends Compounded & Paid: Quarterly
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
2201 17th St, Gulfport, MS 39501 2910
18 Months
$0
3.95%
▲ 1.27% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.27% above avg
Details
Commercial Bank De Kalb, MS
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
175 Hopper Ave, De Kalb, MS 39328
Business 18 Months
$0
3.90%
▲ 1.22% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.22% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
250 Industrial Rd, Pascagoula, MS 39581
18 Month Certificate
$0
3.85%
▲ 1.17% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS 38606
18 Months
$0
3.76%
▲ 1.08% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.08% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
250 Industrial Rd, Pascagoula, MS 39581
18 Month Certificate
$0
3.75%
▲ 1.07% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
498 Main St, Woodville, MS 39669
Traditional - Variable Rate (18 month)
$100
3.55%
▲ 0.87% above national avg
▼
Rate3.50%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.87% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
18-Month IRA Certificate
$0
3.50%
▲ 0.82% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Non-premier member APY: 3.25% | Dividend Rate: 3.20%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
18-month term
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
18-month term CD Specials
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Rewards APY 3.45% Regular APY 3.45% Dividend Rate 3.40%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
18-month term CD Specials Rewards
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Regular APY 3.45% Dividend Rate 3.40%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
18-month term IRA CD Specials
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Rewards APY 3.45% Regular APY 3.30% Dividend Rate 3.25%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
18-month term IRA CD Specials Rewards
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Regular APY 3.30% Dividend Rate 3.25%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
IRA CD Specials - 18-month term
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
498 Main St, Woodville, MS 39669
Roth IRA - Variable Rate (18 mo)
$100
3.29%
▲ 0.61% above national avg
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.61% above avg
Details
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
409 Riverwind Dr, Pearl, MS 39208 5917
18 Month Certificate
$1,000
3.29%
▲ 0.61% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.61% above avg
Details
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
409 Riverwind Dr, Pearl, MS 39208 5917
18 Month IRA Certificate
$1,000
3.29%
▲ 0.61% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.61% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
18-Month Certificate
$0
3.25%
▲ 0.57% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.57% above avg
Details
Non-premier member APY: 3.00% | Dividend Rate: 2.96%
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
18-Month IRA Certificate
$0
3.25%
▲ 0.57% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.57% above avg
Details
Premier Member APY: 3.50% | Dividend Rate: 3.44%
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
276 Nissan Pkwy, Canton, MS 39046
18 Months
$0
3.14%
▲ 0.46% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.46% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
18-Month Business Certificate
$0
3.00%
▲ 0.32% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.32% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
18-Month Certificate
$0
3.00%
▲ 0.32% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.32% above avg
Details
Premier Member APY: 3.25% | Dividend Rate: 3.20%
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
1604 Cherry St, Vicksburg, MS 39180
18 Month Certificate
$1,000
3.00%
▲ 0.32% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.32% above avg
Details
Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 11/18/24. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties.
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
102 Highway 72 W, Corinth, MS 38834 5511
18 Month
$500
2.80%
▲ 0.12% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.12% above avg
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
498 Main St, Woodville, MS 39669
18 Month
$0
2.78%
▲ 0.10% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.10% above avg
Details
Compound: Quarterly
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
498 Main St, Woodville, MS 39669
Roth IRA - Fixed Rate (18 mo)
$1,000
2.78%
▲ 0.10% above national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.10% above avg
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
4 Old River Pl, Jackson, MS 39202 3431
IRA 18-Month Certificate
$0
2.62%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.06% below avg
Details
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
84 Airways Pl, Southaven, MS 38671
18 Months SC
$0
2.50%
▼ 0.18% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.18% below avg
Details
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
295 E Layfair Dr, Flowood, MS 39232 9527
Certificates 18 Month
$1,000
2.35%
▼ 0.33% below national avg
▼
Rate2.33%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.33% below avg
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7950 Craft Goodman Frontage Rd, Olive Branch, MS 38654
18 Months
$500
2.00%
▼ 0.68% below national avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.68% below avg
Details
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
19 S Main St, Pontotoc, MS 38863
IRA Certificate 18 Months
$0
2.00%
▼ 0.68% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.68% below avg
Details
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
903 Jackson Ave, Pascagoula, MS 39567
18 Month IRA CD
$1,000
1.50%
▼ 1.18% below national avg
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.18% below avg
Details
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
19 S Main St, Pontotoc, MS 38863
18 Months
$0
1.15%
▼ 1.53% below national avg
▼
Rate1.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.53% below avg
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
Jumbo IRA Certificates & Over) 18 Month
$0
1.00%
▼ 1.68% below national avg
▼
Rate0.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.68% below avg
Details
$100,000.00
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
IRA Certificates 18 Month
$0
0.95%
▼ 1.73% below national avg
▼
Rate0.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.73% below avg
Details
$25,000.01 - $99,999.99
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
Jumbo Share Certificates and Over) 18 Month
$0
0.90%
▼ 1.78% below national avg
▼
Rate0.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.78% below avg
Details
$100,000.00
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
Share Certificates 18 Month
$0
0.85%
▼ 1.83% below national avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.83% below avg
Details
$25,000.01 - $99,999.99
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
18 Month
$0
0.80%
▼ 1.88% below national avg
▼
Rate0.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.88% below avg
Details
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
18 Months
$0
0.65%
▼ 2.03% below national avg
▼
Rate0.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 2.03% below avg
Details
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
IRA Certificate 18 Months
$0
0.65%
▼ 2.03% below national avg
▼
Rate0.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 2.03% below avg
Details
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
18 Months
$0
0.60%
▼ 2.08% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 2.08% below avg
Details
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
IRA Certificate 18 Months
$0
0.60%
▼ 2.08% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 2.08% below avg
Details
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
1604 Cherry St, Vicksburg, MS 39180
IRA Share Certificate 18 Month
$1,000
0.40%
▼ 2.28% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 2.28% below avg
Details
Mississippi 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.71% APY▲ 0.02% from last week
The national average 24-month CD rate is 2.71% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ferguson Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 17.97%
1026 E Broad St, Monticello, MS 39654
24 Months
$0
4.25%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.54% above avg
Details
Commercial Bank De Kalb, MS
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
175 Hopper Ave, De Kalb, MS 39328
Business 24 Months
$0
4.00%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
4501 Denny Ave, Pascagoula, MS 39581
24 Month IRA Jumbo
$100,000
3.87%
▲ 1.16% above national avg
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.16% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
4501 Denny Ave, Pascagoula, MS 39581
24 Month IRA
$1,000
3.82%
▲ 1.11% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.11% above avg
Details
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
2201 17th St, Gulfport, MS 39501 2910
24 Months
$0
3.75%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
250 Industrial Rd, Pascagoula, MS 39581
24 Month Certificate
$0
3.60%
▲ 0.89% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
Details
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
409 Riverwind Dr, Pearl, MS 39208 5917
24 Month Certificate
$1,000
3.55%
▲ 0.84% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
409 Riverwind Dr, Pearl, MS 39208 5917
24 Month IRA Certificate
$1,000
3.55%
▲ 0.84% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
24-Month IRA Certificate
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Non-premier member APY: 3.25% | Dividend Rate: 3.20%
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
250 Industrial Rd, Pascagoula, MS 39581
24 Month Certificate
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
24-Month Certificate
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Non-premier member APY: 3.00% | Dividend Rate: 2.96%
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
24-Month IRA Certificate
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Premier Member APY: 3.50% | Dividend Rate: 3.44%
Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
160 Simler Blvd, Columbus, MS 39710 6802
24 Months
$1,000
3.25%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Dividends Compounded & Paid: Quarterly
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
276 Nissan Pkwy, Canton, MS 39046
24 Months
$0
3.08%
▲ 0.37% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.37% above avg
Details
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS 39440 4239
24 Months
$0
3.04%
▲ 0.33% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.33% above avg
Details
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS 39440 4239
Business Share Certificates 24 Months
$0
3.04%
▲ 0.33% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.33% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
24-Month Business Certificate
$0
3.00%
▲ 0.29% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.29% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
24-Month Certificate
$0
3.00%
▲ 0.29% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.29% above avg
Details
Premier Member APY: 3.25% | Dividend Rate: 3.20%
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
102 Highway 72 W, Corinth, MS 38834 5511
2 Year
$500
2.90%
▲ 0.19% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.19% above avg
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
498 Main St, Woodville, MS 39669
24 Month
$0
2.78%
▲ 0.07% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.07% above avg
Details
Compound: Quarterly
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
498 Main St, Woodville, MS 39669
Roth IRA - Fixed Rate (24 mo)
$1,000
2.78%
▲ 0.07% above national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.07% above avg
Details
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
84 Airways Pl, Southaven, MS 38671
24 Months IRA SC
$0
2.75%
▲ 0.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.04% above avg
Details
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
84 Airways Pl, Southaven, MS 38671
24 Months SC
$0
2.75%
▲ 0.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.04% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
24-month term
$0
2.60%
▼ 0.11% below national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.11% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
24-month term Standard CDs
$0
2.60%
▼ 0.11% below national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.11% below avg
Details
Rewards APY 2.60% Regular APY 2.34% Dividend Rate 2.32%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
24-month term Standard CDs Rewards
$0
2.60%
▼ 0.11% below national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.11% below avg
Details
Regular APY 2.34% Dividend Rate 2.32%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
24-month term Standard IRA CDs
$0
2.60%
▼ 0.11% below national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.11% below avg
Details
Rewards APY 2.60% Regular APY 2.34% Dividend Rate 2.32%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
24-month term Standard IRA CDs Rewards
$0
2.60%
▼ 0.11% below national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.11% below avg
Details
Regular APY 2.34% Dividend Rate 2.32%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
Standard IRA CDs 24-month term
$0
2.60%
▼ 0.11% below national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.11% below avg
Details
Citizens Bank & Trust Co. MS
Institution Rating:
C+4.1 ★Texas Ratio: 25.28%
239 E Main St, Marks, MS 38646
24 Month CD
$1,000
2.53%
▼ 0.18% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.18% below avg
Details
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
19 S Main St, Pontotoc, MS 38863
IRA Certificate 24 Months
$0
2.35%
▼ 0.36% below national avg
▼
Rate2.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.36% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
24-month term
$0
2.34%
▼ 0.37% below national avg
▼
Rate2.32%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.37% below avg
Details
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
295 E Layfair Dr, Flowood, MS 39232 9527
Certificates 24 Month
$1,000
2.10%
▼ 0.61% below national avg
▼
Rate2.08%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.61% below avg
Details
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.12%
3318 HARDY ST, HATTIESBURG, MS 39401 6962
24 month Certificate
$0
2.05%
▼ 0.66% below national avg
▼
Rate2.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.66% below avg
Details
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
613 S West St, Jackson, MS 39201 5506
2 Year Certificate
$0
1.81%
▼ 0.90% below national avg
▼
Rate1.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.90% below avg
Details
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
19 S Main St, Pontotoc, MS 38863
24 Months
$0
1.55%
▼ 1.16% below national avg
▼
Rate1.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 1.16% below avg
Details
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
567 S State St, Jackson, MS 39201
2 Year
$500
1.36%
▼ 1.35% below national avg
▼
Rate1.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 1.35% below avg
Details
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
903 Jackson Ave, Pascagoula, MS 39567
2 Year Jumbo CD
$0
1.35%
▼ 1.36% below national avg
▼
Rate1.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 1.36% below avg
Details
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
903 Jackson Ave, Pascagoula, MS 39567
2 Year CD
$0
1.25%
▼ 1.46% below national avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 1.46% below avg
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
Jumbo IRA Certificates & Over) 24 Month
$0
1.05%
▼ 1.66% below national avg
▼
Rate1.04%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 1.66% below avg
Details
$100,000.00
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
IRA Certificates 24 Month
$0
1.00%
▼ 1.71% below national avg
▼
Rate0.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 1.71% below avg
Details
$25,000.01 - $99,999.99
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
Jumbo Share Certificates and Over) 24 Month
$0
0.95%
▼ 1.76% below national avg
▼
Rate0.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 1.76% below avg
Details
$100,000.00
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
Share Certificates 24 Month
$0
0.90%
▼ 1.81% below national avg
▼
Rate0.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 1.81% below avg
Details
$25,000.01 - $99,999.99
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
24 Month
$0
0.85%
▼ 1.86% below national avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 1.86% below avg
Details
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
24 Months
$0
0.70%
▼ 2.01% below national avg
▼
Rate0.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 2.01% below avg
Details
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
IRA Certificate 24 Months
$0
0.70%
▼ 2.01% below national avg
▼
Rate0.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 2.01% below avg
Details
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
24 Months
$0
0.65%
▼ 2.06% below national avg
▼
Rate0.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 2.06% below avg
Details
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
IRA Certificate 24 Months
$0
0.65%
▼ 2.06% below national avg
▼
Rate0.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 2.06% below avg
Details
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
1620 Goodyear Blvd Ste C, Picayune, MS 39466 4582
2-Year Certificate
$0
0.50%
▼ 2.21% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 2.21% below avg
Details
Balance: $100,000+
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
1604 Cherry St, Vicksburg, MS 39180
24 Month Certificate
$1,000
0.50%
▼ 2.21% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 2.21% below avg
Details
APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not.
Mississippi 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.66% APY▲ 0.03% from last week
The national average 36-month CD rate is 2.66% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Commercial Bank De Kalb, MS
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
175 Hopper Ave, De Kalb, MS 39328
Business 36 Months
$0
4.00%
▲ 1.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
4501 Denny Ave, Pascagoula, MS 39581
36 Month IRA Jumbo
$100,000
3.87%
▲ 1.22% above national avg
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.22% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
4501 Denny Ave, Pascagoula, MS 39581
36 Month IRA
$1,000
3.82%
▲ 1.17% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.17% above avg
Details
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
2201 17th St, Gulfport, MS 39501 2910
36 Months
$0
3.75%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
250 Industrial Rd, Pascagoula, MS 39581
36 Month Certificate
$0
3.60%
▲ 0.95% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.95% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
250 Industrial Rd, Pascagoula, MS 39581
36 Month Certificate
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
567 S State St, Jackson, MS 39201
36 MONTH SPECIAL
$500
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
LIMITED TIME OFFER: EFFECTIVE 10/03/2025
Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
160 Simler Blvd, Columbus, MS 39710 6802
36 Month
$1,000
3.25%
▲ 0.60% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Dividends Compounded & Paid: Quarterly
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
276 Nissan Pkwy, Canton, MS 39046
36 Months
$0
3.19%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.54% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
36-Month Certificate
$0
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
Non-premier member APY: 2.75% | Dividend Rate: 2.72%
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
36-Month IRA Certificate
$0
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
Non-premier member APY: 2.75% | Dividend Rate: 2.72%
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
102 Highway 72 W, Corinth, MS 38834 5511
3 Year
$500
3.00%
▲ 0.35% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
Citizens Bank & Trust Co. MS
Institution Rating:
C+4.1 ★Texas Ratio: 25.28%
239 E Main St, Marks, MS 38646
36 Month CD
$1,000
2.79%
▲ 0.14% above national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.14% above avg
Details
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS 39440 4239
36 Months
$0
2.78%
▲ 0.13% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.13% above avg
Details
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS 39440 4239
Business Share Certificates 36 Months
$0
2.78%
▲ 0.13% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.13% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
36-Month Business Certificate
$0
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
36-Month Certificate
$0
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details
Premier Member APY: 3.00% | Dividend Rate: 2.96%
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
36-Month IRA Certificate
$0
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details
Premier Member APY: 3.00% | Dividend Rate: 2.96%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
36-month term
$0
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
36-month term Standard CDs
$0
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details
Rewards APY 2.75% Regular APY 2.49% Dividend Rate 2.47%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
36-month term Standard CDs Rewards
$0
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details
Regular APY 2.49% Dividend Rate 2.47%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
36-month term Standard IRA CDs
$0
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details
Rewards APY 2.75% Regular APY 2.49% Dividend Rate 2.47%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
36-month term Standard IRA CDs Rewards
$0
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details
Regular APY 2.49% Dividend Rate 2.47%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
Standard IRA CDs 36-month term
$0
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★Texas Ratio: 38.77%
500H E WOODROW WILSON Ave, JACKSON, MS 39216 4538
36 Months Certificate of Deposit
$1,000
2.69%
▲ 0.04% above national avg
▼
Rate2.67%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.04% above avg
Details
Ferguson Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 17.97%
1026 E Broad St, Monticello, MS 39654
36 Months
$0
2.69%
▲ 0.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.04% above avg
Details
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
84 Airways Pl, Southaven, MS 38671
36 Months IRA SC
$0
2.50%
▼ 0.15% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.15% below avg
Details
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
84 Airways Pl, Southaven, MS 38671
36 Months SC
$0
2.50%
▼ 0.15% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.15% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
36-month term
$0
2.49%
▼ 0.16% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.16% below avg
Details
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
19 S Main St, Pontotoc, MS 38863
IRA Certificate 36 Months
$0
2.40%
▼ 0.25% below national avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.25% below avg
Details
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.12%
3318 HARDY ST, HATTIESBURG, MS 39401 6962
36 month Certificate
$0
2.40%
▼ 0.25% below national avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.25% below avg
Details
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
295 E Layfair Dr, Flowood, MS 39232 9527
Certificates 36 Month
$1,000
2.10%
▼ 0.55% below national avg
▼
Rate2.08%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.55% below avg
Details
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
903 Jackson Ave, Pascagoula, MS 39567
3 Year Jumbo CD
$0
1.80%
▼ 0.85% below national avg
▼
Rate1.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.85% below avg
Details
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
903 Jackson Ave, Pascagoula, MS 39567
3 Year CD
$0
1.70%
▼ 0.95% below national avg
▼
Rate1.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.95% below avg
Details
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
903 Jackson Ave, Pascagoula, MS 39567
3 Year IRA CD
$1,000
1.70%
▼ 0.95% below national avg
▼
Rate1.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.95% below avg
Details
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
19 S Main St, Pontotoc, MS 38863
36 Months
$0
1.65%
▼ 1.01% below national avg
▼
Rate1.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.01% below avg
Details
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
613 S West St, Jackson, MS 39201 5506
3 Year Certificate
$0
1.51%
▼ 1.14% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.14% below avg
Details
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
567 S State St, Jackson, MS 39201
3 Year
$500
1.46%
▼ 1.19% below national avg
▼
Rate1.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.19% below avg
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
Jumbo IRA Certificates & Over) 36 Month
$0
1.15%
▼ 1.51% below national avg
▼
Rate1.14%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.51% below avg
Details
$100,000.00
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
IRA Certificates 36 Month
$0
1.10%
▼ 1.55% below national avg
▼
Rate1.09%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.55% below avg
Details
$25,000.01 - $99,999.99
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
Jumbo Share Certificates and Over) 36 Month
$0
1.05%
▼ 1.60% below national avg
▼
Rate1.04%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.60% below avg
Details
$100,000.00
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
Share Certificates 36 Month
$0
1.00%
▼ 1.65% below national avg
▼
Rate0.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.65% below avg
Details
$25,000.01 - $99,999.99
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
36 Month
$0
0.95%
▼ 1.70% below national avg
▼
Rate0.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.70% below avg
Details
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
36 Months
$0
0.80%
▼ 1.85% below national avg
▼
Rate0.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.85% below avg
Details
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
IRA Certificate 36 Months
$0
0.80%
▼ 1.85% below national avg
▼
Rate0.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.85% below avg
Details
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
36 Months
$0
0.75%
▼ 1.90% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.90% below avg
Details
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
IRA Certificate 36 Months
$0
0.75%
▼ 1.90% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.90% below avg
Details
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
1604 Cherry St, Vicksburg, MS 39180
36 Month Certificate
$1,000
0.70%
▼ 1.95% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.95% below avg
Details
APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties.
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
1604 Cherry St, Vicksburg, MS 39180
IRA Share Certificate 36 Month
$1,000
0.70%
▼ 1.95% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.95% below avg
Details
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
1620 Goodyear Blvd Ste C, Picayune, MS 39466 4582
3-Year Certificate
$0
0.60%
▼ 2.05% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 2.05% below avg
Details
Balance: $100,000+
Mississippi 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.66% APY▲ 0.04% from last week
The national average 48-month CD rate is 2.66% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Commercial Bank De Kalb, MS
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
175 Hopper Ave, De Kalb, MS 39328
Business 48 Months
$0
4.00%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
4501 Denny Ave, Pascagoula, MS 39581
48 Month IRA Jumbo
$100,000
3.92%
▲ 1.26% above national avg
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.26% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
4501 Denny Ave, Pascagoula, MS 39581
48 Month IRA
$1,000
3.87%
▲ 1.21% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
2201 17th St, Gulfport, MS 39501 2910
48 Months
$0
3.75%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
250 Industrial Rd, Pascagoula, MS 39581
48 Month Certificate
$0
3.60%
▲ 0.94% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.94% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
250 Industrial Rd, Pascagoula, MS 39581
48 Month Certificate
$0
3.50%
▲ 0.84% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
102 Highway 72 W, Corinth, MS 38834 5511
4 Year
$500
3.25%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
48-Month Certificate
$0
3.00%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Non-premier member APY: 2.75% | Dividend Rate: 2.72%
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
48-Month IRA Certificate
$0
3.00%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Non-premier member APY: 2.75% | Dividend Rate: 2.72%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
48-month term
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
48-month term Standard CDs
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Rewards APY 2.90% Regular APY 2.64% Dividend Rate 2.61%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
48-month term Standard CDs Rewards
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Regular APY 2.64% Dividend Rate 2.61%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
48-month term Standard IRA CDs
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Rewards APY 2.90% Regular APY 2.64% Dividend Rate 2.61%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
48-month term Standard IRA CDs Rewards
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Regular APY 2.64% Dividend Rate 2.61%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
Standard IRA CDs 48-month term
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Citizens Bank & Trust Co. MS
Institution Rating:
C+4.1 ★Texas Ratio: 25.28%
239 E Main St, Marks, MS 38646
48 Month CD
$1,000
2.79%
▲ 0.13% above national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.13% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
48-Month Business Certificate
$0
2.75%
▲ 0.09% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.09% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
48-Month Certificate
$0
2.75%
▲ 0.09% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.09% above avg
Details
Premier Member APY: 3.00% | Dividend Rate: 2.96%
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
48-Month IRA Certificate
$0
2.75%
▲ 0.09% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.09% above avg
Details
Premier Member APY: 3.00% | Dividend Rate: 2.96%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
48-month term
$0
2.64%
▼ 0.02% below national avg
▼
Rate2.61%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.02% below avg
Details
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS 39440 4239
48 Months
$0
2.58%
▼ 0.08% below national avg
▼
Rate2.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.08% below avg
Details
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS 39440 4239
Business Share Certificates 48 Months
$0
2.58%
▼ 0.08% below national avg
▼
Rate2.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.08% below avg
Details
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.12%
3318 HARDY ST, HATTIESBURG, MS 39401 6962
48 month Certificate
$0
2.55%
▼ 0.11% below national avg
▼
Rate2.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.11% below avg
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
498 Main St, Woodville, MS 39669
48 Month
$0
2.52%
▼ 0.14% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.14% below avg
Details
Compound: Quarterly
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
19 S Main St, Pontotoc, MS 38863
IRA Certificate 48 Months
$0
2.45%
▼ 0.21% below national avg
▼
Rate2.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.21% below avg
Details
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
84 Airways Pl, Southaven, MS 38671
48 Months IRA SC
$0
2.25%
▼ 0.41% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.41% below avg
Details
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
84 Airways Pl, Southaven, MS 38671
48 Months SC
$0
2.25%
▼ 0.41% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.41% below avg
Details
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
295 E Layfair Dr, Flowood, MS 39232 9527
Certificates 48 Month
$1,000
2.10%
▼ 0.56% below national avg
▼
Rate2.08%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.56% below avg
Details
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
19 S Main St, Pontotoc, MS 38863
48 Months
$0
1.75%
▼ 0.91% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.91% below avg
Details
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
567 S State St, Jackson, MS 39201
4 Year
$500
1.71%
▼ 0.95% below national avg
▼
Rate1.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.95% below avg
Details
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
903 Jackson Ave, Pascagoula, MS 39567
4 Year CD
$0
1.50%
▼ 1.16% below national avg
▼
Rate1.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.16% below avg
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
Jumbo IRA Certificates & Over) 48 Month
$0
1.30%
▼ 1.36% below national avg
▼
Rate1.29%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.36% below avg
Details
$100,000.00
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
IRA Certificates 48 Month
$0
1.25%
▼ 1.41% below national avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.41% below avg
Details
$25,000.01 - $99,999.99
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
Jumbo Share Certificates and Over) 48 Month
$0
1.20%
▼ 1.46% below national avg
▼
Rate1.19%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.46% below avg
Details
$100,000.00
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
Share Certificates 48 Month
$0
1.15%
▼ 1.51% below national avg
▼
Rate1.14%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.51% below avg
Details
$25,000.01 - $99,999.99
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
48 Month
$0
1.10%
▼ 1.56% below national avg
▼
Rate1.09%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.56% below avg
Details
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
48 Months
$0
0.85%
▼ 1.81% below national avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.81% below avg
Details
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
IRA Certificate 48 Months
$0
0.85%
▼ 1.81% below national avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.81% below avg
Details
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
48 Months
$0
0.80%
▼ 1.86% below national avg
▼
Rate0.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.86% below avg
Details
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
IRA Certificate 48 Months
$0
0.80%
▼ 1.86% below national avg
▼
Rate0.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.86% below avg
Details
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
1604 Cherry St, Vicksburg, MS 39180
48 Month Certificate
$1,000
0.75%
▼ 1.91% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.91% below avg
Details
APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties.
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
1604 Cherry St, Vicksburg, MS 39180
IRA Share Certificate 48 Month
$1,000
0.75%
▼ 1.91% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.91% below avg
Details
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
767 N PRESIDENT ST, JACKSON, MS 39202
Share Certificate (CD): 48 Months
$500
0.35%
▼ 2.31% below national avg
▼
Rate0.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 2.31% below avg
Details
Mississippi 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.76% APY▲ 0.03% from last week
The national average 60-month CD rate is 2.76% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
4501 Denny Ave, Pascagoula, MS 39581
60 Month IRA Jumbo
$100,000
4.28%
▲ 1.52% above national avg
▼
Rate4.20%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.52% above avg
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
4501 Denny Ave, Pascagoula, MS 39581
60 Month IRA
$1,000
4.23%
▲ 1.47% above national avg
▼
Rate4.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.47% above avg
Details
Commercial Bank De Kalb, MS
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
175 Hopper Ave, De Kalb, MS 39328
Business 60 Months
$0
4.20%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.44% above avg
Details
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
409 Riverwind Dr, Pearl, MS 39208 5917
60 Month Certificate
$1,000
4.06%
▲ 1.30% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.30% above avg
Details
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
409 Riverwind Dr, Pearl, MS 39208 5917
60 Month IRA Certificate
$1,000
4.06%
▲ 1.30% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.30% above avg
Details
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
2201 17th St, Gulfport, MS 39501 2910
60 Months
$0
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
250 Industrial Rd, Pascagoula, MS 39581
60 Month Certificate
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
102 Highway 72 W, Corinth, MS 38834 5511
5 Year
$500
3.35%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.59% above avg
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
498 Main St, Woodville, MS 39669
Roth IRA - Variable Rate (60 mo)
$100
3.29%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.53% above avg
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
276 Nissan Pkwy, Canton, MS 39046
60 Months
$0
3.24%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.48% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
60-month term
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
60-month term Standard CDs
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Rewards APY 3.10% Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
60-month term Standard CDs Rewards
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
60-month term Standard IRA CDs
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Rewards APY 3.10% Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
60-month term Standard IRA CDs Rewards
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
Standard IRA CDs 60-month term
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
60-Month Certificate
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
Non-premier member APY: 2.75% | Dividend Rate: 2.72%
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
60-Month IRA Certificate
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
Non-premier member APY: 2.75% | Dividend Rate: 2.72%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
911 N Davis Ave, Cleveland, MS 38732 2106
60-month term
$0
2.84%
▲ 0.08% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.08% above avg
Details
Citizens Bank & Trust Co. MS
Institution Rating:
C+4.1 ★Texas Ratio: 25.28%
239 E Main St, Marks, MS 38646
60 Month CD
$1,000
2.79%
▲ 0.03% above national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.03% above avg
Details
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
19 S Main St, Pontotoc, MS 38863
IRA Certificate 60 Months
$0
2.75%
▼ 0.01% below national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.01% below avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
60-Month Business Certificate
$0
2.75%
▼ 0.01% below national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.01% below avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
60-Month Certificate
$0
2.75%
▼ 0.01% below national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.01% below avg
Details
Premier Member APY: 3.00% | Dividend Rate: 2.96%
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS 38834 9043
60-Month IRA Certificate
$0
2.75%
▼ 0.01% below national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.01% below avg
Details
Premier Member APY: 3.00% | Dividend Rate: 2.96%
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS 39440 4239
60 Months
$0
2.68%
▼ 0.08% below national avg
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.08% below avg
Details
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS 39440 4239
Business Share Certificates 60 Months
$0
2.68%
▼ 0.08% below national avg
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.08% below avg
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
4 Old River Pl, Jackson, MS 39202 3431
IRA 60-Month Certificate
$0
2.67%
▼ 0.09% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.09% below avg
Details
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.12%
3318 HARDY ST, HATTIESBURG, MS 39401 6962
60 month Certificate
$0
2.55%
▼ 0.21% below national avg
▼
Rate2.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.21% below avg
Details
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
498 Main St, Woodville, MS 39669
60 Month
$0
2.52%
▼ 0.24% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.24% below avg
Details
Compound: Semi-Annual
Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★Texas Ratio: 18.55%
498 Main St, Woodville, MS 39669
Roth IRA - Fixed Rate (60 mo)
$1,000
2.52%
▼ 0.24% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.24% below avg
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7950 Craft Goodman Frontage Rd, Olive Branch, MS 38654
60 Months
$500
2.50%
▼ 0.26% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.26% below avg
Details
Ferguson Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 17.97%
1026 E Broad St, Monticello, MS 39654
60 Months
$0
2.39%
▼ 0.37% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.37% below avg
Details
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
84 Airways Pl, Southaven, MS 38671
60 Months IRA SC
$0
2.25%
▼ 0.51% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.51% below avg
Details
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
84 Airways Pl, Southaven, MS 38671
60 Months SC
$0
2.25%
▼ 0.51% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.51% below avg
Details
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
295 E Layfair Dr, Flowood, MS 39232 9527
Certificates 60 Month
$1,000
2.10%
▼ 0.66% below national avg
▼
Rate2.08%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.66% below avg
Details
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
567 S State St, Jackson, MS 39201
5 Year
$500
1.97%
▼ 0.79% below national avg
▼
Rate1.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.79% below avg
Details
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
903 Jackson Ave, Pascagoula, MS 39567
5 Year Jumbo CD
$0
1.95%
▼ 0.81% below national avg
▼
Rate1.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.81% below avg
Details
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
903 Jackson Ave, Pascagoula, MS 39567
5 Year CD
$0
1.85%
▼ 0.91% below national avg
▼
Rate1.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.91% below avg
Details
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
903 Jackson Ave, Pascagoula, MS 39567
5 Year IRA CD
$1,000
1.85%
▼ 0.91% below national avg
▼
Rate1.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.91% below avg
Details
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
19 S Main St, Pontotoc, MS 38863
60 Months
$0
1.85%
▼ 0.91% below national avg
▼
Rate1.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.91% below avg
Details
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★Texas Ratio: 38.77%
500H E WOODROW WILSON Ave, JACKSON, MS 39216 4538
60 Months Certificate of Deposit
$1,000
1.76%
▼ 1.00% below national avg
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.00% below avg
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
Jumbo IRA Certificates & Over) 60 Month
$0
1.55%
▼ 1.21% below national avg
▼
Rate1.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.21% below avg
Details
$100,000.00
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
IRA Certificates 60 Month
$0
1.50%
▼ 1.26% below national avg
▼
Rate1.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.26% below avg
Details
$25,000.01 - $99,999.99
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
Jumbo Share Certificates and Over) 60 Month
$0
1.45%
▼ 1.31% below national avg
▼
Rate1.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.31% below avg
Details
$100,000.00
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
Share Certificates 60 Month
$0
1.40%
▼ 1.36% below national avg
▼
Rate1.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.36% below avg
Details
$25,000.01 - $99,999.99
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS 39567 4353
60 Month
$0
1.35%
▼ 1.41% below national avg
▼
Rate1.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.41% below avg
Details
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
60 Months
$0
1.10%
▼ 1.66% below national avg
▼
Rate1.09%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.66% below avg
Details
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
IRA Certificate 60 Months
$0
1.10%
▼ 1.66% below national avg
▼
Rate1.09%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.66% below avg
Details
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
60 Months
$0
1.05%
▼ 1.71% below national avg
▼
Rate1.04%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.71% below avg
Details
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS 39503
IRA Certificate 60 Months
$0
1.05%
▼ 1.71% below national avg
▼
Rate1.04%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.71% below avg
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Mississippi CD Rate Trends
Compare local Mississippi 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 MS Avg
2.833%
▲ 0.655 vs 7 days ago
Mississippi 12-month CD rates rose 0.655 points over the past 7 days to 2.833% APY.
6-Month CD MS Avg
2.672%
▲ 1.494 vs 7 days ago
Mississippi 6-month CD rates rose 1.494 points over the past 7 days to 2.672% APY.
As of Sep 2, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
MS CD Rate Forecast, Next 12 Months
Where are Mississippi CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MS 12-Month Avg APY
2.833%
6-Month Forecast
2.833%
Range: 2.63% – 2.98%
12-Month Forecast
3.083%
Range: 2.88% – 3.23%
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What Your Savings Earn at MS CD Rates Today
Annual interest earnings at today’s Mississippi average APYs. State average used where available; national average as fallback.
| CD Term | MS Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.964% | $98.19 | $196.38 | $490.95 | $981.90 |
| 6-Month CD | 2.672% | $133.62 | $267.23 | $668.08 | $1,336.15 |
| 12-Month CD | 2.833% | $141.64 | $283.28 | $708.20 | $1,416.40 |
| 18-Month CD | 2.677% | $133.84 | $267.67 | $669.18 | $1,338.35 |
| 24-Month CD | 2.711% | $135.57 | $271.14 | $677.85 | $1,355.70 |
| 36-Month CD | 2.655% | $132.75 | $265.50 | $663.75 | $1,327.50 |
| 48-Month CD | 2.657% | $132.83 | $265.66 | $664.15 | $1,328.30 |
| 60-Month CD | 2.760% | $138.00 | $276.00 | $690.00 | $1,380.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 31, 2026. | |||||
Sample CD Ladder for Mississippi Savers
$25,000 split equally across 5 terms using today’s Mississippi average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MS Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.964% | $98.19 |
| 2 | 6-Month CD | $5,000 | 2.672% | $133.62 |
| 3 | 12-Month CD | $5,000 | 2.833% | $141.64 |
| 4 | 24-Month CD | $5,000 | 2.711% | $135.57 |
| 5 | 36-Month CD | $5,000 | 2.655% | $132.75 |
| Total ($25,000 invested) | $25,000 | 2.567% blended | $641.77/yr | |
Ladder example uses equal $5,000 rungs and Mississippi average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
295
CD Rates
Tracked in Mississippi
Tracked in Mississippi
7 Banks
27 Credit Unions
About Our Mississippi CD Rate Database
MonitorBankRates tracks 295 CD rates from 7 banks and 27 credit unions with locations in Mississippi, plus national online institutions available to Mississippi residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Fort Financial Federal Credit Union offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Mississippi.
How to Find the Best CD Rates in Mississippi
What to compare when shopping for a CD in Mississippi
To find the best APYs in Mississippi, start with credit unions and online-only banks: Mississippi has 27 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 Mississippi
- 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 Mississippi: 34 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Mississippi 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 Mississippi money market rates
Mississippi Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
17.2%
National avg: 17.3%
Median Individual Earnings
$37,351
National avg: $47,340
Poverty Rate
18.9%
National avg: 11.1%
Unemployment Rate
5.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$106/yr
At MS 12-mo avg 2.833% APY
17.2% of residents are 65 or older, in line with the national average of 17.3%. At today’s MS 12-month CD average of 2.833%, saving 10% of the local median salary ($3,735/year) and putting it in a CD would earn an additional $106 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 Mississippi
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Mississippi
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 Mississippi 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 Mississippi as everywhere in the U.S.
Choosing a CD Term in Mississippi
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Mississippi savers easier access to their funds. For example, Red River Employees Federal Credit Union is offering its 6 Month TEAL Certificate (Age 0-17) at 4.07% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, All In Credit Union is offering its 60 Month IRA Jumbo at 4.28% 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 Mississippi 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 Mississippi 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 Mississippi
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 Mississippi 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 Mississippi
Most CDs carry a fixed rate that is locked for the entire term, protecting a Mississippi 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 Mississippi
Are CD rates in Mississippi FDIC insured?
Yes, most established banks in Mississippi 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 Mississippi?
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 Mississippi.
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 Mississippi 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 Mississippi?
Here are recent top rates found for this area:
- Fort Financial Federal Credit Union: 4.50% APY (12-Month IRA Certificate)
- All In Credit Union: 4.28% APY (18 Month IRA Jumbo)
- Gulf Coast Community Federal Credit Union: 4.25% APY (12 Months - Special)
- Ferguson Federal Credit Union: 4.25% APY (24 Months)
- Commercial Bank De Kalb, MS: 4.20% APY (Business 60 Months)
- Sunbelt Federal Credit Union: 4.18% APY (18 Months)
- Red River Employees Federal Credit Union: 4.07% APY (6 Month TEAL Certificate (Age 0-17))
- Rivertrust Federal Credit Union: 4.06% APY (60 Month Certificate)
- Meridian Mississippi ANG Federal Credit Union: 4.04% APY (Certificates Of Deposit 12 Month Term)
- Triangle Federal Credit Union: 4.00% APY (12 Months)
Rates reflect recent verified offers available in Mississippi. Last Updated: August 31, 2026
Mississippi 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 Mississippi rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Mississippi
Mississippi CD Calculator
At today’s MS top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Mississippi CD LadderMS CD rates currently range from 1.964% (3-month) to 2.655% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Mississippi CD at 4.50% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsMississippi’s average 12-month CD is 2.833% 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 Mississippi 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 Mississippi 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 Mississippi. 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 MS.
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: August 31, 2026
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