Alligator, Mississippi Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Alligator, Mississippi CD rates from banks and credit unions serving Mississippi range from 0.05% to 5.00% APY, verified by MonitorBankRates as of October 31, 2026. Current Alligator, Mississippi CD rates include Gulf Coast Community Federal Credit UnionGulf Coast Community Federal Credit UnionA+5.0 ★Texas Ratio: 4.35%Real return: +1.30%APY minus CPIRate verified Oct 28, 2026 offering 6 Month Youth Share Certificates at 5.00% APY, Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MSA5.0 ★Texas Ratio: 7.78%Real return: +1.25%APY minus CPIRate verified Oct 29, 2026 offering 60 Month Jumbo Share Certificates (CDs) at 4.95% APY, Commercial Bank De Kalb, MSCommercial Bank De Kalb, MSA-4.3 ★Texas Ratio: 2.73%Real return: +0.80%APY minus CPIRate verified Oct 27, 2026 offering 60 Month Certificates of Deposit (CDs) at 4.50% APY, The New Orleans Firemens Federal Credit UnionThe New Orleans Firemens Federal Credit UnionA5.0 ★Texas Ratio: 7.30%Real return: +0.80%APY minus CPIRate verified Oct 28, 2026 offering 2-Year Regular Certificate or IRA Certificate at 4.50% APY, and Fort Financial Federal Credit UnionFort Financial Federal Credit UnionA+5.0 ★Texas Ratio: 2.95%Real return: +0.80%APY minus CPIRate verified Oct 28, 2026 offering 12-Month IRA Certificate - Premier Member at 4.50% APY. CD rates as of October 31, 2026 according to verified data from MonitorBankRates.
Alligator is a smaller community with no bank or credit union branches currently in our database. 624 institutions serving the Mississippi area are available to Alligator residents, with CD rates as high as 5.00% APY from Gulf Coast Community Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 31, 2026
Compare Best CD Rates in Alligator, Mississippi & the Surrounding Area
Alligator 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CM Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
3 Month Certificate of Deposit
$1,000
4.00%
▲ 2.53% above Mississippi avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average1.47%▲ 2.53% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month Jumbo Term Certificate
$100,000
3.71%
▲ 2.24% above Mississippi avg
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average1.47%▲ 2.24% above avgNationally 2.13%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
No change since Sep 18, 2026 · 3.71% APY · checked 4 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA
$1,000
3.66%
▲ 2.19% above Mississippi avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average1.47%▲ 2.19% above avgNationally 2.13%
Details
Certificates can only be added to at maturity or in the 10-day grace period
Rate History
No change since Oct 19, 2026 · 3.66% APY · checked 3 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month Term Certificate
$1,000
3.66%
▲ 2.19% above Mississippi avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average1.47%▲ 2.19% above avgNationally 2.13%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
No change since Sep 18, 2026 · 3.66% APY · checked 4 times
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Certificate - 3 Months
$500
3.55%
▲ 2.08% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average1.47%▲ 2.08% above avgNationally 2.13%
Details
Dividends quarterly; early withdrawals subject to penalty
Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 3 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month Share Certificate
$500
3.50%
▲ 2.03% above Mississippi avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average1.47%▲ 2.03% above avgNationally 2.13%
Details
Minimum Deposit $500
Rate History
1 change since Oct 5, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
- Oct 13, 20263.50%▲ from 3.30%
- Oct 5, 20263.30%first recorded
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
CD - 3 Month
$0
2.94%
▲ 1.47% above Mississippi avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average1.47%▲ 1.47% above avgNationally 2.13%
Details
Rate History
No change since Oct 20, 2026 · 2.94% APY · checked 3 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
CD - 3 Months
$0
2.18%
▲ 0.71% above Mississippi avg
▼
Rate2.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average1.47%▲ 0.71% above avgNationally 2.13%
Details
Effective Date: October 19th, 2026
Rate History
No change since Oct 19, 2026 · 2.18% APY · checked 4 times
Planters Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
Time Deposits Maturing < 1 Year - 3 Month
$500
2.02%
▲ 0.55% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average1.47%▲ 0.55% above avgNationally 2.13%
Details
Time Deposits Maturing < 1 Year; $500 minimum opening deposit
Rate History
No change since Oct 22, 2026 · 2.02% APY · checked 4 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
Certificate of Deposit - 3 Month
$500
2.00%
▲ 0.53% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average1.47%▲ 0.53% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 2 times
Mississippi National Guard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3 Month Certificate
$0
2.00%
▲ 0.53% above Mississippi avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average1.47%▲ 0.53% above avgNationally 2.13%
Details
Rate History
No change since Oct 5, 2026 · 2.00% APY · checked 5 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Build IT CDs - 3 Months
$100
1.64%
▲ 0.17% above Mississippi avg
▼
Rate1.64%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average1.47%▲ 0.17% above avgNationally 2.13%
Details
Balance: $100 to $999.99; Additional deposits accepted at any time; rolls into a regular CD of the same term once balance exceeds $999.99
Rate History
No change since Oct 19, 2026 · 1.64% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.55%
▲ 0.08% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average1.47%▲ 0.08% above avgNationally 2.13%
Details
Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 1.55% APY · checked 3 times
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
Certificates of Deposits - 3 Month
$2,500
1.51%
▲ 0.04% above Mississippi avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average1.47%▲ 0.04% above avgNationally 2.13%
Details
Compound: At Maturity
Rate History
No change since Oct 21, 2026 · 1.51% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.50%
▲ 0.03% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average1.47%▲ 0.03% above avgNationally 2.13%
Details
Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 3 times
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
3 Month Certificate Account
$0
1.10%
▼ 0.37% below Mississippi avg
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average1.47%▼ 0.37% below avgNationally 2.13%
Details
Dividends Paid: Quarterly; Effective as of: Aug 23, 2022
Rate History
No change since Sep 21, 2026 · 1.10% APY · checked 9 times
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
Certificate of Deposit - 90 Days
$0
1.00%
▼ 0.47% below Mississippi avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Mississippi Average1.47%▼ 0.47% below avgNationally 2.13%
Details
Minimum balance $1000.00; penalty may be applied for early withdrawal
Rate History
No change since Oct 22, 2026 · 1.00% APY · checked 2 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
90-Day Certificate - Premier Member
$500
0.80%
▼ 0.67% below Mississippi avg
▼
Rate0.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average1.47%▼ 0.67% below avgNationally 2.13%
Details
Premier Member rate; Minimum balance to open a certificate is $500
Rate History
No change since Oct 8, 2026 · 0.80% APY · checked 5 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3 Month Share Certificates
$0
0.65%
▼ 0.82% below Mississippi avg
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average1.47%▼ 0.82% below avgNationally 2.13%
Details
Minimum Balance: $50,000
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 7 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3 Month Standard CDs - Rewards
$0
0.60%
▼ 0.87% below Mississippi avg
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average1.47%▼ 0.87% below avgNationally 2.13%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 0.60% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard CD 3-month term
$0
0.60%
▼ 0.87% below Mississippi avg
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average1.47%▼ 0.87% below avgNationally 2.13%
Details
Rewards APY
Rate History
1 change since Oct 14, 2026 · 0.50% → 0.60% ▲ 0.10 pts · high 0.60% / low 0.50%
- Oct 30, 20260.60%▲ from 0.50%
- Oct 14, 20260.50%first recorded
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
90-Day Certificate
$500
0.55%
▼ 0.92% below Mississippi avg
▼
Rate0.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average1.47%▼ 0.92% below avgNationally 2.13%
Details
Non-premier member rate; Minimum balance to open a certificate is $500
Rate History
1 change since Sep 14, 2026 · 0.80% → 0.55% ▼ 0.25 pts · high 0.80% / low 0.55%
- Oct 15, 20260.55%▼ from 0.80%
- Sep 14, 20260.80%first recorded
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
3 Month Certificate
$0
0.55%
▼ 0.92% below Mississippi avg
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average1.47%▼ 0.92% below avgNationally 2.13%
Details
Balance: $100,000+; Penalty for early withdrawal applies
Rate History
No change since Oct 12, 2026 · 0.55% APY · checked 3 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3 Month Share Certificates
$0
0.55%
▼ 0.92% below Mississippi avg
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average1.47%▼ 0.92% below avgNationally 2.13%
Details
Minimum Balance: $500
Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 7 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3 Month Standard CDs - Regular
$0
0.50%
▼ 0.97% below Mississippi avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average1.47%▼ 0.97% below avgNationally 2.13%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard CD 3-month term
$0
0.50%
▼ 0.97% below Mississippi avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average1.47%▼ 0.97% below avgNationally 2.13%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 2 times
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
90 Day Certificate
$500
0.50%
▼ 0.97% below Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average1.47%▼ 0.97% below avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 7 times
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
3 Month Certificate
$0
0.35%
▼ 1.12% below Mississippi avg
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average1.47%▼ 1.12% below avgNationally 2.13%
Details
Balance: $1,000 - $49,999.99
Rate History
No change since Oct 15, 2026 · 0.35% APY · checked 3 times
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Certificate - 3 Months
$0
0.35%
▼ 1.12% below Mississippi avg
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average1.47%▼ 1.12% below avgNationally 2.13%
Details
Balance: $1,000 - $49,999.99
Rate History
No change since Oct 23, 2026 · 0.35% APY · checked 2 times
Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 3 Months
$1,000
0.30%
▼ 1.17% below Mississippi avg
▼
Rate0.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average1.47%▼ 1.17% below avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 0.30% APY · checked 3 times
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
Certificates - 3 Month
$1,000
0.15%
▼ 1.32% below Mississippi avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average1.47%▼ 1.32% below avgNationally 2.13%
Details
Requires $1000 minimum balance to open; APY accurate as of 2/8/23
Rate History
No change since Oct 26, 2026 · 0.15% APY · checked 2 times
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Personal Certificates of Deposit - 90 Days
$1,000
0.10%
▼ 1.37% below Mississippi avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average1.47%▼ 1.37% below avgNationally 2.13%
Details
Interest Credited: Maturity
Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 5 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 Month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 1.41% below Mississippi avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average1.47%▼ 1.41% below avgNationally 2.13%
Details
California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 5 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 Month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.42% below Mississippi avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average1.47%▼ 1.42% below avgNationally 2.13%
Details
California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3 Month Personal Certificate of Deposit
$0
0.05%
▼ 1.42% below Mississippi avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average1.47%▼ 1.42% below avgNationally 2.13%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
90 Day Regular CD Account
$0
0.05%
▼ 1.42% below Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average1.47%▼ 1.42% below avgNationally 2.13%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 3 times
Alligator 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Coast Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
6 Month Youth Share Certificates
$0
5.00%
▲ 2.81% above Mississippi avg
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▲ 2.81% above avgNationally 2.79%
Details
Balance: $500-$15,000
Rate History
No change since Sep 25, 2026 · 5.00% APY · checked 5 times
Gulf Coast Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
Youth Share Certificates - 6 Months
$0
5.00%
▲ 2.81% above Mississippi avg
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▲ 2.81% above avgNationally 2.79%
Details
Balance: $500-$15,000
Rate History
No change since Oct 15, 2026 · 5.00% APY · checked 3 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6 Month TEAL Certificate
$250
4.33%
▲ 2.14% above Mississippi avg
▼
Rate4.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▲ 2.14% above avgNationally 2.79%
Details
Ages: 13-17; Dividends Credited/Compounded: Monthly; $250 minimum
Rate History
No change since Oct 12, 2026 · 4.33% APY · checked 3 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6-Month TEAL Certificate for Teens
$250
4.33%
▲ 2.14% above Mississippi avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▲ 2.14% above avgNationally 2.79%
Details
Ages: 13-17; Teens Earning And Learning; APY compounded monthly
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Oct 4, 20264.33%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 6 Months
$500
4.33%
▲ 2.14% above Mississippi avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▲ 2.14% above avgNationally 2.79%
Details
Published APY range: 4.33%/4.32%. Dividends Credited/Compounded: Monthly/Quarterly; APY shown Monthly/Quarterly
Rate History
No change since Oct 15, 2026 · 4.33% APY · checked 3 times
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
6-Month Regular Certificate or IRA Certificate
$10,000
4.25%
▲ 2.06% above Mississippi avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▲ 2.06% above avgNationally 2.79%
Details
Deposit: $10,000+
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 3 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month Jumbo Term Certificate
$100,000
4.12%
▲ 1.93% above Mississippi avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▲ 1.93% above avgNationally 2.79%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
No change since Sep 18, 2026 · 4.12% APY · checked 4 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month IRA
$1,000
4.07%
▲ 1.88% above Mississippi avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▲ 1.88% above avgNationally 2.79%
Details
Certificates can only be added to at maturity or in the 10-day grace period
Rate History
No change since Oct 19, 2026 · 4.07% APY · checked 3 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month Term Certificate
$1,000
4.07%
▲ 1.88% above Mississippi avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▲ 1.88% above avgNationally 2.79%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
No change since Sep 18, 2026 · 4.07% APY · checked 4 times
Fidelity Bank New Orleans, LA
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
6 Month Pick-Your-Term CD/IRA Special
$1,000
4.05%
▲ 1.86% above Mississippi avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▲ 1.86% above avgNationally 2.79%
Details
Choice of terms: 6 month or 12 month; Deposit minimum $1,000; New or Current Money; Early withdrawals are subject to penalty
Rate History
No change since Oct 28, 2026 · 4.05% APY
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
6 Month Certificates of Deposit (CDs)
$0
4.00%
▲ 1.81% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Mississippi Average2.19%▲ 1.81% above avgNationally 2.79%
Details
Penalty: 1 Month
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
6 Month Youth Certificate
$1,000
4.00%
▲ 1.81% above Mississippi avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▲ 1.81% above avgNationally 2.79%
Details
Term: 6 months, 12 months, 3 years or 5 years
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 5 times
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
6-Month Regular Certificate or IRA Certificate
$2,000
4.00%
▲ 1.81% above Mississippi avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▲ 1.81% above avgNationally 2.79%
Details
Deposit: $2,000-$9,999
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 3 times
Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Share Certificate - 6 Month JUMBO
$50,000
4.00%
▲ 1.81% above Mississippi avg
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.19%▲ 1.81% above avgNationally 2.79%
Details
Jumbo; Dividends Compounded & Paid: At Maturity; Penalty will be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 4 times
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
Certificate - 6 Months
$0
4.00%
▲ 1.81% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.19%▲ 1.81% above avgNationally 2.79%
Details
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
Share & IRA Certificates - 6 Months
$0
4.00%
▲ 1.81% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.19%▲ 1.81% above avgNationally 2.79%
Details
Penalty for early withdrawal applies; Rates and APYs accurate as of November 2022
Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Month Share Certificate
$500
3.85%
▲ 1.66% above Mississippi avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.19%▲ 1.66% above avgNationally 2.79%
Details
Minimum Deposit $500
Rate History
1 change since Oct 5, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
- Oct 13, 20263.85%▲ from 3.50%
- Oct 5, 20263.50%first recorded
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Business Certificate 6 Months
$500
3.82%
▲ 1.63% above Mississippi avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▲ 1.63% above avgNationally 2.79%
Details
Dividends compounded monthly and credited monthly
Rate History
No change since Oct 23, 2026 · 3.82% APY · checked 2 times
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 6 Months
$0
3.82%
▲ 1.63% above Mississippi avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▲ 1.63% above avgNationally 2.79%
Details
Minimum balance to earn stated APY: $500
Rate History
No change since Oct 15, 2026 · 3.82% APY · checked 3 times
CM Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
6 Month Certificate of Deposit
$1,000
3.75%
▲ 1.56% above Mississippi avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.19%▲ 1.56% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 6 Months
$2,500
3.66%
▲ 1.47% above Mississippi avg
▼
Rate3.60%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▲ 1.47% above avgNationally 2.79%
Details
$2,500 minimum deposit tier
Rate History
No change since Oct 22, 2026 · 3.66% APY · checked 3 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Investment Certificates - 6 Months SC
$0
3.50%
▲ 1.31% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.19%▲ 1.31% above avgNationally 2.79%
Details
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 4 times
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Certificate - 6 Months
$500
3.44%
▲ 1.25% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.19%▲ 1.25% above avgNationally 2.79%
Details
Dividends quarterly; early withdrawals subject to penalty
Rate History
No change since Oct 15, 2026 · 3.44% APY · checked 3 times
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Regular Certificate - 6-month
$0
3.40%
▲ 1.21% above Mississippi avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.19%▲ 1.21% above avgNationally 2.79%
Details
Rates listed above are accurate as of 10/25/2026.
Rate History
No change since Oct 26, 2026 · 3.40% APY · checked 2 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
CD - 6 Month
$0
3.20%
▲ 1.01% above Mississippi avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.19%▲ 1.01% above avgNationally 2.79%
Details
Rate History
No change since Oct 20, 2026 · 3.20% APY · checked 3 times
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
6 Month Certificate
$500
3.10%
▲ 0.91% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▲ 0.91% above avgNationally 2.79%
Details
Rate History
1 change since Sep 14, 2026 · 2.50% → 3.10% ▲ 0.60 pts · high 3.10% / low 2.50%
- Oct 30, 20263.10%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
6 Month Certificate
$1,000
3.00%
▲ 0.81% above Mississippi avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▲ 0.81% above avgNationally 2.79%
Details
Dividend Posting Period: maturity; Effective as of: 01/21/2026
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 7 times
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
Term Certificate - 6 Month
$1,000
3.00%
▲ 0.81% above Mississippi avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▲ 0.81% above avgNationally 2.79%
Details
Rates effective as of 09/18/2025
Rate History
No change since Oct 23, 2026 · 3.00% APY · checked 2 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
CD - 6 Months
$0
2.98%
▲ 0.79% above Mississippi avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▲ 0.79% above avgNationally 2.79%
Details
Effective Date: October 19th, 2026
Rate History
No change since Oct 19, 2026 · 2.98% APY · checked 4 times
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
Certificates of Deposits - 6 Month
$2,500
2.77%
▲ 0.58% above Mississippi avg
▼
Rate2.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.19%▲ 0.58% above avgNationally 2.79%
Details
Compound: At Maturity
Rate History
No change since Oct 21, 2026 · 2.77% APY · checked 3 times
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
Roth IRA - Fixed Rate (6 mo)
$1,000
2.77%
▲ 0.58% above Mississippi avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.19%▲ 0.58% above avgNationally 2.79%
Details
Compound: Semi-Annual
Rate History
No change since Sep 14, 2026 · 2.77% APY · checked 9 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
Certificate of Deposit - 6 Month
$500
2.25%
▲ 0.06% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.19%▲ 0.06% above avgNationally 2.79%
Details
Rate History
No change since Oct 14, 2026 · 2.25% APY · checked 2 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
IRA Certificate - 6 Month
$500
2.25%
▲ 0.06% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.19%▲ 0.06% above avgNationally 2.79%
Details
Penalties may be imposed for early withdrawal
Rate History
No change since Sep 27, 2026 · 2.25% APY · checked 4 times
Planters Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
Time Deposits Maturing < 1 Year - 6 Month
$500
2.01%
▼ 0.18% below Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.19%▼ 0.18% below avgNationally 2.79%
Details
Time Deposits Maturing < 1 Year; $500 minimum opening deposit
Rate History
No change since Oct 22, 2026 · 2.01% APY · checked 4 times
Mississippi National Guard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6 Month Certificate
$0
2.00%
▼ 0.19% below Mississippi avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.19%▼ 0.19% below avgNationally 2.79%
Details
Rate History
No change since Oct 5, 2026 · 2.00% APY · checked 5 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Build IT CDs - 6 Months
$100
1.80%
▼ 0.39% below Mississippi avg
▼
Rate1.81%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▼ 0.39% below avgNationally 2.79%
Details
Balance: $100 to $999.99; Additional deposits accepted at any time; rolls into a regular CD of the same term once balance exceeds $999.99
Rate History
No change since Oct 19, 2026 · 1.80% APY · checked 3 times
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
6 Month Jumbo CD
$100,000
1.60%
▼ 0.59% below Mississippi avg
▼
Rate1.59%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Mississippi Average2.19%▼ 0.59% below avgNationally 2.79%
Details
Minimum to Open and Earn APY is $100,000.00; APY assumes principal and interest remain on deposit; Early withdrawal penalties apply
Rate History
No change since Oct 21, 2026 · 1.60% APY · checked 2 times
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
6 Month CD
$0
1.50%
▼ 0.69% below Mississippi avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Mississippi Average2.19%▼ 0.69% below avgNationally 2.79%
Details
*Minimum balance to open 7 Month Anniversary CD is $10,000. Interest is simple and pays at maturity. APY assumes principal remains on deposit.
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 9 times
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
6 Month IRA CD
$1,000
1.50%
▼ 0.69% below Mississippi avg
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Mississippi Average2.19%▼ 0.69% below avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 9 times
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
6 Month Certificate Account
$0
1.35%
▼ 0.84% below Mississippi avg
▼
Rate1.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.19%▼ 0.84% below avgNationally 2.79%
Details
Dividends Paid: Quarterly; Effective as of: Aug 23, 2022
Rate History
No change since Sep 21, 2026 · 1.35% APY · checked 9 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
6 Month Standard CDs - Rewards
$0
1.35%
▼ 0.84% below Mississippi avg
▼
Rate1.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▼ 0.84% below avgNationally 2.79%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 1.35% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard CD 6-month term
$0
1.35%
▼ 0.84% below Mississippi avg
▼
Rate1.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▼ 0.84% below avgNationally 2.79%
Details
Rewards APY
Rate History
1 change since Oct 14, 2026 · 1.25% → 1.35% ▲ 0.10 pts · high 1.35% / low 1.25%
- Oct 30, 20261.35%▲ from 1.25%
- Oct 14, 20261.25%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
6 Month Standard CDs - Regular
$0
1.25%
▼ 0.94% below Mississippi avg
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▼ 0.94% below avgNationally 2.79%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard CD 6-month term
$0
1.25%
▼ 0.94% below Mississippi avg
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▼ 0.94% below avgNationally 2.79%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
6 Month Share Certificates
$0
1.20%
▼ 0.99% below Mississippi avg
▼
Rate1.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▼ 0.99% below avgNationally 2.79%
Details
Minimum Balance: $50,000
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 7 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
6 Month Share Certificates
$0
1.10%
▼ 1.09% below Mississippi avg
▼
Rate1.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▼ 1.09% below avgNationally 2.79%
Details
Minimum Balance: $500
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 7 times
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
Share Certificate - 6 months
$500
0.95%
▼ 1.24% below Mississippi avg
▼
Rate0.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▼ 1.24% below avgNationally 2.79%
Details
Regular certificate rate; effective 01/24/2024
Rate History
No change since Oct 23, 2026 · 0.95% APY · checked 2 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
6-Month Certificate - Premier Member
$500
0.85%
▼ 1.34% below Mississippi avg
▼
Rate0.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▼ 1.34% below avgNationally 2.79%
Details
Premier Member rate; Minimum balance to open a certificate is $500
Rate History
No change since Oct 8, 2026 · 0.85% APY · checked 5 times
Southern Coastal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Share Certificate 6 Month
$500
0.75%
▼ 1.44% below Mississippi avg
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.19%▼ 1.44% below avgNationally 2.79%
Details
Dividends paid quarterly and at maturity; shared schedule also lists IRA Certificates (minimum $1,000); APR column printed as 0.75%
Rate History
No change since Oct 26, 2026 · 0.75% APY · checked 2 times
Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 6 Months
$1,000
0.75%
▼ 1.44% below Mississippi avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▼ 1.44% below avgNationally 2.79%
Details
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 3 times
Alligator 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
12 Month Jumbo Share Certificates (CDs)
$1,000
4.53%
▲ 1.81% above Mississippi avg
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.72%▲ 1.81% above avgNationally 3.01%
Details
Jumbo rate; standard jumbo rates available on deposits of $95,000 or more
Rate History
No change since Oct 26, 2026 · 4.53% APY · checked 2 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
12-Month IRA Certificate - Premier Member
$500
4.50%
▲ 1.78% above Mississippi avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.72%▲ 1.78% above avgNationally 3.01%
Details
Premier Member rate; minimum balance to open an IRA certificate is $500
Rate History
No change since Oct 23, 2026 · 4.50% APY · checked 2 times
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
12-Month Regular Certificate or IRA Certificate
$10,000
4.40%
▲ 1.68% above Mississippi avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.72%▲ 1.68% above avgNationally 3.01%
Details
Deposit: $10,000+
Rate History
No change since Oct 12, 2026 · 4.40% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.63% above Mississippi avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.72%▲ 1.63% above avgNationally 3.01%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 8 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Share Certificate
$0
4.35%
▲ 1.63% above Mississippi avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.72%▲ 1.63% above avgNationally 3.01%
Details
Rate Effective Date: October 29, 2026
Rate History
No change since Oct 23, 2026 · 4.35% APY · checked 2 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 12 Months
$500
4.33%
▲ 1.61% above Mississippi avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.72%▲ 1.61% above avgNationally 3.01%
Details
Published APY range: 4.33%/4.32%. Dividends Credited/Compounded: Monthly/Quarterly; APY shown Monthly/Quarterly
Rate History
No change since Oct 15, 2026 · 4.33% APY · checked 3 times
Gulf Coast Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
12 Month SPECIAL RATE - Share Certificate and IRA Certificate
$0
4.25%
▲ 1.53% above Mississippi avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.72%▲ 1.53% above avgNationally 3.01%
Details
Balance: $1,000+; Special rate available for a limited time; Early withdrawal penalty: one half of the original term's projected dividend earnings, 365 day maximum; Rates are subject to change at renewal
Rate History
No change since Sep 25, 2026 · 4.25% APY · checked 5 times
Gulf Coast Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
Share Certificate - 12 Months Special
$0
4.25%
▲ 1.53% above Mississippi avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.72%▲ 1.53% above avgNationally 3.01%
Details
Balance: $1,000+; Special rate available for a limited time; Rates are subject to change at renewal; Early withdrawal penalty equal to one half of the original term's projected dividend earnings with a 365 day maximum
Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
12-Month IRA Certificate
$500
4.25%
▲ 1.53% above Mississippi avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.72%▲ 1.53% above avgNationally 3.01%
Details
Non-premier member rate; minimum balance to open an IRA certificate is $500
Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Share Certificate
$500
4.25%
▲ 1.53% above Mississippi avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.72%▲ 1.53% above avgNationally 3.01%
Details
Minimum Deposit $500
Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 6 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month Jumbo Term Certificate
$100,000
4.23%
▲ 1.51% above Mississippi avg
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.72%▲ 1.51% above avgNationally 3.01%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
No change since Sep 18, 2026 · 4.23% APY · checked 4 times
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
12 Month Certificates of Deposit (CDs)
$0
4.20%
▲ 1.48% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Mississippi Average2.72%▲ 1.48% above avgNationally 3.01%
Details
Penalty: 3 Months
Rate History
No change since Oct 22, 2026 · 4.20% APY · checked 2 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month IRA
$1,000
4.18%
▲ 1.46% above Mississippi avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.72%▲ 1.46% above avgNationally 3.01%
Details
Certificates can only be added to at maturity or in the 10-day grace period
Rate History
No change since Oct 19, 2026 · 4.18% APY · checked 3 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month Term Certificate
$1,000
4.18%
▲ 1.46% above Mississippi avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.72%▲ 1.46% above avgNationally 3.01%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
No change since Sep 18, 2026 · 4.18% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.10%
▲ 1.38% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.72%▲ 1.38% above avgNationally 3.01%
Details
Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.05%
▲ 1.33% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.72%▲ 1.33% above avgNationally 3.01%
Details
Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 3 times
Fidelity Bank New Orleans, LA
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
12 Month Pick-Your-Term CD/IRA Special
$1,000
4.05%
▲ 1.33% above Mississippi avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.72%▲ 1.33% above avgNationally 3.01%
Details
Choice of terms: 6 month or 12 month; Deposit minimum $1,000; New or Current Money; Early withdrawals are subject to penalty
Rate History
No change since Oct 28, 2026 · 4.05% APY
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
Certificates Of Deposit 12 Month Term
$0
4.04%
▲ 1.32% above Mississippi avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.72%▲ 1.32% above avgNationally 3.01%
Details
Rate History
No change since Sep 14, 2026 · 4.04% APY · checked 10 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month EasyStart Certificate
$50
4.00%
▲ 1.28% above Mississippi avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.72%▲ 1.28% above avgNationally 3.01%
Details
Share, IRA, ESA; Rates as of Oct 30, 2026 ET; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
12-Month Regular Certificate or IRA Certificate
$2,000
4.00%
▲ 1.28% above Mississippi avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.72%▲ 1.28% above avgNationally 3.01%
Details
Deposit: $2,000-$9,999
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 3 times
Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Share Certificate - 12 Months
$10,000
4.00%
▲ 1.28% above Mississippi avg
▼
Rate4.00%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.72%▲ 1.28% above avgNationally 3.01%
Details
Dividends Compounded & Paid: Quarterly; Penalty will be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 4 times
Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 12 Months
$2,500
3.82%
▲ 1.10% above Mississippi avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.72%▲ 1.10% above avgNationally 3.01%
Details
$2,500 minimum deposit tier
Rate History
No change since Oct 22, 2026 · 3.82% APY · checked 3 times
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
Share Certificate 12 Month Special
$500
3.82%
▲ 1.10% above Mississippi avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.72%▲ 1.10% above avgNationally 3.01%
Details
Limited time offer, effective 10/03/2025
Rate History
No change since Oct 23, 2026 · 3.82% APY · checked 2 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
12-Month Certificate - Premier Member
$500
3.75%
▲ 1.03% above Mississippi avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.72%▲ 1.03% above avgNationally 3.01%
Details
Premier Member rate; Minimum balance to open a certificate is $500
Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 5 times
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
Certificate Specials - 12 Month
$1,000
3.75%
▲ 1.03% above Mississippi avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.72%▲ 1.03% above avgNationally 3.01%
Details
Promotional APY for new money only; APY accurate as of 11/18/24; early withdrawal loses 30 days interest
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Regular Certificate - 12-month
$0
3.70%
▲ 0.98% above Mississippi avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.72%▲ 0.98% above avgNationally 3.01%
Details
Rates listed above are accurate as of 10/25/2026.
Rate History
No change since Oct 26, 2026 · 3.70% APY · checked 2 times
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
Certificate - 12 Months
$0
3.69%
▲ 0.97% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.72%▲ 0.97% above avgNationally 3.01%
Details
Rate History
No change since Oct 13, 2026 · 3.69% APY · checked 3 times
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
Share & IRA Certificates - 12 Months
$0
3.69%
▲ 0.97% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.72%▲ 0.97% above avgNationally 3.01%
Details
Penalty for early withdrawal applies; Rates and APYs accurate as of November 2022
Rate History
No change since Oct 23, 2026 · 3.69% APY · checked 2 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month Smart Start Term Certificate
$25
3.66%
▲ 0.94% above Mississippi avg
▼
Rate3.60%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.72%▲ 0.94% above avgNationally 3.01%
Details
Additional funds may be added at any time.
Rate History
No change since Oct 19, 2026 · 3.66% APY · checked 3 times
HealthPlus Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.07%
Certificate of Deposit - 12 Months (1)
$1,000
3.56%
▲ 0.84% above Mississippi avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.72%▲ 0.84% above avgNationally 3.01%
Details
Effective Date 9/01/2026; Minimum Balance to Avoid Fees: n/a; Dividends Compounded and Credited: Quarterly; Dividends Period: Quarterly; footnote (1)
Rate History
No change since Oct 23, 2026 · 3.56% APY · checked 2 times
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Certificate - 12 Months
$500
3.55%
▲ 0.83% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.72%▲ 0.83% above avgNationally 3.01%
Details
Dividends quarterly; early withdrawals subject to penalty
Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 3 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
CD - 12 Month
$0
3.51%
▲ 0.79% above Mississippi avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.72%▲ 0.79% above avgNationally 3.01%
Details
Rate History
No change since Oct 20, 2026 · 3.51% APY · checked 3 times
Gulf Coast Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
12 Month IRA Certificate
$0
3.50%
▲ 0.78% above Mississippi avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.72%▲ 0.78% above avgNationally 3.01%
Details
Balance: $1,000+; Early Withdrawal Penalty: one half of the original term's projected dividend earnings (whether earned or not), 365 day maximum
Rate History
1 change since Sep 25, 2026 · 0.60% → 3.50% ▲ 2.90 pts · high 3.50% / low 0.60%
- Oct 8, 20263.50%▲ from 0.60%
- Sep 25, 20260.60%first recorded
Gulf Coast Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
12 Month Share Certificate
$0
3.50%
▲ 0.78% above Mississippi avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.72%▲ 0.78% above avgNationally 3.01%
Details
Balance: $1,000 or more
Rate History
1 change since Oct 4, 2026 · 4.25% → 3.50% ▼ 0.75 pts · high 4.25% / low 3.50%
- Oct 8, 20263.50%▼ from 4.25%
- Oct 4, 20264.25%first recorded
Gulf Coast Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
IRA Certificate - 12 Month Special
$0
3.50%
▲ 0.78% above Mississippi avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.72%▲ 0.78% above avgNationally 3.01%
Details
Balance: $1,000+; Special 12 month IRA certificate
Rate History
No change since Oct 4, 2026 · 3.50% APY · checked 4 times
Gulf Coast Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
Share Certificate - 12 Month Special
$1,000
3.50%
▲ 0.78% above Mississippi avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.72%▲ 0.78% above avgNationally 3.01%
Details
Balance: $1,000+
Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 3 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
12-Month Business Certificate
$500
3.50%
▲ 0.78% above Mississippi avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.72%▲ 0.78% above avgNationally 3.01%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
12-Month Certificate
$500
3.50%
▲ 0.78% above Mississippi avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.72%▲ 0.78% above avgNationally 3.01%
Details
Non-premier member rate; Minimum balance to open a certificate is $500
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.50% ▼ 0.25 pts · high 3.75% / low 3.50%
- Oct 15, 20263.50%▼ from 3.75%
- Sep 14, 20263.75%first recorded
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
Roth IRA - Fixed Rate (12 mo)
$1,000
3.44%
▲ 0.72% above Mississippi avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.72%▲ 0.72% above avgNationally 3.01%
Details
Compound: Quarterly
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 9 times
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
1 Year Certificate
$500
3.40%
▲ 0.68% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.72%▲ 0.68% above avgNationally 3.01%
Details
Rate History
1 change since Sep 14, 2026 · 2.85% → 3.40% ▲ 0.55 pts · high 3.40% / low 2.85%
- Oct 30, 20263.40%▲ from 2.85%
- Sep 14, 20262.85%first recorded
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
Certificates of Deposits - 12 Month
$1,000
3.29%
▲ 0.57% above Mississippi avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.72%▲ 0.57% above avgNationally 3.01%
Details
Compound: Quarterly
Rate History
No change since Oct 21, 2026 · 3.29% APY · checked 3 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
CD 12 Month
$0
3.25%
▲ 0.53% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.72%▲ 0.53% above avgNationally 3.01%
Details
Balance: $100,000 and above; special rate on select new CD accounts
Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 3 times
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
12 Month Certificate
$1,000
3.25%
▲ 0.53% above Mississippi avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.72%▲ 0.53% above avgNationally 3.01%
Details
Dividend Posting Period: maturity; Effective as of: 01/21/2026
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 7 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Investment Certificates - 12 Months IRA SC
$0
3.25%
▲ 0.53% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.72%▲ 0.53% above avgNationally 3.01%
Details
IRA
Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 4 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Investment Certificates - 12 Months SC
$0
3.25%
▲ 0.53% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.72%▲ 0.53% above avgNationally 3.01%
Details
Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 4 times
CM Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
12 Month Certificate of Deposit
$1,000
3.25%
▲ 0.53% above Mississippi avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.72%▲ 0.53% above avgNationally 3.01%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 9 times
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Roth Convertible IRA Certificate - 12 Months
$500
3.24%
▲ 0.52% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.72%▲ 0.52% above avgNationally 3.01%
Details
Roth Convertible certificate; dividends paid quarterly; early withdrawals subject to penalty
Rate History
No change since Oct 23, 2026 · 3.24% APY · checked 2 times
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Roth IRA Certificate - 12 Months
$500
3.24%
▲ 0.52% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.72%▲ 0.52% above avgNationally 3.01%
Details
Roth IRA certificate; dividends paid quarterly; early withdrawals subject to penalty
Rate History
No change since Oct 23, 2026 · 3.24% APY · checked 2 times
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Business Certificate 12 Months
$500
3.20%
▲ 0.48% above Mississippi avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.72%▲ 0.48% above avgNationally 3.01%
Details
Dividends compounded monthly and credited monthly
Rate History
No change since Oct 23, 2026 · 3.20% APY · checked 2 times
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 12 Months
$0
3.20%
▲ 0.48% above Mississippi avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.72%▲ 0.48% above avgNationally 3.01%
Details
Minimum balance to earn stated APY: $500
Rate History
No change since Oct 15, 2026 · 3.20% APY · checked 3 times
Alligator 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
18-Month Regular Certificate or IRA Certificate
$10,000
4.45%
▲ 1.42% above Mississippi avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average3.03%▲ 1.42% above avgNationally 2.91%
Details
Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 5 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month Jumbo Term Certificate
$100,000
4.39%
▲ 1.36% above Mississippi avg
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average3.03%▲ 1.36% above avgNationally 2.91%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
1 change since Sep 18, 2026 · 4.28% → 4.39% ▲ 0.11 pts · high 4.39% / low 4.28%
- Oct 19, 20264.39%▲ from 4.28%
- Sep 18, 20264.28%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$0
4.35%
▲ 1.32% above Mississippi avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average3.03%▲ 1.32% above avgNationally 2.91%
Details
Rate Effective Date: October 29, 2026
Rate History
No change since Oct 23, 2026 · 4.35% APY · checked 2 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 18 Months
$500
4.33%
▲ 1.30% above Mississippi avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average3.03%▲ 1.30% above avgNationally 2.91%
Details
Dividends Credited/Compounded: Monthly
Rate History
No change since Oct 15, 2026 · 4.33% APY · checked 3 times
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Business Certificate 18 Months (special)
$500
4.33%
▲ 1.30% above Mississippi avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average3.03%▲ 1.30% above avgNationally 2.91%
Details
Certificate special; if the term is not available on maturity, certificate renews to the next highest term; Dividends compounded monthly and credited monthly
Rate History
No change since Oct 23, 2026 · 4.33% APY · checked 2 times
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 18 Months
$0
4.33%
▲ 1.30% above Mississippi avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average3.03%▲ 1.30% above avgNationally 2.91%
Details
Minimum balance to earn stated APY: $500; Certificate special: if term not available on maturity, certificate renews to next highest term
Rate History
No change since Oct 15, 2026 · 4.33% APY · checked 3 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA
$1,000
4.33%
▲ 1.30% above Mississippi avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average3.03%▲ 1.30% above avgNationally 2.91%
Details
Certificates can only be added to at maturity or in the 10-day grace period
Rate History
No change since Oct 19, 2026 · 4.33% APY · checked 3 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month Term Certificate
$1,000
4.33%
▲ 1.30% above Mississippi avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average3.03%▲ 1.30% above avgNationally 2.91%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
1 change since Sep 18, 2026 · 4.23% → 4.33% ▲ 0.10 pts · high 4.33% / low 4.23%
- Oct 19, 20264.33%▲ from 4.23%
- Sep 18, 20264.23%first recorded
Fidelity Bank New Orleans, LA
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
18 Month CD/IRA Special
$1,000
4.30%
▲ 1.27% above Mississippi avg
▼
Rate4.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average3.03%▲ 1.27% above avgNationally 2.91%
Details
Majority New Money (must be at least 51% new money for the opening deposit); Must have an existing checking account or open a new checking account at the time of CD/IRA opening; Early withdrawals are subject to penalty
Rate History
No change since Oct 28, 2026 · 4.30% APY
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$500
4.25%
▲ 1.22% above Mississippi avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average3.03%▲ 1.22% above avgNationally 2.91%
Details
Minimum Deposit $500
Rate History
1 change since Oct 5, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 13, 20264.25%▲ from 3.75%
- Oct 5, 20263.75%first recorded
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
18 Month Certificates of Deposit (CDs)
$0
4.20%
▲ 1.17% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Mississippi Average3.03%▲ 1.17% above avgNationally 2.91%
Details
Penalty: 3 Months
Rate History
No change since Oct 22, 2026 · 4.20% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15%
▲ 1.12% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average3.03%▲ 1.12% above avgNationally 2.91%
Details
Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10%
▲ 1.07% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average3.03%▲ 1.07% above avgNationally 2.91%
Details
Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 3 times
Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Share Certificate - 18 Months
$1,000
4.00%
▲ 0.97% above Mississippi avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average3.03%▲ 0.97% above avgNationally 2.91%
Details
Dividends Compounded & Paid: Quarterly; Penalty will be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 4 times
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificate of Deposit - 18 Months
$500
3.95%
▲ 0.92% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average3.03%▲ 0.92% above avgNationally 2.91%
Details
Minimum $500 deposit required to open a CD; Available to qualifying members; Penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Regular Certificate - 18-month
$0
3.90%
▲ 0.87% above Mississippi avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average3.03%▲ 0.87% above avgNationally 2.91%
Details
Rates listed above are accurate as of 10/25/2026.
Rate History
No change since Oct 26, 2026 · 3.90% APY · checked 2 times
Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 18 Months
$2,500
3.82%
▲ 0.79% above Mississippi avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average3.03%▲ 0.79% above avgNationally 2.91%
Details
$2,500 minimum deposit tier
Rate History
No change since Oct 22, 2026 · 3.82% APY · checked 3 times
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
Traditional - Variable Rate (18 month)
$100
3.80%
▲ 0.77% above Mississippi avg
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average3.03%▲ 0.77% above avgNationally 2.91%
Details
Compound: Quarterly; Interest rate may change after the account is opened
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 9 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80%
▲ 0.77% above Mississippi avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average3.03%▲ 0.77% above avgNationally 2.91%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Rewards
$0
3.80%
▲ 0.77% above Mississippi avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average3.03%▲ 0.77% above avgNationally 2.91%
Details
Rewards APY
Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular
$0
3.80%
▲ 0.77% above Mississippi avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average3.03%▲ 0.77% above avgNationally 2.91%
Details
Regular APY
Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Rewards
$0
3.80%
▲ 0.77% above Mississippi avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average3.03%▲ 0.77% above avgNationally 2.91%
Details
Rewards APY
Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
CD Specials 18-month term
$0
3.80%
▲ 0.77% above Mississippi avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average3.03%▲ 0.77% above avgNationally 2.91%
Details
Rewards APY
Rate History
1 change since Sep 27, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Oct 14, 20263.80%▲ from 3.65%
- Sep 27, 20263.65%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
IRA CD Specials 18-month term
$0
3.80%
▲ 0.77% above Mississippi avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average3.03%▲ 0.77% above avgNationally 2.91%
Details
IRA; Rewards APY
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Oct 19, 20263.80%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month EasyStart Certificate
$50
3.70%
▲ 0.67% above Mississippi avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average3.03%▲ 0.67% above avgNationally 2.91%
Details
Share, IRA, ESA; Rates as of Oct 30, 2026 ET; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 2 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
18-Month IRA Certificate - Premier Member
$500
3.50%
▲ 0.47% above Mississippi avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average3.03%▲ 0.47% above avgNationally 2.91%
Details
Premier Member rate; minimum balance to open an IRA certificate is $500
Rate History
No change since Oct 23, 2026 · 3.50% APY · checked 2 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
CD - 18 Month
$0
3.46%
▲ 0.43% above Mississippi avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average3.03%▲ 0.43% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 3.46% APY · checked 3 times
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
18 Month Certificate
$500
3.40%
▲ 0.37% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average3.03%▲ 0.37% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 2.80% → 3.40% ▲ 0.60 pts · high 3.40% / low 2.80%
- Oct 30, 20263.40%▲ from 2.80%
- Sep 14, 20262.80%first recorded
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
Roth IRA - Fixed Rate (18 mo)
$1,000
3.29%
▲ 0.26% above Mississippi avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average3.03%▲ 0.26% above avgNationally 2.91%
Details
Compound: Quarterly
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 9 times
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
Roth IRA - Variable Rate (18 mo)
$100
3.29%
▲ 0.26% above Mississippi avg
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average3.03%▲ 0.26% above avgNationally 2.91%
Details
Compound: Quarterly; Interest rate may change after the account is opened
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 9 times
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
18 Month Certificate
$1,000
3.29%
▲ 0.26% above Mississippi avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average3.03%▲ 0.26% above avgNationally 2.91%
Details
Dividend Posting Period: quarterly; Effective as of: 01/21/2026
Rate History
No change since Sep 25, 2026 · 3.29% APY · checked 7 times
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
18 Month IRA Certificate
$1,000
3.29%
▲ 0.26% above Mississippi avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average3.03%▲ 0.26% above avgNationally 2.91%
Details
Dividend Posting Period: quarterly; Effective as of: 01/21/2026
Rate History
No change since Oct 4, 2026 · 3.29% APY · checked 6 times
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
IRA Certificate - 18 Months
$500
3.29%
▲ 0.26% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average3.03%▲ 0.26% above avgNationally 2.91%
Details
IRA certificate; dividends paid quarterly; early withdrawals subject to penalty
Rate History
No change since Oct 23, 2026 · 3.29% APY · checked 2 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
18-Month Certificate - Premier Member
$500
3.25%
▲ 0.22% above Mississippi avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average3.03%▲ 0.22% above avgNationally 2.91%
Details
Premier Member rate; Minimum balance to open a certificate is $500
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 5 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
18-Month IRA Certificate
$500
3.25%
▲ 0.22% above Mississippi avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average3.03%▲ 0.22% above avgNationally 2.91%
Details
Non-premier member rate; minimum balance to open an IRA certificate is $500
Rate History
No change since Oct 23, 2026 · 3.25% APY · checked 2 times
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
18 Month Jumbo Share & IRA Certificates
$0
3.25%
▲ 0.22% above Mississippi avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average3.03%▲ 0.22% above avgNationally 2.91%
Details
IRS early withdrawal penalties may apply on IRA withdrawals
Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 4 times
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Share & IRA Certificate Accounts - 18 Month
$0
3.25%
▲ 0.22% above Mississippi avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average3.03%▲ 0.22% above avgNationally 2.91%
Details
Rate History
No change since Oct 23, 2026 · 3.25% APY · checked 2 times
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Certificate - 18 Months
$500
3.14%
▲ 0.11% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average3.03%▲ 0.11% above avgNationally 2.91%
Details
Dividends quarterly; early withdrawals subject to penalty
Rate History
No change since Oct 15, 2026 · 3.14% APY · checked 3 times
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
Certificates of Deposits - 18 Month
$1,000
3.03%
At Mississippi avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average3.03%At the averageNationally 2.91%
Details
Compound: Quarterly
Rate History
No change since Oct 21, 2026 · 3.03% APY · checked 3 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
18-Month Business Certificate
$500
3.00%
▼ 0.03% below Mississippi avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average3.03%▼ 0.03% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
18-Month Certificate
$500
3.00%
▼ 0.03% below Mississippi avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average3.03%▼ 0.03% below avgNationally 2.91%
Details
Non-premier member rate; Minimum balance to open a certificate is $500
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.00% ▼ 0.25 pts · high 3.25% / low 3.00%
- Oct 15, 20263.00%▼ from 3.25%
- Sep 14, 20263.25%first recorded
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
Certificate Specials - 18 Month
$1,000
3.00%
▼ 0.03% below Mississippi avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average3.03%▼ 0.03% below avgNationally 2.91%
Details
Promotional APY for new money only; APY accurate as of 11/18/24; early withdrawal loses 90 days interest; IRA CDs not eligible
Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 3 times
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
IRA 18-Month Certificate
$0
2.87%
▼ 0.16% below Mississippi avg
▼
Rate2.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average3.03%▼ 0.16% below avgNationally 2.91%
Details
Individual Retirement Accounts; Rates as of 10/1/26
Rate History
1 change since Sep 14, 2026 · 2.55% → 2.87% ▲ 0.32 pts · high 2.87% / low 2.55%
- Oct 9, 20262.87%▲ from 2.55%
- Sep 14, 20262.55%first recorded
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Share Certificate - 18 Months
$0
2.53%
▼ 0.50% below Mississippi avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average3.03%▼ 0.50% below avgNationally 2.91%
Details
Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 5 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Investment Certificates - 18 Months SC
$0
2.50%
▼ 0.53% below Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average3.03%▼ 0.53% below avgNationally 2.91%
Details
Rate History
No change since Oct 12, 2026 · 2.50% APY · checked 4 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
CD - 18 Months
$0
2.50%
▼ 0.53% below Mississippi avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average3.03%▼ 0.53% below avgNationally 2.91%
Details
Effective Date: October 19th, 2026
Rate History
No change since Oct 19, 2026 · 2.50% APY · checked 4 times
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
Term Certificate - 18 Month
$1,000
2.35%
▼ 0.68% below Mississippi avg
▼
Rate2.33%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average3.03%▼ 0.68% below avgNationally 2.91%
Details
Rates effective as of 09/18/2025
Rate History
No change since Oct 23, 2026 · 2.35% APY · checked 2 times
Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 18 Months
$1,000
2.27%
▼ 0.76% below Mississippi avg
▼
Rate2.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average3.03%▼ 0.76% below avgNationally 2.91%
Details
Rate History
No change since Oct 22, 2026 · 2.27% APY · checked 3 times
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
Certificate of Deposit (CDs) - 18 Months
$500
2.00%
▼ 1.03% below Mississippi avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Mississippi Average3.03%▼ 1.03% below avgNationally 2.91%
Details
Minimum balance to obtain APY: $500.00
Rate History
No change since Oct 21, 2026 · 2.00% APY · checked 2 times
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
IRA Certificate 18 Months
$50
2.00%
▼ 1.03% below Mississippi avg
▼
Rate2.00%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Mississippi Average3.03%▼ 1.03% below avgNationally 2.91%
Details
IRA Certificate Rates (with a minimum balance of $1000.00); $50.00 minimum deposit required; A penalty may be applied for early withdrawal
Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 3 times
Alligator 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
24 Month Jumbo Share Certificates (CDs)
$1,000
4.82%
▲ 2.26% above Mississippi avg
▼
Rate4.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.56%▲ 2.26% above avgNationally 2.91%
Details
Jumbo rate; standard jumbo rates available on deposits of $95,000 or more
Rate History
No change since Oct 26, 2026 · 4.82% APY · checked 2 times
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
2-Year Regular Certificate or IRA Certificate
$10,000
4.50%
▲ 1.94% above Mississippi avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.56%▲ 1.94% above avgNationally 2.91%
Details
Deposit: $10,000+
Rate History
No change since Oct 12, 2026 · 4.50% APY · checked 3 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificate
$0
4.35%
▲ 1.79% above Mississippi avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.56%▲ 1.79% above avgNationally 2.91%
Details
Rate Effective Date: October 29, 2026
Rate History
No change since Oct 23, 2026 · 4.35% APY · checked 2 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 24 Months
$500
4.33%
▲ 1.77% above Mississippi avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.56%▲ 1.77% above avgNationally 2.91%
Details
Published APY range: 4.33%/4.32%. Dividends Credited/Compounded: Monthly/Quarterly; APY shown Monthly/Quarterly
Rate History
1 change since Oct 15, 2026 · 3.82% → 4.33% ▲ 0.51 pts · high 4.33% / low 3.82%
- Oct 23, 20264.33%▲ from 3.82%
- Oct 15, 20263.82%first recorded
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24-Month Certificate of Deposit
$0
4.25%
▲ 1.69% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.56%▲ 1.69% above avgNationally 2.91%
Details
Guaranteed rate of return on a Certificate of Deposit
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
24 Month Certificates of Deposit (CDs)
$0
4.25%
▲ 1.69% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Mississippi Average2.56%▲ 1.69% above avgNationally 2.91%
Details
Penalty: 6 Months
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
2 Year Youth Certificate
$1,000
4.25%
▲ 1.69% above Mississippi avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.56%▲ 1.69% above avgNationally 2.91%
Details
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 5 times
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
2-Year Regular Certificate or IRA Certificate
$2,000
4.25%
▲ 1.69% above Mississippi avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.56%▲ 1.69% above avgNationally 2.91%
Details
Deposit: $2,000-$9,999
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 3 times
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
Certificate - 24 Months
$0
4.25%
▲ 1.69% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.56%▲ 1.69% above avgNationally 2.91%
Details
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 3 times
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
Share & IRA Certificates - 24 Months
$0
4.25%
▲ 1.69% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.56%▲ 1.69% above avgNationally 2.91%
Details
Penalty for early withdrawal applies; Rates and APYs accurate as of November 2022
Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificate
$500
4.25%
▲ 1.69% above Mississippi avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.56%▲ 1.69% above avgNationally 2.91%
Details
Minimum Deposit $500
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
- Oct 13, 20264.25%▲ from 3.80%
- Oct 5, 20263.80%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month Jumbo Term Certificate
$100,000
4.13%
▲ 1.57% above Mississippi avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.56%▲ 1.57% above avgNationally 2.91%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
1 change since Sep 18, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
- Oct 19, 20264.13%▲ from 3.87%
- Sep 18, 20263.87%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month IRA
$1,000
4.07%
▲ 1.51% above Mississippi avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.56%▲ 1.51% above avgNationally 2.91%
Details
Certificates can only be added to at maturity or in the 10-day grace period
Rate History
No change since Oct 19, 2026 · 4.07% APY · checked 3 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month Term Certificate
$1,000
4.07%
▲ 1.51% above Mississippi avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.56%▲ 1.51% above avgNationally 2.91%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
1 change since Sep 18, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
- Oct 19, 20264.07%▲ from 3.82%
- Sep 18, 20263.82%first recorded
Grand Bank for Savings
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
24 Month CD / IRA
$1,000
4.00%
▲ 1.44% above Mississippi avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.56%▲ 1.44% above avgNationally 2.91%
Details
Promotional APY; interest rate locked in; automatically renews at maturity; early withdrawal penalty may apply; Open Online (MS, AL, & LA Residents Only)
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Bump & Run 24 Mo. CD - LIMITED OFFER
$0
4.00%
▲ 1.44% above Mississippi avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Mississippi Average2.56%▲ 1.44% above avgNationally 2.91%
Details
24 Mo. Bump & Run CD min. balance is $1,000. Interest is simple and pays at maturity. APY assumes principal remains on deposit.
Rate History
No change since Oct 26, 2026 · 4.00% APY
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Bump & Run 24 Mo. CD Special
$1,000
4.00%
▲ 1.44% above Mississippi avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Mississippi Average2.56%▲ 1.44% above avgNationally 2.91%
Details
Limited time offer; $1k minimum
Rate History
No change since Oct 26, 2026 · 4.00% APY
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificate of Deposit - 24 Months
$500
3.75%
▲ 1.19% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.56%▲ 1.19% above avgNationally 2.91%
Details
Minimum $500 deposit required to open a CD; Available to qualifying members; Penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.85% → 3.75% ▼ 0.10 pts · high 3.85% / low 3.75%
- Oct 26, 20263.75%▼ from 3.85%
- Sep 14, 20263.85%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month Short-Term Certificate
$0
3.70%
▲ 1.14% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.56%▲ 1.14% above avgNationally 2.91%
Details
Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month Short-Term Certificate
$0
3.66%
▲ 1.10% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.56%▲ 1.10% above avgNationally 2.91%
Details
Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.66% APY · checked 3 times
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Regular Certificate - 24-month
$0
3.65%
▲ 1.09% above Mississippi avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.56%▲ 1.09% above avgNationally 2.91%
Details
Rates listed above are accurate as of 10/25/2026.
Rate History
No change since Oct 26, 2026 · 3.65% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month EasyStart Certificate
$50
3.60%
▲ 1.04% above Mississippi avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.56%▲ 1.04% above avgNationally 2.91%
Details
Share, IRA, ESA; Rates as of Oct 30, 2026 ET; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 2 times
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
24 Month Certificate
$1,000
3.55%
▲ 0.99% above Mississippi avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.56%▲ 0.99% above avgNationally 2.91%
Details
Dividend Posting Period: quarterly; Effective as of: 01/21/2026
Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 7 times
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
24 Month IRA Certificate
$1,000
3.55%
▲ 0.99% above Mississippi avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.56%▲ 0.99% above avgNationally 2.91%
Details
Dividend Posting Period: quarterly; Effective as of: 01/21/2026
Rate History
No change since Oct 4, 2026 · 3.55% APY · checked 6 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
24-Month IRA Certificate - Premier Member
$500
3.50%
▲ 0.94% above Mississippi avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.56%▲ 0.94% above avgNationally 2.91%
Details
Premier Member rate; minimum balance to open an IRA certificate is $500
Rate History
No change since Oct 23, 2026 · 3.50% APY · checked 2 times
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
Roth IRA - Fixed Rate (24 mo)
$1,000
3.44%
▲ 0.88% above Mississippi avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.56%▲ 0.88% above avgNationally 2.91%
Details
Compound: Quarterly
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 9 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
CD - 24 Month
$0
3.41%
▲ 0.85% above Mississippi avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.56%▲ 0.85% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 3 times
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
2 Year Certificate
$500
3.40%
▲ 0.84% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.56%▲ 0.84% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 2.90% → 3.40% ▲ 0.50 pts · high 3.40% / low 2.90%
- Oct 30, 20263.40%▲ from 2.90%
- Sep 14, 20262.90%first recorded
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
24-Month Certificate - Premier Member
$500
3.25%
▲ 0.69% above Mississippi avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.56%▲ 0.69% above avgNationally 2.91%
Details
Premier Member rate; Minimum balance to open a certificate is $500
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 5 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
24-Month IRA Certificate
$500
3.25%
▲ 0.69% above Mississippi avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.56%▲ 0.69% above avgNationally 2.91%
Details
Non-premier member rate; minimum balance to open an IRA certificate is $500
Rate History
No change since Oct 23, 2026 · 3.25% APY · checked 2 times
Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Share Certificate - 24 Months
$1,000
3.25%
▲ 0.69% above Mississippi avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.56%▲ 0.69% above avgNationally 2.91%
Details
Dividends Compounded & Paid: Quarterly; Penalty will be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.25% APY · checked 4 times
Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 24 Months
$2,500
3.14%
▲ 0.58% above Mississippi avg
▼
Rate3.10%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.56%▲ 0.58% above avgNationally 2.91%
Details
$2,500 minimum deposit tier
Rate History
No change since Oct 22, 2026 · 3.14% APY · checked 3 times
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Certificate - 24 Months
$500
3.08%
▲ 0.52% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.56%▲ 0.52% above avgNationally 2.91%
Details
Dividends quarterly; early withdrawals subject to penalty
Rate History
No change since Oct 15, 2026 · 3.08% APY · checked 3 times
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Business Certificate 24 Months
$500
3.04%
▲ 0.48% above Mississippi avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.56%▲ 0.48% above avgNationally 2.91%
Details
Dividends compounded monthly and credited monthly
Rate History
No change since Oct 23, 2026 · 3.04% APY · checked 2 times
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 24 Months
$0
3.04%
▲ 0.48% above Mississippi avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.56%▲ 0.48% above avgNationally 2.91%
Details
Minimum balance to earn stated APY: $500
Rate History
No change since Oct 15, 2026 · 3.04% APY · checked 3 times
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
Certificates of Deposits - 24 Month
$1,000
3.03%
▲ 0.47% above Mississippi avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.56%▲ 0.47% above avgNationally 2.91%
Details
Compound: Quarterly
Rate History
No change since Oct 21, 2026 · 3.03% APY · checked 3 times
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
24 Month Bump & Run CD Special
$1,000
3.00%
▲ 0.44% above Mississippi avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Mississippi Average2.56%▲ 0.44% above avgNationally 2.91%
Details
Limited time offer; $1k minimum
Rate History
No change since Oct 26, 2026 · 3.00% APY
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
24-Month Business Certificate
$500
3.00%
▲ 0.44% above Mississippi avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.56%▲ 0.44% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
24-Month Certificate
$500
3.00%
▲ 0.44% above Mississippi avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.56%▲ 0.44% above avgNationally 2.91%
Details
Non-premier member rate; Minimum balance to open a certificate is $500
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.00% ▼ 0.25 pts · high 3.25% / low 3.00%
- Oct 15, 20263.00%▼ from 3.25%
- Sep 14, 20263.25%first recorded
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
24 Month Share Certificates (CDs)
$1,000
2.87%
▲ 0.31% above Mississippi avg
▼
Rate2.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.56%▲ 0.31% above avgNationally 2.91%
Details
Rate History
1 change since Sep 18, 2026 · 2.55% → 2.87% ▲ 0.32 pts · high 2.87% / low 2.55%
- Oct 13, 20262.87%▲ from 2.55%
- Sep 18, 20262.55%first recorded
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Investment Certificates - 24 Months IRA SC
$0
2.75%
▲ 0.19% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.56%▲ 0.19% above avgNationally 2.91%
Details
IRA
Rate History
No change since Oct 12, 2026 · 2.75% APY · checked 4 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Investment Certificates - 24 Months SC
$0
2.75%
▲ 0.19% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.56%▲ 0.19% above avgNationally 2.91%
Details
Rate History
No change since Oct 12, 2026 · 2.75% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
24 Month Standard CDs - Rewards
$0
2.60%
▲ 0.04% above Mississippi avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.56%▲ 0.04% above avgNationally 2.91%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.60% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
24 Month Standard IRA CDs - Rewards
$0
2.60%
▲ 0.04% above Mississippi avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.56%▲ 0.04% above avgNationally 2.91%
Details
Rewards APY column; Dividend Rate 2.57%
Rate History
No change since Oct 19, 2026 · 2.60% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard CD 24-month term
$0
2.60%
▲ 0.04% above Mississippi avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.56%▲ 0.04% above avgNationally 2.91%
Details
Rewards APY
Rate History
1 change since Oct 14, 2026 · 2.34% → 2.60% ▲ 0.26 pts · high 2.60% / low 2.34%
- Oct 30, 20262.60%▲ from 2.34%
- Oct 14, 20262.34%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard IRA CD 24-month term
$0
2.60%
▲ 0.04% above Mississippi avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.56%▲ 0.04% above avgNationally 2.91%
Details
IRA; Rewards APY
Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 7 times
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Share Certificate - 24 Months
$0
2.53%
▼ 0.03% below Mississippi avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.56%▼ 0.03% below avgNationally 2.91%
Details
Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 5 times
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
IRA Certificate 24 Months
$50
2.35%
▼ 0.21% below Mississippi avg
▼
Rate2.35%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Mississippi Average2.56%▼ 0.21% below avgNationally 2.91%
Details
IRA Certificate Rates (with a minimum balance of $1000.00); $50.00 minimum deposit required; A penalty may be applied for early withdrawal
Rate History
No change since Oct 14, 2026 · 2.35% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
24 Month Standard CDs - Regular
$0
2.34%
▼ 0.22% below Mississippi avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.56%▼ 0.22% below avgNationally 2.91%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.34% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
24 Month Standard IRA CDs - Regular
$0
2.34%
▼ 0.22% below Mississippi avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.56%▼ 0.22% below avgNationally 2.91%
Details
Regular APY column; Dividend Rate 2.32%
Rate History
No change since Oct 19, 2026 · 2.34% APY · checked 3 times
Alligator 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
36 Month Jumbo Share Certificates (CDs)
$1,000
4.93%
▲ 2.52% above Mississippi avg
▼
Rate4.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.41%▲ 2.52% above avgNationally 2.82%
Details
Jumbo rate; standard jumbo rates available on deposits of $95,000 or more
Rate History
No change since Oct 26, 2026 · 4.93% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$0
4.40%
▲ 1.99% above Mississippi avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.41%▲ 1.99% above avgNationally 2.82%
Details
Rate Effective Date: October 29, 2026
Rate History
No change since Oct 23, 2026 · 4.40% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$500
4.30%
▲ 1.89% above Mississippi avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.41%▲ 1.89% above avgNationally 2.82%
Details
Minimum Deposit $500
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
36 Month Certificates of Deposit (CDs)
$0
4.25%
▲ 1.84% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Mississippi Average2.41%▲ 1.84% above avgNationally 2.82%
Details
Penalty: 9 Months
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
3-Year Regular Certificate or IRA Certificate
$10,000
4.25%
▲ 1.84% above Mississippi avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.41%▲ 1.84% above avgNationally 2.82%
Details
Deposit: $10,000+
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.15%
▲ 1.74% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.41%▲ 1.74% above avgNationally 2.82%
Details
Balance: $100,000 minimum; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month Jumbo Term Certificate
$100,000
4.13%
▲ 1.72% above Mississippi avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.41%▲ 1.72% above avgNationally 2.82%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
1 change since Sep 18, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
- Oct 19, 20264.13%▲ from 3.87%
- Sep 18, 20263.87%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.10%
▲ 1.69% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.41%▲ 1.69% above avgNationally 2.82%
Details
Balance: $1,000 minimum; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month IRA
$1,000
4.07%
▲ 1.66% above Mississippi avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.41%▲ 1.66% above avgNationally 2.82%
Details
Certificates can only be added to at maturity or in the 10-day grace period
Rate History
No change since Oct 19, 2026 · 4.07% APY · checked 3 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month Term Certificate
$1,000
4.07%
▲ 1.66% above Mississippi avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.41%▲ 1.66% above avgNationally 2.82%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
1 change since Sep 18, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
- Oct 19, 20264.07%▲ from 3.82%
- Sep 18, 20263.82%first recorded
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
3-Year Regular Certificate or IRA Certificate
$2,000
4.00%
▲ 1.59% above Mississippi avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.41%▲ 1.59% above avgNationally 2.82%
Details
Deposit: $2,000-$9,999
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 3 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 36 Months
$500
3.82%
▲ 1.41% above Mississippi avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.41%▲ 1.41% above avgNationally 2.82%
Details
Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; APY shown Monthly/Quarterly
Rate History
No change since Oct 15, 2026 · 3.82% APY · checked 3 times
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificate of Deposit - 36 Months
$500
3.75%
▲ 1.34% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.41%▲ 1.34% above avgNationally 2.82%
Details
Minimum $500 deposit required to open a CD; Available to qualifying members; Penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Regular Certificate - 36-month
$0
3.65%
▲ 1.24% above Mississippi avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.41%▲ 1.24% above avgNationally 2.82%
Details
Rates listed above are accurate as of 10/25/2026.
Rate History
No change since Oct 26, 2026 · 3.65% APY · checked 2 times
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
3 Year Certificate
$500
3.50%
▲ 1.09% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.41%▲ 1.09% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 30, 20263.50%▲ from 3.00%
- Sep 14, 20263.00%first recorded
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
CD - 36 Month
$0
3.41%
▲ 1.00% above Mississippi avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.41%▲ 1.00% above avgNationally 2.82%
Details
Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 3 times
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
IRA Certificate - 36 Months
$500
3.34%
▲ 0.93% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.41%▲ 0.93% above avgNationally 2.82%
Details
IRA certificate; dividends paid quarterly; early withdrawals subject to penalty
Rate History
No change since Oct 23, 2026 · 3.34% APY · checked 2 times
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
Share Certificate 36 Month Special
$500
3.30%
▲ 0.89% above Mississippi avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.41%▲ 0.89% above avgNationally 2.82%
Details
Limited time offer, effective 10/03/2025
Rate History
No change since Oct 23, 2026 · 3.30% APY · checked 2 times
Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Share Certificate - 36 Month
$1,000
3.25%
▲ 0.84% above Mississippi avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.41%▲ 0.84% above avgNationally 2.82%
Details
Dividends Compounded & Paid: Quarterly; Penalty will be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.25% APY · checked 4 times
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Certificate - 36 Months
$500
3.19%
▲ 0.78% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.41%▲ 0.78% above avgNationally 2.82%
Details
Dividends quarterly; early withdrawals subject to penalty
Rate History
No change since Oct 15, 2026 · 3.19% APY · checked 3 times
Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 36 Months
$2,500
3.04%
▲ 0.63% above Mississippi avg
▼
Rate3.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.41%▲ 0.63% above avgNationally 2.82%
Details
$2,500 minimum deposit tier
Rate History
No change since Oct 22, 2026 · 3.04% APY · checked 3 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
36-Month Certificate - Premier Member
$500
3.00%
▲ 0.59% above Mississippi avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.41%▲ 0.59% above avgNationally 2.82%
Details
Premier Member rate; Minimum balance to open a certificate is $500
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 5 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
36-Month IRA Certificate - Premier Member
$500
3.00%
▲ 0.59% above Mississippi avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.41%▲ 0.59% above avgNationally 2.82%
Details
Premier Member rate; minimum balance to open an IRA certificate is $500
Rate History
No change since Oct 23, 2026 · 3.00% APY · checked 2 times
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
36 Month Share Certificates (CDs)
$1,000
2.93%
▲ 0.52% above Mississippi avg
▼
Rate2.87%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.41%▲ 0.52% above avgNationally 2.82%
Details
Rate History
1 change since Sep 18, 2026 · 2.59% → 2.93% ▲ 0.34 pts · high 2.93% / low 2.59%
- Oct 13, 20262.93%▲ from 2.59%
- Sep 18, 20262.59%first recorded
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Business Certificate 36 Months
$500
2.78%
▲ 0.37% above Mississippi avg
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.41%▲ 0.37% above avgNationally 2.82%
Details
Dividends compounded monthly and credited monthly
Rate History
No change since Oct 23, 2026 · 2.78% APY · checked 2 times
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 36 Months
$0
2.78%
▲ 0.37% above Mississippi avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.41%▲ 0.37% above avgNationally 2.82%
Details
Minimum balance to earn stated APY: $500
Rate History
No change since Oct 15, 2026 · 2.78% APY · checked 3 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
36-Month Business Certificate
$500
2.75%
▲ 0.34% above Mississippi avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.41%▲ 0.34% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 9 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
36-Month Certificate
$500
2.75%
▲ 0.34% above Mississippi avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.41%▲ 0.34% above avgNationally 2.82%
Details
Non-premier member rate; Minimum balance to open a certificate is $500
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
- Oct 15, 20262.75%▼ from 3.00%
- Sep 14, 20263.00%first recorded
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
36-Month IRA Certificate
$500
2.75%
▲ 0.34% above Mississippi avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.41%▲ 0.34% above avgNationally 2.82%
Details
Non-premier member rate; minimum balance to open an IRA certificate is $500
Rate History
No change since Oct 23, 2026 · 2.75% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
36 Month Standard CDs - Rewards
$0
2.75%
▲ 0.34% above Mississippi avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.41%▲ 0.34% above avgNationally 2.82%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
36 Month Standard IRA CDs - Rewards
$0
2.75%
▲ 0.34% above Mississippi avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.41%▲ 0.34% above avgNationally 2.82%
Details
Rewards APY column; Dividend Rate 2.72%
Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard CD 36-month term
$0
2.75%
▲ 0.34% above Mississippi avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.41%▲ 0.34% above avgNationally 2.82%
Details
Rewards APY
Rate History
1 change since Oct 14, 2026 · 2.49% → 2.75% ▲ 0.26 pts · high 2.75% / low 2.49%
- Oct 30, 20262.75%▲ from 2.49%
- Oct 14, 20262.49%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard IRA CD 36-month term
$0
2.75%
▲ 0.34% above Mississippi avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.41%▲ 0.34% above avgNationally 2.82%
Details
IRA; Rewards APY
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
HealthPlus Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.07%
Certificate of Deposit - 36 Months (2)
$1,000
2.69%
▲ 0.28% above Mississippi avg
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.41%▲ 0.28% above avgNationally 2.82%
Details
Effective Date 9/01/2026; Dividends Compounded and Credited: Quarterly; Dividends Period: Quarterly; footnote (2)
Rate History
No change since Oct 23, 2026 · 2.69% APY · checked 2 times
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
Certificate - 36 Months
$0
2.69%
▲ 0.28% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.41%▲ 0.28% above avgNationally 2.82%
Details
Rate History
No change since Oct 13, 2026 · 2.69% APY · checked 3 times
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
Share & IRA Certificates - 36 Months
$0
2.69%
▲ 0.28% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.41%▲ 0.28% above avgNationally 2.82%
Details
Penalty for early withdrawal applies; Rates and APYs accurate as of November 2022
Rate History
No change since Oct 23, 2026 · 2.69% APY · checked 2 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Investment Certificates - 36 Months IRA SC
$0
2.50%
▲ 0.09% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.41%▲ 0.09% above avgNationally 2.82%
Details
IRA
Rate History
No change since Oct 12, 2026 · 2.50% APY · checked 4 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Investment Certificates - 36 Months SC
$0
2.50%
▲ 0.09% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.41%▲ 0.09% above avgNationally 2.82%
Details
Rate History
No change since Oct 12, 2026 · 2.50% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
36 Month Standard CDs - Regular
$0
2.49%
▲ 0.08% above Mississippi avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.41%▲ 0.08% above avgNationally 2.82%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.49% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
36 Month Standard IRA CDs - Regular
$0
2.49%
▲ 0.08% above Mississippi avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.41%▲ 0.08% above avgNationally 2.82%
Details
Regular APY column; Dividend Rate 2.47%
Rate History
No change since Oct 19, 2026 · 2.49% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard CD 36-month term
$0
2.49%
▲ 0.08% above Mississippi avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.41%▲ 0.08% above avgNationally 2.82%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.49% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard IRA CD 36-month term
$0
2.49%
▲ 0.08% above Mississippi avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.41%▲ 0.08% above avgNationally 2.82%
Details
IRA; Regular APY
Rate History
1 change since Sep 14, 2026 · 2.75% → 2.49% ▼ 0.26 pts · high 2.75% / low 2.49%
- Oct 30, 20262.49%▼ from 2.75%
- Sep 14, 20262.75%first recorded
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
IRA Certificate 36 Months
$50
2.40%
▼ 0.01% below Mississippi avg
▼
Rate2.40%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Mississippi Average2.41%▼ 0.01% below avgNationally 2.82%
Details
IRA Certificate Rates (with a minimum balance of $1000.00); $50.00 minimum deposit required; A penalty may be applied for early withdrawal
Rate History
No change since Oct 14, 2026 · 2.40% APY · checked 3 times
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
36 Month Certificate Account
$0
2.40%
▼ 0.01% below Mississippi avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.41%▼ 0.01% below avgNationally 2.82%
Details
Dividends Paid: Quarterly; Effective as of: Aug 23, 2022
Rate History
No change since Sep 21, 2026 · 2.40% APY · checked 9 times
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Share Certificate - 3 Years
$0
2.27%
▼ 0.14% below Mississippi avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.41%▼ 0.14% below avgNationally 2.82%
Details
Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 5 times
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
Term Certificate - 36 Month
$1,000
2.10%
▼ 0.31% below Mississippi avg
▼
Rate2.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.41%▼ 0.31% below avgNationally 2.82%
Details
Rates effective as of 09/18/2025
Rate History
No change since Oct 23, 2026 · 2.10% APY · checked 2 times
Planters Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
Time Deposits 1 - 5 Year Maturities - 3 Year
$500
2.01%
▼ 0.40% below Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.41%▼ 0.40% below avgNationally 2.82%
Details
Time Deposits 1 - 5 Year Maturities; $500 minimum opening deposit
Rate History
No change since Oct 22, 2026 · 2.01% APY · checked 4 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
36 Month Share Certificates
$0
2.00%
▼ 0.41% below Mississippi avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.41%▼ 0.41% below avgNationally 2.82%
Details
Minimum Balance: $50,000
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
CD - 36 Months
$0
2.00%
▼ 0.41% below Mississippi avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.41%▼ 0.41% below avgNationally 2.82%
Details
Effective Date: October 19th, 2026
Rate History
No change since Oct 19, 2026 · 2.00% APY · checked 4 times
Southern Coastal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Share Certificate 36 Month
$500
1.92%
▼ 0.49% below Mississippi avg
▼
Rate1.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.41%▼ 0.49% below avgNationally 2.82%
Details
Dividends paid quarterly and at maturity; shared schedule also lists IRA Certificates (minimum $1,000); APR column printed as 1.90%
Rate History
No change since Oct 26, 2026 · 1.92% APY · checked 2 times
Alligator 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$0
4.40%
▲ 2.21% above Mississippi avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.19%▲ 2.21% above avgNationally 2.81%
Details
Rate Effective Date: October 29, 2026
Rate History
No change since Oct 23, 2026 · 4.40% APY · checked 2 times
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
48 Month Certificates of Deposit (CDs)
$0
4.35%
▲ 2.16% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Mississippi Average2.19%▲ 2.16% above avgNationally 2.81%
Details
Penalty: 12 Months
Rate History
No change since Oct 22, 2026 · 4.35% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$500
4.30%
▲ 2.11% above Mississippi avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.19%▲ 2.11% above avgNationally 2.81%
Details
Minimum Deposit $500
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month Jumbo Term Certificate
$100,000
4.13%
▲ 1.94% above Mississippi avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▲ 1.94% above avgNationally 2.81%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
1 change since Sep 18, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
- Oct 19, 20264.13%▲ from 3.92%
- Sep 18, 20263.92%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA
$1,000
4.07%
▲ 1.88% above Mississippi avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▲ 1.88% above avgNationally 2.81%
Details
Certificates can only be added to at maturity or in the 10-day grace period
Rate History
No change since Oct 19, 2026 · 4.07% APY · checked 3 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month Term Certificate
$1,000
4.07%
▲ 1.88% above Mississippi avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▲ 1.88% above avgNationally 2.81%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
1 change since Sep 18, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
- Oct 19, 20264.07%▲ from 3.87%
- Sep 18, 20263.87%first recorded
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificate of Deposit - 48 Months
$500
3.85%
▲ 1.66% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.19%▲ 1.66% above avgNationally 2.81%
Details
Minimum $500 deposit required to open a CD; Available to qualifying members; Penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 9, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 48 Months
$500
3.82%
▲ 1.63% above Mississippi avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▲ 1.63% above avgNationally 2.81%
Details
Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; APY shown Monthly/Quarterly
Rate History
No change since Oct 15, 2026 · 3.82% APY · checked 3 times
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
4 Year Certificate
$500
3.75%
▲ 1.56% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▲ 1.56% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 30, 20263.75%▲ from 3.25%
- Sep 14, 20263.25%first recorded
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
CD - 48 Month
$0
3.41%
▲ 1.22% above Mississippi avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.19%▲ 1.22% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 3 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
48-Month Certificate - Premier Member
$500
3.00%
▲ 0.81% above Mississippi avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▲ 0.81% above avgNationally 2.81%
Details
Premier Member rate; Minimum balance to open a certificate is $500
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 5 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
48-Month IRA Certificate - Premier Member
$500
3.00%
▲ 0.81% above Mississippi avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▲ 0.81% above avgNationally 2.81%
Details
Premier Member rate; minimum balance to open an IRA certificate is $500
Rate History
No change since Oct 23, 2026 · 3.00% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
48 Month Standard CDs - Rewards
$0
2.90%
▲ 0.71% above Mississippi avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▲ 0.71% above avgNationally 2.81%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.90% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
48 Month Standard IRA CDs - Rewards
$0
2.90%
▲ 0.71% above Mississippi avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▲ 0.71% above avgNationally 2.81%
Details
Rewards APY column; Dividend Rate 2.86%
Rate History
No change since Oct 19, 2026 · 2.90% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard CD 48-month term
$0
2.90%
▲ 0.71% above Mississippi avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▲ 0.71% above avgNationally 2.81%
Details
Rewards APY
Rate History
1 change since Oct 14, 2026 · 2.64% → 2.90% ▲ 0.26 pts · high 2.90% / low 2.64%
- Oct 30, 20262.90%▲ from 2.64%
- Oct 14, 20262.64%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard IRA CD 48-month term
$0
2.90%
▲ 0.71% above Mississippi avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▲ 0.71% above avgNationally 2.81%
Details
IRA; Rewards APY
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 7 times
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
Certificates of Deposits - 48 Month
$1,000
2.78%
▲ 0.59% above Mississippi avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.19%▲ 0.59% above avgNationally 2.81%
Details
Compound: Quarterly
Rate History
No change since Oct 21, 2026 · 2.78% APY · checked 3 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
48-Month Business Certificate
$500
2.75%
▲ 0.56% above Mississippi avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▲ 0.56% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 9 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
48-Month Certificate
$500
2.75%
▲ 0.56% above Mississippi avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▲ 0.56% above avgNationally 2.81%
Details
Non-premier member rate; Minimum balance to open a certificate is $500
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
- Oct 15, 20262.75%▼ from 3.00%
- Sep 14, 20263.00%first recorded
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
48-Month IRA Certificate
$500
2.75%
▲ 0.56% above Mississippi avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▲ 0.56% above avgNationally 2.81%
Details
Non-premier member rate; minimum balance to open an IRA certificate is $500
Rate History
No change since Oct 23, 2026 · 2.75% APY · checked 2 times
Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 48 Months
$2,500
2.68%
▲ 0.49% above Mississippi avg
▼
Rate2.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▲ 0.49% above avgNationally 2.81%
Details
$2,500 minimum deposit tier
Rate History
No change since Oct 22, 2026 · 2.68% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
48 Month Standard CDs - Regular
$0
2.64%
▲ 0.45% above Mississippi avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▲ 0.45% above avgNationally 2.81%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.64% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
48 Month Standard IRA CDs - Regular
$0
2.64%
▲ 0.45% above Mississippi avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▲ 0.45% above avgNationally 2.81%
Details
Regular APY column; Dividend Rate 2.61%
Rate History
No change since Oct 19, 2026 · 2.64% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard CD 48-month term
$0
2.64%
▲ 0.45% above Mississippi avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▲ 0.45% above avgNationally 2.81%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.64% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard IRA CD 48-month term
$0
2.64%
▲ 0.45% above Mississippi avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▲ 0.45% above avgNationally 2.81%
Details
IRA; Regular APY
Rate History
1 change since Sep 14, 2026 · 2.90% → 2.64% ▼ 0.26 pts · high 2.90% / low 2.64%
- Oct 30, 20262.64%▼ from 2.90%
- Sep 14, 20262.90%first recorded
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Business Certificate 48 Months
$500
2.58%
▲ 0.39% above Mississippi avg
▼
Rate2.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▲ 0.39% above avgNationally 2.81%
Details
Dividends compounded monthly and credited monthly
Rate History
No change since Oct 23, 2026 · 2.58% APY · checked 2 times
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 48 Months
$0
2.58%
▲ 0.39% above Mississippi avg
▼
Rate2.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▲ 0.39% above avgNationally 2.81%
Details
Minimum balance to earn stated APY: $500
Rate History
No change since Oct 15, 2026 · 2.58% APY · checked 3 times
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
48 Month Certificate Account
$0
2.55%
▲ 0.36% above Mississippi avg
▼
Rate2.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.19%▲ 0.36% above avgNationally 2.81%
Details
Dividends Paid: Quarterly; Effective as of: Aug 23, 2022
Rate History
No change since Sep 21, 2026 · 2.55% APY · checked 9 times
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
IRA Certificate 48 Months
$50
2.45%
▲ 0.26% above Mississippi avg
▼
Rate2.45%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Mississippi Average2.19%▲ 0.26% above avgNationally 2.81%
Details
IRA Certificate Rates (with a minimum balance of $1000.00); $50.00 minimum deposit required; A penalty may be applied for early withdrawal
Rate History
No change since Oct 14, 2026 · 2.45% APY · checked 3 times
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Share Certificate - 4 Years
$0
2.27%
▲ 0.08% above Mississippi avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.19%▲ 0.08% above avgNationally 2.81%
Details
Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 5 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Investment Certificates - 48 Months IRA SC
$0
2.25%
▲ 0.06% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.19%▲ 0.06% above avgNationally 2.81%
Details
IRA
Rate History
No change since Oct 12, 2026 · 2.25% APY · checked 4 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Investment Certificates - 48 Months SC
$0
2.25%
▲ 0.06% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.19%▲ 0.06% above avgNationally 2.81%
Details
Rate History
No change since Oct 12, 2026 · 2.25% APY · checked 4 times
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
Term Certificate - 48 Month
$1,000
2.10%
▼ 0.09% below Mississippi avg
▼
Rate2.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▼ 0.09% below avgNationally 2.81%
Details
Rates effective as of 09/18/2025
Rate History
No change since Oct 23, 2026 · 2.10% APY · checked 2 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
48 Month Share Certificates
$0
2.10%
▼ 0.09% below Mississippi avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▼ 0.09% below avgNationally 2.81%
Details
Minimum Balance: $50,000
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 7 times
Southern Coastal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Share Certificate 48 Month
$500
2.02%
▼ 0.17% below Mississippi avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.19%▼ 0.17% below avgNationally 2.81%
Details
Dividends paid quarterly and at maturity; shared schedule also lists IRA Certificates (minimum $1,000); APR column printed as 2.00%
Rate History
No change since Oct 26, 2026 · 2.02% APY · checked 2 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
CD - 48 Months
$0
2.02%
▼ 0.17% below Mississippi avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▼ 0.17% below avgNationally 2.81%
Details
Effective Date: October 19th, 2026
Rate History
No change since Oct 19, 2026 · 2.02% APY · checked 4 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
48 Month Share Certificates
$0
2.00%
▼ 0.19% below Mississippi avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▼ 0.19% below avgNationally 2.81%
Details
Minimum Balance: $500
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
Planters Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
Time Deposits 1 - 5 Year Maturities - 4 Year
$500
1.86%
▼ 0.33% below Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.19%▼ 0.33% below avgNationally 2.81%
Details
Time Deposits 1 - 5 Year Maturities; $500 minimum opening deposit
Rate History
No change since Oct 22, 2026 · 1.86% APY · checked 4 times
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
Certificate of Deposit - 48 Months
$0
1.75%
▼ 0.44% below Mississippi avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Mississippi Average2.19%▼ 0.44% below avgNationally 2.81%
Details
Minimum balance $1000.00; penalty may be applied for early withdrawal
Rate History
No change since Oct 22, 2026 · 1.75% APY · checked 2 times
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
Share Certificate - 4 Year
$500
1.71%
▼ 0.48% below Mississippi avg
▼
Rate1.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▼ 0.48% below avgNationally 2.81%
Details
Regular certificate rate; effective 01/24/2024
Rate History
No change since Oct 23, 2026 · 1.71% APY · checked 2 times
Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 48 Months
$1,000
1.61%
▼ 0.58% below Mississippi avg
▼
Rate1.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▼ 0.58% below avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 1.61% APY · checked 3 times
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
4 Year CD
$0
1.50%
▼ 0.69% below Mississippi avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Mississippi Average2.19%▼ 0.69% below avgNationally 2.81%
Details
Interest is simple and pays at maturity. APY assumes principal remains on deposit.
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 9 times
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
4 Year Certificate
$0
1.31%
▼ 0.88% below Mississippi avg
▼
Rate1.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▼ 0.88% below avgNationally 2.81%
Details
Balance: $100,000+; Penalty for early withdrawal applies
Rate History
No change since Oct 12, 2026 · 1.31% APY · checked 3 times
Members Exchange Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Share & IRA Certificate - 48 Months
$1,000
1.30%
▼ 0.89% below Mississippi avg
▼
Rate1.29%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▼ 0.89% below avgNationally 2.81%
Details
Rate Type: Fixed
Rate History
No change since Oct 14, 2026 · 1.30% APY · checked 5 times
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Jumbo IRA Certificates & Over - 48 Month
$0
1.30%
▼ 0.89% below Mississippi avg
▼
Rate1.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▼ 0.89% below avgNationally 2.81%
Details
$100,000.00; Balance: $100,000.00 & Over
Rate History
No change since Oct 19, 2026 · 1.30% APY · checked 3 times
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
IRA Certificates - 48 Month
$0
1.25%
▼ 0.94% below Mississippi avg
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▼ 0.94% below avgNationally 2.81%
Details
Balance: $25,000.01 - $99,999.99
Rate History
No change since Oct 19, 2026 · 1.25% APY · checked 3 times
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
4 Year Jumbo Share & IRA Certificates
$0
1.20%
▼ 0.99% below Mississippi avg
▼
Rate1.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.19%▼ 0.99% below avgNationally 2.81%
Details
IRS early withdrawal penalties may apply on IRA withdrawals
Rate History
No change since Oct 12, 2026 · 1.20% APY · checked 4 times
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
IRA Certificate - 48 Month
$0
1.20%
▼ 0.99% below Mississippi avg
▼
Rate1.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▼ 0.99% below avgNationally 2.81%
Details
Balance: $25,000.00 or Less
Rate History
No change since Oct 19, 2026 · 1.20% APY · checked 3 times
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Jumbo Share Certificates and Over - 48 Month
$0
1.20%
▼ 0.99% below Mississippi avg
▼
Rate1.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.19%▼ 0.99% below avgNationally 2.81%
Details
$100,000.00; Minimum balance $100,000.00
Rate History
No change since Oct 19, 2026 · 1.20% APY · checked 3 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
Certificate of Deposit - 4 Year
$500
1.15%
▼ 1.04% below Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.19%▼ 1.04% below avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 1.15% APY · checked 2 times
Alligator 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
60 Month Jumbo Share Certificates (CDs)
$1,000
4.95%
▲ 2.37% above Mississippi avg
▼
Rate4.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.58%▲ 2.37% above avgNationally 2.92%
Details
Jumbo rate; standard jumbo rates available on deposits of $95,000 or more
Rate History
No change since Oct 26, 2026 · 4.95% APY · checked 2 times
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
60 Month Certificates of Deposit (CDs)
$0
4.50%
▲ 1.92% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Mississippi Average2.58%▲ 1.92% above avgNationally 2.92%
Details
Penalty: 12 Months
Rate History
No change since Oct 22, 2026 · 4.50% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Share Certificate
$0
4.40%
▲ 1.82% above Mississippi avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.58%▲ 1.82% above avgNationally 2.92%
Details
Rate Effective Date: October 29, 2026
Rate History
No change since Oct 23, 2026 · 4.40% APY · checked 2 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month Jumbo Term Certificate
$100,000
4.33%
▲ 1.75% above Mississippi avg
▼
Rate4.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.58%▲ 1.75% above avgNationally 2.92%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
1 change since Sep 18, 2026 · 4.28% → 4.33% ▲ 0.05 pts · high 4.33% / low 4.28%
- Oct 19, 20264.33%▲ from 4.28%
- Sep 18, 20264.28%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Share Certificate
$500
4.30%
▲ 1.72% above Mississippi avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.58%▲ 1.72% above avgNationally 2.92%
Details
Minimum Deposit $500
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month IRA
$1,000
4.28%
▲ 1.70% above Mississippi avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.58%▲ 1.70% above avgNationally 2.92%
Details
Certificates can only be added to at maturity or in the 10-day grace period
Rate History
No change since Oct 19, 2026 · 4.28% APY · checked 3 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month Term Certificate
$1,000
4.28%
▲ 1.70% above Mississippi avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.58%▲ 1.70% above avgNationally 2.92%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
1 change since Sep 18, 2026 · 4.23% → 4.28% ▲ 0.05 pts · high 4.28% / low 4.23%
- Oct 19, 20264.28%▲ from 4.23%
- Sep 18, 20264.23%first recorded
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
5-Year Regular Certificate or IRA Certificate
$10,000
4.25%
▲ 1.67% above Mississippi avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.58%▲ 1.67% above avgNationally 2.92%
Details
Deposit: $10,000+
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 3 times
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
60 Month Certificate
$1,000
4.06%
▲ 1.48% above Mississippi avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.58%▲ 1.48% above avgNationally 2.92%
Details
Dividend Posting Period: quarterly; Effective as of: 01/21/2026
Rate History
No change since Sep 25, 2026 · 4.06% APY · checked 7 times
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
60 Month IRA Certificate
$1,000
4.06%
▲ 1.48% above Mississippi avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.58%▲ 1.48% above avgNationally 2.92%
Details
Dividend Posting Period: quarterly; Effective as of: 01/21/2026
Rate History
No change since Oct 4, 2026 · 4.06% APY · checked 6 times
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
5-Year Regular Certificate or IRA Certificate
$2,000
4.00%
▲ 1.42% above Mississippi avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.58%▲ 1.42% above avgNationally 2.92%
Details
Deposit: $2,000-$9,999
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 3 times
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
5 Year Certificate
$500
4.00%
▲ 1.42% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.58%▲ 1.42% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
- Oct 30, 20264.00%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificate of Deposit - 60 Months
$500
3.95%
▲ 1.37% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.58%▲ 1.37% above avgNationally 2.92%
Details
Minimum $500 deposit required to open a CD; Available to qualifying members; Penalty for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
- Oct 26, 20263.95%▲ from 3.85%
- Oct 9, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.90%
▲ 1.32% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.58%▲ 1.32% above avgNationally 2.92%
Details
Balance: $100,000 minimum; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.90% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.85%
▲ 1.27% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.58%▲ 1.27% above avgNationally 2.92%
Details
Balance: $1,000 minimum; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 2 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 60 Months
$500
3.82%
▲ 1.24% above Mississippi avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.58%▲ 1.24% above avgNationally 2.92%
Details
Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; APY shown Monthly/Quarterly
Rate History
No change since Oct 15, 2026 · 3.82% APY · checked 3 times
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Regular Certificate - 60-month
$0
3.65%
▲ 1.07% above Mississippi avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.58%▲ 1.07% above avgNationally 2.92%
Details
Rates listed above are accurate as of 10/25/2026.
Rate History
No change since Oct 26, 2026 · 3.65% APY · checked 2 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
CD - 60 Month
$0
3.41%
▲ 0.83% above Mississippi avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.58%▲ 0.83% above avgNationally 2.92%
Details
Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 3 times
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
Roth IRA - Variable Rate (60 mo)
$100
3.29%
▲ 0.71% above Mississippi avg
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.58%▲ 0.71% above avgNationally 2.92%
Details
Compound: Quarterly; Interest rate may change after the account is opened
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 9 times
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Certificate - 60 Months
$500
3.24%
▲ 0.66% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.58%▲ 0.66% above avgNationally 2.92%
Details
Dividends quarterly; early withdrawals subject to penalty
Rate History
No change since Oct 15, 2026 · 3.24% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
60 Month Standard CDs - Rewards
$0
3.10%
▲ 0.52% above Mississippi avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.58%▲ 0.52% above avgNationally 2.92%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
60 Month Standard IRA CDs - Rewards
$0
3.10%
▲ 0.52% above Mississippi avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.58%▲ 0.52% above avgNationally 2.92%
Details
Rewards APY column; Dividend Rate 3.06%
Rate History
No change since Oct 19, 2026 · 3.10% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard CD 60-month term
$0
3.10%
▲ 0.52% above Mississippi avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.58%▲ 0.52% above avgNationally 2.92%
Details
Rewards APY
Rate History
1 change since Oct 14, 2026 · 2.84% → 3.10% ▲ 0.26 pts · high 3.10% / low 2.84%
- Oct 30, 20263.10%▲ from 2.84%
- Oct 14, 20262.84%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard IRA CD 60-month term
$0
3.10%
▲ 0.52% above Mississippi avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.58%▲ 0.52% above avgNationally 2.92%
Details
IRA; Rewards APY
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 7 times
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
Roth IRA - Fixed Rate (60 mo)
$1,000
3.02%
▲ 0.44% above Mississippi avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.58%▲ 0.44% above avgNationally 2.92%
Details
Compound: Semi-Annual
Rate History
No change since Sep 14, 2026 · 3.02% APY · checked 9 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
60-Month Certificate - Premier Member
$500
3.00%
▲ 0.42% above Mississippi avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.58%▲ 0.42% above avgNationally 2.92%
Details
Premier Member rate; Minimum balance to open a certificate is $500
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 5 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
60-Month IRA Certificate - Premier Member
$500
3.00%
▲ 0.42% above Mississippi avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.58%▲ 0.42% above avgNationally 2.92%
Details
Premier Member rate; minimum balance to open an IRA certificate is $500
Rate History
No change since Oct 23, 2026 · 3.00% APY · checked 2 times
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
60 Month Share Certificates (CDs)
$1,000
2.94%
▲ 0.36% above Mississippi avg
▼
Rate2.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.58%▲ 0.36% above avgNationally 2.92%
Details
Rate History
1 change since Sep 18, 2026 · 2.66% → 2.94% ▲ 0.28 pts · high 2.94% / low 2.66%
- Oct 13, 20262.94%▲ from 2.66%
- Sep 18, 20262.66%first recorded
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
IRA 60-Month Certificate
$0
2.94%
▲ 0.36% above Mississippi avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.58%▲ 0.36% above avgNationally 2.92%
Details
Individual Retirement Accounts; Rates as of 10/1/26
Rate History
1 change since Sep 14, 2026 · 2.66% → 2.94% ▲ 0.28 pts · high 2.94% / low 2.66%
- Oct 9, 20262.94%▲ from 2.66%
- Sep 14, 20262.66%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
60 Month Standard CDs - Regular
$0
2.84%
▲ 0.26% above Mississippi avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.58%▲ 0.26% above avgNationally 2.92%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.84% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
60 Month Standard IRA CDs - Regular
$0
2.84%
▲ 0.26% above Mississippi avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.58%▲ 0.26% above avgNationally 2.92%
Details
Regular APY column; Dividend Rate 2.81%
Rate History
No change since Oct 19, 2026 · 2.84% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard CD 60-month term
$0
2.84%
▲ 0.26% above Mississippi avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.58%▲ 0.26% above avgNationally 2.92%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.84% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard IRA CD 60-month term
$0
2.84%
▲ 0.26% above Mississippi avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Mississippi Average2.58%▲ 0.26% above avgNationally 2.92%
Details
IRA; Regular APY
Rate History
1 change since Sep 14, 2026 · 3.10% → 2.84% ▼ 0.26 pts · high 3.10% / low 2.84%
- Oct 30, 20262.84%▼ from 3.10%
- Sep 14, 20263.10%first recorded
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
Certificates of Deposits - 60 Month
$1,000
2.77%
▲ 0.19% above Mississippi avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Mississippi Average2.58%▲ 0.19% above avgNationally 2.92%
Details
Compound: Semi-Annual
Rate History
No change since Oct 21, 2026 · 2.77% APY · checked 3 times
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
IRA Certificate 60 Months
$50
2.75%
▲ 0.17% above Mississippi avg
▼
Rate2.75%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Mississippi Average2.58%▲ 0.17% above avgNationally 2.92%
Details
IRA Certificate Rates (with a minimum balance of $1000.00); $50.00 minimum deposit required; A penalty may be applied for early withdrawal
Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 3 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
60-Month Business Certificate
$500
2.75%
▲ 0.17% above Mississippi avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.58%▲ 0.17% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 9 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
60-Month Certificate
$500
2.75%
▲ 0.17% above Mississippi avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.58%▲ 0.17% above avgNationally 2.92%
Details
Non-premier member rate; Minimum balance to open a certificate is $500
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
- Oct 15, 20262.75%▼ from 3.00%
- Sep 14, 20263.00%first recorded
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
60-Month IRA Certificate
$500
2.75%
▲ 0.17% above Mississippi avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.58%▲ 0.17% above avgNationally 2.92%
Details
Non-premier member rate; minimum balance to open an IRA certificate is $500
Rate History
No change since Oct 23, 2026 · 2.75% APY · checked 2 times
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Business Certificate 60 Months
$500
2.68%
▲ 0.10% above Mississippi avg
▼
Rate2.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.58%▲ 0.10% above avgNationally 2.92%
Details
Dividends compounded monthly and credited monthly
Rate History
No change since Oct 23, 2026 · 2.68% APY · checked 2 times
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 60 Months
$0
2.68%
▲ 0.10% above Mississippi avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.58%▲ 0.10% above avgNationally 2.92%
Details
Minimum balance to earn stated APY: $500
Rate History
No change since Oct 15, 2026 · 2.68% APY · checked 3 times
Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 60 Months
$2,500
2.63%
▲ 0.05% above Mississippi avg
▼
Rate2.60%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.58%▲ 0.05% above avgNationally 2.92%
Details
$2,500 minimum deposit tier
Rate History
No change since Oct 22, 2026 · 2.63% APY · checked 3 times
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
60 Month Certificate Account
$0
2.55%
▼ 0.03% below Mississippi avg
▼
Rate2.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.58%▼ 0.03% below avgNationally 2.92%
Details
Dividends Paid: Quarterly; Effective as of: Aug 23, 2022
Rate History
No change since Sep 21, 2026 · 2.55% APY · checked 9 times
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
Certificate of Deposit (CDs) - 60 Months
$500
2.50%
▼ 0.08% below Mississippi avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Mississippi Average2.58%▼ 0.08% below avgNationally 2.92%
Details
Minimum balance to obtain APY: $500.00
Rate History
No change since Oct 21, 2026 · 2.50% APY · checked 2 times
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
Certificate - 60 Months
$0
2.39%
▼ 0.19% below Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.58%▼ 0.19% below avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 2.39% APY · checked 3 times
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
Share & IRA Certificates - 60 Months
$0
2.39%
▼ 0.19% below Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.58%▼ 0.19% below avgNationally 2.92%
Details
Penalty for early withdrawal applies; Rates and APYs accurate as of November 2022
Rate History
No change since Oct 23, 2026 · 2.39% APY · checked 2 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
60 Month Share Certificates
$0
2.30%
▼ 0.28% below Mississippi avg
▼
Rate2.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.58%▼ 0.28% below avgNationally 2.92%
Details
Minimum Balance: $50,000
Rate History
No change since Sep 14, 2026 · 2.30% APY · checked 7 times
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Share Certificate - 5 Years
$0
2.27%
▼ 0.31% below Mississippi avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.58%▼ 0.31% below avgNationally 2.92%
Details
Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 5 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Investment Certificates - 60 Months IRA SC
$0
2.25%
▼ 0.33% below Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.58%▼ 0.33% below avgNationally 2.92%
Details
IRA
Rate History
No change since Oct 12, 2026 · 2.25% APY · checked 4 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Investment Certificates - 60 Months SC
$0
2.25%
▼ 0.33% below Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Mississippi Average2.58%▼ 0.33% below avgNationally 2.92%
Details
Rate History
No change since Oct 12, 2026 · 2.25% APY · checked 4 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
60 Month Share Certificates
$0
2.20%
▼ 0.38% below Mississippi avg
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Mississippi Average2.58%▼ 0.38% below avgNationally 2.92%
Details
Minimum Balance: $500
Rate History
No change since Sep 14, 2026 · 2.20% APY · checked 7 times
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Alligator, MS CD Rate Trends
Compare local Alligator, MS 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
2.721%
▲ 0.007 vs 7 days ago
Mississippi 12-month CD rates rose 0.007 points over the past 7 days to 2.721% APY.
6-Month CD MS Avg
2.192%
▲ 0.029 vs 7 days ago
Mississippi 6-month CD rates rose 0.029 points over the past 7 days to 2.192% APY.
As of Oct 31, 2026 • Rate data sourced from 8,500+ monitored institutions
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MS CD Rate Forecast, Next 12 Months
Where are Mississippi CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MS 12-Month Avg APY
2.721%
6-Month Forecast
2.721%
Range: 2.52%, 2.87%
12-Month Forecast
2.971%
Range: 2.77%, 3.12%
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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 | 1.473% | $73.67 | $147.34 | $368.35 | $736.70 |
| 6-Month CD | 2.192% | $109.62 | $219.23 | $548.07 | $1,096.15 |
| 12-Month CD | 2.721% | $136.04 | $272.08 | $680.20 | $1,360.40 |
| 18-Month CD | 3.034% | $151.68 | $303.35 | $758.38 | $1,516.75 |
| 24-Month CD | 2.562% | $128.09 | $256.17 | $640.43 | $1,280.85 |
| 36-Month CD | 2.410% | $120.52 | $241.03 | $602.57 | $1,205.15 |
| 48-Month CD | 2.189% | $109.44 | $218.88 | $547.20 | $1,094.40 |
| 60-Month CD | 2.575% | $128.76 | $257.52 | $643.80 | $1,287.60 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 31, 2026. | |||||
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Sample CD Ladder for Alligator, 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 | 1.473% | $73.67 |
| 2 | 6-Month CD | $5,000 | 2.192% | $109.62 |
| 3 | 12-Month CD | $5,000 | 2.721% | $136.04 |
| 4 | 24-Month CD | $5,000 | 2.562% | $128.09 |
| 5 | 36-Month CD | $5,000 | 2.410% | $120.52 |
| Total ($25,000 invested) | $25,000 | 2.272% blended | $567.94/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.
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548
CD Rates
Tracked in Alligator, Mississippi
Tracked in Alligator, Mississippi
16 Banks
37 Credit Unions
About Our Alligator, Mississippi CD Rate Database
MonitorBankRates tracks 548 CD rates from 16 banks and 37 credit unions with locations in Alligator, 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 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Gulf Coast Community Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Alligator, Mississippi.
How to Find the Best CD Rates in Alligator, Mississippi
What to compare when shopping for a CD in Alligator, Mississippi
To find the best APYs in Alligator, Mississippi, start with credit unions and online-only banks: Alligator, Mississippi has 37 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 Alligator, 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 Alligator, Mississippi: 53 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Alligator, 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 Alligator, Mississippi money market rates
Mississippi Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
Population 65+
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
$102/yr
At MS 12-mo avg 2.721% 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 2.721%, saving 10% of the local median salary ($3,735/year) and putting it in a CD would earn an additional $102 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 Alligator, 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 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
CD Product Information
How CDs Work
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 Alligator, 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 Alligator, Mississippi as everywhere in the U.S.
CD Terms
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Alligator, Mississippi savers easier access to their funds. For example, Gulf Coast Community Federal Credit Union is offering its 6 Month Youth Share Certificates at 5.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Hope Federal Credit Union Jackson, MS is offering its 60 Month Jumbo Share Certificates (CDs) at 4.95% 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
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 Alligator, 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
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 Alligator, 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
Most CDs carry a fixed rate that is locked for the entire term, protecting a Alligator, 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 Alligator, Mississippi
What are CD rates in Alligator, Mississippi today?
Alligator, Mississippi CD rates from banks and credit unions serving Mississippi range from 0.05% to 5.00% APY as of October 31, 2026, verified by MonitorBankRates. Top rates include 5.00% APY at Gulf Coast Community Federal Credit Union (6 Month Youth Share Certificates), 4.95% at Hope Federal Credit Union Jackson, MS (60 Month Jumbo Share Certificates (CDs)) and 4.50% at Commercial Bank De Kalb, MS (60 Month Certificates of Deposit (CDs)), compared with the MonitorBankRates national 12 month average of 3.01% APY.
Are CD rates in Alligator, Mississippi FDIC insured?
Yes, most established banks in Alligator, 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 Alligator, 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 Alligator, 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 Alligator, 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 Alligator, Mississippi?
Here are recent top rates found for this area:
- Gulf Coast Community Federal Credit Union: 5.00% APY (6 Month Youth Share Certificates)
- Hope Federal Credit Union Jackson, MS: 4.95% APY (60 Month Jumbo Share Certificates (CDs))
- Commercial Bank De Kalb, MS: 4.50% APY (60 Month Certificates of Deposit (CDs))
- The New Orleans Firemens Federal Credit Union: 4.50% APY (2-Year Regular Certificate or IRA Certificate)
- Fort Financial Federal Credit Union: 4.50% APY (12-Month IRA Certificate - Premier Member)
- Chevron Federal Credit Union: 4.40% APY (36 Month Share Certificate)
- All In Credit Union: 4.39% APY (18 Month Jumbo Term Certificate)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Red River Employees Federal Credit Union: 4.33% APY (6 Month TEAL Certificate)
- Sunbelt Federal Credit Union: 4.33% APY (Business Certificate 18 Months (special))
Rates reflect recent verified offers available in Alligator, Mississippi. Last Updated: October 31, 2026
Alligator, 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 Alligator, 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 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Alligator, Mississippi
Alligator, Mississippi CD Calculator
At today’s MS top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Alligator, Mississippi CD LadderMS CD rates currently range from 1.473% (3-month) to 2.410% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Alligator, Mississippi CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsMississippi’s average 12-month CD is 2.721% 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 Alligator, 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 Alligator, 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 Alligator, 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: October 31, 2026
Alligator, Mississippi Rates & Resources
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