Petal, Mississippi Best CD Rates October 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Petal, Mississippi CD rates range from 0.05% to 5.00% APY, verified by MonitorBankRates as of October 15, 2026. Current Petal, Mississippi CD rates include Hancock Whitney BankHancock Whitney Bank535 E Central Ave, Petal, MS 39465A+5.0 ★Texas Ratio: 3.41%Real return: +1.45%APY minus CPI (February 2026) offering 24-Month Certificate of Deposit at 4.25% APY, Keesler Federal Credit UnionKeesler Federal Credit Union1119 Evelyn Gandy Pkwy, Petal, MS 39465 3948A+5.0 ★Texas Ratio: 5.02%Real return: +0.45%APY minus CPI (February 2026) offering 18 Month Jumbo Share & IRA Certificates at 3.25% APY, CenturyFirst Federal Credit UnionCenturyFirst Federal Credit Union202 W Central Ave, Petal, MS 39465 2016A5.0 ★Texas Ratio: 9.18%Real return: -0.25%APY minus CPI (February 2026) offering 48 Month Certificate Account at 2.55% APY, Gulf Coast Community Federal Credit UnionGulf Coast Community Federal Credit UnionA+5.0 ★Texas Ratio: 4.35%Real return: +2.20%APY minus CPI (February 2026) offering 6 Month Youth Share Certificates at 5.00% APY, and Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MSA5.0 ★Texas Ratio: 7.78%Real return: +2.15%APY minus CPI (February 2026) offering 60 Month Share Certificates (CDs) - Jumbo at 4.95% APY. CD rates as of October 15, 2026 according to verified data from MonitorBankRates.
Petal has 22 local institutions in our database, with CD rates as high as 4.25% APY from Hancock Whitney Bank at 535 E Central Ave, Petal, MS 39465. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Mississippi area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 15, 2026
Compare Best CD Rates in Petal, Mississippi & the Surrounding Area
Petal 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
202 W Central Ave, Petal, MS 39465 2016
3 Month Certificate Account
$0
1.10%
▼ 0.57% below Mississippi avg
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average1.67%▼ 0.57% below avgNationally 2.12%
Details
Effective as of: Aug 23, 2022; Dividends Paid: Quarterly
Rate History
No change since Sep 21, 2026 · 1.10% APY · checked 6 times
CM Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
3 Month Certificate of Deposit
$1,000
4.00%
▲ 2.33% above Mississippi avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Mississippi Average1.67%▲ 2.33% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA Jumbo
$100,000
3.71%
▲ 2.04% above Mississippi avg
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average1.67%▲ 2.04% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 3 Month Jumbo
$100,000
3.71%
▲ 2.04% above Mississippi avg
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average1.67%▲ 2.04% above avgNationally 2.12%
Details
Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Oct 14, 2026 · 3.71% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA
$1,000
3.66%
▲ 1.99% above Mississippi avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average1.67%▲ 1.99% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 3 Month
$1,000
3.66%
▲ 1.99% above Mississippi avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average1.67%▲ 1.99% above avgNationally 2.12%
Details
Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 8 times
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Certificates - 3 Months
$500
3.55%
▲ 1.88% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average1.67%▲ 1.88% above avgNationally 2.12%
Details
Quarterly dividends; early withdrawals subject to penalty
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month Share Certificate
$500
3.50%
▲ 1.83% above Mississippi avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average1.67%▲ 1.83% above avgNationally 2.12%
Details
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
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
CDs (Certificates) and IRAs - 3 Months
$0
2.18%
▲ 0.51% above Mississippi avg
▼
Rate2.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average1.67%▲ 0.51% above avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 2.18% APY
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
Certificate of Deposit 3 Month
$500
2.00%
▲ 0.33% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average1.67%▲ 0.33% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Mississippi National Guard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3 Month Certificate
$0
2.00%
▲ 0.33% above Mississippi avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average1.67%▲ 0.33% above avgNationally 2.12%
Details
Rate History
No change since Oct 5, 2026 · 2.00% APY · checked 3 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Build IT CD - 3 Months
$0
1.64%
▼ 0.03% below Mississippi avg
▼
Rate1.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average1.67%▼ 0.03% below avgNationally 2.12%
Details
Balance: $100 to $999.99; Dividend Rate 1.64%; Balance over $999.99 rolls into regular CD of same term
Rate History
2 changes since Sep 14, 2026 · 1.35% → 1.64% ▲ 0.29 pts · high 1.64% / low 1.35%
- Oct 14, 20261.64%▲ from 1.57%
- Sep 27, 20261.57%▲ from 1.35%
- Sep 14, 20261.35%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55%
▼ 0.12% below Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average1.67%▼ 0.12% below avgNationally 2.12%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.55% APY
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
3 Month Certificate
$2,500
1.51%
▼ 0.16% below Mississippi avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average1.67%▼ 0.16% below avgNationally 2.12%
Details
Compounded At Maturity
Rate History
No change since Sep 24, 2026 · 1.51% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50%
▼ 0.17% below Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average1.67%▼ 0.17% below avgNationally 2.12%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.50% APY
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
90-Day Certificate - Premier Member
$500
0.80%
▼ 0.87% below Mississippi avg
▼
Rate0.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average1.67%▼ 0.87% below avgNationally 2.12%
Details
Premier member; APY | Dividend Rate; minimum balance to open a certificate is $500
Rate History
No change since Oct 8, 2026 · 0.80% APY · checked 3 times
Citizens Bank & Trust Co. MS
Institution Rating:
D3.4 ★Texas Ratio: 33.79%
3 Month CD
$1,000
0.75%
▼ 0.92% below Mississippi avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average1.67%▼ 0.92% below avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3 Month Share Certificate
$0
0.65%
▼ 1.02% below Mississippi avg
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average1.67%▼ 1.02% below avgNationally 2.12%
Details
Balance: $50,000 minimum
Rate History
No change since Oct 8, 2026 · 0.65% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3 Month Standard CDs - Rewards
$0
0.60%
▼ 1.07% below Mississippi avg
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average1.67%▼ 1.07% below avgNationally 2.12%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 0.60% APY
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
90-Day Certificate
$500
0.55%
▼ 1.12% below Mississippi avg
▼
Rate0.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average1.67%▼ 1.12% below avgNationally 2.12%
Details
Non-premier member; APY | Dividend 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
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3 Month Share Certificate
$0
0.55%
▼ 1.12% below Mississippi avg
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average1.67%▼ 1.12% below avgNationally 2.12%
Details
Balance: $500 minimum
Rate History
No change since Oct 8, 2026 · 0.55% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3 Month Standard CDs - Regular
$0
0.50%
▼ 1.17% below Mississippi avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average1.67%▼ 1.17% below avgNationally 2.12%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 0.50% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard CD - 3-month term
$0
0.50%
▼ 1.17% below Mississippi avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average1.67%▼ 1.17% below avgNationally 2.12%
Details
Regular APY
Rate History
1 change since Sep 14, 2026 · 0.60% → 0.50% ▼ 0.10 pts · high 0.60% / low 0.50%
- Oct 14, 20260.50%▼ from 0.60%
- Sep 14, 20260.60%first recorded
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
90 Day Certificate
$500
0.50%
▼ 1.17% below Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average1.67%▼ 1.17% below avgNationally 2.12%
Details
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 6 times
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
3 Month Certificate
$0
0.35%
▼ 1.32% below Mississippi avg
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average1.67%▼ 1.32% below avgNationally 2.12%
Details
Balance: $1,000 - $49,999.99; APR column printed as 0.35%; Penalty for early withdrawal applies
Rate History
1 change since Oct 12, 2026 · 0.55% → 0.35% ▼ 0.20 pts · high 0.55% / low 0.35%
- Oct 15, 20260.35%▼ from 0.55%
- Oct 12, 20260.55%first recorded
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
3 Month Certificates
$1,000
0.15%
▼ 1.52% below Mississippi avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Mississippi Average1.67%▼ 1.52% below avgNationally 2.12%
Details
APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. As required by federal regulations, there is a substantial penalty for early withdrawals. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not.
Rate History
No change since Oct 9, 2026 · 0.15% APY · checked 3 times
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Personal Certificates of Deposit - 90 Days
$1,000
0.10%
▼ 1.57% below Mississippi avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average1.67%▼ 1.57% below avgNationally 2.12%
Details
Interest Credited: Maturity
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 7 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 1.61% below Mississippi avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average1.67%▼ 1.61% below avgNationally 2.12%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.62% below Mississippi avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average1.67%▼ 1.62% below avgNationally 2.12%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
Petal 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
202 W Central Ave, Petal, MS 39465 2016
6 Month Certificate Account
$0
1.35%
▼ 0.93% below Mississippi avg
▼
Rate1.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.28%▼ 0.93% below avgNationally 2.78%
Details
Effective as of: Aug 23, 2022; Dividends Paid: Quarterly
Rate History
No change since Sep 21, 2026 · 1.35% APY · checked 6 times
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1119 Evelyn Gandy Pkwy, Petal, MS 39465 3948
6 Month Jumbo Share & IRA Certificates
$0
0.45%
▼ 1.83% below Mississippi avg
▼
Rate0.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.28%▼ 1.83% below avgNationally 2.78%
Details
Jumbo certificate; early withdrawal penalties may apply; IRS early withdrawal penalties may apply on IRA withdrawals
Rate History
No change since Oct 12, 2026 · 0.45% APY · checked 2 times
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1119 Evelyn Gandy Pkwy, Petal, MS 39465 3948
6 Month Share & IRA Certificate Accounts
$0
0.35%
▼ 1.93% below Mississippi avg
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.28%▼ 1.93% below avgNationally 2.78%
Details
Rate History
No change since Oct 12, 2026 · 0.35% APY · checked 2 times
Gulf Coast Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
6 Month Youth Share Certificates
$0
5.00%
▲ 2.72% above Mississippi avg
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.28%▲ 2.72% above avgNationally 2.78%
Details
Balance: $500-$15,000
Rate History
No change since Sep 25, 2026 · 5.00% APY · checked 3 times
Gulf Coast Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
Youth Share Certificates - 6 Months
$0
5.00%
▲ 2.72% above Mississippi avg
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.28%▲ 2.72% above avgNationally 2.78%
Details
Balance: $500-$15,000
Rate History
No change since Sep 25, 2026 · 5.00% APY · checked 5 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6 Month TEAL Certificate
$250
4.33%
▲ 2.05% above Mississippi avg
▼
Rate4.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.28%▲ 2.05% above avgNationally 2.78%
Details
Age: 13-17; Compounding: Monthly; $250 minimum
Rate History
No change since Oct 12, 2026 · 4.33% APY · checked 2 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%
▲ 2.05% above Mississippi avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.28%▲ 2.05% above avgNationally 2.78%
Details
Ages: 13-17; Teens Earning And Learning certificate; current dividend of 4.33% APY compounded monthly; available at local branch
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%
▲ 2.05% above Mississippi avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.28%▲ 2.05% above avgNationally 2.78%
Details
Compounding: Monthly/Quarterly; Quarterly APY: 4.32%
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.33% ▲ 0.33 pts · high 4.33% / low 4.00%
- Oct 4, 20264.33%▲ from 4.00%
- Sep 14, 20264.00%first recorded
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
6-Month Regular Certificate or IRA Certificate
$0
4.25%
▲ 1.97% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.28%▲ 1.97% above avgNationally 2.78%
Details
Deposit: $10,000+
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month IRA Jumbo
$100,000
4.12%
▲ 1.84% above Mississippi avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.28%▲ 1.84% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 4.12% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 6 Month Jumbo
$100,000
4.12%
▲ 1.84% above Mississippi avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.28%▲ 1.84% above avgNationally 2.78%
Details
Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Oct 14, 2026 · 4.12% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month IRA
$1,000
4.07%
▲ 1.79% above Mississippi avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.28%▲ 1.79% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 6 Month
$1,000
4.07%
▲ 1.79% above Mississippi avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.28%▲ 1.79% above avgNationally 2.78%
Details
Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 8 times
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
Business Certificates of Deposit (CDs) - 6 Months
$0
4.00%
▲ 1.72% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.28%▲ 1.72% above avgNationally 2.78%
Details
Penalty: 1 Month
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Sep 24, 20264.00%▲ from 3.85%
- Sep 14, 20263.85%first recorded
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
6 Month Youth Certificate
$1,000
4.00%
▲ 1.72% above Mississippi avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.28%▲ 1.72% above avgNationally 2.78%
Details
Term: 6 months, 12 months, 3 years or 5 years; Minimum deposit: $1,000
Rate History
No change since Oct 8, 2026 · 4.00% 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
$0
4.00%
▲ 1.72% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.28%▲ 1.72% above avgNationally 2.78%
Details
Deposit: $2,000-$9,999
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Share Certificate - 6 Month JUMBO
$50,000
4.00%
▲ 1.72% above Mississippi avg
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.28%▲ 1.72% above avgNationally 2.78%
Details
Dividends Compounded & Paid: At Maturity; Penalty will be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 4.00% APY
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
6 Month Share Certificate
$0
4.00%
▲ 1.72% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.28%▲ 1.72% above avgNationally 2.78%
Details
Penalty for early withdrawal applies
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
Certificate - 6 Months
$0
4.00%
▲ 1.72% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.28%▲ 1.72% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Month Share Certificate
$500
3.85%
▲ 1.57% above Mississippi avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.28%▲ 1.57% above avgNationally 2.78%
Details
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%
6 Month Business Share Certificates
$0
3.82%
▲ 1.54% above Mississippi avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.28%▲ 1.54% above avgNationally 2.78%
Details
Minimum balance required to earn the stated APY; dividends calculated by Daily Balance method
Rate History
No change since Sep 18, 2026 · 3.82% APY · checked 4 times
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 6 Months
$0
3.82%
▲ 1.54% above Mississippi avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.28%▲ 1.54% above avgNationally 2.78%
Details
Minimum balance required to earn stated APY: $500
Rate History
No change since Sep 12, 2026 · 3.82% APY · checked 8 times
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
6 Month Certificate
$50,000
3.75%
▲ 1.47% above Mississippi avg
▼
Rate3.72%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.28%▲ 1.47% above avgNationally 2.78%
Details
Rate History
No change since Sep 30, 2026 · 3.75% APY · checked 4 times
CM Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
6 Month Certificate of Deposit
$1,000
3.75%
▲ 1.47% above Mississippi avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Mississippi Average2.28%▲ 1.47% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
6 Month Certificate
$10,000
3.70%
▲ 1.42% above Mississippi avg
▼
Rate3.67%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.28%▲ 1.42% above avgNationally 2.78%
Details
Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 4 times
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
6 Month Certificate
$2,500
3.65%
▲ 1.37% above Mississippi avg
▼
Rate3.62%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.28%▲ 1.37% above avgNationally 2.78%
Details
Rate History
No change since Sep 30, 2026 · 3.65% APY · checked 4 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Investment Certificates - 6 Months SC
$0
3.50%
▲ 1.22% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.28%▲ 1.22% above avgNationally 2.78%
Details
Rate History
No change since Oct 12, 2026 · 3.50% APY
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Certificates - 6 Months
$500
3.44%
▲ 1.16% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.28%▲ 1.16% above avgNationally 2.78%
Details
Quarterly dividends; early withdrawals subject to penalty
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 times
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Regular Certificates - 6-month
$0
3.40%
▲ 1.12% above Mississippi avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.28%▲ 1.12% above avgNationally 2.78%
Details
Rate History
No change since Oct 13, 2026 · 3.40% APY
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
6 Month Certificate
$1,000
3.00%
▲ 0.72% above Mississippi avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.28%▲ 0.72% above avgNationally 2.78%
Details
Dividend Posting Period: maturity; Effective as of: 01/21/2026
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 5 times
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
Certificates - 6 Month
$1,000
3.00%
▲ 0.72% above Mississippi avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.28%▲ 0.72% above avgNationally 2.78%
Details
Rates effective as of 09/18/2025
Rate History
No change since Sep 12, 2026 · 3.00% APY · checked 3 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
CDs (Certificates) and IRAs - 6 Months
$0
2.98%
▲ 0.70% above Mississippi avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.28%▲ 0.70% above avgNationally 2.78%
Details
Rate History
No change since Oct 14, 2026 · 2.98% APY
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
6 Month Certificate
$2,500
2.77%
▲ 0.49% above Mississippi avg
▼
Rate2.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.28%▲ 0.49% above avgNationally 2.78%
Details
Compounded At Maturity
Rate History
No change since Sep 24, 2026 · 2.77% APY · checked 5 times
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
Roth IRA - Fixed Rate (6 mo)
$1,000
2.77%
▲ 0.49% above Mississippi avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.28%▲ 0.49% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 2.77% APY · checked 6 times
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
6 Month Certificate
$500
2.50%
▲ 0.22% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.28%▲ 0.22% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
Certificate of Deposit 6 Month
$500
2.25%
▼ 0.03% below Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.28%▼ 0.03% below avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
IRA 6 Month
$500
2.25%
▼ 0.03% below Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.28%▼ 0.03% below avgNationally 2.78%
Details
Rate History
No change since Oct 14, 2026 · 2.25% APY
Mississippi National Guard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6 Month Certificate
$0
2.00%
▼ 0.28% below Mississippi avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.28%▼ 0.28% below avgNationally 2.78%
Details
Rate History
No change since Oct 5, 2026 · 2.00% APY · checked 3 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Build IT CD - 6 Months
$0
1.80%
▼ 0.48% below Mississippi avg
▼
Rate1.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.28%▼ 0.48% below avgNationally 2.78%
Details
Balance: $100 to $999.99; Balance over $999.99 rolls into regular CD of same term
Rate History
2 changes since Sep 14, 2026 · 1.49% → 1.80% ▲ 0.31 pts · high 1.80% / low 1.49%
- Oct 14, 20261.80%▲ from 1.77%
- Sep 27, 20261.77%▲ from 1.49%
- Sep 14, 20261.49%first recorded
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Share Certificate 6 Months
$0
1.77%
▼ 0.51% below Mississippi avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.28%▼ 0.51% below avgNationally 2.78%
Details
Early withdrawal penalties apply; all rates subject to change without notice
Rate History
No change since Sep 14, 2026 · 1.77% APY · checked 2 times
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
6 Month Jumbo CD
$0
1.60%
▼ 0.68% below Mississippi avg
▼
Rate1.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.28%▼ 0.68% below avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 1.60% APY · checked 7 times
Citizens Bank & Trust Co. MS
Institution Rating:
D3.4 ★Texas Ratio: 33.79%
6 Month CD
$1,000
1.51%
▼ 0.77% below Mississippi avg
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.28%▼ 0.77% below avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
6 Month CD
$0
1.50%
▼ 0.78% below Mississippi avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.28%▼ 0.78% below avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
6 Month IRA CD
$1,000
1.50%
▼ 0.78% below Mississippi avg
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.28%▼ 0.78% below avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
6 Month Standard CDs - Rewards
$0
1.35%
▼ 0.93% below Mississippi avg
▼
Rate1.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.28%▼ 0.93% below avgNationally 2.78%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 1.35% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
6 Month Standard CDs - Regular
$0
1.25%
▼ 1.03% below Mississippi avg
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.28%▼ 1.03% below avgNationally 2.78%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 1.25% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard CD - 6-month term
$0
1.25%
▼ 1.03% below Mississippi avg
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.28%▼ 1.03% below avgNationally 2.78%
Details
Regular APY
Rate History
1 change since Sep 14, 2026 · 1.35% → 1.25% ▼ 0.10 pts · high 1.35% / low 1.25%
- Oct 14, 20261.25%▼ from 1.35%
- Sep 14, 20261.35%first recorded
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
6 Month Share Certificate
$0
1.20%
▼ 1.08% below Mississippi avg
▼
Rate1.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.28%▼ 1.08% below avgNationally 2.78%
Details
Balance: $50,000 minimum
Rate History
No change since Oct 8, 2026 · 1.20% APY · checked 3 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
6 Month Share Certificate
$0
1.10%
▼ 1.18% below Mississippi avg
▼
Rate1.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.28%▼ 1.18% below avgNationally 2.78%
Details
Balance: $500 minimum
Rate History
No change since Oct 8, 2026 · 1.10% APY · checked 3 times
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6 Month Share Certificate
$500
0.95%
▼ 1.33% below Mississippi avg
▼
Rate0.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.28%▼ 1.33% below avgNationally 2.78%
Details
Rate History
No change since Sep 20, 2026 · 0.95% APY · checked 6 times
Petal 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1119 Evelyn Gandy Pkwy, Petal, MS 39465 3948
1 Year Jumbo Share & IRA Certificates
$0
3.00%
▲ 0.21% above Mississippi avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.79%▲ 0.21% above avgNationally 2.99%
Details
Jumbo certificate; early withdrawal penalties may apply; IRS early withdrawal penalties may apply on IRA withdrawals
Rate History
No change since Oct 12, 2026 · 3.00% APY · checked 2 times
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1119 Evelyn Gandy Pkwy, Petal, MS 39465 3948
1 Year Share & IRA Certificate Accounts
$0
3.00%
▲ 0.21% above Mississippi avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.79%▲ 0.21% above avgNationally 2.99%
Details
Rate History
No change since Oct 12, 2026 · 3.00% APY · checked 2 times
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
202 W Central Ave, Petal, MS 39465 2016
12 Month Certificate Account
$0
1.85%
▼ 0.94% below Mississippi avg
▼
Rate1.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.79%▼ 0.94% below avgNationally 2.99%
Details
Effective as of: Aug 23, 2022; Dividends Paid: Quarterly
Rate History
No change since Sep 21, 2026 · 1.85% APY · checked 6 times
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
12 Month Share Certificates (CDs) - Jumbo
$1,000
4.53%
▲ 1.74% above Mississippi avg
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.79%▲ 1.74% above avgNationally 2.99%
Details
Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.
Rate History
No change since Oct 13, 2026 · 4.53% APY
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
Traditional 12-Month IRA Certificate - Premier Member
$500
4.50%
▲ 1.71% above Mississippi avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.79%▲ 1.71% above avgNationally 2.99%
Details
Premier member rate; APY | Dividend Rate; minimum balance to open an IRA certificate is $500; Traditional & Roth Certificates Rates
Rate History
No change since Oct 12, 2026 · 4.50% APY · checked 2 times
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
12-Month Regular Certificate or IRA Certificate
$0
4.40%
▲ 1.61% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.79%▲ 1.61% above avgNationally 2.99%
Details
Deposit: $10,000+
Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.56% above Mississippi avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.79%▲ 1.56% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Share Certificate
$100,000
4.35%
▲ 1.56% above Mississippi avg
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.79%▲ 1.56% above avgNationally 2.99%
Details
Rate Effective Date: October 12, 2026
Rate History
1 change since Oct 5, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
- Oct 13, 20264.35%▲ from 4.25%
- Oct 5, 20264.25%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
IRA Certificate 12 Months
$500
4.33%
▲ 1.54% above Mississippi avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.79%▲ 1.54% above avgNationally 2.99%
Details
Dividends Monthly/Quarterly; Quarterly APY: 4.32%
Rate History
No change since Oct 12, 2026 · 4.33% 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%
▲ 1.54% above Mississippi avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.79%▲ 1.54% above avgNationally 2.99%
Details
Compounding: Monthly/Quarterly; Quarterly APY: 4.32%
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.33% ▲ 0.33 pts · high 4.33% / low 4.00%
- Oct 4, 20264.33%▲ from 4.07%
- Sep 25, 20264.07%▲ from 4.00%
- Sep 14, 20264.00%first recorded
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%
▲ 1.46% above Mississippi avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.79%▲ 1.46% above avgNationally 2.99%
Details
Balance: $1,000+; Special rate available for a limited time; applies to Share Certificate and IRA Certificate; Early Withdrawal Penalty: one half of the original term's projected dividend earnings (whether earned or not), 365 day maximum
Rate History
No change since Sep 25, 2026 · 4.25% APY · checked 3 times
Gulf Coast Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
Share Certificate and IRA Certificate - 12 Months Special
$0
4.25%
▲ 1.46% above Mississippi avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.79%▲ 1.46% above avgNationally 2.99%
Details
Balance: $1,000+; Special rate available for a limited time; Early withdrawal penalty: one half of the original terms projected dividend earnings (whether earned or not) with a 365 day maximum
Rate History
No change since Sep 25, 2026 · 4.25% APY · checked 3 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
Traditional 12-Month IRA Certificate
$500
4.25%
▲ 1.46% above Mississippi avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.79%▲ 1.46% above avgNationally 2.99%
Details
Non-premier member rate; APY | Dividend Rate; minimum balance to open an IRA certificate is $500; Traditional & Roth Certificates Rates
Rate History
1 change since Sep 14, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.25%
- Sep 25, 20264.25%▼ from 4.50%
- Sep 14, 20264.50%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Share Certificate
$500
4.25%
▲ 1.46% above Mississippi avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.79%▲ 1.46% above avgNationally 2.99%
Details
Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 3 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month IRA Jumbo
$100,000
4.23%
▲ 1.44% above Mississippi avg
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.79%▲ 1.44% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 12 Month Jumbo
$100,000
4.23%
▲ 1.44% above Mississippi avg
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.79%▲ 1.44% above avgNationally 2.99%
Details
Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Oct 14, 2026 · 4.23% APY
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
Business Certificates of Deposit (CDs) - 12 Months
$0
4.20%
▲ 1.41% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.79%▲ 1.41% above avgNationally 2.99%
Details
Penalty: 3 Months
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
- Sep 24, 20264.20%▲ from 3.90%
- Sep 14, 20263.90%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month IRA
$1,000
4.18%
▲ 1.39% above Mississippi avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.79%▲ 1.39% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 12 Month
$1,000
4.18%
▲ 1.39% above Mississippi avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.79%▲ 1.39% above avgNationally 2.99%
Details
Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 8 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 1.31% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.79%▲ 1.31% above avgNationally 2.99%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 12 Month Variable
$1,000
4.08%
▲ 1.29% above Mississippi avg
▼
Rate4.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.79%▲ 1.29% above avgNationally 2.99%
Details
Variable rate; penalty equals 6 months of dividends; rate based on 1 Year T Bill rate less 50 basis points, adjusted monthly, not below 1.00% APR or above 8.00% APR; additional deposits allowed at any time.
Rate History
No change since Oct 14, 2026 · 4.08% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05%
▲ 1.26% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.79%▲ 1.26% above avgNationally 2.99%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 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%
▲ 1.25% above Mississippi avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.79%▲ 1.25% above avgNationally 2.99%
Details
Rates effective October 15th, 2025
Rate History
No change since Sep 14, 2026 · 4.04% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 1.21% above Mississippi avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.79%▲ 1.21% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
12-Month Regular Certificate or IRA Certificate
$0
4.00%
▲ 1.21% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.79%▲ 1.21% above avgNationally 2.99%
Details
Deposit: $2,000-$9,999
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Share Certificate - 12 Months
$10,000
4.00%
▲ 1.21% above Mississippi avg
▼
Rate4.00%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.79%▲ 1.21% above avgNationally 2.99%
Details
Dividends Compounded & Paid: Quarterly; Penalty will be imposed for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
12 Month Special Share Certificate
$500
3.82%
▲ 1.03% above Mississippi avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.79%▲ 1.03% above avgNationally 2.99%
Details
Limited time offer: effective 10/03/2025
Rate History
No change since Oct 15, 2026 · 3.82% APY
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
12-Month Certificate - Premier Member
$500
3.75%
▲ 0.96% above Mississippi avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.79%▲ 0.96% above avgNationally 2.99%
Details
Premier member; APY | Dividend Rate; minimum balance to open a certificate is $500
Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 3 times
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
12 Month Certificate Special
$1,000
3.75%
▲ 0.96% above Mississippi avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Mississippi Average2.79%▲ 0.96% above avgNationally 2.99%
Details
Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 11/18/24. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, 8 month and 12 month certificates are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates are subject to a loss of 90 days interest, whether earned or not. IRA CD's are not eligible for certificate specials. All deposits are federally insured up to at least $250,000.00 by the NCUA.
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 3 times
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Regular Certificates - 12-month
$0
3.70%
▲ 0.91% above Mississippi avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.79%▲ 0.91% above avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 3.70% APY
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
12 Month Share Certificate
$0
3.69%
▲ 0.90% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.79%▲ 0.90% above avgNationally 2.99%
Details
Penalty for early withdrawal applies
Rate History
No change since Sep 14, 2026 · 3.69% APY · checked 8 times
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
Certificate - 12 Months
$0
3.69%
▲ 0.90% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.79%▲ 0.90% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.69% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 12 Month Smart Start
$25
3.66%
▲ 0.87% above Mississippi avg
▼
Rate3.60%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.79%▲ 0.87% above avgNationally 2.99%
Details
Smart Start; Additional funds may be added at any time.
Rate History
No change since Oct 14, 2026 · 3.66% APY
HealthPlus Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.07%
12 Month Certificate of Deposit
$1,000
3.56%
▲ 0.77% above Mississippi avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.79%▲ 0.77% above avgNationally 2.99%
Details
Effective Date 9/01/2026; Footnote (1); Minimum Balance to Avoid Fees: n/a; Dividends compounded and credited quarterly; Dividends period: quarterly
Rate History
No change since Oct 4, 2026 · 3.56% APY · checked 4 times
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Certificates - 12 Months
$500
3.55%
▲ 0.76% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.79%▲ 0.76% above avgNationally 2.99%
Details
Quarterly dividends; early withdrawals subject to penalty
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Gulf Coast Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
12 Month IRA Certificate
$0
3.50%
▲ 0.71% above Mississippi avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.79%▲ 0.71% above avgNationally 2.99%
Details
Balance: $1,000+
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
$1,000
3.50%
▲ 0.71% above Mississippi avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.79%▲ 0.71% above avgNationally 2.99%
Details
Balance: $1,000 or more; Special rate
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%
▲ 0.71% above Mississippi avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.79%▲ 0.71% above avgNationally 2.99%
Details
Balance: $1,000 or more; Early withdrawal penalty applies
Rate History
No change since Oct 4, 2026 · 3.50% APY · checked 2 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%
▲ 0.71% above Mississippi avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.79%▲ 0.71% above avgNationally 2.99%
Details
Balance: $1,000+; $1,000 minimum deposit to open
Rate History
No change since Sep 25, 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%
▲ 0.71% above Mississippi avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.79%▲ 0.71% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
12-Month Certificate
$500
3.50%
▲ 0.71% above Mississippi avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.79%▲ 0.71% above avgNationally 2.99%
Details
Non-premier member; APY | Dividend 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
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
1 Year Certificate
$50,000
3.50%
▲ 0.71% above Mississippi avg
▼
Rate3.50%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.79%▲ 0.71% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 3.50% APY · checked 4 times
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
1 Year Certificate
$10,000
3.45%
▲ 0.66% above Mississippi avg
▼
Rate3.45%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.79%▲ 0.66% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 3.45% APY · checked 4 times
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
Roth IRA - Fixed Rate (12 mo)
$1,000
3.44%
▲ 0.65% above Mississippi avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.79%▲ 0.65% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 6 times
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
1 Year Certificate
$500
3.40%
▲ 0.61% above Mississippi avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.79%▲ 0.61% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 3.40% APY · checked 4 times
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
12 Month Certificate
$1,000
3.29%
▲ 0.50% above Mississippi avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.79%▲ 0.50% above avgNationally 2.99%
Details
Compounded Quarterly
Rate History
No change since Sep 24, 2026 · 3.29% APY · checked 5 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
CD - 12-Month Special Rate
$0
3.25%
▲ 0.46% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.79%▲ 0.46% above avgNationally 2.99%
Details
Balance: $100,000 and above; special rate on select new CD accounts; Balance builds toward Truist One Checking perks
Rate History
No change since Oct 14, 2026 · 3.25% APY
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
12 Month Certificate
$1,000
3.25%
▲ 0.46% above Mississippi avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.79%▲ 0.46% above avgNationally 2.99%
Details
Dividend Posting Period: maturity; Effective as of: 01/21/2026
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 5 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Investment Certificates - 12 Months IRA SC
$0
3.25%
▲ 0.46% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.79%▲ 0.46% above avgNationally 2.99%
Details
IRA
Rate History
No change since Oct 12, 2026 · 3.25% APY
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Investment Certificates - 12 Months SC
$0
3.25%
▲ 0.46% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.79%▲ 0.46% above avgNationally 2.99%
Details
Rate History
No change since Oct 12, 2026 · 3.25% APY
Petal 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1119 Evelyn Gandy Pkwy, Petal, MS 39465 3948
18 Month Jumbo Share & IRA Certificates
$0
3.25%
▲ 0.21% above Mississippi avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average3.04%▲ 0.21% above avgNationally 2.88%
Details
Jumbo certificate; early withdrawal penalties may apply; IRS early withdrawal penalties may apply on IRA withdrawals
Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 2 times
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1119 Evelyn Gandy Pkwy, Petal, MS 39465 3948
18 Month Share & IRA Certificate Accounts
$0
3.25%
▲ 0.21% above Mississippi avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average3.04%▲ 0.21% above avgNationally 2.88%
Details
Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 2 times
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%
▲ 1.41% above Mississippi avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average3.04%▲ 1.41% above avgNationally 2.88%
Details
Minimum deposit: $10,000
Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 3 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$100,000
4.35%
▲ 1.31% above Mississippi avg
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average3.04%▲ 1.31% above avgNationally 2.88%
Details
Rate Effective Date: October 12, 2026
Rate History
1 change since Oct 5, 2026 · 3.75% → 4.35% ▲ 0.60 pts · high 4.35% / low 3.75%
- Oct 13, 20264.35%▲ from 3.75%
- Oct 5, 20263.75%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
IRA Certificate 18 Months
$500
4.33%
▲ 1.29% above Mississippi avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average3.04%▲ 1.29% above avgNationally 2.88%
Details
Dividends Monthly
Rate History
No change since Oct 12, 2026 · 4.33% 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%
▲ 1.29% above Mississippi avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average3.04%▲ 1.29% above avgNationally 2.88%
Details
Compounding: Monthly
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.33% ▲ 0.57 pts · high 4.33% / low 3.76%
- Oct 4, 20264.33%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
18 Month Business Share Certificates
$0
4.33%
▲ 1.29% above Mississippi avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average3.04%▲ 1.29% above avgNationally 2.88%
Details
Certificate special; if term not available at maturity, certificate renews to next highest term; minimum balance required to earn the stated APY; dividends calculated by Daily Balance method
Rate History
1 change since Sep 18, 2026 · 4.18% → 4.33% ▲ 0.15 pts · high 4.33% / low 4.18%
- Oct 4, 20264.33%▲ from 4.18%
- Sep 18, 20264.18%first recorded
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 18 Months
$0
4.33%
▲ 1.29% above Mississippi avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average3.04%▲ 1.29% above avgNationally 2.88%
Details
Certificate special (**): if term is not available at maturity, certificate renews to next highest term; Minimum balance required to earn stated APY: $500
Rate History
1 change since Sep 12, 2026 · 4.18% → 4.33% ▲ 0.15 pts · high 4.33% / low 4.18%
- Sep 25, 20264.33%▲ from 4.18%
- Sep 12, 20264.18%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA Jumbo
$100,000
4.28%
▲ 1.24% above Mississippi avg
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average3.04%▲ 1.24% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 18 Month Jumbo
$100,000
4.28%
▲ 1.24% above Mississippi avg
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average3.04%▲ 1.24% above avgNationally 2.88%
Details
Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Oct 14, 2026 · 4.28% APY
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$500
4.25%
▲ 1.21% above Mississippi avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average3.04%▲ 1.21% above avgNationally 2.88%
Details
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
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA
$1,000
4.23%
▲ 1.19% above Mississippi avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average3.04%▲ 1.19% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 18 Month
$1,000
4.23%
▲ 1.19% above Mississippi avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average3.04%▲ 1.19% above avgNationally 2.88%
Details
Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 8 times
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
Business Certificates of Deposit (CDs) - 18 Months
$0
4.20%
▲ 1.16% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average3.04%▲ 1.16% above avgNationally 2.88%
Details
Penalty: 3 Months
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
- Sep 24, 20264.20%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 1.11% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average3.04%▲ 1.11% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 1.06% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average3.04%▲ 1.06% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Share Certificate - 18 Months
$1,000
4.00%
▲ 0.96% above Mississippi avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average3.04%▲ 0.96% above avgNationally 2.88%
Details
Dividends Compounded & Paid: Quarterly; Penalty will be imposed for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
18 Month Certificate of Deposit
$500
3.95%
▲ 0.91% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average3.04%▲ 0.91% above avgNationally 2.88%
Details
Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 2 times
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Regular Certificates - 18-month
$0
3.90%
▲ 0.86% above Mississippi avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average3.04%▲ 0.86% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 3.90% APY
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
Traditional - Variable Rate (18 month)
$100
3.80%
▲ 0.76% above Mississippi avg
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average3.04%▲ 0.76% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80%
▲ 0.76% above Mississippi avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average3.04%▲ 0.76% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular APY
$0
3.80%
▲ 0.76% above Mississippi avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average3.04%▲ 0.76% above avgNationally 2.88%
Details
Regular APY; Dividend Rate 3.74%
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Rewards APY
$0
3.80%
▲ 0.76% above Mississippi avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average3.04%▲ 0.76% above avgNationally 2.88%
Details
Rewards APY; Dividend Rate 3.74%
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
CD Specials 18-month term
$0
3.80%
▲ 0.76% above Mississippi avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average3.04%▲ 0.76% above avgNationally 2.88%
Details
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.66% above Mississippi avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average3.04%▲ 0.66% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
Traditional 18-Month IRA Certificate - Premier Member
$500
3.50%
▲ 0.46% above Mississippi avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average3.04%▲ 0.46% above avgNationally 2.88%
Details
Premier member rate; APY | Dividend Rate; minimum balance to open an IRA certificate is $500; Traditional & Roth Certificates Rates
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 2 times
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
18 Month Certificate
$50,000
3.35%
▲ 0.31% above Mississippi avg
▼
Rate3.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average3.04%▲ 0.31% above avgNationally 2.88%
Details
Rate History
No change since Sep 30, 2026 · 3.35% APY · checked 4 times
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
18 Month Certificate
$10,000
3.30%
▲ 0.26% above Mississippi avg
▼
Rate3.30%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average3.04%▲ 0.26% above avgNationally 2.88%
Details
Rate History
No change since Sep 30, 2026 · 3.30% APY · checked 4 times
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
Roth IRA - Fixed Rate (18 mo)
$1,000
3.29%
▲ 0.25% above Mississippi avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average3.04%▲ 0.25% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
Roth IRA - Variable Rate (18 mo)
$100
3.29%
▲ 0.25% above Mississippi avg
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average3.04%▲ 0.25% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
18 Month Certificate
$1,000
3.29%
▲ 0.25% above Mississippi avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average3.04%▲ 0.25% above avgNationally 2.88%
Details
Dividend Posting Period: quarterly; Effective as of: 01/21/2026
Rate History
No change since Sep 25, 2026 · 3.29% APY · checked 5 times
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
18 Month IRA Certificate
$1,000
3.29%
▲ 0.25% above Mississippi avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average3.04%▲ 0.25% above avgNationally 2.88%
Details
Dividend Posting Period: quarterly; Effective as of: 01/21/2026
Rate History
No change since Oct 4, 2026 · 3.29% APY · checked 4 times
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
18 Month Roth IRA Certificate
$500
3.29%
▲ 0.25% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average3.04%▲ 0.25% above avgNationally 2.88%
Details
IRA certificate; dividends paid quarterly; early withdrawals subject to penalty; IRA and Roth Certificates
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
18-Month Certificate - Premier Member
$500
3.25%
▲ 0.21% above Mississippi avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average3.04%▲ 0.21% above avgNationally 2.88%
Details
Premier member; APY | Dividend Rate; minimum balance to open a certificate is $500
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 3 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
Traditional 18-Month IRA Certificate
$500
3.25%
▲ 0.21% above Mississippi avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average3.04%▲ 0.21% above avgNationally 2.88%
Details
Non-premier member rate; APY | Dividend Rate; minimum balance to open an IRA certificate is $500; Traditional & Roth Certificates Rates
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.25% ▼ 0.25 pts · high 3.50% / low 3.25%
- Sep 25, 20263.25%▼ from 3.50%
- Sep 14, 20263.50%first recorded
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
18 Month Certificate
$500
3.25%
▲ 0.21% above Mississippi avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average3.04%▲ 0.21% above avgNationally 2.88%
Details
Rate History
No change since Sep 30, 2026 · 3.25% APY · checked 4 times
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Certificates - 18 Months
$500
3.14%
▲ 0.10% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average3.04%▲ 0.10% above avgNationally 2.88%
Details
Quarterly dividends; early withdrawals subject to penalty
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 7 times
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
18 Month Certificate
$1,000
3.03%
▼ 0.01% below Mississippi avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average3.04%▼ 0.01% below avgNationally 2.88%
Details
Compounded Quarterly
Rate History
No change since Sep 24, 2026 · 3.03% APY · checked 5 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
18-Month Business Certificate
$500
3.00%
▼ 0.04% below Mississippi avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average3.04%▼ 0.04% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
18-Month Certificate
$500
3.00%
▼ 0.04% below Mississippi avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average3.04%▼ 0.04% below avgNationally 2.88%
Details
Non-premier member; APY | Dividend 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%
18 Month Certificate Special
$1,000
3.00%
▼ 0.04% below Mississippi avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Mississippi Average3.04%▼ 0.04% below avgNationally 2.88%
Details
Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 11/18/24. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, 8 month and 12 month certificates are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates are subject to a loss of 90 days interest, whether earned or not. IRA CD's are not eligible for certificate specials. All deposits are federally insured up to at least $250,000.00 by the NCUA.
Rate History
No change since Oct 9, 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%
▼ 0.17% below Mississippi avg
▼
Rate2.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average3.04%▼ 0.17% below avgNationally 2.88%
Details
Individual Retirement Accounts
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
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
18 Month Certificate
$500
2.80%
▼ 0.24% below Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average3.04%▼ 0.24% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 7 times
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Share Certificate 18 Months
$0
2.53%
▼ 0.51% below Mississippi avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average3.04%▼ 0.51% below avgNationally 2.88%
Details
Early withdrawal penalties apply; all rates subject to change without notice
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 2 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Investment Certificates - 18 Months SC
$0
2.50%
▼ 0.54% below Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average3.04%▼ 0.54% below avgNationally 2.88%
Details
Rate History
No change since Oct 12, 2026 · 2.50% APY
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
CDs (Certificates) and IRAs - 18 Months
$0
2.50%
▼ 0.54% below Mississippi avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average3.04%▼ 0.54% below avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 2.50% APY
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
Certificates - 18 Month
$1,000
2.35%
▼ 0.69% below Mississippi avg
▼
Rate2.33%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average3.04%▼ 0.69% below avgNationally 2.88%
Details
Rates effective as of 09/18/2025
Rate History
No change since Sep 12, 2026 · 2.35% APY · checked 3 times
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
18 Month Certificate
$500
2.00%
▼ 1.04% below Mississippi avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average3.04%▼ 1.04% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
IRA Certificate 18 Months
$50
2.00%
▼ 1.04% below Mississippi avg
▼
Rate2.00%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average3.04%▼ 1.04% below avgNationally 2.88%
Details
IRA Certificate Rates (with a minimum balance of $1000.00); A penalty may be applied for early withdrawal
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
18 Month Share Certificate
$0
1.87%
▼ 1.17% below Mississippi avg
▼
Rate1.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average3.04%▼ 1.17% below avgNationally 2.88%
Details
Balance: $50,000 minimum
Rate History
No change since Oct 8, 2026 · 1.87% APY · checked 3 times
Petal 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
535 E Central Ave, Petal, MS 39465
24-Month Certificate of Deposit
$0
4.25%
▲ 1.60% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.65%▲ 1.60% above avgNationally 2.89%
Details
Guaranteed rate of return on a Certificate of Deposit
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 3 times
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
202 W Central Ave, Petal, MS 39465 2016
24 Month Certificate Account
$0
2.05%
▼ 0.60% below Mississippi avg
▼
Rate2.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.65%▼ 0.60% below avgNationally 2.89%
Details
Effective as of: Aug 23, 2022; Dividends Paid: Quarterly
Rate History
No change since Sep 21, 2026 · 2.05% APY · checked 6 times
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1119 Evelyn Gandy Pkwy, Petal, MS 39465 3948
2 Year Jumbo Share & IRA Certificates
$0
0.95%
▼ 1.70% below Mississippi avg
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.65%▼ 1.70% below avgNationally 2.89%
Details
Jumbo certificate; early withdrawal penalties may apply; IRS early withdrawal penalties may apply on IRA withdrawals
Rate History
No change since Oct 12, 2026 · 0.95% APY · checked 2 times
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1119 Evelyn Gandy Pkwy, Petal, MS 39465 3948
2 Year Share & IRA Certificate Accounts
$0
0.85%
▼ 1.80% below Mississippi avg
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.65%▼ 1.80% below avgNationally 2.89%
Details
Rate History
No change since Oct 12, 2026 · 0.85% APY · checked 2 times
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
24 Month Share Certificates (CDs) - Jumbo
$1,000
4.82%
▲ 2.17% above Mississippi avg
▼
Rate4.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.65%▲ 2.17% above avgNationally 2.89%
Details
Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.
Rate History
No change since Oct 13, 2026 · 4.82% APY
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
2-Year Regular Certificate or IRA Certificate
$0
4.50%
▲ 1.85% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.65%▲ 1.85% above avgNationally 2.89%
Details
Deposit: $10,000+
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificate
$100,000
4.35%
▲ 1.70% above Mississippi avg
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.65%▲ 1.70% above avgNationally 2.89%
Details
Rate Effective Date: October 12, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
- Oct 13, 20264.35%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
Business Certificates of Deposit (CDs) - 24 Months
$0
4.25%
▲ 1.60% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.65%▲ 1.60% above avgNationally 2.89%
Details
Penalty: 6 Months
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 24, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
2 Year Youth Certificate
$1,000
4.25%
▲ 1.60% above Mississippi avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.65%▲ 1.60% above avgNationally 2.89%
Details
Minimum deposit: $1,000
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 3 times
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
2-Year Regular Certificate or IRA Certificate
$0
4.25%
▲ 1.60% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.65%▲ 1.60% above avgNationally 2.89%
Details
Deposit: $2,000-$9,999
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
24 Month Share Certificate
$0
4.25%
▲ 1.60% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.65%▲ 1.60% above avgNationally 2.89%
Details
Penalty for early withdrawal applies
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
Certificate - 24 Months
$0
4.25%
▲ 1.60% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.65%▲ 1.60% above avgNationally 2.89%
Details
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificate
$500
4.25%
▲ 1.60% above Mississippi avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.65%▲ 1.60% above avgNationally 2.89%
Details
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 IRA Jumbo
$100,000
4.13%
▲ 1.48% above Mississippi avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.65%▲ 1.48% above avgNationally 2.89%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
- Oct 10, 20264.13%▲ from 3.87%
- Sep 14, 20263.87%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 24 Month Jumbo
$100,000
4.13%
▲ 1.48% above Mississippi avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.65%▲ 1.48% above avgNationally 2.89%
Details
Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Oct 14, 2026 · 4.13% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month IRA
$1,000
4.07%
▲ 1.42% above Mississippi avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.65%▲ 1.42% above avgNationally 2.89%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
- Oct 10, 20264.07%▲ from 3.82%
- Sep 14, 20263.82%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 24 Month
$1,000
4.07%
▲ 1.42% above Mississippi avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.65%▲ 1.42% above avgNationally 2.89%
Details
Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
- Oct 10, 20264.07%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
24 Month Certificate of Deposit
$500
3.85%
▲ 1.20% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.65%▲ 1.20% above avgNationally 2.89%
Details
Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 2 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
IRA Certificate 24 Months
$500
3.82%
▲ 1.17% above Mississippi avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.65%▲ 1.17% above avgNationally 2.89%
Details
Dividends Monthly/Quarterly; Quarterly APY: 3.80%
Rate History
No change since Oct 12, 2026 · 3.82% APY · checked 2 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 24 Months
$500
3.82%
▲ 1.17% above Mississippi avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.65%▲ 1.17% above avgNationally 2.89%
Details
Compounding: Monthly/Quarterly; Quarterly APY: 3.80%
Rate History
2 changes since Sep 14, 2026 · 3.70% → 3.82% ▲ 0.12 pts · high 3.82% / low 3.70%
- Oct 4, 20263.82%▲ from 3.77%
- Sep 25, 20263.77%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70%
▲ 1.05% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.65%▲ 1.05% above avgNationally 2.89%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.70% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.66%
▲ 1.01% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.65%▲ 1.01% above avgNationally 2.89%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.66% APY
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Regular Certificates - 24-month
$0
3.65%
▲ 1.00% above Mississippi avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.65%▲ 1.00% above avgNationally 2.89%
Details
Rate History
No change since Oct 13, 2026 · 3.65% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month ESA EasyStart Certificate
$50
3.60%
▲ 0.95% above Mississippi avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.65%▲ 0.95% above avgNationally 2.89%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
24 Month Certificate
$1,000
3.55%
▲ 0.90% above Mississippi avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.65%▲ 0.90% above avgNationally 2.89%
Details
Dividend Posting Period: quarterly; Effective as of: 01/21/2026
Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 5 times
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
24 Month IRA Certificate
$1,000
3.55%
▲ 0.90% above Mississippi avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.65%▲ 0.90% above avgNationally 2.89%
Details
Dividend Posting Period: quarterly; Effective as of: 01/21/2026
Rate History
No change since Oct 4, 2026 · 3.55% APY · checked 4 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
Traditional 24-Month IRA Certificate - Premier Member
$500
3.50%
▲ 0.85% above Mississippi avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.65%▲ 0.85% above avgNationally 2.89%
Details
Premier member rate; APY | Dividend Rate; minimum balance to open an IRA certificate is $500; Traditional & Roth Certificates Rates
Rate History
No change since Oct 12, 2026 · 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%
▲ 0.79% above Mississippi avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.65%▲ 0.79% above avgNationally 2.89%
Details
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 6 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
24-Month Certificate - Premier Member
$500
3.25%
▲ 0.60% above Mississippi avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.65%▲ 0.60% above avgNationally 2.89%
Details
Premier member; APY | Dividend Rate; minimum balance to open a certificate is $500
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 3 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
Traditional 24-Month IRA Certificate
$500
3.25%
▲ 0.60% above Mississippi avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.65%▲ 0.60% above avgNationally 2.89%
Details
Non-premier member rate; APY | Dividend Rate; minimum balance to open an IRA certificate is $500; Traditional & Roth Certificates Rates
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.25% ▼ 0.25 pts · high 3.50% / low 3.25%
- Sep 25, 20263.25%▼ from 3.50%
- Sep 14, 20263.50%first recorded
Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Share Certificate - 24 Months
$1,000
3.25%
▲ 0.60% above Mississippi avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.65%▲ 0.60% above avgNationally 2.89%
Details
Dividends Compounded & Paid: Quarterly; Penalty will be imposed for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
2 Year Certificate
$50,000
3.10%
▲ 0.45% above Mississippi avg
▼
Rate3.10%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.65%▲ 0.45% above avgNationally 2.89%
Details
Rate History
No change since Sep 30, 2026 · 3.10% APY · checked 4 times
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Certificates - 24 Months
$500
3.08%
▲ 0.43% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.65%▲ 0.43% above avgNationally 2.89%
Details
Quarterly dividends; early withdrawals subject to penalty
Rate History
No change since Sep 14, 2026 · 3.08% APY · checked 7 times
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
2 Year Certificate
$10,000
3.05%
▲ 0.40% above Mississippi avg
▼
Rate3.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.65%▲ 0.40% above avgNationally 2.89%
Details
Rate History
No change since Sep 30, 2026 · 3.05% APY · checked 4 times
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
24 Month Business Share Certificates
$0
3.04%
▲ 0.39% above Mississippi avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.65%▲ 0.39% above avgNationally 2.89%
Details
Minimum balance required to earn the stated APY; dividends calculated by Daily Balance method
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 24 Months
$0
3.04%
▲ 0.39% above Mississippi avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.65%▲ 0.39% above avgNationally 2.89%
Details
Minimum balance required to earn stated APY: $500
Rate History
No change since Sep 12, 2026 · 3.04% APY · checked 8 times
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
24 Month Certificate
$1,000
3.03%
▲ 0.38% above Mississippi avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.65%▲ 0.38% above avgNationally 2.89%
Details
Compounded Quarterly
Rate History
No change since Sep 24, 2026 · 3.03% APY · checked 5 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
24-Month Business Certificate
$500
3.00%
▲ 0.35% above Mississippi avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.65%▲ 0.35% above avgNationally 2.89%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
24-Month Certificate
$500
3.00%
▲ 0.35% above Mississippi avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.65%▲ 0.35% above avgNationally 2.89%
Details
Non-premier member; APY | Dividend 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
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
2 Year Certificate
$500
3.00%
▲ 0.35% above Mississippi avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.65%▲ 0.35% above avgNationally 2.89%
Details
Rate History
No change since Sep 30, 2026 · 3.00% APY · checked 4 times
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
2 Year Certificate
$500
2.90%
▲ 0.25% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.65%▲ 0.25% above avgNationally 2.89%
Details
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 7 times
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
24 Month Share Certificates (CDs)
$1,000
2.87%
▲ 0.22% above Mississippi avg
▼
Rate2.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.65%▲ 0.22% above avgNationally 2.89%
Details
Early withdrawal penalties apply to all certificate and IRA accounts.
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%
▲ 0.10% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.65%▲ 0.10% above avgNationally 2.89%
Details
IRA
Rate History
No change since Oct 12, 2026 · 2.75% APY
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Investment Certificates - 24 Months SC
$0
2.75%
▲ 0.10% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.65%▲ 0.10% above avgNationally 2.89%
Details
Rate History
No change since Oct 12, 2026 · 2.75% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
24 Month Standard CDs - Rewards
$0
2.60%
▼ 0.05% below Mississippi avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.65%▼ 0.05% below avgNationally 2.89%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.60% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
24 Month Standard IRA CDs
$0
2.60%
▼ 0.05% below Mississippi avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.65%▼ 0.05% below avgNationally 2.89%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.60% APY
Citizens Bank & Trust Co. MS
Institution Rating:
D3.4 ★Texas Ratio: 33.79%
24 Month CD
$1,000
2.53%
▼ 0.12% below Mississippi avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.65%▼ 0.12% below avgNationally 2.89%
Details
Rate History
No change since Sep 14, 2026 · 2.53% 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%
▼ 0.12% below Mississippi avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.65%▼ 0.12% below avgNationally 2.89%
Details
Early withdrawal penalties apply; all rates subject to change without notice
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 2 times
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
IRA Certificate 24 Months
$50
2.35%
▼ 0.30% below Mississippi avg
▼
Rate2.35%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.65%▼ 0.30% below avgNationally 2.89%
Details
IRA Certificate Rates (with a minimum balance of $1000.00); A penalty may be applied for early withdrawal
Rate History
No change since Sep 14, 2026 · 2.35% APY · checked 7 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
24 Month Standard CDs - Regular
$0
2.34%
▼ 0.31% below Mississippi avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.65%▼ 0.31% below avgNationally 2.89%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.34% APY
Petal 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
202 W Central Ave, Petal, MS 39465 2016
36 Month Certificate Account
$0
2.40%
▼ 0.13% below Mississippi avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.53%▼ 0.13% below avgNationally 2.81%
Details
Effective as of: Aug 23, 2022; Dividends Paid: Quarterly
Rate History
No change since Sep 21, 2026 · 2.40% APY · checked 6 times
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1119 Evelyn Gandy Pkwy, Petal, MS 39465 3948
3 Year Jumbo Share & IRA Certificates
$0
0.90%
▼ 1.63% below Mississippi avg
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.53%▼ 1.63% below avgNationally 2.81%
Details
Jumbo certificate; early withdrawal penalties may apply; IRS early withdrawal penalties may apply on IRA withdrawals
Rate History
No change since Oct 12, 2026 · 0.90% APY · checked 2 times
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1119 Evelyn Gandy Pkwy, Petal, MS 39465 3948
3 Year Share & IRA Certificate Accounts
$0
0.80%
▼ 1.73% below Mississippi avg
▼
Rate0.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.53%▼ 1.73% below avgNationally 2.81%
Details
Rate History
No change since Oct 12, 2026 · 0.80% APY · checked 2 times
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
36 Month Share Certificates (CDs) - Jumbo
$1,000
4.93%
▲ 2.40% above Mississippi avg
▼
Rate4.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.53%▲ 2.40% above avgNationally 2.81%
Details
Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.
Rate History
No change since Oct 13, 2026 · 4.93% APY
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$100,000
4.40%
▲ 1.87% above Mississippi avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.53%▲ 1.87% above avgNationally 2.81%
Details
Rate Effective Date: October 12, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
- Oct 13, 20264.40%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$500
4.30%
▲ 1.77% above Mississippi avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.53%▲ 1.77% above avgNationally 2.81%
Details
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%
Business Certificates of Deposit (CDs) - 36 Months
$0
4.25%
▲ 1.72% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.53%▲ 1.72% above avgNationally 2.81%
Details
Penalty: 9 Months
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 24, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
3-Year Regular Certificate or IRA Certificate
$0
4.25%
▲ 1.72% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.53%▲ 1.72% above avgNationally 2.81%
Details
Deposit: $10,000+
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.62% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.53%▲ 1.62% above avgNationally 2.81%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month IRA Jumbo
$100,000
4.13%
▲ 1.60% above Mississippi avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.53%▲ 1.60% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
- Oct 10, 20264.13%▲ from 3.87%
- Sep 14, 20263.87%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 36 Month Jumbo
$100,000
4.13%
▲ 1.60% above Mississippi avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.53%▲ 1.60% above avgNationally 2.81%
Details
Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Oct 14, 2026 · 4.13% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.57% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.53%▲ 1.57% above avgNationally 2.81%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month IRA
$1,000
4.07%
▲ 1.54% above Mississippi avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.53%▲ 1.54% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
- Oct 10, 20264.07%▲ from 3.82%
- Sep 14, 20263.82%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 36 Month
$1,000
4.07%
▲ 1.54% above Mississippi avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.53%▲ 1.54% above avgNationally 2.81%
Details
Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
- Oct 10, 20264.07%▲ from 3.82%
- Sep 14, 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
$0
4.00%
▲ 1.47% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.53%▲ 1.47% above avgNationally 2.81%
Details
Deposit: $2,000-$9,999
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
IRA Certificate 36 Months
$500
3.82%
▲ 1.29% above Mississippi avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.53%▲ 1.29% above avgNationally 2.81%
Details
Dividends Monthly/Quarterly; Quarterly APY: 3.80%
Rate History
No change since Oct 12, 2026 · 3.82% APY · checked 2 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 36 Months
$500
3.82%
▲ 1.29% above Mississippi avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.53%▲ 1.29% above avgNationally 2.81%
Details
Compounding: Monthly/Quarterly; Quarterly APY: 3.80%
Rate History
2 changes since Sep 14, 2026 · 3.45% → 3.82% ▲ 0.37 pts · high 3.82% / low 3.45%
- Oct 4, 20263.82%▲ from 3.51%
- Sep 25, 20263.51%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
36 Month Certificate of Deposit
$500
3.75%
▲ 1.22% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.53%▲ 1.22% above avgNationally 2.81%
Details
Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Regular Certificates - 36-month
$0
3.65%
▲ 1.12% above Mississippi avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.53%▲ 1.12% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 3.65% APY
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
36 Month Roth IRA Certificate
$500
3.34%
▲ 0.81% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.53%▲ 0.81% above avgNationally 2.81%
Details
IRA certificate; dividends paid quarterly; early withdrawals subject to penalty; IRA and Roth Certificates
Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 7 times
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
36 Month Special Share Certificate
$500
3.30%
▲ 0.77% above Mississippi avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.53%▲ 0.77% above avgNationally 2.81%
Details
Limited time offer: effective 10/03/2025
Rate History
No change since Oct 15, 2026 · 3.30% APY
Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Share Certificate - 36 Month
$1,000
3.25%
▲ 0.72% above Mississippi avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.53%▲ 0.72% above avgNationally 2.81%
Details
Dividends Compounded & Paid: Quarterly; Penalty will be imposed for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Certificates - 36 Months
$500
3.19%
▲ 0.66% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.53%▲ 0.66% above avgNationally 2.81%
Details
Quarterly dividends; early withdrawals subject to penalty
Rate History
No change since Sep 14, 2026 · 3.19% APY · checked 7 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
36-Month Certificate - Premier Member
$500
3.00%
▲ 0.47% above Mississippi avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.53%▲ 0.47% above avgNationally 2.81%
Details
Premier member; APY | Dividend Rate; minimum balance to open a certificate is $500
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 3 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
Traditional 36-Month IRA Certificate - Premier Member
$500
3.00%
▲ 0.47% above Mississippi avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.53%▲ 0.47% above avgNationally 2.81%
Details
Premier member rate; APY | Dividend Rate; minimum balance to open an IRA certificate is $500; Traditional & Roth Certificates Rates
Rate History
No change since Oct 12, 2026 · 3.00% APY · checked 2 times
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
3 Year Certificate
$500
3.00%
▲ 0.47% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.53%▲ 0.47% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
36 Month Share Certificates (CDs)
$1,000
2.93%
▲ 0.40% above Mississippi avg
▼
Rate2.87%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.53%▲ 0.40% above avgNationally 2.81%
Details
Early withdrawal penalties apply to all certificate and IRA accounts.
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
Citizens Bank & Trust Co. MS
Institution Rating:
D3.4 ★Texas Ratio: 33.79%
36 Month CD
$1,000
2.79%
▲ 0.26% above Mississippi avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.53%▲ 0.26% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 7 times
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
36 Month Business Share Certificates
$0
2.78%
▲ 0.25% above Mississippi avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.53%▲ 0.25% above avgNationally 2.81%
Details
Minimum balance required to earn the stated APY; dividends calculated by Daily Balance method
Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 4 times
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 36 Months
$0
2.78%
▲ 0.25% above Mississippi avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.53%▲ 0.25% above avgNationally 2.81%
Details
Minimum balance required to earn stated APY: $500
Rate History
No change since Sep 12, 2026 · 2.78% APY · checked 8 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
36-Month Business Certificate
$500
2.75%
▲ 0.22% above Mississippi avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.53%▲ 0.22% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
36-Month Certificate
$500
2.75%
▲ 0.22% above Mississippi avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.53%▲ 0.22% above avgNationally 2.81%
Details
Non-premier member; APY | Dividend 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%
Traditional 36-Month IRA Certificate
$500
2.75%
▲ 0.22% above Mississippi avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.53%▲ 0.22% above avgNationally 2.81%
Details
Non-premier member rate; APY | Dividend Rate; minimum balance to open an IRA certificate is $500; Traditional & Roth Certificates Rates
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
- Sep 25, 20262.75%▼ from 3.00%
- Sep 14, 20263.00%first recorded
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
3 Year Certificate
$500
2.75%
▲ 0.22% above Mississippi avg
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.53%▲ 0.22% above avgNationally 2.81%
Details
Rate History
No change since Sep 30, 2026 · 2.75% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
36 Month Standard CDs - Rewards
$0
2.75%
▲ 0.22% above Mississippi avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.53%▲ 0.22% above avgNationally 2.81%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.75% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
36 Month Standard IRA CDs
$0
2.75%
▲ 0.22% above Mississippi avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.53%▲ 0.22% above avgNationally 2.81%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.75% APY
HealthPlus Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.07%
36 Month Certificate of Deposit
$1,000
2.69%
▲ 0.16% above Mississippi avg
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.53%▲ 0.16% above avgNationally 2.81%
Details
Effective Date 9/01/2026; Footnote (2); Minimum Balance to Avoid Fees: n/a; Dividends compounded and credited quarterly; Dividends period: quarterly
Rate History
No change since Oct 4, 2026 · 2.69% APY · checked 4 times
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
36 Month Share Certificate
$0
2.69%
▲ 0.16% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.53%▲ 0.16% above avgNationally 2.81%
Details
Penalty for early withdrawal applies
Rate History
No change since Sep 14, 2026 · 2.69% APY · checked 8 times
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
Certificate - 36 Months
$0
2.69%
▲ 0.16% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.53%▲ 0.16% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.69% APY · checked 8 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Investment Certificates - 36 Months IRA SC
$0
2.50%
▼ 0.03% below Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.53%▼ 0.03% below avgNationally 2.81%
Details
IRA
Rate History
No change since Oct 12, 2026 · 2.50% APY
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Investment Certificates - 36 Months SC
$0
2.50%
▼ 0.03% below Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.53%▼ 0.03% below avgNationally 2.81%
Details
Rate History
No change since Oct 12, 2026 · 2.50% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
36 Month Standard CDs - Regular
$0
2.49%
▼ 0.04% below Mississippi avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.53%▼ 0.04% below avgNationally 2.81%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.49% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
36 Month Standard IRA CDs
$0
2.49%
▼ 0.04% below Mississippi avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.53%▼ 0.04% below avgNationally 2.81%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.49% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard CD - 36-month term
$0
2.49%
▼ 0.04% below Mississippi avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.53%▼ 0.04% below avgNationally 2.81%
Details
Regular APY
Rate History
1 change since Sep 14, 2026 · 2.75% → 2.49% ▼ 0.26 pts · high 2.75% / low 2.49%
- Oct 14, 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%
▼ 0.13% below Mississippi avg
▼
Rate2.40%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.53%▼ 0.13% below avgNationally 2.81%
Details
IRA Certificate Rates (with a minimum balance of $1000.00); A penalty may be applied for early withdrawal
Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 7 times
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.43%
Share Certificate - 36 Months
$0
2.27%
▼ 0.26% below Mississippi avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.53%▼ 0.26% below avgNationally 2.81%
Details
Compounding Freq.: Quarterly
Rate History
No change since Oct 5, 2026 · 2.27% APY · checked 3 times
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Share Certificate 3 Years
$0
2.27%
▼ 0.26% below Mississippi avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.53%▼ 0.26% below avgNationally 2.81%
Details
Early withdrawal penalties apply; all rates subject to change without notice
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 2 times
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
Certificates - 36 Month
$1,000
2.10%
▼ 0.43% below Mississippi avg
▼
Rate2.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.53%▼ 0.43% below avgNationally 2.81%
Details
Rates effective as of 09/18/2025
Rate History
No change since Sep 12, 2026 · 2.10% APY · checked 3 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
36 Month Share Certificate
$0
2.00%
▼ 0.53% below Mississippi avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.53%▼ 0.53% below avgNationally 2.81%
Details
Balance: $50,000 minimum
Rate History
No change since Oct 8, 2026 · 2.00% APY · checked 3 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
CDs (Certificates) and IRAs - 36 Months
$0
2.00%
▼ 0.53% below Mississippi avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.53%▼ 0.53% below avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 2.00% APY
Petal 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
202 W Central Ave, Petal, MS 39465 2016
48 Month Certificate Account
$0
2.55%
▲ 0.23% above Mississippi avg
▼
Rate2.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.32%▲ 0.23% above avgNationally 2.80%
Details
Effective as of: Aug 23, 2022; Dividends Paid: Quarterly
Rate History
No change since Sep 21, 2026 · 2.55% APY · checked 6 times
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1119 Evelyn Gandy Pkwy, Petal, MS 39465 3948
4 Year Jumbo Share & IRA Certificates
$0
1.20%
▼ 1.12% below Mississippi avg
▼
Rate1.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.32%▼ 1.12% below avgNationally 2.80%
Details
Jumbo certificate; early withdrawal penalties may apply; IRS early withdrawal penalties may apply on IRA withdrawals
Rate History
No change since Oct 12, 2026 · 1.20% APY · checked 2 times
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1119 Evelyn Gandy Pkwy, Petal, MS 39465 3948
4 Year Share & IRA Certificate Accounts
$0
1.10%
▼ 1.22% below Mississippi avg
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.32%▼ 1.22% below avgNationally 2.80%
Details
Rate History
No change since Oct 12, 2026 · 1.10% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$100,000
4.40%
▲ 2.08% above Mississippi avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.32%▲ 2.08% above avgNationally 2.80%
Details
Rate Effective Date: October 12, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
- Oct 13, 20264.40%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
Business Certificates of Deposit (CDs) - 48 Months
$0
4.35%
▲ 2.03% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.32%▲ 2.03% above avgNationally 2.80%
Details
Penalty: 12 Months
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Sep 24, 20264.35%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$500
4.30%
▲ 1.98% above Mississippi avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.32%▲ 1.98% above avgNationally 2.80%
Details
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 IRA Jumbo
$100,000
4.13%
▲ 1.81% above Mississippi avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.32%▲ 1.81% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
- Oct 10, 20264.13%▲ from 3.92%
- Sep 14, 20263.92%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 48 Month Jumbo
$100,000
4.13%
▲ 1.81% above Mississippi avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.32%▲ 1.81% above avgNationally 2.80%
Details
Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Oct 14, 2026 · 4.13% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA
$1,000
4.07%
▲ 1.75% above Mississippi avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.32%▲ 1.75% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
- Oct 10, 20264.07%▲ from 3.87%
- Sep 14, 20263.87%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 48 Month
$1,000
4.07%
▲ 1.75% above Mississippi avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.32%▲ 1.75% above avgNationally 2.80%
Details
Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
- Oct 10, 20264.07%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
48 Month Certificate of Deposit
$500
3.85%
▲ 1.53% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.32%▲ 1.53% above avgNationally 2.80%
Details
Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; 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 13, 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%
IRA Certificate 48 Months
$500
3.82%
▲ 1.50% above Mississippi avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.32%▲ 1.50% above avgNationally 2.80%
Details
Dividends Monthly/Quarterly; Quarterly APY: 3.80%
Rate History
No change since Oct 12, 2026 · 3.82% APY · checked 2 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 48 Months
$500
3.82%
▲ 1.50% above Mississippi avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.32%▲ 1.50% above avgNationally 2.80%
Details
Compounding: Monthly/Quarterly; Quarterly APY: 3.80%
Rate History
2 changes since Sep 14, 2026 · 3.45% → 3.82% ▲ 0.37 pts · high 3.82% / low 3.45%
- Oct 4, 20263.82%▲ from 3.51%
- Sep 25, 20263.51%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
4 Year Certificate
$500
3.25%
▲ 0.93% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.32%▲ 0.93% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
48-Month Certificate - Premier Member
$500
3.00%
▲ 0.68% above Mississippi avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.32%▲ 0.68% above avgNationally 2.80%
Details
Premier member; APY | Dividend Rate; minimum balance to open a certificate is $500
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 3 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
Traditional 48-Month IRA Certificate - Premier Member
$500
3.00%
▲ 0.68% above Mississippi avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.32%▲ 0.68% above avgNationally 2.80%
Details
Premier member rate; APY | Dividend Rate; minimum balance to open an IRA certificate is $500; Traditional & Roth Certificates Rates
Rate History
No change since Oct 12, 2026 · 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%
▲ 0.58% above Mississippi avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.32%▲ 0.58% above avgNationally 2.80%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.90% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
48 Month Standard IRA CDs
$0
2.90%
▲ 0.58% above Mississippi avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.32%▲ 0.58% above avgNationally 2.80%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.90% APY
Citizens Bank & Trust Co. MS
Institution Rating:
D3.4 ★Texas Ratio: 33.79%
48 Month CD
$1,000
2.79%
▲ 0.47% above Mississippi avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.32%▲ 0.47% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 7 times
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
48 Month Certificate
$1,000
2.78%
▲ 0.46% above Mississippi avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.32%▲ 0.46% above avgNationally 2.80%
Details
Compounded Quarterly
Rate History
No change since Sep 24, 2026 · 2.78% APY · checked 5 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
48-Month Business Certificate
$500
2.75%
▲ 0.43% above Mississippi avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.32%▲ 0.43% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
48-Month Certificate
$500
2.75%
▲ 0.43% above Mississippi avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.32%▲ 0.43% above avgNationally 2.80%
Details
Non-premier member; APY | Dividend 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%
Traditional 48-Month IRA Certificate
$500
2.75%
▲ 0.43% above Mississippi avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.32%▲ 0.43% above avgNationally 2.80%
Details
Non-premier member rate; APY | Dividend Rate; minimum balance to open an IRA certificate is $500; Traditional & Roth Certificates Rates
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
- Sep 25, 20262.75%▼ from 3.00%
- Sep 14, 20263.00%first recorded
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
4 Year Certificate
$500
2.75%
▲ 0.43% above Mississippi avg
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.32%▲ 0.43% above avgNationally 2.80%
Details
Rate History
No change since Sep 30, 2026 · 2.75% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
48 Month Standard CDs - Regular
$0
2.64%
▲ 0.32% above Mississippi avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.32%▲ 0.32% above avgNationally 2.80%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.64% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
48 Month Standard IRA CDs
$0
2.64%
▲ 0.32% above Mississippi avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.32%▲ 0.32% above avgNationally 2.80%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.64% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard CD - 48-month term
$0
2.64%
▲ 0.32% above Mississippi avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.32%▲ 0.32% above avgNationally 2.80%
Details
Regular APY
Rate History
1 change since Sep 14, 2026 · 2.90% → 2.64% ▼ 0.26 pts · high 2.90% / low 2.64%
- Oct 14, 20262.64%▼ from 2.90%
- Sep 14, 20262.90%first recorded
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
48 Month Business Share Certificates
$0
2.58%
▲ 0.26% above Mississippi avg
▼
Rate2.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.32%▲ 0.26% above avgNationally 2.80%
Details
Minimum balance required to earn the stated APY; dividends calculated by Daily Balance method
Rate History
No change since Sep 18, 2026 · 2.58% APY · checked 4 times
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 48 Months
$0
2.58%
▲ 0.26% above Mississippi avg
▼
Rate2.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.32%▲ 0.26% above avgNationally 2.80%
Details
Minimum balance required to earn stated APY: $500
Rate History
No change since Sep 12, 2026 · 2.58% APY · checked 8 times
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
IRA Certificate 48 Months
$50
2.45%
▲ 0.13% above Mississippi avg
▼
Rate2.45%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.32%▲ 0.13% above avgNationally 2.80%
Details
IRA Certificate Rates (with a minimum balance of $1000.00); A penalty may be applied for early withdrawal
Rate History
No change since Sep 14, 2026 · 2.45% APY · checked 7 times
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.43%
Share Certificate - 48 Months
$0
2.37%
▲ 0.05% above Mississippi avg
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.32%▲ 0.05% above avgNationally 2.80%
Details
Compounding Freq.: Quarterly
Rate History
No change since Oct 5, 2026 · 2.37% 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%
▼ 0.05% below Mississippi avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.32%▼ 0.05% below avgNationally 2.80%
Details
Early withdrawal penalties apply; all rates subject to change without notice
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 2 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Investment Certificates - 48 Months IRA SC
$0
2.25%
▼ 0.07% below Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.32%▼ 0.07% below avgNationally 2.80%
Details
IRA
Rate History
No change since Oct 12, 2026 · 2.25% APY
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Investment Certificates - 48 Months SC
$0
2.25%
▼ 0.07% below Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.32%▼ 0.07% below avgNationally 2.80%
Details
Rate History
No change since Oct 12, 2026 · 2.25% APY
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
Certificates - 48 Month
$1,000
2.10%
▼ 0.22% below Mississippi avg
▼
Rate2.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.32%▼ 0.22% below avgNationally 2.80%
Details
Rates effective as of 09/18/2025
Rate History
No change since Sep 12, 2026 · 2.10% APY · checked 3 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
48 Month Share Certificate
$0
2.10%
▼ 0.22% below Mississippi avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.32%▼ 0.22% below avgNationally 2.80%
Details
Balance: $50,000 minimum
Rate History
No change since Oct 8, 2026 · 2.10% APY · checked 3 times
Southern Coastal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
48 Month Share Certificate
$0
2.02%
▼ 0.30% below Mississippi avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Mississippi Average2.32%▼ 0.30% below avgNationally 2.80%
Details
Rate History
No change since Oct 9, 2026 · 2.02% APY · checked 3 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
CDs (Certificates) and IRAs - 48 Months
$0
2.02%
▼ 0.30% below Mississippi avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.32%▼ 0.30% below avgNationally 2.80%
Details
Rate History
No change since Oct 14, 2026 · 2.02% APY
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
48 Month Share Certificate
$0
2.00%
▼ 0.32% below Mississippi avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.32%▼ 0.32% below avgNationally 2.80%
Details
Balance: $500 minimum
Rate History
No change since Oct 8, 2026 · 2.00% APY · checked 3 times
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
48 Month Certificate of Deposit
$0
1.75%
▼ 0.57% below Mississippi avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.32%▼ 0.57% below avgNationally 2.80%
Details
Certificate of Deposit Rates (with a minimum balance of $1000.00); A penalty may be applied for early withdrawal
Rate History
No change since Sep 24, 2026 · 1.75% APY · checked 6 times
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
4 Year Share Certificate
$500
1.71%
▼ 0.61% below Mississippi avg
▼
Rate1.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.32%▼ 0.61% below avgNationally 2.80%
Details
Rate History
No change since Sep 20, 2026 · 1.71% APY · checked 6 times
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
4 Year CD
$0
1.50%
▼ 0.82% below Mississippi avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.32%▼ 0.82% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
MEMBERS EXCHANGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Share & IRA Certificate - 48 Months
$1,000
1.30%
▼ 1.02% below Mississippi avg
▼
Rate1.29%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.32%▼ 1.02% below avgNationally 2.80%
Details
Rate Type: Fixed
Rate History
No change since Sep 30, 2026 · 1.30% APY · checked 5 times
NAVIGATOR
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Jumbo IRA Certificates - 48 Month
$0
1.30%
▼ 1.02% below Mississippi avg
▼
Rate1.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.32%▼ 1.02% below avgNationally 2.80%
Details
Balance: $100,000.00 & Over
Rate History
No change since Sep 30, 2026 · 1.30% APY · checked 3 times
NAVIGATOR
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
IRA Certificate 48 Month
$0
1.25%
▼ 1.07% below Mississippi avg
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.32%▼ 1.07% below avgNationally 2.80%
Details
Balance: $25,000.01 - $99,999.99
Rate History
No change since Sep 30, 2026 · 1.25% APY · checked 4 times
NAVIGATOR
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
48 Month Jumbo Share Certificates
$0
1.20%
▼ 1.12% below Mississippi avg
▼
Rate1.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.32%▼ 1.12% below avgNationally 2.80%
Details
$100,000.00; Balance: $100,000.00 and over
Rate History
No change since Oct 14, 2026 · 1.20% APY
NAVIGATOR
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
IRA Certificates or Less - 48 Month
$0
1.20%
▼ 1.12% below Mississippi avg
▼
Rate1.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.32%▼ 1.12% below avgNationally 2.80%
Details
Rate History
No change since Sep 30, 2026 · 1.20% APY · checked 4 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
Certificate of Deposit 4 Year
$500
1.15%
▼ 1.17% below Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.32%▼ 1.17% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
IRA 4 Year
$500
1.15%
▼ 1.17% below Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.32%▼ 1.17% below avgNationally 2.80%
Details
Rate History
No change since Oct 14, 2026 · 1.15% APY
NAVIGATOR
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Share Certificates - 48 Month
$0
1.15%
▼ 1.17% below Mississippi avg
▼
Rate1.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.32%▼ 1.17% below avgNationally 2.80%
Details
Balance: $25,000.01 - $99,999.99
Rate History
No change since Sep 30, 2026 · 1.15% APY · checked 3 times
Petal 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
202 W Central Ave, Petal, MS 39465 2016
60 Month Certificate Account
$0
2.55%
▼ 0.19% below Mississippi avg
▼
Rate2.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.74%▼ 0.19% below avgNationally 2.92%
Details
Effective as of: Aug 23, 2022; Dividends Paid: Quarterly
Rate History
No change since Sep 21, 2026 · 2.55% APY · checked 6 times
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1119 Evelyn Gandy Pkwy, Petal, MS 39465 3948
5 Year Jumbo Share & IRA Certificates
$0
1.45%
▼ 1.29% below Mississippi avg
▼
Rate1.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.74%▼ 1.29% below avgNationally 2.92%
Details
Jumbo certificate; early withdrawal penalties may apply; IRS early withdrawal penalties may apply on IRA withdrawals
Rate History
No change since Oct 12, 2026 · 1.45% APY · checked 2 times
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1119 Evelyn Gandy Pkwy, Petal, MS 39465 3948
5 Year Share & IRA Certificate Accounts
$0
1.35%
▼ 1.39% below Mississippi avg
▼
Rate1.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.74%▼ 1.39% below avgNationally 2.92%
Details
Rate History
No change since Oct 12, 2026 · 1.35% APY · checked 2 times
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
60 Month Share Certificates (CDs) - Jumbo
$1,000
4.95%
▲ 2.21% above Mississippi avg
▼
Rate4.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.74%▲ 2.21% above avgNationally 2.92%
Details
Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.
Rate History
No change since Oct 13, 2026 · 4.95% APY
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
Business Certificates of Deposit (CDs) - 60 Months
$0
4.50%
▲ 1.76% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.74%▲ 1.76% above avgNationally 2.92%
Details
Penalty: 12 Months
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
- Sep 24, 20264.50%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Share Certificate
$100,000
4.40%
▲ 1.66% above Mississippi avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.74%▲ 1.66% above avgNationally 2.92%
Details
Rate Effective Date: October 12, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
- Oct 13, 20264.40%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Share Certificate
$500
4.30%
▲ 1.56% above Mississippi avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.74%▲ 1.56% above avgNationally 2.92%
Details
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 Jumbo
$100,000
4.28%
▲ 1.54% above Mississippi avg
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.74%▲ 1.54% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 60 Month Jumbo
$100,000
4.28%
▲ 1.54% above Mississippi avg
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.74%▲ 1.54% above avgNationally 2.92%
Details
Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Oct 14, 2026 · 4.28% APY
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
5-Year Regular Certificate or IRA Certificate
$0
4.25%
▲ 1.51% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.74%▲ 1.51% above avgNationally 2.92%
Details
Deposit: $10,000+
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month IRA
$1,000
4.23%
▲ 1.49% above Mississippi avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.74%▲ 1.49% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 60 Month
$1,000
4.23%
▲ 1.49% above Mississippi avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.74%▲ 1.49% above avgNationally 2.92%
Details
Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 8 times
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
60 Month Certificate
$1,000
4.06%
▲ 1.32% above Mississippi avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.74%▲ 1.32% 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 5 times
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
60 Month IRA Certificate
$1,000
4.06%
▲ 1.32% above Mississippi avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.74%▲ 1.32% 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 4 times
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
5-Year Regular Certificate or IRA Certificate
$0
4.00%
▲ 1.26% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.74%▲ 1.26% above avgNationally 2.92%
Details
Deposit: $2,000-$9,999
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.90%
▲ 1.16% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.74%▲ 1.16% above avgNationally 2.92%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.85%
▲ 1.11% above Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.74%▲ 1.11% above avgNationally 2.92%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
60 Month Certificate of Deposit
$500
3.85%
▲ 1.11% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.74%▲ 1.11% above avgNationally 2.92%
Details
Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; 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 13, 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%
IRA Certificate 60 Months
$500
3.82%
▲ 1.08% above Mississippi avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.74%▲ 1.08% above avgNationally 2.92%
Details
Dividends Monthly/Quarterly; Quarterly APY: 3.80%
Rate History
No change since Oct 12, 2026 · 3.82% 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%
▲ 1.08% above Mississippi avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.74%▲ 1.08% above avgNationally 2.92%
Details
Compounding: Monthly/Quarterly; Quarterly APY: 3.80%
Rate History
2 changes since Sep 14, 2026 · 3.45% → 3.82% ▲ 0.37 pts · high 3.82% / low 3.45%
- Oct 4, 20263.82%▲ from 3.51%
- Sep 25, 20263.51%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Regular Certificates - 60-month
$0
3.65%
▲ 0.91% above Mississippi avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.74%▲ 0.91% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 3.65% APY
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
5 Year Certificate
$500
3.35%
▲ 0.61% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.74%▲ 0.61% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
Roth IRA - Variable Rate (60 mo)
$100
3.29%
▲ 0.55% above Mississippi avg
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.74%▲ 0.55% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Certificates - 60 Months
$500
3.24%
▲ 0.50% above Mississippi avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.74%▲ 0.50% above avgNationally 2.92%
Details
Quarterly dividends; early withdrawals subject to penalty
Rate History
No change since Sep 14, 2026 · 3.24% APY · checked 7 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
60 Month Standard CDs - Rewards
$0
3.10%
▲ 0.36% above Mississippi avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.74%▲ 0.36% above avgNationally 2.92%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 3.10% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
60 Month Standard IRA CDs
$0
3.10%
▲ 0.36% above Mississippi avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.74%▲ 0.36% above avgNationally 2.92%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 3.10% APY
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
Roth IRA - Fixed Rate (60 mo)
$1,000
3.02%
▲ 0.28% above Mississippi avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.74%▲ 0.28% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 3.02% APY · checked 6 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
60-Month Certificate - Premier Member
$500
3.00%
▲ 0.26% above Mississippi avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.74%▲ 0.26% above avgNationally 2.92%
Details
Premier member; APY | Dividend Rate; minimum balance to open a certificate is $500
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 3 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
Traditional 60-Month IRA Certificate - Premier Member
$500
3.00%
▲ 0.26% above Mississippi avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.74%▲ 0.26% above avgNationally 2.92%
Details
Premier member rate; APY | Dividend Rate; minimum balance to open an IRA certificate is $500; Traditional & Roth Certificates Rates
Rate History
No change since Oct 12, 2026 · 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%
▲ 0.20% above Mississippi avg
▼
Rate2.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.74%▲ 0.20% above avgNationally 2.92%
Details
Early withdrawal penalties apply to all certificate and IRA accounts.
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%
▲ 0.20% above Mississippi avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.74%▲ 0.20% above avgNationally 2.92%
Details
Individual Retirement Accounts
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%
▲ 0.10% above Mississippi avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.74%▲ 0.10% above avgNationally 2.92%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.84% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
60 Month Standard IRA CDs
$0
2.84%
▲ 0.10% above Mississippi avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.74%▲ 0.10% above avgNationally 2.92%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.84% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard CD - 60-month term
$0
2.84%
▲ 0.10% above Mississippi avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.74%▲ 0.10% above avgNationally 2.92%
Details
Regular APY
Rate History
1 change since Sep 14, 2026 · 3.10% → 2.84% ▼ 0.26 pts · high 3.10% / low 2.84%
- Oct 14, 20262.84%▼ from 3.10%
- Sep 14, 20263.10%first recorded
Citizens Bank & Trust Co. MS
Institution Rating:
D3.4 ★Texas Ratio: 33.79%
60 Month CD
$1,000
2.79%
▲ 0.05% above Mississippi avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.74%▲ 0.05% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 7 times
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
60 Month Certificate
$1,000
2.77%
▲ 0.03% above Mississippi avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.74%▲ 0.03% above avgNationally 2.92%
Details
Compounded Semi-Annual
Rate History
No change since Sep 24, 2026 · 2.77% APY · checked 5 times
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
IRA Certificate 60 Months
$50
2.75%
▲ 0.01% above Mississippi avg
▼
Rate2.75%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Mississippi Average2.74%▲ 0.01% above avgNationally 2.92%
Details
IRA Certificate Rates (with a minimum balance of $1000.00); A penalty may be applied for early withdrawal
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
60-Month Business Certificate
$500
2.75%
▲ 0.01% above Mississippi avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.74%▲ 0.01% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
60-Month Certificate
$500
2.75%
▲ 0.01% above Mississippi avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.74%▲ 0.01% above avgNationally 2.92%
Details
Non-premier member; APY | Dividend 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%
Traditional 60-Month IRA Certificate
$500
2.75%
▲ 0.01% above Mississippi avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.74%▲ 0.01% above avgNationally 2.92%
Details
Non-premier member rate; APY | Dividend Rate; minimum balance to open an IRA certificate is $500; Traditional & Roth Certificates Rates
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
- Sep 25, 20262.75%▼ from 3.00%
- Sep 14, 20263.00%first recorded
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
60 Month Business Share Certificates
$0
2.68%
▼ 0.06% below Mississippi avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.74%▼ 0.06% below avgNationally 2.92%
Details
Minimum balance required to earn the stated APY; dividends calculated by Daily Balance method
Rate History
No change since Sep 18, 2026 · 2.68% APY · checked 4 times
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 60 Months
$0
2.68%
▼ 0.06% below Mississippi avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.74%▼ 0.06% below avgNationally 2.92%
Details
Minimum balance required to earn stated APY: $500
Rate History
No change since Sep 12, 2026 · 2.68% APY · checked 8 times
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
60 Month Certificate
$500
2.50%
▼ 0.24% below Mississippi avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.74%▼ 0.24% below avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 3 times
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
60 Month Share Certificate
$0
2.39%
▼ 0.35% below Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.74%▼ 0.35% below avgNationally 2.92%
Details
Penalty for early withdrawal applies
Rate History
No change since Sep 14, 2026 · 2.39% APY · checked 8 times
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
Certificate - 60 Months
$0
2.39%
▼ 0.35% below Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.74%▼ 0.35% below avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 2.39% APY · checked 8 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
60 Month Share Certificate
$0
2.30%
▼ 0.44% below Mississippi avg
▼
Rate2.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.74%▼ 0.44% below avgNationally 2.92%
Details
Balance: $50,000 minimum
Rate History
No change since Oct 8, 2026 · 2.30% APY · checked 3 times
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Share Certificate 5 Years
$0
2.27%
▼ 0.47% below Mississippi avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.74%▼ 0.47% below avgNationally 2.92%
Details
Early withdrawal penalties apply; all rates subject to change without notice
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 2 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Investment Certificates - 60 Months IRA SC
$0
2.25%
▼ 0.49% below Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.74%▼ 0.49% below avgNationally 2.92%
Details
IRA
Rate History
No change since Oct 12, 2026 · 2.25% APY
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Investment Certificates - 60 Months SC
$0
2.25%
▼ 0.49% below Mississippi avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.74%▼ 0.49% below avgNationally 2.92%
Details
Rate History
No change since Oct 12, 2026 · 2.25% APY
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
60 Month Share Certificate
$0
2.20%
▼ 0.54% below Mississippi avg
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Mississippi Average2.74%▼ 0.54% below avgNationally 2.92%
Details
Balance: $500 minimum
Rate History
No change since Oct 8, 2026 · 2.20% APY · checked 3 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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Petal, MS CD Rate Trends
Compare local Petal, 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
2.793%
▼ 0.005 vs 7 days ago
Mississippi 12-month CD rates fell 0.005 points over the past 7 days to 2.793% APY.
6-Month CD MS Avg
2.282%
▼ 0.029 vs 7 days ago
Mississippi 6-month CD rates fell 0.029 points over the past 7 days to 2.282% APY.
As of Oct 15, 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
2.793%
6-Month Forecast
2.793%
Range: 2.59%, 2.94%
12-Month Forecast
3.043%
Range: 2.84%, 3.19%
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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 | 1.675% | $83.74 | $167.48 | $418.70 | $837.40 |
| 6-Month CD | 2.282% | $114.09 | $228.18 | $570.45 | $1,140.90 |
| 12-Month CD | 2.793% | $139.66 | $279.32 | $698.30 | $1,396.60 |
| 18-Month CD | 3.039% | $151.97 | $303.94 | $759.85 | $1,519.70 |
| 24-Month CD | 2.654% | $132.68 | $265.36 | $663.40 | $1,326.80 |
| 36-Month CD | 2.533% | $126.67 | $253.34 | $633.35 | $1,266.70 |
| 48-Month CD | 2.321% | $116.06 | $232.12 | $580.30 | $1,160.60 |
| 60-Month CD | 2.740% | $137.00 | $274.00 | $685.00 | $1,370.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 15, 2026. | |||||
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Sample CD Ladder for Petal, 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 | 1.675% | $83.74 |
| 2 | 6-Month CD | $5,000 | 2.282% | $114.09 |
| 3 | 12-Month CD | $5,000 | 2.793% | $139.66 |
| 4 | 24-Month CD | $5,000 | 2.654% | $132.68 |
| 5 | 36-Month CD | $5,000 | 2.533% | $126.67 |
| Total ($25,000 invested) | $25,000 | 2.387% blended | $596.84/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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518
CD Rates
Tracked in Petal, Mississippi
Tracked in Petal, Mississippi
11 Banks
38 Credit Unions
About Our Petal, Mississippi CD Rate Database
MonitorBankRates tracks 518 CD rates from 11 banks and 38 credit unions with locations in Petal, 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: Hancock Whitney Bank offers a CD at 4.25% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Petal, Mississippi.
How to Find the Best CD Rates in Petal, Mississippi
What to compare when shopping for a CD in Petal, Mississippi
To find the best APYs in Petal, Mississippi, start with credit unions and online-only banks: Petal, Mississippi has 38 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 Petal, 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 Petal, Mississippi: 49 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Petal, 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 Petal, Mississippi money market rates
Petal, Mississippi Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
15.2%
National avg: 17.3%
Median Individual Earnings
$38,014
National avg: $47,340
Poverty Rate
11.1%
National avg: 11.1%
Unemployment Rate
3.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$106/yr
At MS 12-mo avg 2.793% APY
15.2% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 3.6% reflects a strong local economy. At today’s MS 12-month CD average of 2.793%, saving 10% of the local median salary ($3,801/year) and putting it in a CD would earn an additional $106 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Petal, 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 |
How Certificates of Deposit Work in Petal, Mississippi
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Petal, 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 Petal, Mississippi as everywhere in the U.S.
Choosing a CD Term in Petal, Mississippi
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Petal, Mississippi savers easier access to their funds. For example, CenturyFirst Federal Credit Union is offering its 6 Month Certificate Account at 1.35% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, CenturyFirst Federal Credit Union is offering its 60 Month Certificate Account at 2.55% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Petal, Mississippi Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Petal, Mississippi saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Petal, Mississippi
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Petal, Mississippi CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Petal, Mississippi
Most CDs carry a fixed rate that is locked for the entire term, protecting a Petal, 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 Petal, Mississippi
Are CD rates in Petal, Mississippi FDIC insured?
Yes, most established banks in Petal, 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 Petal, 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 Petal, 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 Petal, 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 Petal, Mississippi?
Here are recent top rates found for this area:
- Hancock Whitney Bank: 4.25% APY (24-Month Certificate of Deposit)
- Keesler Federal Credit Union: 3.25% APY (18 Month Jumbo Share & IRA Certificates)
- CenturyFirst Federal Credit Union: 2.55% APY (48 Month Certificate Account)
- 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 Share Certificates (CDs) - Jumbo)
- Commercial Bank De Kalb, MS: 4.50% APY (Business Certificates of Deposit (CDs) - 60 Months)
- 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 (Traditional 12-Month IRA Certificate - Premier Member)
- Chevron Federal Credit Union: 4.40% APY (36 Month Share Certificate)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
Rates reflect recent verified offers available in Petal, Mississippi. Last Updated: October 15, 2026
Petal, 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 Petal, 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 Petal, Mississippi
Petal, Mississippi CD Calculator
At today’s MS top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.
Petal, Mississippi CD LadderMS CD rates currently range from 1.675% (3-month) to 2.533% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Petal, Mississippi CD at 4.25% 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 2.793% 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 Petal, 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 Petal, 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 Petal, 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 15, 2026
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