Nevada CD Rates Today - Compare Best APYs for July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Nevada CD rates include UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union7985 W Sahara Ave Ste 101, Las Vegas, NV 89117B4.4 ★Texas Ratio: 17.71%Real return: +1.32%APY minus CPI (February 2026) offering 36-Month Variable at 4.12% APY, America First Federal Credit UnionAmerica First Federal Credit Union590 W Mesquite Blvd, Mesquite, NV 89027A5.0 ★Texas Ratio: 7.26%Real return: +1.15%APY minus CPI (February 2026) offering 60 Months at 3.95% APY, Create Credit UnionCreate Credit Union1425 E WINDMILL LN, LAS VEGAS, NV 89123 1901A+5.0 ★Texas Ratio: 2.47%Real return: +1.02%APY minus CPI (February 2026) offering 3-month cd at 3.82% APY, InTouch Credit UnionInTouch Credit Union4299 E Sunset Rd, Henderson, NV 89014A5.0 ★Texas Ratio: 9.63%Real return: +0.95%APY minus CPI (February 2026) offering 3-Month Certificate at 3.75% APY, and Financial Horizons Credit UnionFinancial Horizons Credit Union201 N Main St, Yerington, NV 89447A+5.0 ★Texas Ratio: 0.25%Real return: +0.70%APY minus CPI (February 2026) offering 12-Month Share Certificate at 3.50% APY. CD rates as of July 24, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Nevada side-by-side. Nevada CD rates currently reach as high as 4.12% APY from UNIFY Financial Federal Credit Union at 7985 W Sahara Ave Ste 101, Las Vegas, NV 89117. Rates are continually updated — 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: July 24, 2026
Compare Best CD Rates in Nevada
Nevada 3 Month CD Rates
Variable Rate
Jumbo CD
Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Nevada 6 Month CD Rates
Variable Rate
Jumbo CD
Early Withdrawal Penalty: 90 Days' Dividends
Early Withdrawal Penalty: 90 Days' Dividends
Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Nevada 12 Month CD Rates
Variable Rate
As Low As; Earn more than a traditional Savings Account with a 12-Month Share Certificate.
Jumbo CD
Early Withdrawal Penalty: 90 Days' Dividends
Early Withdrawal Penalty: 90 Days' Dividends
Save to Win? 12-Month Certificate*
Save to Win? 12-Month Certificate* (Cont'd)
Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY 1.51%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY 1.51%
Nevada 18 Month CD Rates
Variable Rate
Jumbo CD
Nevada 24 Month CD Rates
Variable Rate
Jumbo CD
Early Withdrawal Penalty: 180 Days' Dividends
Early Withdrawal Penalty: 180 Days' Dividends
Nevada 36 Month CD Rates
Variable Rate
Jumbo CD
Early Withdrawal Penalty: 270 Days' Dividends
Early Withdrawal Penalty: 270 Days' Dividends
Nevada 48 Month CD Rates
Variable Rate
Jumbo CD
Early Withdrawal Penalty: 270 Days' Dividends
Early Withdrawal Penalty: 270 Days' Dividends
Nevada 60 Month CD Rates
Variable Rate
Jumbo CD
Early Withdrawal Penalty: 270 Days' Dividends
Early Withdrawal Penalty: 270 Days' Dividends
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Nevada CD Rate Trends
Compare local Nevada 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.
Nevada 12-month CD rates rose 0.004 points over the past 7 days to 1.782% APY.
Nevada 6-month CD rates currently average 0.666% APY based on data from institutions in our monitoring network.
NV CD Rate Forecast — Next 12 Months
Where are Nevada CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at NV CD Rates Today
Annual interest earnings at today’s Nevada average APYs. State average used where available; national average as fallback.
| CD Term | NV Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 0.825% | $41.23 | $82.46 | $206.15 | $412.30 |
| 6-Month CD | 0.666% | $33.28 | $66.55 | $166.38 | $332.75 |
| 12-Month CD | 1.782% | $89.08 | $178.16 | $445.40 | $890.80 |
| 18-Month CD | 2.267% | $113.37 | $226.73 | $566.83 | $1,133.65 |
| 24-Month CD | 2.509% | $125.45 | $250.89 | $627.23 | $1,254.45 |
| 36-Month CD | 2.890% | $144.52 | $289.04 | $722.60 | $1,445.20 |
| 48-Month CD | 3.061% | $153.04 | $306.07 | $765.18 | $1,530.35 |
| 60-Month CD | 2.475% | $123.73 | $247.46 | $618.65 | $1,237.30 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 24, 2026. | |||||
Sample CD Ladder for Nevada Savers
$25,000 split equally across 5 terms using today’s Nevada average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NV Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 0.825% | $41.23 |
| 2 | 6-Month CD | $5,000 | 0.666% | $33.28 |
| 3 | 12-Month CD | $5,000 | 1.782% | $89.08 |
| 4 | 24-Month CD | $5,000 | 2.509% | $125.45 |
| 5 | 36-Month CD | $5,000 | 2.890% | $144.52 |
| Total ($25,000 invested) | $25,000 | 1.734% blended | $433.56/yr | |
Ladder example uses equal $5,000 rungs and Nevada average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
Tracked in Nevada
About Our Nevada CD Rate Database
MonitorBankRates tracks 117 CD rates from 6 banks and 8 credit unions with locations in Nevada, plus national online institutions available to Nevada residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: UNIFY Financial Federal Credit Union offers a CD at 4.12% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Nevada.
How to Find the Best CD Rates in Nevada
What to compare when shopping for a CD in Nevada
To find the best APYs in Nevada, start with credit unions and online-only banks — Nevada has 8 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 Nevada
- 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 Nevada — 14 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Nevada savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Nevada money market rates
Nevada Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
17.0% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 6.9% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s NV 12-month CD average of 1.782%, saving 10% of the local median salary ($4,301/year) and putting it in a CD would earn an additional $77 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 Nevada
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Nevada
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 Nevada 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 Nevada as everywhere in the U.S.
Choosing a CD Term in Nevada
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Nevada savers easier access to their funds. For example, InTouch Credit Union is offering its 6-Month Certificate at 3.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, America First Federal Credit Union is offering its 60 Months at 3.95% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Nevada 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 Nevada 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 Nevada
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 Nevada 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 Nevada
Most CDs carry a fixed rate that is locked for the entire term, protecting a Nevada 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 Nevada
Are CD rates in Nevada FDIC insured?
Do I have to pay state taxes on CD interest in Nevada?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Nevada?
- UNIFY Financial Federal Credit Union: 4.12% APY (36-Month Variable)
- America First Federal Credit Union: 3.95% APY (60 Months)
- Create Credit Union: 3.82% APY (3-month cd)
- InTouch Credit Union: 3.75% APY (3-Month Certificate)
- Financial Horizons Credit Union: 3.50% APY (12-Month Share Certificate)
- Farm Bureau Bank FSB: 3.50% APY (1 year)
- Plus Credit Union: 3.45% APY (Share Certificates 3 Months)
- One Nevada Credit Union: 3.25% APY (1 Year CD)
- Credit Union 1 Credit Union Rantoul, IL: 3.25% APY (IRA Certificate (Traditional, Roth or Educational) 12 Months)
- Wells Fargo: 1.51% APY (1 year Standard Interest Rate)
CD Calculators for Nevada
At today’s NV top rate of 4.12% APY, a $10,000 deposit earns $412 in the first year. Enter your amount to see your exact return.
Nevada CD LadderNV CD rates currently range from 0.825% (3-month) to 2.890% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Nevada CD at 4.12% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsNevada’s average 12-month CD is 1.782% 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 Nevada 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 Nevada 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 Nevada. 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 NV.
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.
Cities in Nevada
