Hiko, Nevada Best CD Rates August 2026
Brian McKay
Brian McKay
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Current Hiko, Nevada CD rates include America First Federal Credit UnionAmerica First Federal Credit UnionA5.0 ★Texas Ratio: 7.26%Real return: +1.50%APY minus CPI (February 2026) offering 60 Months Certificate at 4.30% APY, SCE Federal Credit UnionSCE Federal Credit UnionA+5.0 ★Texas Ratio: 4.45%Real return: +1.45%APY minus CPI (February 2026) offering IRA Certificate Accounts 60 months at 4.25% APY, Farm Bureau Bank FSBFarm Bureau Bank FSBA+5.0 ★Texas Ratio: 2.42%Real return: +1.35%APY minus CPI (February 2026) offering FB-Org Certificate of Deposit [CD] 1 year at 4.15% APY, City National BankCity National BankA+5.0 ★Texas Ratio: 2.65%Real return: +1.20%APY minus CPI (February 2026) offering Special 6-Month Fixed Rate at 4.00% APY, and Create Credit UnionCreate Credit UnionA+5.0 ★Texas Ratio: 2.47%Real return: +1.02%APY minus CPI (February 2026) offering 3-month cd at 3.82% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.
Hiko is a smaller community with no bank or credit union branches currently in our database. 181 institutions serving the Nevada area are available to Hiko residents, with CD rates as high as 4.30% APY from America First Federal Credit Union. 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: August 28, 2026
Compare Best CD Rates in Hiko, Nevada & the Surrounding Area
Hiko 3 Month CD Rates
CD rates effective February 1, 2026.
Annual Percentage Yield (APY) effective January 28, 2026, and subject to change without notice. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account.
Annual Percentage Yield (APY) effective January 28, 2026, and subject to change without notice. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account.
(90 to 179 days)
Dividends will be credited to your account and compounded every month. Fees could reduce the earnings on the account.
A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
Rewards APY 0.60% Regular APY 0.50% Dividend Rate 0.50%
Regular APY 0.50% Dividend Rate 0.50%
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.
Relationship APY 0.06%
Relationship APY 0.06%
Relationship Interest Rate 0.06%
Hiko 6 Month CD Rates
1
New money deposits required. Special 6-Month Fixed Rate will be fixed for a term of 6-months only. The CD will automatically renew at the then-prevailing published 6-month standard rate and APY at the time of renewal and every renewal period thereafter. Offer Eligibility Requirements: Client must request the Special 6-Month Fixed Rate at account opening. Available only on a new City National Bank Personal CD or City National Bank Business CD. New money is defined as incoming deposits from RBC Rochdale, RBC Securities, or from another financial institution (e.g. via ATM, check, wire transfer, ACH or Zelle), deposited to City National Bank deposit accounts owned by the same client opening the CD, within the previous 30 calendar days prior to CD account opening. Incoming deposits can only be used once for the rate offer and cannot subsequently be counted towards the new money of another Special 6-Month Fixed Rate CD. Offer is available to new and existing personal and business clients only. Large Corporate clients and public fund accounts are not eligible for this Special 6-Month Fixed Rate.
CD rates effective February 1, 2026.
Annual Percentage Yield (APY) effective January 28, 2026, and subject to change without notice. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account.
Annual Percentage Yield (APY) effective January 28, 2026, and subject to change without notice. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account.
Dividends will be credited to your account and compounded every month. Fees could reduce the earnings on the account.
(180 to 269 days)
A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
Rewards APY 1.35% Regular APY 1.25% Dividend Rate 1.24%
Regular APY 1.25% Dividend Rate 1.24%
Relationship APY 0.06%
Relationship APY 0.06%
Relationship Interest Rate 0.05%
Hiko 12 Month CD Rates
Dividends will be credited to your account and compounded every month. Fees could reduce the earnings on the account.
Annual Percentage Yield (APY) effective January 28, 2026, and subject to change without notice. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account.
Annual Percentage Yield (APY) effective January 28, 2026, and subject to change without notice. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account.
A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 1.50%.
Relationship APY 1.51%
Relationship APY 1.51%
Relationship Interest Rate 1.50%
Rewards APY 1.40% Regular APY 1.30% Dividend Rate 1.29%
Regular APY 1.30% Dividend Rate 1.29%
Rewards APY 1.40% Regular APY 1.30% Dividend Rate 1.29%
Regular APY 1.30% Dividend Rate 1.29%
Hiko 18 Month CD Rates
Rewards APY 3.45% Regular APY 3.45% Dividend Rate 3.40%
Regular APY 3.45% Dividend Rate 3.40%
Rewards APY 3.45% Regular APY 3.30% Dividend Rate 3.25%
Regular APY 3.30% Dividend Rate 3.25%
Annual Percentage Yield (APY) effective January 28, 2026, and subject to change without notice. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account.
Annual Percentage Yield (APY) effective January 28, 2026, and subject to change without notice. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account.
A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
Hiko 24 Month CD Rates
Annual Percentage Yield (APY) effective January 28, 2026, and subject to change without notice. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account.
Annual Percentage Yield (APY) effective January 28, 2026, and subject to change without notice. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account.
Dividends will be credited to your account and compounded every month. Fees could reduce the earnings on the account.
Rewards APY 2.60% Regular APY 2.34% Dividend Rate 2.32%
Regular APY 2.34% Dividend Rate 2.32%
Rewards APY 2.60% Regular APY 2.34% Dividend Rate 2.32%
Regular APY 2.34% Dividend Rate 2.32%
A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
Hiko 36 Month CD Rates
Annual Percentage Yield (APY) effective January 28, 2026, and subject to change without notice. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account.
Annual Percentage Yield (APY) effective January 28, 2026, and subject to change without notice. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account.
Dividends will be credited to your account and compounded every month. Fees could reduce the earnings on the account.
Rewards APY 2.75% Regular APY 2.49% Dividend Rate 2.47%
Regular APY 2.49% Dividend Rate 2.47%
Rewards APY 2.75% Regular APY 2.49% Dividend Rate 2.47%
Regular APY 2.49% Dividend Rate 2.47%
A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
Hiko 48 Month CD Rates
Annual Percentage Yield (APY) effective January 28, 2026, and subject to change without notice. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account.
Annual Percentage Yield (APY) effective January 28, 2026, and subject to change without notice. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account.
Dividends will be credited to your account and compounded every month. Fees could reduce the earnings on the account.
Rewards APY 2.90% Regular APY 2.64% Dividend Rate 2.61%
Regular APY 2.64% Dividend Rate 2.61%
Rewards APY 2.90% Regular APY 2.64% Dividend Rate 2.61%
Regular APY 2.64% Dividend Rate 2.61%
A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
Hiko 60 Month CD Rates
Annual Percentage Yield (APY) effective January 28, 2026, and subject to change without notice. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account.
Annual Percentage Yield (APY) effective January 28, 2026, and subject to change without notice. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account.
Rewards APY 3.10% Regular APY 2.84% Dividend Rate 2.81%
Regular APY 2.84% Dividend Rate 2.81%
Rewards APY 3.10% Regular APY 2.84% Dividend Rate 2.81%
Regular APY 2.84% Dividend Rate 2.81%
A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Hiko, NV CD Rate Trends
Compare local Hiko, NV 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 fell 0.275 points over the past 7 days to 1.847% APY.
Nevada 6-month CD rates fell 1.250 points over the past 7 days to 0.892% APY.
NV CD Rate Forecast — Next 12 Months
Where are Nevada CD rates headed through August 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 | 1.138% | $56.89 | $113.78 | $284.45 | $568.90 |
| 6-Month CD | 0.892% | $44.62 | $89.23 | $223.08 | $446.15 |
| 12-Month CD | 1.847% | $92.35 | $184.70 | $461.75 | $923.50 |
| 18-Month CD | 2.690% | $134.50 | $268.99 | $672.48 | $1,344.95 |
| 24-Month CD | 2.735% | $136.73 | $273.47 | $683.68 | $1,367.35 |
| 36-Month CD | 3.241% | $162.02 | $324.05 | $810.12 | $1,620.25 |
| 48-Month CD | 3.522% | $176.10 | $352.20 | $880.50 | $1,761.00 |
| 60-Month CD | 3.314% | $165.71 | $331.42 | $828.55 | $1,657.10 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026. | |||||
Sample CD Ladder for Hiko, 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 | 1.138% | $56.89 |
| 2 | 6-Month CD | $5,000 | 0.892% | $44.62 |
| 3 | 12-Month CD | $5,000 | 1.847% | $92.35 |
| 4 | 24-Month CD | $5,000 | 2.735% | $136.73 |
| 5 | 36-Month CD | $5,000 | 3.241% | $162.02 |
| Total ($25,000 invested) | $25,000 | 1.970% blended | $492.61/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 Hiko, Nevada
About Our Hiko, Nevada CD Rate Database
MonitorBankRates tracks 149 CD rates from 6 banks and 12 credit unions with locations in Hiko, 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: America First Federal Credit Union offers a CD at 4.30% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Hiko, Nevada.
How to Find the Best CD Rates in Hiko, Nevada
What to compare when shopping for a CD in Hiko, Nevada
To find the best APYs in Hiko, Nevada, start with credit unions and online-only banks — Hiko, Nevada has 12 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 Hiko, 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 Hiko, Nevada — 18 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days — compare Hiko, Nevada 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 Hiko, Nevada money market rates
Nevada Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
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 1.847%, saving 10% of the local median salary ($4,301/year) and putting it in a CD would earn an additional $79 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 Hiko, 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 Hiko, 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 Hiko, 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 Hiko, Nevada as everywhere in the U.S.
Choosing a CD Term in Hiko, 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 Hiko, Nevada savers easier access to their funds. For example, City National Bank is offering its Special 6-Month Fixed Rate at 4.00% 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 Certificate at 4.30% 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 Hiko, 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 Hiko, 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 Hiko, 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 Hiko, 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 Hiko, Nevada
Most CDs carry a fixed rate that is locked for the entire term, protecting a Hiko, 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 Hiko, Nevada
Are CD rates in Hiko, Nevada FDIC insured?
Do I have to pay state taxes on CD interest in Hiko, 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 Hiko, Nevada?
- America First Federal Credit Union: 4.30% APY (60 Months Certificate)
- SCE Federal Credit Union: 4.25% APY (IRA Certificate Accounts 60 months)
- Farm Bureau Bank FSB: 4.15% APY (FB-Org Certificate of Deposit [CD] 1 year)
- City National Bank: 4.00% APY (Special 6-Month Fixed Rate)
- Create Credit Union: 3.82% APY (3-month cd)
- InTouch Credit Union: 3.80% APY (Youth/Young Adult 12-Month Certificate)
- Financial Horizons Credit Union: 3.60% APY (12-Month Share Certificate)
- Greater Nevada Credit Union: 3.50% APY (60 Months)
- Baxter Credit Union: 3.45% APY (18-month term)
- Plus Credit Union: 3.45% APY (Share Certificates 3 Months)
Hiko, Nevada 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 Hiko, Nevada rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Hiko, Nevada
At today’s NV top rate of 4.30% APY, a $10,000 deposit earns $430 in the first year. Enter your amount to see your exact return.
Hiko, Nevada CD LadderNV CD rates currently range from 1.138% (3-month) to 3.241% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Hiko, Nevada CD at 4.30% 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 1.847% 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 Hiko, 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 Hiko, 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 Hiko, 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.
Hiko, Nevada Rates & Resources
