Lund, Nevada CD Rates Today - Compare Best APYs for May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Lund, Nevada CD rates include Mountain America Federal Credit UnionMountain America Federal Credit UnionA5.0 ★Texas Ratio: 10.12%Real return: +1.40%APY minus CPI (February 2026) offering Certificate 24-month at 4.20% APY, Toyota Financial Savings BankToyota Financial Savings BankA+5.0 ★Texas Ratio: 0.00%Real return: +1.31%APY minus CPI (February 2026) offering 60 Month Certificate of Deposit at 4.11% APY, America First Federal Credit UnionAmerica First Federal Credit UnionA5.0 ★Texas Ratio: 7.26%Real return: +1.30%APY minus CPI (February 2026) offering 60 Months at 4.10% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit UnionB4.4 ★Texas Ratio: 17.71%Real return: +1.09%APY minus CPI (February 2026) offering IRA Certificate Term 18-Month Variable at 3.89% 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 May 17, 2026 according to verified data from MonitorBankRates.
Lund is a smaller community with no bank or credit union branches currently in our database. 158 institutions serving the Nevada area are available to Lund residents, with CD rates as high as 4.20% APY from Mountain America 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: May 17, 2026
Compare Best CD Rates in Lund, Nevada & the Surrounding Area
$1,000.00 minimum to open and earn APY.
Early Withdrawal Penalty: 90 Days' Dividends
$100,000 Minimum to Earn APY
Early Withdrawal Penalty: 90 Days' Dividends
$1,000.00 minimum to open and earn APY.
Traditional
Qualifying balance up to $49,000.00
$100,000 Minimum to Earn APY
$1,000.00 minimum to open and earn APY.
$100,000 Minimum to Earn APY
Traditional, Roth & Educational
Early Withdrawal Penalty: 180 Days' Dividends
$1,000.00 minimum to open and earn APY.
$100,000 Minimum to Earn APY
$100,000 Minimum to Earn APY
$1,000.00 minimum to open and earn APY.
Traditional, Roth & Educational
Early Withdrawal Penalty: 270 Days' Dividends
APY with Bonus Rate: 2.10%
$100,000 Minimum to Earn APY
$1,000.00 minimum to open and earn APY.
Early Withdrawal Penalty: 270 Days' Dividends
Traditional, Roth & Educational
$100,000 Minimum to Earn APY
$1,000.00 minimum to open and earn APY.
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.
Key Takeaways
What to know about CD rates in Lund, Nevada at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY available to Lund residents from institutions serving the Nevada area is 4.20% APY from Mountain America Federal Credit Union. The rate table above ranks every offer we track, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Lund, NV CD Rate Trends
Compare local Lund, 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 rose 0.811 points over the past 7 days to 2.735% APY.
Nevada 6-month CD rates rose 1.766 points over the past 7 days to 2.639% APY.
NV CD Rate Forecast — Next 12 Months
Where are Nevada CD rates headed through May 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 | 2.926% | $146.31 | $292.62 | $731.55 | $1,463.10 |
| 6-Month CD | 2.639% | $131.96 | $263.91 | $659.78 | $1,319.55 |
| 12-Month CD | 2.735% | $136.76 | $273.52 | $683.80 | $1,367.60 |
| 18-Month CD | 2.887% | $144.35 | $288.70 | $721.75 | $1,443.50 |
| 24-Month CD | 2.859% | $142.95 | $285.90 | $714.75 | $1,429.50 |
| 36-Month CD | 3.091% | $154.54 | $309.07 | $772.68 | $1,545.35 |
| 48-Month CD | 3.294% | $164.71 | $329.41 | $823.53 | $1,647.05 |
| 60-Month CD | 3.302% | $165.11 | $330.21 | $825.53 | $1,651.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 17, 2026. | |||||
Sample CD Ladder for Lund, 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 | 2.926% | $146.31 |
| 2 | 6-Month CD | $5,000 | 2.639% | $131.96 |
| 3 | 12-Month CD | $5,000 | 2.735% | $136.76 |
| 4 | 24-Month CD | $5,000 | 2.859% | $142.95 |
| 5 | 36-Month CD | $5,000 | 3.091% | $154.54 |
| Total ($25,000 invested) | $25,000 | 2.850% blended | $712.52/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 Lund, Nevada
About Our Lund, Nevada CD Rate Database
MonitorBankRates tracks 131 CD rates from 6 banks and 13 credit unions with locations in Lund, 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: Mountain America Federal Credit Union offers a CD at 4.20% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Lund, Nevada.
How to Find the Best CD Rates in Lund, Nevada
What to compare when shopping for a CD in Lund, Nevada
To find the best APYs in Lund, Nevada, start with credit unions and online-only banks — Lund, Nevada has 13 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 Lund, 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 Lund, Nevada — 19 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Lund, Nevada savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Lund, 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 2.735%, saving 10% of the local median salary ($4,301/year) and putting it in a CD would earn an additional $118 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 Lund, 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 |
Frequently Asked Questions about CD Rates in Lund, Nevada
Are CD rates in Lund, Nevada FDIC insured?
Do I have to pay state taxes on CD interest in Lund, 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 Lund, Nevada?
- Mountain America Federal Credit Union: 4.20% APY (Certificate 24-month)
- Toyota Financial Savings Bank: 4.11% APY (60 Month Certificate of Deposit)
- America First Federal Credit Union: 4.10% APY (60 Months)
- UNIFY Financial Federal Credit Union: 3.89% APY (IRA Certificate Term 18-Month Variable)
- Create Credit Union: 3.82% APY (3-month cd)
- Weststar Credit Union: 3.60% APY (18 Months Term Certificate)
- Greater Nevada Credit Union: 3.50% APY (60 Months Share Certificate)
- Wilmington Savings Fund Society (WSFS): 3.50% APY (3-Month CD)
- Farm Bureau Bank FSB: 3.35% APY (FB-Org Certificate of Deposit [CD] 1 year)
- Baxter Credit Union: 3.30% APY (18-month term)
CD Calculators for Lund, Nevada
At today’s NV top rate of 4.20% APY, a $10,000 deposit earns $420 in the first year. Enter your amount to see your exact return.
Lund, Nevada CD LadderNV CD rates currently range from 2.926% (3-month) to 3.091% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Lund, Nevada CD at 4.20% 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 2.735% 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 Lund, 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 Lund, 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 Lund, 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.
