Ruby Valley, Nevada CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Ruby Valley, Nevada CD rates include 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: 8.12%Real return: +1.30%APY minus CPI (February 2026) offering 60 Months at 4.10% APY, Create Credit UnionCreate Credit UnionA+5.0 ★Texas Ratio: 2.63%Real return: +1.02%APY minus CPI (February 2026) offering Level Up Certificates and IRA Certificates - Variable Rate 3 Months at 3.82% APY, Weststar Credit UnionWeststar Credit UnionA+5.0 ★Texas Ratio: 4.17%Real return: +0.80%APY minus CPI (February 2026) offering 36 Months Term Certificate at 3.60% APY, and Greater Nevada Credit UnionGreater Nevada Credit UnionF1.0 ★Texas Ratio: 83.06%Real return: +0.70%APY minus CPI (February 2026) offering IRA Share Certificate (CD) Special Distribution 60 Months at 3.50% APY. CD rates as of May 10, 2026 according to verified data from MonitorBankRates.
Ruby Valley is a smaller community with no bank or credit union branches currently in our database. 178 institutions serving the Nevada area are available to Ruby Valley residents, with CD rates as high as 4.11% APY from Toyota Financial Savings Bank. 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 10, 2026
Compare Best CD Rates in Ruby Valley, Nevada & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Level Up Certificates and IRA Certificates - Variable Rate 3 Months
$500
3.82%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Variable Rate - during the term of your Certificate account(s), you may increase the rate one time to the rate currently in effect for accounts of this type with the same term.
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate of Deposit
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
3-Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
3 Month Share Certificates
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
Share Certificate (CD) 3 Months
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3 Months Term Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
IRA Share Certificate (CD) Special Distribution 3 Months
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
IRA Share Certificate (CD) 3 Months
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
3 Months Share Certificate
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
3 Month CD
$10,000
1.24%
▼
Rate1.23%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Regular CDs
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate Relationship
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate of Deposit
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Level Up Certificates and IRA Certificates - Variable Rate 6 Months
$500
3.66%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Variable Rate - during the term of your Certificate account(s), you may increase the rate one time to the rate currently in effect for accounts of this type with the same term.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
6 Month Share Certificates
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
6 Months Term Certificate
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
6 Months Share Certificate
$500
3.10%
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
IRA Share Certificate (CD) 6 Months
$500
3.10%
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
IRA Share Certificate (CD) Special Distribution 6 Months
$500
3.10%
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
Share Certificate (CD) 6 Months
$500
3.10%
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6-Month CD
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
IRA 6-month Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Traditional, Roth, Coverdell-Educational
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
6-month Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
IRA Certificate (Traditional, Roth or Educational) 6 Months
$1,000
2.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
IRA Certificate Plus (Traditional, Roth or Educational) 6 Months
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Standard CDs
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Regular CDs
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate0.16%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Nevada B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
6 MONTH CERTIFICATE OF DEPOSIT
$1,000
0.15%
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate Relationship
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate of Deposit
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Level Up Certificates and IRA Certificates - Variable Rate 12 Months
$500
3.61%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Variable Rate - during the term of your Certificate account(s), you may increase the rate one time to the rate currently in effect for accounts of this type with the same term.
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
FB-Org Certificate of Deposit [CD] 1 year
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
12 Months Term Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
12 Months Share Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
IRA Share Certificate (CD) 12 Months
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
IRA Certificate (Traditional, Roth or Educational) 12 Months
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
IRA Certificate Plus (Traditional, Roth or Educational) 12 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
IRA Share Certificate (CD) Special Distribution 12 Months
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
Share Certificate (CD) 12 Months
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
12-month Certificate
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
IRA 12-month Certificate
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Traditional, Roth, Coverdell-Educational
Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
IRA Accounts 12 Months
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
Certificate of Deposit 12 months
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
12-Month Share Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
12 Month Share Certificates
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
12 Mo. IRA Certificates
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Traditional
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Fixed Rate Relationship
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Fixed Rate
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Fixed Rate CD
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12-month term Standard CDs
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 12-month term
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12-month term Regular CDs
$0
1.30%
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 12-month term
$0
1.30%
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Nevada B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
12 MONTH CERTIFICATE OF DEPOSIT
$1,000
0.18%
▼
Rate0.18%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $49,000.00
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate of Deposit
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Level Up Certificates and IRA Certificates - Variable Rate 18 Months
$500
3.61%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Variable Rate - during the term of your Certificate account(s), you may increase the rate one time to the rate currently in effect for accounts of this type with the same term.
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
18 Months Term Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
18 Months Share Certificate
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
IRA Share Certificate (CD) 18 Months
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
IRA Share Certificate (CD) Special Distribution 18 Months
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
Share Certificate (CD) 18 Months
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
18-month term CD Specials
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
18-month Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
IRA 18-month Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Traditional, Roth, Coverdell-Educational
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate0.50%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate of Deposit
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Level Up Certificates and IRA Certificates - Variable Rate 24 Months
$500
3.66%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Variable Rate - during the term of your Certificate account(s), you may increase the rate one time to the rate currently in effect for accounts of this type with the same term.
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
24 Months Term Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
24 Months Share Certificate
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
IRA Share Certificate (CD) 24 Months
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
IRA Share Certificate (CD) Special Distribution 24 Months
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
Share Certificate (CD) 24 Months
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
IRA Certificate (Traditional, Roth or Educational) 24 Months
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
IRA Certificate Plus (Traditional, Roth or Educational) 24 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
24 Mo. IRA Certificates
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Traditional, Roth & Educational
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
24 Month Share Certificates
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
24-month Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
IRA 24-month Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Traditional, Roth, Coverdell-Educational
Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
IRA Accounts 24 Months
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
IRA Accounts 24 Months
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Standard CDs
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
IRA Accounts 24 Months
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 24-month term
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Regular CDs
$0
2.34%
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 24-month term
$0
2.34%
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
Jumbo Certificates of Deposit 2 year
$99,000
0.55%
▼
Rate0.55%
Min Deposit$99,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Nevada B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
24 MONTH CERTIFICATE OF DEPOSIT
$1,000
0.25%
▼
Rate0.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate of Deposit
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Level Up Certificates and IRA Certificates - Variable Rate 36 Months
$500
3.71%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Variable Rate - during the term of your Certificate account(s), you may increase the rate one time to the rate currently in effect for accounts of this type with the same term.
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
36 Months Term Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
36 Months Share Certificate
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
IRA Share Certificate (CD) 36 Months
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
IRA Share Certificate (CD) Special Distribution 36 Months
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
Share Certificate (CD) 36 Months
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
36 Month Share Certificates
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
36-month Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
IRA 36-month Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Traditional, Roth, Coverdell-Educational
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
36 Mo. IRA Certificates
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Traditional, Roth & Educational
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
IRA Certificate Plus (Traditional, Roth or Educational) 36 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
IRA Certificate (Traditional, Roth or Educational) 36 Months
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
IRA Accounts 36 Months
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Standard CDs
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
IRA Accounts 36 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 36-month term
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
IRA Accounts 36 Months
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Regular CDs
$0
2.49%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 36-month term
$0
2.49%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
Jumbo Certificates of Deposit 3 year
$99,000
0.60%
▼
Rate0.60%
Min Deposit$99,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate0.55%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Level Up Certificates and IRA Certificates - Variable Rate 48 Months
$500
3.76%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Variable Rate - during the term of your Certificate account(s), you may increase the rate one time to the rate currently in effect for accounts of this type with the same term.
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
48 Months Term Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
48 Months Share Certificate
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
IRA Share Certificate (CD) 48 Months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
IRA Share Certificate (CD) Special Distribution 48 Months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
Share Certificate (CD) 48 Months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
48-month Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
IRA 48-month Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Traditional, Roth, Coverdell-Educational
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 48-month term
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
IRA Certificate (Traditional, Roth or Educational) 48 Months
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
IRA Certificate Plus (Traditional, Roth or Educational) 48 Months
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Regular CDs
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 48-month term
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
48 Mo. IRA Certificates
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Traditional, Roth & Educational
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
48 Month Share Certificates
$500
2.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate of Deposit
$0
4.11%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
60 Months
$500
4.10%
▼
Rate4.03%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
60 Months
$500
3.95%
▼
Rate3.88%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Level Up Certificates and IRA Certificates - Variable Rate 60 Months
$500
3.82%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Variable Rate - during the term of your Certificate account(s), you may increase the rate one time to the rate currently in effect for accounts of this type with the same term.
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
60 Months Term Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
60 Months Share Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
IRA Share Certificate (CD) 60 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
IRA Share Certificate (CD) Special Distribution 60 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
Share Certificate (CD) 60 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 60-month term
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
IRA 60-month Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Traditional, Roth, Coverdell-Educational
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
60-month Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Regular CDs
$0
2.84%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 60-month term
$0
2.84%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
IRA Certificate (Traditional, Roth or Educational) 60 Months
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
IRA Certificate Plus (Traditional, Roth or Educational) 60 Months
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
60 Month Share Certificates
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
Jumbo Certificates of Deposit 5 year
$99,000
1.00%
▼
Rate1.00%
Min Deposit$99,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate0.90%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Powered by
MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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 Ruby Valley, 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 Ruby Valley residents from institutions serving the Nevada area is 4.11% APY from Toyota Financial Savings Bank. 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.
Ruby Valley, NV CD Rate Trends
Compare local Ruby Valley, 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.
12-Month CD — NV Avg
1.951%
▼ 0.153 vs 7 days ago
Nevada 12-month CD rates fell 0.153 points over the past 7 days to 1.951% APY.
6-Month CD — NV Avg
0.918%
▼ 0.281 vs 7 days ago
Nevada 6-month CD rates fell 0.281 points over the past 7 days to 0.918% APY.
As of May 10, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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.
NV 12-Month Avg APY
1.951%
6-Month Forecast
1.951%
Range: 1.75% – 2.10%
12-Month Forecast
1.701%
Range: 1.50% – 1.85%
Powered by
MonitorBankRates
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 | 1.128% | $56.39 | $112.77 | $281.93 | $563.85 |
| 6-Month CD | 0.918% | $45.92 | $91.84 | $229.60 | $459.20 |
| 12-Month CD | 1.951% | $97.55 | $195.09 | $487.73 | $975.45 |
| 18-Month CD | 2.993% | $149.63 | $299.25 | $748.13 | $1,496.25 |
| 24-Month CD | 2.888% | $144.38 | $288.76 | $721.90 | $1,443.80 |
| 36-Month CD | 3.221% | $161.03 | $322.05 | $805.13 | $1,610.25 |
| 48-Month CD | 3.363% | $168.17 | $336.34 | $840.85 | $1,681.70 |
| 60-Month CD | 3.316% | $165.82 | $331.64 | $829.10 | $1,658.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 10, 2026. | |||||
Sample CD Ladder for Ruby Valley, 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 | 1.128% | $56.39 |
| 2 | 6-Month CD | $5,000 | 0.918% | $45.92 |
| 3 | 12-Month CD | $5,000 | 1.951% | $97.55 |
| 4 | 24-Month CD | $5,000 | 2.888% | $144.38 |
| 5 | 36-Month CD | $5,000 | 3.221% | $161.03 |
| Total ($25,000 invested) | $25,000 | 2.021% blended | $505.27/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.
156
CD Rates
Tracked in Ruby Valley, Nevada
Tracked in Ruby Valley, Nevada
9 Banks
10 Credit Unions
About Our Ruby Valley, Nevada CD Rate Database
MonitorBankRates tracks 156 CD rates from 9 banks and 10 credit unions with locations in Ruby Valley, 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: Toyota Financial Savings Bank offers a CD at 4.11% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Ruby Valley, Nevada.
How to Find the Best CD Rates in Ruby Valley, Nevada
What to compare when shopping for a CD in Ruby Valley, Nevada
To find the best APYs in Ruby Valley, Nevada, start with credit unions and online-only banks — Ruby Valley, Nevada has 10 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 Ruby Valley, 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 Ruby Valley, Nevada — 19 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Ruby Valley, Nevada savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Ruby Valley, 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)
Population 65+
17.0%
National avg: 17.3%
Median Individual Earnings
$43,016
National avg: $47,340
Poverty Rate
12.4%
National avg: 11.1%
Unemployment Rate
6.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$84/yr
At NV 12-mo avg 1.951% APY
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 1.951%, saving 10% of the local median salary ($4,301/year) and putting it in a CD would earn an additional $84 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 Ruby Valley, 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 Ruby Valley, Nevada
Are CD rates in Ruby Valley, Nevada FDIC insured?
Yes, most established banks in Ruby Valley, Nevada 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 Ruby Valley, Nevada?
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 Ruby Valley, Nevada.
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 Ruby Valley, Nevada 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 Ruby Valley, Nevada?
Here are recent top rates found for this area:
- Toyota Financial Savings Bank: 4.11% APY (60 Month Certificate of Deposit)
- America First Federal Credit Union: 4.10% APY (60 Months)
- Create Credit Union: 3.82% APY (Level Up Certificates and IRA Certificates - Variable Rate 3 Months)
- Weststar Credit Union: 3.60% APY (36 Months Term Certificate)
- Wilmington Savings Fund Society (WSFS): 3.50% APY (3-Month CD)
- Greater Nevada Credit Union: 3.50% APY (60 Months Share Certificate)
- 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 Specials)
- One Nevada Credit Union: 3.30% APY (1 Year CD)
- Credit Union 1 Credit Union Rantoul, IL: 3.25% APY (IRA Certificate Plus (Traditional, Roth or Educational) 12 Months)
Rates reflect recent verified offers available in Ruby Valley, Nevada. Last Updated: May 10, 2026
CD Calculators for Ruby Valley, Nevada
Ruby Valley, Nevada CD Calculator
At today’s NV top rate of 4.11% APY, a $10,000 deposit earns $411 in the first year. Enter your amount to see your exact return.
Ruby Valley, Nevada CD LadderNV CD rates currently range from 1.128% (3-month) to 3.221% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Ruby Valley, Nevada CD at 4.11% 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 1.951% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Ruby Valley, 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 pulling data straight 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 Ruby Valley, 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.
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: May 10, 2026
Rate Assistant
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