CD Rates Ruby Valley, Nevada (NV) for March 2026
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Brian McKay
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Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Ruby Valley, Nevada CD rates include Mountain America Federal Credit UnionMountain America Federal Credit Union7181 S Campus View Dr, West Jordan, UT 84084 4312A5.0 ★Texas Ratio: 11.38% offering Youth certificate 60-month youth certificate at 4.09% APY, InTouch Credit UnionInTouch Credit Union5640 Democracy Dr, Plano, TX 75024A5.0 ★Texas Ratio: 10.50% offering 6-Month HYC Certificate at 3.90% APY, Aloha Pacific Federal Credit UnionAloha Pacific Federal Credit Union832 S Hotel St, Honolulu, HI 96813 2573A+5.0 ★Texas Ratio: 3.29% offering 12-Month Certificate at 3.75% APY, Royal Business BankRoyal Business Bank765 Bishop St, Honolulu, HI 96813A5.0 ★Texas Ratio: 6.64% offering 6-Month CD at 3.75% APY, and UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union14550 Aviation Blvd, Hawthorne, CA 90250B4.4 ★Texas Ratio: 21.76% offering IRA Certificate Term 18-Month Variable at 3.72% APY.
To help you find the best CD rates in Ruby Valley, Nevada, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: March 22, 2026
Ruby Valley, NV CD Rate Trends
Compare local Ruby Valley, NV CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — NV Avg
1.992%
▲ 0.413 from last week
Nevada 12-month CD rates rose 0.413 points this week to 1.992% APY, up from 1.579% last week.
6-Month CD — NV Avg
0.993%
▼ 0.385 from last week
Nevada 6-month CD rates fell 0.385 points this week to 0.993% APY, down from 1.377% last week.
As of Mar 24, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
3-Month HYC Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifications Required
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
3-Month Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
3-Month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
$100,000 Minimum to Earn APY
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
7 Commerce St, Harrington, DE 19952
3-Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Churchill County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
667 S Maine St, Fallon, NV 89406 3801
3 Month Term
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMar 21, 2026
Details
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
2645 S Mojave Rd, Las Vegas, NV 89121 1238
3 Month CD
$250
2.53%
▼
Rate2.50%
Min Deposit$250
Min Balance—
UpdatedMar 21, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4040 El Dorado Rd, Placerville, CA 95667
3 Month CD
$10,000
1.24%
▼
Rate1.23%
Min Deposit$10,000
Min Balance—
UpdatedMar 13, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
3-month term Regular CDs
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4040 El Dorado Rd, Placerville, CA 95667
3 Month CD
$500
0.10%
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedMar 13, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 22, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMar 22, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
6-Month HYC Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifications Required
Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
765 Bishop St, Honolulu, HI 96813
6-Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Cathay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
777 N Broadway, Los Angeles, CA 90012
6-Month Term CD
$50,000
3.65%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMar 18, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
6-Month Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
765 Bishop St, Honolulu, HI 96813
6-Month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
6-Month Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
$1,000 minimum & early withdrawal penalty may be imposed.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
6-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
$100,000 Minimum to Earn APY
Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
765 Bishop St, Honolulu, HI 96813
6-Month CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Churchill County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
667 S Maine St, Fallon, NV 89406 3801
6 Month Term
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMar 21, 2026
Details
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
2645 S Mojave Rd, Las Vegas, NV 89121 1238
6 Month CD
$250
3.04%
▼
Rate3.00%
Min Deposit$250
Min Balance—
UpdatedMar 21, 2026
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
7 Commerce St, Harrington, DE 19952
6-Month CD
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
6-month Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
$1,000.00 minimum to open and earn APY.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
6-month term Standard CDs
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
6-month term Regular CDs
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
765 Bishop St, Honolulu, HI 96813
6-Month CD
$0
0.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
12-Month HYC Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifications Required
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
12-Month Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
$1,000 minimum & early withdrawal penalty may be imposed.
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
Youth/Young Adult 12-Month Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
765 Bishop St, Honolulu, HI 96813
12-Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
12-Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Cathay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
777 N Broadway, Los Angeles, CA 90012
12-Month Term CD
$50,000
3.50%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMar 18, 2026
Details
Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
765 Bishop St, Honolulu, HI 96813
12-Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
12-Month Share Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
IRA Certificate Term 12-Month Fixed
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedMar 22, 2026
Details
$100,000 Minimum to Earn APY
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
10345 Professional Cir, Reno, NV 89521
FB-Org Certificate of Deposit [CD] 1 year
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedMar 18, 2026
Details
Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
765 Bishop St, Honolulu, HI 96813
12-Month CD
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
2645 S Mojave Rd, Las Vegas, NV 89121 1238
1 Year CD
$250
3.30%
▼
Rate3.25%
Min Deposit$250
Min Balance—
UpdatedMar 21, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
12-month Certificate
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
$1,000.00 minimum to open and earn APY.
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
320 Kansas Ave, Fort Leavenworth, KS 66027
12-Month Certificate of Deposit IRA
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
10345 Professional Cir, Reno, NV 89521
CDARS 1 year
$250,000
3.05%
▼
Rate3.00%
Min Deposit$250,000
Min Balance—
UpdatedMar 18, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
7181 S Campus View Dr, West Jordan, UT 84084 4312
Standard certificate 18-month certificate
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
IRA Certificate Term 18-Month Variable
$100,000
3.72%
▼
Rate3.66%
Min Deposit$100,000
Min Balance—
UpdatedMar 22, 2026
Details
$100,000 Minimum to Earn APY
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
18-Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
18-month term CD Specials
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
18-month Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
$1,000.00 minimum to open and earn APY.
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
320 Kansas Ave, Fort Leavenworth, KS 66027
18-Month Certificate of Deposit IRA
$500
2.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4040 El Dorado Rd, Placerville, CA 95667
18 Month IRA
$250
0.50%
▼
Rate0.50%
Min Deposit$250
Min Balance—
UpdatedMar 13, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4040 El Dorado Rd, Placerville, CA 95667
18 Month IRA Certificates
$250
0.50%
▼
Rate0.50%
Min Deposit$250
Min Balance—
UpdatedMar 13, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4040 El Dorado Rd, Placerville, CA 95667
18 Month CD
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedMar 13, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
24-Month HYC Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifications Required
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
24-Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
24-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMar 22, 2026
Details
$100,000 Minimum to Earn APY
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
2645 S Mojave Rd, Las Vegas, NV 89121 1238
2 Year CD
$250
3.04%
▼
Rate3.00%
Min Deposit$250
Min Balance—
UpdatedMar 21, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
24-month Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
$1,000.00 minimum to open and earn APY.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
24-month term Standard CDs
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
IRA Certificates (CDs) 24-month term
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
320 Kansas Ave, Fort Leavenworth, KS 66027
24-Month Certificate of Deposit IRA
$500
2.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
24-month term Regular CDs
$0
2.34%
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
IRA Certificates (CDs) 24-month term
$0
2.34%
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4040 El Dorado Rd, Placerville, CA 95667
Jumbo Certificates of Deposit 2 year
$99,000
0.55%
▼
Rate0.55%
Min Deposit$99,000
Min Balance—
UpdatedMar 13, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4040 El Dorado Rd, Placerville, CA 95667
24 Month CD
$500
0.40%
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedMar 13, 2026
Details
Nevada B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
210 Front Street, Caliente, NV 89008
13 TO 24 MONTH JUMBO CERTIFICATE
$100,000
0.30%
▼
Rate0.30%
Min Deposit$100,000
Min Balance—
UpdatedMar 20, 2026
Details
Nevada B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
210 Front Street, Caliente, NV 89008
24 MONTH CERTIFICATE OF DEPOSIT
$1,000
0.25%
▼
Rate0.25%
Min Deposit$1,000
Min Balance—
UpdatedMar 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
36-Month HYC Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifications Required
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
IRA Certificate Term 36-Month Variable
$100,000
3.67%
▼
Rate3.61%
Min Deposit$100,000
Min Balance—
UpdatedMar 22, 2026
Details
$100,000 Minimum to Earn APY
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
36-Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
36-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
IRA Certificate Term 36-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMar 22, 2026
Details
$100,000 Minimum to Earn APY
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
2645 S Mojave Rd, Las Vegas, NV 89121 1238
3 Year CD
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
36-month Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
$1,000.00 minimum to open and earn APY.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
36-month term Standard CDs
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
IRA Certificates (CDs) 36-month term
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
36-month term Regular CDs
$0
2.49%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
IRA Certificates (CDs) 36-month term
$0
2.49%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
320 Kansas Ave, Fort Leavenworth, KS 66027
36-Month Certificate of Deposit IRA
$500
2.27%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4040 El Dorado Rd, Placerville, CA 95667
Jumbo Certificates of Deposit 3 year
$99,000
0.60%
▼
Rate0.60%
Min Deposit$99,000
Min Balance—
UpdatedMar 13, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4040 El Dorado Rd, Placerville, CA 95667
36 Month CD
$500
0.55%
▼
Rate0.55%
Min Deposit$500
Min Balance—
UpdatedMar 13, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
48-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMar 22, 2026
Details
$100,000 Minimum to Earn APY
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
48-Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
2645 S Mojave Rd, Las Vegas, NV 89121 1238
4 Year CD
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
48-month Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
$1,000.00 minimum to open and earn APY.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
IRA Certificates (CDs) 48-month term
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
48-month term Regular CDs
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
IRA Certificates (CDs) 48-month term
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
320 Kansas Ave, Fort Leavenworth, KS 66027
48-Month Certificate of Deposit IRA
$500
2.27%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
7181 S Campus View Dr, West Jordan, UT 84084 4312
Youth certificate 60-month youth certificate
$0
4.09%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
60-Month HYC Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifications Required
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
60-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMar 22, 2026
Details
$100,000 Minimum to Earn APY
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
60-Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
IRA Certificates (CDs) 60-month term
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
60-month Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
$1,000.00 minimum to open and earn APY.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
60-month term Regular CDs
$0
2.84%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
IRA Certificates (CDs) 60-month term
$0
2.84%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
320 Kansas Ave, Fort Leavenworth, KS 66027
60-Month Certificate of Deposit IRA
$500
2.27%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4040 El Dorado Rd, Placerville, CA 95667
Jumbo Certificates of Deposit 5 year
$99,000
1.00%
▼
Rate1.00%
Min Deposit$99,000
Min Balance—
UpdatedMar 13, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4040 El Dorado Rd, Placerville, CA 95667
60 Month CD
$500
0.90%
▼
Rate0.90%
Min Deposit$500
Min Balance—
UpdatedMar 13, 2026
Details
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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.
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:
- Mountain America Federal Credit Union: 4.09% APY (Youth certificate 60-month youth certificate)
- InTouch Credit Union: 3.90% APY (3-Month HYC Certificate)
- Aloha Pacific Federal Credit Union: 3.75% APY (12-Month Certificate)
- Royal Business Bank: 3.75% APY (6-Month CD)
- UNIFY Financial Federal Credit Union: 3.72% APY (IRA Certificate Term 18-Month Variable)
- Cathay Bank: 3.65% APY (6-Month Term CD)
- 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)
- One Nevada Credit Union: 3.30% APY (1 Year CD)
Rates reflect recent verified offers available in Ruby Valley, Nevada. Last Updated: March 22, 2026
CD Calculators
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: March 22, 2026
