Zephyr Cove, Nevada Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
Zephyr Cove, Nevada CD rates range from 0.02% to 5.25% APY, verified by MonitorBankRates as of October 23, 2026. Current Zephyr Cove, Nevada CD rates include Wells FargoWells Fargo212 Elks Point Rd, Zephyr Cove, NV 89448A+5.0 ★Texas Ratio: 5.36%Real return: -2.19%APY minus CPIRate verified Oct 20, 2026 offering Standard Fixed Rate CD 1 year - Relationship at 1.51% APY, Toyota Financial Savings BankToyota Financial Savings BankA+5.0 ★Texas Ratio: 1.12%Real return: +1.55%APY minus CPIRate verified Oct 21, 2026 offering 60 Month CD at 5.25% APY, Credit One Bank, N.A.Credit One Bank, N.A.A5.0 ★Texas Ratio: 9.51%Real return: +0.90%APY minus CPIRate verified Oct 20, 2026 offering High Yield Jumbo CD - 12 Months at 4.60% APY, Weststar Credit UnionWeststar Credit UnionA+5.0 ★Texas Ratio: 2.75%Real return: +0.85%APY minus CPIRate verified Oct 19, 2026 offering IRA Term Certificate - 60 Months at 4.55% APY, and Mountain America Federal Credit UnionMountain America Federal Credit UnionA5.0 ★Texas Ratio: 9.78%Real return: +0.80%APY minus CPIRate verified Oct 19, 2026 offering 24 Month Certificate at 4.50% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Zephyr Cove has 6 local institutions in our database, with CD rates as high as 1.51% APY from Wells Fargo at 212 Elks Point Rd, Zephyr Cove, NV 89448. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Nevada area. Rates are continually updated, so 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: October 23, 2026
Compare Best CD Rates in Zephyr Cove, Nevada & the Surrounding Area
Zephyr Cove 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
212 Elks Point Rd, Zephyr Cove, NV 89448
Standard Fixed Rate CD 3 month - Relationship
$2,500
0.06%
▼ 2.29% below Nevada avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.35%▼ 2.29% below avgNationally 2.13%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
212 Elks Point Rd, Zephyr Cove, NV 89448
Standard Fixed Rate CD 3 month
$2,500
0.05%
▼ 2.30% below Nevada avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.35%▼ 2.30% below avgNationally 2.13%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3-Month HYRC Certificate
$0
4.10%
▲ 1.75% above Nevada avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.35%▲ 1.75% above avgNationally 2.13%
Details
Qualifications Required; High-Yield Rewards Checking Account required; $1,000 minimum
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Sep 27, 20264.10%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
3 Month Share Certificate
$500
3.90%
▲ 1.55% above Nevada avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.35%▲ 1.55% above avgNationally 2.13%
Details
Minimum Balance $500 for rate and APY
Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
IRA Share Certificate (CD) - 3 Months
$500
3.90%
▲ 1.55% above Nevada avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.35%▲ 1.55% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
IRA Share Certificate (CD) Special Distribution - 3 Months
$500
3.90%
▲ 1.55% above Nevada avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.35%▲ 1.55% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
Share Certificate (CD) - 3 Months
$500
3.90%
▲ 1.55% above Nevada avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.35%▲ 1.55% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3-Month Certificate
$0
3.85%
▲ 1.50% above Nevada avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.35%▲ 1.50% above avgNationally 2.13%
Details
$1,000 minimum
Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Sep 27, 20263.85%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
3 Month Level Up Certificates and IRA Certificates
$500
3.82%
▲ 1.47% above Nevada avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.35%▲ 1.47% above avgNationally 2.13%
Details
Variable Rate certificate; 90-day interest penalty for early withdrawal
Rate History
No change since Oct 10, 2026 · 3.82% APY · checked 2 times
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Level Up Certificate - 3 Months
$500
3.82%
▲ 1.47% above Nevada avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.35%▲ 1.47% above avgNationally 2.13%
Details
Variable Rate certificate; 90-day interest penalty for early withdrawal; subsequent deposits allowed only within first 7 days
Rate History
No change since Oct 14, 2026 · 3.82% APY · checked 2 times
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Share Certificates - 3 Month
$500
3.75%
▲ 1.40% above Nevada avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.35%▲ 1.40% above avgNationally 2.13%
Details
Minimum $500.00
Rate History
No change since Oct 19, 2026 · 3.75% APY
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
3 Month CD
$1
3.70%
▲ 1.35% above Nevada avg
▼
Rate3.65%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.35%▲ 1.35% above avgNationally 2.13%
Details
Interest rate and APY are fixed for the initial term; early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
Churchill County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
3 Month Term CD
$1,000
3.30%
▲ 0.95% above Nevada avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.35%▲ 0.95% above avgNationally 2.13%
Details
CD rates effective February 1, 2026
Rate History
No change since Oct 23, 2026 · 3.30% APY
Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
3 Month Share Certificates
$0
3.20%
▲ 0.85% above Nevada avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.35%▲ 0.85% above avgNationally 2.13%
Details
Balance: $500.00 - $9,999.99
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.20% ▼ 0.25 pts · high 3.45% / low 3.20%
- Oct 19, 20263.20%▼ from 3.45%
- Sep 18, 20263.45%first recorded
Pahranagat Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
3-Month Certificate
$0
3.04%
▲ 0.69% above Nevada avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.35%▲ 0.69% above avgNationally 2.13%
Details
Dividend rate paid; APY 3.041%
Rate History
No change since Oct 22, 2026 · 3.04% APY · checked 2 times
Open Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
90 Day Certificate of Deposit
$1,000
3.02%
▲ 0.67% above Nevada avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average2.35%▲ 0.67% above avgNationally 2.13%
Details
Balance: $1,000.00 - $250,000.00; Business & Consumer (Personal) Certificate of Deposit Accounts
Rate History
No change since Oct 22, 2026 · 3.02% APY
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Fixed Rate CD - 3 Month
$2,500
3.00%
▲ 0.65% above Nevada avg
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.35%▲ 0.65% above avgNationally 2.13%
Details
Open Online
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
IRA Term Certificate - 3 Months
$0
3.00%
▲ 0.65% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.35%▲ 0.65% above avgNationally 2.13%
Details
Penalty may be imposed for withdrawals prior to maturity.
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Term Certificate - 3 Months
$0
3.00%
▲ 0.65% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.35%▲ 0.65% above avgNationally 2.13%
Details
Penalty may be imposed for withdrawals prior to maturity.
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
3 Month Personal CD
$0
2.78%
▲ 0.43% above Nevada avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.35%▲ 0.43% above avgNationally 2.13%
Details
Term: 3 months (90 to 179 days)
Rate History
No change since Oct 14, 2026 · 2.78% APY · checked 2 times
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
3 Month CD
$0
2.53%
▲ 0.18% above Nevada avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.35%▲ 0.18% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 8 times
Elko Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Term Share Certificate - 3 Month
$1,000
2.02%
▼ 0.33% below Nevada avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.35%▼ 0.33% below avgNationally 2.13%
Details
Rate History
No change since Oct 15, 2026 · 2.02% APY · checked 2 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 3 Months - With Bonus Rate
$0
1.60%
▼ 0.75% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.35%▼ 0.75% below avgNationally 2.13%
Details
Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 23, 2026 · 1.60% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 3 Months - Bonus Rate
$0
1.60%
▼ 0.75% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.35%▼ 0.75% below avgNationally 2.13%
Details
Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate
Rate History
No change since Oct 23, 2026 · 1.60% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.55%
▼ 0.80% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.35%▼ 0.80% below avgNationally 2.13%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 1.55% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.50%
▼ 0.85% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.35%▼ 0.85% below avgNationally 2.13%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 1.50% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 3 Months
$0
1.50%
▼ 0.85% below Nevada avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.35%▼ 0.85% below avgNationally 2.13%
Details
Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 12, 2026 · 1.50% APY · checked 3 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 3 Months
$0
1.50%
▼ 0.85% below Nevada avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.35%▼ 0.85% below avgNationally 2.13%
Details
Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply
Rate History
No change since Oct 15, 2026 · 1.50% APY · checked 2 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
3 Month CD
$10,000
1.24%
▼ 1.11% below Nevada avg
▼
Rate1.23%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average2.35%▼ 1.11% below avgNationally 2.13%
Details
Minimum opening deposit $10,000 tier
Rate History
No change since Sep 20, 2026 · 1.24% APY · checked 8 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
Certificate of Deposit [CD] Jumbo - 3 months
$50,000
1.10%
▼ 1.25% below Nevada avg
▼
Rate1.09%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.35%▼ 1.25% below avgNationally 2.13%
Details
Balance: $50,000 and up; Jumbo CD; Valid for IRAs
Rate History
No change since Oct 21, 2026 · 1.10% APY
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
Certificate of Deposit [CD] - 3 months
$1,000
1.00%
▼ 1.35% below Nevada avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.35%▼ 1.35% below avgNationally 2.13%
Details
Balance: $1,000 to $49,999; Valid for IRAs
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 8 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3 Month Standard CDs - Rewards
$0
0.60%
▼ 1.75% below Nevada avg
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.35%▼ 1.75% below avgNationally 2.13%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 0.60% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3 Month Standard CDs - Regular
$0
0.50%
▼ 1.85% below Nevada avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.35%▼ 1.85% below avgNationally 2.13%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 2 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$1,000
0.10%
▼ 2.25% below Nevada avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average2.35%▼ 2.25% below avgNationally 2.13%
Details
Tier: $90,000+; Renewal Term: 3 Months
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 5 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
3 Month CD
$500
0.10%
▼ 2.25% below Nevada avg
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average2.35%▼ 2.25% below avgNationally 2.13%
Details
Minimum opening deposit $500 tier
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 8 times
Wells Fargo National Bank West
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
3 month Standard Fixed Rate - Relationship
$2,500
0.06%
▼ 2.29% below Nevada avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average2.35%▼ 2.29% below avgNationally 2.13%
Details
California counties only; Relationship Interest Rate/APY; requires linked Prime, Premier or Private Bank Interest Checking; Balance: $0 - $4,999.99; $2,500 minimum opening deposit; Early withdrawal penalties may apply
Rate History
No change since Oct 22, 2026 · 0.06% APY
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$1,000
0.05%
▼ 2.30% below Nevada avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average2.35%▼ 2.30% below avgNationally 2.13%
Details
Tier: $1,000+; Renewal Term: 3 Months
Rate History
1 change since Sep 24, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05%
- Oct 7, 20260.05%▼ from 0.10%
- Sep 24, 20260.10%first recorded
Wells Fargo National Bank West
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
3 month Standard Fixed Rate
$2,500
0.05%
▼ 2.30% below Nevada avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average2.35%▼ 2.30% below avgNationally 2.13%
Details
California counties only; Balance: $0 - $4,999.99; $2,500 minimum opening deposit; Early withdrawal penalties may apply
Rate History
No change since Oct 22, 2026 · 0.05% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.30% below Nevada avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.35%▼ 2.30% below avgNationally 2.13%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month Standard CD
$1,000
0.05%
▼ 2.30% below Nevada avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.35%▼ 2.30% below avgNationally 2.13%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
Zephyr Cove 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
212 Elks Point Rd, Zephyr Cove, NV 89448
Standard Fixed Rate CD 6 month - Relationship
$2,500
0.06%
▼ 2.68% below Nevada avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.74%▼ 2.68% below avgNationally 2.78%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
212 Elks Point Rd, Zephyr Cove, NV 89448
Standard Fixed Rate CD 6 month
$2,500
0.05%
▼ 2.69% below Nevada avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.74%▼ 2.69% below avgNationally 2.78%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 4 times
Credit One Bank, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
High Yield Jumbo CD - 6 Months
$100,000
4.25%
▲ 1.51% above Nevada avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.74%▲ 1.51% above avgNationally 2.78%
Details
Loyalty Rate: 0.05%; $100,000 minimum balance required to open and to earn stated APY
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 6-Month Fixed Rate CD
$10,000
4.23%
▲ 1.49% above Nevada avg
▼
Rate4.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.74%▲ 1.49% above avgNationally 2.78%
Details
New money deposits required; $10,000 minimum opening deposit
Rate History
1 change since Oct 14, 2026 · 4.00% → 4.23% ▲ 0.23 pts · high 4.23% / low 4.00%
- Oct 20, 20264.23%▲ from 4.00%
- Oct 14, 20264.00%first recorded
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6-Month HYRC Certificate
$0
4.10%
▲ 1.36% above Nevada avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.74%▲ 1.36% above avgNationally 2.78%
Details
Qualifications Required; High-Yield Rewards Checking Account required; $1,000 minimum
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Sep 27, 20264.10%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month Business CD
$2,500
4.10%
▲ 1.36% above Nevada avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average2.74%▲ 1.36% above avgNationally 2.78%
Details
APY accurate as of 10/22/2026; maximum deposit $10 million; not available for public units; limited-time offer; early withdrawal penalties apply
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month CD
$2,500
4.10%
▲ 1.36% above Nevada avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average2.74%▲ 1.36% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Oct 10, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6 Month Share Certificate
$500
3.95%
▲ 1.21% above Nevada avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.74%▲ 1.21% above avgNationally 2.78%
Details
Minimum Balance $500 for rate and APY
Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
IRA Share Certificate (CD) - 6 Months
$500
3.95%
▲ 1.21% above Nevada avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.74%▲ 1.21% above avgNationally 2.78%
Details
Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
IRA Share Certificate (CD) Special Distribution - 6 Months
$500
3.95%
▲ 1.21% above Nevada avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.74%▲ 1.21% above avgNationally 2.78%
Details
Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
Share Certificate (CD) - 6 Months
$500
3.95%
▲ 1.21% above Nevada avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.74%▲ 1.21% above avgNationally 2.78%
Details
Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 2 times
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Share Certificates - 6 Month
$500
3.90%
▲ 1.16% above Nevada avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.74%▲ 1.16% above avgNationally 2.78%
Details
Minimum $500.00
Rate History
No change since Oct 19, 2026 · 3.90% APY
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Level Up Certificate - 6 Months
$500
3.87%
▲ 1.13% above Nevada avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.74%▲ 1.13% above avgNationally 2.78%
Details
Variable Rate certificate; 90-day interest penalty for early withdrawal; subsequent deposits allowed only within first 7 days
Rate History
No change since Oct 14, 2026 · 3.87% APY · checked 2 times
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
6 Month CD
$1
3.85%
▲ 1.11% above Nevada avg
▼
Rate3.80%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.74%▲ 1.11% above avgNationally 2.78%
Details
Interest rate and APY are fixed for the initial term; early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6-Month Certificate
$0
3.85%
▲ 1.11% above Nevada avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.74%▲ 1.11% above avgNationally 2.78%
Details
$1,000 minimum
Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Sep 27, 20263.85%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificate of Deposit - 6 Month
$0
3.85%
▲ 1.11% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.74%▲ 1.11% above avgNationally 2.78%
Details
Rate History
No change since Oct 19, 2026 · 3.85% APY
Elko Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Term Share Certificate - 6 Month
$1,000
3.82%
▲ 1.08% above Nevada avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.74%▲ 1.08% above avgNationally 2.78%
Details
Rate History
No change since Oct 15, 2026 · 3.82% APY · checked 2 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
Certificate of Deposit [CD] Jumbo - 6 months
$50,000
3.80%
▲ 1.06% above Nevada avg
▼
Rate3.73%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.74%▲ 1.06% above avgNationally 2.78%
Details
Balance: $50,000 and up; Jumbo CD; Valid for IRAs
Rate History
No change since Oct 21, 2026 · 3.80% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month Term CD
$1,000
3.75%
▲ 1.01% above Nevada avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.74%▲ 1.01% above avgNationally 2.78%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 6-Month
$1,000
3.75%
▲ 1.01% above Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.74%▲ 1.01% above avgNationally 2.78%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 3.75% APY
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
Certificate of Deposit [CD] - 6 months
$1,000
3.70%
▲ 0.96% above Nevada avg
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.74%▲ 0.96% above avgNationally 2.78%
Details
Balance: $1,000 to $49,999; Valid for IRAs
Rate History
1 change since Sep 19, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
- Sep 27, 20263.70%▲ from 3.55%
- Sep 19, 20263.55%first recorded
Open Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
180 Day Certificate of Deposit
$1,000
3.50%
▲ 0.76% above Nevada avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average2.74%▲ 0.76% above avgNationally 2.78%
Details
Balance: $1,000.00 - $250,000.00; Business & Consumer (Personal) Certificate of Deposit Accounts
Rate History
No change since Oct 22, 2026 · 3.50% APY
Churchill County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 Month Term CD
$1,000
3.30%
▲ 0.56% above Nevada avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.74%▲ 0.56% above avgNationally 2.78%
Details
CD rates effective February 1, 2026
Rate History
No change since Oct 23, 2026 · 3.30% APY
Pahranagat Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
6-Month Certificate
$0
3.30%
▲ 0.56% above Nevada avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.74%▲ 0.56% above avgNationally 2.78%
Details
Dividend rate paid; APY 3.298%
Rate History
No change since Oct 22, 2026 · 3.30% APY · checked 2 times
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Term Share Certificate - 6 months
$1,000
3.25%
▲ 0.51% above Nevada avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.74%▲ 0.51% above avgNationally 2.78%
Details
Minimum $1,000 Deposit
Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 8 times
Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
6 Month Share Certificates
$0
3.20%
▲ 0.46% above Nevada avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.74%▲ 0.46% above avgNationally 2.78%
Details
Balance: $500.00 - $9,999.99
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.20% ▼ 0.25 pts · high 3.45% / low 3.20%
- Oct 19, 20263.20%▼ from 3.45%
- Sep 18, 20263.45%first recorded
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
IRA Term Certificate - 6 Months
$0
3.15%
▲ 0.41% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.74%▲ 0.41% above avgNationally 2.78%
Details
Penalty may be imposed for withdrawals prior to maturity.
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Term Certificate - 6 Months
$0
3.15%
▲ 0.41% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.74%▲ 0.41% above avgNationally 2.78%
Details
Penalty may be imposed for withdrawals prior to maturity.
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 4 times
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
6 Month CD
$0
3.04%
▲ 0.30% above Nevada avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.74%▲ 0.30% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 8 times
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Fixed Rate CD - 6 Month
$2,500
3.00%
▲ 0.26% above Nevada avg
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.74%▲ 0.26% above avgNationally 2.78%
Details
Open Online
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
6-month Certificate
$1,000
3.00%
▲ 0.26% above Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.74%▲ 0.26% above avgNationally 2.78%
Details
Minimum $1,000.00 to open and earn APY; early penalties may apply before maturity
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
6 Month Personal CD
$0
2.84%
▲ 0.10% above Nevada avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.74%▲ 0.10% above avgNationally 2.78%
Details
Term: 6 months (180 to 269 days)
Rate History
No change since Oct 14, 2026 · 2.84% APY · checked 2 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
6 Month Certificate
$10,000
2.00%
▼ 0.74% below Nevada avg
▼
Rate1.98%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.74%▼ 0.74% below avgNationally 2.78%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
IRA Certificate Plus - 6 Months
$10,000
2.00%
▼ 0.74% below Nevada avg
▼
Rate1.98%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.74%▼ 0.74% below avgNationally 2.78%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Oct 19, 2026 · 2.00% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Share Certificate (CD) - 6 Months
$1,000
2.00%
▼ 0.74% below Nevada avg
▼
Rate1.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.74%▼ 0.74% below avgNationally 2.78%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 2 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Share Certificate - 6 Months
$10,000
2.00%
▼ 0.74% below Nevada avg
▼
Rate1.98%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.74%▼ 0.74% below avgNationally 2.78%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 6 Months - With Bonus Rate
$0
1.65%
▼ 1.09% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.74%▼ 1.09% below avgNationally 2.78%
Details
Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 23, 2026 · 1.65% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 6 Months - Bonus Rate
$0
1.65%
▼ 1.09% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.74%▼ 1.09% below avgNationally 2.78%
Details
Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate
Rate History
No change since Oct 23, 2026 · 1.65% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 6 Months
$0
1.55%
▼ 1.19% below Nevada avg
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.74%▼ 1.19% below avgNationally 2.78%
Details
Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 12, 2026 · 1.55% APY · checked 3 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 6 Months
$0
1.55%
▼ 1.19% below Nevada avg
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.74%▼ 1.19% below avgNationally 2.78%
Details
Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply
Rate History
No change since Oct 15, 2026 · 1.55% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
6 Month Standard CDs - Rewards
$0
1.35%
▼ 1.39% below Nevada avg
▼
Rate1.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.74%▼ 1.39% below avgNationally 2.78%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 1.35% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
6 Month Standard CDs - Regular
$0
1.25%
▼ 1.49% below Nevada avg
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.74%▼ 1.49% below avgNationally 2.78%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
6 Month Share Certificate
$0
0.90%
▼ 1.84% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.74%▼ 1.84% below avgNationally 2.78%
Details
Balance: $5,000 to $100,000; Last Updated: July 30, 2024
Rate History
No change since Oct 22, 2026 · 0.90% APY · checked 2 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6 Month Share Certificate
$100,000
0.30%
▼ 2.44% below Nevada avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.74%▼ 2.44% below avgNationally 2.78%
Details
Balance: $100,000 and over
Rate History
No change since Oct 6, 2026 · 0.30% APY · checked 2 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6 Month Share Certificate
$1,000
0.25%
▼ 2.49% below Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.74%▼ 2.49% below avgNationally 2.78%
Details
Balance: $1,000 - $99,999
Rate History
1 change since Oct 6, 2026 · 0.30% → 0.25% ▼ 0.05 pts · high 0.30% / low 0.25%
- Oct 19, 20260.25%▼ from 0.30%
- Oct 6, 20260.30%first recorded
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
6 Month CD
$500
0.16%
▼ 2.58% below Nevada avg
▼
Rate0.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average2.74%▼ 2.58% below avgNationally 2.78%
Details
Rate History
No change since Sep 20, 2026 · 0.16% APY · checked 8 times
Nevada B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
6 MONTH CERTIFICATE OF DEPOSIT
$1,000
0.15%
▼ 2.59% below Nevada avg
▼
Rate0.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.74%▼ 2.59% below avgNationally 2.78%
Details
A penalty will be imposed for early withdrawal; Current as of 02/04/2026
Rate History
No change since Sep 11, 2026 · 0.15% APY · checked 11 times
Wells Fargo National Bank West
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
6 month Standard Fixed Rate - Relationship
$2,500
0.06%
▼ 2.68% below Nevada avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average2.74%▼ 2.68% below avgNationally 2.78%
Details
California counties only; Relationship Interest Rate/APY; requires linked Prime, Premier or Private Bank Interest Checking; Balance: $0 - $4,999.99; $2,500 minimum opening deposit; Early withdrawal penalties may apply
Rate History
No change since Oct 22, 2026 · 0.06% APY
Wells Fargo National Bank West
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
6 month Standard Fixed Rate
$2,500
0.05%
▼ 2.69% below Nevada avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average2.74%▼ 2.69% below avgNationally 2.78%
Details
California counties only; Balance: $0 - $4,999.99; $2,500 minimum opening deposit; Early withdrawal penalties may apply
Rate History
No change since Oct 22, 2026 · 0.05% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.69% below Nevada avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.74%▼ 2.69% below avgNationally 2.78%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
Zephyr Cove 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
212 Elks Point Rd, Zephyr Cove, NV 89448
Standard Fixed Rate CD 1 year - Relationship
$2,500
1.51%
▼ 1.58% below Nevada avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average3.09%▼ 1.58% below avgNationally 2.99%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
212 Elks Point Rd, Zephyr Cove, NV 89448
Standard Fixed Rate CD 1 year
$2,500
1.50%
▼ 1.59% below Nevada avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average3.09%▼ 1.59% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 4 times
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
12 Month CD
$1
4.68%
▲ 1.59% above Nevada avg
▼
Rate4.60%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average3.09%▲ 1.59% above avgNationally 2.99%
Details
Interest rate and APY are fixed for the initial term; early withdrawal penalty applies
Rate History
3 changes since Sep 14, 2026 · 4.11% → 4.68% ▲ 0.57 pts · high 4.68% / low 4.11%
- Oct 21, 20264.68%▲ from 4.58%
- Oct 7, 20264.58%▲ from 4.32%
- Sep 24, 20264.32%▲ from 4.11%
- Sep 14, 20264.11%first recorded
Credit One Bank, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
High Yield Jumbo CD - 12 Months
$100,000
4.60%
▲ 1.51% above Nevada avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average3.09%▲ 1.51% above avgNationally 2.99%
Details
Loyalty Rate: 0.05%; $100,000 minimum balance required to open and to earn stated APY
Rate History
No change since Oct 20, 2026 · 4.60% APY · checked 2 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 12-Month Fixed Rate CD
$2,500
4.39%
▲ 1.30% above Nevada avg
▼
Rate4.30%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average3.09%▲ 1.30% above avgNationally 2.99%
Details
New money deposits required; $2,500 minimum opening deposit
Rate History
1 change since Oct 14, 2026 · 4.11% → 4.39% ▲ 0.28 pts · high 4.39% / low 4.11%
- Oct 20, 20264.39%▲ from 4.11%
- Oct 14, 20264.11%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.26% above Nevada avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average3.09%▲ 1.26% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 6 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month Business CD
$500
4.30%
▲ 1.21% above Nevada avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average3.09%▲ 1.21% above avgNationally 2.99%
Details
APY accurate as of 10/22/2026; maximum deposit $10 million; not available for public units; limited-time offer; early withdrawal penalties apply
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 3 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month CD
$500
4.30%
▲ 1.21% above Nevada avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average3.09%▲ 1.21% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 10, 20264.30%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificate of Deposit - 12 Month
$0
4.30%
▲ 1.21% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.09%▲ 1.21% above avgNationally 2.99%
Details
Rate History
No change since Oct 19, 2026 · 4.30% APY
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
1 Year FB-Org Certificate of Deposit [CD]
$1,000
4.15%
▲ 1.06% above Nevada avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average3.09%▲ 1.06% above avgNationally 2.99%
Details
$1,000 Minimum Initial Deposit; Available to Farm Bureau organization customers only; Penalty may be imposed for withdrawals before maturity
Rate History
No change since Sep 19, 2026 · 4.15% APY · checked 8 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.10%
▲ 1.01% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average3.09%▲ 1.01% above avgNationally 2.99%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
Certificate of Deposit [CD] Jumbo - 1 year
$50,000
4.10%
▲ 1.01% above Nevada avg
▼
Rate4.02%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average3.09%▲ 1.01% above avgNationally 2.99%
Details
Balance: $50,000 and up; Jumbo CD; Valid for IRAs
Rate History
No change since Oct 21, 2026 · 4.10% APY
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
12-Month HYRC Certificate
$0
4.10%
▲ 1.01% above Nevada avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.09%▲ 1.01% above avgNationally 2.99%
Details
Qualifications Required; High-Yield Rewards Checking Account required; $1,000 minimum
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Sep 27, 20264.10%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.05%
▲ 0.96% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average3.09%▲ 0.96% above avgNationally 2.99%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.05% APY
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
12 Month Certificate
$0
4.05%
▲ 0.96% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.09%▲ 0.96% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
- Oct 5, 20264.05%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Level Up Certificate - 12 Months
$500
4.02%
▲ 0.93% above Nevada avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.09%▲ 0.93% above avgNationally 2.99%
Details
Variable Rate certificate; 90-day interest penalty for early withdrawal; subsequent deposits allowed only within first 7 days
Rate History
No change since Oct 14, 2026 · 4.02% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month EasyStart Certificate
$50
4.00%
▲ 0.91% above Nevada avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average3.09%▲ 0.91% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.00% APY
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
Certificate of Deposit [CD] - 1 year
$1,000
4.00%
▲ 0.91% above Nevada avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average3.09%▲ 0.91% above avgNationally 2.99%
Details
Balance: $1,000 to $49,999; Valid for IRAs
Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 8 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year Term CD
$1,000
4.00%
▲ 0.91% above Nevada avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.09%▲ 0.91% above avgNationally 2.99%
Details
Rate History
No change since Oct 19, 2026 · 4.00% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 1-Year
$1,000
4.00%
▲ 0.91% above Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.09%▲ 0.91% above avgNationally 2.99%
Details
Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term
Rate History
No change since Oct 19, 2026 · 4.00% APY
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
12 Month Share Certificate
$500
3.95%
▲ 0.86% above Nevada avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.09%▲ 0.86% above avgNationally 2.99%
Details
Minimum Balance $500 for rate and APY
Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
IRA Share Certificate (CD) - 12 Months
$500
3.95%
▲ 0.86% above Nevada avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.09%▲ 0.86% above avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
IRA Share Certificate (CD) Special Distribution - 12 Months
$500
3.95%
▲ 0.86% above Nevada avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.09%▲ 0.86% above avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
Share Certificate (CD) - 12 Months
$500
3.95%
▲ 0.86% above Nevada avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.09%▲ 0.86% above avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 2 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
Youth/Young Adult 12-Month Certificate
$0
3.90%
▲ 0.81% above Nevada avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.09%▲ 0.81% above avgNationally 2.99%
Details
Balance: $250 minimum to earn dividends; Special Offers section
Rate History
1 change since Sep 18, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
- Sep 27, 20263.90%▲ from 3.80%
- Sep 18, 20263.80%first recorded
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
12-Month Certificate
$0
3.85%
▲ 0.76% above Nevada avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.09%▲ 0.76% above avgNationally 2.99%
Details
$1,000 minimum
Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Sep 27, 20263.85%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
1 Year CD with Step-Up Option - Jumbo CD
$50,000
3.75%
▲ 0.66% above Nevada avg
▼
Rate3.68%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average3.09%▲ 0.66% above avgNationally 2.99%
Details
Balance: $50,000 and up; IRA CDs only available for 6-month to 5-year terms
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
IRA Certificate Accounts - 12 months
$0
3.75%
▲ 0.66% above Nevada avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average3.09%▲ 0.66% above avgNationally 2.99%
Details
Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 4 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
12 Month Share Certificate
$1,000
3.75%
▲ 0.66% above Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.09%▲ 0.66% above avgNationally 2.99%
Details
Rate History
1 change since Oct 6, 2026 · 0.35% → 3.75% ▲ 3.40 pts · high 3.75% / low 0.35%
- Oct 19, 20263.75%▲ from 0.35%
- Oct 6, 20260.35%first recorded
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
1 Year CD with Step-Up Option
$1,000
3.65%
▲ 0.56% above Nevada avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average3.09%▲ 0.56% above avgNationally 2.99%
Details
Balance: $1,000 to $49,999; IRA CDs only available for 6-month to 5-year terms
Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 7 times
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
12-Month Share Certificate
$0
3.60%
▲ 0.51% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.09%▲ 0.51% above avgNationally 2.99%
Details
Rates as high as; Featured rate from compare-rates page promo card
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Share Certificates - 12 Month
$500
3.60%
▲ 0.51% above Nevada avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.09%▲ 0.51% above avgNationally 2.99%
Details
Minimum $500.00
Rate History
No change since Oct 19, 2026 · 3.60% APY
Elko Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Term Share Certificate - 12 Month
$1,000
3.56%
▲ 0.47% above Nevada avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average3.09%▲ 0.47% above avgNationally 2.99%
Details
Rate History
No change since Oct 15, 2026 · 3.56% APY · checked 2 times
Pahranagat Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
12-Month Certificate
$0
3.56%
▲ 0.47% above Nevada avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average3.09%▲ 0.47% above avgNationally 2.99%
Details
Dividend rate paid; APY 3.556%
Rate History
No change since Oct 22, 2026 · 3.56% APY · checked 2 times
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificate of Deposit 12-Month
$500
3.55%
▲ 0.46% above Nevada avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average3.09%▲ 0.46% above avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 4 times
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Term Share Certificate - 12 months
$1,000
3.55%
▲ 0.46% above Nevada avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average3.09%▲ 0.46% above avgNationally 2.99%
Details
Minimum $1,000 Deposit
Rate History
No change since Sep 12, 2026 · 3.55% APY · checked 8 times
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1 Year Achieve My Dream Certificate
$250
3.50%
▲ 0.41% above Nevada avg
▼
Rate3.46%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average3.09%▲ 0.41% above avgNationally 2.99%
Details
Miscellaneous Certificate Rates; $250 minimum, 1 yr term; Jr. Savers & Young Investors only
Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 8 times
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
1 Year Payday Certificate
$250
3.50%
▲ 0.41% above Nevada avg
▼
Rate3.46%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average3.09%▲ 0.41% above avgNationally 2.99%
Details
Miscellaneous Certificate Rates; $250 minimum, 1 yr term
Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 8 times
Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
12 Month Share Certificates
$0
3.40%
▲ 0.31% above Nevada avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.09%▲ 0.31% above avgNationally 2.99%
Details
Balance: $500.00 - $9,999.99
Rate History
1 change since Sep 18, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
- Oct 19, 20263.40%▲ from 3.15%
- Sep 18, 20263.15%first recorded
Open Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Installment Account - 12-Month Term
$0
3.30%
▲ 0.21% above Nevada avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average3.09%▲ 0.21% above avgNationally 2.99%
Details
Business & Consumer (Personal) Installment Accounts (with automatic Monthly Internal Funds Transfers); Contract amount $1,000 to $100,000; fixed for initial term
Rate History
No change since Oct 22, 2026 · 3.30% APY
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
IRA Term Certificate - 12 Months
$0
3.30%
▲ 0.21% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.09%▲ 0.21% above avgNationally 2.99%
Details
Penalty may be imposed for withdrawals prior to maturity.
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Term Certificate - 12 Months
$0
3.30%
▲ 0.21% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.09%▲ 0.21% above avgNationally 2.99%
Details
Penalty may be imposed for withdrawals prior to maturity.
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1 Year CD
$0
3.30%
▲ 0.21% above Nevada avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.09%▲ 0.21% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 8 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
12 Month Certificate
$10,000
3.25%
▲ 0.16% above Nevada avg
▼
Rate3.20%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.09%▲ 0.16% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
IRA Certificate Plus - 12 Months
$10,000
3.25%
▲ 0.16% above Nevada avg
▼
Rate3.20%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.09%▲ 0.16% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Oct 19, 2026 · 3.25% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Share Certificate (CD) - 12 Months
$1,000
3.25%
▲ 0.16% above Nevada avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.09%▲ 0.16% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 2 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Share Certificate - 12 Months
$10,000
3.25%
▲ 0.16% above Nevada avg
▼
Rate3.20%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.09%▲ 0.16% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
12-month Certificate
$1,000
3.00%
▼ 0.09% below Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average3.09%▼ 0.09% below avgNationally 2.99%
Details
Minimum $1,000.00 to open and earn APY; early penalties may apply before maturity
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
12 Month IRA Certificate
$1,000
3.00%
▼ 0.09% below Nevada avg
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.09%▼ 0.09% below avgNationally 2.99%
Details
Account types: Traditional
Rate History
No change since Oct 19, 2026 · 3.00% APY
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Fixed Rate CD - 12 Month
$2,500
2.75%
▼ 0.34% below Nevada avg
▼
Rate2.71%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average3.09%▼ 0.34% below avgNationally 2.99%
Details
Open Online
Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 2 times
Zephyr Cove 18 Month CD Rates
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: 1.12%
18 Month CD
$1
4.84%
▲ 1.49% above Nevada avg
▼
Rate4.75%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average3.35%▲ 1.49% above avgNationally 2.88%
Details
Interest rate and APY are fixed for the initial term; early withdrawal penalty applies
Rate History
3 changes since Sep 14, 2026 · 4.27% → 4.84% ▲ 0.57 pts · high 4.84% / low 4.27%
- Oct 21, 20264.84%▲ from 4.73%
- Oct 7, 20264.73%▲ from 4.47%
- Sep 24, 20264.47%▲ from 4.27%
- Sep 14, 20264.27%first recorded
Credit One Bank, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
High Yield Jumbo CD - 18 Months
$100,000
4.50%
▲ 1.15% above Nevada avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average3.35%▲ 1.15% above avgNationally 2.88%
Details
Loyalty Rate: 0.05%; $100,000 minimum balance required to open and to earn stated APY
Rate History
No change since Oct 20, 2026 · 4.50% APY · checked 2 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificate of Deposit - 18 Month
$0
4.35%
▲ 1.00% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.35%▲ 1.00% above avgNationally 2.88%
Details
Rate History
No change since Oct 19, 2026 · 4.35% APY
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-Month CD
$500
4.25%
▲ 0.90% above Nevada avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average3.35%▲ 0.90% above avgNationally 2.88%
Details
Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15%
▲ 0.80% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average3.35%▲ 0.80% above avgNationally 2.88%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.15% APY
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
18 Month Certificate
$0
4.15%
▲ 0.80% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.35%▲ 0.80% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 5, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10%
▲ 0.75% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average3.35%▲ 0.75% above avgNationally 2.88%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Level Up Certificate - 18 Months
$500
4.07%
▲ 0.72% above Nevada avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.35%▲ 0.72% above avgNationally 2.88%
Details
Variable Rate certificate; 180-day interest penalty for early withdrawal; subsequent deposits allowed only within first 7 days
Rate History
No change since Oct 14, 2026 · 4.07% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
18 Month Share Certificate
$500
4.05%
▲ 0.70% above Nevada avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.35%▲ 0.70% above avgNationally 2.88%
Details
Minimum Balance $500 for rate and APY
Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
IRA Share Certificate (CD) - 18 Months
$500
4.05%
▲ 0.70% above Nevada avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.35%▲ 0.70% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
IRA Share Certificate (CD) Special Distribution - 18 Months
$500
4.05%
▲ 0.70% above Nevada avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.35%▲ 0.70% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
Share Certificate (CD) - 18 Months
$500
4.05%
▲ 0.70% above Nevada avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.35%▲ 0.70% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 2 times
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
IRA Certificate Accounts - 18 months
$0
4.00%
▲ 0.65% above Nevada avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average3.35%▲ 0.65% above avgNationally 2.88%
Details
Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 4 times
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
IRA Term Certificate - 18 Months
$0
3.95%
▲ 0.60% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.35%▲ 0.60% above avgNationally 2.88%
Details
Penalty may be imposed for withdrawals prior to maturity.
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Term Certificate - 18 Months
$0
3.95%
▲ 0.60% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.35%▲ 0.60% above avgNationally 2.88%
Details
Penalty may be imposed for withdrawals prior to maturity.
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80%
▲ 0.45% above Nevada avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.35%▲ 0.45% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Rewards
$0
3.80%
▲ 0.45% above Nevada avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.35%▲ 0.45% above avgNationally 2.88%
Details
Rewards APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular
$0
3.80%
▲ 0.45% above Nevada avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.35%▲ 0.45% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Rewards
$0
3.80%
▲ 0.45% above Nevada avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.35%▲ 0.45% above avgNationally 2.88%
Details
Rewards APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
IRA CD Specials - 18-month term
$0
3.80%
▲ 0.45% above Nevada avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.35%▲ 0.45% above avgNationally 2.88%
Details
Rewards APY
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Oct 19, 20263.80%▲ from 3.65%
- Sep 14, 20263.65%first recorded
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
18-Month Certificate
$0
3.80%
▲ 0.45% above Nevada avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.35%▲ 0.45% above avgNationally 2.88%
Details
$1,000 minimum
Rate History
1 change since Sep 18, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
- Sep 27, 20263.80%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificate of Deposit 18-Month
$500
3.75%
▲ 0.40% above Nevada avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average3.35%▲ 0.40% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month EasyStart Certificate
$50
3.70%
▲ 0.35% above Nevada avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average3.35%▲ 0.35% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.70% APY
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Term Share Certificate - 18 months
$1,000
3.60%
▲ 0.25% above Nevada avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average3.35%▲ 0.25% above avgNationally 2.88%
Details
Minimum $1,000 Deposit
Rate History
No change since Sep 12, 2026 · 3.60% APY · checked 8 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
Certificate of Deposit [CD] Jumbo - 18 months
$50,000
3.45%
▲ 0.10% above Nevada avg
▼
Rate3.39%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average3.35%▲ 0.10% above avgNationally 2.88%
Details
Balance: $50,000 and up; Jumbo CD; Valid for IRAs
Rate History
No change since Oct 21, 2026 · 3.45% APY
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
Certificate of Deposit [CD] - 18 months
$1,000
3.35%
At Nevada avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average3.35%At the averageNationally 2.88%
Details
Balance: $1,000 to $49,999; Valid for IRAs
Rate History
No change since Sep 19, 2026 · 3.35% APY · checked 8 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
18 Month CD with Step-Up Option - Jumbo CD
$50,000
3.20%
▼ 0.15% below Nevada avg
▼
Rate3.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average3.35%▼ 0.15% below avgNationally 2.88%
Details
Balance: $50,000 and up; IRA CDs only available for 6-month to 5-year terms
Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 5 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
18 Month CD with Step-Up Option
$1,000
3.10%
▼ 0.25% below Nevada avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average3.35%▼ 0.25% below avgNationally 2.88%
Details
Balance: $1,000 to $49,999; IRA CDs only available for 6-month to 5-year terms
Rate History
No change since Sep 24, 2026 · 3.10% APY · checked 7 times
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
18-month Certificate
$1,000
3.00%
▼ 0.35% below Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average3.35%▼ 0.35% below avgNationally 2.88%
Details
Minimum $1,000.00 to open and earn APY; early penalties may apply before maturity
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
18-Month Term CD
$1,000
2.75%
▼ 0.60% below Nevada avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.35%▼ 0.60% below avgNationally 2.88%
Details
Rate History
No change since Oct 19, 2026 · 2.75% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 18-Month
$1,000
2.75%
▼ 0.60% below Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.35%▼ 0.60% below avgNationally 2.88%
Details
Minimum of $1,000 to open your account; 18-Month CD renews as a 2-Year Term CD at the then-published APY
Rate History
No change since Oct 19, 2026 · 2.75% APY
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Fixed Rate CD - 18 Month
$2,500
2.50%
▼ 0.85% below Nevada avg
▼
Rate2.47%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average3.35%▼ 0.85% below avgNationally 2.88%
Details
Open Online
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 2 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 18 Months - With Bonus Rate
$0
1.75%
▼ 1.60% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average3.35%▼ 1.60% below avgNationally 2.88%
Details
Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 23, 2026 · 1.75% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 18 Months - Bonus Rate
$0
1.75%
▼ 1.60% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average3.35%▼ 1.60% below avgNationally 2.88%
Details
Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate
Rate History
No change since Oct 23, 2026 · 1.75% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 18 Months
$0
1.65%
▼ 1.70% below Nevada avg
▼
Rate1.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average3.35%▼ 1.70% below avgNationally 2.88%
Details
Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 12, 2026 · 1.65% APY · checked 3 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 18 Months
$0
1.65%
▼ 1.70% below Nevada avg
▼
Rate1.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average3.35%▼ 1.70% below avgNationally 2.88%
Details
Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply
Rate History
No change since Oct 15, 2026 · 1.65% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.60% below Nevada avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.35%▼ 2.60% below avgNationally 2.88%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
18 Month Standard CD
$1,000
0.75%
▼ 2.60% below Nevada avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average3.35%▼ 2.60% below avgNationally 2.88%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
18 Month IRA
$250
0.50%
▼ 2.85% below Nevada avg
▼
Rate0.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average3.35%▼ 2.85% below avgNationally 2.88%
Details
Rate History
No change since Sep 20, 2026 · 0.50% APY · checked 8 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
18 Month CD
$500
0.30%
▼ 3.05% below Nevada avg
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average3.35%▼ 3.05% below avgNationally 2.88%
Details
Rate History
No change since Sep 20, 2026 · 0.30% APY · checked 8 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
18 Month Certificate of Deposit
$500
0.02%
▼ 3.33% below Nevada avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average3.35%▼ 3.33% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 7 times
Zephyr Cove 24 Month CD Rates
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: 1.12%
24 Month CD
$1
4.99%
▲ 2.07% above Nevada avg
▼
Rate4.90%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.92%▲ 2.07% above avgNationally 2.90%
Details
Interest rate and APY are fixed for the initial term; early withdrawal penalty applies
Rate History
3 changes since Sep 14, 2026 · 4.32% → 4.99% ▲ 0.67 pts · high 4.99% / low 4.32%
- Oct 21, 20264.99%▲ from 4.89%
- Oct 7, 20264.89%▲ from 4.63%
- Sep 24, 20264.63%▲ from 4.32%
- Sep 14, 20264.32%first recorded
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
24 Month Certificate
$0
4.50%
▲ 1.58% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▲ 1.58% above avgNationally 2.90%
Details
Most Popular
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 5, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificate of Deposit - 24 Month
$0
4.40%
▲ 1.48% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▲ 1.48% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 4.40% APY
Credit One Bank, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
24 Month High Yield Jumbo Bump Up CD
$100,000
4.25%
▲ 1.33% above Nevada avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.92%▲ 1.33% above avgNationally 2.90%
Details
Loyalty Rate: 0.05%; Option to adjust rate to a higher rate one time during the term; 10-Day Rate Guarantee
Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.00%
- Oct 20, 20264.25%▲ from 4.00%
- Oct 14, 20264.00%▼ from 4.20%
- Sep 18, 20264.20%first recorded
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
IRA Term Certificate - 24 Months
$0
4.25%
▲ 1.33% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▲ 1.33% above avgNationally 2.90%
Details
Penalty may be imposed for withdrawals prior to maturity.
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Term Certificate - 24 Months
$0
4.25%
▲ 1.33% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▲ 1.33% above avgNationally 2.90%
Details
Penalty may be imposed for withdrawals prior to maturity.
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 4 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
24-Month CD
$500
4.25%
▲ 1.33% above Nevada avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average2.92%▲ 1.33% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- Oct 10, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Certificate - 24 Months
$500
4.13%
▲ 1.21% above Nevada avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▲ 1.21% above avgNationally 2.90%
Details
Variable Rate; 180-day interest penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 4.13% APY
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Level Up Certificate - 24 Months
$500
4.13%
▲ 1.21% above Nevada avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▲ 1.21% above avgNationally 2.90%
Details
Variable Rate certificate; 180-day interest penalty for early withdrawal; subsequent deposits allowed only within first 7 days
Rate History
No change since Oct 14, 2026 · 4.13% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
24 Month Share Certificate
$500
4.10%
▲ 1.18% above Nevada avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▲ 1.18% above avgNationally 2.90%
Details
Minimum Balance $500 for rate and APY
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
IRA Share Certificate (CD) - 24 Months
$500
4.10%
▲ 1.18% above Nevada avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▲ 1.18% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
IRA Share Certificate (CD) Special Distribution - 24 Months
$500
4.10%
▲ 1.18% above Nevada avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▲ 1.18% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
Share Certificate (CD) - 24 Months
$500
4.10%
▲ 1.18% above Nevada avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▲ 1.18% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
Certificate of Deposit [CD] Jumbo - 2 years
$50,000
3.95%
▲ 1.03% above Nevada avg
▼
Rate3.87%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.92%▲ 1.03% above avgNationally 2.90%
Details
Balance: $50,000 and up; Jumbo CD; Valid for IRAs
Rate History
No change since Oct 21, 2026 · 3.95% APY
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
24-Month HYRC Certificate
$0
3.90%
▲ 0.98% above Nevada avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▲ 0.98% above avgNationally 2.90%
Details
Qualifications Required; High-Yield Rewards Checking Account required; $1,000 minimum
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 6 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
Certificate of Deposit [CD] - 2 years
$1,000
3.85%
▲ 0.93% above Nevada avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.92%▲ 0.93% above avgNationally 2.90%
Details
Balance: $1,000 to $49,999; Valid for IRAs
Rate History
No change since Sep 19, 2026 · 3.85% APY · checked 8 times
Pahranagat Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
24-Month Certificate
$0
3.81%
▲ 0.89% above Nevada avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.92%▲ 0.89% above avgNationally 2.90%
Details
Dividend rate paid; APY 3.815%
Rate History
No change since Oct 22, 2026 · 3.82% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month Short-Term Certificate
$0
3.70%
▲ 0.78% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.92%▲ 0.78% above avgNationally 2.90%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 3.70% APY
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
2 Year CD with Step-Up Option - Jumbo CD
$50,000
3.70%
▲ 0.78% above Nevada avg
▼
Rate3.63%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.92%▲ 0.78% above avgNationally 2.90%
Details
Balance: $50,000 and up; IRA CDs only available for 6-month to 5-year terms
Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month Short-Term Certificate
$0
3.66%
▲ 0.74% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.92%▲ 0.74% above avgNationally 2.90%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 3.66% APY
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
24-Month Certificate
$0
3.65%
▲ 0.73% above Nevada avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▲ 0.73% above avgNationally 2.90%
Details
$1,000 minimum
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month EasyStart Certificate
$50
3.60%
▲ 0.68% above Nevada avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.92%▲ 0.68% above avgNationally 2.90%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.60% APY
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
2 Year CD with Step-Up Option
$1,000
3.60%
▲ 0.68% above Nevada avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.92%▲ 0.68% above avgNationally 2.90%
Details
Balance: $1,000 to $49,999; IRA CDs only available for 6-month to 5-year terms
Rate History
No change since Sep 24, 2026 · 3.60% APY · checked 7 times
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Term Share Certificate - 2 years
$1,000
3.40%
▲ 0.48% above Nevada avg
▼
Rate3.36%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.92%▲ 0.48% above avgNationally 2.90%
Details
Minimum $1,000 Deposit
Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 8 times
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
IRA Certificate Accounts - 24 months
$0
3.25%
▲ 0.33% above Nevada avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.92%▲ 0.33% above avgNationally 2.90%
Details
Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 4 times
Open Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Installment Account - 24-Month Term
$0
3.05%
▲ 0.13% above Nevada avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average2.92%▲ 0.13% above avgNationally 2.90%
Details
Business & Consumer (Personal) Installment Accounts (with automatic Monthly Internal Funds Transfers); Contract amount $1,000 to $100,000; fixed for initial term
Rate History
No change since Oct 22, 2026 · 3.05% APY
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
2 Year CD
$0
3.04%
▲ 0.12% above Nevada avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▲ 0.12% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 8 times
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
24-month Certificate
$1,000
3.00%
▲ 0.08% above Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.92%▲ 0.08% above avgNationally 2.90%
Details
Minimum $1,000.00 to open and earn APY; early penalties may apply before maturity
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
24-month Impact Certificate
$0
3.00%
▲ 0.08% above Nevada avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.92%▲ 0.08% above avgNationally 2.90%
Details
Online opening only; a donation of 2% of opening deposit is paid by Rize CU to the Center for Financial Empowerment or CA Wildfire Relief over 12 months; donation forfeited if any portion withdrawn before term ends; donation not tax-deductible; early withdrawal subject to penalty
Rate History
No change since Oct 12, 2026 · 3.00% APY · checked 4 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
24 Month Certificate
$10,000
3.00%
▲ 0.08% above Nevada avg
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▲ 0.08% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
IRA Certificate Plus - 24 Months
$10,000
3.00%
▲ 0.08% above Nevada avg
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▲ 0.08% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Oct 19, 2026 · 3.00% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Share Certificate (CD) - 24 Months
$1,000
3.00%
▲ 0.08% above Nevada avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▲ 0.08% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Share Certificate - 24 Months
$10,000
3.00%
▲ 0.08% above Nevada avg
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▲ 0.08% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
24 Month IRA Certificate
$1,000
3.00%
▲ 0.08% above Nevada avg
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▲ 0.08% above avgNationally 2.90%
Details
Account types: Traditional, Roth & Educational
Rate History
No change since Oct 19, 2026 · 3.00% APY
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Share Certificates - 24 Month
$500
3.00%
▲ 0.08% above Nevada avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▲ 0.08% above avgNationally 2.90%
Details
Minimum $500.00
Rate History
No change since Oct 19, 2026 · 3.00% APY
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Triple Option Certificate - 24 Month
$2,500
3.00%
▲ 0.08% above Nevada avg
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▲ 0.08% above avgNationally 2.90%
Details
Minimum $2500.00
Rate History
No change since Oct 19, 2026 · 3.00% APY
Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
24 Month Share Certificates
$0
2.80%
▼ 0.12% below Nevada avg
▼
Rate2.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▼ 0.12% below avgNationally 2.90%
Details
Balance: $90,000.00 and over
Rate History
No change since Sep 18, 2026 · 2.80% APY · checked 3 times
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificate of Deposit 24-Month
$500
2.75%
▼ 0.17% below Nevada avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average2.92%▼ 0.17% below avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 4 times
Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
24 Month Share Certificates
$0
2.75%
▼ 0.17% below Nevada avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▼ 0.17% below avgNationally 2.90%
Details
Balance: $10,000.00 - $89,999.99
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 3 times
Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
24 Month Share Certificates
$0
2.70%
▼ 0.22% below Nevada avg
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▼ 0.22% below avgNationally 2.90%
Details
Balance: $500.00 - $9,999.99
Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 3 times
Elko Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Term Share Certificate - 24 Month
$1,000
2.68%
▼ 0.24% below Nevada avg
▼
Rate2.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.92%▼ 0.24% below avgNationally 2.90%
Details
Rate History
No change since Oct 15, 2026 · 2.68% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
24 Month Standard CDs - Rewards
$0
2.60%
▼ 0.32% below Nevada avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▼ 0.32% below avgNationally 2.90%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.60% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
24 Month Standard IRA CDs - Rewards
$0
2.60%
▼ 0.32% below Nevada avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▼ 0.32% below avgNationally 2.90%
Details
Rewards APY column; Dividend Rate 2.57%
Rate History
No change since Oct 19, 2026 · 2.60% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
24 Month Standard CDs - Regular
$0
2.34%
▼ 0.58% below Nevada avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▼ 0.58% below avgNationally 2.90%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.34% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
24 Month Standard IRA CDs - Regular
$0
2.34%
▼ 0.58% below Nevada avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.92%▼ 0.58% below avgNationally 2.90%
Details
Regular APY column; Dividend Rate 2.32%
Rate History
No change since Oct 19, 2026 · 2.34% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 24 Months - With Bonus Rate
$0
1.95%
▼ 0.97% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.92%▼ 0.97% below avgNationally 2.90%
Details
Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 23, 2026 · 1.95% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 24 Months - Bonus Rate
$0
1.95%
▼ 0.97% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.92%▼ 0.97% below avgNationally 2.90%
Details
Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate
Rate History
No change since Oct 23, 2026 · 1.95% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 24 Months
$0
1.85%
▼ 1.07% below Nevada avg
▼
Rate1.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.92%▼ 1.07% below avgNationally 2.90%
Details
Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 12, 2026 · 1.85% APY · checked 3 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 24 Months
$0
1.85%
▼ 1.07% below Nevada avg
▼
Rate1.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.92%▼ 1.07% below avgNationally 2.90%
Details
Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply
Rate History
No change since Oct 15, 2026 · 1.85% APY · checked 2 times
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Fixed Rate CD - 24 Month
$2,500
1.50%
▼ 1.42% below Nevada avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.92%▼ 1.42% below avgNationally 2.90%
Details
Open Online
Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 2 times
Zephyr Cove 36 Month CD Rates
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: 1.12%
36 Month CD
$1
5.10%
▲ 2.26% above Nevada avg
▼
Rate5.00%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.84%▲ 2.26% above avgNationally 2.81%
Details
Interest rate and APY are fixed for the initial term; early withdrawal penalty applies
Rate History
3 changes since Sep 14, 2026 · 4.42% → 5.10% ▲ 0.68 pts · high 5.10% / low 4.42%
- Oct 21, 20265.10%▲ from 4.99%
- Oct 7, 20264.99%▲ from 4.73%
- Sep 24, 20264.73%▲ from 4.42%
- Sep 14, 20264.42%first recorded
Credit One Bank, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
High Yield Jumbo CD - 36 Months
$100,000
4.55%
▲ 1.71% above Nevada avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.84%▲ 1.71% above avgNationally 2.81%
Details
Loyalty Rate: 0.05%; $100,000 minimum balance required to open and to earn stated APY
Rate History
No change since Oct 20, 2026 · 4.55% APY · checked 2 times
Credit One Bank, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
36 Month High Yield Jumbo Bump Up CD
$100,000
4.30%
▲ 1.46% above Nevada avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.84%▲ 1.46% above avgNationally 2.81%
Details
Loyalty Rate: 0.05%; Option to adjust rate to a higher rate one time during the term; 10-Day Rate Guarantee
Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
- Oct 14, 20264.30%▲ from 4.25%
- Sep 27, 20264.25%▲ from 4.20%
- Sep 18, 20264.20%first recorded
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
IRA Term Certificate - 36 Months
$0
4.25%
▲ 1.41% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▲ 1.41% above avgNationally 2.81%
Details
Penalty may be imposed for withdrawals prior to maturity.
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
- Oct 14, 20264.25%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Term Certificate - 36 Months
$0
4.25%
▲ 1.41% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▲ 1.41% above avgNationally 2.81%
Details
Penalty may be imposed for withdrawals prior to maturity.
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
- Oct 14, 20264.25%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
36 Month Share Certificate
$500
4.20%
▲ 1.36% above Nevada avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▲ 1.36% above avgNationally 2.81%
Details
Minimum Balance $500 for rate and APY
Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
IRA Share Certificate (CD) - 36 Months
$500
4.20%
▲ 1.36% above Nevada avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▲ 1.36% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
IRA Share Certificate (CD) Special Distribution - 36 Months
$500
4.20%
▲ 1.36% above Nevada avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▲ 1.36% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
Share Certificate (CD) - 36 Months
$500
4.20%
▲ 1.36% above Nevada avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▲ 1.36% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 2 times
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Level Up Certificate - 36 Months
$500
4.18%
▲ 1.34% above Nevada avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▲ 1.34% above avgNationally 2.81%
Details
Variable Rate certificate; 180-day interest penalty for early withdrawal; subsequent deposits allowed only within first 7 days
Rate History
No change since Oct 14, 2026 · 4.18% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.15%
▲ 1.31% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.84%▲ 1.31% above avgNationally 2.81%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.10%
▲ 1.26% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.84%▲ 1.26% above avgNationally 2.81%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.10% APY
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
36-Month HYRC Certificate
$0
3.75%
▲ 0.91% above Nevada avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▲ 0.91% above avgNationally 2.81%
Details
Qualifications Required; High-Yield Rewards Checking Account required; $1,000 minimum
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
36-Month Certificate
$0
3.50%
▲ 0.66% above Nevada avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▲ 0.66% above avgNationally 2.81%
Details
$1,000 minimum
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificate of Deposit - 36 Month
$0
3.50%
▲ 0.66% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▲ 0.66% above avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 3.50% APY
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
Certificate of Deposit [CD] Jumbo - 3 years
$50,000
3.35%
▲ 0.51% above Nevada avg
▼
Rate3.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.84%▲ 0.51% above avgNationally 2.81%
Details
Balance: $50,000 and up; Jumbo CD; Valid for IRAs
Rate History
No change since Oct 21, 2026 · 3.35% APY
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Term Share Certificate - 3 year, 4 year, & 5 year
$1,000
3.35%
▲ 0.51% above Nevada avg
▼
Rate3.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.84%▲ 0.51% above avgNationally 2.81%
Details
Minimum $1,000 Deposit
Rate History
No change since Sep 12, 2026 · 3.35% APY · checked 8 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
Certificate of Deposit [CD] - 3 years
$1,000
3.25%
▲ 0.41% above Nevada avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.84%▲ 0.41% above avgNationally 2.81%
Details
Balance: $1,000 to $49,999; Valid for IRAs
Rate History
No change since Sep 19, 2026 · 3.25% APY · checked 8 times
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
36-month Certificate
$1,000
3.25%
▲ 0.41% above Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.84%▲ 0.41% above avgNationally 2.81%
Details
Minimum $1,000.00 to open and earn APY; early penalties may apply before maturity
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
IRA Certificate Accounts - 36 months
$0
3.25%
▲ 0.41% above Nevada avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.84%▲ 0.41% above avgNationally 2.81%
Details
Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 4 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
3 Year CD with Step-Up Option - Jumbo CD
$50,000
3.10%
▲ 0.26% above Nevada avg
▼
Rate3.05%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.84%▲ 0.26% above avgNationally 2.81%
Details
Balance: $50,000 and up; IRA CDs only available for 6-month to 5-year terms
Rate History
No change since Sep 24, 2026 · 3.10% APY · checked 5 times
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
3 Year CD
$0
3.04%
▲ 0.20% above Nevada avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▲ 0.20% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 8 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
3 Year CD with Step-Up Option
$1,000
3.00%
▲ 0.16% above Nevada avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.84%▲ 0.16% above avgNationally 2.81%
Details
Balance: $1,000 to $49,999; IRA CDs only available for 6-month to 5-year terms
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 7 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
36 Month Certificate
$10,000
3.00%
▲ 0.16% above Nevada avg
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▲ 0.16% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
IRA Certificate Plus - 36 Months
$10,000
3.00%
▲ 0.16% above Nevada avg
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▲ 0.16% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Oct 19, 2026 · 3.00% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Share Certificate (CD) - 36 Months
$1,000
3.00%
▲ 0.16% above Nevada avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▲ 0.16% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Share Certificate - 36 Months
$10,000
3.00%
▲ 0.16% above Nevada avg
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▲ 0.16% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
36 Month IRA Certificate
$1,000
3.00%
▲ 0.16% above Nevada avg
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▲ 0.16% above avgNationally 2.81%
Details
Account types: Traditional, Roth & Educational
Rate History
No change since Oct 19, 2026 · 3.00% APY
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Share Certificates - 36 Month
$500
3.00%
▲ 0.16% above Nevada avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▲ 0.16% above avgNationally 2.81%
Details
Minimum $500.00
Rate History
No change since Oct 19, 2026 · 3.00% APY
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Triple Option Certificate - 36 Month
$2,500
3.00%
▲ 0.16% above Nevada avg
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▲ 0.16% above avgNationally 2.81%
Details
Minimum $2500.00
Rate History
No change since Oct 19, 2026 · 3.00% APY
Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
36 Month Share Certificates
$0
2.90%
▲ 0.06% above Nevada avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▲ 0.06% above avgNationally 2.81%
Details
Balance: $90,000.00 and over
Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 3 times
Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
36 Month Share Certificates
$0
2.85%
▲ 0.01% above Nevada avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▲ 0.01% above avgNationally 2.81%
Details
Balance: $10,000.00 - $89,999.99
Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 3 times
Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
36 Month Share Certificates
$0
2.80%
▼ 0.04% below Nevada avg
▼
Rate2.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▼ 0.04% below avgNationally 2.81%
Details
Balance: $500.00 - $9,999.99
Rate History
No change since Sep 18, 2026 · 2.80% APY · checked 3 times
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificate of Deposit 36-Month
$500
2.75%
▼ 0.09% below Nevada avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average2.84%▼ 0.09% below avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
36 Month Standard CDs - Rewards
$0
2.75%
▼ 0.09% below Nevada avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▼ 0.09% below avgNationally 2.81%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
36 Month Standard IRA CDs - Rewards
$0
2.75%
▼ 0.09% below Nevada avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▼ 0.09% below avgNationally 2.81%
Details
Rewards APY column; Dividend Rate 2.72%
Rate History
No change since Oct 19, 2026 · 2.75% APY
Open Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Installment Account - 36-Month Term
$0
2.53%
▼ 0.31% below Nevada avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average2.84%▼ 0.31% below avgNationally 2.81%
Details
Business & Consumer (Personal) Installment Accounts (with automatic Monthly Internal Funds Transfers); Contract amount $1,000 to $100,000; fixed for initial term
Rate History
No change since Oct 22, 2026 · 2.53% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
36 Month Standard CDs - Regular
$0
2.49%
▼ 0.35% below Nevada avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▼ 0.35% below avgNationally 2.81%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.49% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
36 Month Standard IRA CDs - Regular
$0
2.49%
▼ 0.35% below Nevada avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▼ 0.35% below avgNationally 2.81%
Details
Regular APY column; Dividend Rate 2.47%
Rate History
No change since Oct 19, 2026 · 2.49% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 36 Months - With Bonus Rate
$0
2.10%
▼ 0.74% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.84%▼ 0.74% below avgNationally 2.81%
Details
Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 23, 2026 · 2.10% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 36 Months - Bonus Rate
$0
2.10%
▼ 0.74% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.84%▼ 0.74% below avgNationally 2.81%
Details
Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate
Rate History
No change since Oct 23, 2026 · 2.10% APY
Elko Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Term Share Certificate - 36 Month
$1,000
2.02%
▼ 0.82% below Nevada avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.84%▼ 0.82% below avgNationally 2.81%
Details
Rate History
No change since Oct 15, 2026 · 2.02% APY · checked 2 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
36 Month Bump Up Certificate
$0
2.00%
▼ 0.84% below Nevada avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.84%▼ 0.84% below avgNationally 2.81%
Details
Balance: $500 - $1,000,000; Effective Date: October 01, 2026; Early withdrawal penalty may apply
Rate History
No change since Oct 12, 2026 · 2.00% APY · checked 2 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 36 Months
$0
2.00%
▼ 0.84% below Nevada avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.84%▼ 0.84% below avgNationally 2.81%
Details
Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 12, 2026 · 2.00% APY · checked 3 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 36 Months
$0
2.00%
▼ 0.84% below Nevada avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.84%▼ 0.84% below avgNationally 2.81%
Details
Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply
Rate History
No change since Oct 15, 2026 · 2.00% APY · checked 2 times
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Fixed Rate CD - 36 Month
$2,500
1.00%
▼ 1.84% below Nevada avg
▼
Rate1.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.84%▼ 1.84% below avgNationally 2.81%
Details
Open Online
Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
36 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.09% below Nevada avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▼ 2.09% below avgNationally 2.81%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
36 Month Standard CD
$1,000
0.75%
▼ 2.09% below Nevada avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▼ 2.09% below avgNationally 2.81%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
36 Month IRA Certificate
$1,000
0.70%
▼ 2.14% below Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▼ 2.14% below avgNationally 2.81%
Details
Balance tier: $100,000 minimum deposit; Early withdrawal fee: 90-180 days of dividends
Rate History
No change since Oct 6, 2026 · 0.70% APY · checked 2 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
IRA Certificate - 36 Months
$100,000
0.70%
▼ 2.14% below Nevada avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.84%▼ 2.14% below avgNationally 2.81%
Details
Balance: $100,000 and over; Effective Date: October 18, 2026
Rate History
No change since Sep 30, 2026 · 0.70% APY · checked 6 times
Zephyr Cove 48 Month CD Rates
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: 1.12%
48 Month CD
$1
5.20%
▲ 2.33% above Nevada avg
▼
Rate5.10%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.87%▲ 2.33% above avgNationally 2.81%
Details
Interest rate and APY are fixed for the initial term; early withdrawal penalty applies
Rate History
3 changes since Sep 14, 2026 · 4.52% → 5.20% ▲ 0.68 pts · high 5.20% / low 4.52%
- Oct 21, 20265.20%▲ from 5.10%
- Oct 7, 20265.10%▲ from 4.84%
- Sep 24, 20264.84%▲ from 4.52%
- Sep 14, 20264.52%first recorded
Credit One Bank, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
High Yield Jumbo CD - 48 Months
$100,000
4.55%
▲ 1.68% above Nevada avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.87%▲ 1.68% above avgNationally 2.81%
Details
Loyalty Rate: 0.05%; $100,000 minimum balance required to open and to earn stated APY
Rate History
No change since Oct 20, 2026 · 4.55% APY · checked 2 times
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
IRA Term Certificate - 48 Months
$0
4.25%
▲ 1.38% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▲ 1.38% above avgNationally 2.81%
Details
Penalty may be imposed for withdrawals prior to maturity.
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
- Oct 14, 20264.25%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Term Certificate - 48 Months
$0
4.25%
▲ 1.38% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▲ 1.38% above avgNationally 2.81%
Details
Penalty may be imposed for withdrawals prior to maturity.
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
- Oct 14, 20264.25%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
48 Month Share Certificate
$500
4.25%
▲ 1.38% above Nevada avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▲ 1.38% above avgNationally 2.81%
Details
Minimum Balance $500 for rate and APY
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
IRA Share Certificate (CD) - 48 Months
$500
4.25%
▲ 1.38% above Nevada avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▲ 1.38% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
IRA Share Certificate (CD) Special Distribution - 48 Months
$500
4.25%
▲ 1.38% above Nevada avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▲ 1.38% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
Share Certificate (CD) - 48 Months
$500
4.25%
▲ 1.38% above Nevada avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▲ 1.38% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Level Up Certificate - 48 Months
$500
4.23%
▲ 1.36% above Nevada avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▲ 1.36% above avgNationally 2.81%
Details
Variable Rate certificate; 180-day interest penalty for early withdrawal; subsequent deposits allowed only within first 7 days
Rate History
No change since Oct 14, 2026 · 4.23% APY · checked 2 times
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Level Up Certificates and IRA Certificates - 48 Months
$500
4.23%
▲ 1.36% above Nevada avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▲ 1.36% above avgNationally 2.81%
Details
Variable Rate certificate; 180-day interest penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.23% APY · checked 2 times
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
IRA Certificate Accounts - 48 months
$0
4.00%
▲ 1.13% above Nevada avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.87%▲ 1.13% above avgNationally 2.81%
Details
Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 4 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
Certificate of Deposit [CD] Jumbo - 4 years
$50,000
3.35%
▲ 0.48% above Nevada avg
▼
Rate3.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.87%▲ 0.48% above avgNationally 2.81%
Details
Balance: $50,000 and up; Jumbo CD; Valid for IRAs
Rate History
No change since Oct 21, 2026 · 3.35% APY
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
Certificate of Deposit [CD] - 4 years
$1,000
3.25%
▲ 0.38% above Nevada avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.87%▲ 0.38% above avgNationally 2.81%
Details
Balance: $1,000 to $49,999; Valid for IRAs
Rate History
No change since Sep 19, 2026 · 3.25% APY · checked 8 times
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
48-month Certificate
$1,000
3.25%
▲ 0.38% above Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.87%▲ 0.38% above avgNationally 2.81%
Details
Minimum $1,000.00 to open and earn APY; early penalties may apply before maturity
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
48-Month Certificate
$0
3.25%
▲ 0.38% above Nevada avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▲ 0.38% above avgNationally 2.81%
Details
$1,000 minimum
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4 Year CD with Step-Up Option - Jumbo CD
$50,000
3.10%
▲ 0.23% above Nevada avg
▼
Rate3.05%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.87%▲ 0.23% above avgNationally 2.81%
Details
Balance: $50,000 and up; IRA CDs only available for 6-month to 5-year terms
Rate History
No change since Sep 24, 2026 · 3.10% APY · checked 5 times
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
4 Year CD
$0
3.04%
▲ 0.17% above Nevada avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▲ 0.17% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 8 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4 Year CD with Step-Up Option
$1,000
3.00%
▲ 0.13% above Nevada avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.87%▲ 0.13% above avgNationally 2.81%
Details
Balance: $1,000 to $49,999; IRA CDs only available for 6-month to 5-year terms
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 7 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
48 Month Standard CDs - Rewards
$0
2.90%
▲ 0.03% above Nevada avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▲ 0.03% above avgNationally 2.81%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.90% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
48 Month Standard IRA CDs - Rewards
$0
2.90%
▲ 0.03% above Nevada avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▲ 0.03% above avgNationally 2.81%
Details
Rewards APY column; Dividend Rate 2.86%
Rate History
No change since Oct 19, 2026 · 2.90% APY
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificate of Deposit 48-Month
$500
2.75%
▼ 0.12% below Nevada avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average2.87%▼ 0.12% below avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 4 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
48 Month Certificate
$10,000
2.75%
▼ 0.12% below Nevada avg
▼
Rate2.71%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▼ 0.12% below avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
IRA Certificate Plus - 48 Months
$10,000
2.75%
▼ 0.12% below Nevada avg
▼
Rate2.71%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▼ 0.12% below avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Oct 19, 2026 · 2.75% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Share Certificate (CD) - 48 Months
$1,000
2.75%
▼ 0.12% below Nevada avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▼ 0.12% below avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 2 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Share Certificate - 48 Months
$10,000
2.75%
▼ 0.12% below Nevada avg
▼
Rate2.71%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▼ 0.12% below avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificate of Deposit - 48 Month
$0
2.75%
▼ 0.12% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▼ 0.12% below avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 2.75% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
48 Month Standard CDs - Regular
$0
2.64%
▼ 0.23% below Nevada avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▼ 0.23% below avgNationally 2.81%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.64% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
48 Month Standard IRA CDs - Regular
$0
2.64%
▼ 0.23% below Nevada avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▼ 0.23% below avgNationally 2.81%
Details
Regular APY column; Dividend Rate 2.61%
Rate History
No change since Oct 19, 2026 · 2.64% APY
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
48 Month IRA Certificate
$1,000
2.25%
▼ 0.62% below Nevada avg
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▼ 0.62% below avgNationally 2.81%
Details
Account types: Traditional, Roth & Educational
Rate History
No change since Oct 19, 2026 · 2.25% APY
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Share Certificates - 48 Month
$500
2.25%
▼ 0.62% below Nevada avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▼ 0.62% below avgNationally 2.81%
Details
Minimum $500.00
Rate History
No change since Oct 19, 2026 · 2.25% APY
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Triple Option Certificate - 48 Month
$2,500
2.25%
▼ 0.62% below Nevada avg
▼
Rate2.23%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▼ 0.62% below avgNationally 2.81%
Details
Minimum $2500.00
Rate History
No change since Oct 19, 2026 · 2.25% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 48 Months - With Bonus Rate
$0
2.15%
▼ 0.72% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.87%▼ 0.72% below avgNationally 2.81%
Details
Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 23, 2026 · 2.15% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 48 Months - Bonus Rate
$0
2.15%
▼ 0.72% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.87%▼ 0.72% below avgNationally 2.81%
Details
Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate
Rate History
No change since Oct 23, 2026 · 2.15% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 48 Months
$0
2.05%
▼ 0.82% below Nevada avg
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.87%▼ 0.82% below avgNationally 2.81%
Details
Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 12, 2026 · 2.05% APY · checked 3 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 48 Months
$0
2.05%
▼ 0.82% below Nevada avg
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.87%▼ 0.82% below avgNationally 2.81%
Details
Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply
Rate History
No change since Oct 15, 2026 · 2.05% APY · checked 2 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
48 Month IRA Certificate
$1,000
1.05%
▼ 1.82% below Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▼ 1.82% below avgNationally 2.81%
Details
Balance tier: $100,000 minimum deposit; Early withdrawal fee: 90-180 days of dividends
Rate History
No change since Oct 6, 2026 · 1.05% APY · checked 2 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
IRA Certificate - 48 Months
$100,000
1.05%
▼ 1.82% below Nevada avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▼ 1.82% below avgNationally 2.81%
Details
Balance: $100,000 and over; Effective Date: October 18, 2026
Rate History
No change since Sep 30, 2026 · 1.05% APY · checked 6 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
48 Month IRA Certificate
$1,000
1.00%
▼ 1.87% below Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▼ 1.87% below avgNationally 2.81%
Details
Balance tier: $1,000 minimum deposit; Early withdrawal fee: 90-180 days of dividends
Rate History
No change since Sep 30, 2026 · 1.00% APY · checked 4 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
48 Month Share Certificate
$100,000
1.00%
▼ 1.87% below Nevada avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▼ 1.87% below avgNationally 2.81%
Details
Balance: $100,000 and over
Rate History
No change since Oct 6, 2026 · 1.00% APY · checked 2 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
IRA Certificate - 48 Months
$1,000
1.00%
▼ 1.87% below Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▼ 1.87% below avgNationally 2.81%
Details
Balance: $1,000 - $99,999; Effective Date: October 18, 2026
Rate History
No change since Sep 30, 2026 · 1.00% APY · checked 6 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
48 Month Share Certificate
$1,000
0.95%
▼ 1.92% below Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▼ 1.92% below avgNationally 2.81%
Details
Balance: $1,000 - $99,999
Rate History
1 change since Oct 6, 2026 · 1.00% → 0.95% ▼ 0.05 pts · high 1.00% / low 0.95%
- Oct 19, 20260.95%▼ from 1.00%
- Oct 6, 20261.00%first recorded
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Fixed Rate CD - 48 Month
$2,500
0.75%
▼ 2.12% below Nevada avg
▼
Rate0.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.87%▼ 2.12% below avgNationally 2.81%
Details
Open Online
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
48 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.12% below Nevada avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▼ 2.12% below avgNationally 2.81%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
48 Month Standard CD
$1,000
0.75%
▼ 2.12% below Nevada avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▼ 2.12% below avgNationally 2.81%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4-Year Jumbo CD
$100,000
0.50%
▼ 2.37% below Nevada avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▼ 2.37% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4-Year Term CD
$1,000
0.50%
▼ 2.37% below Nevada avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▼ 2.37% below avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 4-Year
$1,000
0.50%
▼ 2.37% below Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▼ 2.37% below avgNationally 2.81%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4-Year RampUp CD
$50,000
0.25%
▼ 2.62% below Nevada avg
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.87%▼ 2.62% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4 Year Certificate of Deposit
$500
0.15%
▼ 2.72% below Nevada avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average2.87%▼ 2.72% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 7 times
Zephyr Cove 60 Month CD Rates
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: 1.12%
60 Month CD
$1
5.25%
▲ 2.37% above Nevada avg
▼
Rate5.15%
Min Deposit$1
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.88%▲ 2.37% above avgNationally 2.92%
Details
Interest rate and APY are fixed for the initial term; early withdrawal penalty applies
Rate History
3 changes since Sep 14, 2026 · 4.58% → 5.25% ▲ 0.67 pts · high 5.25% / low 4.58%
- Oct 21, 20265.25%▲ from 5.15%
- Oct 7, 20265.15%▲ from 4.89%
- Sep 24, 20264.89%▲ from 4.58%
- Sep 14, 20264.58%first recorded
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
IRA Term Certificate - 60 Months
$0
4.55%
▲ 1.67% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▲ 1.67% above avgNationally 2.92%
Details
Penalty may be imposed for withdrawals prior to maturity.
Rate History
No change since Sep 14, 2026 · 4.55% APY · checked 7 times
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Term Certificate - 60 Months
$0
4.55%
▲ 1.67% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▲ 1.67% above avgNationally 2.92%
Details
Penalty may be imposed for withdrawals prior to maturity.
Rate History
No change since Sep 14, 2026 · 4.55% APY · checked 4 times
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
60 Month Certificate
$0
4.50%
▲ 1.62% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▲ 1.62% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 5, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Certificate Account
$500
4.50%
▲ 1.62% above Nevada avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▲ 1.62% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Regular Certificate
$500
4.50%
▲ 1.62% above Nevada avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▲ 1.62% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 19, 20264.50%▲ from 4.30%
- Sep 14, 20264.30%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
Bump-Rate Certificate 60 Months
$500
4.35%
▲ 1.47% above Nevada avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▲ 1.47% above avgNationally 2.92%
Details
Early-withdrawal penalties may apply; Dividends are credited monthly
Rate History
1 change since Sep 21, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 5, 20264.35%▲ from 4.15%
- Sep 21, 20264.15%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
60 Month Share Certificate
$500
4.30%
▲ 1.42% above Nevada avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▲ 1.42% above avgNationally 2.92%
Details
Minimum Balance $500 for rate and APY
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
IRA Share Certificate (CD) - 60 Months
$500
4.30%
▲ 1.42% above Nevada avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▲ 1.42% above avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
IRA Share Certificate (CD) Special Distribution - 60 Months
$500
4.30%
▲ 1.42% above Nevada avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▲ 1.42% above avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 2 times
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
Share Certificate (CD) - 60 Months
$500
4.30%
▲ 1.42% above Nevada avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▲ 1.42% above avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 2 times
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Level Up Certificate - 60 Months
$500
4.28%
▲ 1.40% above Nevada avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▲ 1.40% above avgNationally 2.92%
Details
Variable Rate certificate; 180-day interest penalty for early withdrawal; subsequent deposits allowed only within first 7 days
Rate History
No change since Oct 14, 2026 · 4.28% APY · checked 2 times
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
IRA Certificate Accounts - 60 months
$0
4.25%
▲ 1.37% above Nevada avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.88%▲ 1.37% above avgNationally 2.92%
Details
Rate History
No change since Sep 12, 2026 · 4.25% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.90%
▲ 1.02% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.88%▲ 1.02% above avgNationally 2.92%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.90% APY
Silver State Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
60 Month Traditional, Roth, & Education IRA Certificates
$500
3.87%
▲ 0.99% above Nevada avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▲ 0.99% above avgNationally 2.92%
Details
Rate History
No change since Sep 18, 2026 · 3.87% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.85%
▲ 0.97% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.88%▲ 0.97% above avgNationally 2.92%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.85% APY
Silver State Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
60 Month Jumbo Certificates
$100,000
3.77%
▲ 0.89% above Nevada avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▲ 0.89% above avgNationally 2.92%
Details
Rate History
No change since Sep 18, 2026 · 3.77% APY · checked 7 times
Silver State Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
60 Month Regular Certificate
$500
3.77%
▲ 0.89% above Nevada avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▲ 0.89% above avgNationally 2.92%
Details
Early withdrawal penalty: 180 days of dividends (terms greater than 12 months)
Rate History
No change since Oct 19, 2026 · 3.77% APY
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
60-Month HYRC Certificate
$0
3.50%
▲ 0.62% above Nevada avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▲ 0.62% above avgNationally 2.92%
Details
Qualifications Required; High-Yield Rewards Checking Account required; $1,000 minimum
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
Certificate of Deposit [CD] Jumbo - 5 years
$50,000
3.35%
▲ 0.47% above Nevada avg
▼
Rate3.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.88%▲ 0.47% above avgNationally 2.92%
Details
Balance: $50,000 and up; Jumbo CD; Valid for IRAs
Rate History
No change since Oct 21, 2026 · 3.35% APY
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
Certificate of Deposit [CD] - 5 years
$1,000
3.25%
▲ 0.37% above Nevada avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.88%▲ 0.37% above avgNationally 2.92%
Details
Balance: $1,000 to $49,999; Valid for IRAs
Rate History
No change since Sep 19, 2026 · 3.25% APY · checked 8 times
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
60-month Certificate
$1,000
3.25%
▲ 0.37% above Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.88%▲ 0.37% above avgNationally 2.92%
Details
Minimum $1,000.00 to open and earn APY; early penalties may apply before maturity
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
60-Month Certificate
$0
3.25%
▲ 0.37% above Nevada avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▲ 0.37% above avgNationally 2.92%
Details
$1,000 minimum
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
5 Year CD with Step-Up Option - Jumbo CD
$50,000
3.10%
▲ 0.22% above Nevada avg
▼
Rate3.05%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.88%▲ 0.22% above avgNationally 2.92%
Details
Balance: $50,000 and up; IRA CDs only available for 6-month to 5-year terms
Rate History
No change since Sep 24, 2026 · 3.10% APY · checked 5 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
60 Month Standard CDs - Rewards
$0
3.10%
▲ 0.22% above Nevada avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▲ 0.22% above avgNationally 2.92%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
60 Month Standard IRA CDs - Rewards
$0
3.10%
▲ 0.22% above Nevada avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▲ 0.22% above avgNationally 2.92%
Details
Rewards APY column; Dividend Rate 3.06%
Rate History
No change since Oct 19, 2026 · 3.10% APY
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
5 Year CD with Step-Up Option
$1,000
3.00%
▲ 0.12% above Nevada avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Nevada Average2.88%▲ 0.12% above avgNationally 2.92%
Details
Balance: $1,000 to $49,999; IRA CDs only available for 6-month to 5-year terms
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 7 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
60 Month Standard CDs - Regular
$0
2.84%
▼ 0.04% below Nevada avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▼ 0.04% below avgNationally 2.92%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.84% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
60 Month Standard IRA CDs - Regular
$0
2.84%
▼ 0.04% below Nevada avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▼ 0.04% below avgNationally 2.92%
Details
Regular APY column; Dividend Rate 2.81%
Rate History
No change since Oct 19, 2026 · 2.84% APY
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificate of Deposit 60-Month
$500
2.75%
▼ 0.13% below Nevada avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average2.88%▼ 0.13% below avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 4 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
60 Month Certificate
$10,000
2.75%
▼ 0.13% below Nevada avg
▼
Rate2.71%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▼ 0.13% below avgNationally 2.92%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
IRA Certificate Plus - 60 Months
$10,000
2.75%
▼ 0.13% below Nevada avg
▼
Rate2.71%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▼ 0.13% below avgNationally 2.92%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Oct 19, 2026 · 2.75% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Share Certificate (CD) - 60 Months
$1,000
2.75%
▼ 0.13% below Nevada avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▼ 0.13% below avgNationally 2.92%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 2 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Share Certificate - 60 Months
$10,000
2.75%
▼ 0.13% below Nevada avg
▼
Rate2.71%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▼ 0.13% below avgNationally 2.92%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificate of Deposit - 60 Month
$0
2.75%
▼ 0.13% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▼ 0.13% below avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 2.75% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 60 Months - With Bonus Rate
$0
2.20%
▼ 0.68% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.88%▼ 0.68% below avgNationally 2.92%
Details
Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 23, 2026 · 2.20% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 60 Months - Bonus Rate
$0
2.20%
▼ 0.68% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.88%▼ 0.68% below avgNationally 2.92%
Details
Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate
Rate History
No change since Oct 23, 2026 · 2.20% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 60 Months
$0
2.10%
▼ 0.78% below Nevada avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.88%▼ 0.78% below avgNationally 2.92%
Details
Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 12, 2026 · 2.10% APY · checked 3 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 60 Months
$0
2.10%
▼ 0.78% below Nevada avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Nevada Average2.88%▼ 0.78% below avgNationally 2.92%
Details
Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply
Rate History
No change since Oct 15, 2026 · 2.10% APY · checked 2 times
Open Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Installment Account - 60-Month Term
$0
2.02%
▼ 0.86% below Nevada avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average2.88%▼ 0.86% below avgNationally 2.92%
Details
Business & Consumer (Personal) Installment Accounts (with automatic Monthly Internal Funds Transfers); Contract amount $1,000 to $100,000; fixed for initial term
Rate History
No change since Oct 22, 2026 · 2.02% APY
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
60 Month IRA Certificate
$1,000
1.40%
▼ 1.48% below Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▼ 1.48% below avgNationally 2.92%
Details
Balance tier: $100,000 minimum deposit; Early withdrawal fee: 90-180 days of dividends
Rate History
No change since Oct 6, 2026 · 1.40% APY · checked 2 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
IRA Certificate - 60 Months
$100,000
1.40%
▼ 1.48% below Nevada avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▼ 1.48% below avgNationally 2.92%
Details
Balance: $100,000 and over; Effective Date: October 18, 2026
Rate History
No change since Sep 30, 2026 · 1.40% APY · checked 6 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
60 Month IRA Certificate
$1,000
1.35%
▼ 1.53% below Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▼ 1.53% below avgNationally 2.92%
Details
Balance tier: $1,000 minimum deposit; Early withdrawal fee: 90-180 days of dividends
Rate History
No change since Sep 30, 2026 · 1.35% APY · checked 4 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
60 Month Share Certificate
$100,000
1.35%
▼ 1.53% below Nevada avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▼ 1.53% below avgNationally 2.92%
Details
Balance: $100,000 and over
Rate History
No change since Oct 6, 2026 · 1.35% APY · checked 2 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
IRA Certificate - 60 Months
$1,000
1.35%
▼ 1.53% below Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▼ 1.53% below avgNationally 2.92%
Details
Balance: $1,000 - $99,999; Effective Date: October 18, 2026
Rate History
No change since Sep 30, 2026 · 1.35% APY · checked 6 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
60 Month Personal CD
$0
1.31%
▼ 1.57% below Nevada avg
▼
Rate1.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.88%▼ 1.57% below avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 1.31% APY · checked 2 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
60 Month Share Certificate
$1,000
1.30%
▼ 1.58% below Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Nevada Average2.88%▼ 1.58% below avgNationally 2.92%
Details
Balance: $1,000 - $99,999
Rate History
1 change since Oct 6, 2026 · 1.35% → 1.30% ▼ 0.05 pts · high 1.35% / low 1.30%
- Oct 19, 20261.30%▼ from 1.35%
- Oct 6, 20261.35%first recorded
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5 Year Jumbo Certificate of Deposit
$99,000
1.00%
▼ 1.88% below Nevada avg
▼
Rate1.00%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average2.88%▼ 1.88% below avgNationally 2.92%
Details
Rate History
No change since Sep 20, 2026 · 1.00% APY · checked 8 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
60 Month CD
$500
0.90%
▼ 1.98% below Nevada avg
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Nevada Average2.88%▼ 1.98% below avgNationally 2.92%
Details
Rate History
No change since Sep 20, 2026 · 0.90% APY · checked 8 times
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Fixed Rate CD - 60 Month
$2,500
0.75%
▼ 2.13% below Nevada avg
▼
Rate0.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Nevada Average2.88%▼ 2.13% below avgNationally 2.92%
Details
Open Online
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
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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.
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Zephyr Cove, NV CD Rate Trends
Compare local Zephyr Cove, 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
3.085%
▼ 0.040 vs 7 days ago
Nevada 12-month CD rates fell 0.040 points over the past 7 days to 3.085% APY.
6-Month CD NV Avg
2.742%
▼ 0.035 vs 7 days ago
Nevada 6-month CD rates fell 0.035 points over the past 7 days to 2.742% APY.
As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions
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NV CD Rate Forecast, Next 12 Months
Where are Nevada CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NV 12-Month Avg APY
3.085%
6-Month Forecast
3.085%
Range: 2.89%, 3.24%
12-Month Forecast
3.335%
Range: 3.14%, 3.49%
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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 | 2.351% | $117.53 | $235.06 | $587.65 | $1,175.30 |
| 6-Month CD | 2.742% | $137.11 | $274.22 | $685.55 | $1,371.10 |
| 12-Month CD | 3.085% | $154.26 | $308.51 | $771.28 | $1,542.55 |
| 18-Month CD | 3.347% | $167.37 | $334.73 | $836.83 | $1,673.65 |
| 24-Month CD | 2.919% | $145.97 | $291.94 | $729.85 | $1,459.70 |
| 36-Month CD | 2.835% | $141.76 | $283.51 | $708.78 | $1,417.55 |
| 48-Month CD | 2.869% | $143.45 | $286.90 | $717.25 | $1,434.50 |
| 60-Month CD | 2.884% | $144.20 | $288.40 | $721.00 | $1,442.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026. | |||||
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Sample CD Ladder for Zephyr Cove, 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 | 2.351% | $117.53 |
| 2 | 6-Month CD | $5,000 | 2.742% | $137.11 |
| 3 | 12-Month CD | $5,000 | 3.085% | $154.26 |
| 4 | 24-Month CD | $5,000 | 2.919% | $145.97 |
| 5 | 36-Month CD | $5,000 | 2.835% | $141.76 |
| Total ($25,000 invested) | $25,000 | 2.787% blended | $696.63/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.
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445
CD Rates
Tracked in Zephyr Cove, Nevada
Tracked in Zephyr Cove, Nevada
17 Banks
22 Credit Unions
About Our Zephyr Cove, Nevada CD Rate Database
MonitorBankRates tracks 445 CD rates from 17 banks and 22 credit unions with locations in Zephyr Cove, 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 to 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: Wells Fargo offers a CD at 1.51% APY with a minimum deposit of $2,500. Use the rate table above to compare all current offers in Zephyr Cove, Nevada.
How to Find the Best CD Rates in Zephyr Cove, Nevada
What to compare when shopping for a CD in Zephyr Cove, Nevada
To find the best APYs in Zephyr Cove, Nevada, start with credit unions and online-only banks: Zephyr Cove, Nevada has 22 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 Zephyr Cove, 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 Zephyr Cove, Nevada: 39 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Zephyr Cove, Nevada savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Zephyr Cove, 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
$133/yr
At NV 12-mo avg 3.085% 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 3.085%, saving 10% of the local median salary ($4,301/year) and putting it in a CD would earn an additional $133 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 Zephyr Cove, 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 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Zephyr Cove, Nevada
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Zephyr Cove, Nevada typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Zephyr Cove, Nevada as everywhere in the U.S.
Choosing a CD Term in Zephyr Cove, Nevada
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Zephyr Cove, Nevada savers easier access to their funds. For example, Wells Fargo is offering its Standard Fixed Rate CD 6 month - Relationship at 0.06% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Toyota Financial Savings Bank is offering its 60 Month CD at 5.25% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Zephyr Cove, Nevada Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Zephyr Cove, Nevada saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Zephyr Cove, Nevada
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Zephyr Cove, Nevada CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Zephyr Cove, Nevada
Most CDs carry a fixed rate that is locked for the entire term, protecting a Zephyr Cove, Nevada depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Zephyr Cove, Nevada
Are CD rates in Zephyr Cove, Nevada FDIC insured?
Yes, most established banks in Zephyr Cove, 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 Zephyr Cove, 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 Zephyr Cove, 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 Zephyr Cove, 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 Zephyr Cove, Nevada?
Here are recent top rates found for this area:
- Wells Fargo: 1.51% APY (Standard Fixed Rate CD 1 year - Relationship)
- Toyota Financial Savings Bank: 5.25% APY (60 Month CD)
- Credit One Bank, N.A.: 4.60% APY (High Yield Jumbo CD - 12 Months)
- Weststar Credit Union: 4.55% APY (IRA Term Certificate - 60 Months)
- Mountain America Federal Credit Union: 4.50% APY (24 Month Certificate)
- America First Federal Credit Union: 4.50% APY (60 Month Certificate Account)
- Vio Bank: 4.40% APY (Certificate of Deposit - 24 Month)
- City National Bank: 4.39% APY (Special 12-Month Fixed Rate CD)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Greater Nevada Credit Union: 4.30% APY (60 Month Share Certificate)
Rates reflect recent verified offers available in Zephyr Cove, Nevada. Last Updated: October 23, 2026
Zephyr Cove, Nevada CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Zephyr Cove, Nevada rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Zephyr Cove, Nevada
Zephyr Cove, Nevada CD Calculator
At today’s NV top rate of 1.51% APY, a $10,000 deposit earns $151 in the first year. Enter your amount to see your exact return.
Zephyr Cove, Nevada CD LadderNV CD rates currently range from 2.351% (3-month) to 2.835% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Zephyr Cove, Nevada CD at 1.51% APY, know your exit cost. Most institutions charge 90 to 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 3.085% 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 Zephyr Cove, 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 Zephyr Cove, 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 Zephyr Cove, 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: October 23, 2026
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