What are the best CD rates in Northpoint, Pennsylvania?

Here are recent top rates found for this area: Tendto Credit Union : 4.37% APY (60 month Certificate) Enterprise Bank Allison Park, PA : 4.28% APY (Business 5 Year CD) Citizens & Northern Bank C&N : 4.27% APY (IRA CD 60 Months) Crescent Bank : 4.25% APY (24-month CD) First Keystone Community Bank : 4.25% APY (18 Months) Heritage Financial Credit Union : 4.25% APY (Share/IRA Certificate Special - 12 months) P.C. Federal Credit Union : 4.25% APY (6 Month Certificate of Deposit) U S POSTAL SERVICE : 4.25% APY (1 Year Starter Add-On) Freedom Credit Union : 4.17% APY (24 Month Certificate) People First Federal Credit Union : 4.15% APY (12 Month Business Share Certificate)

A CD ladder involves opening multiple CDs with staggered maturity dates, for example, 3-month, 6-month, 1-year, and 2-year CDs. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

MonitorBankRates

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iAdvertiser Disclosure CD Rate Trends

Northpoint, Pennsylvania Best CD Rates September 2026

Q: Can I withdraw my money early from a CD?

You can, but most institutions charge an early withdrawal penalty, often a number of months of interest (e.g., 3 or 6 months). Specifics vary by institution.

Q: What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs typically require a higher minimum deposit (often $100,000 or more) and may offer slightly higher APYs than standard CDs available in Northpoint, Pennsylvania.

Q: Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the entire term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start lower.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | CD Rates Last Updated and Verified: September 16, 2026

Current Northpoint, Pennsylvania CD rates include Tendto Credit UnionTendto Credit UnionA+5.0 ★Texas Ratio: 3.81%Real return: +1.57%APY minus CPI (February 2026) offering 60 month Certificate at 4.37% APY, Enterprise Bank Allison Park, PAEnterprise Bank Allison Park, PAF1.0 ★Texas Ratio: 84.39%Real return: +1.48%APY minus CPI (February 2026) offering Business 5 Year CD at 4.28% APY, Citizens & Northern Bank C&NCitizens & Northern Bank C&NA5.0 ★Texas Ratio: 11.32%Real return: +1.47%APY minus CPI (February 2026) offering IRA CD 60 Months at 4.27% APY, Crescent BankCrescent BankA+5.0 ★Texas Ratio: 3.24%Real return: +1.45%APY minus CPI (February 2026) offering 24-month CD at 4.25% APY, and First Keystone Community BankFirst Keystone Community BankA-5.0 ★Texas Ratio: 14.74%Real return: +1.45%APY minus CPI (February 2026) offering 18 Months at 4.25% APY. CD rates as of September 16, 2026 according to verified data from MonitorBankRates.

Northpoint is a smaller community with no bank or credit union branches currently in our database. 761 institutions serving the Pennsylvania area are available to Northpoint residents, with CD rates as high as 4.37% APY from Tendto Credit Union. 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: September 16, 2026

Compare Best CD Rates in Northpoint, Pennsylvania & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Northpoint 3 Month CD Rates

National 3 Month CD Average2.04% APY▲ 0.05% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

People First Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.16%

3 Month Business Share Certificate

4.00% ▲ 1.96% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.04%▲ 1.96% above avg

Details

Lehigh Valley Educators Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.78%

Share/IRA Certificate - 3 Months

4.00% ▲ 1.96% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 1.96% above avg

Details

Hidden River Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

3 months (90 Days) Jumbo CD

3.82% ▲ 1.78% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 1.78% above avg

Details

Above $75,000

Hidden River Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

Jumbo CDs (Above - 3 months (90 Days)

3.82% ▲ 1.78% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 1.78% above avg

Details

$75,000

Hidden River Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

3 months (90 Days) CD

3.76% ▲ 1.72% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 1.72% above avg

Details

Hidden River Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

IRA Certificates of Deposit - 3 months (90 Days)

3.76% ▲ 1.72% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 1.72% above avg

Details

Hidden River Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

Regular CDs - 3 months (90 Days)

3.76% ▲ 1.72% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 1.72% above avg

Details

Woori America Bank

Institution Rating:

A5.0 ★Texas Ratio: 11.01%

3-Months CD

$1,000

3.70% ▲ 1.66% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 1.66% above avg

Details

The fixed interest rate is applied until maturity. This account pays simple interest. Interest is not compounded. Interest will be credited to your account at maturity. The account will be renewed automatically with interest rate determined at the time of maturity. Penalty will or may be imposed for early withdrawal. Please see the Bank's current fee schedule.

CACL Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.93%

3 Month Certificate

3.70% ▲ 1.66% above national avg

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.04%▲ 1.66% above avg

Details

CACL Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.93%

3 Month IRA Certificate

3.70% ▲ 1.66% above national avg

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.04%▲ 1.66% above avg

Details

CACL Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.93%

3-Month Certificate

$500

3.70% ▲ 1.66% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.04%▲ 1.66% above avg

Details

APY up to 3.70%

Utilities Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

3 Month IRA Certificate

3.70% ▲ 1.66% above national avg

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 1.66% above avg

Details

Riverfront Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.40%

3 Month Nonpreferred Certificates: Regular, Traditional IRA, Roth IRA, Educational

3.65% ▲ 1.61% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 1.61% above avg

Details

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

Regular & IRA (Traditional & Roth) - 3 months

$500

3.65% ▲ 1.61% above national avg

View

▼

Rate3.59%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 1.61% above avg

Details

A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings

Meridian Bank

Institution Rating:

D3.4 ★Texas Ratio: 34.36%

3 Month CD

$500

3.60% ▲ 1.56% above national avg

View

▼

Rate3.53%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 15, 2026

National Average2.04%▲ 1.56% above avg

Details

*Early withdrawal penalties apply. CDs less than 24 months - 6 month's interest

Kish Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.80%

3 Months CD

$2,000

3.60% ▲ 1.56% above national avg

View

▼

Rate—

Min Deposit$2,000

Min Balance—

Verified and UpdatedSep 15, 2026

National Average2.04%▲ 1.56% above avg

Details

no Annual Percentage Yield (APY)

Utilities Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

3 Month IRA Certificate

3.60% ▲ 1.56% above national avg

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 1.56% above avg

Details

Citadel Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.63%

3 Month Bonus Certificate

3.55% ▲ 1.51% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 1.51% above avg

Details

American Heritage Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.83%

3 Month IRA Certificate

3.55% ▲ 1.51% above national avg

View

▼

Rate3.49%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 1.51% above avg

Details

CommonRoots Federal Credit Union

3 Month Certificate

3.55% ▲ 1.51% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.04%▲ 1.51% above avg

Details

Citadel Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.63%

3 Month Certificate

$500

3.50% ▲ 1.46% above national avg

View

▼

Rate3.45%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 1.46% above avg

Details

Sun East Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.59%

3 Month Regular / IRA

$500

3.50% ▲ 1.46% above national avg

View

▼

Rate3.44%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.04%▲ 1.46% above avg

Details

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

Jumbo Certificate - 3 Month

$10,000

3.50% ▲ 1.46% above national avg

View

▼

Rate3.44%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.04%▲ 1.46% above avg

Details

Franklin Mint Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.81%

3 Month Certificate

3.50% ▲ 1.46% above national avg

View

▼

Rate3.44%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 1.46% above avg

Details

Utilities Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

3 Month IRA Certificate

3.50% ▲ 1.46% above national avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 1.46% above avg

Details

TruMark Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.57%

3-month Certificate

$500

3.45% ▲ 1.41% above national avg

View

▼

Rate3.40%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 1.41% above avg

Details

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

3 Month Certificate

$250

3.40% ▲ 1.36% above national avg

View

▼

Rate3.34%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.04%▲ 1.36% above avg

Details

Diamond Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.60%

90 Day Jumbo Certificate

3.31% ▲ 1.27% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 1.27% above avg

Details

Diamond Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.60%

90 Day Share Certificates

3.31% ▲ 1.27% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 1.27% above avg

Details

Jumbo Certificate

CommonRoots Federal Credit Union

3 Month Certificate

3.29% ▲ 1.25% above national avg

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.04%▲ 1.25% above avg

Details

Diamond Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.60%

90 Day Regular Certificate

3.26% ▲ 1.22% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 1.22% above avg

Details

Diamond Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.60%

90 Day Share Certificates

3.26% ▲ 1.22% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 1.22% above avg

Details

Regular Certificate

Visions Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.82%

3-Month Share Certificate

$500

3.15% ▲ 1.11% above national avg

View

▼

Rate3.10%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 1.11% above avg

Details

Elderton State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.49%

3 Months - Tier account

$1,000

3.10% ▲ 1.06% above national avg

View

▼

Rate3.06%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 11, 2026

National Average2.04%▲ 1.06% above avg

Details

Daily Balances of: $50,000.00-2,000,000.00

Elderton State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.49%

IRA - 3 Months - Tier account

$1,000

3.10% ▲ 1.06% above national avg

View

▼

Rate3.06%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 11, 2026

National Average2.04%▲ 1.06% above avg

Details

Daily Balances of: $50,000.00-2,000,000.00

Wilmington Savings Fund Society (WSFS)

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

3 Month Certificate

$2,500

3.00% ▲ 0.96% above national avg

View

▼

Rate2.96%

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 0.96% above avg

Details

Elderton State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.49%

3 Months - Tier account

$1,000

3.00% ▲ 0.96% above national avg

View

▼

Rate2.96%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 11, 2026

National Average2.04%▲ 0.96% above avg

Details

Daily Balances of: $10,000.00-49,999.99

Elderton State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.49%

IRA - 3 Months - Tier account

$1,000

3.00% ▲ 0.96% above national avg

View

▼

Rate2.96%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 11, 2026

National Average2.04%▲ 0.96% above avg

Details

Daily Balances of: $10,000.00-49,999.99

Elderton State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.49%

3 Months - Tier account

$1,000

2.90% ▲ 0.86% above national avg

View

▼

Rate2.86%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 11, 2026

National Average2.04%▲ 0.86% above avg

Details

Daily Balances of: up to $9,999.99

Elderton State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.49%

IRA - 3 Months - Tier account

$1,000

2.90% ▲ 0.86% above national avg

View

▼

Rate2.86%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 11, 2026

National Average2.04%▲ 0.86% above avg

Details

Daily Balances of: up to $9,999.99

Police And Fire Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.49%

IRA Certificates - 3 month

2.80% ▲ 0.76% above national avg

View

▼

Rate2.77%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 16, 2026

National Average2.04%▲ 0.76% above avg

Details

Police And Fire Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.49%

Jumbo Certificates - 3 month

2.80% ▲ 0.76% above national avg

View

▼

Rate2.77%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 16, 2026

National Average2.04%▲ 0.76% above avg

Details

First Bank (NJ)

Institution Rating:

A5.0 ★Texas Ratio: 6.42%

3 Month Certificate

$500

2.75% ▲ 0.71% above national avg

View

▼

Rate2.71%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 0.71% above avg

Details

NET

Institution Rating:

A+5.0 ★Texas Ratio: 5.96%

3 Month Share Certificate

$1,000

2.75% ▲ 0.71% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 0.71% above avg

Details

Spojnia Credit Union

Institution Rating:

B4.6 ★Texas Ratio: 20.10%

90 Day Share Certificates (CDs)

2.62% ▲ 0.58% above national avg

View

▼

Rate2.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 0.58% above avg

Details

Police And Fire Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.49%

Certificates - 3 month

2.55% ▲ 0.51% above national avg

View

▼

Rate2.52%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 16, 2026

National Average2.04%▲ 0.51% above avg

Details

First Resource Bank Exton, PA

Institution Rating:

A+5.0 ★Texas Ratio: 1.26%

3 Month Certificate

2.50% ▲ 0.46% above national avg

View

▼

Rate2.47%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 0.46% above avg

Details

Minimum Daily Balance of $500 is required to earn the APY*.

First Resource Bank Exton, PA

Institution Rating:

A+5.0 ★Texas Ratio: 1.26%

Certificates of Deposit and IRAs - 3 months

2.50% ▲ 0.46% above national avg

View

▼

Rate2.47%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 0.46% above avg

Details

Minimum Daily Balance of $500 is required to earn the APY*

Enterprise Bank Allison Park, PA

Institution Rating:

F1.0 ★Texas Ratio: 84.39%

Business 3 Month CD

2.48% ▲ 0.44% above national avg

View

▼

Rate2.45%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 0.44% above avg

Details

Self Reliance NY Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.19%

3 Month Certificate

2.27% ▲ 0.23% above national avg

View

▼

Rate2.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.04%▲ 0.23% above avg

Details

Early Withdrawal Penalty: 1 month interest

Northpoint 6 Month CD Rates

National 6 Month CD Average2.75% APY▲ 0.08% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

P.C. Federal Credit Union

Institution Rating:

A-4.9 ★Texas Ratio: 16.24%

6 Month Certificate of Deposit

$100,000

4.25% ▲ 1.50% above national avg

View

▼

Rate4.25%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.50% above avg

Details

P.C. Federal Credit Union

Institution Rating:

A-4.9 ★Texas Ratio: 16.24%

6 Month Certificate of Deposit

$100,000

4.10% ▲ 1.35% above national avg

View

▼

Rate4.10%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.35% above avg

Details

Freedom Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.95%

6 Month Certificate

4.07% ▲ 1.32% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.32% above avg

Details

Freedom Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.95%

6 mos. Certificate

4.07% ▲ 1.32% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.32% above avg

Details

United Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.23%

6 Month Special Certificate

$500

4.05% ▲ 1.30% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.75%▲ 1.30% above avg

Details

Pair a certificate special with an Ultra Checking account and earn up to 4.05% APY for 6 months. IRA eligible. Rates include a 0.10% APY increase when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. If requirements are not met, rates are 3.95% for 6 months. 6 month certificate renews to 6 month standard certificate at maturity.

People First Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.16%

6 Month Business Share Certificate

4.00% ▲ 1.25% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.75%▲ 1.25% above avg

Details

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

Jumbo Certificate - 6 Month

$10,000

4.00% ▲ 1.25% above national avg

View

▼

Rate3.92%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.75%▲ 1.25% above avg

Details

Citymark Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.07%

6-Month Promo

$500

4.00% ▲ 1.25% above national avg

View

▼

Rate3.96%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.25% above avg

Details

new money only

Timberland Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.72%

6-Month IRA Certificate

$1,000

4.00% ▲ 1.25% above national avg

View

▼

Rate3.94%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.25% above avg

Details

Timberland Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.72%

6-Month Share Certificate

$1,000

4.00% ▲ 1.25% above national avg

View

▼

Rate3.94%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.25% above avg

Details

FedEx Employees Credit Association Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.71%

6 Month Share Certificate - 6 months

4.00% ▲ 1.25% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.25% above avg

Details

Under $50,000; Dividends Paid at Maturity

FedEx Employees Credit Association Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.71%

6 Month Share Certificate - 6 months ($50,000 & up)

4.00% ▲ 1.25% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.25% above avg

Details

Dividends Paid Monthly

FedEx Employees Credit Association Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.71%

6 Month Share Certificate - 6 months (Under $50,000)

4.00% ▲ 1.25% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.25% above avg

Details

Dividends Paid at Maturity

Lehigh Valley Educators Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.78%

Share/IRA Certificate - 6 Months

4.00% ▲ 1.25% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.25% above avg

Details

UFCW COMMUNITY

Institution Rating:

A+5.0 ★Texas Ratio: 2.81%

6 Month IRA Certificate

4.00% ▲ 1.25% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.25% above avg

Details

United Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.23%

6 Month Certificate Special

3.95% ▲ 1.20% above national avg

View

▼

Rate3.89%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.75%▲ 1.20% above avg

Details

APY with Bonus Rate: 4.05%. Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.

United Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.23%

6 Month Certificate Special - 6 months

3.95% ▲ 1.20% above national avg

View

▼

Rate3.89%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.75%▲ 1.20% above avg

Details

Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Highlighted rows are current specials.

Enterprise Bank Allison Park, PA

Institution Rating:

F1.0 ★Texas Ratio: 84.39%

Business 6 Month CD

3.92% ▲ 1.17% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.17% above avg

Details

Self Reliance NY Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.19%

6 Month Certificate

3.92% ▲ 1.17% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.17% above avg

Details

Early Withdrawal Penalty: 1 month interest

OceanFirst Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.26%

6 Month CD

$5,000

3.90% ▲ 1.15% above national avg

View

▼

Rate3.83%

Min Deposit$5,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.15% above avg

Details

Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 8/25/2026. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for a 6-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. IRA eligible. Additional restrictions may apply.

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

6 Month Certificate

$250

3.90% ▲ 1.15% above national avg

View

▼

Rate3.83%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.75%▲ 1.15% above avg

Details

Peoples Security Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.51%

6 Month Pick Your Term

$5,000

3.85% ▲ 1.10% above national avg

View

▼

Rate3.80%

Min Deposit$5,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.10% above avg

Details

Term: 6 Month Pick Your Term

Quaint Oak Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.98%

6 Month CD

3.85% ▲ 1.10% above national avg

View

▼

Rate3.73%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.10% above avg

Details

CommonRoots Federal Credit Union

6 Month Certificate

3.80% ▲ 1.05% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.75%▲ 1.05% above avg

Details

First Heritage Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.87%

6 Month Jumbo Certificate

3.80% ▲ 1.05% above national avg

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.05% above avg

Details

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

Regular & IRA (Traditional & Roth) - 6 months

$500

3.80% ▲ 1.05% above national avg

View

▼

Rate3.74%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.05% above avg

Details

A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings

AAC Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.21%

Certificates of Deposit - 6 Month

3.80% ▲ 1.05% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.05% above avg

Details

Rates also apply to IRA and HSA Certificates of Deposit.

Utilities Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

6 Month IRA Certificate

3.80% ▲ 1.05% above national avg

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.05% above avg

Details

MERCK SHARP and DOHME

Institution Rating:

A+5.0 ★Texas Ratio: 1.25%

6-Month Certificate

3.80% ▲ 1.05% above national avg

View

▼

Rate3.73%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.05% above avg

Details

FORGE Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.36%

6 Month Share Certificates

$500

3.80% ▲ 1.05% above national avg

View

▼

Rate3.73%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.05% above avg

Details

Hidden River Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

6 months (180 Days) Jumbo CD

3.76% ▲ 1.01% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.01% above avg

Details

Above $75,000

Hidden River Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

Jumbo CDs (Above - 6 months (180 Days)

3.76% ▲ 1.01% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.01% above avg

Details

$75,000

Woori America Bank

Institution Rating:

A5.0 ★Texas Ratio: 11.01%

6-Months CD

$1,000

3.75% ▲ 1.00% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.00% above avg

Details

Ameriserv Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.69%

6-Month CD

3.75% ▲ 1.00% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 15, 2026

National Average2.75%▲ 1.00% above avg

Details

Bethlehem 1st Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.83%

6 Month Share Certificates

3.75% ▲ 1.00% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 16, 2026

National Average2.75%▲ 1.00% above avg

Details

Upper Darby Bell Telco Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.21%

CD - 6 months

$500

3.75% ▲ 1.00% above national avg

View

▼

Rate3.68%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 16, 2026

National Average2.75%▲ 1.00% above avg

Details

Steel Strong Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.98%

6 Month Term Share Certificate

3.75% ▲ 1.00% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.00% above avg

Details

American Heritage Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.83%

6 Month IRA Certificate

3.75% ▲ 1.00% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.00% above avg

Details

PennTech Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.28%

Share Certificate - 6-MONTH

$500

3.75% ▲ 1.00% above national avg

View

▼

Rate3.75%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.00% above avg

Details

EFFECTIVE 10/01/2025

Mountain Laurel Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.11%

6 mo. Cert.

$500

3.75% ▲ 1.00% above national avg

View

▼

Rate3.75%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.00% above avg

Details

Mountain Laurel Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.11%

6 month certificate

$500

3.75% ▲ 1.00% above national avg

View

▼

Rate3.75%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.00% above avg

Details

Service 1st Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.52%

6 Month Certificate

3.75% ▲ 1.00% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.00% above avg

Details

APY = Annual Percentage Yield. The APY is current as of 9/1/2026. Fees could reduce earnings to the account. All Credit Union programs, rates, terms and conditions are subject to change at any time without notice. Penalty for early withdrawal. Call us at 800.562.6049 for current information.

TruMark Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.57%

6-month Jumbo Certificate

3.75% ▲ 1.00% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 1.00% above avg

Details

Hidden River Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

6 months (180 Days) CD

3.71% ▲ 0.96% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 0.96% above avg

Details

Hidden River Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

IRA Certificates of Deposit - 6 months (180 Days)

3.71% ▲ 0.96% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 0.96% above avg

Details

Hidden River Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

Regular CDs - 6 months (180 Days)

3.71% ▲ 0.96% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 0.96% above avg

Details

Elderton State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.49%

6 Months - Tier account

$1,000

3.70% ▲ 0.95% above national avg

View

▼

Rate3.64%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 11, 2026

National Average2.75%▲ 0.95% above avg

Details

Daily Balances of: $50,000.00-2,000,000.00

Elderton State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.49%

IRA - 6 Months - Tier account

$1,000

3.70% ▲ 0.95% above national avg

View

▼

Rate3.64%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 11, 2026

National Average2.75%▲ 0.95% above avg

Details

Daily Balances of: $50,000.00-2,000,000.00

Riverfront Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.40%

6 Month Nonpreferred Certificates: Regular, Traditional IRA, Roth IRA, Educational

3.70% ▲ 0.95% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.75%▲ 0.95% above avg

Details

Sun East Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.59%

6 Month Regular / IRA

$500

3.70% ▲ 0.95% above national avg

View

▼

Rate3.63%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.75%▲ 0.95% above avg

Details

Northpoint 12 Month CD Rates

National 12 Month CD Average2.92% APY▲ 0.08% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Heritage Financial Credit Union

Share/IRA Certificate Special - 12 months

$2,500

4.25% ▲ 1.33% above national avg

View

▼

Rate4.18%

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 1.33% above avg

Details

Minimum: $,2500 new money** or open qualifying account

U S POSTAL SERVICE

Institution Rating:

A+5.0 ★Texas Ratio: 4.56%

1 Year Starter Add-On

4.25% ▲ 1.33% above national avg

View

▼

Rate4.18%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 1.33% above avg

Details

People First Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.16%

12 Month Business Share Certificate

4.15% ▲ 1.23% above national avg

View

▼

Rate4.07%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.92%▲ 1.23% above avg

Details

FORGE Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.36%

12 Month Share Certificates

$50,000

4.10% ▲ 1.18% above national avg

View

▼

Rate4.03%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 1.18% above avg

Details

U S POSTAL SERVICE

Institution Rating:

A+5.0 ★Texas Ratio: 4.56%

1 Year Add-On Certificate

4.10% ▲ 1.18% above national avg

View

▼

Rate4.04%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 1.18% above avg

Details

Enterprise Bank Allison Park, PA

Institution Rating:

F1.0 ★Texas Ratio: 84.39%

Business 1 Year CD

4.07% ▲ 1.15% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 1.15% above avg

Details

Freedom Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.95%

12 Month Certificate

4.07% ▲ 1.15% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 1.15% above avg

Details

Freedom Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.95%

12 mos. Certificate

4.07% ▲ 1.15% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 1.15% above avg

Details

MERHO Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.64%

12 Month Certificate

$500

4.06% ▲ 1.14% above national avg

View

▼

Rate4.00%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 1.14% above avg

Details

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

Jumbo Certificate - 1 Year

$10,000

4.05% ▲ 1.13% above national avg

View

▼

Rate3.97%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.92%▲ 1.13% above avg

Details

Crescent Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.24%

12 month CD

$1,000

4.00% ▲ 1.08% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 1.08% above avg

Details

Slovenian S&L of Canonsburg

Institution Rating:

A+5.0 ★Texas Ratio: 5.32%

12 Month Certificate

$1,000

4.00% ▲ 1.08% above national avg

View

▼

Rate3.87%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 1.08% above avg

Details

Bethlehem 1st Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.83%

12 Month Roth IRA Certificate

4.00% ▲ 1.08% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 16, 2026

National Average2.92%▲ 1.08% above avg

Details

Bethlehem 1st Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.83%

12 Month Share Certificates

4.00% ▲ 1.08% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 16, 2026

National Average2.92%▲ 1.08% above avg

Details

Bethlehem 1st Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.83%

12 Month Traditional IRA Certificate

4.00% ▲ 1.08% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 16, 2026

National Average2.92%▲ 1.08% above avg

Details

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

Regular & IRA (Traditional & Roth) - 12 months

$500

4.00% ▲ 1.08% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 1.08% above avg

Details

A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings

York Educational Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

Special CD Rate: 12-months

4.00% ▲ 1.08% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 1.08% above avg

Details

FedEx Employees Credit Association Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.71%

12 Month Share Certificate - 12 months

4.00% ▲ 1.08% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 1.08% above avg

Details

Under $50,000; Dividends Paid at Maturity

FedEx Employees Credit Association Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.71%

12 Month Share Certificate - 12 months ($50,000 & up)

4.00% ▲ 1.08% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 1.08% above avg

Details

Dividends Paid Monthly

FedEx Employees Credit Association Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.71%

12 Month Share Certificate - 12 months (Under $50,000)

4.00% ▲ 1.08% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 1.08% above avg

Details

Dividends Paid at Maturity

Service 1st Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.52%

12 Month Certificate

4.00% ▲ 1.08% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 1.08% above avg

Details

North Districts Credit Union

Institution Rating:

A-4.9 ★Texas Ratio: 16.80%

1 Year - Promo CD

$1,000

4.00% ▲ 1.08% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 1.08% above avg

Details

North Districts Credit Union

Institution Rating:

A-4.9 ★Texas Ratio: 16.80%

1 Year Certificate of Deposit

$1,000

4.00% ▲ 1.08% above national avg

View

▼

Rate4.00%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 1.08% above avg

Details

Promo

North Districts Credit Union

Institution Rating:

A-4.9 ★Texas Ratio: 16.80%

1-year CD

$1,000

4.00% ▲ 1.08% above national avg

View

▼

Rate4.00%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 1.08% above avg

Details

Rate is also 4.00% as dividends are posted annually. Offer may end without notice.

Lehigh Valley Educators Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.78%

Share/IRA Certificate - 12 Months

4.00% ▲ 1.08% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 1.08% above avg

Details

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

1 Year Youth Flex Certificate

4.00% ▲ 1.08% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 1.08% above avg

Details

Additional deposits of $10 or more up to the max limit allowed per day. Youth Flex Certificate is only for members from ages 0-21. One time option to change the rate offered on the same product. One time option to withdraw up to 25% of principal with no penalty.

Heritage Financial Credit Union

Share/IRA Certificate Special - 12 months

$500

4.00% ▲ 1.08% above national avg

View

▼

Rate3.94%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 1.08% above avg

Details

FORGE Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.36%

12 Month Share Certificates

$25,000

4.00% ▲ 1.08% above national avg

View

▼

Rate3.93%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 1.08% above avg

Details

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

1 Year Certificate

$500

3.95% ▲ 1.03% above national avg

View

▼

Rate3.87%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.92%▲ 1.03% above avg

Details

Mountain Laurel Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.11%

12 mo. Cert

$500

3.95% ▲ 1.03% above national avg

View

▼

Rate3.95%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 1.03% above avg

Details

Mountain Laurel Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.11%

12 month certificate

$500

3.95% ▲ 1.03% above national avg

View

▼

Rate3.95%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 1.03% above avg

Details

American Heritage Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.83%

12 Month (IRA Certificate)

3.91% ▲ 0.99% above national avg

View

▼

Rate3.84%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 0.99% above avg

Details

IRA Certificate

Quaint Oak Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.98%

12 Month CD

3.90% ▲ 0.98% above national avg

View

▼

Rate3.77%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 0.98% above avg

Details

Riverfront Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.40%

12 Month Nonpreferred Certificates: Regular, Traditional IRA, Roth IRA, Educational

3.90% ▲ 0.98% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 0.98% above avg

Details

MC Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.99%

12 Month Jumbo Share Certificates - Special Relationship

$50,000

3.90% ▲ 0.98% above national avg

View

▼

Rate3.85%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 0.98% above avg

Details

APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required.

MC Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.99%

Jumbo HSA Certificate 12 Months - Special Relationship

3.90% ▲ 0.98% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 0.98% above avg

Details

Special Relationship

MC Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.99%

Jumbo HSA Certificates - 12 Months

3.90% ▲ 0.98% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 0.98% above avg

Details

Special Relationship

FORGE Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.36%

12 Month Share Certificates

$10,000

3.90% ▲ 0.98% above national avg

View

▼

Rate3.83%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 0.98% above avg

Details

Self Reliance NY Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.19%

12 Month Certificate

3.87% ▲ 0.95% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 0.95% above avg

Details

Early Withdrawal Penalty: 3 month interest

Peoples Security Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.51%

12 Month Pick Your Term

$5,000

3.85% ▲ 0.93% above national avg

View

▼

Rate3.80%

Min Deposit$5,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 0.93% above avg

Details

Term: 12 Month Pick Your Term

Second Federal S&L

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

12 Month Certificates Of Deposit

3.85% ▲ 0.93% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 15, 2026

National Average2.92%▲ 0.93% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

12 Month Regular Certificates

$500

3.85% ▲ 0.93% above national avg

View

▼

Rate3.78%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.92%▲ 0.93% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

IRA Certificate 12-Month

$500

3.85% ▲ 0.93% above national avg

View

▼

Rate3.78%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.92%▲ 0.93% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

IRA Certificates - 12-Month

$500

3.85% ▲ 0.93% above national avg

View

▼

Rate3.78%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.92%▲ 0.93% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

Regular Certificates - 12-Month

$500

3.85% ▲ 0.93% above national avg

View

▼

Rate3.78%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.92%▲ 0.93% above avg

Details

C-B-W Schools Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.20%

Mini-Jumbo - 1 Year Certificate

$50,000

3.85% ▲ 0.93% above national avg

View

▼

Rate3.85%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 0.93% above avg

Details

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

1 Year Certificate

3.85% ▲ 0.93% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 0.93% above avg

Details

Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

Jumbo and Jumbo IRA Certificates - 1 Year

3.85% ▲ 0.93% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 0.93% above avg

Details

$100,000 and Above

MERCK SHARP and DOHME

Institution Rating:

A+5.0 ★Texas Ratio: 1.25%

12-Month Certificate

3.85% ▲ 0.93% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.92%▲ 0.93% above avg

Details

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

12 Month Certificate

$75,000

3.82% ▲ 0.90% above national avg

View

▼

Rate3.75%

Min Deposit$75,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.92%▲ 0.90% above avg

Details

Northpoint 18 Month CD Rates

National 18 Month CD Average2.82% APY▲ 0.15% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Tendto Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.81%

18-Month Term Certificate

4.28% ▲ 1.46% above national avg

View

▼

Rate4.21%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.46% above avg

Details

First Keystone Community Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.74%

18 Months

$1,000

4.25% ▲ 1.43% above national avg

View

▼

Rate4.18%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.82%▲ 1.43% above avg

Details

Self Reliance NY Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.19%

18 Month Certificate

4.08% ▲ 1.26% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.26% above avg

Details

Early Withdrawal Penalty: 3 month interest

Citizens Savings Bank Clarks Summit, PA

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

12, 15, or 18-Month CDs

4.07% ▲ 1.25% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.25% above avg

Details

Freedom Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.95%

18 Month Certificate

4.07% ▲ 1.25% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.25% above avg

Details

Freedom Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.95%

18 mos. Certificate

4.07% ▲ 1.25% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.25% above avg

Details

Tendto Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.81%

18-Month Term Certificate

4.07% ▲ 1.25% above national avg

View

▼

Rate4.01%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.25% above avg

Details

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

18 Month Certificate

4.01% ▲ 1.19% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.19% above avg

Details

Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

Jumbo and Jumbo IRA Certificates - 18 Months

4.01% ▲ 1.19% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.19% above avg

Details

$100,000 and Above

Peoples Security Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.51%

18 Month Pick Your Term

$5,000

4.00% ▲ 1.18% above national avg

View

▼

Rate3.94%

Min Deposit$5,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.18% above avg

Details

Term: 18 Month Pick Your Term

The Honesdale National Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.92%

CD Special: 18 Months

4.00% ▲ 1.18% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.82%▲ 1.18% above avg

Details

APY range: 4.00% - 4.01%

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

Jumbo Certificate - 18 Month

$10,000

4.00% ▲ 1.18% above national avg

View

▼

Rate3.92%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.82%▲ 1.18% above avg

Details

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

Regular & IRA (Traditional & Roth) - 18 months

$500

4.00% ▲ 1.18% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.18% above avg

Details

A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings

Franklin Mint Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.81%

18 Month Certificate

4.00% ▲ 1.18% above national avg

View

▼

Rate3.92%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.18% above avg

Details

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

18 Month Certificate

3.96% ▲ 1.14% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.14% above avg

Details

Penalty for early withdrawal.

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

18 Month Term Certificates

3.96% ▲ 1.14% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.14% above avg

Details

Quaint Oak Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.98%

18 Month CD

3.95% ▲ 1.13% above national avg

View

▼

Rate3.82%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.13% above avg

Details

American Heritage Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.83%

18 Month (Legacy Club)

3.91% ▲ 1.09% above national avg

View

▼

Rate3.84%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.09% above avg

Details

Legacy Club

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

18 Month Regular Certificates

$500

3.90% ▲ 1.08% above national avg

View

▼

Rate3.83%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.82%▲ 1.08% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

IRA Certificate 18-Month

$500

3.90% ▲ 1.08% above national avg

View

▼

Rate3.83%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.82%▲ 1.08% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

IRA Certificates - 18-Month

$500

3.90% ▲ 1.08% above national avg

View

▼

Rate3.83%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.82%▲ 1.08% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

Regular Certificates - 18-Month

$500

3.90% ▲ 1.08% above national avg

View

▼

Rate3.83%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.82%▲ 1.08% above avg

Details

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

18 Month Certificate

$500

3.90% ▲ 1.08% above national avg

View

▼

Rate3.83%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.82%▲ 1.08% above avg

Details

Tendto Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.81%

18-Month Term Certificate

3.86% ▲ 1.04% above national avg

View

▼

Rate3.81%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.04% above avg

Details

M&T Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.93%

18 MONTH SELECT Certificate of Deposit

$1,000

3.85% ▲ 1.03% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.03% above avg

Details

Requires a qualifying checking account.

M&T Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.93%

18-Month M&T Select CD

3.85% ▲ 1.03% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.03% above avg

Details

Grove City Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.13%

18 Month Share Certificates

3.85% ▲ 1.03% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.82%▲ 1.03% above avg

Details

MERCK SHARP and DOHME

Institution Rating:

A+5.0 ★Texas Ratio: 1.25%

18-Month Certificate

3.85% ▲ 1.03% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.03% above avg

Details

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

18 Month Certificate

$75,000

3.82% ▲ 1.00% above national avg

View

▼

Rate3.75%

Min Deposit$75,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.82%▲ 1.00% above avg

Details

American Heritage Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.83%

18 Month IRA Certificate

3.81% ▲ 0.99% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.99% above avg

Details

Bva Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.45%

Share Certificates - 18 Months

3.80% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.98% above avg

Details

($1000 minimum)

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

18 Month Certificate

$50,000

3.77% ▲ 0.95% above national avg

View

▼

Rate3.70%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.82%▲ 0.95% above avg

Details

Second Federal S&L

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

18 Month Certificates Of Deposit

3.75% ▲ 0.93% above national avg

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 15, 2026

National Average2.82%▲ 0.93% above avg

Details

First Peoples Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.23%

18 Month Certificate Special

3.75% ▲ 0.93% above national avg

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.93% above avg

Details

Pennstar Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.59%

18 Month Certificate

3.75% ▲ 0.93% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.93% above avg

Details

Ingersoll Rand Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

IRA Share Certificate 18 Month

$1,000

3.75% ▲ 0.93% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.93% above avg

Details

Ardent Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.06%

18-month Flex Certificate

3.75% ▲ 0.93% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.93% above avg

Details

Ardent Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.06%

18-month IRA Growth Certificate

3.75% ▲ 0.93% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.93% above avg

Details

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

18 Month Certificate

$500

3.72% ▲ 0.90% above national avg

View

▼

Rate3.65%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.82%▲ 0.90% above avg

Details

First Heritage Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.87%

18 Month Jumbo Certificate

3.71% ▲ 0.89% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.89% above avg

Details

OceanFirst Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.26%

18 Month CD

$5,000

3.70% ▲ 0.88% above national avg

View

▼

Rate3.64%

Min Deposit$5,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.88% above avg

Details

Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 8/25/2026. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for an 18-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Additional restrictions may apply.

Citadel Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.63%

18 Month Bonus Certificate

3.70% ▲ 0.88% above national avg

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.88% above avg

Details

Riverfront Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.40%

18 Month Nonpreferred Certificates: Regular, Traditional IRA, Roth IRA, Educational

3.70% ▲ 0.88% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.88% above avg

Details

Discovery Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.26%

18 Month Certificate

3.70% ▲ 0.88% above national avg

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.88% above avg

Details

Utilities Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

18 Month IRA Certificate

3.70% ▲ 0.88% above national avg

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.88% above avg

Details

Hidden River Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

Jumbo CDs (Above - 18 months

3.66% ▲ 0.84% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.84% above avg

Details

$75,000

Citadel Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.63%

18 Month Certificate

$500

3.65% ▲ 0.83% above national avg

View

▼

Rate3.59%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.83% above avg

Details

Penn State Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.83%

18 Month Certificate

$500

3.65% ▲ 0.83% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.83% above avg

Details

Penn State Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.83%

Business 18 Month Certificate

$500

3.65% ▲ 0.83% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.83% above avg

Details

Pennsylvania State Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.38%

18 Month Certificate

3.65% ▲ 0.83% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.83% above avg

Details

Northpoint 24 Month CD Rates

National 24 Month CD Average2.84% APY▲ 0.13% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Crescent Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.24%

24-month CD

$1,000

4.25% ▲ 1.41% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.41% above avg

Details

Freedom Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.95%

24 Month Certificate

4.17% ▲ 1.33% above national avg

View

▼

Rate4.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.33% above avg

Details

Freedom Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.95%

24 mos. Certificate

4.17% ▲ 1.33% above national avg

View

▼

Rate4.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.33% above avg

Details

Spirit Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.09%

2 Year Share Certificate / IRA Certificate

4.15% ▲ 1.31% above national avg

View

▼

Rate4.07%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.31% above avg

Details

Enterprise Bank Allison Park, PA

Institution Rating:

F1.0 ★Texas Ratio: 84.39%

Business 2 Year CD

4.13% ▲ 1.29% above national avg

View

▼

Rate4.05%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.29% above avg

Details

TruMark Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.57%

24-month Jumbo Certificate

4.10% ▲ 1.26% above national avg

View

▼

Rate4.03%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.26% above avg

Details

Community Connect Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.84%

24 Months Share Certificate

4.08% ▲ 1.24% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.24% above avg

Details

Mifflinburg B&T CO.

Institution Rating:

A+5.0 ★Texas Ratio: 5.92%

24 Month Certificate

$100

4.06% ▲ 1.22% above national avg

View

▼

Rate4.00%

Min Deposit$100

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.22% above avg

Details

All CDs compounded quarterly. Withdrawals will reduce earnings.Substantial penalty for early withdrawal.

Mifflinburg B&T CO.

Institution Rating:

A+5.0 ★Texas Ratio: 5.92%

24 Months CD

$500

4.06% ▲ 1.22% above national avg

View

▼

Rate4.00%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.22% above avg

Details

Rates are subject to change without notice. All CDs compounded quarterly. Annual Percentage Yields presented assume Bank's standard compounding practices and assumes that interest will remain on deposit until maturity. Withdrawals will reduce earnings.Substantial penalty for early withdrawal. Please contact a Universal Banker for more information on rates, terms, and applicable fees.

Ardent Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.06%

24-month Certificate/IRA

4.05% ▲ 1.21% above national avg

View

▼

Rate3.98%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.21% above avg

Details

TruMark Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.57%

24-month Bump-Up Certificate

$500

4.05% ▲ 1.21% above national avg

View

▼

Rate3.98%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.21% above avg

Details

TruMark Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.57%

24-month Bump-Up IRA

$500

4.05% ▲ 1.21% above national avg

View

▼

Rate3.98%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.21% above avg

Details

TruMark Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.57%

24-month Certificate

$500

4.05% ▲ 1.21% above national avg

View

▼

Rate3.98%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.21% above avg

Details

TruMark Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.57%

24-month Fixed-Rate IRA Only

$500

4.05% ▲ 1.21% above national avg

View

▼

Rate3.98%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.21% above avg

Details

Peoples Security Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.51%

24 Month Pick Your Term

$5,000

4.00% ▲ 1.16% above national avg

View

▼

Rate3.94%

Min Deposit$5,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.16% above avg

Details

Term: 24 Month Pick Your Term

Journey Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.57%

24 Month Certificate

4.00% ▲ 1.16% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.84%▲ 1.16% above avg

Details

Quaint Oak Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.98%

2 Year CD

4.00% ▲ 1.16% above national avg

View

▼

Rate3.87%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.16% above avg

Details

Top Tier Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

24 Month Term Certificate

$500

4.00% ▲ 1.16% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 16, 2026

National Average2.84%▲ 1.16% above avg

Details

No New Money Requirements

American Heritage Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.83%

24 Month IRA Certificate

4.00% ▲ 1.16% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.16% above avg

Details

Grove City Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.13%

24 Month Share Certificates - SPECIAL

4.00% ▲ 1.16% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.84%▲ 1.16% above avg

Details

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

Regular & IRA (Traditional & Roth) - 24 months

$500

4.00% ▲ 1.16% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.16% above avg

Details

A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings

Franklin Oil Region Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.70%

24 Month IRA Certificate

$500

4.00% ▲ 1.16% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.16% above avg

Details

Franklin Oil Region Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.70%

24 Month Share Certificates

$500

4.00% ▲ 1.16% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.16% above avg

Details

Allegheny Valley Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.05%

2 Year Share Certificates

4.00% ▲ 1.16% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.16% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

24 Month Regular Certificates

$500

3.90% ▲ 1.06% above national avg

View

▼

Rate3.83%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.84%▲ 1.06% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

IRA Certificate 24-Month

$500

3.90% ▲ 1.06% above national avg

View

▼

Rate3.83%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.84%▲ 1.06% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

IRA Certificates - 24-Month

$500

3.90% ▲ 1.06% above national avg

View

▼

Rate3.83%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.84%▲ 1.06% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

Regular Certificates - 24-Month

$500

3.90% ▲ 1.06% above national avg

View

▼

Rate3.83%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.84%▲ 1.06% above avg

Details

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

Jumbo Certificate - 2 Year

$10,000

3.90% ▲ 1.06% above national avg

View

▼

Rate3.83%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.84%▲ 1.06% above avg

Details

MERCK SHARP and DOHME

Institution Rating:

A+5.0 ★Texas Ratio: 1.25%

Jumbo Certificates - 24-Month

3.90% ▲ 1.06% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.06% above avg

Details

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

24 Month Certificate

$75,000

3.87% ▲ 1.03% above national avg

View

▼

Rate3.80%

Min Deposit$75,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.84%▲ 1.03% above avg

Details

Milton Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

1 1/2 Year CD

$500

3.85% ▲ 1.01% above national avg

View

▼

Rate3.81%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.01% above avg

Details

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

2 Year Certificate

3.84% ▲ 1.00% above national avg

View

▼

Rate3.79%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.00% above avg

Details

Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

Jumbo and Jumbo IRA Certificates - 2 Years

3.84% ▲ 1.00% above national avg

View

▼

Rate3.79%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.00% above avg

Details

$100,000 and Above

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

24 Month Certificate

$50,000

3.82% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.84%▲ 0.98% above avg

Details

Widget Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

24 Month Certificate

3.82% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 0.98% above avg

Details

Citadel Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.63%

24 Month Bonus Certificate

3.80% ▲ 0.96% above national avg

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 0.96% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

24 Month Add-On Certificate

$500

3.80% ▲ 0.96% above national avg

View

▼

Rate3.74%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.84%▲ 0.96% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

IRA Certificate 24-Month Add-On

$500

3.80% ▲ 0.96% above national avg

View

▼

Rate3.74%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.84%▲ 0.96% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

IRA Certificates - 24-Month Add-On

$500

3.80% ▲ 0.96% above national avg

View

▼

Rate3.74%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.84%▲ 0.96% above avg

Details

Add-On

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

Regular Certificates - 24-Month Add-On

$500

3.80% ▲ 0.96% above national avg

View

▼

Rate3.74%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.84%▲ 0.96% above avg

Details

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

2 Year Certificate

$500

3.80% ▲ 0.96% above national avg

View

▼

Rate3.73%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.84%▲ 0.96% above avg

Details

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

2 Year Certificate

3.79% ▲ 0.95% above national avg

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 0.95% above avg

Details

Penalty for early withdrawal.

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

2 Year Term Certificates

3.79% ▲ 0.95% above national avg

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 0.95% above avg

Details

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

24 Month Certificate

$500

3.77% ▲ 0.93% above national avg

View

▼

Rate3.70%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.84%▲ 0.93% above avg

Details

Journey Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.57%

24 Month Certificate

3.75% ▲ 0.91% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.84%▲ 0.91% above avg

Details

Milton Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

2 Year CD

$500

3.75% ▲ 0.91% above national avg

View

▼

Rate3.71%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 0.91% above avg

Details

Citadel Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.63%

24 Month Certificate

$500

3.75% ▲ 0.91% above national avg

View

▼

Rate3.69%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 0.91% above avg

Details

Upper Darby Bell Telco Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.21%

CD - 24 months

$500

3.75% ▲ 0.91% above national avg

View

▼

Rate3.68%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 16, 2026

National Average2.84%▲ 0.91% above avg

Details

Greater Pittsburgh Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.19%

2 Year Certificate

$1,000

3.75% ▲ 0.91% above national avg

View

▼

Rate3.70%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 0.91% above avg

Details

Northpoint 36 Month CD Rates

National 36 Month CD Average2.77% APY▲ 0.13% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Enterprise Bank Allison Park, PA

Institution Rating:

F1.0 ★Texas Ratio: 84.39%

Business 3 Year CD

4.18% ▲ 1.41% above national avg

View

▼

Rate4.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.41% above avg

Details

U S POSTAL SERVICE

Institution Rating:

A+5.0 ★Texas Ratio: 4.56%

3 Years Add-On Certificate

4.15% ▲ 1.38% above national avg

View

▼

Rate4.09%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.38% above avg

Details

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

IRA CD 36 Months

4.11% ▲ 1.34% above national avg

View

▼

Rate4.05%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.77%▲ 1.34% above avg

Details

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

IRA CD 36 Months

4.06% ▲ 1.29% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.77%▲ 1.29% above avg

Details

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

3 Year Certificate

4.06% ▲ 1.29% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.29% above avg

Details

Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

Jumbo and Jumbo IRA Certificates - 3 Years

4.06% ▲ 1.29% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.29% above avg

Details

$100,000 and Above

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

3 Year Certificate

4.01% ▲ 1.24% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.24% above avg

Details

Penalty for early withdrawal.

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

3 Year Term Certificates

4.01% ▲ 1.24% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.24% above avg

Details

Grove City Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.13%

36 Month Share Certificates - SPECIAL

4.00% ▲ 1.23% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.77%▲ 1.23% above avg

Details

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

Regular & IRA (Traditional & Roth) - 36 months

$500

4.00% ▲ 1.23% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.23% above avg

Details

A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings

Pennstar Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.59%

36 Month Certificate

4.00% ▲ 1.23% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.23% above avg

Details

Elderton State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.49%

IRA - 36 Months - Tier account

$1,000

3.96% ▲ 1.19% above national avg

View

▼

Rate3.00%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 11, 2026

National Average2.77%▲ 1.19% above avg

Details

Daily Balances of: $10,000.00-49,999.99

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

36 Month Regular Certificates

$1,000

3.95% ▲ 1.18% above national avg

View

▼

Rate3.88%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.77%▲ 1.18% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

IRA Certificate 36-Month

$1,000

3.95% ▲ 1.18% above national avg

View

▼

Rate3.88%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.77%▲ 1.18% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

IRA Certificates - 36-Month

$1,000

3.95% ▲ 1.18% above national avg

View

▼

Rate3.88%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.77%▲ 1.18% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

Regular Certificates - 36-Month

$1,000

3.95% ▲ 1.18% above national avg

View

▼

Rate3.88%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.77%▲ 1.18% above avg

Details

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

36 Month Certificate

$75,000

3.92% ▲ 1.15% above national avg

View

▼

Rate3.85%

Min Deposit$75,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.77%▲ 1.15% above avg

Details

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

IRA CD 36 Months

3.91% ▲ 1.14% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.77%▲ 1.14% above avg

Details

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

36 Month Certificate

$50,000

3.87% ▲ 1.10% above national avg

View

▼

Rate3.80%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.77%▲ 1.10% above avg

Details

Widget Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

36 Month Certificate

3.87% ▲ 1.10% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.10% above avg

Details

Ardent Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.06%

36-month Certificate/IRA

3.85% ▲ 1.08% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.08% above avg

Details

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

36 Month Certificate

$500

3.82% ▲ 1.05% above national avg

View

▼

Rate3.75%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.77%▲ 1.05% above avg

Details

American Heritage Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.83%

36 Month IRA Certificate

3.81% ▲ 1.04% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.04% above avg

Details

Freedom Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.95%

36 Month Certificate

3.81% ▲ 1.04% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.04% above avg

Details

Freedom Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.95%

36 mos. Certificate

3.81% ▲ 1.04% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.04% above avg

Details

Moonlight Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.23%

36 Month Certificate

3.80% ▲ 1.03% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.03% above avg

Details

Citadel Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.63%

36 Month Bonus Certificate

3.80% ▲ 1.03% above national avg

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.03% above avg

Details

Discovery Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.26%

36 Month Certificate

3.80% ▲ 1.03% above national avg

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.03% above avg

Details

Utilities Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

36 Month IRA Certificate

3.80% ▲ 1.03% above national avg

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.03% above avg

Details

MERCK SHARP and DOHME

Institution Rating:

A+5.0 ★Texas Ratio: 1.25%

Jumbo Certificates - 36-Month

3.80% ▲ 1.03% above national avg

View

▼

Rate3.73%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.03% above avg

Details

First Heritage Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.87%

36 Month Jumbo Certificate

3.76% ▲ 0.99% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.99% above avg

Details

Diamond Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.60%

36 Month Jumbo Certificate

3.76% ▲ 0.99% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.99% above avg

Details

Diamond Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.60%

36 Month Share Certificates

3.76% ▲ 0.99% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.99% above avg

Details

Jumbo Certificate

I B E W LOCAL 56

Institution Rating:

A5.0 ★Texas Ratio: 9.60%

36 Month Certificate

$50,000

3.76% ▲ 0.99% above national avg

View

▼

Rate3.76%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.99% above avg

Details

I B E W LOCAL 56

Institution Rating:

A5.0 ★Texas Ratio: 9.60%

Share Certificates 36 Month

$50,000

3.76% ▲ 0.99% above national avg

View

▼

Rate3.71%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.99% above avg

Details

Pay monthly into Regular Share Account

Citadel Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.63%

36 Month Certificate

$500

3.75% ▲ 0.98% above national avg

View

▼

Rate3.69%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.98% above avg

Details

Riverfront Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.40%

36 Month Nonpreferred Certificates: Regular, Traditional IRA, Roth IRA, Educational

3.75% ▲ 0.98% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.98% above avg

Details

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

Jumbo Certificate - 3 Year

$10,000

3.75% ▲ 0.98% above national avg

View

▼

Rate3.68%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.77%▲ 0.98% above avg

Details

Friendly Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.41%

3 Year Certificates of Deposit

$500

3.75% ▲ 0.98% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.98% above avg

Details

I B E W LOCAL 56

Institution Rating:

A5.0 ★Texas Ratio: 9.60%

Share Certificates 36 Month

$25,000

3.73% ▲ 0.96% above national avg

View

▼

Rate3.68%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.96% above avg

Details

Pay monthly into Regular Share Account

Diamond Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.60%

36 Month Regular Certificate

3.71% ▲ 0.94% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.94% above avg

Details

Diamond Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.60%

36 Month Share Certificates

3.71% ▲ 0.94% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.94% above avg

Details

Regular Certificate

Kish Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.80%

36 Months CD

$2,000

3.70% ▲ 0.93% above national avg

View

▼

Rate—

Min Deposit$2,000

Min Balance—

Verified and UpdatedSep 15, 2026

National Average2.77%▲ 0.93% above avg

Details

no Annual Percentage Yield (APY)

Second Federal S&L

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

36 Month Certificates Of Deposit

3.70% ▲ 0.93% above national avg

View

▼

Rate3.63%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 15, 2026

National Average2.77%▲ 0.93% above avg

Details

Utilities Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

36 Month IRA Certificate

3.70% ▲ 0.93% above national avg

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.93% above avg

Details

I B E W LOCAL 56

Institution Rating:

A5.0 ★Texas Ratio: 9.60%

36 Month Certificate

$1,000

3.70% ▲ 0.93% above national avg

View

▼

Rate3.70%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.93% above avg

Details

I B E W LOCAL 56

Institution Rating:

A5.0 ★Texas Ratio: 9.60%

Share Certificates 36 Month

$1,000

3.70% ▲ 0.93% above national avg

View

▼

Rate3.65%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.93% above avg

Details

Pay monthly into Regular Share Account

Self Reliance NY Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.19%

36 Month Certificate

3.66% ▲ 0.89% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.89% above avg

Details

Early Withdrawal Penalty: 3 month interest

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

3 Year Certificate

$500

3.65% ▲ 0.88% above national avg

View

▼

Rate3.59%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.77%▲ 0.88% above avg

Details

TruMark Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.57%

36-month Jumbo Certificate

3.65% ▲ 0.88% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.88% above avg

Details

Northpoint 48 Month CD Rates

National 48 Month CD Average2.78% APY▲ 0.13% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Enterprise Bank Allison Park, PA

Institution Rating:

F1.0 ★Texas Ratio: 84.39%

Business 4 Year CD

4.23% ▲ 1.45% above national avg

View

▼

Rate4.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 1.45% above avg

Details

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

IRA CD 48 Months

4.22% ▲ 1.44% above national avg

View

▼

Rate4.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.78%▲ 1.44% above avg

Details

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

IRA CD 48 Months

4.16% ▲ 1.38% above national avg

View

▼

Rate4.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.78%▲ 1.38% above avg

Details

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

4 Year Certificate

4.09% ▲ 1.31% above national avg

View

▼

Rate4.03%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 1.31% above avg

Details

Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

Jumbo and Jumbo IRA Certificates - 4 Years

4.09% ▲ 1.31% above national avg

View

▼

Rate4.03%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 1.31% above avg

Details

$100,000 and Above

Moonlight Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.23%

48 Month Certificate

4.06% ▲ 1.28% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 1.28% above avg

Details

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

4 Year Certificate

4.04% ▲ 1.26% above national avg

View

▼

Rate3.98%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 1.26% above avg

Details

Penalty for early withdrawal.

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

4 Year Term Certificates

4.04% ▲ 1.26% above national avg

View

▼

Rate3.98%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 1.26% above avg

Details

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

IRA CD 48 Months

4.01% ▲ 1.23% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.78%▲ 1.23% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

48 Month Regular Certificates

$1,000

4.00% ▲ 1.22% above national avg

View

▼

Rate3.93%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.78%▲ 1.22% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

IRA Certificate 48-Month

$1,000

4.00% ▲ 1.22% above national avg

View

▼

Rate3.93%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.78%▲ 1.22% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

IRA Certificates - 48-Month

$1,000

4.00% ▲ 1.22% above national avg

View

▼

Rate3.93%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.78%▲ 1.22% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

Regular Certificates - 48-Month

$1,000

4.00% ▲ 1.22% above national avg

View

▼

Rate3.93%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.78%▲ 1.22% above avg

Details

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

Regular & IRA (Traditional & Roth) - 48 months

$500

4.00% ▲ 1.22% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 1.22% above avg

Details

A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

48 Month Certificate

$75,000

3.98% ▲ 1.20% above national avg

View

▼

Rate3.90%

Min Deposit$75,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.78%▲ 1.20% above avg

Details

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

48 Month Certificate

$50,000

3.92% ▲ 1.14% above national avg

View

▼

Rate3.85%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.78%▲ 1.14% above avg

Details

Widget Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

48 Month Certificate

3.92% ▲ 1.14% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 1.14% above avg

Details

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

48 Month Certificate

$500

3.87% ▲ 1.09% above national avg

View

▼

Rate3.80%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.78%▲ 1.09% above avg

Details

Discovery Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.26%

48 Month Certificate

3.85% ▲ 1.07% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 1.07% above avg

Details

Ardent Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.06%

48-month Certificate/IRA

3.85% ▲ 1.07% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 1.07% above avg

Details

Utilities Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

48 Month IRA Certificate

3.85% ▲ 1.07% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 1.07% above avg

Details

American Heritage Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.83%

48 Month IRA Certificate

3.81% ▲ 1.03% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 1.03% above avg

Details

Freedom Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.95%

48 Month Certificate

3.81% ▲ 1.03% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 1.03% above avg

Details

Freedom Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.95%

48 mos. Certificate

3.81% ▲ 1.03% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 1.03% above avg

Details

Diamond Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.60%

48 Month Jumbo Certificate

3.81% ▲ 1.03% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 1.03% above avg

Details

Diamond Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.60%

48 Month Share Certificates

3.81% ▲ 1.03% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 1.03% above avg

Details

Jumbo Certificate

First Heritage Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.87%

48 Month Jumbo Certificate

3.76% ▲ 0.98% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 0.98% above avg

Details

Diamond Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.60%

48 Month Regular Certificate

3.76% ▲ 0.98% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 0.98% above avg

Details

Diamond Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.60%

48 Month Share Certificates

3.76% ▲ 0.98% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 0.98% above avg

Details

Regular Certificate

Second Federal S&L

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

48 Month Certificates Of Deposit

3.75% ▲ 0.97% above national avg

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 15, 2026

National Average2.78%▲ 0.97% above avg

Details

Riverfront Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.40%

48 Month Nonpreferred Certificates: Regular, Traditional IRA, Roth IRA, Educational

3.75% ▲ 0.97% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 0.97% above avg

Details

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

Jumbo Certificate - 4 Year

$10,000

3.75% ▲ 0.97% above national avg

View

▼

Rate3.68%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.78%▲ 0.97% above avg

Details

Utilities Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

48 Month IRA Certificate

3.75% ▲ 0.97% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 0.97% above avg

Details

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

IRA CD 48 Months

3.70% ▲ 0.92% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.78%▲ 0.92% above avg

Details

ARC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

48 Month Traditional IRA Share Certificate

3.66% ▲ 0.88% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 0.88% above avg

Details

Citadel Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.63%

48 Month Bonus Certificate

3.65% ▲ 0.87% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 0.87% above avg

Details

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

4 Year Certificate

$500

3.65% ▲ 0.87% above national avg

View

▼

Rate3.59%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.78%▲ 0.87% above avg

Details

Americo Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.30%

48 month Share Certificate

3.65% ▲ 0.87% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 0.87% above avg

Details

Americo Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.30%

IRA Share Certificate - 48 month

$500

3.65% ▲ 0.87% above national avg

View

▼

Rate3.65%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 0.87% above avg

Details

Utilities Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

48 Month IRA Certificate

3.65% ▲ 0.87% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 0.87% above avg

Details

TruMark Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.57%

48-month Jumbo Certificate

3.65% ▲ 0.87% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 0.87% above avg

Details

First Heritage Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.87%

48 Month Certificate

3.61% ▲ 0.83% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 0.83% above avg

Details

Guthrie Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.00%

IRA Share Certificate - 48 Month

$1,000

3.61% ▲ 0.83% above national avg

View

▼

Rate3.55%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 0.83% above avg

Details

Guthrie Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.00%

Share Certificate - 48 Month

$1,000

3.61% ▲ 0.83% above national avg

View

▼

Rate3.55%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 0.83% above avg

Details

Kish Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.80%

48 Months CD

$2,000

3.60% ▲ 0.82% above national avg

View

▼

Rate—

Min Deposit$2,000

Min Balance—

Verified and UpdatedSep 15, 2026

National Average2.78%▲ 0.82% above avg

Details

no Annual Percentage Yield (APY)

Citadel Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.63%

48 Month Certificate

$500

3.60% ▲ 0.82% above national avg

View

▼

Rate3.55%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 0.82% above avg

Details

TruMark Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.57%

48-month Bump-Up Certificate

$500

3.60% ▲ 0.82% above national avg

View

▼

Rate3.54%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 0.82% above avg

Details

TruMark Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.57%

48-month Bump-Up IRA

$500

3.60% ▲ 0.82% above national avg

View

▼

Rate3.54%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 0.82% above avg

Details

TruMark Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.57%

48-month Certificate

$500

3.60% ▲ 0.82% above national avg

View

▼

Rate3.54%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 0.82% above avg

Details

TruMark Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.57%

48-month Fixed-Rate IRA Only

$500

3.60% ▲ 0.82% above national avg

View

▼

Rate3.54%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.78%▲ 0.82% above avg

Details

Northpoint 60 Month CD Rates

National 60 Month CD Average2.86% APY▲ 0.11% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Tendto Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.81%

60 month Certificate

4.37% ▲ 1.51% above national avg

View

▼

Rate4.30%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 1.51% above avg

Details

Enterprise Bank Allison Park, PA

Institution Rating:

F1.0 ★Texas Ratio: 84.39%

Business 5 Year CD

4.28% ▲ 1.42% above national avg

View

▼

Rate4.20%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 1.42% above avg

Details

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

IRA CD 60 Months

4.27% ▲ 1.41% above national avg

View

▼

Rate4.20%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.86%▲ 1.41% above avg

Details

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

IRA CD 60 Months

4.22% ▲ 1.36% above national avg

View

▼

Rate4.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.86%▲ 1.36% above avg

Details

Tendto Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.81%

60 month Certificate

4.22% ▲ 1.36% above national avg

View

▼

Rate4.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 1.36% above avg

Details

Tendto Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.81%

60 month Certificate

4.11% ▲ 1.25% above national avg

View

▼

Rate4.05%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 1.25% above avg

Details

FORGE Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.36%

60 Month Share Certificates

$500

4.10% ▲ 1.24% above national avg

View

▼

Rate4.03%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 1.24% above avg

Details

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

5 Year Certificate

4.08% ▲ 1.22% above national avg

View

▼

Rate4.02%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 1.22% above avg

Details

Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

Jumbo and Jumbo IRA Certificates - 5 Years

4.08% ▲ 1.22% above national avg

View

▼

Rate4.02%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 1.22% above avg

Details

$100,000 and Above

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

IRA CD 60 Months

4.06% ▲ 1.20% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.86%▲ 1.20% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

60 Month Regular Certificates

$1,000

4.05% ▲ 1.19% above national avg

View

▼

Rate3.98%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.86%▲ 1.19% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

IRA Certificate 60-Month

$1,000

4.05% ▲ 1.19% above national avg

View

▼

Rate3.98%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.86%▲ 1.19% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

IRA Certificates - 60-Month

$1,000

4.05% ▲ 1.19% above national avg

View

▼

Rate3.98%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.86%▲ 1.19% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

Regular Certificates - 60-Month

$1,000

4.05% ▲ 1.19% above national avg

View

▼

Rate3.98%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.86%▲ 1.19% above avg

Details

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

5 Year Certificate

4.03% ▲ 1.17% above national avg

View

▼

Rate3.97%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 1.17% above avg

Details

Penalty for early withdrawal.

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

5 Year Term Certificates

4.03% ▲ 1.17% above national avg

View

▼

Rate3.97%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 1.17% above avg

Details

Tendto Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.81%

60 month Certificate

4.01% ▲ 1.15% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 1.15% above avg

Details

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

12 - 60 Month Certificates

4.00% ▲ 1.14% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 1.14% above avg

Details

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

60 Month Certificates

4.00% ▲ 1.14% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 1.14% above avg

Details

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

Regular & IRA (Traditional & Roth) - 60 months

$500

4.00% ▲ 1.14% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 1.14% above avg

Details

A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

60 Month Certificate

$75,000

3.98% ▲ 1.12% above national avg

View

▼

Rate3.90%

Min Deposit$75,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.86%▲ 1.12% above avg

Details

Widget Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

60 Month Certificate

3.97% ▲ 1.11% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 1.11% above avg

Details

Tendto Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.81%

60 month Certificate

3.96% ▲ 1.10% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 1.10% above avg

Details

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

60 Month Certificate

$50,000

3.92% ▲ 1.06% above national avg

View

▼

Rate3.85%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.86%▲ 1.06% above avg

Details

Self Reliance NY Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.19%

60 Month Certificate

3.92% ▲ 1.06% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 1.06% above avg

Details

Early Withdrawal Penalty: 6 month interest

Discovery Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.26%

60 Month Certificate

3.90% ▲ 1.04% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 1.04% above avg

Details

MERCK SHARP and DOHME

Institution Rating:

A+5.0 ★Texas Ratio: 1.25%

Jumbo Certificates - 60-Month

3.90% ▲ 1.04% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 1.04% above avg

Details

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

60 Month Certificate

$500

3.87% ▲ 1.01% above national avg

View

▼

Rate3.80%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.86%▲ 1.01% above avg

Details

First Heritage Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.87%

60 Month Jumbo Certificate

3.87% ▲ 1.01% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 1.01% above avg

Details

Diamond Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.60%

60 Month Jumbo Certificate

3.86% ▲ 1.00% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 1.00% above avg

Details

Diamond Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.60%

60 Month Share Certificates

3.86% ▲ 1.00% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 1.00% above avg

Details

Jumbo Certificate

Second Federal S&L

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

60 Month Certificates Of Deposit

3.85% ▲ 0.99% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 15, 2026

National Average2.86%▲ 0.99% above avg

Details

Ardent Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.06%

60-month Certificate/IRA

3.85% ▲ 0.99% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 0.99% above avg

Details

Utilities Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

60 Month IRA Certificate

3.85% ▲ 0.99% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 0.99% above avg

Details

American Heritage Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.83%

60 Month IRA Certificate

3.81% ▲ 0.95% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 0.95% above avg

Details

Freedom Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.95%

60 Month Certificate

3.81% ▲ 0.95% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 0.95% above avg

Details

Freedom Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.95%

60 mos. Certificate

3.81% ▲ 0.95% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 0.95% above avg

Details

Diamond Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.60%

60 Month Regular Certificate

3.81% ▲ 0.95% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 0.95% above avg

Details

Diamond Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.60%

60 Month Share Certificates

3.81% ▲ 0.95% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 0.95% above avg

Details

Regular Certificate

Riverfront Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.40%

60 Month Nonpreferred Certificates: Regular, Traditional IRA, Roth IRA, Educational

3.80% ▲ 0.94% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 0.94% above avg

Details

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

IRA CD 60 Months

3.75% ▲ 0.89% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.86%▲ 0.89% above avg

Details

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

Jumbo Certificate - 5 Year

$10,000

3.75% ▲ 0.89% above national avg

View

▼

Rate3.68%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.86%▲ 0.89% above avg

Details

Utilities Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

60 Month IRA Certificate

3.75% ▲ 0.89% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 0.89% above avg

Details

MERCK SHARP and DOHME

Institution Rating:

A+5.0 ★Texas Ratio: 1.25%

60-Month Certificate

3.75% ▲ 0.89% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 0.89% above avg

Details

First Heritage Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.87%

60 Month Certificate

3.71% ▲ 0.85% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 0.85% above avg

Details

Americo Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.30%

60 month Share Certificate

3.67% ▲ 0.81% above national avg

View

▼

Rate3.67%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 0.81% above avg

Details

Americo Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.30%

IRA Share Certificate - 60 month

$500

3.67% ▲ 0.81% above national avg

View

▼

Rate3.67%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 0.81% above avg

Details

Guthrie Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.00%

IRA Share Certificate - 60 Month

$1,000

3.67% ▲ 0.81% above national avg

View

▼

Rate3.60%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 0.81% above avg

Details

Guthrie Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.00%

Share Certificate - 60 Month

$1,000

3.67% ▲ 0.81% above national avg

View

▼

Rate3.60%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 0.81% above avg

Details

ARC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

60 Month Traditional IRA Share Certificate

3.66% ▲ 0.80% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.86%▲ 0.80% above avg

Details

Disclaimer

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.

Top CD Rates from Northpoint, Pennsylvania Institutions

Highest verified APYs available today, updated September 16, 2026

B Top 5 Bank Rates

Enterprise Bank Allison Park, PA

Business 5 Year CD

F 1.0 ★ TX: 84.39%

Min: $0

4.28%

Citizens & Northern Bank C&N

IRA CD 60 Months

A 5.0 ★ TX: 11.32%

Min: $0

4.27%

Crescent Bank

24-month CD

A+ 5.0 ★ TX: 3.24%

Min: $1,000

4.25%

First Keystone Community Bank

18 Months

A- 5.0 ★ TX: 14.74%

Min: $1,000

4.25%

U S POSTAL SERVICE

1 Year Starter Add-On

A+ 5.0 ★ TX: 4.56%

Min: $0

4.25%

CU Top 5 Credit Union Rates

Tendto Credit Union

60 month Certificate

A+ 5.0 ★ TX: 3.81%

Min: $0

4.37%

Heritage Financial Credit Union

Share/IRA Certificate Special - 12 months

Min: $2,500

4.25%

P.C. Federal Credit Union

6 Month Certificate of Deposit

A- 4.9 ★ TX: 16.24%

Min: $100,000

4.25%

Freedom Credit Union

24 Month Certificate

A+ 5.0 ★ TX: 2.95%

Min: $0

4.17%

People First Federal Credit Union

12 Month Business Share Certificate

A 5.0 ★ TX: 7.16%

Min: $0

4.15%

Rates verified September 16, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

Northpoint, PA CD Rate Trends

Compare local Northpoint, PA 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.

View Full Pennsylvania CD Trends

12-Month CD PA Avg

2.921%

▲ 0.081 vs 7 days ago

Pennsylvania 12-month CD rates rose 0.081 points over the past 7 days to 2.921% APY.

6-Month CD PA Avg

2.746%

▲ 0.076 vs 7 days ago

Pennsylvania 6-month CD rates rose 0.076 points over the past 7 days to 2.746% APY.

As of Sep 16, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

PA CD Rate Forecast, Next 12 Months

Where are Pennsylvania CD rates headed through September 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

PA 12-Month Avg APY

2.921%

6-Month Forecast

2.921%

Range: 2.72% – 3.07%

12-Month Forecast

3.171%

Range: 2.97% – 3.32%

What Your Savings Earn at PA CD Rates Today

Annual interest earnings at today’s Pennsylvania average APYs. State average used where available; national average as fallback.

CD Term	PA Avg APY	$5,000	$10,000	$25,000	$50,000
3-Month CD	2.043%	$102.14	$204.28	$510.70	$1,021.40
6-Month CD	2.746%	$137.27	$274.55	$686.37	$1,372.75
12-Month CD	2.921%	$146.06	$292.11	$730.28	$1,460.55
18-Month CD	2.824%	$141.19	$282.38	$705.95	$1,411.90
24-Month CD	2.843%	$142.16	$284.32	$710.80	$1,421.60
36-Month CD	2.765%	$138.26	$276.52	$691.30	$1,382.60
48-Month CD	2.778%	$138.91	$277.82	$694.55	$1,389.10
60-Month CD	2.858%	$142.91	$285.81	$714.53	$1,429.05
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 16, 2026.

Sample CD Ladder for Northpoint, Pennsylvania Savers

$25,000 split equally across 5 terms using today’s Pennsylvania average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder

Rung	Term	Deposit	PA Avg APY	Annual Earnings
1	3-Month CD	$5,000	2.043%	$102.14
2	6-Month CD	$5,000	2.746%	$137.27
3	12-Month CD	$5,000	2.921%	$146.06
4	24-Month CD	$5,000	2.843%	$142.16
5	36-Month CD	$5,000	2.765%	$138.26
Total ($25,000 invested)		$25,000	2.664% blended	$665.89/yr

Ladder example uses equal $5,000 rungs and Pennsylvania average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

1,756

CD Rates
Tracked in Northpoint, Pennsylvania

37 Banks 88 Credit Unions

About Our Northpoint, Pennsylvania CD Rate Database

MonitorBankRates tracks 1,756 CD rates from 37 banks and 88 credit unions with locations in Northpoint, Pennsylvania, plus national online institutions available to Pennsylvania residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Tendto Credit Union offers a CD at 4.37% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Northpoint, Pennsylvania.

How to Find the Best CD Rates in Northpoint, Pennsylvania

What to compare when shopping for a CD in Northpoint, Pennsylvania

To find the best APYs in Northpoint, Pennsylvania, start with credit unions and online-only banks: Northpoint, Pennsylvania has 88 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 Northpoint, Pennsylvania

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 Northpoint, Pennsylvania: 125 institutions here report CD rates

Consider an Alternative If…

You may need the funds within 30 days. Compare Northpoint, Pennsylvania 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 Northpoint, Pennsylvania money market rates

Pennsylvania 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+

19.5%

National avg: 17.3%

Median Individual Earnings

$46,676

National avg: $47,340

Poverty Rate

11.7%

National avg: 11.1%

Unemployment Rate

5.2%

National avg: 4.8%

CD Earnings on 10% of Salary

$136/yr

At PA 12-mo avg 2.921% APY

19.5% of residents are 65 or older, in line with the national average of 17.3%. At today’s PA 12-month CD average of 2.921%, saving 10% of the local median salary ($4,667/year) and putting it in a CD would earn an additional $136 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 Northpoint, Pennsylvania

What to compare when choosing between a CD and other deposit accounts

Feature	CD	High-Yield Savings	Money Market	6-Month CD
Rate Type	Fixed APY	Variable APY	Variable APY	Fixed APY
Liquidity	Locked for term	Anytime	Anytime	Locked 6 months
Early Withdrawal	Penalty (months of interest)	None	None	Penalty (90–180 days interest)
FDIC / NCUA Insured	Yes (up to $250K)	Yes (up to $250K)	Yes (up to $250K)	Yes (up to $250K)
Check / Debit Access	No	Usually no	Often yes	No
Best For	Known savings goal, CD ladder	Emergency fund, flexible savings	Liquid savings with check-writing	Slightly higher yield, less urgency

How Certificates of Deposit Work in Northpoint, Pennsylvania

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 Northpoint, Pennsylvania 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 Northpoint, Pennsylvania as everywhere in the U.S.

Choosing a CD Term in Northpoint, Pennsylvania

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Northpoint, Pennsylvania savers easier access to their funds. For example, P.C. Federal Credit Union is offering its 6 Month Certificate of Deposit at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Tendto Credit Union is offering its 60 month Certificate at 4.37% 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 Northpoint, Pennsylvania 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 Northpoint, Pennsylvania 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 Northpoint, Pennsylvania

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 Northpoint, Pennsylvania 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 Northpoint, Pennsylvania

Most CDs carry a fixed rate that is locked for the entire term, protecting a Northpoint, Pennsylvania 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 Northpoint, Pennsylvania

Are CD rates in Northpoint, Pennsylvania FDIC insured?

Yes, most established banks in Northpoint, Pennsylvania 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 Northpoint, Pennsylvania?

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 Northpoint, Pennsylvania.

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 Northpoint, Pennsylvania 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 Northpoint, Pennsylvania?

Here are recent top rates found for this area:

Tendto Credit Union: 4.37% APY (60 month Certificate)
Enterprise Bank Allison Park, PA: 4.28% APY (Business 5 Year CD)
Citizens & Northern Bank C&N: 4.27% APY (IRA CD 60 Months)
Crescent Bank: 4.25% APY (24-month CD)
First Keystone Community Bank: 4.25% APY (18 Months)
Heritage Financial Credit Union: 4.25% APY (Share/IRA Certificate Special - 12 months)
P.C. Federal Credit Union: 4.25% APY (6 Month Certificate of Deposit)
U S POSTAL SERVICE: 4.25% APY (1 Year Starter Add-On)
Freedom Credit Union: 4.17% APY (24 Month Certificate)
People First Federal Credit Union: 4.15% APY (12 Month Business Share Certificate)

Rates reflect recent verified offers available in Northpoint, Pennsylvania. Last Updated: September 16, 2026

Northpoint, Pennsylvania 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 Northpoint, Pennsylvania rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Deposit Amount ($)

CD Term

APY (%)

Interest at Maturity

Ending Balance

Matures

—

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.

Top Northpoint, Pennsylvania CD Rates by Term

Verified September 16, 2026 · click a rate to use its term and APY

Highest verified APY per term available in Northpoint, Pennsylvania. Averages shown use the Pennsylvania state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Northpoint, Pennsylvania

Northpoint, Pennsylvania CD Calculator

At today’s PA top rate of 4.37% APY, a $10,000 deposit earns $437 in the first year. Enter your amount to see your exact return.

Northpoint, Pennsylvania CD Ladder

PA CD rates currently range from 2.043% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Northpoint, Pennsylvania CD at 4.37% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Pennsylvania’s average 12-month CD is 2.921% 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 Northpoint, Pennsylvania 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 Northpoint, Pennsylvania 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 Northpoint, Pennsylvania. 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 PA.

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: September 16, 2026