Best 24-Month CD Rates - October 2026
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Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
24-month CD rates range from 4.25% to 5.20% APY, verified by MonitorBankRates as of October 12, 2026. Top 24-month CD rates currently available include Tower Federal Credit UnionTower Federal Credit Union7901 Sandy Spring Rd, Laurel, MD 20707A+5.0 ★Texas Ratio: 1.97%Real return: +2.40%APY minus CPI (February 2026) offering 2 Year Certificate at 5.20% APY, and Northern New Mexico School Employees Federal Credit UnionNorthern New Mexico School Employees Federal Credit Union614 Alta Vista St, Santa Fe, NM 87505A+5.0 ★Texas Ratio: 3.64%Real return: +2.32%APY minus CPI (February 2026) offering 24-Month Share Certificate SPECIAL RATE at 5.12% APY, and IQ Credit UnionIQ Credit Union1313 Main St, Vancouver, WA 98660 2918A+5.0 ★Texas Ratio: 5.25%Real return: +2.29%APY minus CPI (February 2026) offering 24 Month Second CD at 5.09% APY, and Cornerstone Community Federal Credit UnionCornerstone Community Federal Credit Union55 Stevens St, Lockport, NY 14094 4229B+4.8 ★Texas Ratio: 17.18%Real return: +2.20%APY minus CPI (February 2026) offering 2 Year Youth Share Certificate at 5.00% APY. CD rates as of October 12, 2026 according to verified data from MonitorBankRates.
A 2-year CD is a popular choice for savers who want to lock in a competitive rate while keeping their investment horizon manageable. It often offers a meaningful yield advantage over shorter-term options without the extended commitment of a 3- or 5-year CD. We display Safety Grades, Star Ratings, and Texas Ratios so you can choose institutions with confidence.
The APYs displayed reflect actual verified offers. Rates are subject to change at the institution’s discretion without notice. A substantial penalty may be imposed for early withdrawal. 24-Month CD Rates Last Updated and Verified: October 12, 2026
Compare the Best 24-Month CD Rates Nationwide
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
2 Year Certificate
$500
5.20%
▼
Rate5.07%
Min Deposit$500
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.70% → 5.20% ▲ 0.50 pts · high 5.20% / low 4.70%
- Oct 10, 20265.20%▲ from 4.70%
- Sep 14, 20264.70%first recorded
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
614 Alta Vista St, Santa Fe, NM 87505
24-Month Share Certificate SPECIAL RATE
$500
5.12%
▼
Rate5.00%
Min Deposit$500
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Oct 12, 2026 · 5.12% APY
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1313 Main St, Vancouver, WA 98660 2918
24 Month Second CD
$10,000
5.09%
▼
Rate5.00%
Min Deposit$10,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 5.00% → 5.10% ▲ 0.09 pts · high 5.10% / low 5.00%
- Sep 26, 20265.10%▲ from 5.00%
- Sep 14, 20265.00%first recorded
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
55 Stevens St, Lockport, NY 14094 4229
2 Year Youth Share Certificate
$0
5.00%
▼
Rate4.88%
Min Deposit$0
UpdatedOct 9, 2026
Details
Balance Range: $50 - $5,000
Rate History
No change since Oct 5, 2026 · 5.00% APY · checked 2 times
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
24 MONTH CD
$50,000
5.00%
▼
Rate5.00%
Min Deposit$50,000
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
2 changes since Sep 8, 2026 · 4.30% → 5.00% ▲ 0.70 pts · high 5.00% / low 4.30%
- Oct 2, 20265.00%▲ from 4.80%
- Sep 18, 20264.80%▲ from 4.30%
- Sep 8, 20264.30%first recorded
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
2440 E Rand Rd, Arlington Heights, IL 60004 5802
24 Month IRA Payroll Share Certificate
$0
5.00%
▼
Rate4.75%
Min Deposit$0
UpdatedOct 9, 2026
Details
APY - Annual Percentage Yield APY assumes dividends remain on deposit until maturity. Dividends begin to accrue on the first business day funds are deposited and are compounded and credited monthly. The minimum balance listed is required to earn the corresponding APY. Certificate rates are subject to change without notice; however, once issued, the Dividend Rate and APY are fixed for the certificate term. Early withdrawals may be subject to a penalty and may reduce earnings. IRA Share Certificates are subject to applicable IRA requirements and may be subject to additional tax consequences or penalties for withdrawals. Please consult a qualified tax advisor regarding your individual circumstances. Rates, terms, and accounts are available to METRO Federal Credit Union members only. Please refer to the Share Certificate Terms & Conditions and applicable IRA documents for complete account terms and disclosures. Member accounts are federally insured by the National Credit Union Administration (NCUA) up to applicable limits.
Rate History
No change since Oct 9, 2026 · 5.00% APY
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
2 Year FDIC-Insured Certificate of Deposit
$0
5.00%
▼
Rate—
Min Deposit$0
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
4 changes since Sep 24, 2026 · 4.60% → 5.00% ▲ 0.40 pts · high 5.00% / low 4.60%
- Oct 11, 20265.00%▲ from 4.90%
- Oct 7, 20264.90%▲ from 4.85%
- Oct 3, 20264.85%▲ from 4.65%
- Sep 27, 20264.65%▲ from 4.60%
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
24 Month Certificate
$2,000
4.98%
▼
Rate4.86%
Min Deposit$2,000
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Oct 7, 2026 · 4.98% APY · checked 2 times
Peoples First Savings Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.46%
225 Reading Rd, Mason, OH 45040
24 Month IRA (Variable)
$100
4.91%
▼
Rate4.79%
Min Deposit$100
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
1 change since Sep 11, 2026 · 4.29% → 4.91% ▲ 0.62 pts · high 4.91% / low 4.29%
- Oct 3, 20264.91%▲ from 4.29%
- Sep 11, 20264.29%first recorded
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2485 Village View Dr, Henderson, NV 89074
24 Month CERTIFICATES OF DEPOSIT
$0
4.89%
▼
Rate4.80%
Min Deposit$0
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
1 change since Sep 24, 2026 · 4.63% → 4.89% ▲ 0.26 pts · high 4.89% / low 4.63%
- Oct 7, 20264.89%▲ from 4.63%
- Sep 24, 20264.63%first recorded
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
104 S Cascade Ave, Colorado Springs, CO 80903
24 Month Variable IRA
$250
4.86%
▼
Rate4.75%
Min Deposit$250
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.39% → 4.86% ▲ 0.47 pts · high 4.86% / low 4.39%
- Oct 11, 20264.86%▲ from 4.39%
- Sep 14, 20264.39%first recorded
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
24 Month Jumbo Certificate of Deposit
$0
4.86%
▼
Rate4.75%
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Oct 8, 2026 · 4.86% APY · checked 2 times
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
24 Month Jumbo Share Certificates (CDs)
$0
4.82%
▼
Rate4.71%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 4.28% → 4.82% ▲ 0.54 pts · high 4.82% / low 4.28%
- Oct 9, 20264.82%▲ from 4.28%
- Sep 18, 20264.28%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
24-Month IRA
$0
4.81%
▼
Rate4.70%
Min Deposit$0
UpdatedOct 12, 2026
Details
Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates
Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
- Oct 8, 20264.81%▲ from 4.34%
- Sep 16, 20264.34%first recorded
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA - 2 year
$0
4.75%
▼
Rate—
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Sep 14, 2026 · 4.75% APY · checked 3 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
348 W Michigan Ave, Kalamazoo, MI 49007
2 Year Rising Rate Certificate of Deposit - Year 2 term
$0
4.75%
▼
Rate4.65%
Min Deposit$0
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Oct 7, 2026 · 4.75% APY · checked 3 times
American Baptist Association Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
21103 Chenango Lake Dr, Angleton, TX 77515
24 Month Share Certificate
$0
4.75%
▼
Rate—
Min Deposit$0
UpdatedOct 10, 2026
Details
Balance: $100,000 +
Rate History
No change since Sep 14, 2026 · 4.75% APY · checked 3 times
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
4th Street And Lafayette Avenue, Palmerton, PA 18071
2 Year (24 Month) Adjustable CD
$5,000
4.73%
▼
Rate4.65%
Min Deposit$5,000
UpdatedOct 7, 2026
Details
Open account in person. See details.
Rate History
1 change since Sep 19, 2026 · 4.29% → 4.73% ▲ 0.44 pts · high 4.73% / low 4.29%
- Oct 7, 20264.73%▲ from 4.29%
- Sep 19, 20264.29%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
24 Month Certificate
$0
4.70%
▼
Rate4.59%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Oct 6, 2026 · 4.70% APY · checked 2 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
24 Month Youth Mini Certificates of Deposit
$0
4.65%
▼
Rate4.55%
Min Deposit$0
UpdatedOct 9, 2026
Details
Balance: $250 - $1,000
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.65% ▲ 0.68 pts · high 4.65% / low 3.97%
- Oct 9, 20264.65%▲ from 3.97%
- Sep 14, 20263.97%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023
2 Year Business Certificate
$500
4.60%
▼
Rate4.50%
Min Deposit$500
UpdatedOct 10, 2026
Details
Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.
Rate History
1 change since Sep 27, 2026 · 4.05% → 4.60% ▲ 0.55 pts · high 4.60% / low 4.05%
- Oct 6, 20264.60%▲ from 4.05%
- Sep 27, 20264.05%first recorded
NORTHERN SKIES
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
1001 E Benson Blvd, Anchorage, AK 99508
24 Month Share Certificates
$0
4.60%
▼
Rate4.52%
Min Deposit$0
UpdatedOct 10, 2026
Details
Balance: Under $100,000
Rate History
No change since Sep 18, 2026 · 4.60% APY · checked 6 times
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
315 Croghan St, Fremont, OH 43420 3013
Share Certificates - 24 Month
$0
4.60%
▼
Rate4.51%
Min Deposit$0
UpdatedOct 12, 2026
Details
Type: Regular/IRA; Dividends compound & paid: Daily
Rate History
1 change since Sep 14, 2026 · 4.16% → 4.60% ▲ 0.44 pts · high 4.60% / low 4.16%
- Oct 12, 20264.60%▲ from 4.16%
- Sep 14, 20264.16%first recorded
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
2701 N Thanksgiving Way, Lehi, UT 84043
2 Year Consumer Certificate of Deposit
$500
4.60%
▼
Rate—
Min Deposit$500
UpdatedOct 12, 2026
Details
Maximum opening deposit $500,000.00
Rate History
1 change since Sep 14, 2026 · 4.40% → 4.60% ▲ 0.20 pts · high 4.60% / low 4.40%
- Oct 8, 20264.60%▲ from 4.40%
- Sep 14, 20264.40%first recorded
Scott Associates Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
14111 Scottslawn Rd, Marysville, OH 43040
24 Month Share Certificates
$500
4.59%
▼
Rate4.50%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 22, 2026 · 3.71% → 4.59% ▲ 0.88 pts · high 4.59% / low 3.71%
- Oct 9, 20264.59%▲ from 3.71%
- Sep 22, 20263.71%first recorded
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
7102 Forest Ave, Ridgewood, NY 11385
2-YEAR TREASURY INDEXED CD
$0
4.59%
▼
Rate—
Min Deposit$0
UpdatedOct 7, 2026
Details
TOP THE TREASURY; variable yield account with no cap today!
Rate History
No change since Sep 18, 2026 · 4.59% APY · checked 5 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
24 Month 75th Anniversary Certificates of Deposit
$7,500
4.58%
▼
Rate—
Min Deposit$7,500
UpdatedOct 10, 2026
Details
Get complete details here
Rate History
No change since Oct 10, 2026 · 4.58% APY
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
210 N 5th St, Artesia, NM 88210 2000
IRA Certificate - 24 Month
$0
4.58%
▼
Rate4.50%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Sep 14, 2026 · 4.58% APY · checked 2 times
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
3181 Larchmont Ave NE, Warren, OH 44483 2435
24 Month Jumbo Certificate
$0
4.55%
▼
Rate4.46%
Min Deposit$0
UpdatedOct 9, 2026
Details
Special Jumbo Certificate Bonus! Boost Your Earnings - Get an additional 0.25% APY on a Jumbo Certificate with a balance of $250,000+
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.55% ▲ 0.75 pts · high 4.55% / low 3.80%
- Oct 9, 20264.55%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
24 Month Certificate
$50,000
4.55%
▼
Rate4.55%
Min Deposit$50,000
UpdatedOct 7, 2026
Details
Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted
Rate History
2 changes since Sep 14, 2026 · 4.23% → 4.55% ▲ 0.32 pts · high 4.55% / low 4.23%
- Oct 7, 20264.55%▲ from 4.32%
- Sep 24, 20264.32%▲ from 4.23%
- Sep 14, 20264.23%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
2 Year Certificate of Deposit
$1,000
4.55%
▼
Rate4.45%
Min Deposit$1,000
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
- Sep 28, 20264.55%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
310 Caldwell St, Chillicothe, OH 45601
24 Month Print Share and IRA Jumbo Certificates
$0
4.54%
▼
Rate—
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.04% → 4.54% ▲ 0.50 pts · high 4.54% / low 4.04%
- Sep 22, 20264.54%▲ from 4.04%
- Sep 14, 20264.04%first recorded
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
425 Neptune Ave, Brooklyn, NY 11224 4559
2 Year Certificate (24 months)
$500
4.53%
▼
Rate4.45%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 25, 2026 · 3.29% → 4.53% ▲ 1.24 pts · high 4.53% / low 3.29%
- Oct 9, 20264.53%▲ from 3.29%
- Sep 25, 20263.29%first recorded
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
24 Month CD
$0
4.50%
▼
Rate4.50%
Min Deposit$0
UpdatedOct 12, 2026
Details
Balance: $1,000+
Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 5 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
519 Main St, Kewaunee, WI 54216
Relationship CD - 24 Month
$0
4.50%
▼
Rate4.43%
Min Deposit$0
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Sep 24, 20264.50%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
241 Union St, Rockland, MA 02370
2 Year Share Certificate
$500
4.50%
▼
Rate4.41%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 9, 2026 · 4.50% APY
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
725 N Main St, Moab, UT 84532 2132
2 year CD
$500
4.50%
▼
Rate4.43%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
2 changes since Sep 14, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
- Oct 9, 20264.50%▲ from 4.25%
- Sep 29, 20264.25%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
212 5th Ave, Edgeley, ND 58433
24 Month IRA CD
$0
4.50%
▼
Rate—
Min Deposit$0
UpdatedOct 9, 2026
Details
Balance: $500+
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 4 times
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
184 John Clarke Rd, Middletown, RI 02842
24 Month CD
$1,000
4.50%
▼
Rate—
Min Deposit$1,000
UpdatedOct 12, 2026
Details
All funds must be new money. New Money is defined as funds on deposit with BankNewport for less than 30 days. A penalty will be imposed for early withdrawal during the term. A BankNewport personal checking account is required for CD specials. Offer may be withdrawn at any time.
Rate History
1 change since Sep 20, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
- Oct 3, 20264.50%▲ from 3.50%
- Sep 20, 20263.50%first recorded
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
200 E South Temple, Salt Lake City, UT 84111
Traditional and IRA Term Deposit - 24-Month
$2,000
4.50%
▼
Rate—
Min Deposit$2,000
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
2625 CORPORATE Pl, MONTEREY PARK, CA 91754
24 Month Certificate
$1,000
4.50%
▼
Rate4.40%
Min Deposit$1,000
UpdatedOct 12, 2026
Details
Watch your money grow at a premium rate when you agree to receive paperless eStatements. Balances of $50,000 or more earn higher rates. No monthly fee. Auto renewal available. Federally insured balances up to $250,000.00.
Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA 31405 5922
Jumbo - Minimum Deposit of 24 Month Share or IRA Certificate
$100,000
4.50%
▼
Rate4.41%
Min Deposit$100,000
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
2 changes since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Oct 1, 20264.50%▲ from 4.40%
- Sep 22, 20264.40%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
302 Main St, Savanna, IL 61074
20-month special, with rollover into 24-month at time of maturity
$0
4.50%
▼
Rate4.49%
Min Deposit$0
UpdatedOct 11, 2026
Details
All accounts are subject to credit qualifications. Early withdrawal penalties may apply, fees may reduce earnings on an account.
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
- Oct 3, 20264.50%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
24 Month Certificate
$500
4.50%
▼
Rate4.41%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
- Sep 29, 20264.50%▲ from 4.40%
- Sep 22, 20264.40%▲ from 4.20%
- Sep 18, 20264.20%first recorded
Lake Huron Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
24 Month Certificate
$0
4.50%
▼
Rate4.40%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.50% ▲ 0.94 pts · high 4.50% / low 3.56%
- Sep 29, 20264.50%▲ from 3.56%
- Sep 14, 20263.56%first recorded
The Bank of New Glarus
Institution Rating:
A-5.0 ★Texas Ratio: 15.01%
5800 Phillips Street, Gratiot, WI 53541
24 Month CD/IRA
$2,000
4.50%
▼
Rate4.43%
Min Deposit$2,000
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
No change since Sep 19, 2026 · 4.50% APY · checked 7 times
Cent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
3124 4th St SW, Mason City, IA 50401 1522
24 Month Time Share Certificate
$0
4.50%
▼
Rate4.41%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
- Oct 9, 20264.50%▲ from 4.10%
- Sep 14, 20264.10%first recorded
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
24-month online CD
$25,000
4.50%
▼
Rate4.40%
Min Deposit$25,000
UpdatedOct 7, 2026
Details
Online-only high-yield rates.
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
- Oct 2, 20264.50%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificate - 24 Months
$0
4.50%
▼
Rate4.41%
Min Deposit$0
UpdatedOct 12, 2026
Details
Penalty: 180 Days1
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
7181 S Campus View Dr, West Jordan, UT 84084 4312
24 Month Certificate
$0
4.50%
▼
Rate—
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 5, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1512 Gause Blvd, Slidell, LA 70458
2-Year Regular Certificate or IRA Certificate
$10,000
4.50%
▼
Rate—
Min Deposit$10,000
UpdatedOct 12, 2026
Details
Deposit: $10,000+
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
2 Year Certificates of Deposit (CDs)
$100
4.49%
▼
Rate4.44%
Min Deposit$100
UpdatedOct 12, 2026
Details
Balance: $100,000+
Rate History
1 change since Sep 14, 2026 · 4.18% → 4.49% ▲ 0.31 pts · high 4.49% / low 4.18%
- Sep 24, 20264.49%▲ from 4.18%
- Sep 14, 20264.18%first recorded
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
243 E 125 N, Morgan, UT 84050
24 Month Certificate
$1,000
4.48%
▼
Rate4.40%
Min Deposit$1,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 9, 2026 · 4.48% APY
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
1831 2nd St, Coralville, IA 52241
IntraFi Network CD 2 Year
$100,000
4.47%
▼
Rate4.36%
Min Deposit$100,000
UpdatedOct 12, 2026
Details
Treasury Rates**: 4.77%
Rate History
No change since Oct 12, 2026 · 4.47% APY
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
303 NE Thornton PL, Seattle, WA 98125
IRA Jumbo Certificate 2 year
$50,000
4.46%
▼
Rate4.36%
Min Deposit$50,000
UpdatedOct 10, 2026
Details
Bump Option: Eligible; $50,000 minimum deposit to open an IRA Jumbo CD. All rates are subject to change without notice. APY* - Annual Percentage Yield. Early withdrawal penalty will reduce earnings on the account. Your account will automatically renew as stated on your Truth-in-Savings Disclosure, Account Receipt, or Renewal Notice. Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.46% ▲ 0.66 pts · high 4.46% / low 3.80%
- Oct 10, 20264.46%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Piscataqua Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15 Pleasant St, Portsmouth, NH 03801
2 Year Certificate
$500
4.45%
▼
Rate4.35%
Min Deposit$500
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
1 change since Sep 19, 2026 · 4.34% → 4.45% ▲ 0.11 pts · high 4.45% / low 4.34%
- Oct 3, 20264.45%▲ from 4.34%
- Sep 19, 20264.34%first recorded
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
15201 Diamondback Dr, Rockville, MD 20850 3312
24 Months Certificate of Deposit
$1,000
4.45%
▼
Rate—
Min Deposit$1,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 9, 2026 · 4.45% APY
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
24 Month CD
$1,000
4.45%
▼
Rate—
Min Deposit$1,000
UpdatedOct 7, 2026
Details
New Money CDs
Rate History
No change since Sep 24, 2026 · 4.45% APY · checked 5 times
Credit One Bank, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
6801 S Cimarron Rd, Las Vegas, NV 89113
24 Month High Yield Jumbo CD
$0
4.45%
▼
Rate—
Min Deposit$0
UpdatedOct 7, 2026
Details
Loyalty Rates: 0.05%
Rate History
No change since Sep 27, 2026 · 4.45% APY · checked 5 times
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
720 E Wisconsin Ave, Milwaukee, WI 53202
Certificate of Deposit - 2 years
$1,000
4.45%
▼
Rate4.35%
Min Deposit$1,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 9, 2026 · 4.45% APY
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
1001 Post Rd, Darien, CT 06820
Prime Certificates of Deposit (CD) - 24 month
$500
4.45%
▼
Rate—
Min Deposit$500
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 2 times
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
3280 N University Ave, Provo, UT 84604
24 Month Business CD
$1,000
4.45%
▼
Rate—
Min Deposit$1,000
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Oct 7, 2026 · 4.45% APY · checked 2 times
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
15750 W Dodge Rd, Omaha, NE 68118
24 Month CD
$500
4.45%
▼
Rate4.38%
Min Deposit$500
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Sep 20, 2026 · 4.45% APY · checked 6 times
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
790 Joslyn Ave, Pontiac, MI 48340 2918
24 Month Certificate
$500
4.45%
▼
Rate4.36%
Min Deposit$500
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
1 change since Sep 25, 2026 · 4.29% → 4.45% ▲ 0.16 pts · high 4.45% / low 4.29%
- Oct 4, 20264.45%▲ from 4.29%
- Sep 25, 20264.29%first recorded
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
711 Beaver Creek Rd, Piketon, OH 45661
24 Month Certificate
$0
4.45%
▼
Rate4.35%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.45% ▲ 0.80 pts · high 4.45% / low 3.65%
- Oct 9, 20264.45%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1520 Union St, Lafayette, IN 47904 2156
Savers Certificate - 24 Months
$50
4.45%
▼
Rate—
Min Deposit$50
UpdatedOct 9, 2026
Details
Rate: T-Bill + 0.25%
Rate History
1 change since Sep 14, 2026 · 4.13% → 4.45% ▲ 0.32 pts · high 4.45% / low 4.13%
- Oct 5, 20264.45%▲ from 4.13%
- Sep 14, 20264.13%first recorded
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Delaware Ave Ste 1401, Wilmington, DE 19801
24 Month CD
$1,000
4.45%
▼
Rate—
Min Deposit$1,000
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
1 change since Sep 28, 2026 · 4.40% → 4.45% ▲ 0.05 pts · high 4.45% / low 4.40%
- Oct 12, 20264.45%▲ from 4.40%
- Sep 28, 20264.40%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
24 Month elite jumbo cd
$250,000
4.45%
▼
Rate—
Min Deposit$250,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 21, 2026 · 4.10% → 4.45% ▲ 0.35 pts · high 4.45% / low 4.10%
- Oct 5, 20264.45%▲ from 4.10%
- Sep 21, 20264.10%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
147 26th st, Ogden, UT 84401
24 Month Certificate
$500
4.45%
▼
Rate4.36%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.45% ▲ 0.30 pts · high 4.45% / low 4.15%
- Oct 5, 20264.45%▲ from 4.15%
- Sep 14, 20264.15%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
24 Months Jumbo IRA
$100,000
4.44%
▼
Rate4.35%
Min Deposit$100,000
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
2 changes since Sep 14, 2026 · 4.30% → 4.44% ▲ 0.14 pts · high 4.44% / low 4.30%
- Oct 10, 20264.44%▲ from 4.39%
- Sep 27, 20264.39%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
2 Year Certificate
$90,000
4.44%
▼
Rate4.35%
Min Deposit$90,000
UpdatedOct 12, 2026
Details
Jumbo/Min. $90,000
Rate History
No change since Oct 8, 2026 · 4.44% APY · checked 2 times
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
2 Year Certificate
$1,000
4.43%
▼
Rate4.36%
Min Deposit$1,000
UpdatedOct 11, 2026
Details
Early Withdrawal Penalty: 6 Month Interest
Rate History
1 change since Sep 14, 2026 · 3.26% → 4.43% ▲ 1.17 pts · high 4.43% / low 3.26%
- Oct 7, 20264.43%▲ from 3.26%
- Sep 14, 20263.26%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
24 Month Certificate of Deposit
$0
4.42%
▼
Rate4.35%
Min Deposit$0
UpdatedOct 7, 2026
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
- Oct 7, 20264.42%▲ from 4.22%
- Sep 18, 20264.22%first recorded
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
9 W Minnesota Ave, Winger, MN 56592
24 Month Business Special CD
$0
4.40%
▼
Rate4.35%
Min Deposit$0
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
1 change since Oct 7, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Oct 11, 20264.40%▲ from 4.20%
- Oct 7, 20264.20%first recorded
Smartypig, by Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
24 Month Certificates of deposit (CDs)
$2,500
4.40%
▼
Rate4.31%
Min Deposit$2,500
UpdatedOct 10, 2026
Details
Balance required to obtain APY: $2,500
Rate History
No change since Oct 10, 2026 · 4.40% APY
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
24 Month Certificate of Deposit
$100,000
4.40%
▼
Rate4.35%
Min Deposit$100,000
UpdatedOct 7, 2026
Details
Deposit Amount: $100,000 and above
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 7, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
6414 Montgomery St, Rhinebeck, NY 12572
2-Year CD - Promo
$2,000
4.40%
▼
Rate4.31%
Min Deposit$2,000
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 3 times
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
24 Month Share Certificate
$0
4.40%
▼
Rate4.31%
Min Deposit$0
UpdatedOct 7, 2026
Details
Balance: $1,000
Rate History
1 change since Sep 18, 2026 · 4.10% → 4.40% ▲ 0.30 pts · high 4.40% / low 4.10%
- Sep 27, 20264.40%▲ from 4.10%
- Sep 18, 20264.10%first recorded
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
17273 State Route 104, Chillicothe, OH 45601 9718
24 Month Certificate of Deposit
$500
4.40%
▼
Rate4.31%
Min Deposit$500
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Sep 25, 2026 · 4.40% APY · checked 3 times
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1509 4th Ave S, Birmingham, AL 35233 1612
24 Month Certificate
$500
4.40%
▼
Rate4.40%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Oct 9, 20264.40%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
24 Month Certificates of deposit (CDs)
$2,500
4.40%
▼
Rate4.31%
Min Deposit$2,500
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Sep 27, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
10461 White Granite Dr, Oakton, VA 22124
2 Year Certificate - Special Rate
$1,000
4.40%
▼
Rate—
Min Deposit$1,000
UpdatedOct 12, 2026
Details
Special Rate (APY)
Rate History
No change since Oct 12, 2026 · 4.40% APY
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
2301 RICHMOND RD, TEXARKANA, TX 75503
24 Month Share Certificate
$0
4.40%
▼
Rate4.31%
Min Deposit$0
UpdatedOct 9, 2026
Details
Balance: $1000
Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 2 times
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
Simple CDs - 24 Months
$0
4.40%
▼
Rate4.31%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
- Oct 6, 20264.40%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
W 1046 Marietta Ave, Ixonia, WI 53036
2-Year CD
$1,000
4.40%
▼
Rate4.33%
Min Deposit$1,000
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Sep 20, 2026 · 4.40% APY · checked 6 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
501 Nw Grand Blvd, Oklahoma City, OK 73118
24 Month CD
$500
4.40%
▼
Rate—
Min Deposit$500
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Oct 6, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
- Oct 10, 20264.40%▲ from 4.25%
- Oct 6, 20264.25%first recorded
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
2400 N Grandview Blvd, Waukesha, WI 53188
2 Year Certificate
$0
4.40%
▼
Rate4.31%
Min Deposit$0
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
550 W Meadows Dr, Freeport, IL 61032 7610
24 Month Personal CD & IRA CD
$1,000
4.40%
▼
Rate—
Min Deposit$1,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
2 changes since Sep 14, 2026 · 3.60% → 4.40% ▲ 0.80 pts · high 4.40% / low 3.60%
- Oct 9, 20264.40%▲ from 3.70%
- Sep 21, 20263.70%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
24 Month Certificates of Deposit
$0
4.40%
▼
Rate—
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Sep 20, 2026 · 4.40% APY · checked 4 times
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2431 E 61st St, Tulsa, OK 74136
24 Month CD
$0
4.40%
▼
Rate—
Min Deposit$0
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Sep 24, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
2 years High-Yield CD
$500
4.40%
▼
Rate—
Min Deposit$500
UpdatedOct 10, 2026
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
69 E 167th St, Bronx, NY 10452
1 1/2 Years (18 Months) Certificate of Deposit
$250
4.40%
▼
Rate4.31%
Min Deposit$250
UpdatedOct 12, 2026
Details
Term: 1 1/2 Years (18 Months)
Rate History
1 change since Sep 20, 2026 · 3.75% → 4.40% ▲ 0.65 pts · high 4.40% / low 3.75%
- Oct 3, 20264.40%▲ from 3.75%
- Sep 20, 20263.75%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
341 Englewood Ave, Buffalo, NY 14223 2819
24 Month Certificate of Deposit
$1,000
4.40%
▼
Rate—
Min Deposit$1,000
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
1 change since Sep 25, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Oct 12, 20264.40%▲ from 4.20%
- Sep 25, 20264.20%first recorded
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME 04240
2 Year Certificate
$500
4.40%
▼
Rate4.31%
Min Deposit$500
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
1 change since Sep 25, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
- Oct 4, 20264.40%▲ from 3.90%
- Sep 25, 20263.90%first recorded
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
4091 Mount Royal Blvd, Allison Park, PA 15101
Business 2 Year CD
$0
4.39%
▼
Rate4.30%
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
2 changes since Sep 14, 2026 · 4.13% → 4.39% ▲ 0.26 pts · high 4.39% / low 4.13%
- Oct 8, 20264.39%▲ from 4.18%
- Sep 24, 20264.18%▲ from 4.13%
- Sep 14, 20264.13%first recorded
Library Of Congress Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
101 Independence Ave SE Rm 634, Washington, DC 20540 0002
24 Month Monthly Dividend Certificate
$0
4.39%
▼
Rate4.30%
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Sep 25, 2026 · 4.39% APY · checked 4 times
Hometown Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 32.17%
18 MAIN AVE S, KULM, ND 58456
24 Month Share Certificate
$1,000
4.37%
▼
Rate4.30%
Min Deposit$1,000
UpdatedOct 9, 2026
Details
SPECIAL
Rate History
1 change since Sep 18, 2026 · 3.04% → 4.37% ▲ 1.33 pts · high 4.37% / low 3.04%
- Oct 9, 20264.37%▲ from 3.04%
- Sep 18, 20263.04%first recorded
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
3333 Burnet Ave, Cincinnati, OH 45229 3026
2 year Certificate of Deposit
$500
4.36%
▼
Rate4.35%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Sep 18, 2026 · 4.36% APY · checked 3 times
Bruning Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
104 E Main St, Bruning, NE 68322
24 Month Certificate Special
$0
4.35%
▼
Rate4.28%
Min Deposit$0
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Oct 7, 2026 · 4.35% APY
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
24 Month Jumbo Certificate
$0
4.35%
▼
Rate4.27%
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
Jumbo IRA Certificate - 2 Year
$0
4.35%
▼
Rate4.27%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 2 times
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3539 S Main St, Salt Lake City, UT 84115
24 Month CD
$10,000
4.35%
▼
Rate4.26%
Min Deposit$10,000
UpdatedOct 12, 2026
Details
Open Online; Online Only
Rate History
2 changes since Sep 14, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10%
- Oct 12, 20264.35%▲ from 4.25%
- Sep 25, 20264.25%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
15 S Main St, Deerfield, WI 53531
2 1/2 Year Certificate of Deposit
$500
4.35%
▼
Rate4.30%
Min Deposit$500
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Oct 7, 2026 · 4.35% APY
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2640 W Court St, Janesville, WI 53548
Jumbo Share or IRA Certificate (2 Year)
$10,000
4.35%
▼
Rate4.28%
Min Deposit$10,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 5, 2026 · 4.35% APY · checked 3 times
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
417 High St, Frankfort, KY 40601
24 Month Certificate
$500
4.35%
▼
Rate4.27%
Min Deposit$500
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 2 times
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
24 Month Jumbo Certificates
$50,000
4.35%
▼
Rate—
Min Deposit$50,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
- Sep 25, 20264.35%▲ from 4.05%
- Sep 18, 20264.05%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificates - 24 Months
$500
4.35%
▼
Rate4.26%
Min Deposit$500
UpdatedOct 12, 2026
Details
Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
141 Massachusetts Ave, Arlington, MA 02474
24 Month Certificate
$1,000
4.35%
▼
Rate4.27%
Min Deposit$1,000
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Sep 24, 20264.35%▲ from 4.15%
- Sep 18, 20264.15%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
4211 San Juan Ave, Jacksonville, FL 32210
24 Month Performance CD
$0
4.35%
▼
Rate—
Min Deposit$0
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
24 Month CD
$1,000
4.35%
▼
Rate—
Min Deposit$1,000
UpdatedOct 7, 2026
Details
The Annual Percentage Yield (APY) is accurate as of 09/24/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.
Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 6 times
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
3001 S 82ND AVE, OMAHA, NE 68124
24 Month Share Certificate
$500
4.35%
▼
Rate4.27%
Min Deposit$500
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
1 change since Sep 20, 2026 · 2.50% → 4.35% ▲ 1.85 pts · high 4.35% / low 2.50%
- Oct 8, 20264.35%▲ from 2.50%
- Sep 20, 20262.50%first recorded
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1490 Franklin Ave, Mineola, NY 11501 4801
24 Month Certificate
$0
4.35%
▼
Rate4.28%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.35% ▲ 0.85 pts · high 4.35% / low 3.50%
- Sep 22, 20264.35%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
2106 Crestmoor Rd, Nashville, TN 37215
2 Years Certificate
$0
4.35%
▼
Rate4.35%
Min Deposit$0
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
123 W 4th St, Cedar Falls, IA 50613 2831
24 Month JUMBO Certificate
$100,000
4.35%
▼
Rate4.28%
Min Deposit$100,000
UpdatedOct 9, 2026
Details
Limited Time Special; Penalty for Early Withdrawal
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.35% ▲ 0.05 pts · high 4.35% / low 4.30%
- Oct 9, 20264.35%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
125 S West St, Wilmington, DE 19801
24 Month Online CD
$0
4.35%
▼
Rate—
Min Deposit$0
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
420 Lexington Ave Rm 850, New York, NY 10170 0033
24 Month Long-Term Certificates
$50,000
4.34%
▼
Rate4.25%
Min Deposit$50,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Sep 14, 2026 · 4.34% APY · checked 8 times
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
2200 W Main St Ste L100, Durham, NC 27705 4600
IRA Certificate 13-24 month term
$500
4.34%
▼
Rate4.25%
Min Deposit$500
UpdatedOct 9, 2026
Details
IRA Certificate2
Rate History
No change since Oct 5, 2026 · 4.34% APY · checked 2 times
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
2 Year Certificate
$500
4.34%
▼
Rate4.25%
Min Deposit$500
UpdatedOct 9, 2026
Details
Credit Quarterly Compound Daily
Rate History
No change since Oct 9, 2026 · 4.34% APY
Karnes County National Bank
Institution Rating:
C-3.7 ★Texas Ratio: 30.99%
311 E Calvert Ave, Karnes City, TX 78118
Jumbo CD - 2 Year
$0
4.33%
▼
Rate4.25%
Min Deposit$0
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.33% ▲ 1.08 pts · high 4.33% / low 3.25%
- Oct 7, 20264.33%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
24 Month Certificate
$0
4.33%
▼
Rate4.25%
Min Deposit$0
UpdatedOct 9, 2026
Details
Balance: $100,000 +
Rate History
1 change since Sep 21, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Oct 9, 20264.33%▲ from 4.07%
- Sep 21, 20264.07%first recorded
Ouachita Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1420 Natchitoches St, West Monroe, LA 71292
24-Month IRA
$2,000
4.33%
▼
Rate4.25%
Min Deposit$2,000
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 6 times
Thayer County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
402 Lincoln Ave, Hebron, NE 68370
24 Month CD
$0
4.33%
▼
Rate4.25%
Min Deposit$0
UpdatedOct 11, 2026
Details
Balance: $75,000.00 and up
Rate History
1 change since Sep 11, 2026 · 4.21% → 4.33% ▲ 0.12 pts · high 4.33% / low 4.21%
- Oct 3, 20264.33%▲ from 4.21%
- Sep 11, 20264.21%first recorded
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3845 Angola Rd, Toledo, OH 43615
24 Month Share Certificate
$0
4.32%
▼
Rate4.25%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 3.80% → 4.32% ▲ 0.52 pts · high 4.32% / low 3.80%
- Oct 10, 20264.32%▲ from 3.80%
- Sep 18, 20263.80%first recorded
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
5255 Regency Dr, Parma, OH 44129 5453
2 Year Certificate
$500
4.32%
▼
Rate4.25%
Min Deposit$500
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Sep 14, 2026 · 4.32% APY · checked 6 times
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
119 N Main St, Seymour, MO 65746
24 Month CD
$0
4.32%
▼
Rate4.25%
Min Deposit$0
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
1 change since Sep 7, 2026 · 3.29% → 4.32% ▲ 1.03 pts · high 4.32% / low 3.29%
- Oct 3, 20264.32%▲ from 3.29%
- Sep 7, 20263.29%first recorded
Holley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
1107 Mineral Wells Ave, Paris, TN 38242 4903
24 Month Share Certificate
$0
4.32%
▼
Rate4.25%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.32% ▲ 0.57 pts · high 4.32% / low 3.75%
- Sep 27, 20264.32%▲ from 3.75%
- Sep 14, 20263.75%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
3030 S Adrian Hwy, Adrian, MI 49221
24 Month CD
$0
4.32%
▼
Rate4.25%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.32% ▲ 0.52 pts · high 4.32% / low 3.80%
- Oct 9, 20264.32%▲ from 3.80%
- Sep 14, 20263.80%first recorded
CLEVELAND SELFRELIANCE
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
6108 State Rd, Parma, OH 44134 3702
24 Month Certificate
$500
4.31%
▼
Rate4.25%
Min Deposit$500
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Oct 6, 2026 · 4.31% APY · checked 2 times
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
124 1st St Se, Waverly, IA 50677
24 Month Certificate
$0
4.30%
▼
Rate4.25%
Min Deposit$0
UpdatedOct 7, 2026
Details
$500 to $99,999.99
Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
24 Month Share Certificates
$1,000
4.30%
▼
Rate4.21%
Min Deposit$1,000
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 6, 20264.30%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
24 Month IRA CD
$0
4.30%
▼
Rate—
Min Deposit$0
UpdatedOct 10, 2026
Details
APY* (min. balance $100,000)
Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 6 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
800 Wayne Ave, Chambersburg, PA 17201 3810
24 Month Share Certificate
$0
4.30%
▼
Rate—
Min Deposit$0
UpdatedOct 9, 2026
Details
Balance: $250,000.01+
Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 2 times
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
1627 Holland Rd, Maumee, OH 43537
IRA Certificates - 24-Month
$500
4.30%
▼
Rate4.22%
Min Deposit$500
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
2 changes since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 4, 20264.30%▲ from 4.05%
- Sep 20, 20264.05%▲ from 3.90%
- Sep 12, 20263.90%first recorded
New Heights Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
72 E 700 N, Logan, UT 84321
24 Month CD
$5,000
4.30%
▼
Rate—
Min Deposit$5,000
UpdatedOct 9, 2026
Details
APY = Annual Percentage Yield. Terms and conditions may apply. Early withdrawal penalties may apply. $5,000+ deposit required for promotional rate.
Rate History
No change since Oct 9, 2026 · 4.30% APY
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
1125 ACADEMY ST N, AHOSKIE, NC 27910
24 Month Share Term Certificate
$250
4.30%
▼
Rate4.30%
Min Deposit$250
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 22, 2026 · 3.85% → 4.30% ▲ 0.45 pts · high 4.30% / low 3.85%
- Oct 9, 20264.30%▲ from 3.85%
- Sep 22, 20263.85%first recorded
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1868 S 500 W, Woods Cross, UT 84010
24 Month Certificate
$500
4.30%
▼
Rate4.22%
Min Deposit$500
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
Iowa State Bank Clarksville, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
100 N Main St, Clarksville, IA 50619
24 Month CD
$5,000
4.30%
▼
Rate4.25%
Min Deposit$5,000
UpdatedOct 11, 2026
Details
Limited Time Only
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.30% ▲ 0.25 pts · high 4.30% / low 4.05%
- Oct 7, 20264.30%▲ from 4.05%
- Sep 14, 20264.05%first recorded
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
24 Month TD Choice CD (Promotional)
$250
4.30%
▼
Rate4.22%
Min Deposit$250
UpdatedOct 11, 2026
Details
Same rate all balance tiers
Rate History
No change since Oct 11, 2026 · 4.30% APY
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
241 E Saginaw St, East Lansing, MI 48823
24 Month Certificate of Deposit
$0
4.30%
▼
Rate4.23%
Min Deposit$0
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Sep 24, 20264.30%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
5 Hillman Dr, Chadds Ford, PA 19317
24 MONTH Certificate
$0
4.30%
▼
Rate4.21%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.30% ▲ 0.70 pts · high 4.30% / low 3.60%
- Oct 5, 20264.30%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
24 Month IRA TDC
$0
4.30%
▼
Rate4.22%
Min Deposit$0
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 3, 20264.30%▲ from 4.10%
- Sep 24, 20264.10%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1680 Capital One Dr, Mclean, VA 22102
24 Month 360 CDs
$0
4.30%
▼
Rate—
Min Deposit$0
UpdatedOct 7, 2026
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
Bask Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2000 Mckinney Ave, Dallas, TX 75201
24 month CD
$1,000
4.30%
▼
Rate—
Min Deposit$1,000
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Oct 10, 2026 · 4.30% APY
Gala Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
517 Sw 27th Ave, Ocala, FL 34471
24 Months CD
$0
4.30%
▼
Rate—
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Oct 10, 2026 · 4.30% APY
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4926 La Cuenta Dr, San Diego, CA 92124 2609
24 Month Share Certificate
$0
4.30%
▼
Rate4.23%
Min Deposit$0
UpdatedOct 5, 2026
Details
No additional details available.
Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 5 times
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
70 Glen St, Glen Cove, NY 11542
24 Month Certificate
$500
4.30%
▼
Rate4.21%
Min Deposit$500
UpdatedOct 12, 2026
Details
Online
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 8, 20264.30%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
2191 Lemay Ferry Rd, Lemay, MO 63125
Term CD 2-Year
$1,000
4.30%
▼
Rate4.23%
Min Deposit$1,000
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 24, 2026 · 3.00% → 4.30% ▲ 1.30 pts · high 4.30% / low 3.00%
- Oct 6, 20264.30%▲ from 3.00%
- Sep 24, 20263.00%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3777 West Rd, East Lansing, MI 48823 8029
2-Year Certificate or IRA-HSA Jumbo
$100,000
4.30%
▼
Rate—
Min Deposit$100,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
- Sep 25, 20264.30%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
24 Month Investment Certificates
$500
4.30%
▼
Rate4.23%
Min Deposit$500
UpdatedOct 9, 2026
Details
Minimum: $500 Minimum
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 9, 20264.30%▲ from 3.90%
- Sep 18, 20263.90%first recorded
First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
411 W Main St, Mcnabb, IL 61335
24 Month Certificates of Deposit (CDs)
$1,000
4.29%
▼
Rate4.25%
Min Deposit$1,000
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 3.54% → 4.29% ▲ 0.75 pts · high 4.29% / low 3.54%
- Sep 24, 20264.29%▲ from 3.54%
- Sep 18, 20263.54%first recorded
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
1001 Central Ave, Los Alamos, NM 87544
IRA/Share Certificate 24 Months
$0
4.29%
▼
Rate4.20%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Sep 14, 2026 · 4.29% APY · checked 4 times
McCoy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1900 McCoy Rd, Orlando, FL 32809
24 Month Share Certificate
$0
4.28%
▼
Rate4.20%
Min Deposit$0
UpdatedOct 12, 2026
Details
Balance: $1,000 - $4,999
Rate History
1 change since Sep 17, 2026 · 3.56% → 4.28% ▲ 0.73 pts · high 4.28% / low 3.56%
- Sep 25, 20264.28%▲ from 3.56%
- Sep 17, 20263.56%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
626 Jacksonville Rd, Warminster, PA 18974 4862
24 Month CD
$0
4.28%
▼
Rate4.20%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 9, 2026 · 4.28% APY · checked 3 times
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
24-Month CD
$50,000
4.28%
▼
Rate4.20%
Min Deposit$50,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.28% ▲ 0.31 pts · high 4.28% / low 3.97%
- Oct 5, 20264.28%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
501 Main St, Milligan, NE 68406
24 Month Certificate of Deposit
$0
4.27%
▼
Rate4.20%
Min Deposit$0
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Sep 19, 2026 · 4.27% APY · checked 2 times
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
806 5th St, Wamego, KS 66547
2 Year Certificate
$0
4.27%
▼
Rate4.20%
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.83% → 4.27% ▲ 0.44 pts · high 4.27% / low 3.83%
- Oct 8, 20264.27%▲ from 3.83%
- Sep 14, 20263.83%first recorded
Adams State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
649 Main St, Adams, NE 68301
24 Month Certificate of Deposit
$1,000
4.27%
▼
Rate4.20%
Min Deposit$1,000
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
1 change since Sep 19, 2026 · 4.00% → 4.27% ▲ 0.27 pts · high 4.27% / low 4.00%
- Oct 7, 20264.27%▲ from 4.00%
- Sep 19, 20264.00%first recorded
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
2 Year CD
$1,000
4.27%
▼
Rate4.20%
Min Deposit$1,000
UpdatedOct 12, 2026
Details
Balance: $100,000 & over
Rate History
2 changes since Sep 20, 2026 · 4.16% → 4.27% ▲ 0.11 pts · high 4.27% / low 4.16%
- Oct 3, 20264.27%▲ from 4.22%
- Sep 24, 20264.22%▲ from 4.16%
- Sep 20, 20264.16%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
2309 Montgomery St, Fort Worth, TX 76107 4520
24-Month IRA Jumbo Share CD
$0
4.27%
▼
Rate4.19%
Min Deposit$0
UpdatedOct 10, 2026
Details
IRA
Rate History
1 change since Sep 14, 2026 · 3.84% → 4.27% ▲ 0.43 pts · high 4.27% / low 3.84%
- Oct 10, 20264.27%▲ from 3.84%
- Sep 14, 20263.84%first recorded
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
804 Laurel St Ste 101, Brainerd, MN 56401 3799
24-month IRA share certificate
$0
4.27%
▼
Rate4.20%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
- Sep 18, 20264.27%▲ from 4.06%
- Sep 14, 20264.06%first recorded
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
1419 N 2nd St, Ishpeming, MI 49849 1149
24 Month Jumbo Share Certificates
$100,000
4.27%
▼
Rate4.20%
Min Deposit$100,000
UpdatedOct 12, 2026
Details
Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 3.91% → 4.27% ▲ 0.36 pts · high 4.27% / low 3.91%
- Oct 4, 20264.27%▲ from 3.91%
- Sep 12, 20263.91%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
24-Month Super Jumbo Certificate
$225,000
4.27%
▼
Rate4.20%
Min Deposit$225,000
UpdatedOct 12, 2026
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.11% → 4.27% ▲ 0.16 pts · high 4.27% / low 4.11%
- Oct 4, 20264.27%▲ from 4.11%
- Sep 14, 20264.11%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
24 Month Term Share (Certificate) / IRA
$0
4.26%
▼
Rate4.18%
Min Deposit$0
UpdatedOct 7, 2026
Details
Balance: $99,000 and over
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.26% ▲ 0.36 pts · high 4.26% / low 3.90%
- Oct 2, 20264.26%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Heritage Community Bank Union, MO
Institution Rating:
B4.5 ★Texas Ratio: 21.03%
100 E Locust St, Union, MO 63084
24 Month Certificate
$0
4.25%
▼
Rate4.16%
Min Deposit$0
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Sep 7, 2026 · 4.25% APY · checked 7 times
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
225 W Broad St, Rochester, NY 14608
7 - 24 Month Share Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
UpdatedOct 5, 2026
Details
Choose Your Own Term!
Rate History
No change since Oct 5, 2026 · 4.25% APY
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
24 Months Certificate
$50
4.25%
▼
Rate—
Min Deposit$50
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 9, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3950 38th Ave, Moline, IL 61265 6471
24 Month Certificate
$500
4.25%
▼
Rate4.17%
Min Deposit$500
UpdatedOct 10, 2026
Details
HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Sep 27, 20264.25%▲ from 4.15%
- Sep 14, 20264.15%first recorded
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
3059 Joppa Ave S, Saint Louis Park, MN 55416
24 Month Certificate
$0
4.25%
▼
Rate4.18%
Min Deposit$0
UpdatedOct 11, 2026
Details
Create Account
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
815 1st St, Idaho Falls, ID 83401 4080
24 Month IRA Term Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 22, 20264.25%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Verity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.33%
18530 33rd Ave W, Lynnwood, WA 98037
24 Month Community-Impact Certificate Accounts for Nonprofit Organizations
$0
4.25%
▼
Rate4.17%
Min Deposit$0
UpdatedOct 10, 2026
Details
Balance: $0-$999
Rate History
No change since Oct 10, 2026 · 4.25% APY
Enterprise Bank Omaha, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
525 N 132nd Street, Omaha, NE 68154
24 Month CD Specials
$0
4.25%
▼
Rate4.18%
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
Pacific Crest SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3500 188th St Sw, Lynnwood, WA 98037
2 Year Certificate
$0
4.25%
▼
Rate4.16%
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Oct 8, 20264.25%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Bogota Savings Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.77%
819 Teaneck Rd, Teaneck, NJ 07666
24 Month Certificate
$1,000
4.25%
▼
Rate4.16%
Min Deposit$1,000
UpdatedOct 11, 2026
Details
Interest Compounded Daily | Posted Monthly
Rate History
No change since Sep 19, 2026 · 4.25% APY · checked 6 times
Campus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6230 Perkins Rd, Baton Rouge, LA 70808
24 Month Certificate Accounts
$1,000
4.25%
▼
Rate4.18%
Min Deposit$1,000
UpdatedOct 12, 2026
Details
Dividends credited quarterly
Rate History
1 change since Sep 20, 2026 · 3.40% → 4.25% ▲ 0.85 pts · high 4.25% / low 3.40%
- Oct 4, 20264.25%▲ from 3.40%
- Sep 20, 20263.40%first recorded
Citizens Bank & Trust Company KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
201 E Main St, Campbellsville, KY 42718
2 Year Certificate of Deposit
$500
4.25%
▼
Rate4.25%
Min Deposit$500
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Sep 20, 2026 · 4.25% APY · checked 6 times
SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
333 RAVENSWOOD AVE, MENLO PARK, CA 94025
2 Year IRA Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 2 times
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
121 S Marion Ave, Washington, IA 52353
24 Month CD Specials
$225,000
4.25%
▼
Rate4.18%
Min Deposit$225,000
UpdatedOct 12, 2026
Details
Deposit Amount: $225,000.00 and above; Compounding: Quarterly
Rate History
No change since Sep 20, 2026 · 4.25% APY · checked 6 times
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
790 W Mill St, Middletown, IN 47356
24-month CD/IRA Promotional Rate
$0
4.25%
▼
Rate—
Min Deposit$0
UpdatedOct 7, 2026
Details
Promotional Rate. Rates may vary by zip code. APY (Annual Percentage Yield) effective 9/25/2026 for a limited time. See Details.
Rate History
No change since Sep 27, 2026 · 4.25% APY · checked 3 times
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2669 Post Rd, Warwick, RI 02886 3039
2 Year Certificate
$1,000
4.25%
▼
Rate4.16%
Min Deposit$1,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 4 times
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
227 Market St, Camden, NJ 08102
24 Month Business Share Certificate
$0
4.25%
▼
Rate4.17%
Min Deposit$0
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
- Sep 24, 20264.25%▲ from 3.15%
- Sep 18, 20263.15%first recorded
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
581 Merrimack St, Lowell, MA 01854 3908
24 Months - SPECIAL OFFER Certificate of Deposit
$250
4.25%
▼
Rate4.17%
Min Deposit$250
UpdatedOct 9, 2026
Details
A $250.00 minimum balance and $5.00 membership account are required to open a Certificate of Deposit. This certificate is available with a one-time bump-up option.
Rate History
1 change since Sep 18, 2026 · 3.65% → 4.25% ▲ 0.60 pts · high 4.25% / low 3.65%
- Oct 5, 20264.25%▲ from 3.65%
- Sep 18, 20263.65%first recorded
First National Bank of Pana
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
306 S Locust St, Pana, IL 62557
24 Month CD SPECIAL
$1,000
4.25%
▼
Rate—
Min Deposit$1,000
UpdatedOct 7, 2026
Details
Annual Percentage Yield of 4.25% for 6 months 4 terms to fit your needs-6, 12, 18, and 24-month special.* Call or stop in for full details.
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
24 Month CD
$0
4.25%
▼
Rate4.16%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
- Oct 1, 20264.25%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Embarrass Vermillion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
600 W 3rd Ave N, Aurora, MN 55705 1269
2 Year Certificate
$0
4.25%
▼
Rate4.18%
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25%
- Oct 4, 20264.25%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Keen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
101 State St N, Waseca, MN 56093
24 month CD
$2,000
4.25%
▼
Rate4.25%
Min Deposit$2,000
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 2.25% → 4.25% ▲ 2.00 pts · high 4.25% / low 2.25%
- Oct 7, 20264.25%▲ from 2.25%
- Sep 14, 20262.25%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
300 Arneill Rd, Camarillo, CA 93010
2 Year Term Share Certificate
$500
4.25%
▼
Rate4.17%
Min Deposit$500
UpdatedOct 12, 2026
Details
Term: 2 years with Epic Premium Checking; Epic Premium Checking relationship rate
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 4, 20264.25%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
214 Oil Well Rd, Jackson, TN 38305 7914
24-Month Certificate Special
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 9, 2026 · 4.25% APY
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
610 SW 10th Ave, Topeka, KS 66612
24 Month Business Certificate
$0
4.25%
▼
Rate4.17%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 9, 2026 · 4.25% APY
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
1617 W 7th St, Fort Worth, TX 76102
24 Month Jumbo CD
$50,000
4.25%
▼
Rate4.17%
Min Deposit$50,000
UpdatedOct 10, 2026
Details
Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
Rate History
No change since Sep 22, 2026 · 4.25% APY · checked 4 times
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3730 N Stone Ave, tucson, AZ 85705 3204
24 Month Term Share Certificates
$0
4.25%
▼
Rate—
Min Deposit$0
UpdatedOct 12, 2026
Details
Checking Relationship APY
Rate History
2 changes since Sep 12, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.00%
- Oct 12, 20264.25%▲ from 4.00%
- Oct 4, 20264.00%▼ from 4.50%
- Sep 12, 20264.50%first recorded
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1407 W North Temple Ste 120C, Salt Lake City, UT 84116
24-Month Certificate
$500
4.25%
▼
Rate—
Min Deposit$500
UpdatedOct 9, 2026
Details
Rates are as of October 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
200 W Main St, Washington, MO 63090
24 Month CD or IRA CD
$500
4.25%
▼
Rate4.18%
Min Deposit$500
UpdatedOct 7, 2026
Details
Interest paid quarterly
Rate History
No change since Sep 8, 2026 · 4.25% APY · checked 8 times
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2890 Transit Rd, Newfane, NY 14108 9740
24 Month Share Certificates & IRA Certificates
$0
4.25%
▼
Rate4.17%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25%
- Oct 9, 20264.25%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Heritage Hub Federal Credit Union
Institution Rating:
A+5.0 ★
2645 Winrock Blvd, Houston, TX 77057
24-Month CD MOST POPULAR
$50,000
4.25%
▼
Rate—
Min Deposit$50,000
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 4 times
Town and Country Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
615 S Broadway, Minot, ND 58701 4473
24 Month CD
$0
4.25%
▼
Rate—
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25%
- Oct 9, 20264.25%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
815 N Freedom Blvd, Provo, UT 84604 3315
24 Month Term Share Certificate
$1,000
4.25%
▼
Rate4.18%
Min Deposit$1,000
UpdatedOct 9, 2026
Details
Minimum: $1,000 required to open regular and IRA certificate accounts. $500 required to open youth certificate accounts.; Dividend Frequency: Quarterly
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 26, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
8395 W Sunset Rd, Las Vegas, NV 89113
24 Month IRA Term Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
UpdatedOct 1, 2026
Details
No additional details available.
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 5 times
East Wisconsin Savings Bank
Institution Rating:
B-3.3 ★Texas Ratio: 0.83%
109 W 2nd St, Kaukauna, WI 54130
24 Month CD
$500
4.25%
▼
Rate4.18%
Min Deposit$500
UpdatedOct 7, 2026
Details
Renews to 30 mo
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
- Sep 19, 20264.25%▲ from 3.80%
- Sep 14, 20263.80%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
9353 Jefferson Hwy, Maple Grove, MN 55369
24 Month Certificate
$1,000
4.25%
▼
Rate4.18%
Min Deposit$1,000
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 10, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Mass Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1250 Hancock St, Quincy, MA 02169
24 Month Certificate
$500
4.25%
▼
Rate—
Min Deposit$500
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
6,898
24-Month CD Rates
Tracked Nationwide
Tracked Nationwide
3,436 Institutions
About Our 24-month CD Rate Database
MonitorBankRates tracks 6,898 24-month CD rates from 3,436 institutions across the United States. 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: Tower Federal Credit Union offers a 24-month CD at 5.20% APY with a minimum deposit of $500. Use the rate table above to compare all current offers.
24-Month CD Rate Trend
Daily national average APY for 24-month CDs
Daily averages compiled from our database of 8,500+ banks and credit unions — updated daily.
24-Month CD — National Avg
2.879%
▲ 0.022 vs 7 days ago
National 24-month CD rates rose 0.022 points over the past 7 days to 2.879% APY, up from 2.857% 7 days ago.
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MonitorBankRates
24-month CD Rate Forecast — Next 12 Months
Where are 24-month CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
Current Avg APY
2.879%
6-Month Forecast
2.879%
Range: 2.68% – 3.03%
12-Month Forecast
2.629%
Range: 2.43% – 2.78%
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24-month CD Calculator
Enter any deposit amount to see exactly how much interest you earn at the end of your 24-month term at today’s top APY.
CD Ladder with 24 months RungAdd a 24-month rung to your ladder for a 2-year yield premium. Model how this mid-range term pairs with 12-month CDs to balance access and earnings.
Early Withdrawal Penalty24-month CDs typically carry a 180–365 days interest penalty for early access. Calculate your actual net return if you need funds before maturity.
24-month CD vs. High-Yield Savings2-year CD rates can significantly outpace savings accounts. Compare both to determine if locking funds for 24 months is worth the yield premium over a variable-rate account.
How to Find the Best 24-month CD Rates
What to compare when shopping for a 24-month CD
To find the best APYs on a 24-month CD, start with credit unions and online-only banks — they consistently offer the highest yields because they have lower overhead than traditional brick-and-mortar 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. A CD advertised at 4.75% interest compounding monthly is worth more than one at 4.80% compounding annually.
Also compare the early withdrawal penalty. On a 24-month CD, common penalties range from 30 to 90 days of interest. If you’re unsure whether you’ll need the funds early, a penalty-free no-penalty CD or a high-yield savings account may be a better fit.
When a 24-month CD Makes Sense
- You have a planned purchase or expense in ~24 months and want to earn while you wait
- You expect interest rates to fall and want to lock in today’s rate short-term
- You want to secure a higher rate than a 1-year CD offers for a 2-year savings goal
- You want FDIC/NCUA protection with a guaranteed fixed return
Consider an Alternative If…
- You may need funds before 3 months → High-yield savings
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing or debit access → Money market account
24-month CD vs. Other Savings Options
| Feature | 24-month CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked 24 months | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (30–90 days 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 near-term goal, CD ladder start | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
24-Month CD FAQs
What is a 24-Month (2-Year) Certificate of Deposit?
A 24-month CD is a savings account that holds a fixed amount of money for two years. In exchange for committing your funds, banks typically offer a higher fixed interest rate than shorter-term accounts.
Are 2-year CD rates higher than 1-year CD rates?
It depends on the rate environment. In a normal yield curve, 2-year CDs tend to offer slightly higher rates than 1-year CDs. In an inverted yield curve, shorter-term CDs can sometimes yield more, so always compare current offers.
Is my money safe in a 24-month CD?
Yes. CDs at FDIC-insured banks or NCUA-insured credit unions are insured up to $250,000 per depositor, per institution. Your principal is fully protected up to that limit.
What happens if I withdraw money from a 2-year CD early?
Early withdrawal from a 24-month CD typically incurs a penalty of several months of interest, often 6 months or more. The exact penalty varies by institution, so review the terms carefully before opening.
What is APY and how does it differ from the interest rate?
APY (Annual Percentage Yield) reflects the total return including compounding over a year. The interest rate is the base rate before compounding. APY is always the right number to use when comparing CD offers.
How does a 2-year CD fit into a CD ladder strategy?
A 24-month CD is a common middle rung in a CD ladder. By staggering maturity dates (e.g., 6-month, 12-month, 18-month, 24-month), you maintain regular access to a portion of your savings while maximizing overall yield.
How can I use a 24-month CD in a CD ladder?
A 24-month CD is a strong mid-range ladder rung. Pair it with a 12-month CD so you have one maturing each year. When the 12-month matures you can reinvest into another 24-month, creating a rolling 2-year ladder that always keeps half your savings accessible within 12 months.
Is a 24-month CD better than a 12-month CD right now?
A 24-month CD makes sense when you expect rates to fall over the next year \u2014 locking in today's rate for 2 years protects your yield. If rates are rising, a 12-month CD lets you reinvest sooner at a higher rate. Compare the current spread between 12-month and 24-month rates: if the premium is significant, the 2-year term is worth the extra commitment.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate 24-month CD rates nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology. By pulling data straight from the institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available 2-year CD yields across the country. We feature a comprehensive mix of financial institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly based on Federal Reserve policy and market conditions, every CD product listed features its own specific “last updated” date for full transparency.
Proprietary Institution Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you deposit with secure, reliable institutions.
Disclaimer: Interest rates are variable and subject to change without notice. It is always advisable to verify current offers directly with the institution’s official website. Last Updated and Verified: October 12, 2026
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