Best 36-Month CD Rates - October 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
36-month CD rates range from 4.16% to 5.13% APY, verified by MonitorBankRates as of October 12, 2026. Top 36-month CD rates currently available include 1st Community Credit Union1st Community Credit Union1000 W Wisconsin St, Sparta, WI 54656 2230A+5.0 ★Texas Ratio: 5.97%Real return: +2.33%APY minus CPI (February 2026) offering 36-MONTH TEEN CERTIFICATE SPECIAL at 5.13% APY, and Raymond James BankRaymond James Bank710 Carillon Pkwy, Saint Petersburg, FL 33716A+5.0 ★Texas Ratio: 3.19%Real return: +2.25%APY minus CPI (February 2026) offering 36 Month Certificate at 5.05% APY, and National Police Federal Credit UnionNational Police Federal Credit Union1407 W Washington Blvd, Chicago, IL 60607 1820A+5.0 ★Texas Ratio: 4.12%Real return: +2.22%APY minus CPI (February 2026) offering 36-Month IRA at 5.02% APY, and First National Bank of MichiganFirst National Bank of Michigan348 W Michigan Ave, Kalamazoo, MI 49007A5.0 ★Texas Ratio: 7.32%Real return: +2.20%APY minus CPI (February 2026) offering 3-Year Rising Rate Certificate of Deposit - Year 3 term at 5.00% APY. CD rates as of October 12, 2026 according to verified data from MonitorBankRates.
A 3-year CD is well-suited for savers with a medium-term horizon who want to lock in a solid fixed rate without committing to five years. It balances yield and accessibility, and pairs well with a CD ladder strategy. 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. 36-Month CD Rates Last Updated and Verified: October 12, 2026
Compare the Best 36-Month CD Rates Nationwide
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
1000 W Wisconsin St, Sparta, WI 54656 2230
36-MONTH TEEN CERTIFICATE SPECIAL
$500
5.13%
▼
Rate5.00%
Min Deposit$500
UpdatedOct 9, 2026
Details
FOR AGES 13-15 YEARS OLD; Minimum deposit of $500, Maximum $10,000. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. A penalty may be imposed for withdrawals before maturity. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Youth members may have one of each Youth Certificate type. Teen members may have one Teen Certificate and one of each Youth Certificate type. Certificates are subject to age restrictions. Cannot be opened as UTMA account. Certificate must be in the minor's name. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA.
Rate History
No change since Sep 14, 2026 · 5.13% APY · checked 7 times
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
36 Month Certificate
$2,000
5.05%
▼
Rate4.93%
Min Deposit$2,000
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Oct 7, 2026 · 5.05% APY · checked 2 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
36-Month IRA
$0
5.02%
▼
Rate4.90%
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
No change since Oct 12, 2026 · 5.02% APY
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
348 W Michigan Ave, Kalamazoo, MI 49007
3-Year Rising Rate Certificate of Deposit - Year 3 term
$0
5.00%
▼
Rate4.89%
Min Deposit$0
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Sep 19, 2026 · 5.00% APY · checked 4 times
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
36 Month Certificates
$500
5.00%
▼
Rate4.91%
Min Deposit$500
UpdatedOct 9, 2026
Details
Balance: $100,000 and over
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
3 Year FDIC-Insured Certificate of Deposit
$0
5.00%
▼
Rate—
Min Deposit$0
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
2 changes since Sep 24, 2026 · 4.75% → 5.00% ▲ 0.25 pts · high 5.00% / low 4.75%
- Oct 3, 20265.00%▲ from 4.90%
- Sep 27, 20264.90%▲ from 4.75%
- Sep 24, 20264.75%first recorded
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2485 Village View Dr, Henderson, NV 89074
36 Month CERTIFICATES OF DEPOSIT
$0
4.99%
▼
Rate4.90%
Min Deposit$0
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
1 change since Sep 24, 2026 · 4.73% → 4.99% ▲ 0.26 pts · high 4.99% / low 4.73%
- Oct 7, 20264.99%▲ from 4.73%
- Sep 24, 20264.73%first recorded
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
104 S Cascade Ave, Colorado Springs, CO 80903
36 Month Variable IRA
$250
4.96%
▼
Rate4.85%
Min Deposit$250
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.44% → 4.96% ▲ 0.52 pts · high 4.96% / low 4.44%
- Oct 11, 20264.96%▲ from 4.44%
- Sep 14, 20264.44%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
IRA 36 MONTH
$100
4.96%
▼
Rate4.90%
Min Deposit$100
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
5 changes since Sep 8, 2026 · 4.24% → 4.96% ▲ 0.72 pts · high 5.06% / low 4.24%
- Oct 7, 20264.96%▼ from 5.06%
- Oct 2, 20265.06%▲ from 4.76%
- Sep 27, 20264.76%▲ from 4.65%
- Sep 24, 20264.65%▲ from 4.55%
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
36 Month Jumbo Certificate of Deposit
$0
4.96%
▼
Rate4.85%
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Oct 8, 2026 · 4.96% APY · checked 2 times
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
36 Month Jumbo Share Certificates (CDs)
$0
4.93%
▼
Rate4.81%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.93% ▲ 0.57 pts · high 4.93% / low 4.35%
- Oct 9, 20264.93%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
255 Main St, Massena, NY 13662
36 Month CD
$0
4.90%
▼
Rate4.75%
Min Deposit$0
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
1 change since Sep 19, 2026 · 3.18% → 4.90% ▲ 1.72 pts · high 4.90% / low 3.18%
- Oct 3, 20264.90%▲ from 3.18%
- Sep 19, 20263.18%first recorded
Scott Associates Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
14111 Scottslawn Rd, Marysville, OH 43040
36 Month Share Certificates
$500
4.86%
▼
Rate4.75%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 22, 2026 · 3.82% → 4.86% ▲ 1.04 pts · high 4.86% / low 3.82%
- Oct 9, 20264.86%▲ from 3.82%
- Sep 22, 20263.82%first recorded
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
3181 Larchmont Ave NE, Warren, OH 44483 2435
36 Month Jumbo Certificate
$0
4.85%
▼
Rate4.75%
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 · 4.25% → 4.85% ▲ 0.60 pts · high 4.85% / low 4.25%
- Oct 9, 20264.85%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
36 Month Certificate
$0
4.85%
▼
Rate4.74%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Oct 6, 2026 · 4.85% APY · checked 2 times
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
4th Street And Lafayette Avenue, Palmerton, PA 18071
3 Year Adjustable CD
$1,000
4.81%
▼
Rate4.73%
Min Deposit$1,000
UpdatedOct 7, 2026
Details
See details. Not available for purchase effective June 7, 2022.
Rate History
1 change since Sep 27, 2026 · 4.29% → 4.81% ▲ 0.52 pts · high 4.81% / low 4.29%
- Oct 4, 20264.81%▲ from 4.29%
- Sep 27, 20264.29%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
3 Year Certificate
$500
4.80%
▼
Rate4.69%
Min Deposit$500
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.80% ▲ 0.45 pts · high 4.80% / low 4.35%
- Oct 10, 20264.80%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
241 Union St, Rockland, MA 02370
3 Year Share Certificate
$500
4.75%
▼
Rate4.65%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 9, 2026 · 4.75% APY
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
3 Year Certificates of Deposit (CDs)
$100
4.73%
▼
Rate4.68%
Min Deposit$100
UpdatedOct 12, 2026
Details
Balance: $100,000+
Rate History
1 change since Sep 14, 2026 · 4.37% → 4.73% ▲ 0.36 pts · high 4.73% / low 4.37%
- Sep 24, 20264.73%▲ from 4.37%
- Sep 14, 20264.37%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
36-MONTH CERTIFICATE
$100,000
4.70%
▼
Rate4.60%
Min Deposit$100,000
UpdatedOct 9, 2026
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.70% ▲ 0.68 pts · high 4.70% / low 4.02%
- Oct 9, 20264.70%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
315 Croghan St, Fremont, OH 43420 3013
Share Certificates - 36 Month
$0
4.70%
▼
Rate4.60%
Min Deposit$0
UpdatedOct 12, 2026
Details
Type: Regular/IRA; Dividends compound & paid: Daily
Rate History
1 change since Sep 14, 2026 · 4.26% → 4.70% ▲ 0.44 pts · high 4.70% / low 4.26%
- Oct 12, 20264.70%▲ from 4.26%
- Sep 14, 20264.26%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023
3 Year Business Certificate
$500
4.65%
▼
Rate4.55%
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 · 4.10% → 4.65% ▲ 0.55 pts · high 4.65% / low 4.10%
- Oct 6, 20264.65%▲ from 4.10%
- Sep 27, 20264.10%first recorded
Piscataqua Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15 Pleasant St, Portsmouth, NH 03801
3 Year Certificate
$500
4.60%
▼
Rate4.50%
Min Deposit$500
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
1 change since Sep 19, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
- Oct 3, 20264.60%▲ from 4.08%
- Sep 19, 20264.08%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
519 Main St, Kewaunee, WI 54216
Relationship CD - 36 Month
$0
4.60%
▼
Rate4.52%
Min Deposit$0
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
- Sep 24, 20264.60%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
Jumbo IRA Certificate - 3 Year
$0
4.60%
▼
Rate4.51%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Oct 6, 2026 · 4.60% APY · checked 2 times
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1509 4th Ave S, Birmingham, AL 35233 1612
36 Month Certificate
$500
4.60%
▼
Rate4.60%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
- Oct 9, 20264.60%▲ from 4.20%
- Sep 14, 20264.20%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 - 36 Months
$0
4.60%
▼
Rate4.51%
Min Deposit$0
UpdatedOct 12, 2026
Details
Penalty: 180 Days1
Rate History
No change since Oct 8, 2026 · 4.60% APY · checked 2 times
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
36 Month IRA Certificate
$0
4.59%
▼
Rate4.50%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Sep 18, 2026 · 4.59% APY · checked 6 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
36 Month IRA Certificate
$0
4.59%
▼
Rate4.50%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Sep 18, 2026 · 4.59% APY · checked 3 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
36 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
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
3 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
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
36 Months Jumbo IRA
$100,000
4.54%
▼
Rate4.45%
Min Deposit$100,000
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
2 changes since Sep 14, 2026 · 4.30% → 4.54% ▲ 0.24 pts · high 4.54% / low 4.30%
- Oct 10, 20264.54%▲ from 4.39%
- Sep 27, 20264.39%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
36 Month Certificate of Deposit
$0
4.52%
▼
Rate4.45%
Min Deposit$0
UpdatedOct 7, 2026
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.27% → 4.52% ▲ 0.25 pts · high 4.52% / low 4.27%
- Oct 7, 20264.52%▲ from 4.27%
- Sep 18, 20264.27%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
36 Months Certificate
$50
4.50%
▼
Rate—
Min Deposit$50
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 9, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
800 Wayne Ave, Chambersburg, PA 17201 3810
36 Month Share Certificate
$0
4.50%
▼
Rate—
Min Deposit$0
UpdatedOct 9, 2026
Details
Balance: $250,000.01+
Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 2 times
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
1831 2nd St, Coralville, IA 52241
IntraFi Network CD 3 Year
$100,000
4.50%
▼
Rate4.39%
Min Deposit$100,000
UpdatedOct 12, 2026
Details
Treasury Rates**: 4.87%
Rate History
No change since Oct 12, 2026 · 4.50% APY
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
36 Month CD
$0
4.50%
▼
Rate4.50%
Min Deposit$0
UpdatedOct 12, 2026
Details
Balance: $10,000+
Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 5 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
36 Month Certificate
$100,000
4.50%
▼
Rate4.45%
Min Deposit$100,000
UpdatedOct 7, 2026
Details
Balance: $100,000 and above
Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 2 times
Credit One Bank, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
6801 S Cimarron Rd, Las Vegas, NV 89113
36 Month High Yield Jumbo CD
$0
4.50%
▼
Rate—
Min Deposit$0
UpdatedOct 7, 2026
Details
Loyalty Rates: 0.05%
Rate History
No change since Sep 27, 2026 · 4.50% APY · checked 5 times
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
3280 N University Ave, Provo, UT 84604
36 Month Business CD
$1,000
4.50%
▼
Rate—
Min Deposit$1,000
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 2 times
Ixonia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
W 1046 Marietta Ave, Ixonia, WI 53036
3-Year CD
$1,000
4.50%
▼
Rate4.43%
Min Deposit$1,000
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
1 change since Sep 20, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 8, 20264.50%▲ from 4.00%
- Sep 20, 20264.00%first recorded
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
2625 CORPORATE Pl, MONTEREY PARK, CA 91754
36 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
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
2300 Texas Ave, Texas City, TX 77590
36 Month Certificate
$1,000
4.50%
▼
Rate4.41%
Min Deposit$1,000
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
1 change since Sep 25, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
- Oct 4, 20264.50%▲ from 4.20%
- Sep 25, 20264.20%first recorded
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
3001 S 82ND AVE, OMAHA, NE 68124
36 Month Share Certificate
$500
4.50%
▼
Rate4.41%
Min Deposit$500
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
1 change since Sep 20, 2026 · 2.50% → 4.50% ▲ 2.00 pts · high 4.50% / low 2.50%
- Oct 8, 20264.50%▲ from 2.50%
- Sep 20, 20262.50%first recorded
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
36 Month Certificate
$50,000
4.50%
▼
Rate4.50%
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 · 4.13% → 4.50% ▲ 0.37 pts · high 4.50% / low 4.13%
- Oct 7, 20264.50%▲ from 4.25%
- Sep 24, 20264.25%▲ from 4.13%
- Sep 14, 20264.13%first recorded
ORNL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
36-Month IRA PROMOTIONAL Certificate
$500
4.50%
▼
Rate4.41%
Min Deposit$500
UpdatedOct 10, 2026
Details
IRA PROMOTIONAL
Rate History
1 change since Sep 18, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 6, 20264.50%▲ from 4.25%
- Sep 18, 20264.25%first recorded
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
36-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 · 3.76% → 4.50% ▲ 0.74 pts · high 4.50% / low 3.76%
- Oct 2, 20264.50%▲ from 3.76%
- Sep 18, 20263.76%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
7007 Broadway Ave, Cleveland, OH 44105
36 Month Bonus CD
$500
4.50%
▼
Rate—
Min Deposit$500
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 4 times
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME 04240
3 Year Certificate
$500
4.50%
▼
Rate4.41%
Min Deposit$500
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
1 change since Sep 25, 2026 · 3.95% → 4.50% ▲ 0.55 pts · high 4.50% / low 3.95%
- Oct 4, 20264.50%▲ from 3.95%
- Sep 25, 20263.95%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
36 Month elite jumbo cd
$250,000
4.50%
▼
Rate—
Min Deposit$250,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 21, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Oct 5, 20264.50%▲ from 4.15%
- Sep 21, 20264.15%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
3 Year Business CD
$5,000
4.50%
▼
Rate—
Min Deposit$5,000
UpdatedOct 9, 2026
Details
Balance: MIN BALANCE - $99,999.99
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
Farmers & Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
210 W Madison St, Waterloo, WI 53594
36 Month Certificate - 10% New Money
$500
4.50%
▼
Rate4.50%
Min Deposit$500
UpdatedOct 12, 2026
Details
10 for 10 Special; Certificates only (No IRA or HSA); 10% of total CD amount must be funds from another financial institution; Compounding: Annually
Rate History
No change since Oct 12, 2026 · 4.50% APY
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
503 W Plane St, Bethel, OH 45106
36 Month Certificate of Deposit
$5,000
4.50%
▼
Rate4.40%
Min Deposit$5,000
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
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
3 Year Certificate
$90,000
4.49%
▼
Rate4.40%
Min Deposit$90,000
UpdatedOct 12, 2026
Details
Jumbo/Min. $90,000
Rate History
No change since Oct 8, 2026 · 4.49% APY · checked 2 times
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
243 E 125 N, Morgan, UT 84050
36 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
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3845 Angola Rd, Toledo, OH 43615
36 Month IRA Certificate
$0
4.45%
▼
Rate4.38%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 22, 2026 · 3.80% → 4.45% ▲ 0.65 pts · high 4.45% / low 3.80%
- Oct 10, 20264.45%▲ from 3.80%
- Sep 22, 20263.80%first recorded
Smartypig, by Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
36 Month Certificates of deposit (CDs)
$2,500
4.45%
▼
Rate4.35%
Min Deposit$2,500
UpdatedOct 10, 2026
Details
Balance required to obtain APY: $2,500
Rate History
No change since Oct 10, 2026 · 4.45% APY
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
36 Month Share Certificate
$0
4.45%
▼
Rate4.36%
Min Deposit$0
UpdatedOct 7, 2026
Details
Balance: $1,000
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.45% ▲ 0.30 pts · high 4.45% / low 4.15%
- Sep 27, 20264.45%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
15 S Main St, Deerfield, WI 53531
36 Month Certificate of Deposit, IRA, or HSA
$2,500
4.45%
▼
Rate4.40%
Min Deposit$2,500
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Oct 7, 2026 · 4.45% APY
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
36 Month Certificates of deposit (CDs)
$2,500
4.45%
▼
Rate4.35%
Min Deposit$2,500
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 4.40% → 4.45% ▲ 0.05 pts · high 4.45% / low 4.40%
- Sep 27, 20264.45%▲ from 4.40%
- Sep 18, 20264.40%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
241 E Saginaw St, East Lansing, MI 48823
36 Month Certificate of Deposit
$0
4.45%
▼
Rate4.38%
Min Deposit$0
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
2 changes since Sep 18, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
- Oct 2, 20264.45%▲ from 4.30%
- Sep 24, 20264.30%▲ from 4.00%
- Sep 18, 20264.00%first recorded
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
15750 W Dodge Rd, Omaha, NE 68118
36 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
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
687 Lincoln St, Galesburg, IL 61401
36 Month Share Certificate
$0
4.45%
▼
Rate4.36%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 2.75% → 4.45% ▲ 1.70 pts · high 4.45% / low 2.75%
- Oct 10, 20264.45%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Atomic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
711 Beaver Creek Rd, Piketon, OH 45661
36 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
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
4091 Mount Royal Blvd, Allison Park, PA 15101
Business 3 Year CD
$0
4.44%
▼
Rate4.35%
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
2 changes since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
- Oct 8, 20264.44%▲ from 4.23%
- Sep 24, 20264.23%▲ from 4.18%
- Sep 14, 20264.18%first recorded
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
8310 O St, Lincoln, NE 68510
36 Month Certificate
$1,000
4.42%
▼
Rate—
Min Deposit$1,000
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 30, 2026 · 3.99% → 4.42% ▲ 0.43 pts · high 4.42% / low 3.99%
- Oct 6, 20264.42%▲ from 3.99%
- Sep 30, 20263.99%first recorded
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
2309 Montgomery St, Fort Worth, TX 76107 4520
36-Month IRA Share CD
$0
4.41%
▼
Rate4.32%
Min Deposit$0
UpdatedOct 10, 2026
Details
IRA
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.41% ▲ 0.49 pts · high 4.41% / low 3.92%
- Oct 10, 20264.41%▲ from 3.92%
- Sep 14, 20263.92%first recorded
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
11 W Ridgely Rd, Lutherville, MD 21093
36 Month CD Online and In Branch
$500
4.40%
▼
Rate4.31%
Min Deposit$500
UpdatedOct 7, 2026
Details
No additional deposits after initial deposit.
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Oct 7, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1868 S 500 W, Woods Cross, UT 84010
36 Month Certificate
$500
4.40%
▼
Rate4.31%
Min Deposit$500
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
417 High St, Frankfort, KY 40601
36 Month Certificate
$500
4.40%
▼
Rate4.31%
Min Deposit$500
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Oct 6, 2026 · 4.40% APY · checked 2 times
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
10461 White Granite Dr, Oakton, VA 22124
3 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
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
Simple CDs - 36 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
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 - 36-Month
$2,000
4.40%
▼
Rate—
Min Deposit$2,000
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 2 times
Landmark Credit Union WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
2400 N Grandview Blvd, Waukesha, WI 53188
3 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
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
36 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
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
2115 N Broadway, Santa Ana, CA 92706
36 Month Deferred Compensation Certificate
$50
4.40%
▼
Rate4.31%
Min Deposit$50
UpdatedOct 9, 2026
Details
payroll deposit only
Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 2 times
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2431 E 61st St, Tulsa, OK 74136
36 Month CD
$0
4.40%
▼
Rate—
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
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
3 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
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
341 Englewood Ave, Buffalo, NY 14223 2819
36 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 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
- Oct 12, 20264.40%▲ from 4.25%
- Sep 25, 20264.25%first recorded
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
36 mo Certificate of Deposit
$500
4.39%
▼
Rate4.30%
Min Deposit$500
UpdatedOct 12, 2026
Details
Opening Balance: $10,000 or above; Interest credited Monthly; Fixed
Rate History
No change since Sep 14, 2026 · 4.39% APY · checked 6 times
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
501 Main St, Milligan, NE 68406
36 Month Certificate of Deposit
$0
4.37%
▼
Rate4.30%
Min Deposit$0
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Sep 19, 2026 · 4.37% APY · checked 2 times
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
3030 S Adrian Hwy, Adrian, MI 49221
36 Month CD
$0
4.37%
▼
Rate4.30%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.91% → 4.37% ▲ 0.46 pts · high 4.37% / low 3.91%
- Oct 9, 20264.37%▲ from 3.91%
- Sep 14, 20263.91%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
1 Commerce St, Poughkeepsie, NY 12603
Share & IRA Certificates - 36 months
$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
New Heights Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
72 E 700 N, Logan, UT 84321
36 Month CD
$5,000
4.35%
▼
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 · 4.35% APY
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
121 S Marion Ave, Washington, IA 52353
36 Month CD Specials
$225,000
4.35%
▼
Rate4.28%
Min Deposit$225,000
UpdatedOct 12, 2026
Details
Deposit Amount: $225,000.00 and above; Compounding: Quarterly
Rate History
No change since Oct 3, 2026 · 4.35% APY · checked 3 times
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 (3 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
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
1617 W 7th St, Fort Worth, TX 76102
36 Month Jumbo CD
$50,000
4.35%
▼
Rate4.27%
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 · 4.35% APY · checked 4 times
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
200 W Main St, Washington, MO 63090
36 Month CD or IRA CD
$500
4.35%
▼
Rate4.28%
Min Deposit$500
UpdatedOct 7, 2026
Details
Interest paid quarterly
Rate History
No change since Sep 8, 2026 · 4.35% APY · checked 8 times
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 - 36 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
3 Year 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
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
203 Main St, Thomaston, CT 06787
36 Month Business Certificate of Deposit - Fixed Rate
$1,000
4.35%
▼
Rate4.27%
Min Deposit$1,000
UpdatedOct 11, 2026
Details
Interest Rate $1,000 - $249,999.99 Daily balance to earn APY
Rate History
1 change since Sep 19, 2026 · 3.40% → 4.35% ▲ 0.95 pts · high 4.35% / low 3.40%
- Oct 7, 20264.35%▲ from 3.40%
- Sep 19, 20263.40%first recorded
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1023 Medical Dr, Brigham City, UT 84302 3049
Certificate - 36-Month
$0
4.35%
▼
Rate4.35%
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Oct 12, 2026 · 4.35% APY
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3777 West Rd, East Lansing, MI 48823 8029
3-Year Certificate or IRA-HSA Jumbo
$100,000
4.35%
▼
Rate—
Min Deposit$100,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Sep 25, 20264.35%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
147 26th st, Ogden, UT 84401
36 Month Certificate
$500
4.35%
▼
Rate4.27%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 5, 20264.35%▲ from 4.15%
- Sep 14, 20264.15%first recorded
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 25-36 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
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
1111 Country Club Rd, Middletown, CT 06457 2389
36 Month Certificate
$0
4.33%
▼
Rate4.25%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.33% ▲ 0.31 pts · high 4.33% / low 4.02%
- Oct 9, 20264.33%▲ from 4.02%
- Sep 14, 20264.02%first recorded
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
3 Year Certificate
$1,000
4.33%
▼
Rate4.24%
Min Deposit$1,000
UpdatedOct 11, 2026
Details
Early Withdrawal Penalty: 6 Month Interest
Rate History
1 change since Sep 14, 2026 · 3.21% → 4.33% ▲ 1.12 pts · high 4.33% / low 3.21%
- Oct 7, 20264.33%▲ from 3.21%
- Sep 14, 20263.21%first recorded
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
36-Month CD
$50,000
4.33%
▼
Rate4.25%
Min Deposit$50,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.33% ▲ 0.58 pts · high 4.33% / low 3.75%
- Oct 5, 20264.33%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
8916 Sabal Industrial Blvd, Tampa, FL 33619
36 Month Jumbo Certificates
$100,000
4.32%
▼
Rate4.25%
Min Deposit$100,000
UpdatedOct 10, 2026
Details
Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.
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
36 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
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
1419 N 2nd St, Ishpeming, MI 49849 1149
36 Month Jumbo Share Certificates
$100,000
4.32%
▼
Rate4.25%
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 · 3.96% → 4.32% ▲ 0.36 pts · high 4.32% / low 3.96%
- Oct 4, 20264.32%▲ from 3.96%
- Sep 12, 20263.96%first recorded
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
3988 West Delphi Road, Sweetser, IN 46987
36 Month Certificate of Deposit
$1,000
4.32%
▼
Rate4.25%
Min Deposit$1,000
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
2 changes since Sep 11, 2026 · 3.03% → 4.32% ▲ 1.29 pts · high 4.32% / low 3.03%
- Oct 3, 20264.32%▲ from 3.80%
- Sep 24, 20263.80%▲ from 3.03%
- Sep 11, 20263.03%first recorded
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
8929 Shoal Creek Blvd, Austin, TX 78757
36-Month Super Jumbo Certificate
$225,000
4.32%
▼
Rate4.25%
Min Deposit$225,000
UpdatedOct 12, 2026
Details
Balance: $225,000 or greater
Rate History
1 change since Sep 14, 2026 · 4.16% → 4.32% ▲ 0.16 pts · high 4.32% / low 4.16%
- Oct 4, 20264.32%▲ from 4.16%
- Sep 14, 20264.16%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
36 Month Term Share (Certificate) / IRA
$0
4.31%
▼
Rate4.23%
Min Deposit$0
UpdatedOct 7, 2026
Details
Balance: $99,000 and over
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.31% ▲ 0.41 pts · high 4.31% / low 3.90%
- Oct 2, 20264.31%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Citizens Bank & Trust Company KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
201 E Main St, Campbellsville, KY 42718
3 Year Certificate of Deposit
$500
4.30%
▼
Rate4.30%
Min Deposit$500
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Sep 20, 2026 · 4.30% APY · checked 6 times
Iowa State Bank Clarksville, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
100 N Main St, Clarksville, IA 50619
36 Month CD
$5,000
4.30%
▼
Rate4.25%
Min Deposit$5,000
UpdatedOct 11, 2026
Details
Limited Time Only
Rate History
No change since Oct 3, 2026 · 4.30% APY · checked 3 times
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
3012 S 1900 W, Ogden, UT 84401
36 Month Share Certificate
$500
4.30%
▼
Rate4.21%
Min Deposit$500
UpdatedOct 9, 2026
Details
Paid Monthly
Rate History
1 change since Sep 21, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
- Oct 9, 20264.30%▲ from 4.15%
- Sep 21, 20264.15%first recorded
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
19 Church St, Winchester, MA 01890
36 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
36 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
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
36 Months CD
$0
4.30%
▼
Rate4.22%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.30% ▲ 0.65 pts · high 4.30% / low 3.65%
- Oct 10, 20264.30%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
2133 E Center St, Pocatello, ID 83201 2616
Share Certificates - 36 months
$0
4.30%
▼
Rate4.23%
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Oct 12, 2026 · 4.30% APY
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
2929 3rd Ave N, Escanaba, MI 49829 4203
36 Month Certificate
$500
4.30%
▼
Rate—
Min Deposit$500
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Sep 16, 2026 · 4.30% APY · checked 5 times
CorTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
26 W 7th Ave, Webster, SD 57274
3 Year Certificate
$500
4.30%
▼
Rate4.23%
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
Citizens State Bank Sealy, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
222 Main St, Sealy, TX 77474
36 Month CD
$0
4.30%
▼
Rate—
Min Deposit$0
UpdatedOct 12, 2026
Details
Annual Percentage Yield. The stated APY is accurate as of 9/21/2026. Penalties may apply. Fees may reduce earnings.
Rate History
No change since Sep 28, 2026 · 4.30% APY · checked 4 times
Central Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
300 W Vine St, Lexington, KY 40507
Certificate of Deposit - 3 Years
$500
4.30%
▼
Rate4.21%
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
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
36 Month Certificates & IRA Certificates
$0
4.30%
▼
Rate4.30%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 9, 2026 · 4.30% APY
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
3 Year Certificate
$500
4.29%
▼
Rate4.20%
Min Deposit$500
UpdatedOct 9, 2026
Details
Credit Quarterly Compound Daily
Rate History
No change since Oct 9, 2026 · 4.29% APY
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1919 7th Ave, Altoona, PA 16602 2237
36 Month Traditional IRA Share Certificate
$0
4.28%
▼
Rate4.20%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.28% ▲ 0.67 pts · high 4.28% / low 3.61%
- Oct 9, 20264.28%▲ from 3.61%
- Sep 14, 20263.61%first recorded
MassMutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1295 State St, Springfield, MA 01111
36 Month Jumbo Share Certificate
$0
4.28%
▼
Rate4.20%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.28% ▲ 0.68 pts · high 4.28% / low 3.60%
- Oct 5, 20264.28%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Greenfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
400 Main St, Greenfield, MA 01301
36 Month Certificate
$1,000
4.28%
▼
Rate4.20%
Min Deposit$1,000
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
1 change since Sep 19, 2026 · 3.30% → 4.28% ▲ 0.98 pts · high 4.28% / low 3.30%
- Oct 3, 20264.28%▲ from 3.30%
- Sep 19, 20263.30%first recorded
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
3 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
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
296 E CENTER STREET, MONTICELLO, UT 84535
36 Month Certificate
$500
4.27%
▼
Rate4.20%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 3.55% → 4.27% ▲ 0.72 pts · high 4.27% / low 3.55%
- Oct 5, 20264.27%▲ from 3.55%
- Sep 18, 20263.55%first recorded
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1929 S Cedar Ave, Owatonna, MN 55060 4301
36 Month Certificate
$0
4.26%
▼
Rate4.20%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.16% → 4.26% ▲ 0.10 pts · high 4.26% / low 4.16%
- Oct 9, 20264.26%▲ from 4.16%
- Sep 14, 20264.16%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
Certificate IRA (Traditional & Roth) - 36 Month
$0
4.26%
▼
Rate4.19%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Oct 10, 2026 · 4.26% APY
VisionBank Saint Louis Park, MN
Institution Rating:
B4.4 ★Texas Ratio: 21.92%
3059 Joppa Ave S, Saint Louis Park, MN 55416
36 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
Ashland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1300 CENTRAL AVE, ASHLAND, KY 41101 7550
Traditional/Roth IRA Share Certificate - 36 Month
$35,000
4.25%
▼
Rate4.17%
Min Deposit$35,000
UpdatedOct 9, 2026
Details
Standard Dividend Rate: 3.930%, Standard *A.P.Y.: 4.00%. Minimum balance required to open account and earn the stated APY= $1,000/Standard. $35,000/Jumbo. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.
Rate History
No change since Oct 9, 2026 · 4.25% APY
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
36 Month Certificate
$500
4.25%
▼
Rate4.16%
Min Deposit$500
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
- Sep 18, 20264.25%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
36 Month Jumbo Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 5 times
Midwest Bank Detroit Lakes, MN
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
105 E Soo St, Parkers Prairie, MN 56361
36 Month CD
$25,000
4.25%
▼
Rate4.18%
Min Deposit$25,000
UpdatedOct 10, 2026
Details
Term: 36 Month ($25,000 or more)
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 22, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
36 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 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- Oct 1, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
214 Oil Well Rd, Jackson, TN 38305 7914
12/24/36 Month Certificate Special
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
UpdatedOct 9, 2026
Details
New money only (not on deposit within last 30 days). Compounded monthly.
Rate History
No change since Oct 9, 2026 · 4.25% APY
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
508 State St, Fremont, MI 49412
36 Month Share Certificates
$0
4.25%
▼
Rate4.17%
Min Deposit$0
UpdatedOct 12, 2026
Details
Rates effective October 1, 2026
Rate History
No change since Sep 12, 2026 · 4.25% APY · checked 5 times
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
300 Arneill Rd, Camarillo, CA 93010
3 Year Term Share Certificate
$500
4.25%
▼
Rate4.17%
Min Deposit$500
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
1 change since Sep 25, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 4, 20264.25%▲ from 3.75%
- Sep 25, 20263.75%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
610 SW 10th Ave, Topeka, KS 66612
36 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
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
36 Month Certificate
$500
4.25%
▼
Rate4.16%
Min Deposit$500
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00%
- Oct 6, 20264.25%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
23910 Railroad Ave, Plaquemine, LA 70764
36 Month View Today's Full List of CD Offerings here
$100,000
4.25%
▼
Rate—
Min Deposit$100,000
UpdatedOct 11, 2026
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
36 Month Certificate
$500
4.25%
▼
Rate4.18%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 7 times
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2890 Transit Rd, Newfane, NY 14108 9740
36 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
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
310 E Graham Ave, Pryor, OK 74361
Certificates of Deposit (CDs) - 36 month
$1,000
4.25%
▼
Rate—
Min Deposit$1,000
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
815 N Freedom Blvd, Provo, UT 84604 3315
36 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
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
110 W Oklahoma Ave, Anadarko, OK 73005
36 Month IRA
$0
4.25%
▼
Rate4.18%
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 3 times
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
36 Month Certificate
$0
4.25%
▼
Rate4.18%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 9, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
First National Bank of Pulaski
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
206 S 1st St, Pulaski, TN 38478
36 Month Certificate of Deposit
$10,000
4.25%
▼
Rate—
Min Deposit$10,000
UpdatedOct 7, 2026
Details
Term: 36 Months CD with 1x Bump; You may exercise a one-time rate bump during the CD term, the new rate will be determined by the book rate for a 36 month CD and effective for the remaining CD term. Member FDIC.
Rate History
No change since Sep 29, 2026 · 4.25% APY · checked 4 times
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
675 E 100 N, Price, UT 84501
36 Month Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Oct 5, 20264.25%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Cornerstone Capital Bank, SSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1177 West Loop S, Houston, TX 77027
Consumer 36 Month CD
$500
4.25%
▼
Rate4.17%
Min Deposit$500
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 24, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
7288 Highway 509, Mansfield, LA 71052
36 Month Share Certificate/IRA Share Certificate
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
UpdatedOct 12, 2026
Details
Minimum opening deposit is $1,000; Rates effective as of 10/6/2026
Rate History
No change since Oct 12, 2026 · 4.25% APY
Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2514 Via Tejon, Palos Verdes Peninsula, CA 90274
3 Year Online CD
$25,000
4.25%
▼
Rate—
Min Deposit$25,000
UpdatedOct 12, 2026
Details
Compounded Daily; Early Withdrawal Penalty
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 28, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4926 La Cuenta Dr, San Diego, CA 92124 2609
36 Month Share Certificate
$0
4.25%
▼
Rate4.18%
Min Deposit$0
UpdatedOct 5, 2026
Details
No additional details available.
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 5 times
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1515 Hoopes Ave, Idaho Falls, ID 83404
36 Month Certificate
$500
4.25%
▼
Rate4.25%
Min Deposit$500
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Oct 10, 2026 · 4.25% APY
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
13907 S Minuteman Dr, Draper, UT 84020
3 Year CD
$1,000
4.25%
▼
Rate—
Min Deposit$1,000
UpdatedOct 12, 2026
Details
$1000 minimum balance is required to open the account and obtain the advertised APY. Early Withdrawal Penalty applies. Fees may reduce earnings. APY is Annual Percentage Yield. Displayed rates are accurate as of October 1, 2026. $15 outgoing wire fee. See Disclaimer. For terms more than 2 years and up to 5 years, the penalty is 365 days' simple interest.
Rate History
1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 3, 20264.25%▲ from 4.00%
- Sep 20, 20264.00%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
Share Certificate - 36 Month
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
UpdatedOct 12, 2026
Details
Minimum to open $1,000.00
Rate History
No change since Oct 12, 2026 · 4.25% APY
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1512 Gause Blvd, Slidell, LA 70458
3-Year Regular Certificate or IRA Certificate
$10,000
4.25%
▼
Rate—
Min Deposit$10,000
UpdatedOct 12, 2026
Details
Deposit: $10,000+
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
36-MONTH CD
$0
4.25%
▼
Rate4.16%
Min Deposit$0
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
419 Rutherford Ave NE, Roanoke, VA 24022
3 Year Term IRA Certificate
$500
4.25%
▼
Rate4.18%
Min Deposit$500
UpdatedOct 10, 2026
Details
Minimum: $500 minimum opening balance
Rate History
No change since Oct 10, 2026 · 4.25% APY
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
175 Hopper Ave, De Kalb, MS 39328
Business 36 Months
$0
4.25%
▼
Rate—
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
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Regular, IRA & Business Jumbo Certificates - 3 years
$0
4.24%
▼
Rate4.16%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 3.91% → 4.24% ▲ 0.33 pts · high 4.24% / low 3.91%
- Oct 1, 20264.24%▲ from 3.91%
- Sep 18, 20263.91%first recorded
Seaport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
5080 McLester St, Elizabeth, NJ 07201
36 Month Certificate
$500
4.23%
▼
Rate4.15%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 9, 2026 · 4.23% APY
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
211 W Center St, Alma, MI 48801 2206
36 Month Certificate
$0
4.23%
▼
Rate4.15%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Oct 9, 20264.23%▲ from 3.82%
- Sep 18, 20263.82%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (3 year)
$25,001
4.23%
▼
Rate4.15%
Min Deposit$25,001
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Sep 21, 2026 · 4.23% APY · checked 5 times
Libertyone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
4050 Alpha Rd Ste 120, Farmers Branch, TX 75244
36 Month Jumbo or IRA CD
$25,000
4.23%
▼
Rate4.15%
Min Deposit$25,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 9, 2026 · 4.23% APY
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
777 E Main St, Torrington, CT 06790 3915
36 Month Regular/IRA Share Certificate
$0
4.23%
▼
Rate4.15%
Min Deposit$0
UpdatedOct 9, 2026
Details
Balance: $500 Minimum Balance Required
Rate History
1 change since Sep 18, 2026 · 3.56% → 4.23% ▲ 0.67 pts · high 4.23% / low 3.56%
- Oct 9, 20264.23%▲ from 3.56%
- Sep 18, 20263.56%first recorded
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
10903 New Hampshire Ave, Silver Spring, MD 20993
36 Month Share Certificate
$1,000
4.23%
▼
Rate4.15%
Min Deposit$1,000
UpdatedOct 12, 2026
Details
APY is based on a $1,000 deposit and may vary based on the amount of deposit.
Rate History
1 change since Sep 25, 2026 · 3.66% → 4.23% ▲ 0.57 pts · high 4.23% / low 3.66%
- Oct 4, 20264.23%▲ from 3.66%
- Sep 25, 20263.66%first recorded
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
489 BOSTON TPKE, SHREWSBURY, MA 01545
36 Month Certificate
$0
4.23%
▼
Rate4.15%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Sep 24, 20264.23%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Adams County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
401 N Smith Ave, Kenesaw, NE 68956
36 Month Certificate of Deposit (CD)
$0
4.22%
▼
Rate4.15%
Min Deposit$0
UpdatedOct 11, 2026
Details
Balance: >= $150,000
Rate History
1 change since Sep 14, 2026 · 2.88% → 4.22% ▲ 1.34 pts · high 4.22% / low 2.88%
- Sep 24, 20264.22%▲ from 2.88%
- Sep 14, 20262.88%first recorded
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3251 BROADWAY St, CHEEKTOWAGA, NY 14227 1033
Share Certificates - 3 years
$0
4.22%
▼
Rate4.15%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 9, 2026 · 4.22% APY
Foresight Bank
Institution Rating:
C-3.7 ★Texas Ratio: 31.20%
138 W Broadway, Plainview, MN 55964
36 Month Certificate of Deposit
$500
4.22%
▼
Rate4.15%
Min Deposit$500
UpdatedOct 7, 2026
Details
Balance: $100,000 and over
Rate History
No change since Sep 19, 2026 · 4.22% APY · checked 6 times
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
316 E Bremer Ave, Waverly, IA 50677
36 Month Raise-A-Rate
$5,000
4.21%
▼
Rate4.17%
Min Deposit$5,000
UpdatedOct 11, 2026
Details
No additional details available.
Rate History
1 change since Oct 7, 2026 · 4.00% → 4.21% ▲ 0.21 pts · high 4.21% / low 4.00%
- Oct 11, 20264.21%▲ from 4.00%
- Oct 7, 20264.00%first recorded
Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
3800 Sheppard Access Rd, Wichita Falls, TX 76306
3 Year Share Certificate
$0
4.20%
▼
Rate4.11%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 2.79% → 4.20% ▲ 1.42 pts · high 4.20% / low 2.79%
- Oct 9, 20264.20%▲ from 2.79%
- Sep 18, 20262.79%first recorded
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
225 RIVER RD, MEXICO, ME 04257
36 Month Certificate
$1,000
4.20%
▼
Rate—
Min Deposit$1,000
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
1 change since Sep 25, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
- Oct 4, 20264.20%▲ from 3.90%
- Sep 25, 20263.90%first recorded
Spring Bank Brookfield, WI
Institution Rating:
B4.6 ★Texas Ratio: 20.13%
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Business 3 Year Certificate of Deposit
$100,000
4.20%
▼
Rate4.14%
Min Deposit$100,000
UpdatedOct 12, 2026
Details
Interest Compounded: Quarterly; Interest Credited: Quarterly
Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
156 Spring St, West Roxbury, MA 02132
36 Month Certificate
$1,000
4.20%
▼
Rate4.12%
Min Deposit$1,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 9, 2026 · 4.20% APY
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
4185 Harrison Blvd, Ogden, UT 84403
36 Month CD
$1,000
4.20%
▼
Rate—
Min Deposit$1,000
UpdatedOct 7, 2026
Details
No additional details available.
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
36 Month IRA CD
$0
4.20%
▼
Rate4.12%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 9, 2026 · 4.20% APY
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
280 E 12300 S, Draper, UT 84020
Certificates / IRA Certificates / Roth IRA Certificates - 36 months
$0
4.20%
▼
Rate4.12%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
- Oct 5, 20264.20%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Bank of Cashton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
724 Front St, Cashton, WI 54619
3 Year CD
$1,000
4.20%
▼
Rate4.14%
Min Deposit$1,000
UpdatedOct 11, 2026
Details
A penalty of 182 days of interest may be imposed for all other CD terms unless specified differently. APY is subject to change without prior notice.
Rate History
1 change since Sep 14, 2026 · 3.45% → 4.20% ▲ 0.75 pts · high 4.20% / low 3.45%
- Oct 3, 20264.20%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
520 N Church St, Spartanburg, SC 29303 3034
36 Month Thirty-Six Month Term Share Certificate
$0
4.20%
▼
Rate4.13%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
No change since Oct 5, 2026 · 4.20% APY · checked 2 times
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
36 Month Jumbo Certificates
$0
4.20%
▼
Rate4.13%
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
- Oct 4, 20264.20%▲ from 3.70%
- Sep 14, 20263.70%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
36 Month Premium Certificate of Deposit
$0
4.20%
▼
Rate—
Min Deposit$0
UpdatedOct 10, 2026
Details
Balance: $75,000+
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
725 N Main St, Moab, UT 84532 2132
3 year CD
$500
4.20%
▼
Rate4.13%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Oct 9, 20264.20%▲ from 4.15%
- Sep 29, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
654 SOUTHWAY AVE, LEWISTON, ID 83501
36 Month Certificate
$0
4.20%
▼
Rate—
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
- Oct 10, 20264.20%▲ from 3.75%
- Sep 14, 20263.75%first recorded
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
2665 Reserve Rd, Houghton Lake, MI 48629
36 MONTH CD
$50,000
4.20%
▼
Rate—
Min Deposit$50,000
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
- Oct 9, 20264.20%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
3876 W Center view Way, West Jordan, UT 84084
36 month Certificate (CD)
$0
4.20%
▼
Rate4.12%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.20% ▲ 0.05 pts · high 4.20% / low 4.15%
- Sep 25, 20264.20%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Community Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
832 Cleveland St, Elyria, OH 44035 4141
36 Month Certificate/IRA
$500
4.20%
▼
Rate—
Min Deposit$500
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 10, 20264.20%▲ from 3.80%
- Sep 14, 20263.80%first recorded
GREATER TEXAS
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12319 N Mopac Expy, Austin, TX 78758
36 Month IRA Term Share Accounts/Certificates of Deposit
$95,000
4.20%
▼
Rate4.11%
Min Deposit$95,000
UpdatedOct 10, 2026
Details
Balance: $95,000+; JUMBO
Rate History
1 change since Sep 22, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
- Oct 10, 20264.20%▲ from 3.90%
- Sep 22, 20263.90%first recorded
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Park Ave, Worcester, MA 01609
36 Months Jumbo CD
$0
4.20%
▼
Rate—
Min Deposit$0
UpdatedOct 10, 2026
Details
Jumbo CD - min $50,000. A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 30, 2026 · 4.20% APY · checked 3 times
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
3003 2nd St, Rainbow City, AL 35906 5979
36 Months Share Certificate
$500
4.20%
▼
Rate4.14%
Min Deposit$500
UpdatedOct 10, 2026
Details
36 Months*
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
36 Month Super Share & IRA Certificate
$0
4.20%
▼
Rate4.12%
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
No change since Oct 12, 2026 · 4.20% APY
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
3000 N University Dr, Sunrise, FL 33322 1611
36 Month Term Jumbo Certificate
$0
4.20%
▼
Rate4.12%
Min Deposit$0
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
- Oct 10, 20264.20%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
36 Month Investment Certificates
$500
4.20%
▼
Rate4.13%
Min Deposit$500
UpdatedOct 9, 2026
Details
Minimum: $500 Minimum
Rate History
1 change since Sep 18, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 9, 20264.20%▲ from 3.80%
- Sep 18, 20263.80%first recorded
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
94 HIGHLAND AVE, WINTHROP, ME 04364
36 Month Share Certificate
$500
4.19%
▼
Rate4.10%
Min Deposit$500
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 22, 2026 · 3.71% → 4.19% ▲ 0.48 pts · high 4.19% / low 3.71%
- Oct 6, 20264.19%▲ from 3.71%
- Sep 22, 20263.71%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
36 Month Certificates and IRA Certificates
$100,000
4.18%
▼
Rate4.10%
Min Deposit$100,000
UpdatedOct 9, 2026
Details
APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
No change since Oct 9, 2026 · 4.18% APY
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
IRA 36 Month Certificate
$0
4.18%
▼
Rate—
Min Deposit$0
UpdatedOct 10, 2026
Details
Jumbo IRA
Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 6 times
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
1425 E WINDMILL LN, LAS VEGAS, NV 89123 1901
36 Month Level Up Certificates and IRA Certificates
$500
4.18%
▼
Rate4.10%
Min Deposit$500
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
No change since Oct 10, 2026 · 4.18% APY
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
5121 Whiteford Rd, Sylvania, OH 43560
36 Month Certificate
$500
4.18%
▼
Rate4.10%
Min Deposit$500
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
- Oct 9, 20264.18%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
14205 W FM 174, WINDTHORST, TX 76389
3 Year Share Certificate
$1,000
4.18%
▼
Rate4.10%
Min Deposit$1,000
UpdatedOct 9, 2026
Details
Dividend Paid Monthly; Check Disbursement; Transfer to Shares; Roll Back to Certificate
Rate History
No change since Oct 9, 2026 · 4.18% APY
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
253 High St, Hartford, CT 06103
3 Year Term Share Certificate
$0
4.18%
▼
Rate4.10%
Min Deposit$0
UpdatedOct 12, 2026
Details
Effective 10/01/2026
Rate History
1 change since Sep 25, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
- Oct 4, 20264.18%▲ from 3.87%
- Sep 25, 20263.87%first recorded
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo - 36 Month to 47 Month
$0
4.17%
▼
Rate4.11%
Min Deposit$0
UpdatedOct 9, 2026
Details
No additional details available.
Rate History
1 change since Oct 5, 2026 · 4.12% → 4.17% ▲ 0.05 pts · high 4.17% / low 4.12%
- Oct 9, 20264.17%▲ from 4.12%
- Oct 5, 20264.12%first recorded
B M S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1 Squibb Dr, New Brunswick, NJ 08901 1588
3 Year Share Certificates
$0
4.17%
▼
Rate4.10%
Min Deposit$0
UpdatedOct 12, 2026
Details
Amount: $1,000; APR/APY printed as range 4.10% - 4.17%
Rate History
No change since Oct 12, 2026 · 4.17% APY
Firefighters And Company Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
338 S Patterson Blvd, Dayton, OH 45402 2845
36 Month Share Certificate
$0
4.16%
▼
Rate4.08%
Min Deposit$0
UpdatedOct 12, 2026
Details
No additional details available.
Rate History
2 changes since Sep 25, 2026 · 4.16% → 4.16% ▼ 0.00 pts · high 4.19% / low 4.16%
- Oct 12, 20264.16%▼ from 4.19%
- Oct 8, 20264.19%▲ from 4.16%
- Sep 25, 20264.16%first recorded
Scenic Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
4503 Hixson Pike, Hixson, TN 37343
36 Months Certificate
$500
4.16%
▼
Rate4.10%
Min Deposit$500
UpdatedOct 10, 2026
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.03% → 4.16% ▲ 1.13 pts · high 4.16% / low 3.03%
- Oct 10, 20264.16%▲ from 3.03%
- Sep 14, 20263.03%first recorded
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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.
6,301
36-Month CD Rates
Tracked Nationwide
Tracked Nationwide
3,154 Institutions
About Our 36-month CD Rate Database
MonitorBankRates tracks 6,301 36-month CD rates from 3,154 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: 1st Community Credit Union offers a 36-month CD at 5.13% APY with a minimum deposit of $500. Use the rate table above to compare all current offers.
36-Month CD Rate Trend
Daily national average APY for 36-month CDs
Daily averages compiled from our database of 8,500+ banks and credit unions — updated daily.
36-Month CD — National Avg
2.806%
▲ 0.022 vs 7 days ago
National 36-month CD rates rose 0.022 points over the past 7 days to 2.806% APY, up from 2.784% 7 days ago.
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MonitorBankRates
36-month CD Rate Forecast — Next 12 Months
Where are 36-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
2.806%
6-Month Forecast
2.806%
Range: 2.61% – 2.96%
12-Month Forecast
2.556%
Range: 2.36% – 2.71%
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MonitorBankRates
CD Calculators
36-month CD Calculator
Enter any deposit amount to see exactly how much interest you earn at the end of your 36-month term at today’s top APY.
CD Ladder with 36 months RungUse a 3-year CD as a higher-yield anchor in your ladder. Model how combining it with 12 and 24-month terms creates a steady stream of maturing funds while maximizing long-term yield.
Early Withdrawal Penalty36-month CDs typically carry a 180–365 days interest penalty for early access. Calculate your actual net return if you need funds before maturity.
36-month CD vs. High-Yield Savings3-year CD rates typically offer a meaningful premium over savings accounts. Compare both to see if the 3-year lock-up is justified by the higher fixed APY.
How to Find the Best 36-month CD Rates
What to compare when shopping for a 36-month CD
To find the best APYs on a 36-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 36-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 36-month CD Makes Sense
- You have a planned purchase or expense in ~36 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 a higher rate than 1 or 2-year CDs offer and can commit savings for a full 3-year term
- 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
36-month CD vs. Other Savings Options
| Feature | 36-month CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked 36 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 |
36-Month CD FAQs
What is a 36-Month (3-Year) Certificate of Deposit?
A 36-month CD is a savings account that holds a fixed amount of money for three years. In exchange for that commitment, banks typically offer a higher fixed interest rate than shorter-term savings products.
How do 3-year CD rates compare to shorter-term CDs?
In a normal yield curve environment, 3-year CDs offer higher rates than 1- or 2-year CDs. In an inverted or flat yield curve, shorter terms can sometimes match or exceed longer ones, so compare all available terms before deciding.
Is my money safe in a 36-month CD?
Yes. CDs at FDIC-insured banks or NCUA-insured credit unions are insured up to $250,000 per depositor, per institution, giving you full principal protection up to that limit.
What happens if I withdraw money from a 3-year CD early?
Early withdrawal penalties on 36-month CDs are typically steeper than on shorter-term CDs, often equivalent to 6 to 12 months of interest. Review the specific penalty terms at your chosen institution before opening.
What is APY and why does it matter for a 3-year CD?
APY (Annual Percentage Yield) accounts for compounding and reflects the true annual return on your deposit. Over a 3-year term, even small APY differences compound into meaningful earnings differences.
Is a 36-month CD a good choice if interest rates might rise?
If you expect rates to rise significantly, a 3-year CD locks you in at today's rate. A CD ladder spreading deposits across multiple terms is a common hedge, letting you reinvest shorter-term CDs at higher rates if the market moves up.
How can I use a 36-month CD in a CD ladder?
A 36-month CD anchors the longer end of a CD ladder. Combine it with 12-month and 24-month CDs so you have a maturing CD every year. When shorter rungs mature, reinvest them into new 36-month CDs to maintain your ladder while keeping some funds accessible annually.
Is a 36-month CD better than a 24-month CD?
A 36-month CD typically offers a higher APY than a 24-month CD, but commits your funds for an additional year. It makes the most sense when the yield premium over shorter terms is meaningful and you don't anticipate needing the funds for 3 years. If rates are expected to rise, a shorter term gives you more flexibility to reinvest at higher rates.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate 36-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 3-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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