Best Certificate of Deposit (CD) Rates April 2026 Up to 6.17%
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
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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.
If you are looking to maximize your savings, you can compare national CD options like Valley Financial Credit UnionValley Financial Credit Union1541 Custer Ave, Billings, MT 59102A+5.0 ★Texas Ratio: 2.09% offering 12 Month Youth Certificate at 6.17% APY, or La Crosse Burlington Credit UnionLa Crosse Burlington Credit Union1735 Credit Union Ct, La Crosse, WI 54603A+5.0 ★Texas Ratio: 2.48% offering 12-month Youth Saver Certificate at 6.00% APY, or Frontwave Credit UnionFrontwave Credit Union2454 Vista Way, Oceanside, CA 92054A+5.0 ★Texas Ratio: 2.45% offering 12-Month Savers Certificate at 5.50% APY, or Dairyland Power Credit UnionDairyland Power Credit Union3200 East Ave S, La Crosse, WI 54601 7227A+5.0 ★Texas Ratio: 0.00% offering Teenager (Age 13-17) - 12 Month Term Certificates at 5.50% APY. CD rates as of April 19, 2026 according to verified data from MonitorBankRates.
Finding the best CD rate is one of the safest ways to grow your savings. Unlike variable accounts, a CD lets you lock in a high APY for a specific term, protecting your return from market fluctuations. We empower savers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can choose a stable, highly-rated institution with confidence.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution’s discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 19, 2026
Compare the Best CD Rates Nationwide
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
725 N Main St, Moab, UT 84532 2132
3 month Super CD
$0
4.20%
▼
Rate4.13%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
***
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
181 Main St, West Concord, MN 55985
3 Month Fixed CD
$250
4.16%
▼
Rate4.10%
Min Deposit$250
Min Balance—
UpdatedApr 17, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25)
Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
851 Allwood Rd, Clifton, NJ 07012
3 Month Share Certificate Special
$0
4.12%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
15 S Main St, Deerfield, WI 53531
90 Day Certificate of Deposits & IRAs
$1,000
4.11%
▼
Rate4.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 2, 2026
Details
No additional details available.
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
3 Month Certificate Accounts and IRA Certificates
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
3-Month Certificate
$1,000
4.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
Limited time offer
Peoples Bank Lebanon, KY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
265 Old Springfield Rd, Lebanon, KY 40033
3 Month CD
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
No additional details available.
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2605 Washington Blvd, Ogden, UT 84401
Certificate of Deposit 3-Month Term
$0
4.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details
No additional details available.
Ravalli County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
501 N 1st St, Hamilton, MT 59840 2129
3 Month Youth Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Available to members who are 18 years old or younger.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1224 4th Ave S, Park Falls, WI 54552 1923
Share Certificate Special Youth Accounts 6 Month
$100
5.06%
▼
Rate5.00%
Min Deposit$100
Min Balance—
UpdatedApr 8, 2026
Details
Teen Cents Club Junior Savers Kangaroo Kids Club Minimum $100.00 Maximum $5,000.00 (Aggregate)
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6310 Dixie Hwy, Bridgeport, MI 48722
6 month - 4H or FFA CD
$0
5.05%
▼
Rate4.93%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Amount of 4H or FFA Check; Max $5,000
Central Vermont Medical Centerinc CU
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
130 Fisher Rd, Berlin, VT 05602
New 6 month CD Special
$0
5.00%
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Must be funded by new money not currently on deposit
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6310 Dixie Hwy, Bridgeport, MI 48722
6 Month Youth CD
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Jefferson Financial Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.76%
7701 Airline Dr, Metairie, LA 70003 6228
6 Month Share & IRA Certificate
$0
5.00%
▼
Rate4.94%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Promotional rate. Subject to change. Max $50,000 per certificate.
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
6 Month Share Certificates
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Bonus Rate
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2602 Pass Rd, Biloxi, MS 39531 2728
6 Month Share & IRA Certificate
$0
5.00%
▼
Rate4.94%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Promotional rate. Subject to change. Max $50,000 per certificate.
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6310 Dixie Hwy, Bridgeport, MI 48722
6 month SmartStart Youth CD
$100
5.00%
▼
Rate4.88%
Min Deposit$100
Min Balance—
UpdatedApr 19, 2026
Details
Available for members under the age of 21; $100 - $2,000; 1 per member
Astera Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
111 S Waverly Rd, Lansing, MI 48917
6-mo. CD Special
$0
4.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
90th anniversary offer!
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI 49548 2306
6-Month CD Special
$0
4.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
90th anniversary offer!
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI 49548 2306
6-month CD
$0
4.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI 49548 2306
6 month CD - 90th Anniversary Special
$0
4.90%
▼
Rate4.81%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI 49548 2306
6-mo. CD Special 90th anniversary offer
$500
4.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
$500 min. - $9,000 max.; Limit one per primary SSN
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
6 Mo. Share Certificate
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
6 Month Share Certificates
$1,000
4.50%
▼
Rate4.43%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Waterfall Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
500 Mclennan St, Clearwater, FL 33756
6-MONTH CERTIFICATE OF DEPOSIT
$50,000
4.45%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details
New money only. New money is defined as money not currently deposited with Waterfall Bank. Fees could reduce earnings. Promotion may end at any time at Waterfall Bank's discretion. Penalties apply for early withdrawal.
U S #1364 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
8400 BROADWAY, MERRILLVILLE, IN 46410
6 Month Share Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
126 N Grand Ave, Cowden, IL 62422
6-Month CD Term
$1,000
4.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL 36609 1530
6-Month Certificate
$500
4.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 6-Month (Tier 3)
$0
4.20%
▼
Rate4.11%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
181 Main St, West Concord, MN 55985
6 Month Fixed CD
$250
4.16%
▼
Rate4.10%
Min Deposit$250
Min Balance—
UpdatedApr 17, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25)
LCE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
77 N Saint Clair St, Painesville, OH 44077
6 Month Share Certificate
$0
4.16%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Brainerd BN Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
804 Laurel St Ste 101, Brainerd, MN 56401 3799
6-month share certificate
$0
4.16%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
9993 Kenworthy St, El Paso, TX 79924
Special 6-Month Share Certificate
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
6 Month CD and IRA
$0
4.15%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
Omaha Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
3003 S 82nd Ave, Omaha, NE 68124
6 Month CD Special
$2,500
4.11%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 18, 2026
Details
Take advantage of these special CD rates through April 30th:
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
6-month Jumbo Certificate
$75,000
4.10%
▼
Rate4.03%
Min Deposit$75,000
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL 36201
IRA 6 Month
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
No additional details available.
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
2300 4TH AVE, ROCK ISLAND, IL 61201
6 Month CD
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL 33713
6 month IRA CD
$100,000
4.10%
▼
Rate4.03%
Min Deposit$100,000
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1541 Custer Ave, Billings, MT 59102
12 Month Youth Certificate
$0
6.17%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
La Crosse Burlington Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1735 Credit Union Ct, La Crosse, WI 54603
12-month Youth Saver Certificate
$0
6.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
No additional details available.
Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
2454 Vista Way, Oceanside, CA 92054
12-Month Savers Certificate
$0
5.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Dairyland Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3200 East Ave S, La Crosse, WI 54601 7227
Teenager (Age 13-17) - 12 Month Term Certificates
$0
5.50%
▼
Rate5.39%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
Grow with Me 12-Month Certificate
$0
5.05%
▼
Rate4.94%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
This account is available only for members under 18 years of age. Accounts may be opened between October 1 and October 31 each year.
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
1340 Arrowhead Dr, Maumee, OH 43537
12 Month Youth CD
$100
5.00%
▼
Rate4.91%
Min Deposit$100
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3141 Capital Ave SW, Battle Creek, MI 49015
12 Month Youth Special Certificate
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
12 Month Super Kids Certificates of Deposit (CDs)
$100
5.00%
▼
Rate4.91%
Min Deposit$100
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2821 Hewitt Ave, Everett, WA 98201
12 Month Certificate of Deposit
$500
4.83%
▼
Rate4.75%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT 84116
Certificate of Deposits Savers 12-Month
$9
4.50%
▼
Rate—
Min Deposit$9
Min Balance—
UpdatedApr 19, 2026
Details
Minimum deposit of $9 per month, up to $10,000.00.
Materion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
14710 W Portage River South Rd, Elmore, OH 43416
12 Month Certificate
$500
4.50%
▼
Rate4.43%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
12-Month IRA/ESA Certificate Premier Member
$500
4.50%
▼
Rate4.41%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA 20121
12-Month Starter Certificate
$50
4.50%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedApr 16, 2026
Details
No additional details available.
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA 1 year
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT 84116
Certificate of Deposits 12-Month
$500
4.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
1300 Baker Ave, Whitefish, MT 59937 2988
1-Year Youth Certificate
$0
4.40%
▼
Rate4.31%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3601 4th Ave S, Birmingham, AL 35222
1 year Share Certificates
$0
4.35%
▼
Rate4.27%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 12-Month (Tier 3)
$0
4.34%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
1381 N Bagley St, Alpena, MI 49707 8101
1 YEAR YOUTH CD
$100
4.34%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
10333 SE Main St, Portland, OR 97216 2940
1-Year Certificate
$0
4.33%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit Teen 12 Month Special
$0
4.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
*Max Amount $2,500
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
755 Co Op City Blvd, Bronx, NY 10475
12 Month Share Certificate K New Money
$5,000
4.33%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 18, 2026
Details
$5
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
755 Co Op City Blvd, Bronx, NY 10475
Share Certificate 12-Month-Bonus Rate
$0
4.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
210 N 5th St, Artesia, NM 88210 2000
IRA Certificates 12 Month
$0
4.32%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3333 Burnet Ave, Cincinnati, OH 45229 3026
Certificates of Deposit 1 year
$0
4.31%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY 40219 1917
IRA Certificate 12 Month
$1,000
4.30%
▼
Rate4.22%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
NORTHERN SKIES
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1001 E Benson Blvd, Anchorage, AK 99508
12-Month IRA Share Certificates
$0
4.30%
▼
Rate4.23%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Under $100,000
NORTHERN SKIES
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1001 E Benson Blvd, Anchorage, AK 99508
12-Month IRA Share Certificate
$0
4.30%
▼
Rate4.23%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Under $100,000
NORTHERN SKIES
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1001 E Benson Blvd, Anchorage, AK 99508
12-Month IRA Certificates
$0
4.30%
▼
Rate4.23%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Balance Under $100,000
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ 85282
IRA Certificate 12 Month
$2,000
4.30%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
300 Congress Dr Hwy 33, Newburg, WI 53060
18 mo Variable Rate IRA 18 mo Certificate of Deposit
$500
4.73%
▼
Rate4.65%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
Middlesex Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1 College Ave, Somerville, MA 02144
IRA 18 Month Variable Rate Certificate
$100
4.59%
▼
Rate4.50%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details
No additional details available.
CFCU Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1030 Craft Rd, Ithaca, NY 14850
18-month IRA Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Now through April 15, earn up to 4.25% APY with our 18-month IRA Certificate.
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
212 5th Ave, Edgeley, ND 58433
18 Month IRA CD Certificates of Deposit (CDs)
$500
4.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
212 5th Ave, Edgeley, ND 58433
Certificates of Deposit (CDs) 18 Month IRA CD
$500
4.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
18 Month IRA Share Certificate
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
18 Month Share Certificate Rate
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
3815 N Nebraska Ave, Tampa, FL 33603
Share Certificate 18 Month Market Watch
$500
4.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
18-month IRA Traditional & Roth Share Certificates
$1,000
4.15%
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC 27278
IRA Share Certificate (18 Month)
$500
4.15%
▼
Rate4.07%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC 27278
Share Certificate (18 Month)
$500
4.15%
▼
Rate4.07%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
NORTHERN SKIES
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1001 E Benson Blvd, Anchorage, AK 99508
18-Month Share Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
$100,000 and over
Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
312 N 4TH AVE, EVANSVILLE, IN 47710
18 Mo CD Jumbo
$100,000
4.10%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Minimum $100,000 Deposit to start
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
300 Congress Dr Hwy 33, Newburg, WI 53060
Classic IRA 18 mo Certificate of Deposit
$500
4.06%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
(No longer available for new accounts)
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ 85282
IRA Certificate 18 Month
$2,000
4.05%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA 2 year
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
210 N 5th St, Artesia, NM 88210 2000
IRA Certificates 24 Month
$0
4.58%
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
212 5th Ave, Edgeley, ND 58433
24 Month IRA CD Certificates of Deposit (CDs)
$500
4.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
24-month IRA Traditional & Roth Share Certificates
$1,000
4.50%
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
212 5th Ave, Edgeley, ND 58433
Certificates of Deposit (CDs) 24 Month IRA CD
$500
4.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3333 Burnet Ave, Cincinnati, OH 45229 3026
Certificates of Deposit 2 year
$0
4.36%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT 84116
Certificate of Deposits 24-Month
$500
4.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
24 Month Certificate
$0
4.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
2 year Regular and Special Share Certificates
$500
4.20%
▼
Rate4.11%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular IRA Share Certificates 2 year
$500
4.20%
▼
Rate4.11%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Catholic Vantage Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
36111 5 MILE RD, LIVONIA, MI 48154 1963
24 Month Certificate
$0
4.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
310 Caldwell St, Chillicothe, OH 45601
24 Mo. Share and IRA Certificates
$0
4.18%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
310 Caldwell St, Chillicothe, OH 45601
Share and IRA Jumbo Certificates 24 Mo.
$0
4.18%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
310 Caldwell St, Chillicothe, OH 45601
Share and IRA Certificates 24 Mo.
$0
4.18%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH IRA CERT
$0
4.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH CERTIFICATE
$0
4.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
501 Main St, Milligan, NE 68406
24 Month CD
$500
4.16%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 16, 2026
Details
Penalty for early withdrawal
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH CERTIFICATE
$0
4.11%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH IRA CERT
$0
4.11%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
NORTHERN SKIES
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1001 E Benson Blvd, Anchorage, AK 99508
24-Month Share Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
$100,000 and over
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3601 4th Ave S, Birmingham, AL 35222
2 year Share Certificates
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
24-Month Certificates of Deposit (CDs)
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
24-Month CD
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
PAHO WHO
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
2112 F St NW, Washington, DC 20037
24 Month IRA Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
SPC Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
204 N 5th St, Hartsville, SC 29550 4136
24 Month Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
2500 Lone Oak Rd, Paducah, KY 42003 8004
24 Month Certificate
$1,000
4.07%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
2500 Lone Oak Rd, Paducah, KY 42003 8004
24 Month IRA Certificate
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
2500 Lone Oak Rd, Paducah, KY 42003 8004
24 Month Share Certificate
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Limited Time Only:
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
2500 Lone Oak Rd, Paducah, KY 42003 8004
24 Month Standard Share Certificate
$1,000
4.07%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PAHO WHO
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
2112 F St NW, Washington, DC 20037
36 Month IRA Certificate
$0
4.59%
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
Adjustable 36 Month Term Super Jumbo Max
$1,000,000
4.18%
▼
Rate4.10%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3333 Burnet Ave, Cincinnati, OH 45229 3026
Certificates of Deposit 3 year
$0
4.11%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
36-Month Certificates of Deposit (CDs)
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA 3 and 4 year
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Cornerstone State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
500 Main St, Madison Lake, MN 56063
IRA 36-48 month C.D.
$500
4.55%
▼
Rate4.50%
Min Deposit$500
Min Balance—
UpdatedApr 16, 2026
Details
$75,000 to $199,999.99
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
6 LYNAM ST, WILMINGTON, DE 19804
48 mo Certificate
$1,000
4.32%
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2 The Credit Union Way, Fairmont, WV 26554 1567
Jumbo Certificates 48 month
$0
4.20%
▼
Rate4.12%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
48 Month Fixed Rate IRA Certificates
$500
4.11%
▼
Rate4.05%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
4-year FDIC-Insured Certificates of Deposit
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2 The Credit Union Way, Fairmont, WV 26554 1567
Jumbo Certificates 48 month
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
PAHO WHO
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
2112 F St NW, Washington, DC 20037
48 Month IRA Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Materion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
14710 W Portage River South Rd, Elmore, OH 43416
60 Month Certificate
$500
4.25%
▼
Rate4.18%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
60-month IRA Traditional & Roth Share Certificates
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
60 Month Fixed Rate IRA Certificates
$500
4.22%
▼
Rate4.15%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
Super Jumbo Max 60 Month Term
$1,000,000
4.18%
▼
Rate4.10%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
First National B&T Co. of Bottineau
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
424 Main St, Bottineau, ND 58318
60 Month CD
$0
4.14%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
5 year Mini-Jumbo IRA Share Certificates
$20,000
4.10%
▼
Rate4.02%
Min Deposit$20,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
5 year Mini-Jumbo Share Certificates
$20,000
4.10%
▼
Rate4.02%
Min Deposit$20,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
$100,000 and over
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
5-year FDIC-Insured Certificates of Deposit
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT 84604 3315
60 month Term Share Certificates
$1,000
4.10%
▼
Rate4.04%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
Adjustable 60 Month Term Super Jumbo Max
$1,000,000
4.08%
▼
Rate4.00%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
PAHO WHO
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
2112 F St NW, Washington, DC 20037
60 Month IRA Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
1129 State St, Erie, PA 16501 1911
60 month Certificate
$0
4.07%
▼
Rate4.01%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30 7th St E Ste 265, Saint Paul, MN 55101 4958
60 month Share Certificate
$1,000
4.07%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30 7th St E Ste 265, Saint Paul, MN 55101 4958
60 month Share Certificates
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
409 Riverwind Dr, Pearl, MS 39208 5917
60 Month Certificate
$1,000
4.06%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
409 Riverwind Dr, Pearl, MS 39208 5917
60 Month IRA Certificate
$1,000
4.06%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
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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.
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National CD Rate Trends
Weekly national average APYs across all 8 CD terms — compiled from 8,500+ banks & credit unions, updated nightly.
12-Month CD — National Avg
2.797%
Unchanged from last week
National 12-month CD rates held steady at 2.797% APY this week, unchanged from the prior week.
6-Month CD — National Avg
2.663%
▼ 0.006 from last week
National 6-month CD rates fell 0.006 points this week to 2.663%, down from 2.669% last week.
CD Rate Trends
Weekly average APYs across all CD terms. Hover over the chart to see exact rates for each week.
As of Apr 19, 2026 • Source: MonitorBankRates • 8,500+ U.S. banks & credit unions
View Full CD Trends
Frequently Asked Questions about CD Rates
What is a Certificate of Deposit (CD)?
A Certificate of Deposit (CD) is a savings account that holds a fixed amount of money for a fixed period of time, such as six months, one year, or five years, in exchange for a higher interest rate.
Are CD rates higher than regular savings accounts?
Generally, yes. Because you agree to leave your money in the bank for a set period, banks and credit unions typically offer higher interest rates on CDs compared to standard savings accounts.
Is my money safe in a CD?
Yes. CDs purchased from FDIC-insured banks are insured up to $250,000 per depositor, per institution. CDs at NCUA-insured credit unions carry equivalent protection.
What happens if I withdraw money from a CD early?
If you withdraw funds before the CD's maturity date, you will typically face an early withdrawal penalty, which is often several months of interest depending on the term.
What is APY and how does it differ from the interest rate?
APY (Annual Percentage Yield) reflects the total amount of interest earned in a year, taking compounding into account. The interest rate is the base rate before compounding. APY is always the best number to compare across institutions.
What CD term should I choose?
The right term depends on when you need the money. Short-term CDs (3–6 months) offer flexibility; long-term CDs (3–5 years) often offer higher yields but lock up your funds longer. CD laddering — spreading deposits across multiple terms — is a popular strategy.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates (e.g., 6-month, 1-year, 2-year). As each CD matures, you renew it at the longest term, giving you regular access to a portion of your funds while maximizing yields.
Can I add money to a CD after opening it?
Traditional CDs do not allow additional deposits after the initial opening. However, some institutions offer 'add-on CDs' that permit additional contributions during the term.
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields 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: April 19, 2026
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