Best Certificate of Deposit Rates July 2026 Up to 5.90%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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If you are looking to maximize your savings, you can compare national CD options like Schools Federal Credit UnionSchools Federal Credit Union20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306A+5.0 ★Texas Ratio: 1.27% offering Relationship Certificate (12 months) at 5.90% APY, or Gundersen Credit UnionGundersen Credit Union1910 South Ave, La Crosse, WI 54601A+5.0 ★Texas Ratio: 0.77% offering Teenager (Age 13-17) - 12 Month Term Certificate at 5.50% APY, or Diversified Members Credit UnionDiversified Members Credit Union1480 E Jefferson Ave, Detroit, MI 48207A+5.0 ★Texas Ratio: 5.38% offering 12 Months at 5.15% APY, or GLASS CITYGLASS CITY1340 Arrowhead Dr, Maumee, OH 43537A+5.0 ★Texas Ratio: 3.10% offering 12 Month Youth CD at 5.00% APY. CD rates as of July 16, 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: July 16, 2026
Compare the Best CD Rates Nationwide
3 Month CD Rates
No additional details available.
EARLY WITHDRAWAL PENALTIES (Minimum $25): 91 Days Interest
6 Month CD Rates
$500-$1000,; Limit of one CD per member
Limit of one CD per member
Maximum investment $5,000
Must be funded by new money not currently on deposit
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only
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Introductory offer
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Bonus Rate: 5.00%; Early Withdrawal Penalty: 90 Days Interest
BONUS RATE: 5.00%; EARLY WITHDRAWAL PENALTY: 90 Days Interest
Base Rate APY: 3.04% APY; Base Rate APR: 3.00% APR; Base Rate + 0.25% APY: 3.30% APY; Base Rate + 0.25% APR: 3.25% APR; Base Rate + 0.50% APY: 3.56% APY; Base Rate + 0.50% APR: 3.50% APR; Base Rate + 0.75% APY: 3.82% APY; Base Rate + 0.75% APR: 3.75% APR; Base Rate + 1.00% APY: 4.07% APY; Base Rate + 1.00% APR: 4.00% APR
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On the above accounts, dividends are compounded and credited quarterly. Dividends are computed based on average daily balance. A penalty may be imposed for early withdrawal. Service charges may reduce earnings.
Promotional Certificates - ***LIMITED TIME OFFER. Minimum to Open: $2,500. Beacon's promotional certificate rate is only valid on new money only. For 6 months promotional share certificates, the early withdrawal penalty is 90 days of dividend whether earned or not.
Special; Limited-time savings opportunity
4 terms to fit your needs-6, 12, 18, and 24-month special. Call or stop in for full details.
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EARLY WITHDRAWAL PENALTIES (Minimum $25): 181 Days Interest
Digital Online: 4.16% APY with $25,000 Minimum Deposit
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12 Month CD Rates
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This account is available only for members under 18 years of age.
Maximum $10,000 (Automatic Renewal)
Early Withdrawal Penalty: 90 days interest
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Deposits allowed at any time! Fixed rate with guaranteed dividends. Minimum balance required to open and earn the stated Annual Percentage Yield (APY) is $100. The dividends are credited and compounded according to the certificate listed. Rates, terms and conditions are subject to change without notice. After the fixed rate certificate is opened, the dividend rate is fixed for the term. A penalty may be imposed for early withdrawals. Fees could reduce earnings.
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**Minimum deposit of $9 at opening and $9 per month, up to $10,000.00. Rates are as of July 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal.
Rates are as of July 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal.
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Base Rate APY: 3.04% APY; Base Rate APR: 3.00% APR; Base Rate + 0.25% APY: 3.30% APY; Base Rate + 0.25% APR: 3.25% APR; Base Rate + 0.50% APY: 3.56% APY; Base Rate + 0.50% APR: 3.50% APR; Base Rate + 0.75% APY: 3.82% APY; Base Rate + 0.75% APR: 3.75% APR; Base Rate + 1.00% APY: 4.07% APY; Base Rate + 1.00% APR: 4.00% APR
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up to $2,500
Balance: Under $100,000
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18 Month CD Rates
Interest Will Be Credited: Quarterly
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Must be under 18 to open. Allows add-ons & withdrawals (Min +/- $100 ) & a 1-time rate bump (must provide report card). MAXIMUM DEPOSIT OF $10,000.00, LIMIT ONE PER MEMBER
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Minimum opening deposit (purchased through Raymond James brokerage account): $2,000. Minimum opening deposit (not purchased through Raymond James brokerage account): $1,000.
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On the above accounts, dividends are compounded and credited quarterly. Dividends are computed based on average daily balance. A penalty may be imposed for early withdrawal. Service charges may reduce earnings.
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Rates subject to change
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On the above accounts, dividends are compounded and credited quarterly. Dividends are computed based on average daily balance. A penalty may be imposed for early withdrawal. Service charges may reduce earnings.
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Compounded Daily
Limited-time offer. Promo CD.
Interest Rate: 4.14%
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Limited-time offer. Click for details.
No longer available for new accounts; Interest Will Be Credited: Quarterly
24 Month CD Rates
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Minimum opening deposit (purchased through Raymond James brokerage account): $2,000. Minimum opening deposit (not purchased through Raymond James brokerage account): $1,000.
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Penalty for early withdrawal
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On the above accounts, dividends are compounded and credited quarterly. Dividends are computed based on average daily balance. A penalty may be imposed for early withdrawal. Service charges may reduce earnings.
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up to $10,000
Non-Rewards+ Loyalty Program Dividend Rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Non-Rewards+ Loyalty Program Dividend Rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
On the above accounts, dividends are compounded and credited quarterly. Dividends are computed based on average daily balance. A penalty may be imposed for early withdrawal. Service charges may reduce earnings.
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Rates are as of July 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal.
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Variable yield account with no cap.
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36 Month CD Rates
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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.
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Balance: $1M+
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Minimum opening deposit (purchased through Raymond James brokerage account): $2,000. Minimum opening deposit (not purchased through Raymond James brokerage account): $1,000.
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Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
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Balance: $250,000-$999,999
Opening Balance: Under $10,000; Interest Will Be Credited: Annually
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Non-Rewards+ Loyalty Program Dividend Rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
EXISTING MEMBER NEW MEMBER
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On the above accounts, dividends are compounded and credited quarterly. Dividends are computed based on average daily balance. A penalty may be imposed for early withdrawal. Service charges may reduce earnings.
On the above accounts, dividends are compounded and credited quarterly. Dividends are computed based on average daily balance. A penalty may be imposed for early withdrawal. Service charges may reduce earnings.
Non-Rewards+ Loyalty Program Dividend Rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
See details.; Not available for purchase effective June 7, 2022.; Open account in person
See details.; Not available for purchase effective June 7, 2022.; Open account online
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payroll deposit only
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APY* is subject to change.
48 Month CD Rates
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Minimum opening deposit (purchased through Raymond James brokerage account): $2,000. Minimum opening deposit (not purchased through Raymond James brokerage account): $1,000.
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Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution.
Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution.
On the above accounts, dividends are compounded and credited quarterly. Dividends are computed based on average daily balance. A penalty may be imposed for early withdrawal. Service charges may reduce earnings.
On the above accounts, dividends are compounded and credited quarterly. Dividends are computed based on average daily balance. A penalty may be imposed for early withdrawal. Service charges may reduce earnings.
Non-Rewards+ Loyalty Program Dividend Rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Non-Rewards+ Loyalty Program Dividend Rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
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60 Month CD Rates
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FOR AGES 0-12 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.
Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
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Minimum opening deposit (purchased through Raymond James brokerage account): $2,000. Minimum opening deposit (not purchased through Raymond James brokerage account): $1,000.
Opening Balance: Under $10,000; Interest Will Be Credited: Annually
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Click to Open CD
payroll deposit only
Non-Rewards+ Loyalty Program Dividend Rate: 2.96%, Non-Rewards+ Loyalty Program APY: 3.00%
$500 minimum deposit required
No additional details available.
$500 minimum deposit required
APY* is subject to change.
No additional details available.
On the above accounts, dividends are compounded and credited quarterly. Dividends are computed based on average daily balance. A penalty may be imposed for early withdrawal. Service charges may reduce earnings.
On the above accounts, dividends are compounded and credited quarterly. Dividends are computed based on average daily balance. A penalty may be imposed for early withdrawal. Service charges may reduce earnings.
Non-Rewards+ Loyalty Program Dividend Rate: 2.96%, Non-Rewards+ Loyalty Program APY: 3.00%
APY* is subject to change.
No additional details available.
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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.
National 12-month CD rates rose 0.014 points this week to 2.847%, up from 2.832% last week.
National 6-month CD rates rose 0.040 points this week to 2.681%, up from 2.641% last week.
CD Rate Trends
Weekly average APYs across all CD terms. Hover over the chart to see exact rates for each week.
Frequently Asked Questions about CD Rates
What is a Certificate of Deposit (CD)?
Are CD rates higher than regular savings accounts?
Is my money safe in a CD?
What happens if I withdraw money from a CD early?
What is APY and how does it differ from the interest rate?
What CD term should I choose?
What is a CD ladder?
Can I add money to a CD after opening it?
CD Calculators
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our nationwide CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates 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 sourcing data from the institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields 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.
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