Best Certificate of Deposit (CD) Rates April 2026 Up to 6.00%
Content reviewed by
Brian McKay
i
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
- Finance Calculators
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 Velocity Community Federal Credit UnionVelocity Community Federal Credit Union2801 PGA BLVD STE 120, PALM BEACH GARDENS, FL 33410A+5.0 ★Texas Ratio: 2.46% offering Special 6% APY Youth 12-Month Share Certificate at 6.00% APY, or CO-OP Credit UnionCO-OP Credit Union100 E Main St, Black River Falls, WI 54615A+5.0 ★Texas Ratio: 3.80% offering Youth Saver Certificate - 12-month at 6.00% 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 Gundersen Credit UnionGundersen Credit Union1910 South Ave, La Crosse, WI 54601A+5.0 ★Texas Ratio: 0.79% offering Teenager (Age 13-17) - 12 Month Term Certificates at 5.50% APY. CD rates as of April 2, 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 2, 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—
UpdatedMar 25, 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 2, 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—
UpdatedMar 28, 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—
UpdatedMar 25, 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—
UpdatedMar 29, 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
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 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 Certificates
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
No additional details available.
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—
UpdatedMar 28, 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—
UpdatedMar 29, 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 2, 2026
Details
Must be funded by new money not currently on deposit
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Share Certificates 6 Month
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Bonus Rate
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6310 Dixie Hwy, Bridgeport, MI 48722
6 month Youth CD
$100
5.00%
▼
Rate4.88%
Min Deposit$100
Min Balance—
UpdatedMar 29, 2026
Details
Ages 0-21; 1 per member
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
6 Month Share Certificate
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Bonus Rate
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
7007 Broadway Ave, Cleveland, OH 44105
6 Month Bonus CD
$500
4.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Month 1 APY
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Share Certificates 6 Month
$0
4.50%
▼
Rate4.43%
Min Deposit$0
Min Balance—
UpdatedMar 28, 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 Certificate
$0
4.50%
▼
Rate4.43%
Min Deposit$0
Min Balance—
UpdatedMar 28, 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
$0
4.50%
▼
Rate4.43%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Bonus Rate: 5.00%; Early Withdrawal Penalty: 90 Days Interest
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
501 Main St, Milligan, NE 68406
6 Month CD
$500
4.27%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
Penalty for early withdrawal
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
501 Main St, Milligan, NE 68406
Certificates of Deposit 6 Month
$0
4.27%
▼
Rate4.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
6 Month Certificates of Deposit
$0
4.27%
▼
Rate4.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
No additional details available.
P.C. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
203 N Main St, Port Allegany, PA 16743
Level 6 - 6 month term
$100,000
4.25%
▼
Rate4.25%
Min Deposit$100,000
Min Balance—
UpdatedMar 24, 2026
Details
$100000.00 to open
U S #1364 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
8400 BROADWAY, MERRILLVILLE, IN 46410
IRA Share Certificate 6 Month
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
No additional details available.
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—
UpdatedMar 29, 2026
Details
No additional details available.
U S #1364 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
8400 BROADWAY, MERRILLVILLE, IN 46410
Share Certificate 6 Month
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 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—
UpdatedMar 24, 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 2, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25)
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 2, 2026
Details
No additional details available.
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—
UpdatedMar 27, 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—
UpdatedMar 27, 2026
Details
No additional details available.
LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
3280 N University Ave, Provo, UT 84604
6-Month CD
$1,000
4.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 24, 2026
Details
No additional details available.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
6-month GoldStar� Membership Certificate
$5
4.15%
▼
Rate4.07%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
No additional details available.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 6-month GoldStar� Membership
$5
4.15%
▼
Rate4.07%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
No additional details available.
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
4451 Commercial Dr, New Hartford, NY 13413 6207
Business Term Share Certificates 6 Month
$0
4.11%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
$1,000.00 minimum balance to earn dividends
Crow Wing Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
17330 State Highway 371, Brainerd, MN 56401
6-Month CD
$1,000
4.11%
▼
Rate4.05%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
No additional details available.
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
1617 W 7th St, Fort Worth, TX 76102
Business CDs 6 Month
$1,000
4.11%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 2, 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
6 Month IRA Rate
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 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—
UpdatedMar 24, 2026
Details
No additional details available.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
2801 PGA BLVD STE 120, PALM BEACH GARDENS, FL 33410
Special 6% APY Youth 12-Month Share Certificate
$0
6.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Qualifying balance up to $1,000.00
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
100 E Main St, Black River Falls, WI 54615
Youth Saver Certificate - 12-month
$100
6.00%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Limit one Youth Saver Certificate per member under the age of 18. Maximum deposit of $3,000. Once the member turns 18, the certificate will automatically renew into a 12-month share certificate at the current rate on the date of maturity.
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—
UpdatedMar 26, 2026
Details
No additional details available.
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1910 South Ave, La Crosse, WI 54601
Teenager (Age 13-17) - 12 Month Term Certificates
$0
5.50%
▼
Rate5.39%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
No additional details available.
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2711 Commercial Way, Montrose, CO 81401
12 Month DREAM Certificate
$100
5.12%
▼
Rate5.00%
Min Deposit$100
Min Balance—
UpdatedMar 28, 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
$250
5.05%
▼
Rate4.94%
Min Deposit$250
Min Balance—
UpdatedMar 25, 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 2, 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
5.00%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedMar 25, 2026
Details
No additional details available.
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
12 Month Share / IRA Certificate of Deposit-STUDENT Accounts
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Automatic Renewal
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—
UpdatedMar 25, 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—
UpdatedMar 28, 2026
Details
No additional details available.
Merchants Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
410 Monon Blvd, Carmel, IN 46032
12 Month Flex Index CD
$1,000
4.86%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 24, 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—
UpdatedMar 28, 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 1 year
$500
4.50%
▼
Rate4.40%
Min Deposit$500
Min Balance—
UpdatedMar 29, 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%
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedMar 27, 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—
UpdatedMar 26, 2026
Details
No additional details available.
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—
UpdatedMar 24, 2026
Details
No additional details available.
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
5665 N Hamilton Rd, Columbus, OH 43230
12 Month Certificate
$100,000
4.45%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 24, 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—
UpdatedMar 28, 2026
Details
No additional details available.
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
3923 5th St, Brookshire, TX 77423
Bonus Builder CD (SEG) 12 Month
$0
4.35%
▼
Rate4.26%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
No additional details available.
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
5665 N Hamilton Rd, Columbus, OH 43230
12 Month Certificate
$500
4.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 24, 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 2, 2026
Details
No additional details available.
GECU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.97%
7227 Viscount Blvd, El Paso, TX 79925
12-month Jumbo Certificate Individual Retirement Accounts (IRAs)
$50,000
4.35%
▼
Rate4.35%
Min Deposit$50,000
Min Balance—
UpdatedMar 26, 2026
Details
Monthly / APY: 4.44%
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—
UpdatedMar 29, 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—
UpdatedMar 24, 2026
Details
No additional details available.
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
755 Co Op City Blvd, Bronx, NY 10475
12 Month Certificate Special
$0
4.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
No additional details available.
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
755 Co Op City Blvd, Bronx, NY 10475
12-Month Certificate Special
$0
4.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
No additional details available.
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—
UpdatedMar 28, 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—
UpdatedMar 24, 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
12 month Share Certificate
$0
4.32%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
No additional details available.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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—
UpdatedMar 28, 2026
Details
No additional details available.
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
5665 N Hamilton Rd, Columbus, OH 43230
18 Month Certificate
$100,000
4.35%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 24, 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—
UpdatedMar 28, 2026
Details
Now through April 15, earn up to 4.25% APY
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
5665 N Hamilton Rd, Columbus, OH 43230
18 Month Certificate
$500
4.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 24, 2026
Details
No additional details available.
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)
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
No additional details available.
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
4.22%
▼
Rate4.15%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
No additional details available.
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
3227 Schneider Ave SE, Menomonie, WI 54751
18 Month Variable Rate IRA Share Certificates and IRAs
$0
4.18%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedMar 29, 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—
UpdatedMar 27, 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 2, 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—
UpdatedMar 28, 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 2, 2026
Details
No additional details available.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
18-month GoldStar� Membership Certificate
$5
4.15%
▼
Rate4.07%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
No additional details available.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 18-month GoldStar� Membership
$5
4.15%
▼
Rate4.07%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
No additional details available.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
411 Theodore Fremd Ave, Rye, NY 10580
18 Month Certificate
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
No additional details available.
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
No additional details available.
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
3700 South Blvd, Charlotte, NC 28209
Jumbo CD senior 18-month
$50,000
4.10%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
No additional details available.
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 2, 2026
Details
Minimum $100,000 Deposit to start
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%
▼
Rate4.75%
Min Deposit$0
Min Balance—
UpdatedMar 27, 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—
UpdatedMar 25, 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—
UpdatedMar 28, 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)
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 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
4.40%
▼
Rate4.31%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
No additional details available.
Ouachita Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
1420 Natchitoches St, West Monroe, LA 71292
24-Month IRA
$2,000
4.33%
▼
Rate4.25%
Min Deposit$2,000
Min Balance—
UpdatedMar 24, 2026
Details
No additional details available.
Ouachita Valley Health System Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.80%
638 California Ave SW, Camden, AR 71701 4604
24-Month IRA
$2,000
4.33%
▼
Rate4.25%
Min Deposit$2,000
Min Balance—
UpdatedMar 24, 2026
Details
No additional details available.
School Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
3025 Tower Ave, Superior, WI 54880 5369
24 month CD
$0
4.25%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
No additional details available.
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT 84302 4357
Youth Certificates 2 Year CD
$0
4.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 24, 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 2, 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 2, 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
24 month Share Certificate
$0
4.16%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
No additional details available.
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
5665 N Hamilton Rd, Columbus, OH 43230
24 Month Certificate
$100,000
4.15%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 24, 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
4.11%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 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 2, 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
2 year Share Certificates
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 2, 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 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
$100,000 and over
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
3700 South Blvd, Charlotte, NC 28209
Elite Jumbo CD 24-month
$250,000
4.10%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMar 28, 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—
UpdatedMar 25, 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—
UpdatedMar 25, 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 Standard Share Certificate
$1,000
4.07%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 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—
UpdatedMar 24, 2026
Details
No additional details available.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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—
UpdatedMar 25, 2026
Details
No additional details available.
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT 84302 4357
Youth Certificates 3 Year CD
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
No additional details available.
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
3700 South Blvd, Charlotte, NC 28209
Elite Jumbo CD 36-month
$250,000
4.15%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMar 28, 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 3 year
$500
4.10%
▼
Rate4.02%
Min Deposit$500
Min Balance—
UpdatedMar 29, 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%
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 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 2, 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—
UpdatedMar 28, 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
4 year Mini-Jumbo IRA Share Certificates
$20,000
4.30%
▼
Rate4.21%
Min Deposit$20,000
Min Balance—
UpdatedMar 29, 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—
UpdatedMar 26, 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 4 year
$500
4.15%
▼
Rate4.07%
Min Deposit$500
Min Balance—
UpdatedMar 29, 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—
UpdatedMar 26, 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—
UpdatedMar 25, 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—
UpdatedMar 26, 2026
Details
No additional details available.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
5 year Mini-Jumbo IRA Share Certificates
$20,000
4.35%
▼
Rate4.26%
Min Deposit$20,000
Min Balance—
UpdatedMar 29, 2026
Details
No additional details available.
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—
UpdatedMar 24, 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—
UpdatedMar 28, 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—
UpdatedMar 26, 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 5 year
$500
4.20%
▼
Rate4.11%
Min Deposit$500
Min Balance—
UpdatedMar 29, 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
60 Month Term Super Jumbo Max CD
$1,000,000
4.18%
▼
Rate4.10%
Min Deposit$1,000,000
Min Balance—
UpdatedMar 25, 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
5-year FDIC-Insured Certificates of Deposit
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 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 2, 2026
Details
No additional details available.
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
60 Month Share One-Time Bump Certificates of Deposit
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Automatic Renewal to Regular Certificate
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
Jumbo & Jumbo IRA Share Certificate 60 Month
$100,000
4.10%
▼
Rate4.03%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
No additional details available.
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
9260 S 300 E, Sandy, UT 84070
Certificate Account 60 Month
$500
4.10%
▼
Rate4.03%
Min Deposit$500
Min Balance—
UpdatedApr 2, 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—
UpdatedMar 26, 2026
Details
$100,000 and over
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
7181 S Campus View Dr, West Jordan, UT 84084 4312
Youth certificate 60-month youth certificate
$0
4.09%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 27, 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—
UpdatedMar 25, 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 2, 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 2, 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.
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.
National CD Rate Trends
Weekly national average APYs across 6 standard CD terms
Weekly CD rate averages compiled from 45,048 current CD rates across our database of 8,500+ banks and credit unions — updated daily.
12-Month CD — National Avg
2.786%
▲ 0.008 from last week
Compiled from 6,784 current rates
National 12-month CD rates rose 0.008 points this week to 2.786% APY, up from 2.777% last week.
6-Month CD — National Avg
2.647%
▲ 0.025 from last week
Compiled from 5,200 current rates
National 6-month CD rates rose 0.025 points this week to 2.647% APY, up from 2.622% last week.
As of Apr 2, 2026 •
Averages compiled from 45,048 current CD rates
(6,784 12-month, 5,200 6-month) across 8,500+ U.S. banks & credit unions
Powered by MonitorBankRates
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 2, 2026
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