Best Certificate of Deposit Rates May 2026 Up to 6.17%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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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 CO-OP Credit UnionCO-OP Credit Union100 E Main St, Black River Falls, WI 54615A+5.0 ★Texas Ratio: 3.80% offering 12-month Youth Saver Certificate 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 Schools Federal Credit UnionSchools Federal Credit Union20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306A+5.0 ★Texas Ratio: 1.31% offering Relationship Certificate (12 months) at 5.90% APY. CD rates as of May 12, 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: May 12, 2026
Compare the Best CD Rates Nationwide
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EARLY WITHDRAWAL PENALTIES (Minimum $25): 91 Days Interest
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Teen Cents Club Junior Savers Kangaroo Kids Club Minimum $100.00 Maximum $5,000.00 (Aggregate)
Max $5,000
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Must be funded by new money not currently on deposit
Available for members under the age of 21; 1 per member
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Bonus Rate
Early Withdrawal Penalty: 90 Days Interest
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FEATURED RATE
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FEATURED RATE
FEATURED RATE
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Early Withdrawal Penalty: 90 Days Interest
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paid monthly
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Deposit Amount: $100,001 and up
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Limited Time Special!
Minimum $100,000 Deposit to start
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$100 Minimum | $1,000 Maximum
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Terms Apply
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Early Withdrawal Penalty: 90 days interest
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Automatic Renewal
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Interest rate is based on a Prime Rate index minus a margin of 3.00%, with a floor of 0%
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Exclusive new money offer!
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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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NEW MONEY Certificate of Deposit Special!
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$100,000 and over
$100,000 and over
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Monthly Min/Max: $20/$400, paid annually
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Penalty for early withdrawal
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$100,000 and over
$100,000 and over
$100,000 and over
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Regular Rates
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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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$1M+
$250,000-$999,999
payroll deposit only
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Monthly Min/Max: $20/$200, paid annually
$75,000 to $199,999.99
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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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payroll deposit only
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$100,000 and Above
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Automatic Renewal to Regular Certificate
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$100,000 and over
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Enjoy quarterly dividends.
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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 all 8 CD terms — compiled from 8,500+ banks & credit unions, updated nightly.
National 12-month CD rates rose 0.011 points this week to 2.835%, up from 2.824% last week.
National 6-month CD rates rose 0.005 points this week to 2.682%, up from 2.677% 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
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.
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