Best Certificate of Deposit Rates October 2026 Up to 6.14%
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.
CD rates range from 4.15% to 10.00% APY, verified by MonitorBankRates as of October 15, 2026. Top CD rates currently available include Southeast Missouri Community Credit Union offering 12 Month Certificates of Deposit - Youth at 6.14% APY, and Vacationland Federal Credit Union offering 12 Month Youth Certificates + at 6.03% APY, and Congressional Federal Credit Union offering Flexible Saver - 1 Year Certificate at 6.00% APY, and CO-OP Credit Union offering 12 Month Youth Saver Certificate at 6.00% APY. CD rates as of October 15, 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: October 15, 2026
Compare the Best CD Rates Nationwide
3 Month CD Rates
MonitorBankRates National Average · 3 Month CD2.12% APY▲ 0.03% from last week
The national average 3-month CD rate is 2.12% APY as of October 15, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3305 Steck Ave Ste 275, Austin, TX 78757
3 Month CD
$1,000
4.58%
▲ 2.46% above avg
▼
Rate4.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.12%▲ 2.46% above avg
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
- Oct 7, 20264.58%▲ from 4.32%
- Sep 14, 20264.32%first recorded
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1290 S Donahue Dr, Auburn, AL 36832 6330
90 Day Share Certificates - Jumbo Rate
$100,000
4.51%
▲ 2.39% above avg
▼
Rate4.51%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.12%▲ 2.39% above avg
Details
$100,000+; Compound Period: Maturity
Rate History
No change since Oct 14, 2026 · 4.51% APY
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
3 Month Certificate
$1,000
4.48%
▲ 2.36% above avg
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.12%▲ 2.36% above avg
Details
Early Withdrawal Penalty: 1 Month Interest
Rate History
1 change since Sep 14, 2026 · 3.53% → 4.48% ▲ 0.95 pts · high 4.48% / low 3.53%
- Oct 7, 20264.48%▲ from 3.53%
- Sep 14, 20263.53%first recorded
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
3 Month Jumbo Share Certificates
$0
4.45%
▲ 2.33% above avg
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.12%▲ 2.33% above avg
Details
Balance: $300,000.00 and greater
Rate History
No change since Oct 9, 2026 · 4.45% APY · checked 3 times
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
90 Day Jumbo Certificates of Deposit
$0
4.44%
▲ 2.32% above avg
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.12%▲ 2.32% above avg
Details
Balance: $250,000.00 and over
Rate History
1 change since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
- Oct 14, 20264.44%▲ from 4.18%
- Sep 14, 20264.18%first recorded
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
Simple CD - 3 Months
$500
4.35%
▲ 2.23% above avg
▼
Rate4.27%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.12%▲ 2.23% above avg
Details
Starting minimum deposit $500; not eligible for Member Saver Reward
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Sep 22, 20264.35%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
7665 Merriman Rd, Romulus, MI 48174 1920
Jumbo CD 3 Months
$3,000,000
4.32%
▲ 2.20% above avg
▼
Rate4.25%
Min Deposit$3,000,000
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.12%▲ 2.20% above avg
Details
Max: $6,000,000
Rate History
No change since Sep 21, 2026 · 4.32% APY · checked 4 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
3 Month CD
$0
4.30%
▲ 2.18% above avg
▼
Rate4.21%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.12%▲ 2.18% above avg
Details
No additional details available.
Rate History
2 changes since Sep 24, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
- Oct 14, 20264.30%▲ from 4.15%
- Oct 1, 20264.15%▲ from 3.95%
- Sep 24, 20263.95%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
3 Month Business CD
$5,000
4.30%
▲ 2.18% above avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.12%▲ 2.18% above avg
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.30% APY
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
201 S Main St Fl 5, Salt Lake City, UT 84111
3 Month Preferred Certificate of Deposit (CD)
$1,000
4.27%
▲ 2.15% above avg
▼
Rate4.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.12%▲ 2.15% above avg
Details
Morgan Stanley Preferred CD; deposits in increments of $1,000
Rate History
No change since Oct 14, 2026 · 4.27% APY
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
3 Month CD
$0
4.27%
▲ 2.15% above avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.12%▲ 2.15% above avg
Details
Balance: $500,000.00 minimum to open and obtain APY
Rate History
3 changes since Sep 8, 2026 · 3.96% → 4.27% ▲ 0.31 pts · high 4.27% / low 3.96%
- Sep 27, 20264.27%▲ from 4.22%
- Sep 24, 20264.22%▲ from 4.16%
- Sep 18, 20264.16%▲ from 3.96%
- Sep 8, 20263.96%first recorded
Ivy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.52%
1374 Massachusetts Ave, Cambridge, MA 02138
3 Month CD
$1,000
4.25%
▲ 2.13% above avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.12%▲ 2.13% above avg
Details
High-Yield Certificates of Deposit; Minimum daily balance of $10 required to earn APY; Rates effective as of 9/22/26
Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 3 times
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
Personal Certificate of Deposit - 3-Month CD
$0
4.25%
▲ 2.13% above avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.12%▲ 2.13% above avg
Details
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.25% APY
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
300 Arneill Rd, Camarillo, CA 93010
3 Month Term Share Certificate
$500
4.25%
▲ 2.13% above avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.12%▲ 2.13% above avg
Details
Term: 3 Months with Epic Premium Checking; Requires Epic Premium Checking; Stated rate 4.169%, APY 4.250%
Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 4, 20264.25%▲ from 4.00%
- Sep 25, 20264.00%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX 78249 1616
3 Month IRA Certificates
$250,001
4.23%
▲ 2.11% above avg
▼
Rate4.15%
Min Deposit$250,001
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.12%▲ 2.11% above avg
Details
Balance: $250,001 and over
Rate History
No change since Oct 15, 2026 · 4.23% APY
Heritage Bank Minnesota
Institution Rating:
A-4.4 ★Texas Ratio: 8.07%
181 Main St, West Concord, MN 55985
3 Month Fixed CD
$250
4.16%
▲ 2.04% above avg
▼
Rate4.10%
Min Deposit$250
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.12%▲ 2.04% above avg
Details
Early withdrawal penalty: 91 Days Interest; Minimum early withdrawal penalty $25; Rates current as of December 18, 2025
Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 7 times
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
3 Month FDIC-Insured Certificate of Deposit
$0
4.15%
▲ 2.03% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.12%▲ 2.03% above avg
Details
No additional details available.
Rate History
2 changes since Sep 24, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.20% / low 4.10%
- Oct 3, 20264.15%▼ from 4.20%
- Sep 27, 20264.20%▲ from 4.10%
- Sep 24, 20264.10%first recorded
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
2400 W Bridge St, Owatonna, MN 55060 5003
Share Certificate - 3-Month Special
$500
4.15%
▲ 2.03% above avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.12%▲ 2.03% above avg
Details
Special rate for new certificates only; does not apply to renewals; at maturity renews to a 6-month term; rates effective September 21, 2026
Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 2 times
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
200 S Quintard Ave, Anniston, AL 36201
CD - 90 Days Special
$0
4.15%
▲ 2.03% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.12%▲ 2.03% above avg
Details
Special term; APY is annual percentage yield; Minimum balance to open account and earn stated APY is $500; Maximum deposit limit $250,000.00; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.78% APY▲ 0.01% from last week
The national average 6-month CD rate is 2.78% APY as of October 15, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
6 Month Teen CD
$1,000
10.00%
▲ 7.22% above avg
▼
Rate9.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.78%▲ 7.22% above avg
Details
max $1,000
Rate History
No change since Sep 14, 2026 · 10.00% APY · checked 8 times
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
475 Etna St Ste 10, Saint Paul, MN 55106 5845
6 Month NEW Youth CD
$500
8.00%
▲ 5.22% above avg
▼
Rate8.00%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.78%▲ 5.22% above avg
Details
$500-$1000; limit of one CD per member; Open a Youth CD
Rate History
No change since Sep 18, 2026 · 8.00% APY · checked 5 times
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
55 Stevens St, Lockport, NY 14094 4229
6 Month Youth Share Certificate
$0
6.00%
▲ 3.22% above avg
▼
Rate5.83%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.78%▲ 3.22% above avg
Details
Balance: $50 - $5,000; Effective as of June 15, 2026
Rate History
No change since Oct 5, 2026 · 6.00% APY · checked 4 times
Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
1224 4th Ave S, Park Falls, WI 54552 1923
6 Month Youth Share Certificate
$100
5.06%
▲ 2.28% above avg
▼
Rate5.00%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.78%▲ 2.28% above avg
Details
Accounts: Teen Cents Club, Junior Savers, Kangaroo Kids Club; Maximum $5,000.00 (Aggregate); Dividends compounded semi-annually; Subject to penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 5.06% APY · checked 7 times
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6310 Dixie Hwy, Bridgeport, MI 48722
6 month - 4H or FFA CD
$0
5.05%
▲ 2.27% above avg
▼
Rate4.93%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.78%▲ 2.27% above avg
Details
Minimum: Amount of 4H or FFA - Youth Fair Participation Check; Max $5,000
Rate History
No change since Sep 14, 2026 · 5.05% APY · checked 8 times
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
6-month TSC
$1,000
5.00%
▲ 2.22% above avg
▼
Rate4.89%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.78%▲ 2.22% above avg
Details
Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.00% → 5.00% ▲ 1.00 pts · high 5.00% / low 4.00%
- Oct 12, 20265.00%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
320 S Kansas Ave Ste 100, Topeka, KS 66603 3644
Kid's Certificates 6 Month
$100
5.00%
▲ 2.22% above avg
▼
Rate4.91%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 2.22% above avg
Details
Kids Share Certificates (Under 18); $100.00 opening balance, unlimited deposits allowed; 12 months or shorter early withdrawal penalty: ninety (90) days' dividends
Rate History
No change since Sep 22, 2026 · 5.00% APY · checked 4 times
Gulf Coast Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
12364 Highway 49, Gulfport, MS 39503
6 Month Youth Share Certificates
$0
5.00%
▲ 2.22% above avg
▼
Rate4.89%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.78%▲ 2.22% above avg
Details
Balance: $500-$15,000
Rate History
No change since Sep 25, 2026 · 5.00% APY · checked 3 times
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
130 Fisher Rd, Berlin, VT 05602
New 6 month CD Special
$0
5.00%
▲ 2.22% above avg
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.78%▲ 2.22% above avg
Details
Must be funded by new money not currently on deposit; Dividends paid Monthly
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 3 times
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
730 S Crouse Ave, SYRACUSE, NY 13210 1754
6 Month Certificate
$0
4.86%
▲ 2.08% above avg
▼
Rate4.75%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.78%▲ 2.08% above avg
Details
No additional details available.
Rate History
2 changes since Sep 17, 2026 · 3.85% → 4.86% ▲ 1.01 pts · high 4.86% / low 3.85%
- Oct 15, 20264.86%▲ from 4.15%
- Oct 5, 20264.15%▲ from 3.85%
- Sep 17, 20263.85%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
7007 Broadway Ave, Cleveland, OH 44105
6 Month Bonus CD
$0
4.75%
▲ 1.97% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.97% above avg
Details
Bonus CD; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 4.75% APY · checked 5 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
348 W Michigan Ave, Kalamazoo, MI 49007
Rising Rate Certificate of Deposit - Third 6-month Term
$10,000
4.75%
▲ 1.97% above avg
▼
Rate4.65%
Min Deposit$10,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.97% above avg
Details
Interest is compounded monthly; 10-day option to withdraw at the end of each six-month term; penalty for early withdrawals applies at other times; no brokered deposits
Rate History
No change since Oct 7, 2026 · 4.75% APY · checked 4 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
6 Month Share Certificates - 1
$0
4.75%
▲ 1.97% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.78%▲ 1.97% above avg
Details
FEATURED RATE
Rate History
No change since Oct 15, 2026 · 4.75% APY
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
PROMO Business Share Certificates 6 Months
$50,000
4.75%
▲ 1.97% above avg
▼
Rate4.65%
Min Deposit$50,000
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.78%▲ 1.97% above avg
Details
Promo; 25% of opening deposit must be new money; at maturity converts to regular certificate; early withdrawal penalty applies
Rate History
No change since Oct 15, 2026 · 4.75% APY
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
6 Month 75th Anniversary Certificates of Deposit
$0
4.58%
▲ 1.80% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.80% above avg
Details
Effective date 10/1/26; Get complete details here
Rate History
No change since Oct 10, 2026 · 4.58% APY · checked 2 times
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1290 S Donahue Dr, Auburn, AL 36832 6330
180 Day Share Certificates - Jumbo Rate
$100,000
4.56%
▲ 1.78% above avg
▼
Rate4.56%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.78% above avg
Details
$100,000+; Compound Period: Maturity
Rate History
No change since Oct 14, 2026 · 4.56% APY
The Community State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
405 Us Highway 271, Wister, OK 74966
6 Month CD
$1,000
4.55%
▲ 1.77% above avg
▼
Rate4.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.77% above avg
Details
Minimum of $1,000 to open; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.55% ▲ 0.25 pts · high 4.55% / low 4.30%
- Sep 24, 20264.55%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
6 Month Jumbo Certificates of Deposit
$0
4.54%
▲ 1.76% above avg
▼
Rate4.45%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.76% above avg
Details
Balance: $250,000.00 and over
Rate History
1 change since Sep 14, 2026 · 4.23% → 4.54% ▲ 0.31 pts · high 4.54% / low 4.23%
- Oct 14, 20264.54%▲ from 4.23%
- Sep 14, 20264.23%first recorded
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
100 S Cherry St, Mount Pleasant, IA 52641
6 Month Share Certificate
$500
4.50%
▲ 1.72% above avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.78%▲ 1.72% above avg
Details
Dividends compounded and credited at maturity; Rates as of August 21, 2026
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 3 times
Heritage Hub Federal Credit Union
Institution Rating:
A+5.0 ★
2645 Winrock Blvd, Houston, TX 77057
6 Month Certificates of Deposit
$0
4.50%
▲ 1.72% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.72% above avg
Details
Up to 4.50% APY; CD terms: 6-month, 12-month, 18-month, 24-month, and Jumbo 24-month; early withdrawal penalties apply
Rate History
No change since Oct 1, 2026 · 4.50% APY · checked 2 times
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
2625 CORPORATE Pl, MONTEREY PARK, CA 91754
6 Month Certificates
$1,000
4.50%
▲ 1.72% above avg
▼
Rate4.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.78%▲ 1.72% above avg
Details
Term: six months to five years; APY as high as 4.50%; Dividend rate as high as 4.40%; Minimum to earn $1,000.00/$50,000.00; Minimum to open $1,000.00/$50,000.00; Monthly fee $0.00
Rate History
1 change since Sep 25, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Oct 4, 20264.50%▲ from 4.15%
- Sep 25, 20264.15%first recorded
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
105 E Winslow Rd, Bloomington, IN 47401
6 Month Business Term Certificates
$0
4.50%
▲ 1.72% above avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.72% above avg
Details
Business deposit rates; Effective: October 7, 2026
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
Share Certificate - 6 Months
$1,000
4.50%
▲ 1.72% above avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.78%▲ 1.72% above avg
Details
Rates as of July 1, 2026; Interest compounded & paid quarterly; Transfer any amount $1,000 or over from your Shares to a CD
Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 6 times
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Certificate of Deposit - 6-Month Promo
$500
4.50%
▲ 1.72% above avg
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.78%▲ 1.72% above avg
Details
6-Month CD Promo; APY valid for new money only; funds must be new to First Atlantic FCU
Rate History
No change since Oct 15, 2026 · 4.50% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
6 Month Certificate
$1,000
4.50%
▲ 1.72% above avg
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.78%▲ 1.72% above avg
Details
Account code 34; Interest compounded monthly; Fall into Savings Special: $5,000 New Money required for 4.50% APY, otherwise 4.00% APY
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
6 Month CD
$0
4.45%
▲ 1.67% above avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.67% above avg
Details
Balance: $500,000.00 minimum to open and obtain APY
Rate History
4 changes since Sep 8, 2026 · 4.14% → 4.45% ▲ 0.31 pts · high 4.45% / low 4.14%
- Oct 14, 20264.45%▲ from 4.35%
- Oct 7, 20264.35%▼ from 4.45%
- Sep 27, 20264.45%▲ from 4.35%
- Sep 18, 20264.35%▲ from 4.14%
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
6 Month Jumbo Share Certificates
$0
4.45%
▲ 1.67% above avg
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.78%▲ 1.67% above avg
Details
Balance: $300,000.00 and greater
Rate History
No change since Oct 9, 2026 · 4.45% APY · checked 3 times
Bank of South Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
300 E King Ave, Kingsville, TX 78363
6 Month CD Offer
$1,000
4.44%
▲ 1.66% above avg
▼
Rate4.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.66% above avg
Details
Featured Offer; $1,000.00 minimum opening deposit required to earn APY; APY effective as of 09/24/2026
Rate History
1 change since Sep 14, 2026 · 4.28% → 4.44% ▲ 0.16 pts · high 4.44% / low 4.28%
- Oct 3, 20264.44%▲ from 4.28%
- Sep 14, 20264.28%first recorded
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
126 N Grand Ave, Cowden, IL 62422
6-Month CD
$1,000
4.40%
▲ 1.62% above avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.62% above avg
Details
No additional details available.
Rate History
1 change since Sep 16, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 12, 20264.40%▲ from 4.35%
- Sep 16, 20264.35%first recorded
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
201 S Main St Fl 5, Salt Lake City, UT 84111
6 Month Preferred Certificate of Deposit (CD)
$1,000
4.40%
▲ 1.62% above avg
▼
Rate4.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.62% above avg
Details
Morgan Stanley Preferred CD; deposits in increments of $1,000
Rate History
No change since Oct 14, 2026 · 4.40% APY
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
15 S Main St, Deerfield, WI 53531
Certificate of Deposit - 6 Month
$500
4.40%
▲ 1.62% above avg
▼
Rate4.35%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.62% above avg
Details
Substantial Penalty for Early Withdrawal
Rate History
No change since Oct 14, 2026 · 4.40% APY
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
315 Croghan St, Fremont, OH 43420 3013
6 Month Share Certificate
$0
4.40%
▲ 1.62% above avg
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.78%▲ 1.62% above avg
Details
Type: Regular/IRA; Dividends compound & paid: Daily
Rate History
1 change since Sep 18, 2026 · 3.96% → 4.40% ▲ 0.44 pts · high 4.40% / low 3.96%
- Oct 15, 20264.40%▲ from 3.96%
- Sep 18, 20263.96%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
6-Month Certificate
$100
4.40%
▲ 1.62% above avg
▼
Rate4.31%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.78%▲ 1.62% above avg
Details
Minimum balance to open and earn APY: $100; dividends compounded and paid monthly; rates as of 09/29/26
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Oct 5, 20264.40%▲ from 4.30%
- Sep 14, 20264.30%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
341 Englewood Ave, Buffalo, NY 14223 2819
6 Month Certificate of Deposit
$1,000
4.40%
▲ 1.62% above avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.78%▲ 1.62% above avg
Details
No additional details available.
Rate History
1 change since Sep 25, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15%
- Oct 12, 20264.40%▲ from 4.15%
- Sep 25, 20264.15%first recorded
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
27 Pearl St, Portland, ME 04101
Propel Relationship CDs - 6-Month CD
$5,000
4.40%
▲ 1.62% above avg
▼
Rate4.31%
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.62% above avg
Details
Banking Center Only; Requires Propel Premier Checking and Propel Preferred Savings; APYs include additional 0.15% APY; Opening deposit must be new money; Minimum daily balance $0.01 to earn APY; Early withdrawal penalties may apply
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15%
- Oct 14, 20264.40%▲ from 4.15%
- Sep 18, 20264.15%first recorded
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
6 Month Certificate
$1,000
4.36%
▲ 1.58% above avg
▼
Rate4.32%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.78%▲ 1.58% above avg
Details
Early Withdrawal Penalty: 3 Month Interest
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.36% ▲ 0.54 pts · high 4.36% / low 3.82%
- Oct 7, 20264.36%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
Certificate IRA (Traditional & Roth) - 6 Month
$1,000
4.36%
▲ 1.58% above avg
▼
Rate4.29%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.58% above avg
Details
IRA certificate; $1,000 minimum to open and to obtain APY; automatically renews at maturity
Rate History
No change since Oct 10, 2026 · 4.36% APY · checked 2 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
6 Month CD
$0
4.35%
▲ 1.57% above avg
▼
Rate4.26%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.57% above avg
Details
No additional details available.
Rate History
2 changes since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 6, 20264.35%▲ from 4.25%
- Oct 1, 20264.25%▲ from 4.15%
- Sep 24, 20264.15%first recorded
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
6 Month Certificate of Deposit
$1,000
4.35%
▲ 1.57% above avg
▼
Rate4.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.57% above avg
Details
Minimum opening deposit $2,000 if purchased through Raymond James brokerage account; Rates effective October 9, 2026
Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.35% ▲ 0.15 pts · high 4.35% / low 4.20%
- Oct 7, 20264.35%▲ from 4.30%
- Sep 27, 20264.30%▲ from 4.20%
- Sep 18, 20264.20%first recorded
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
6 Month Fixed-rate Certificate of Deposit
$50,000
4.35%
▲ 1.57% above avg
▼
Rate4.35%
Min Deposit$50,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.57% above avg
Details
Interest paid quarterly via ACH; Withdrawal before maturity is not permitted
Rate History
No change since Oct 14, 2026 · 4.35% APY
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
350 Harrison Bridge Rd, Simpsonville, SC 29680
6 Month Term Share Certificates
$0
4.34%
▲ 1.56% above avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.78%▲ 1.56% above avg
Details
Balance: $100,001 and up
Rate History
No change since Sep 25, 2026 · 4.34% APY · checked 3 times
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
6 Month Share Certificates / Share Certificate IRA
$1,000
4.33%
▲ 1.55% above avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.78%▲ 1.55% above avg
Details
Minimum deposit to open a CD is $1,000; APY assumes dividends remain until maturity
Rate History
No change since Oct 15, 2026 · 4.33% APY
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
182 37th Ave N, Saint Petersburg, FL 33704
6-Month Penalty-Free CD
$500
4.33%
▲ 1.55% above avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.78%▲ 1.55% above avg
Details
No penalty for early withdrawals
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Sep 24, 20264.33%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
601 OLIVE ST, TEXARKANA, TX 75501
Certificate Programs - 6 Month
$0
4.33%
▲ 1.55% above avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.78%▲ 1.55% above avg
Details
Rate marked with *; rates subject to change without notice
Rate History
No change since Oct 15, 2026 · 4.33% APY
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
820 W Broadway, Louisville, KY 40202
6 Month Certificate
$0
4.33%
▲ 1.55% above avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.78%▲ 1.55% above avg
Details
No additional details available.
Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 5 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
4405 Summerhill Rd, Texarkana, TX 75503
6 Month TEAL Certificate
$250
4.33%
▲ 1.55% above avg
▼
Rate4.25%
Min Deposit$250
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.78%▲ 1.55% above avg
Details
Age: 13-17; Compounding: Monthly; $250 minimum
Rate History
No change since Oct 12, 2026 · 4.33% APY · checked 2 times
Collegedale Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
5046 University Drive, Collegedale, TN 37315
Term Share Certificate - 6 Months
$0
4.33%
▲ 1.55% above avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.55% above avg
Details
Rates effective September 18, 2026; Early withdrawal penalty applies
Rate History
No change since Oct 10, 2026 · 4.33% APY · checked 2 times
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
4624 W Napoleon Ave, Metairie, LA 70001 2492
Share Certificate - 6-Month
$1,000
4.33%
▲ 1.55% above avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.78%▲ 1.55% above avg
Details
Rate tier: Base Rate + 1.25%; Dividends paid monthly
Rate History
No change since Sep 18, 2026 · 4.33% APY · checked 4 times
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
Certificate of Deposit 6 Month
$0
4.32%
▲ 1.54% above avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.54% above avg
Details
Iowa residents in Polk, Jasper, and surrounding counties only; Balance: $50,000 to $245,000
Rate History
No change since Oct 14, 2026 · 4.32% APY
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
6 Month CD
$1,000
4.32%
▲ 1.54% above avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.54% above avg
Details
Balance: $100,000 & over; Penalty for early withdrawal applies; APY is based on quarterly compounding
Rate History
2 changes since Sep 20, 2026 · 4.22% → 4.32% ▲ 0.10 pts · high 4.32% / low 4.22%
- Oct 3, 20264.32%▲ from 4.27%
- Sep 24, 20264.27%▲ from 4.22%
- Sep 20, 20264.22%first recorded
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
1001 Post Rd, Darien, CT 06820
6 Month Prime Certificates of Deposit
$500
4.30%
▲ 1.52% above avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.52% above avg
Details
Minimum deposit of $500 to open the Prime CD and earn the APY; Substantial penalty for early withdrawal
Rate History
No change since Oct 8, 2026 · 4.30% APY · checked 3 times
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
3280 N University Ave, Provo, UT 84604
6 Month Business CD
$1,000
4.30%
▲ 1.52% above avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.52% above avg
Details
Effective as of October 14, 2026; Early withdrawal penalties may apply
Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 3 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
6 Month CD
$2,500
4.30%
▲ 1.52% above avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.52% above avg
Details
Business CD; Maximum deposit $250,000; Open online
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 14, 20264.30%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
6 Month FDIC-Insured Certificate of Deposit
$0
4.30%
▲ 1.52% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.78%▲ 1.52% above avg
Details
No additional details available.
Rate History
2 changes since Sep 24, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
- Oct 7, 20264.30%▲ from 4.25%
- Oct 3, 20264.25%▲ from 4.20%
- Sep 24, 20264.20%first recorded
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3305 Steck Ave Ste 275, Austin, TX 78757
6 Month CD
$1,000
4.30%
▲ 1.52% above avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.78%▲ 1.52% above avg
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
- Oct 7, 20264.30%▲ from 4.04%
- Sep 14, 20264.04%first recorded
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
2701 N Thanksgiving Way, Lehi, UT 84043
Consumer Certificate of Deposit - 6 months
$500
4.30%
▲ 1.52% above avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.78%▲ 1.52% above avg
Details
Maximum opening deposit $500,000.00; Guaranteed rate for the duration of the CD term; Rates may change prior to account opening
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
- Oct 8, 20264.30%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
1500 W American Dr, Neenah, WI 54956
Certificates of Deposits - 6 months
$1,000
4.30%
▲ 1.52% above avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.78%▲ 1.52% above avg
Details
Rates effective 09/24/2026; APY assumes dividends remain until maturity; dividends paid semi-annually and at maturity; early withdrawal penalties may apply
Rate History
No change since Oct 13, 2026 · 4.30% APY
Forward Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
410 Division St, Withee, WI 54498
6 Month CD
$500
4.25%
▲ 1.47% above avg
▼
Rate4.19%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.78%▲ 1.47% above avg
Details
Balance: $500 - $9,999.99
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 24, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
The Citizens Bank Enterprise, AL
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
301 S Edwards St, Enterprise, AL 36330
6-Month CD Special
$25,000
4.20%
▲ 1.42% above avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.42% above avg
Details
Limited-time special offer; requires a new account with at least $25,000 minimum deposit and new money; withdrawals reduce earnings and an early withdrawal penalty applies
Rate History
No change since Sep 19, 2026 · 4.20% APY · checked 8 times
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
64 Old Highway 22, Clinton, NJ 08809
6 Month CD
$1,000
4.20%
▲ 1.42% above avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.78%▲ 1.42% above avg
Details
Promotion CD; offer valid beginning September 28, 2026; Penalty for early withdrawal applies; Available for consumer, business, and IRA/Retirement CDs (business and IRA/Retirement must be opened in branch); Rates effective as of 9/28/2026
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
- Oct 2, 20264.20%▲ from 3.75%
- Sep 18, 20263.75%first recorded
12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.99% APY▲ 0.02% from last week
The national average 12-month CD rate is 2.99% APY as of October 15, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Southeast Missouri Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
312 W Main St, Park Hills, MO 63601 2544
12 Month Certificates of Deposit - Youth
$100
6.14%
▲ 3.15% above avg
▼
Rate6.00%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 3.15% above avg
Details
Youth certificate; $100.00 Minimum; $1000.00 Maximum
Rate History
No change since Oct 14, 2026 · 6.14% APY
Vacationland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2409 E Perkins Ave, Sandusky, OH 44870
12 Month Youth Certificates +
$500
6.03%
▲ 3.04% above avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.99%▲ 3.04% above avg
Details
Age: 19; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Rate History
No change since Sep 14, 2026 · 6.03% APY · checked 9 times
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
10461 White Granite Dr, Oakton, VA 22124
Flexible Saver - 1 Year Certificate
$100
6.00%
▲ 3.01% above avg
▼
Rate5.83%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.99%▲ 3.01% above avg
Details
No additional details available.
Rate History
No change since Sep 20, 2026 · 6.00% APY · checked 6 times
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
100 E Main St, Black River Falls, WI 54615
12 Month Youth Saver Certificate
$100
6.00%
▲ 3.01% above avg
▼
Rate5.87%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.99%▲ 3.01% above avg
Details
Youth certificate; $100 minimum, $3,000 maximum
Rate History
No change since Sep 14, 2026 · 6.00% APY · checked 8 times
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306
12 Month Relationship Certificate
$0
5.90%
▲ 2.91% above avg
▼
Rate5.75%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.99%▲ 2.91% above avg
Details
Balance: < $90,000; Terms Apply
Rate History
No change since Sep 25, 2026 · 5.90% APY · checked 4 times
Gundersen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1910 South Ave, La Crosse, WI 54601
Teenager (Age 13-17) - 12 Month Term (Deposit Certificiate)
$100
5.50%
▲ 2.51% above avg
▼
Rate5.39%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.99%▲ 2.51% above avg
Details
Ages: 13-17; Additional deposits not permitted; early withdrawal penalty 180 days interest
Rate History
No change since Oct 13, 2026 · 5.50% APY
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
55 Stevens St, Lockport, NY 14094 4229
1 Year Youth Share Certificate
$0
5.50%
▲ 2.51% above avg
▼
Rate5.35%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.99%▲ 2.51% above avg
Details
Balance: $50 - $5,000; Effective as of June 15, 2026
Rate History
No change since Oct 5, 2026 · 5.50% APY · checked 4 times
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
417 High St, Frankfort, KY 40601
Traditional Grow with Me 12-Month Certificate
$250
5.25%
▲ 2.26% above avg
▼
Rate5.13%
Min Deposit$250
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 2.26% above avg
Details
Available only for members under 18 years of age; Each member may only have one account; Maximum initial deposit $1,000; No more than $1,000 may be deposited for each year the account has been open; Early withdrawal penalties may apply; Youth Products (Regular, Traditional IRA, and Roth IRA)
Rate History
1 change since Sep 30, 2026 · 5.15% → 5.25% ▲ 0.10 pts · high 5.25% / low 5.15%
- Oct 1, 20265.25%▲ from 5.15%
- Sep 30, 20265.15%first recorded
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
1480 E Jefferson Ave, Detroit, MI 48207
12 Month Legacy CD
$5,000
5.15%
▲ 2.16% above avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.99%▲ 2.16% above avg
Details
Legacy CD: for those opening an account after a member passes away; funds must have been on deposit at DMCU at the time of death; two withdrawals without penalty, penalty on the third withdrawal and account closes; $5,000 minimum, $1,000,000 maximum deposit
Rate History
No change since Sep 18, 2026 · 5.15% APY · checked 5 times
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2711 Commercial Way, Montrose, CO 81401
12 Month DREAM Certificate
$100
5.12%
▲ 2.13% above avg
▼
Rate5.00%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.99%▲ 2.13% above avg
Details
Youth Share Certificate; Qualifying balance up to $1,000.00; add-on certificate
Rate History
No change since Sep 14, 2026 · 5.12% APY · checked 8 times
De Soto Mo Pac Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
2082 Rock Rd, De Soto, MO 63020 1052
1 Year Certificate of Deposit
$5,000
5.09%
▲ 2.10% above avg
▼
Rate5.00%
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.99%▲ 2.10% above avg
Details
Maximum $100,000.00 for each certificate; 90 penalty for early withdrawal; 10 day grace period at end of contract; Dividends are paid quarterly and deposited to certificate
Rate History
No change since Sep 14, 2026 · 5.09% APY · checked 6 times
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4997 Home Rd, Winston Salem, NC 27106
12 Month Special Limited Term Certificate
$5,000
5.00%
▲ 2.01% above avg
▼
Rate4.88%
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.99%▲ 2.01% above avg
Details
No additional details available.
Rate History
No change since Oct 9, 2026 · 5.00% APY · checked 3 times
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
IRA Certificate 12 Month Jumbo
$100,000
5.00%
▲ 2.01% above avg
▼
Rate4.88%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 2.01% above avg
Details
Jumbo certificate; cannot be opened online; visit any branch or call 1-800-877-6440
Rate History
No change since Oct 14, 2026 · 5.00% APY
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1402 W Stassney LN, Austin, TX 78745 2948
12 Month StartUP Share Certificate
$0
5.00%
▲ 2.01% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.99%▲ 2.01% above avg
Details
Maximum Balance: $1,000; Limit one StartUP Share Certificate per member; Dividends calculated on daily balance, paid monthly, and automatically transferred to Membership Savings Account
Rate History
No change since Sep 18, 2026 · 5.00% APY · checked 6 times
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
320 W 15th St Ste 128, Los Angeles, CA 90015 3092
12 Month Certificates
$0
5.00%
▲ 2.01% above avg
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.99%▲ 2.01% above avg
Details
Balance: $25,000; Rate* footnote: Rate = APR
Rate History
1 change since Sep 18, 2026 · 2.00% → 5.00% ▲ 3.00 pts · high 5.00% / low 2.00%
- Oct 9, 20265.00%▲ from 2.00%
- Sep 18, 20262.00%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular and Special Share Certificates - 1 year
$500
4.95%
▲ 1.96% above avg
▼
Rate4.83%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.96% above avg
Details
Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.95% APY
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
12 Month Certificates of Deposit
$0
4.75%
▲ 1.76% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.99%▲ 1.76% above avg
Details
No additional details available.
Rate History
2 changes since Sep 20, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
- Oct 12, 20264.75%▲ from 4.40%
- Oct 4, 20264.40%▲ from 4.35%
- Sep 20, 20264.35%first recorded
Stanford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
1860 Embarcadero Rd, Palo Alto, CA 94303 3335
12-Month Certificate
$100
4.70%
▲ 1.71% above avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.99%▲ 1.71% above avg
Details
Today's best rate; includes .50 bonus for active and engaged Loyalty+ members; membership eligibility and checking or savings account required
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.70% ▲ 0.70 pts · high 4.70% / low 4.00%
- Sep 21, 20264.70%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
12 Month Jumbo Certificates of Deposit
$0
4.70%
▲ 1.71% above avg
▼
Rate4.60%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.71% above avg
Details
Balance: $250,000.00 and over
Rate History
1 change since Sep 14, 2026 · 4.33% → 4.70% ▲ 0.36 pts · high 4.70% / low 4.33%
- Oct 14, 20264.70%▲ from 4.33%
- Sep 14, 20264.33%first recorded
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
676 Magnolia Ave, Port Neches, TX 77651
12 Month Certificate
$0
4.65%
▲ 1.66% above avg
▼
Rate4.55%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.99%▲ 1.66% above avg
Details
Certificate Rates (100,000 minimum balance)
Rate History
No change since Sep 17, 2026 · 4.65% APY · checked 4 times
PSB of Plainview
Institution Rating:
A-4.7 ★Texas Ratio: 9.93%
100 4th Ave Se, Plainview, MN 55964
12 Month Certificate
$0
4.63%
▲ 1.64% above avg
▼
Rate4.55%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.99%▲ 1.64% above avg
Details
Balance: $35,000+
Rate History
1 change since Sep 14, 2026 · 3.55% → 4.63% ▲ 1.08 pts · high 4.63% / low 3.55%
- Sep 24, 20264.63%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Credit One Bank, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
6801 S Cimarron Rd, Las Vegas, NV 89113
12 Month High Yield Jumbo CD
$100,000
4.60%
▲ 1.61% above avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.61% above avg
Details
$100,000 minimum balance required to open and to earn stated APY; Earn Loyalty Rates when you renew your CD
Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.60% ▲ 0.30 pts · high 4.60% / low 4.30%
- Oct 14, 20264.60%▲ from 4.50%
- Oct 7, 20264.50%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
201 S Main St Fl 5, Salt Lake City, UT 84111
12 Month Preferred Certificate of Deposit (CD)
$1,000
4.60%
▲ 1.61% above avg
▼
Rate4.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.61% above avg
Details
Morgan Stanley Preferred CD; deposits in increments of $1,000
Rate History
No change since Oct 14, 2026 · 4.60% APY
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
12 Month CD
$0
4.60%
▲ 1.61% above avg
▼
Rate4.60%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.61% above avg
Details
Balance: $500,000.00 minimum to open and obtain APY
Rate History
3 changes since Sep 8, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
- Oct 2, 20264.60%▲ from 4.50%
- Sep 24, 20264.50%▲ from 4.40%
- Sep 18, 20264.40%▲ from 4.20%
- Sep 8, 20264.20%first recorded
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
12 Month Certificate of Deposit
$1,000
4.60%
▲ 1.61% above avg
▼
Rate4.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.61% above avg
Details
Minimum opening deposit $2,000 if purchased through Raymond James brokerage account; Rates effective October 9, 2026
Rate History
2 changes since Sep 18, 2026 · 4.35% → 4.60% ▲ 0.25 pts · high 4.60% / low 4.35%
- Oct 7, 20264.60%▲ from 4.45%
- Sep 27, 20264.45%▲ from 4.35%
- Sep 18, 20264.35%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
12-Month IRA
$0
4.60%
▲ 1.61% above avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.99%▲ 1.61% above avg
Details
IRA Rates; Footnote 4: minimum initial deposit $1,000 for Traditional and Roth IRA Certificates, $500 for Educational IRA Certificates; Dividends are compounded daily and paid quarterly
Rate History
1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
- Oct 8, 20264.60%▲ from 4.08%
- Sep 16, 20264.08%first recorded
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
4770 Buford Hwy, Chamblee, GA 30341
Rewards Certificate 12 Months
$1,000
4.59%
▲ 1.60% above avg
▼
Rate4.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.99%▲ 1.60% above avg
Details
Tenure: 20+ Yrs; Active Checking: Yes
Rate History
No change since Oct 8, 2026 · 4.59% APY · checked 2 times
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
12-Month CD
$100,000
4.59%
▲ 1.60% above avg
▼
Rate4.50%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.99%▲ 1.60% above avg
Details
Balance tier: $100.000.00
Rate History
1 change since Sep 14, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
- Oct 5, 20264.59%▲ from 4.33%
- Sep 14, 20264.33%first recorded
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2485 Village View Dr, Henderson, NV 89074
12 Month CERTIFICATES OF DEPOSIT
$0
4.58%
▲ 1.59% above avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.99%▲ 1.59% above avg
Details
No additional details available.
Rate History
1 change since Sep 24, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
- Oct 7, 20264.58%▲ from 4.32%
- Sep 24, 20264.32%first recorded
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
425 Neptune Ave, Brooklyn, NY 11224 4559
1 Year Certificate
$500
4.58%
▲ 1.59% above avg
▼
Rate4.50%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.99%▲ 1.59% above avg
Details
Certificate Type (Term): 1 Year (12 months); Early withdrawal penalty: 120 days simple interest
Rate History
No change since Oct 5, 2026 · 4.58% APY · checked 3 times
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1313 Main St, Vancouver, WA 98660 2918
12 Month First CD
$10,000
4.58%
▲ 1.59% above avg
▼
Rate4.50%
Min Deposit$10,000
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.99%▲ 1.59% above avg
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.50% → 4.58% ▲ 0.08 pts · high 4.58% / low 4.50%
- Sep 26, 20264.58%▲ from 4.50%
- Sep 14, 20264.50%first recorded
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
1 Year FDIC-Insured Certificate of Deposit
$0
4.55%
▲ 1.56% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.99%▲ 1.56% above avg
Details
No additional details available.
Rate History
3 changes since Sep 24, 2026 · 4.35% → 4.55% ▲ 0.20 pts · high 4.55% / low 4.35%
- Oct 7, 20264.55%▲ from 4.50%
- Oct 3, 20264.50%▲ from 4.37%
- Sep 27, 20264.37%▲ from 4.35%
- Sep 24, 20264.35%first recorded
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
27 Pearl St, Portland, ME 04101
Propel Relationship CDs - 1 Year CD
$5,000
4.55%
▲ 1.56% above avg
▼
Rate4.46%
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.56% above avg
Details
Banking Center Only; Requires Propel Premier Checking and Propel Preferred Savings; APYs include additional 0.15% APY; Opening deposit must be new money; Minimum daily balance $0.01 to earn APY; Early withdrawal penalties may apply
Rate History
1 change since Sep 18, 2026 · 4.25% → 4.55% ▲ 0.30 pts · high 4.55% / low 4.25%
- Oct 14, 20264.55%▲ from 4.25%
- Sep 18, 20264.25%first recorded
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
12 Month Share Certificates (CDs) - Jumbo
$1,000
4.53%
▲ 1.54% above avg
▼
Rate4.43%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.99%▲ 1.54% above avg
Details
Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.
Rate History
No change since Oct 13, 2026 · 4.53% APY
T Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.09%
16200 Dallas Pkwy, Dallas, TX 75248
12 Month CD
$1,000
4.52%
▲ 1.53% above avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.53% above avg
Details
Branch; Annual Percentage Yield (APY) Branch $1,000 Minimum Deposit
Rate History
1 change since Sep 14, 2026 · 4.16% → 4.52% ▲ 0.36 pts · high 4.52% / low 4.16%
- Oct 14, 20264.52%▲ from 4.16%
- Sep 14, 20264.16%first recorded
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
12 Month Fixed-rate Certificate of Deposit
$50,000
4.51%
▲ 1.52% above avg
▼
Rate4.51%
Min Deposit$50,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.52% above avg
Details
Interest paid quarterly via ACH; Withdrawal before maturity is not permitted
Rate History
No change since Oct 14, 2026 · 4.51% APY
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
12 Month CD
$0
4.50%
▲ 1.51% above avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.51% above avg
Details
No additional details available.
Rate History
2 changes since Sep 24, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 6, 20264.50%▲ from 4.40%
- Oct 1, 20264.40%▲ from 4.25%
- Sep 24, 20264.25%first recorded
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
125 S West St, Wilmington, DE 19801
12 Month Online CD
$0
4.50%
▲ 1.51% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.51% above avg
Details
No additional details available.
Rate History
1 change since Oct 7, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 14, 20264.50%▲ from 4.25%
- Oct 7, 20264.25%first recorded
Northern Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.93%
275 Mishawum Rd, Woburn, MA 01801
Premium Certificate of Deposit - 12 months
$500
4.50%
▲ 1.51% above avg
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.51% above avg
Details
In-Branch Only; Must Open In-Branch
Rate History
No change since Oct 14, 2026 · 4.50% APY
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2222 W Shaw Ave, Fresno, CA 93711 3419
Share Saver Certificate - 12-Month Term
$500
4.50%
▲ 1.51% above avg
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.99%▲ 1.51% above avg
Details
Balance: $500 (maximum principal balance)
Rate History
No change since Oct 9, 2026 · 4.50% APY · checked 3 times
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
495 Summer St, Boston, MA 02210
12 Month IRA Certificates
$500
4.50%
▲ 1.51% above avg
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.99%▲ 1.51% above avg
Details
Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.
Rate History
1 change since Sep 24, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
- Oct 4, 20264.50%▲ from 3.75%
- Sep 24, 20263.75%first recorded
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
8815 Lima Rd, Fort Wayne, IN 46818 1856
Traditional 12-Month IRA Certificate - Premier Member
$500
4.50%
▲ 1.51% above avg
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.99%▲ 1.51% above avg
Details
Premier member rate; APY | Dividend Rate; minimum balance to open an IRA certificate is $500; Traditional & Roth Certificates Rates
Rate History
No change since Oct 12, 2026 · 4.50% APY · checked 2 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
12 Month Share Certificates - 1
$0
4.50%
▲ 1.51% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.99%▲ 1.51% above avg
Details
No additional details available.
Rate History
No change since Sep 30, 2026 · 4.50% APY · checked 3 times
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
12 Month Certificate
$500
4.50%
▲ 1.51% above avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.99%▲ 1.51% above avg
Details
Dividends compounded and credited monthly; Rates effective as of October 13, 2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Sep 29, 20264.50%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
535 Chestnut St, Chattanooga, TN 37402
12 Month Business Share Certificate
$1,000
4.50%
▲ 1.51% above avg
▼
Rate4.43%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.99%▲ 1.51% above avg
Details
$1,000 minimum opening deposit required; penalty applies for early withdrawal
Rate History
1 change since Oct 8, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 15, 20264.50%▲ from 4.25%
- Oct 8, 20264.25%first recorded
AmeriCU Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
1916 Black River Blvd N, Rome, NY 13440 2430
12 Month Share Certificates
$0
4.50%
▲ 1.51% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.51% above avg
Details
3, 6, and 12-month share certificates; APY fixed for initial term; withdrawals subject to early withdrawal penalties; membership eligibility required; Insured by NCUA; APYs current as of 13th October 2026
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 10, 20264.50%▲ from 4.00%
- Sep 18, 20264.00%first recorded
USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
411 Theodore Fremd Ave, Rye, NY 10580
12 Month Certificate
$0
4.50%
▲ 1.51% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.51% above avg
Details
Special Rate; featured rate from homepage; View all rate specials
Rate History
1 change since Sep 14, 2026 · 4.36% → 4.50% ▲ 0.14 pts · high 4.50% / low 4.36%
- Oct 1, 20264.50%▲ from 4.36%
- Sep 14, 20264.36%first recorded
Freedom Bank Alamo, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
533 N Alamo Rd, Alamo, TX 78516
12-Month IRA CD Account
$0
4.50%
▲ 1.51% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.51% above avg
Details
Minimum daily balance of $1,000.00 must be maintained; promotional rate requires opening deposit not originating from pre-existing Freedom Bank account funds; rate applies to a maximum of $250,000.00 FDIC coverage per customer relationship; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.50% ▲ 0.68 pts · high 4.50% / low 3.82%
- Sep 24, 20264.50%▲ from 3.82%
- Sep 14, 20263.82%first recorded
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
11 W Ridgely Rd, Lutherville, MD 21093
12 Month CD Online and In Branch
$500
4.46%
▲ 1.47% above avg
▼
Rate4.37%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.47% above avg
Details
No additional deposits after initial deposit.
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.46% ▲ 0.16 pts · high 4.46% / low 4.30%
- Oct 7, 20264.46%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Comenity Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.12%
1 Righter Pkwy, Wilmington, DE 19803
1-year CD
$1,500
4.45%
▲ 1.46% above avg
▼
Rate—
Min Deposit$1,500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.46% above avg
Details
Retirement CD; fixed rate
Rate History
1 change since Sep 19, 2026 · 4.25% → 4.45% ▲ 0.20 pts · high 4.45% / low 4.25%
- Oct 11, 20264.45%▲ from 4.25%
- Sep 19, 20264.25%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
12 Month CD
$1,000
4.45%
▲ 1.46% above avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.46% above avg
Details
APY accurate as of 09/24/2026; APY assumes interest remains on deposit until maturity
Rate History
No change since Sep 18, 2026 · 4.45% APY · checked 7 times
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
241 E Saginaw St, East Lansing, MI 48823
Certificate of Deposit - 12 Month Special
$0
4.45%
▲ 1.46% above avg
▼
Rate4.38%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.46% above avg
Details
Minimum balance $1,000 to obtain the APY; APY assumes principal and interest remain on deposit until maturity; early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 4.45% APY
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2431 E 61st St, Tulsa, OK 74136
12 Month CD
$0
4.45%
▲ 1.46% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.46% above avg
Details
Special Rates; Offer ends November 24; Online Consumer Offer Only; Online Only
Rate History
2 changes since Sep 18, 2026 · 4.15% → 4.45% ▲ 0.30 pts · high 4.45% / low 4.15%
- Oct 14, 20264.45%▲ from 4.30%
- Sep 24, 20264.30%▲ from 4.15%
- Sep 18, 20264.15%first recorded
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
12-month online CD
$25,000
4.45%
▲ 1.46% above avg
▼
Rate4.35%
Min Deposit$25,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.46% above avg
Details
Online Only; Interest Rate: 4.35%; Maximum $1,000,000 per client
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
- Oct 2, 20264.45%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Bread Financial
Institution Rating:
B4.5 ★Texas Ratio: 21.05%
12921 S Vista Station Blvd, Draper, UT 84020
1-year CD
$1,500
4.45%
▲ 1.46% above avg
▼
Rate—
Min Deposit$1,500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.46% above avg
Details
Retirement CD (IRA); fixed rate; early withdrawal penalty applies; automatically renews at maturity
Rate History
1 change since Sep 18, 2026 · 4.25% → 4.45% ▲ 0.20 pts · high 4.45% / low 4.25%
- Oct 14, 20264.45%▲ from 4.25%
- Sep 18, 20264.25%first recorded
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
4th Street And Lafayette Avenue, Palmerton, PA 18071
1 Year (12 Month) Adjustable CD
$5,000
4.44%
▲ 1.45% above avg
▼
Rate4.37%
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.45% above avg
Details
Adjustable rate; Open account in person
Rate History
1 change since Sep 19, 2026 · 4.09% → 4.44% ▲ 0.35 pts · high 4.44% / low 4.09%
- Oct 7, 20264.44%▲ from 4.09%
- Sep 19, 20264.09%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
12 Month New Money CD
$1,000
4.40%
▲ 1.41% above avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.41% above avg
Details
Minimum balance to open account online: $1,000; Online only; Early withdrawal penalty may apply
Rate History
1 change since Sep 27, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 14, 20264.40%▲ from 4.35%
- Sep 27, 20264.35%first recorded
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Delaware Ave Ste 1401, Wilmington, DE 19801
New Money CD - 12 Month
$1,000
4.40%
▲ 1.41% above avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.41% above avg
Details
Online Only; Minimum balance to open account online: $1,000; Not available to business customers
Rate History
1 change since Sep 28, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 14, 20264.40%▲ from 4.35%
- Sep 28, 20264.35%first recorded
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
108 S Barnes St, What Cheer, IA 50268
6-12 Month CD Special
$0
4.35%
▲ 1.36% above avg
▼
Rate4.28%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.36% above avg
Details
Pick Your Term CD Specials; Special interest rate and APY, offered only on a limited time basis
Rate History
1 change since Oct 3, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 8, 20264.35%▲ from 4.15%
- Oct 3, 20264.15%first recorded
NexBank
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
2515 Mckinney Ave, Dallas, TX 75201
12 month Promotional Online CD
$25,000
4.35%
▲ 1.36% above avg
▼
Rate4.28%
Min Deposit$25,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.99%▲ 1.36% above avg
Details
Opening balance $25,000.00 - $240,000.00; funds must be new money, not from an existing NexBank CD
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.35% ▲ 0.40 pts · high 4.35% / low 3.95%
- Oct 14, 20264.35%▲ from 3.95%
- Sep 14, 20263.95%first recorded
18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.88% APY▲ 0.02% from last week
The national average 18-month CD rate is 2.88% APY as of October 15, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
37570 S Gratiot Ave, Clinton Township, MI 48036
18-Month Special - Military
$500
5.25%
▲ 2.37% above avg
▼
Rate5.13%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.88%▲ 2.37% above avg
Details
Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
Rate History
No change since Oct 9, 2026 · 5.25% APY · checked 3 times
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
2725 35th Ave N, Birmingham, AL 35207 2839
18 Month Share Certificate
$500
5.00%
▲ 2.12% above avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.88%▲ 2.12% above avg
Details
No additional details available.
Rate History
No change since Oct 9, 2026 · 5.00% APY · checked 2 times
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
900 E 8th St, Washington, MO 63090
18 Month YOUTH Fair CD Special
$0
4.90%
▲ 2.02% above avg
▼
Rate4.79%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.88%▲ 2.02% above avg
Details
See Fair Special options; Preferred Rate with any checking account; Rate: 4.89%, APY: 5.00%
Rate History
No change since Sep 11, 2026 · 4.90% APY · checked 7 times
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
18 Month Certificate of Deposit
$1,000
4.85%
▲ 1.97% above avg
▼
Rate4.74%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.97% above avg
Details
Minimum opening deposit $2,000 if purchased through Raymond James brokerage account; Rates effective October 9, 2026
Rate History
3 changes since Sep 18, 2026 · 4.55% → 4.85% ▲ 0.30 pts · high 4.90% / low 4.55%
- Oct 14, 20264.85%▼ from 4.90%
- Oct 7, 20264.90%▲ from 4.65%
- Sep 27, 20264.65%▲ from 4.55%
- Sep 18, 20264.55%first recorded
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
18 mo Variable Rate IRA - 18 mo Certificate of Deposit
$500
4.84%
▲ 1.96% above avg
▼
Rate4.75%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.88%▲ 1.96% above avg
Details
Interest Credited: Quarterly; Variable
Rate History
No change since Sep 14, 2026 · 4.84% APY · checked 6 times
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
201 S Main St Fl 5, Salt Lake City, UT 84111
18 Month Preferred Certificate of Deposit (CD)
$1,000
4.80%
▲ 1.92% above avg
▼
Rate4.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.92% above avg
Details
Morgan Stanley Preferred CD; deposits in increments of $1,000
Rate History
No change since Oct 14, 2026 · 4.80% APY
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
18 Month FDIC-Insured Certificate of Deposit
$0
4.75%
▲ 1.87% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.88%▲ 1.87% above avg
Details
No additional details available.
Rate History
3 changes since Sep 24, 2026 · 4.50% → 4.75% ▲ 0.25 pts · high 4.75% / low 4.50%
- Oct 11, 20264.75%▲ from 4.70%
- Oct 3, 20264.70%▲ from 4.55%
- Sep 27, 20264.55%▲ from 4.50%
- Sep 24, 20264.50%first recorded
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
100 E Main St, Black River Falls, WI 54615
IRA Certificates - 18 month
$1,000
4.75%
▲ 1.87% above avg
▼
Rate4.67%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.88%▲ 1.87% above avg
Details
Substantial penalty for early withdrawal
Rate History
No change since Oct 13, 2026 · 4.75% APY
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
PROMO Business Share Certificates 18 Months
$50,000
4.75%
▲ 1.87% above avg
▼
Rate4.65%
Min Deposit$50,000
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.88%▲ 1.87% above avg
Details
Promo; 25% of opening deposit must be new money; at maturity converts to regular certificate; early withdrawal penalty applies
Rate History
No change since Oct 15, 2026 · 4.75% APY
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2485 Village View Dr, Henderson, NV 89074
18 Month CERTIFICATES OF DEPOSIT
$0
4.73%
▲ 1.85% above avg
▼
Rate4.65%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.88%▲ 1.85% above avg
Details
No additional details available.
Rate History
1 change since Sep 24, 2026 · 4.47% → 4.73% ▲ 0.26 pts · high 4.73% / low 4.47%
- Oct 7, 20264.73%▲ from 4.47%
- Sep 24, 20264.47%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
18 Month CD
$0
4.65%
▲ 1.77% above avg
▼
Rate4.54%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.77% above avg
Details
No additional details available.
Rate History
2 changes since Sep 24, 2026 · 4.35% → 4.65% ▲ 0.30 pts · high 4.65% / low 4.35%
- Oct 6, 20264.65%▲ from 4.55%
- Oct 1, 20264.55%▲ from 4.35%
- Sep 24, 20264.35%first recorded
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
Super Flex Term CD Special (6-18 months)
$0
4.65%
▲ 1.77% above avg
▼
Rate4.55%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.88%▲ 1.77% above avg
Details
Specials; Dividend Rate and APY as printed
Rate History
No change since Oct 15, 2026 · 4.65% APY
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
18 Month Jumbo Certificates - Star Member
$0
4.65%
▲ 1.77% above avg
▼
Rate4.57%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.88%▲ 1.77% above avg
Details
Open Now; Star Member rate (requires $25,000 combined deposits and/or loans)
Rate History
No change since Oct 12, 2026 · 4.65% APY · checked 2 times
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
30 Lisbon St, Lewiston, ME 04240
18 Month Variable Rate IRA CD
$500
4.64%
▲ 1.76% above avg
▼
Rate4.54%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.76% above avg
Details
Available only as an IRA; $500 minimum to open and obtain APY; APY assumes interest remains on deposit until maturity; early withdrawal penalty applies
Rate History
1 change since Sep 19, 2026 · 4.23% → 4.64% ▲ 0.41 pts · high 4.64% / low 4.23%
- Oct 11, 20264.64%▲ from 4.23%
- Sep 19, 20264.23%first recorded
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
18207 Burnham Ave, Lansing, IL 60438
18 Month Variable Rate Certificate
$1,000
4.62%
▲ 1.74% above avg
▼
Rate4.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.88%▲ 1.74% above avg
Details
Rate changes quarterly-Quarterly compounding-$100.00 minimum additions permitted-IRA fund also permitted
Rate History
1 change since Sep 24, 2026 · 4.04% → 4.62% ▲ 0.58 pts · high 4.62% / low 4.04%
- Oct 3, 20264.62%▲ from 4.04%
- Sep 24, 20264.04%first recorded
Somerset Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
220 W Union Ave, Bound Brook, NJ 08805
Variable IRA - 18 Month
$100
4.60%
▲ 1.72% above avg
▼
Rate4.50%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.72% above avg
Details
Variable IRA; rate and yield may change during the term; additional deposits in increments of $50 or more without extending the term; substantial penalty for early withdrawal
Rate History
1 change since Sep 20, 2026 · 4.11% → 4.60% ▲ 0.49 pts · high 4.60% / low 4.11%
- Oct 3, 20264.60%▲ from 4.11%
- Sep 20, 20264.11%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
825 Goethals Dr, Richland, WA 99352
18 Month Certificate Accounts
$0
4.60%
▲ 1.72% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.72% above avg
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.60% ▲ 0.50 pts · high 4.60% / low 4.10%
- Oct 14, 20264.60%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular and Special Share Certificates - 18 month
$500
4.60%
▲ 1.72% above avg
▼
Rate4.50%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.72% above avg
Details
Auto-renews at next highest term Share Certificate unless withdrawn at maturity; not offered on Individual Retirement Accounts; early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.60% APY
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
315 Croghan St, Fremont, OH 43420 3013
18 Month Share Certificate
$0
4.55%
▲ 1.67% above avg
▼
Rate4.46%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.88%▲ 1.67% above avg
Details
Type: Regular/IRA; Dividends compound & paid: Daily
Rate History
1 change since Sep 18, 2026 · 4.11% → 4.55% ▲ 0.44 pts · high 4.55% / low 4.11%
- Oct 15, 20264.55%▲ from 4.11%
- Sep 18, 20264.11%first recorded
Carolina Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
2518 Main St, Conway, SC 29526 3365
18 Month Variable Rate IRA Certificate
$0
4.54%
▲ 1.66% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.88%▲ 1.66% above avg
Details
IRA; Variable rate; subject to change on the last Thursday of the month without prior notice; penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.54% ▲ 0.47 pts · high 4.54% / low 4.07%
- Oct 5, 20264.54%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
18 Month IRA Share Certificates
$500
4.54%
▲ 1.66% above avg
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.88%▲ 1.66% above avg
Details
New Money only (funds not currently on deposit with RGCU)
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.54% ▲ 0.52 pts · high 4.54% / low 4.02%
- Sep 29, 20264.54%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
18 Month Fixed-rate Certificate of Deposit
$50,000
4.51%
▲ 1.63% above avg
▼
Rate4.51%
Min Deposit$50,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.63% above avg
Details
Interest paid quarterly via ACH; Withdrawal before maturity is not permitted
Rate History
No change since Oct 14, 2026 · 4.51% APY
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
11 W Ridgely Rd, Lutherville, MD 21093
18 Month CD Online and In Branch
$500
4.50%
▲ 1.62% above avg
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details
No additional deposits after initial deposit.
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 7, 20264.50%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Credit One Bank, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
6801 S Cimarron Rd, Las Vegas, NV 89113
18 Month High Yield Jumbo CD
$0
4.50%
▲ 1.62% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details
10-Day Rate Guarantee
Rate History
1 change since Sep 18, 2026 · 4.45% → 4.50% ▲ 0.05 pts · high 4.50% / low 4.45%
- Oct 2, 20264.50%▲ from 4.45%
- Sep 18, 20264.45%first recorded
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
125 S West St, Wilmington, DE 19801
18 Month Online CD
$0
4.50%
▲ 1.62% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details
No additional details available.
Rate History
1 change since Oct 7, 2026 · 3.00% → 4.50% ▲ 1.50 pts · high 4.50% / low 3.00%
- Oct 14, 20264.50%▲ from 3.00%
- Oct 7, 20263.00%first recorded
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2431 E 61st St, Tulsa, OK 74136
18 Month CD
$0
4.50%
▲ 1.62% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details
Special Rates; Offer ends November 24; Online Consumer Offer Only; Online Only
Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 14, 20264.50%▲ from 4.40%
- Sep 24, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
227 N Lafayette St, Corder, MO 64021
IRA Certificate - 18 MONTHS
$500
4.50%
▲ 1.62% above avg
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details
IRA; Compound period: Semi-Annually
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%
- Oct 14, 20264.50%▲ from 4.35%
- Sep 14, 20264.35%first recorded
First Federal S&L of Van Wert
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
679 Fox Rd, Van Wert, OH 45891
18 Month Certificate of Deposit
$0
4.50%
▲ 1.62% above avg
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details
NEW Special; Compound Frequency: Monthly; $2,500 minimum balance for monthly compound CD
Rate History
No change since Oct 14, 2026 · 4.50% APY
Armstrong County Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
935 5th Ave, Ford City, PA 16226
18 Month SEP IRA Certificate
$0
4.50%
▲ 1.62% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details
IRA opened BEFORE November 1st, 2002
Rate History
1 change since Sep 19, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
- Oct 14, 20264.50%▲ from 3.75%
- Sep 19, 20263.75%first recorded
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
18 Month Certificate
$500
4.50%
▲ 1.62% above avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details
Dividends compounded and credited monthly; Rates effective as of October 13, 2026
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
- Sep 29, 20264.50%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ 85282
18-Month Special Certificate
$500
4.50%
▲ 1.62% above avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details
No additional details available.
Rate History
No change since Oct 13, 2026 · 4.50% APY
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
18 Month Jumbo Certificate
$0
4.50%
▲ 1.62% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 6 times
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
300 S Plumosa St, Merritt Island, FL 32952
18 Month Business Share Certificate
$0
4.50%
▲ 1.62% above avg
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details
No additional details available.
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 6 times
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX 77520 2076
18 Month CD
$0
4.50%
▲ 1.62% above avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%
- Oct 1, 20264.50%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
3012 S 1900 W, Ogden, UT 84401
18 Month Certificate
$500
4.50%
▲ 1.62% above avg
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details
Dividend paid monthly
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 13, 20264.50%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
18-month IRA TSC
$1,000
4.50%
▲ 1.62% above avg
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details
Traditional IRA; Dividend Rate 4.41%; Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Utah Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
360 W 4800 N, Provo, UT 84604
18 Month Certificate
$0
4.50%
▲ 1.62% above avg
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details
No additional details available.
Rate History
No change since Oct 6, 2026 · 4.50% APY · checked 2 times
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
184 John Clarke Rd, Middletown, RI 02842
18 Month Personal CD - Limited Time Offer
$1,000
4.50%
▲ 1.62% above avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details
New Money Only; funds on deposit with BankNewport less than 30 days; BankNewport personal checking account required for CD specials; penalty for early withdrawal; offer may be withdrawn at any time
Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 2 times
PARISHIONERS
Institution Rating:
B+4.7 ★Texas Ratio: 18.39%
2355 Crenshaw Blvd Ste 100, Torrance, CA 90501
18-Month Certificate
$0
4.50%
▲ 1.62% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details
Limited time only; Earn up to 4.50% APY
Rate History
No change since Oct 14, 2026 · 4.50% APY
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1440 Rosecrans Ave, Manhattan Beach, CA 90266
18-Month Promo Certificate
$100,000
4.50%
▲ 1.62% above avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details
$100,000 min. to open
Rate History
2 changes since Sep 25, 2026 · 4.50% → 4.50% ▼ 0.00 pts · high 4.50% / low 4.35%
- Oct 8, 20264.50%▲ from 4.35%
- Oct 4, 20264.35%▼ from 4.50%
- Sep 25, 20264.50%first recorded
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
11001 Hermitage Rd, LIttle Rock, AR 72211
18 Month Jumbo Share and IRA Certificate - Fixed
$100,000
4.50%
▲ 1.62% above avg
▼
Rate4.43%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details
Minimum to Earn Dividends: $100,000; Promotional rate for a limited time on new money only
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
North Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.82%
109 Central Ave N, Maddock, ND 58348
Youth 18 Month
$100
4.50%
▲ 1.62% above avg
▼
Rate4.45%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details
Must be under 18 to open. 18M 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
Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 2 times
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
639 S Delaware St, Indianapolis, IN 46225
18 Month Share Certificate
$1,000
4.50%
▲ 1.62% above avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.88%▲ 1.62% above avg
Details
Primary members under 18: $500 minimum deposit; Penalty for early withdrawal
Rate History
No change since Oct 15, 2026 · 4.50% APY
Cranberry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2203 Cranberry Hwy, West Wareham, MA 02576 1210
18-Month CD
$500
4.49%
▲ 1.61% above avg
▼
Rate4.40%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.88%▲ 1.61% above avg
Details
Balance tier: $500.00
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.49% ▲ 0.47 pts · high 4.49% / low 4.02%
- Oct 5, 20264.49%▲ from 4.02%
- Sep 14, 20264.02%first recorded
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
3227 Schneider Ave SE, Menomonie, WI 54751
18 Month Variable Rate IRA - Basic MVP Level
$0
4.49%
▲ 1.61% above avg
▼
Rate4.39%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.88%▲ 1.61% above avg
Details
Compounded: Daily; MVP Level: Basic
Rate History
No change since Oct 13, 2026 · 4.49% APY
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
316 NC Hwy 149 N, Plymouth, NC 27962
18 Month Share Certificate
$500
4.49%
▲ 1.61% above avg
▼
Rate4.40%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.88%▲ 1.61% above avg
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.49% ▲ 0.93 pts · high 4.49% / low 3.56%
- Oct 13, 20264.49%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Iowa Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
116 Main St, Williams, IA 50271
18 Month Certificate Special
$0
4.45%
▲ 1.57% above avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.57% above avg
Details
Special rate
Rate History
No change since Sep 27, 2026 · 4.45% APY · checked 3 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
18 Month Jumbo CD
$50,000
4.45%
▲ 1.57% above avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.88%▲ 1.57% above avg
Details
Senior
Rate History
2 changes since Sep 21, 2026 · 3.90% → 4.45% ▲ 0.55 pts · high 4.45% / low 3.90%
- Oct 13, 20264.45%▲ from 4.25%
- Oct 5, 20264.25%▲ from 3.90%
- Sep 21, 20263.90%first recorded
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1512 Gause Blvd, Slidell, LA 70458
18-Month Regular Certificate or IRA Certificate
$10,000
4.45%
▲ 1.57% above avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.88%▲ 1.57% above avg
Details
Minimum deposit: $10,000
Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 3 times
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificates - 18 Months
$0
4.45%
▲ 1.57% above avg
▼
Rate4.36%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.88%▲ 1.57% above avg
Details
Penalty: 120 Days
Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 3 times
Lake Shore Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
128 E 4th St, Dunkirk, NY 14048
18-Month CD
$500
4.44%
▲ 1.56% above avg
▼
Rate4.34%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.56% above avg
Details
New money only; funds not currently or previously on deposit with Lake Shore Bank; financial institutions ineligible; $500 minimum deposit required to open any CD
Rate History
No change since Oct 14, 2026 · 4.44% APY
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
3580 Ep True Pkwy, West Des Moines, IA 50265
Certificate of Deposit - 18 Months
$0
4.42%
▲ 1.54% above avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.54% above avg
Details
Minimum balance to obtain APY is $1,000; APY as of 10/9/2026 and may be discontinued at any time; offer limited to new, consumer certificates only; early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 4.42% APY
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
15201 Diamondback Dr, Rockville, MD 20850 3312
18 Month Certificate of Deposit (CD)
$0
4.41%
▲ 1.53% above avg
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.88%▲ 1.53% above avg
Details
APR shown as rate; YIELD shown as APY
Rate History
2 changes since Sep 21, 2026 · 4.41% → 4.41% ▼ 0.00 pts · high 4.41% / low 4.35%
- Oct 13, 20264.41%▲ from 4.35%
- Oct 5, 20264.35%▼ from 4.41%
- Sep 21, 20264.41%first recorded
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
2106 Crestmoor Rd, Nashville, TN 37215
18 Month Certificate of Deposit
$50,000
4.40%
▲ 1.52% above avg
▼
Rate4.40%
Min Deposit$50,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.52% above avg
Details
Minimum deposit $50,000; maximum $240,000; APY accurate as of 10-07-2026
Rate History
1 change since Oct 2, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Oct 14, 20264.40%▲ from 4.30%
- Oct 2, 20264.30%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
18 Month Certificates of deposit (CDs)
$2,500
4.40%
▲ 1.52% above avg
▼
Rate4.31%
Min Deposit$2,500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.52% above avg
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Sep 27, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Smartypig, by Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
Certificates of deposit (CDs) - 18 months
$2,500
4.40%
▲ 1.52% above avg
▼
Rate4.31%
Min Deposit$2,500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.52% above avg
Details
No additional details available.
Rate History
No change since Oct 10, 2026 · 4.40% APY · checked 2 times
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
1001 Post Rd, Darien, CT 06820
18 Month Prime Certificates of Deposit
$500
4.40%
▲ 1.52% above avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.52% above avg
Details
Minimum deposit of $500 to open the Prime CD and earn the APY; Substantial penalty for early withdrawal
Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 3 times
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
64 Old Highway 22, Clinton, NJ 08809
18 Month CD
$1,000
4.40%
▲ 1.52% above avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.88%▲ 1.52% above avg
Details
Promotion CD; offer valid beginning September 28, 2026; Penalty for early withdrawal applies; Available for consumer, business, and IRA/Retirement CDs (business and IRA/Retirement must be opened in branch); Rates effective as of 9/28/2026
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
- Oct 2, 20264.40%▲ from 4.00%
- Sep 18, 20264.00%first recorded
St Marys Bank Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
200 McGregor St, Manchester, NH 03102
18-Month Promo CD
$500
4.35%
▲ 1.47% above avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.88%▲ 1.47% above avg
Details
Minimum deposit of $500 required to open the account and earn the stated APY; APY accurate as of 10/9/2026
Rate History
No change since Oct 9, 2026 · 4.35% APY · checked 2 times
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9260 S 300 E, Sandy, UT 84070
Growth Certificate Account - October Special 18 Month
$100
4.35%
▲ 1.47% above avg
▼
Rate4.27%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.88%▲ 1.47% above avg
Details
Dividend Rate: 4.266%; Limited-time special; Maximum of $250,000 in total deposits per primary account holder; Dividends paid monthly
Rate History
No change since Oct 13, 2026 · 4.35% APY
24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.89% APY▲ 0.02% from last week
The national average 24-month CD rate is 2.89% APY as of October 15, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.
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: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular and Special Share Certificates - 2 year
$500
5.20%
▲ 2.31% above avg
▼
Rate5.07%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 2.31% above avg
Details
Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 5.20% APY
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
614 Alta Vista St, Santa Fe, NM 87505
24-Month Share Certificate SPECIAL RATE
$500
5.12%
▲ 2.23% above avg
▼
Rate5.00%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.89%▲ 2.23% above avg
Details
Special Rate
Rate History
No change since Oct 12, 2026 · 5.12% APY · checked 2 times
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1313 Main St, Vancouver, WA 98660 2918
24 Month Second CD
$10,000
5.09%
▲ 2.20% above avg
▼
Rate5.00%
Min Deposit$10,000
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.89%▲ 2.20% above avg
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 5.00% → 5.10% ▲ 0.09 pts · high 5.10% / low 5.00%
- Sep 26, 20265.10%▲ from 5.00%
- Sep 14, 20265.00%first recorded
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
201 S Main St Fl 5, Salt Lake City, UT 84111
24 Month Preferred Certificate of Deposit (CD)
$1,000
5.00%
▲ 2.11% above avg
▼
Rate5.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 2.11% above avg
Details
Morgan Stanley Preferred CD; deposits in increments of $1,000
Rate History
No change since Oct 14, 2026 · 5.00% APY
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
24 Month CD
$0
5.00%
▲ 2.11% above avg
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 2.11% above avg
Details
Balance: $500,00.00 minimum to open and obtain APY (as printed on page)
Rate History
2 changes since Sep 8, 2026 · 4.30% → 5.00% ▲ 0.70 pts · high 5.00% / low 4.30%
- Oct 2, 20265.00%▲ from 4.80%
- Sep 18, 20264.80%▲ from 4.30%
- Sep 8, 20264.30%first recorded
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
2 Year FDIC-Insured Certificate of Deposit
$0
5.00%
▲ 2.11% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.89%▲ 2.11% above avg
Details
No additional details available.
Rate History
4 changes since Sep 24, 2026 · 4.60% → 5.00% ▲ 0.40 pts · high 5.00% / low 4.60%
- Oct 11, 20265.00%▲ from 4.90%
- Oct 7, 20264.90%▲ from 4.85%
- Oct 3, 20264.85%▲ from 4.65%
- Sep 27, 20264.65%▲ from 4.60%
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
24 Month Certificate of Deposit
$1,000
5.00%
▲ 2.11% above avg
▼
Rate4.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 2.11% above avg
Details
Minimum opening deposit $2,000 if purchased through Raymond James brokerage account; Rates effective October 9, 2026
Rate History
3 changes since Sep 18, 2026 · 4.65% → 5.00% ▲ 0.35 pts · high 5.00% / low 4.65%
- Oct 14, 20265.00%▲ from 4.98%
- Oct 7, 20264.98%▲ from 4.70%
- Sep 27, 20264.70%▲ from 4.65%
- Sep 18, 20264.65%first recorded
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
55 Stevens St, Lockport, NY 14094 4229
2 Year Youth Share Certificate
$0
5.00%
▲ 2.11% above avg
▼
Rate4.88%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.89%▲ 2.11% above avg
Details
Balance: $50 - $5,000; Effective as of June 15, 2026
Rate History
No change since Oct 5, 2026 · 5.00% APY · checked 4 times
Peoples First Savings Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.46%
225 Reading Rd, Mason, OH 45040
24 Month IRA (Variable)
$100
4.91%
▲ 2.02% above avg
▼
Rate4.79%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.89%▲ 2.02% above avg
Details
No additional details available.
Rate History
1 change since Sep 11, 2026 · 4.29% → 4.91% ▲ 0.62 pts · high 4.91% / low 4.29%
- Oct 3, 20264.91%▲ from 4.29%
- Sep 11, 20264.29%first recorded
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2485 Village View Dr, Henderson, NV 89074
24 Month CERTIFICATES OF DEPOSIT
$0
4.89%
▲ 2.00% above avg
▼
Rate4.80%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.89%▲ 2.00% above avg
Details
No additional details available.
Rate History
1 change since Sep 24, 2026 · 4.63% → 4.89% ▲ 0.26 pts · high 4.89% / low 4.63%
- Oct 7, 20264.89%▲ from 4.63%
- Sep 24, 20264.63%first recorded
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
104 S Cascade Ave, Colorado Springs, CO 80903
24 Month Variable IRA
$250
4.86%
▲ 1.97% above avg
▼
Rate4.75%
Min Deposit$250
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.89%▲ 1.97% above avg
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.39% → 4.86% ▲ 0.47 pts · high 4.86% / low 4.39%
- Oct 11, 20264.86%▲ from 4.39%
- Sep 14, 20264.39%first recorded
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
24 Month Jumbo Certificates of Deposit
$0
4.86%
▲ 1.97% above avg
▼
Rate4.75%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 1.97% above avg
Details
Balance: $250,000.00 and over
Rate History
1 change since Sep 14, 2026 · 4.49% → 4.86% ▲ 0.37 pts · high 4.86% / low 4.49%
- Oct 14, 20264.86%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
24 Month Share Certificates (CDs) - Jumbo
$1,000
4.82%
▲ 1.93% above avg
▼
Rate4.71%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.89%▲ 1.93% above avg
Details
Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.
Rate History
No change since Oct 13, 2026 · 4.82% APY
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
24-Month IRA
$0
4.81%
▲ 1.92% above avg
▼
Rate4.70%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.89%▲ 1.92% above avg
Details
IRA Rates; Footnote 4: minimum initial deposit $1,000 for Traditional and Roth IRA Certificates, $500 for Educational IRA Certificates; Dividends are compounded daily and paid quarterly
Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
- Oct 8, 20264.81%▲ from 4.34%
- Sep 16, 20264.34%first recorded
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
125 S West St, Wilmington, DE 19801
24 Month Online CD
$0
4.75%
▲ 1.86% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 1.86% above avg
Details
No additional details available.
Rate History
1 change since Oct 7, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
- Oct 14, 20264.75%▲ from 4.35%
- Oct 7, 20264.35%first recorded
American Baptist Association Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
21103 Chenango Lake Dr, Angleton, TX 77515
24 Month Share Certificate
$0
4.75%
▲ 1.86% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 1.86% above avg
Details
Balance: $100,000 +
Rate History
No change since Sep 14, 2026 · 4.75% APY · checked 4 times
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.11%
11620 NE Ainsworth Cir, Portland, OR 97220
Share Certificate - 24 Month
$0
4.75%
▲ 1.86% above avg
▼
Rate4.67%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.89%▲ 1.86% above avg
Details
No additional details available.
Rate History
No change since Oct 15, 2026 · 4.75% APY
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
4th Street And Lafayette Avenue, Palmerton, PA 18071
2 Year (24 Month) Adjustable CD
$5,000
4.73%
▲ 1.84% above avg
▼
Rate4.65%
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 1.84% above avg
Details
Adjustable rate; Open account in person
Rate History
1 change since Sep 19, 2026 · 4.29% → 4.73% ▲ 0.44 pts · high 4.73% / low 4.29%
- Oct 7, 20264.73%▲ from 4.29%
- Sep 19, 20264.29%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
24 Month CD
$0
4.70%
▲ 1.81% above avg
▼
Rate4.59%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 1.81% above avg
Details
No additional details available.
Rate History
2 changes since Sep 24, 2026 · 4.45% → 4.70% ▲ 0.25 pts · high 4.70% / low 4.45%
- Oct 14, 20264.70%▲ from 4.65%
- Oct 1, 20264.65%▲ from 4.45%
- Sep 24, 20264.45%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
24 Month CD
$0
4.65%
▲ 1.76% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.89%▲ 1.76% above avg
Details
As High As; $1,000 minimum balance required to obtain stated APY in each term tier; Annual Percentage Yield accurate as of 10/1/2026 and subject to change without notice; Penalty for early withdrawal; interest compounds daily and is credited monthly and at maturity
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.65% ▲ 0.68 pts · high 4.65% / low 3.97%
- Oct 9, 20264.65%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
2701 N Thanksgiving Way, Lehi, UT 84043
Consumer Certificate of Deposit - 2 years
$500
4.60%
▲ 1.71% above avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.89%▲ 1.71% above avg
Details
Maximum opening deposit $500,000.00; Guaranteed rate for the duration of the CD term; Rates may change prior to account opening
Rate History
1 change since Sep 14, 2026 · 4.40% → 4.60% ▲ 0.20 pts · high 4.60% / low 4.40%
- Oct 8, 20264.60%▲ from 4.40%
- Sep 14, 20264.40%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023
2 Year Business Certificate
$0
4.60%
▲ 1.71% above avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 1.71% above avg
Details
No additional details available.
Rate History
1 change since Sep 27, 2026 · 4.05% → 4.60% ▲ 0.55 pts · high 4.60% / low 4.05%
- Oct 6, 20264.60%▲ from 4.05%
- Sep 27, 20264.05%first recorded
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
315 Croghan St, Fremont, OH 43420 3013
24 Month Share Certificate
$0
4.60%
▲ 1.71% above avg
▼
Rate4.51%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.89%▲ 1.71% above avg
Details
Type: Regular/IRA; Dividends compound & paid: Daily
Rate History
1 change since Sep 18, 2026 · 4.16% → 4.60% ▲ 0.44 pts · high 4.60% / low 4.16%
- Oct 15, 20264.60%▲ from 4.16%
- Sep 18, 20264.16%first recorded
NORTHERN SKIES
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
1001 E Benson Blvd, Anchorage, AK 99508
24-Month IRA Share Certificate
$0
4.60%
▲ 1.71% above avg
▼
Rate4.52%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 1.71% above avg
Details
Balance: $100,000 and over
Rate History
No change since Sep 22, 2026 · 4.60% APY · checked 6 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
24 Month New Money CD
$1,000
4.60%
▲ 1.71% above avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 1.71% above avg
Details
Minimum balance to open account online: $1,000; Online only; Early withdrawal penalty may apply
Rate History
1 change since Sep 27, 2026 · 4.45% → 4.60% ▲ 0.15 pts · high 4.60% / low 4.45%
- Oct 14, 20264.60%▲ from 4.45%
- Sep 27, 20264.45%first recorded
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Delaware Ave Ste 1401, Wilmington, DE 19801
New Money CD - 24 Month
$1,000
4.60%
▲ 1.71% above avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 1.71% above avg
Details
Online Only; Minimum balance to open account online: $1,000; Not available to business customers
Rate History
1 change since Sep 28, 2026 · 4.45% → 4.60% ▲ 0.15 pts · high 4.60% / low 4.45%
- Oct 14, 20264.60%▲ from 4.45%
- Sep 28, 20264.45%first recorded
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
7102 Forest Ave, Ridgewood, NY 11385
2-Year Treasury Indexed CD
$0
4.59%
▲ 1.70% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 1.70% above avg
Details
Top the Treasury; variable yield account with no cap; risk-free
Rate History
No change since Sep 18, 2026 · 4.59% APY · checked 6 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
24 Month 75th Anniversary Certificates of Deposit
$0
4.58%
▲ 1.69% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 1.69% above avg
Details
Effective date 10/1/26; Get complete details here
Rate History
No change since Oct 10, 2026 · 4.58% APY · checked 2 times
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
Certificate of Deposit - 2-year
$1,000
4.55%
▲ 1.66% above avg
▼
Rate4.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 1.66% above avg
Details
Amount: $1,000.00 and up
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
- Sep 28, 20264.55%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
24 Month Fixed-rate Certificate of Deposit
$50,000
4.55%
▲ 1.66% above avg
▼
Rate4.55%
Min Deposit$50,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 1.66% above avg
Details
Interest paid quarterly via ACH; Withdrawal before maturity is not permitted
Rate History
No change since Oct 14, 2026 · 4.55% APY
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
3181 Larchmont Ave NE, Warren, OH 44483 2435
24 Month Jumbo Certificate
$0
4.55%
▲ 1.66% above avg
▼
Rate4.46%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.89%▲ 1.66% above avg
Details
Special Jumbo Certificate Bonus! Boost Your Earnings - Get an additional 0.25% APY on a Jumbo Certificate with a balance of $250,000+
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.55% ▲ 0.75 pts · high 4.55% / low 3.80%
- Oct 9, 20264.55%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
27 Pearl St, Portland, ME 04101
Propel Relationship CDs - 2 Year CD
$5,000
4.55%
▲ 1.66% above avg
▼
Rate4.46%
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 1.66% above avg
Details
Banking Center Only; Requires Propel Premier Checking and Propel Preferred Savings; APYs include additional 0.15% APY; Opening deposit must be new money; Minimum daily balance $0.01 to earn APY; Early withdrawal penalties may apply
Rate History
1 change since Sep 18, 2026 · 3.40% → 4.55% ▲ 1.15 pts · high 4.55% / low 3.40%
- Oct 14, 20264.55%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
2 Year Certificate Accounts
$0
4.54%
▲ 1.65% above avg
▼
Rate4.45%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.89%▲ 1.65% above avg
Details
Jumbo/Min. $90,000 tier
Rate History
1 change since Sep 25, 2026 · 4.33% → 4.54% ▲ 0.21 pts · high 4.54% / low 4.33%
- Oct 15, 20264.54%▲ from 4.33%
- Sep 25, 20264.33%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
310 Caldwell St, Chillicothe, OH 45601
24 Month Print Share and IRA Jumbo Certificates
$0
4.54%
▲ 1.65% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.89%▲ 1.65% above avg
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.04% → 4.54% ▲ 0.50 pts · high 4.54% / low 4.04%
- Sep 22, 20264.54%▲ from 4.04%
- Sep 14, 20264.04%first recorded
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
425 Neptune Ave, Brooklyn, NY 11224 4559
2 Year Certificate
$500
4.53%
▲ 1.64% above avg
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.89%▲ 1.64% above avg
Details
Certificate Type (Term): 2 Year (24 months); Early withdrawal penalty: 180 days simple interest
Rate History
No change since Oct 5, 2026 · 4.53% APY · checked 3 times
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
15201 Diamondback Dr, Rockville, MD 20850 3312
24 Month Certificate of Deposit (CD)
$0
4.52%
▲ 1.63% above avg
▼
Rate4.45%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.89%▲ 1.63% above avg
Details
APR shown as rate; YIELD shown as APY
Rate History
2 changes since Sep 21, 2026 · 4.52% → 4.52% ▼ 0.00 pts · high 4.52% / low 4.45%
- Oct 13, 20264.52%▲ from 4.45%
- Oct 5, 20264.45%▼ from 4.52%
- Sep 21, 20264.52%first recorded
The Bank of New Glarus
Institution Rating:
A-5.0 ★Texas Ratio: 15.01%
5800 Phillips Street, Gratiot, WI 53541
24 Month CD/IRA
$2,000
4.50%
▲ 1.61% above avg
▼
Rate4.43%
Min Deposit$2,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 1.61% above avg
Details
Specials
Rate History
No change since Sep 19, 2026 · 4.50% APY · checked 8 times
Credit One Bank, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
6801 S Cimarron Rd, Las Vegas, NV 89113
24 Month High Yield Jumbo CD
$0
4.50%
▲ 1.61% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 1.61% above avg
Details
10-Day Rate Guarantee
Rate History
1 change since Sep 18, 2026 · 4.45% → 4.50% ▲ 0.05 pts · high 4.50% / low 4.45%
- Oct 14, 20264.50%▲ from 4.45%
- Sep 18, 20264.45%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
124 1st St Se, Waverly, IA 50677
24 Month CD
$0
4.50%
▲ 1.61% above avg
▼
Rate4.45%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 1.61% above avg
Details
Balance: $500.00 - $99,999.99
Rate History
1 change since Oct 2, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 14, 20264.50%▲ from 4.25%
- Oct 2, 20264.25%first recorded
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2431 E 61st St, Tulsa, OK 74136
24 Month CD
$0
4.50%
▲ 1.61% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 1.61% above avg
Details
Special Rates; Offer ends November 24; Online Consumer Offer Only; Online Only
Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 14, 20264.50%▲ from 4.40%
- Sep 24, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
24-month online CD
$25,000
4.50%
▲ 1.61% above avg
▼
Rate4.40%
Min Deposit$25,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 1.61% above avg
Details
Online Only; Interest Rate: 4.40%; Maximum $1,000,000 per client
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
- Oct 2, 20264.50%▲ from 3.75%
- Sep 18, 20263.75%first recorded
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
24 Month CD
$1,000
4.50%
▲ 1.61% above avg
▼
Rate4.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 1.61% above avg
Details
Balance: $1,000+; $1,000 minimum deposit to open account
Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 6 times
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
3580 Ep True Pkwy, West Des Moines, IA 50265
Certificate of Deposit - 24 Months
$0
4.50%
▲ 1.61% above avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 1.61% above avg
Details
Minimum balance to obtain APY is $1,000; APY as of 10/9/2026 and may be discontinued at any time; offer limited to new, consumer certificates only; early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 4.50% APY
Cent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
3124 4th St SW, Mason City, IA 50401 1522
24 Month Time Share Certificate
$0
4.50%
▲ 1.61% above avg
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.89%▲ 1.61% above avg
Details
Time Share Certificates
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
- Oct 9, 20264.50%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
241 Union St, Rockland, MA 02370
2 Year Share Certificate
$0
4.50%
▲ 1.61% above avg
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.89%▲ 1.61% above avg
Details
Compounding: Monthly; Minimum to earn APY: $500
Rate History
No change since Oct 9, 2026 · 4.50% APY · checked 3 times
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
24 Month Certificate
$500
4.50%
▲ 1.61% above avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.89%▲ 1.61% above avg
Details
Dividends compounded and credited monthly; Rates effective as of October 13, 2026
Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
- Sep 29, 20264.50%▲ from 4.40%
- Sep 22, 20264.40%▲ from 4.20%
- Sep 18, 20264.20%first recorded
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1512 Gause Blvd, Slidell, LA 70458
2-Year Regular Certificate or IRA Certificate
$0
4.50%
▲ 1.61% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.89%▲ 1.61% above avg
Details
Deposit: $10,000+
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA 31405 5922
Share Certificates - 24 Month Share or IRA Certificate
$100,000
4.50%
▲ 1.61% above avg
▼
Rate4.41%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 1.61% above avg
Details
Jumbo - Minimum Deposit of $100,000.00
Rate History
No change since Oct 14, 2026 · 4.50% APY
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
725 N Main St, Moab, UT 84532 2132
2 year CD
$500
4.50%
▲ 1.61% above avg
▼
Rate4.43%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.89%▲ 1.61% above avg
Details
No additional details available.
Rate History
2 changes since Sep 14, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
- Oct 9, 20264.50%▲ from 4.25%
- Sep 29, 20264.25%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
302 Main St, Savanna, IL 61074
20-month special, with rollover into 24-month at time of maturity
$0
4.50%
▲ 1.61% above avg
▼
Rate4.49%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.89%▲ 1.61% above avg
Details
All accounts are subject to credit qualifications. Early withdrawal penalties may apply, fees may reduce earnings on an account.
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
- Oct 3, 20264.50%▲ from 3.50%
- Sep 14, 20263.50%first recorded
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
184 John Clarke Rd, Middletown, RI 02842
24 Month Personal CD - Limited Time Offer
$1,000
4.50%
▲ 1.61% above avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.89%▲ 1.61% above avg
Details
New Money Only; funds on deposit with BankNewport less than 30 days; BankNewport personal checking account required for CD specials; penalty for early withdrawal; offer may be withdrawn at any time
Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 2 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
519 Main St, Kewaunee, WI 54216
24 Month Relationship CD
$2,500
4.50%
▲ 1.61% above avg
▼
Rate4.43%
Min Deposit$2,500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 1.61% above avg
Details
Minimum $2500 to open; Relationship is defined as Direct Deposit Checking
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Sep 24, 20264.50%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
790 Joslyn Ave, Pontiac, MI 48340 2918
Share Certificate - 24 Month
$0
4.45%
▲ 1.56% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.89%▲ 1.56% above avg
Details
Special CD/Share Certificate Rates; Dividends paid monthly; Only new funds eligible for promotional rate; Rates subject to change
Rate History
1 change since Sep 25, 2026 · 4.29% → 4.45% ▲ 0.16 pts · high 4.45% / low 4.29%
- Oct 4, 20264.45%▲ from 4.29%
- Sep 25, 20264.29%first recorded
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
6414 Montgomery St, Rhinebeck, NY 12572
2-Year CD - Promo
$0
4.40%
▲ 1.51% above avg
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 1.51% above avg
Details
Promotional product; can be discontinued at any time
Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 4 times
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
400 Town Center Dr, Dearborn, MI 48126
2 Year Business Share Certificates
$0
4.40%
▲ 1.51% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.89%▲ 1.51% above avg
Details
Balance: $1,000 to $24,999
Rate History
No change since Oct 13, 2026 · 4.40% APY
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
3730 18th Ave, Rock Island, IL 61201
24 Month Certificate of Deposit - Diamond
$500
4.35%
▲ 1.46% above avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.89%▲ 1.46% above avg
Details
Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 4.35% APY
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
123 W 4th St, Cedar Falls, IA 50613 2831
24 Month JUMBO Certificate
$100,000
4.35%
▲ 1.46% above avg
▼
Rate4.28%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.89%▲ 1.46% above avg
Details
Limited Time Special; $100,000 minimum; Penalty for Early Withdrawal
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.35% ▲ 0.05 pts · high 4.35% / low 4.30%
- Oct 9, 20264.35%▲ from 4.30%
- Sep 18, 20264.30%first recorded
36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.81% APY▲ 0.01% from last week
The national average 36-month CD rate is 2.81% APY as of October 15, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
1000 W Wisconsin St, Sparta, WI 54656 2230
36-Month Teen Certificate Special
$500
5.13%
▲ 2.32% above avg
▼
Rate5.00%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.81%▲ 2.32% above avg
Details
Ages: 13-15 years old; Minimum deposit of $500, Maximum $10,000; Effective Date: Tuesday, October 13th, 2026; Certificate must be in the minor's name; Cannot be opened as UTMA account
Rate History
No change since Oct 13, 2026 · 5.13% APY
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
201 S Main St Fl 5, Salt Lake City, UT 84111
36 Month Preferred Certificate of Deposit (CD)
$1,000
5.10%
▲ 2.29% above avg
▼
Rate5.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 2.29% above avg
Details
Morgan Stanley Preferred CD; deposits in increments of $1,000
Rate History
No change since Oct 14, 2026 · 5.10% APY
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
36 Month Certificate of Deposit
$1,000
5.10%
▲ 2.29% above avg
▼
Rate4.97%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 2.29% above avg
Details
Minimum opening deposit $2,000 if purchased through Raymond James brokerage account; Rates effective October 9, 2026
Rate History
3 changes since Sep 18, 2026 · 4.80% → 5.10% ▲ 0.30 pts · high 5.10% / low 4.80%
- Oct 14, 20265.10%▲ from 5.05%
- Oct 7, 20265.05%▲ from 4.85%
- Sep 27, 20264.85%▲ from 4.80%
- Sep 18, 20264.80%first recorded
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
348 W Michigan Ave, Kalamazoo, MI 49007
3-Year Rising Rate Certificate of Deposit - Year 3 term
$10,000
5.00%
▲ 2.19% above avg
▼
Rate4.89%
Min Deposit$10,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 2.19% above avg
Details
Interest is compounded monthly; 10-day option to withdraw at the end of each one-year term; penalty for early withdrawals applies at other times; no brokered deposits
Rate History
No change since Sep 19, 2026 · 5.00% APY · checked 5 times
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
3 Year FDIC-Insured Certificate of Deposit
$0
5.00%
▲ 2.19% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.81%▲ 2.19% above avg
Details
No additional details available.
Rate History
2 changes since Sep 24, 2026 · 4.75% → 5.00% ▲ 0.25 pts · high 5.00% / low 4.75%
- Oct 3, 20265.00%▲ from 4.90%
- Sep 27, 20264.90%▲ from 4.75%
- Sep 24, 20264.75%first recorded
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
225 White St W, Rock Hill, SC 29730 4039
Traditional IRA Certificates - 36 Month
$500
5.00%
▲ 2.19% above avg
▼
Rate4.91%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.81%▲ 2.19% above avg
Details
Min. balance to earn APY: $100,000
Rate History
1 change since Sep 14, 2026 · 4.40% → 5.00% ▲ 0.60 pts · high 5.00% / low 4.40%
- Oct 15, 20265.00%▲ from 4.40%
- Sep 14, 20264.40%first recorded
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2485 Village View Dr, Henderson, NV 89074
36 Month CERTIFICATES OF DEPOSIT
$0
4.99%
▲ 2.18% above avg
▼
Rate4.90%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.81%▲ 2.18% above avg
Details
No additional details available.
Rate History
1 change since Sep 24, 2026 · 4.73% → 4.99% ▲ 0.26 pts · high 4.99% / low 4.73%
- Oct 7, 20264.99%▲ from 4.73%
- Sep 24, 20264.73%first recorded
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
104 S Cascade Ave, Colorado Springs, CO 80903
36 Month Variable IRA
$250
4.96%
▲ 2.15% above avg
▼
Rate4.85%
Min Deposit$250
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.81%▲ 2.15% above avg
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.44% → 4.96% ▲ 0.52 pts · high 4.96% / low 4.44%
- Oct 11, 20264.96%▲ from 4.44%
- Sep 14, 20264.44%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
IRA 36 Month CD
$0
4.96%
▲ 2.15% above avg
▼
Rate4.90%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 2.15% above avg
Details
IRA CD; Balance: $100.00 minimum to open and obtain APY
Rate History
No change since Oct 14, 2026 · 4.96% APY
Gulf Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1 Riverway, Houston, TX 77056
36 Month Jumbo Certificates of Deposit
$0
4.96%
▲ 2.15% above avg
▼
Rate4.85%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 2.15% above avg
Details
Balance: $250,000.00 and over
Rate History
1 change since Sep 14, 2026 · 4.54% → 4.96% ▲ 0.42 pts · high 4.96% / low 4.54%
- Oct 14, 20264.96%▲ from 4.54%
- Sep 14, 20264.54%first recorded
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
36 Month Share Certificates (CDs) - Jumbo
$1,000
4.93%
▲ 2.12% above avg
▼
Rate4.81%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.81%▲ 2.12% above avg
Details
Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.
Rate History
No change since Oct 13, 2026 · 4.93% APY
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
255 Main St, Massena, NY 13662
36 Month CD
$0
4.90%
▲ 2.09% above avg
▼
Rate4.75%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 2.09% above avg
Details
No additional details available.
Rate History
1 change since Sep 19, 2026 · 3.18% → 4.90% ▲ 1.72 pts · high 4.90% / low 3.18%
- Oct 3, 20264.90%▲ from 3.18%
- Sep 19, 20263.18%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
36 Month CD
$0
4.85%
▲ 2.04% above avg
▼
Rate4.74%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 2.04% above avg
Details
No additional details available.
Rate History
2 changes since Sep 24, 2026 · 4.50% → 4.85% ▲ 0.35 pts · high 4.85% / low 4.50%
- Oct 14, 20264.85%▲ from 4.80%
- Oct 1, 20264.80%▲ from 4.50%
- Sep 24, 20264.50%first recorded
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
3181 Larchmont Ave NE, Warren, OH 44483 2435
36 Month Jumbo Certificate
$0
4.85%
▲ 2.04% above avg
▼
Rate4.75%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.81%▲ 2.04% above avg
Details
Special Jumbo Certificate Bonus! Boost Your Earnings - Get an additional 0.25% APY on a Jumbo Certificate with a balance of $250,000+
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.85% ▲ 0.60 pts · high 4.85% / low 4.25%
- Oct 9, 20264.85%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular and Special Share Certificates - 3 year
$500
4.80%
▲ 1.99% above avg
▼
Rate4.69%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 1.99% above avg
Details
Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.80% APY
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
241 Union St, Rockland, MA 02370
3 Year Share Certificate
$0
4.75%
▲ 1.94% above avg
▼
Rate4.65%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.81%▲ 1.94% above avg
Details
Compounding: Monthly; Minimum to earn APY: $500
Rate History
No change since Oct 9, 2026 · 4.75% APY · checked 3 times
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
3 Year Certificates of Deposit (CDs)
$100
4.73%
▲ 1.92% above avg
▼
Rate4.68%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 1.92% above avg
Details
Balance: $100,000+
Rate History
1 change since Sep 14, 2026 · 4.37% → 4.73% ▲ 0.36 pts · high 4.73% / low 4.37%
- Sep 24, 20264.73%▲ from 4.37%
- Sep 14, 20264.37%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
Share Certificate - 36 Months
$500
4.71%
▲ 1.90% above avg
▼
Rate4.60%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.81%▲ 1.90% above avg
Details
Non-Compounding Certificates available; early withdrawal penalties may apply
Rate History
1 change since Sep 16, 2026 · 4.13% → 4.71% ▲ 0.58 pts · high 4.71% / low 4.13%
- Oct 8, 20264.71%▲ from 4.13%
- Sep 16, 20264.13%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
36-Month Certificate
$1,000
4.70%
▲ 1.89% above avg
▼
Rate4.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.81%▲ 1.89% above avg
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.70% ▲ 0.68 pts · high 4.70% / low 4.02%
- Oct 9, 20264.70%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
315 Croghan St, Fremont, OH 43420 3013
36 Month Freedom Share Certificate
$5,000
4.70%
▲ 1.89% above avg
▼
Rate4.60%
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.81%▲ 1.89% above avg
Details
Type: Regular/IRA; Dividends compound & paid: Daily; Features include a one-time additional deposit and a one-time rate bump during the term; Freedom Certificates do not apply to Dollar Dog or Cha-Ching Teen Club members
Rate History
No change since Oct 15, 2026 · 4.70% APY
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023
3 Year Business Certificate
$0
4.65%
▲ 1.84% above avg
▼
Rate4.55%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 1.84% above avg
Details
No additional details available.
Rate History
1 change since Sep 27, 2026 · 4.10% → 4.65% ▲ 0.55 pts · high 4.65% / low 4.10%
- Oct 6, 20264.65%▲ from 4.10%
- Sep 27, 20264.10%first recorded
Piscataqua Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15 Pleasant St, Portsmouth, NH 03801
3 Year CD
$500
4.60%
▲ 1.79% above avg
▼
Rate4.50%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 1.79% above avg
Details
Minimum balance to earn APY: $0.01; Early withdrawal penalty may apply; IRA available
Rate History
No change since Oct 14, 2026 · 4.60% APY
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1509 4th Ave S, Birmingham, AL 35233 1612
36 Month IRA
$0
4.60%
▲ 1.79% above avg
▼
Rate4.60%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.81%▲ 1.79% above avg
Details
IRA CDs pay at maturity; Early withdrawal penalty of 90 days interest
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
- Oct 9, 20264.60%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
3 Year Jumbo IRA Certificates
$0
4.60%
▲ 1.79% above avg
▼
Rate4.51%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 1.79% above avg
Details
No additional details available.
Rate History
1 change since Sep 24, 2026 · 3.90% → 4.60% ▲ 0.70 pts · high 4.60% / low 3.90%
- Oct 14, 20264.60%▲ from 3.90%
- Sep 24, 20263.90%first recorded
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificates - 36 Months
$0
4.60%
▲ 1.79% above avg
▼
Rate4.51%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.81%▲ 1.79% above avg
Details
Penalty: 180 Days
Rate History
No change since Oct 8, 2026 · 4.60% APY · checked 3 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
519 Main St, Kewaunee, WI 54216
36 Month Relationship CD
$2,500
4.60%
▲ 1.79% above avg
▼
Rate4.52%
Min Deposit$2,500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 1.79% above avg
Details
Minimum $2500 to open; Relationship is defined as Direct Deposit Checking
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
- Sep 24, 20264.60%▲ from 4.20%
- Sep 14, 20264.20%first recorded
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
36 Month Share Certificate
$500
4.59%
▲ 1.78% above avg
▼
Rate4.50%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 1.78% above avg
Details
Balance: $1M+
Rate History
No change since Sep 14, 2026 · 4.59% APY · checked 6 times
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
3 Year Certificate Accounts
$0
4.59%
▲ 1.78% above avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.81%▲ 1.78% above avg
Details
Jumbo/Min. $90,000 tier
Rate History
1 change since Sep 25, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
- Oct 15, 20264.59%▲ from 4.33%
- Sep 25, 20264.33%first recorded
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
36 Month Share Certificate
$500
4.59%
▲ 1.78% above avg
▼
Rate4.50%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.81%▲ 1.78% above avg
Details
Balance: $1M and over
Rate History
No change since Oct 13, 2026 · 4.59% APY · checked 2 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
36 Month 75th Anniversary Certificates of Deposit
$0
4.58%
▲ 1.77% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 1.77% above avg
Details
Effective date 10/1/26; Get complete details here
Rate History
No change since Oct 10, 2026 · 4.58% APY · checked 2 times
Credit One Bank, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
6801 S Cimarron Rd, Las Vegas, NV 89113
36 Month High Yield Jumbo CD
$0
4.55%
▲ 1.74% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 1.74% above avg
Details
10-Day Rate Guarantee
Rate History
1 change since Sep 18, 2026 · 4.45% → 4.55% ▲ 0.10 pts · high 4.55% / low 4.45%
- Oct 14, 20264.55%▲ from 4.45%
- Sep 18, 20264.45%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
Certificate of Deposit - 3-year
$1,000
4.55%
▲ 1.74% above avg
▼
Rate4.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 1.74% above avg
Details
Amount: $1,000.00 and up
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
- Sep 28, 20264.55%▲ from 3.75%
- Sep 14, 20263.75%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates - 36 Months Jumbo IRA
$100,000
4.54%
▲ 1.73% above avg
▼
Rate4.45%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 1.73% above avg
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.39% → 4.54% ▲ 0.15 pts · high 4.54% / low 4.39%
- Oct 10, 20264.54%▲ from 4.39%
- Sep 14, 20264.39%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
36 Month Certificate of Deposit
$0
4.52%
▲ 1.71% above avg
▼
Rate4.45%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 1.71% above avg
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.27% → 4.52% ▲ 0.25 pts · high 4.52% / low 4.27%
- Oct 7, 20264.52%▲ from 4.27%
- Sep 18, 20264.27%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
7007 Broadway Ave, Cleveland, OH 44105
36 Month Bonus CD
$0
4.50%
▲ 1.69% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details
Bonus CD; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
3280 N University Ave, Provo, UT 84604
Business CD - 36 Months
$1,000
4.50%
▲ 1.69% above avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details
Business certificate of deposit; Early withdrawal penalties may apply
Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 3 times
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
241 E Saginaw St, East Lansing, MI 48823
36 Month Certificate of Deposit
$0
4.50%
▲ 1.69% above avg
▼
Rate4.43%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details
Minimum balance $1,000 to obtain the APY; APY assumes principal and interest remain on deposit until maturity; early withdrawal penalty may apply
Rate History
3 changes since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 14, 20264.50%▲ from 4.45%
- Oct 2, 20264.45%▲ from 4.30%
- Sep 24, 20264.30%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
125 S West St, Wilmington, DE 19801
36 Month Online CD
$0
4.50%
▲ 1.69% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details
No additional details available.
Rate History
1 change since Oct 7, 2026 · 2.50% → 4.50% ▲ 2.00 pts · high 4.50% / low 2.50%
- Oct 14, 20264.50%▲ from 2.50%
- Oct 7, 20262.50%first recorded
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
36-month online CD
$25,000
4.50%
▲ 1.69% above avg
▼
Rate4.40%
Min Deposit$25,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details
Online Only; Interest Rate: 4.40%; Maximum $1,000,000 per client
Rate History
1 change since Sep 18, 2026 · 3.76% → 4.50% ▲ 0.74 pts · high 4.50% / low 3.76%
- Oct 2, 20264.50%▲ from 3.76%
- Sep 18, 20263.76%first recorded
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
36 Month CD
$1,000
4.50%
▲ 1.69% above avg
▼
Rate4.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details
Balance: $10,000+
Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 6 times
Community Savings Bank Bethel, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
503 W Plane St, Bethel, OH 45106
Certificate of Deposit - 36 Month Special
$5,000
4.50%
▲ 1.69% above avg
▼
Rate4.40%
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details
Special rate; Compounding Frequency: Daily
Rate History
No change since Oct 14, 2026 · 4.50% APY
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
36 Month Fixed-rate Certificate of Deposit
$50,000
4.50%
▲ 1.69% above avg
▼
Rate4.50%
Min Deposit$50,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details
Interest paid quarterly via ACH; Withdrawal before maturity is not permitted
Rate History
No change since Oct 14, 2026 · 4.50% APY
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
824 E Ridge Rd, Rochester, NY 14621
3 Year Share Certificates
$500
4.50%
▲ 1.69% above avg
▼
Rate4.43%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details
Penalty applies to withdraw principal before maturity; dividends may be withdrawn at any time without penalty; dividends compounded and credited quarterly
Rate History
No change since Oct 15, 2026 · 4.50% APY · checked 2 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
36 Month Elite Jumbo CD
$250,000
4.50%
▲ 1.69% above avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details
No additional details available.
Rate History
1 change since Sep 21, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Oct 5, 20264.50%▲ from 4.15%
- Sep 21, 20264.15%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
Certificates - 36 Months
$50
4.50%
▲ 1.69% above avg
▼
Rate4.50%
Min Deposit$50
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 9, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
3 Year Business CD
$5,000
4.50%
▲ 1.69% above avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details
Balance: $5,000.00 - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.50% APY
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
800 Wayne Ave, Chambersburg, PA 17201 3810
36 Month Share Certificate
$0
4.50%
▲ 1.69% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details
Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA
Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 4 times
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
156 Spring St, West Roxbury, MA 02132
36 Month Certificate of Deposit
$1,000
4.50%
▲ 1.69% above avg
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details
No additional details available.
Rate History
No change since Oct 13, 2026 · 4.50% APY
Farmers & Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
210 W Madison St, Waterloo, WI 53594
36 Month - 10% New Money Certificate
$500
4.50%
▲ 1.69% above avg
▼
Rate4.50%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details
10 for 10 Specials Available for Certificates Only (No IRA or HSA); 10% of the total CD amount must be funds from another financial institution; Compounding: Annually
Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
ORNL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
36-Month IRA PROMOTIONAL Certificate
$500
4.50%
▲ 1.69% above avg
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 1.69% above avg
Details
IRA; Minimum deposit $500 required; Certificate Rates
Rate History
1 change since Sep 18, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 6, 20264.50%▲ from 4.25%
- Sep 18, 20264.25%first recorded
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
521 Ferry Street, Metropolis, IL 62960
36-Month CD
$0
4.40%
▲ 1.59% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.81%▲ 1.59% above avg
Details
CD rate promo; Annual Percentage Yield accurate as of 10/13/2026; Terms and conditions apply
Rate History
No change since Oct 14, 2026 · 4.40% APY
New Heights Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
72 E 700 N, Logan, UT 84321
36 Month Share Certificate of Deposit - Promo Rate
$5,000
4.35%
▲ 1.54% above avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.81%▲ 1.54% above avg
Details
Promo Rate ($5,000 Min. New Deposit); Penalty: 180 day interest E/W penalty
Rate History
No change since Oct 13, 2026 · 4.35% APY
Iowa State Bank Clarksville, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
100 N Main St, Clarksville, IA 50619
36 Month CD
$5,000
4.30%
▲ 1.49% above avg
▼
Rate4.25%
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.81%▲ 1.49% above avg
Details
Limited Time Only
Rate History
No change since Oct 3, 2026 · 4.30% APY · checked 3 times
48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.80% APY▲ 0.02% from last week
The national average 48-month CD rate is 2.80% APY as of October 15, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
201 S Main St Fl 5, Salt Lake City, UT 84111
48 Month Preferred Certificate of Deposit (CD)
$1,000
5.20%
▲ 2.40% above avg
▼
Rate5.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 2.40% above avg
Details
Morgan Stanley Preferred CD; deposits in increments of $1,000
Rate History
No change since Oct 14, 2026 · 5.20% APY
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
48 Month Certificate of Deposit
$1,000
5.20%
▲ 2.40% above avg
▼
Rate5.07%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 2.40% above avg
Details
Minimum opening deposit $2,000 if purchased through Raymond James brokerage account; Rates effective October 9, 2026
Rate History
3 changes since Sep 18, 2026 · 4.85% → 5.20% ▲ 0.35 pts · high 5.20% / low 4.85%
- Oct 14, 20265.20%▲ from 5.10%
- Oct 7, 20265.10%▲ from 4.95%
- Sep 27, 20264.95%▲ from 4.85%
- Sep 18, 20264.85%first recorded
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2485 Village View Dr, Henderson, NV 89074
48 Month CERTIFICATES OF DEPOSIT
$0
5.10%
▲ 2.30% above avg
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.80%▲ 2.30% above avg
Details
No additional details available.
Rate History
1 change since Sep 24, 2026 · 4.84% → 5.10% ▲ 0.26 pts · high 5.10% / low 4.84%
- Oct 7, 20265.10%▲ from 4.84%
- Sep 24, 20264.84%first recorded
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
4 Year FDIC-Insured Certificate of Deposit
$0
5.10%
▲ 2.30% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.80%▲ 2.30% above avg
Details
No additional details available.
Rate History
3 changes since Sep 24, 2026 · 4.85% → 5.10% ▲ 0.25 pts · high 5.10% / low 4.85%
- Oct 7, 20265.10%▲ from 5.00%
- Oct 3, 20265.00%▲ from 4.95%
- Sep 27, 20264.95%▲ from 4.85%
- Sep 24, 20264.85%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates - 48 Months Jumbo IRA
$100,000
5.01%
▲ 2.21% above avg
▼
Rate4.90%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 2.21% above avg
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.65% → 5.01% ▲ 0.36 pts · high 5.01% / low 4.65%
- Oct 14, 20265.01%▲ from 4.65%
- Sep 14, 20264.65%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Mini-Jumbo IRA Share Certificates - 4 year Mini-Jumbo
$20,000
5.00%
▲ 2.20% above avg
▼
Rate4.88%
Min Deposit$20,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 2.20% above avg
Details
Early withdrawal penalty applies before maturity
Rate History
No change since Oct 14, 2026 · 5.00% APY
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
48 Month CD
$0
4.95%
▲ 2.15% above avg
▼
Rate4.83%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 2.15% above avg
Details
No additional details available.
Rate History
2 changes since Sep 24, 2026 · 4.50% → 4.95% ▲ 0.45 pts · high 4.95% / low 4.50%
- Oct 14, 20264.95%▲ from 4.85%
- Oct 1, 20264.85%▲ from 4.50%
- Sep 24, 20264.50%first recorded
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
3988 West Delphi Road, Sweetser, IN 46987
48 Month Certificate of Deposit
$1,000
4.83%
▲ 2.03% above avg
▼
Rate4.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.80%▲ 2.03% above avg
Details
No additional details available.
Rate History
2 changes since Sep 11, 2026 · 3.29% → 4.83% ▲ 1.54 pts · high 4.83% / low 3.29%
- Oct 3, 20264.83%▲ from 4.32%
- Sep 24, 20264.32%▲ from 3.29%
- Sep 11, 20263.29%first recorded
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
315 Croghan St, Fremont, OH 43420 3013
48 Month Share Certificate
$0
4.80%
▲ 2.00% above avg
▼
Rate4.70%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.80%▲ 2.00% above avg
Details
Type: Regular/IRA; Dividends compound & paid: Daily
Rate History
1 change since Sep 18, 2026 · 4.31% → 4.80% ▲ 0.49 pts · high 4.80% / low 4.31%
- Oct 15, 20264.80%▲ from 4.31%
- Sep 18, 20264.31%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
48 Month Elite Jumbo CD
$250,000
4.75%
▲ 1.95% above avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.80%▲ 1.95% above avg
Details
No additional details available.
Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
- Oct 5, 20264.75%▲ from 4.25%
- Sep 21, 20264.25%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023
4 Year Business Certificate
$0
4.75%
▲ 1.95% above avg
▼
Rate4.64%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 1.95% above avg
Details
No additional details available.
Rate History
1 change since Sep 27, 2026 · 4.10% → 4.75% ▲ 0.65 pts · high 4.75% / low 4.10%
- Oct 6, 20264.75%▲ from 4.10%
- Sep 27, 20264.10%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
48-Month Certificate
$1,000
4.75%
▲ 1.95% above avg
▼
Rate4.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.80%▲ 1.95% above avg
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 4.08% → 4.75% ▲ 0.67 pts · high 4.75% / low 4.08%
- Oct 9, 20264.75%▲ from 4.08%
- Sep 14, 20264.08%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
4 Year Certificates of Deposit (CDs)
$100
4.74%
▲ 1.94% above avg
▼
Rate4.69%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 1.94% above avg
Details
Balance: $100,000+
Rate History
1 change since Sep 14, 2026 · 4.42% → 4.74% ▲ 0.32 pts · high 4.74% / low 4.42%
- Sep 24, 20264.74%▲ from 4.42%
- Sep 14, 20264.42%first recorded
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1509 4th Ave S, Birmingham, AL 35233 1612
Certificates of Deposit Regular - 48 Months
$0
4.70%
▲ 1.90% above avg
▼
Rate4.70%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.80%▲ 1.90% above avg
Details
Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.
Rate History
No change since Oct 13, 2026 · 4.70% APY
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificates - 48 Months
$0
4.70%
▲ 1.90% above avg
▼
Rate4.60%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.80%▲ 1.90% above avg
Details
Penalty: 180 Days
Rate History
No change since Oct 8, 2026 · 4.70% APY · checked 3 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
519 Main St, Kewaunee, WI 54216
48 Month Relationship CD
$2,500
4.70%
▲ 1.90% above avg
▼
Rate4.62%
Min Deposit$2,500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 1.90% above avg
Details
Minimum $2500 to open; Relationship is defined as Direct Deposit Checking
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
- Sep 24, 20264.70%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
310 Caldwell St, Chillicothe, OH 45601
Print Share and IRA Jumbo Certificates - 48 Mo.
$0
4.63%
▲ 1.83% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.80%▲ 1.83% above avg
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.12% → 4.63% ▲ 0.51 pts · high 4.63% / low 4.12%
- Sep 22, 20264.63%▲ from 4.12%
- Sep 14, 20264.12%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
4 Year Business CD
$5,000
4.60%
▲ 1.80% above avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.80%▲ 1.80% above avg
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.60% APY
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
800 Wayne Ave, Chambersburg, PA 17201 3810
48 Month Share Certificate
$0
4.60%
▲ 1.80% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.80%▲ 1.80% above avg
Details
Balance: $250,000.01+; Dividend Earnings: $50,398.27; Also available as Traditional IRA or Roth IRA; Rates effective as of September 16, 2026
Rate History
No change since Oct 5, 2026 · 4.60% APY · checked 4 times
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
1522 Main St, Unionville, MO 63565
48 Month Certificate of Deposit
$0
4.59%
▲ 1.79% above avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 1.79% above avg
Details
Term: 48 months to 59 months; Balance: $100,000.00 and over; Rates as of September 18, 2026
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.59% ▲ 0.52 pts · high 4.59% / low 4.07%
- Oct 14, 20264.59%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
4 Year Certificate Accounts
$0
4.59%
▲ 1.79% above avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.80%▲ 1.79% above avg
Details
Jumbo/Min. $90,000 tier
Rate History
1 change since Sep 25, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
- Oct 15, 20264.59%▲ from 4.33%
- Sep 25, 20264.33%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
48 Month 75th Anniversary Certificates of Deposit
$0
4.58%
▲ 1.78% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 1.78% above avg
Details
Effective date 10/1/26; Get complete details here
Rate History
No change since Oct 10, 2026 · 4.58% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
48 Month Certificate of Deposit
$0
4.58%
▲ 1.78% above avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 1.78% above avg
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
- Oct 7, 20264.58%▲ from 4.37%
- Sep 18, 20264.37%first recorded
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3845 Angola Rd, Toledo, OH 43615
IRA Certificate - 48-Month
$0
4.58%
▲ 1.78% above avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 1.78% above avg
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.58% ▲ 0.78 pts · high 4.58% / low 3.80%
- Oct 14, 20264.58%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
Certificate of Deposit - 4-year
$1,000
4.55%
▲ 1.75% above avg
▼
Rate4.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 1.75% above avg
Details
Amount: $1,000.00 and up
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
- Sep 28, 20264.55%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Cornerstone State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
500 Main St, Madison Lake, MN 56063
IRA 36-48 month C.D.
$500
4.55%
▲ 1.75% above avg
▼
Rate4.50%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 1.75% above avg
Details
IRA; Compounded Semi-Annually; Balance: $75,000 - $199,999.99
Rate History
No change since Oct 14, 2026 · 4.55% APY
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
15750 W Dodge Rd, Omaha, NE 68118
48 Month CD
$500
4.55%
▲ 1.75% above avg
▼
Rate4.47%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 1.75% above avg
Details
Substantial penalty for early withdrawal
Rate History
No change since Sep 20, 2026 · 4.55% APY · checked 7 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
48 Month Business Certificate
$0
4.55%
▲ 1.75% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 1.75% above avg
Details
No additional details available.
Rate History
1 change since Sep 30, 2026 · 4.50% → 4.55% ▲ 0.05 pts · high 4.55% / low 4.50%
- Oct 14, 20264.55%▲ from 4.50%
- Sep 30, 20264.50%first recorded
Chivaho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
17273 State Route 104, Chillicothe, OH 45601 9718
48 Month Certificate of Deposit
$500
4.55%
▲ 1.75% above avg
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.80%▲ 1.75% above avg
Details
No additional details available.
Rate History
No change since Sep 25, 2026 · 4.55% APY · checked 4 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2 The Credit Union Way, Fairmont, WV 26554 1567
48 Month Jumbo Certificates
$0
4.55%
▲ 1.75% above avg
▼
Rate4.46%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.80%▲ 1.75% above avg
Details
No additional details available.
Rate History
1 change since Oct 8, 2026 · 4.35% → 4.55% ▲ 0.20 pts · high 4.55% / low 4.35%
- Oct 15, 20264.55%▲ from 4.35%
- Oct 8, 20264.35%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
241 E Saginaw St, East Lansing, MI 48823
48 Month Certificate of Deposit
$0
4.50%
▲ 1.70% above avg
▼
Rate4.43%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 1.70% above avg
Details
Minimum balance $1,000 to obtain the APY; APY assumes principal and interest remain on deposit until maturity; early withdrawal penalty may apply
Rate History
3 changes since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
- Oct 14, 20264.50%▲ from 4.45%
- Oct 2, 20264.45%▲ from 4.30%
- Sep 24, 20264.30%▲ from 4.20%
- Sep 18, 20264.20%first recorded
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
125 S West St, Wilmington, DE 19801
48 Month Online CD
$0
4.50%
▲ 1.70% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 1.70% above avg
Details
No additional details available.
Rate History
1 change since Oct 7, 2026 · 2.50% → 4.50% ▲ 2.00 pts · high 4.50% / low 2.50%
- Oct 14, 20264.50%▲ from 2.50%
- Oct 7, 20262.50%first recorded
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
48 Month CD
$1,000
4.50%
▲ 1.70% above avg
▼
Rate4.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 1.70% above avg
Details
Balance: $10,000+; Early withdrawal penalty may apply
Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 6 times
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
Certificates - 48 Months
$50
4.50%
▲ 1.70% above avg
▼
Rate4.50%
Min Deposit$50
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.80%▲ 1.70% above avg
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 9, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
508 State St, Fremont, MI 49412
48 Month Share Certificate
$0
4.50%
▲ 1.70% above avg
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.80%▲ 1.70% above avg
Details
Rates effective October 1, 2026
Rate History
No change since Sep 25, 2026 · 4.50% APY · checked 4 times
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
156 Spring St, West Roxbury, MA 02132
48 Month Certificate of Deposit
$1,000
4.50%
▲ 1.70% above avg
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.80%▲ 1.70% above avg
Details
No additional details available.
Rate History
No change since Oct 13, 2026 · 4.50% APY
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
CA
48 month Certificate - Rewards+ Loyalty Program
$500
4.50%
▲ 1.70% above avg
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 1.70% above avg
Details
Rewards+ Loyalty Program
Rate History
No change since Oct 14, 2026 · 4.50% APY
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
48 Month Share Certificate
$0
4.50%
▲ 1.70% above avg
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 1.70% above avg
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
- Sep 27, 20264.50%▲ from 4.20%
- Sep 18, 20264.20%first recorded
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME 04240
IRA 4 Year Certificate
$500
4.50%
▲ 1.70% above avg
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.80%▲ 1.70% above avg
Details
Individual Retirement Accounts Rates; Variable rates subject to change after account opening
Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 4 times
Excel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
5070 Peachtree Industrial Blvd, Peachtree Corners, GA 30071 1587
4 Year Share Certificates/CDs
$500
4.50%
▲ 1.70% above avg
▼
Rate4.43%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.80%▲ 1.70% above avg
Details
Promotional as-high-as rate; $500.00 and above; early withdrawal penalty applies
Rate History
1 change since Sep 12, 2026 · 3.15% → 4.50% ▲ 1.35 pts · high 4.50% / low 3.15%
- Oct 4, 20264.50%▲ from 3.15%
- Sep 12, 20263.15%first recorded
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
4091 Mount Royal Blvd, Allison Park, PA 15101
Business 4 Year CD
$0
4.49%
▲ 1.69% above avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 1.69% above avg
Details
No additional details available.
Rate History
2 changes since Sep 14, 2026 · 4.23% → 4.49% ▲ 0.26 pts · high 4.49% / low 4.23%
- Oct 8, 20264.49%▲ from 4.28%
- Sep 24, 20264.28%▲ from 4.23%
- Sep 14, 20264.23%first recorded
Cornhusker Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
8310 O St, Lincoln, NE 68510
48 Month Certificate of Deposit
$1,000
4.46%
▲ 1.66% above avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 1.66% above avg
Details
No additional details available.
Rate History
1 change since Sep 30, 2026 · 4.07% → 4.46% ▲ 0.39 pts · high 4.46% / low 4.07%
- Oct 1, 20264.46%▲ from 4.07%
- Sep 30, 20264.07%first recorded
Credit One Bank, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
6801 S Cimarron Rd, Las Vegas, NV 89113
48 Month High Yield Jumbo CD
$0
4.45%
▲ 1.65% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 1.65% above avg
Details
10-Day Rate Guarantee
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.45% ▲ 0.30 pts · high 4.45% / low 4.15%
- Oct 14, 20264.45%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1868 S 500 W, Woods Cross, UT 84010
Certificates of Deposit - 48 Months
$0
4.45%
▲ 1.65% above avg
▼
Rate4.36%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 1.65% above avg
Details
Interest is paid monthly; Rate* and APY* fixed until CD renews
Rate History
1 change since Sep 18, 2026 · 4.05% → 4.45% ▲ 0.40 pts · high 4.45% / low 4.05%
- Sep 27, 20264.45%▲ from 4.05%
- Sep 18, 20264.05%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
Certificate of Deposit - 48 Month
$0
4.45%
▲ 1.65% above avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 1.65% above avg
Details
Balance: $100,000.00 and above
Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.45% ▲ 0.15 pts · high 4.45% / low 4.30%
- Oct 14, 20264.45%▲ from 4.40%
- Sep 27, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
200 W Main St, Washington, MO 63090
48 Month CD or IRA CD
$500
4.40%
▲ 1.60% above avg
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 1.60% above avg
Details
Interest paid quarterly
Rate History
No change since Sep 8, 2026 · 4.40% APY · checked 9 times
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
4 Year High-Yield CD
$500
4.40%
▲ 1.60% above avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.80%▲ 1.60% above avg
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
48 Month Dream Fund CD
$100
4.32%
▲ 1.52% above avg
▼
Rate4.25%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.80%▲ 1.52% above avg
Details
No additional details available.
Rate History
No change since Sep 11, 2026 · 4.32% APY · checked 7 times
60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.92% APY▲ 0.05% from last week
The national average 60-month CD rate is 2.92% APY as of October 15, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
201 S Main St Fl 5, Salt Lake City, UT 84111
60 Month Preferred Certificate of Deposit (CD)
$1,000
5.25%
▲ 2.33% above avg
▼
Rate5.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 2.33% above avg
Details
Morgan Stanley Preferred CD; deposits in increments of $1,000
Rate History
No change since Oct 14, 2026 · 5.25% APY
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
60 Month Certificate of Deposit
$1,000
5.25%
▲ 2.33% above avg
▼
Rate5.12%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 2.33% above avg
Details
Minimum opening deposit $2,000 if purchased through Raymond James brokerage account; Rates effective October 9, 2026
Rate History
3 changes since Sep 18, 2026 · 4.95% → 5.25% ▲ 0.30 pts · high 5.25% / low 4.95%
- Oct 14, 20265.25%▲ from 5.20%
- Oct 7, 20265.20%▲ from 5.00%
- Sep 27, 20265.00%▲ from 4.95%
- Sep 18, 20264.95%first recorded
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
5 Year FDIC-Insured Certificate of Deposit
$0
5.20%
▲ 2.28% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.92%▲ 2.28% above avg
Details
No additional details available.
Rate History
3 changes since Sep 24, 2026 · 4.90% → 5.20% ▲ 0.30 pts · high 5.20% / low 4.90%
- Oct 11, 20265.20%▲ from 5.15%
- Oct 7, 20265.15%▲ from 5.05%
- Sep 27, 20265.05%▲ from 4.90%
- Sep 24, 20264.90%first recorded
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2485 Village View Dr, Henderson, NV 89074
60 Month CERTIFICATES OF DEPOSIT
$0
5.15%
▲ 2.23% above avg
▼
Rate5.05%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.92%▲ 2.23% above avg
Details
No additional details available.
Rate History
1 change since Sep 24, 2026 · 4.89% → 5.15% ▲ 0.26 pts · high 5.15% / low 4.89%
- Oct 7, 20265.15%▲ from 4.89%
- Sep 24, 20264.89%first recorded
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
1610 Janesville Ave, Fort Atkinson, WI 53538
Certificates - 60-Month
$250
5.15%
▲ 2.23% above avg
▼
Rate5.05%
Min Deposit$250
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.92%▲ 2.23% above avg
Details
Dividends Paid: Quarterly; $250 minimum to open
Rate History
No change since Oct 13, 2026 · 5.15% APY
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
510 S Dexter St, Ionia, MI 48846
60 Month Minor CD Special
$100
5.12%
▲ 2.20% above avg
▼
Rate5.00%
Min Deposit$100
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.92%▲ 2.20% above avg
Details
Dividend Rate (as APR) 5.00%; Minimum $100 Min/$5000 Max; Opening balance range $100 to $5,000
Rate History
No change since Sep 18, 2026 · 5.12% APY · checked 2 times
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
104 S Cascade Ave, Colorado Springs, CO 80903
60 Month Variable IRA
$250
5.11%
▲ 2.19% above avg
▼
Rate4.99%
Min Deposit$250
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.92%▲ 2.19% above avg
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.57% → 5.11% ▲ 0.54 pts · high 5.11% / low 4.57%
- Oct 11, 20265.11%▲ from 4.57%
- Sep 14, 20264.57%first recorded
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
3988 West Delphi Road, Sweetser, IN 46987
60 Month Certificate of Deposit
$1,000
5.09%
▲ 2.17% above avg
▼
Rate5.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.92%▲ 2.17% above avg
Details
No additional details available.
Rate History
2 changes since Sep 11, 2026 · 3.55% → 5.09% ▲ 1.54 pts · high 5.09% / low 3.55%
- Oct 3, 20265.09%▲ from 4.58%
- Sep 24, 20264.58%▲ from 3.55%
- Sep 11, 20263.55%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Mini-Jumbo IRA Share Certificates - 5 year Mini-Jumbo
$20,000
5.05%
▲ 2.13% above avg
▼
Rate4.93%
Min Deposit$20,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 2.13% above avg
Details
Early withdrawal penalty applies before maturity
Rate History
No change since Oct 14, 2026 · 5.05% APY
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
60 Month CD
$0
5.00%
▲ 2.08% above avg
▼
Rate4.88%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 2.08% above avg
Details
No additional details available.
Rate History
2 changes since Sep 24, 2026 · 4.50% → 5.00% ▲ 0.50 pts · high 5.00% / low 4.50%
- Oct 14, 20265.00%▲ from 4.95%
- Oct 1, 20264.95%▲ from 4.50%
- Sep 24, 20264.50%first recorded
Seven Seventeen Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
3181 Larchmont Ave NE, Warren, OH 44483 2435
60 Month Jumbo Certificate
$0
5.00%
▲ 2.08% above avg
▼
Rate4.89%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.92%▲ 2.08% above avg
Details
Special Jumbo Certificate Bonus! Boost Your Earnings - Get an additional 0.25% APY on a Jumbo Certificate with a balance of $250,000+
Rate History
1 change since Sep 14, 2026 · 4.05% → 5.00% ▲ 0.95 pts · high 5.00% / low 4.05%
- Oct 9, 20265.00%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2284 3rd St W, Dickinson, ND 58601
IRA 60 Month CD
$0
4.96%
▲ 2.04% above avg
▼
Rate4.90%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 2.04% above avg
Details
IRA CD; Balance: $100.00 minimum to open and obtain APY
Rate History
No change since Oct 14, 2026 · 4.96% APY
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
60 Month Share Certificates (CDs) - Jumbo
$1,000
4.95%
▲ 2.03% above avg
▼
Rate4.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.92%▲ 2.03% above avg
Details
Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.
Rate History
No change since Oct 13, 2026 · 4.95% APY
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
315 Croghan St, Fremont, OH 43420 3013
60 Month Share Certificate
$0
4.90%
▲ 1.98% above avg
▼
Rate4.79%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.92%▲ 1.98% above avg
Details
Type: Regular/IRA; Dividends compound & paid: Daily
Rate History
1 change since Sep 18, 2026 · 4.31% → 4.90% ▲ 0.59 pts · high 4.90% / low 4.31%
- Oct 15, 20264.90%▲ from 4.31%
- Sep 18, 20264.31%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
5 Year Regular, IRA & Business Jumbo Certificates
$0
4.87%
▲ 1.95% above avg
▼
Rate4.76%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 1.95% above avg
Details
No additional details available.
Rate History
1 change since Sep 18, 2026 · 4.49% → 4.87% ▲ 0.38 pts · high 4.87% / low 4.49%
- Oct 1, 20264.87%▲ from 4.49%
- Sep 18, 20264.49%first recorded
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1129 State St, Erie, PA 16501 1911
Share Certificates - 60 month Certificate
$0
4.81%
▲ 1.89% above avg
▼
Rate4.73%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.92%▲ 1.89% above avg
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.37% → 4.81% ▲ 0.44 pts · high 4.81% / low 4.37%
- Oct 9, 20264.81%▲ from 4.37%
- Sep 14, 20264.37%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023
5 Year Business Certificate
$0
4.80%
▲ 1.88% above avg
▼
Rate4.69%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 1.88% above avg
Details
No additional details available.
Rate History
1 change since Sep 27, 2026 · 4.15% → 4.80% ▲ 0.65 pts · high 4.80% / low 4.15%
- Oct 6, 20264.80%▲ from 4.15%
- Sep 27, 20264.15%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
60-Month Certificate
$1,000
4.80%
▲ 1.88% above avg
▼
Rate4.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.92%▲ 1.88% above avg
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 4.13% → 4.80% ▲ 0.67 pts · high 4.80% / low 4.13%
- Oct 9, 20264.80%▲ from 4.13%
- Sep 14, 20264.13%first recorded
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1085 W Lathrop Ave, Savannah, GA 31415
IRA Certificates - 60 Months
$0
4.80%
▲ 1.88% above avg
▼
Rate4.70%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.92%▲ 1.88% above avg
Details
Penalty: 180 Days
Rate History
No change since Oct 8, 2026 · 4.80% APY · checked 3 times
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
5 Year Certificates of Deposit (CDs)
$1,000
4.79%
▲ 1.87% above avg
▼
Rate4.74%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 1.87% above avg
Details
Balance: $100,000+
Rate History
1 change since Sep 14, 2026 · 4.48% → 4.79% ▲ 0.31 pts · high 4.79% / low 4.48%
- Sep 24, 20264.79%▲ from 4.48%
- Sep 14, 20264.48%first recorded
Piscataqua Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15 Pleasant St, Portsmouth, NH 03801
5 Year CD
$500
4.76%
▲ 1.84% above avg
▼
Rate4.65%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 1.84% above avg
Details
Minimum balance to earn APY: $0.01; Early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 4.76% APY
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
125 S West St, Wilmington, DE 19801
60 Month Online CD
$0
4.75%
▲ 1.83% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 1.83% above avg
Details
No additional details available.
Rate History
1 change since Oct 7, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
- Oct 14, 20264.75%▲ from 4.25%
- Oct 7, 20264.25%first recorded
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
687 Lincoln St, Galesburg, IL 61401
60 Month Share Certificate
$0
4.75%
▲ 1.83% above avg
▼
Rate4.65%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 1.83% above avg
Details
Nominal Rate 4.65%; footnote ** referenced in source
Rate History
No change since Oct 10, 2026 · 4.75% APY · checked 2 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
60 Month Elite Jumbo CD
$250,000
4.75%
▲ 1.83% above avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.92%▲ 1.83% above avg
Details
No additional details available.
Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
- Oct 5, 20264.75%▲ from 4.25%
- Sep 21, 20264.25%first recorded
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
1055 S Congress Ave, West Palm Beach, FL 33406 5195
Jumbo 60 Month Certificates
$75,000
4.75%
▲ 1.83% above avg
▼
Rate4.67%
Min Deposit$75,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 1.83% above avg
Details
Early withdrawal penalty: 180 days interest
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
- Oct 14, 20264.75%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
156 Spring St, West Roxbury, MA 02132
60 Month Certificate of Deposit
$1,000
4.75%
▲ 1.83% above avg
▼
Rate4.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.92%▲ 1.83% above avg
Details
No additional details available.
Rate History
No change since Oct 13, 2026 · 4.75% APY
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
519 Main St, Kewaunee, WI 54216
60 Month Relationship CD
$2,500
4.75%
▲ 1.83% above avg
▼
Rate4.67%
Min Deposit$2,500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 1.83% above avg
Details
Minimum $2500 to open; Relationship is defined as Direct Deposit Checking
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
- Sep 24, 20264.75%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
1522 Main St, Unionville, MO 63565
60 Month Certificate of Deposit
$0
4.70%
▲ 1.78% above avg
▼
Rate4.60%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 1.78% above avg
Details
Balance: $100,000.00 and over; Rates as of September 18, 2026
Rate History
1 change since Sep 14, 2026 · 4.18% → 4.70% ▲ 0.52 pts · high 4.70% / low 4.18%
- Oct 14, 20264.70%▲ from 4.18%
- Sep 14, 20264.18%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates - 60 Months Jumbo IRA
$100,000
4.70%
▲ 1.78% above avg
▼
Rate4.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 1.78% above avg
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.54% → 4.70% ▲ 0.16 pts · high 4.70% / low 4.54%
- Oct 10, 20264.70%▲ from 4.54%
- Sep 14, 20264.54%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
5 Year Business CD
$5,000
4.70%
▲ 1.78% above avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.92%▲ 1.78% above avg
Details
Balance: $1,000,000.00 and over
Rate History
No change since Oct 13, 2026 · 4.70% APY
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1509 4th Ave S, Birmingham, AL 35233 1612
60 Month IRA
$0
4.70%
▲ 1.78% above avg
▼
Rate4.70%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.92%▲ 1.78% above avg
Details
IRA CDs pay at maturity; Early withdrawal penalty of 90 days interest
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
- Oct 9, 20264.70%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
127 West Ave N, La Crosse, WI 54601 3528
Jumbo Individual Retirement Account Certificates - 60-month
$0
4.66%
▲ 1.74% above avg
▼
Rate4.58%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.92%▲ 1.74% above avg
Details
Traditional, Roth, and Coverdell IRA; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.66% ▲ 1.01 pts · high 4.66% / low 3.65%
- Oct 5, 20264.66%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
310 Caldwell St, Chillicothe, OH 45601
Print Share and IRA Jumbo Certificates - 60 Mo.
$0
4.65%
▲ 1.73% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 9, 2026
MBR National Avg2.92%▲ 1.73% above avg
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 4.14% → 4.65% ▲ 0.51 pts · high 4.65% / low 4.14%
- Sep 22, 20264.65%▲ from 4.14%
- Sep 14, 20264.14%first recorded
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
255 Main St, Massena, NY 13662
60 Month CD
$0
4.64%
▲ 1.72% above avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 1.72% above avg
Details
No additional details available.
Rate History
1 change since Sep 19, 2026 · 3.23% → 4.64% ▲ 1.41 pts · high 4.64% / low 3.23%
- Oct 3, 20264.64%▲ from 3.23%
- Sep 19, 20263.23%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
60 Month Certificate of Deposit
$0
4.63%
▲ 1.71% above avg
▼
Rate4.55%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 1.71% above avg
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.42% → 4.63% ▲ 0.21 pts · high 4.63% / low 4.42%
- Oct 7, 20264.63%▲ from 4.42%
- Sep 18, 20264.42%first recorded
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1290 S Donahue Dr, Auburn, AL 36832 6330
54 - 60 Month Share Certificates - Jumbo Rate
$100,000
4.61%
▲ 1.69% above avg
▼
Rate4.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 1.69% above avg
Details
$100,000+; Compound Period: Quarterly
Rate History
No change since Oct 14, 2026 · 4.61% APY
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
241 E Saginaw St, East Lansing, MI 48823
60 Month Certificate of Deposit
$0
4.60%
▲ 1.68% above avg
▼
Rate4.52%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 1.68% above avg
Details
Minimum balance $1,000 to obtain the APY; APY assumes principal and interest remain on deposit until maturity; early withdrawal penalty may apply
Rate History
3 changes since Sep 18, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
- Oct 14, 20264.60%▲ from 4.50%
- Oct 2, 20264.50%▲ from 4.30%
- Sep 24, 20264.30%▲ from 4.20%
- Sep 18, 20264.20%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
800 Wayne Ave, Chambersburg, PA 17201 3810
60 Month Share Certificate
$0
4.60%
▲ 1.68% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.92%▲ 1.68% above avg
Details
Balance: $250,000.01+; Available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance
Rate History
No change since Oct 13, 2026 · 4.60% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
19701 Hamilton Ave ste 130, Torrance, CA 90502 1368
5 Year Roth Executive IRA Certificate
$100,000
4.60%
▲ 1.68% above avg
▼
Rate4.50%
Min Deposit$100,000
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.92%▲ 1.68% above avg
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
- Oct 15, 20264.60%▲ from 3.60%
- Sep 14, 20263.60%first recorded
1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
1000 W Wisconsin St, Sparta, WI 54656 2230
60-Month Youth Certificate Special
$500
4.60%
▲ 1.68% above avg
▼
Rate4.50%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 13, 2026
MBR National Avg2.92%▲ 1.68% above avg
Details
Age: 0-12 years old; Minimum deposit of $500, Maximum $10,000; Effective Date: Tuesday, October 13th, 2026; Certificate must be in the minor's name; Cannot be opened as UTMA account
Rate History
No change since Oct 13, 2026 · 4.60% APY
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
4091 Mount Royal Blvd, Allison Park, PA 15101
Business 5 Year CD
$0
4.59%
▲ 1.67% above avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 1.67% above avg
Details
No additional details available.
Rate History
2 changes since Sep 14, 2026 · 4.28% → 4.59% ▲ 0.31 pts · high 4.59% / low 4.28%
- Oct 8, 20264.59%▲ from 4.33%
- Sep 24, 20264.33%▲ from 4.28%
- Sep 14, 20264.28%first recorded
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2311 Robert J Glasgow Loop, Stephenville, TX 76401
5 Year Certificate Accounts
$0
4.59%
▲ 1.67% above avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.92%▲ 1.67% above avg
Details
Jumbo/Min. $90,000 tier
Rate History
1 change since Sep 25, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
- Oct 15, 20264.59%▲ from 4.33%
- Sep 25, 20264.33%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
Certificate of Deposit - 5-year
$1,000
4.55%
▲ 1.63% above avg
▼
Rate4.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 1.63% above avg
Details
Amount: $1,000.00 and up
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
- Sep 28, 20264.55%▲ from 3.75%
- Sep 14, 20263.75%first recorded
First Westroads Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
15750 W Dodge Rd, Omaha, NE 68118
60 Month CD
$500
4.55%
▲ 1.63% above avg
▼
Rate4.47%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 1.63% above avg
Details
Substantial penalty for early withdrawal
Rate History
No change since Sep 20, 2026 · 4.55% APY · checked 7 times
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Congress Dr Hwy 33, Newburg, WI 53060
60 mo Certificate of Deposit
$500
4.54%
▲ 1.62% above avg
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.92%▲ 1.62% above avg
Details
Balance: $10,000 or above; Interest Credited: Monthly; Fixed
Rate History
No change since Sep 14, 2026 · 4.54% APY · checked 7 times
TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
33485 Lexington Ave, De Soto, KS 66018
60 Month Certificate
$1,000
4.50%
▲ 1.58% above avg
▼
Rate4.43%
Min Deposit$1,000
Min Balance—
Verified and UpdatedOct 11, 2026
MBR National Avg2.92%▲ 1.58% above avg
Details
No additional details available.
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
- Sep 24, 20264.50%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Credit One Bank, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
6801 S Cimarron Rd, Las Vegas, NV 89113
60 Month High Yield Jumbo CD
$0
4.50%
▲ 1.58% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 1.58% above avg
Details
10-Day Rate Guarantee
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Oct 14, 20264.50%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
7007 Broadway Ave, Cleveland, OH 44105
60 Month Bonus CD
$0
4.50%
▲ 1.58% above avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 1.58% above avg
Details
Bonus CD; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
300 Arneill Rd, Camarillo, CA 93010
Epic Premium Promotion 5-year Term Share Certificate
$0
4.50%
▲ 1.58% above avg
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedOct 15, 2026
MBR National Avg2.92%▲ 1.58% above avg
Details
Epic Premium account holders enjoy a .25% bonus on a new 5-year Term Share Certificate to 4.500% APY | 4.410% Stated Rate
Rate History
No change since Oct 12, 2026 · 4.50% APY · checked 2 times
ORNL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
60-Month IRA PROMOTIONAL Certificate
$500
4.50%
▲ 1.58% above avg
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 1.58% above avg
Details
IRA; Minimum deposit $500 required; Certificate Rates
Rate History
1 change since Sep 18, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 6, 20264.50%▲ from 4.25%
- Sep 18, 20264.25%first recorded
City State Bank Norwalk, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
801 Main St, Norwalk, IA 50211
60 Month Relationship CD
$500
4.40%
▲ 1.48% above avg
▼
Rate4.36%
Min Deposit$500
Min Balance—
Verified and UpdatedOct 14, 2026
MBR National Avg2.92%▲ 1.48% above avg
Details
Must have a loan, deposit, or trust and investment account with City State Bank; Early withdrawal penalties may apply; APY assumes interest remains on deposit until maturity
Rate History
No change since Sep 28, 2026 · 4.40% APY · checked 5 times
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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.
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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
2.990%
▲ 0.018 from last week
National 12-month CD rates rose 0.018 points this week to 2.990%, up from 2.972% last week.
6-Month CD, National Avg
2.778%
▲ 0.005 from last week
National 6-month CD rates rose 0.005 points this week to 2.778%, up from 2.773% last week.
CD Rate Averages by Term
National average CD rates as of October 15, 2026, compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
| CD Term | National Average APY | Weekly Change | 26-Week Trend |
|---|---|---|---|
| 3-Month CD | 2.12% | ▲ 0.03% | |
| 6-Month CD | 2.78% | ▲ 0.01% | |
| 12-Month CD | 2.99% | ▲ 0.02% | |
| 18-Month CD | 2.88% | ▲ 0.02% | |
| 24-Month CD | 2.89% | ▲ 0.02% | |
| 36-Month CD | 2.81% | ▲ 0.01% | |
| 48-Month CD | 2.80% | ▲ 0.02% | |
| 60-Month CD | 2.92% | ▲ 0.05% |
CD Rate Trends
Daily average APYs across all CD terms. Hover over the chart to see exact rates for each day.
As of Oct 15, 2026 • Source: MonitorBankRates • 8,500+ U.S. banks & credit unions
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What Your Savings Earn at National CD Rates Today
Annual interest earnings at today’s national average APYs, compiled from 8,500+ banks and credit unions.
| CD Term | National Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.120% | $105.99 | $211.97 | $529.93 | $1,059.85 |
| 6-Month CD | 2.778% | $138.92 | $277.84 | $694.60 | $1,389.20 |
| 12-Month CD | 2.990% | $149.52 | $299.04 | $747.60 | $1,495.20 |
| 18-Month CD | 2.878% | $143.92 | $287.84 | $719.60 | $1,439.20 |
| 24-Month CD | 2.886% | $144.30 | $288.59 | $721.48 | $1,442.95 |
| 36-Month CD | 2.810% | $140.52 | $281.03 | $702.57 | $1,405.15 |
| 48-Month CD | 2.803% | $140.15 | $280.30 | $700.75 | $1,401.50 |
| 60-Month CD | 2.922% | $146.12 | $292.23 | $730.57 | $1,461.15 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Top offers in the tables above pay well over these averages. Rates as of October 15, 2026. | |||||
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Sample CD Ladder at Today’s National Averages
$25,000 split equally across 5 terms using today’s national average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | National Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.120% | $105.99 |
| 2 | 6-Month CD | $5,000 | 2.778% | $138.92 |
| 3 | 12-Month CD | $5,000 | 2.990% | $149.52 |
| 4 | 24-Month CD | $5,000 | 2.886% | $144.30 |
| 5 | 36-Month CD | $5,000 | 2.810% | $140.52 |
| Total ($25,000 invested) | $25,000 | 2.717% blended | $679.25/yr | |
Ladder example uses equal $5,000 rungs and national average APYs. Actual earnings depend on the specific institution and product chosen. The top offers above pay well over the averages. Use the calculator below to model your exact deposit amounts.
Powered byMonitorBankRates
8,500+
Banks & Credit Unions Monitored Nationwide
Thousands of Rates Tracked
All 50 States • Updated Daily
About Our National CD Rate Database
MonitorBankRates monitors CD rates from 8,500+ banks and credit unions across all 50 states, spanning all eight major terms from 3 months to 60 months. The tables above surface the highest-yield offers available nationwide today from the thousands of verified rates in our database, and the state and minimum-deposit filters let you narrow the full database to offers available where you live. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top 12-month rate: Southeast Missouri Community Credit Union offers a 12-month CD at 6.14% APY with a minimum deposit of $100. Use the term tabs above to compare all current national offers.
How to Find the Best CD Rates
What to compare when shopping for a certificate of deposit
To find the best CD APYs, start with credit unions and online-only banks. They consistently offer the highest yields because they have lower overhead than traditional brick-and-mortar banks and compete aggressively for deposits. Use the state filter in the tables above to see how local institutions stack up against the national leaders.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn. The current national average 12-month CD APY is 2.990% , but top institutions are offering as high as 6.14%, so shopping around pays off.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You’re building a CD ladder for predictable income with regular access to a portion of your savings
Consider an Alternative If…
- You may need the funds within 30 days. Compare savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare money market rates
U.S. Saver Snapshot
National demographics and economic context for CD savers, Source: U.S. Census Bureau
Population 65+
17.3%
U.S. average
Median Individual Earnings
$47,340
U.S. average
Poverty Rate
11.1%
U.S. average
Unemployment Rate
4.8%
U.S. average
CD Earnings on 10% of Salary
$142/yr
At national 12-mo avg 2.990% APY
At today’s national 12-month CD average of 2.990%, saving 10% of the U.S. median salary ($4,734/year) and putting it in a CD would earn an additional $142 annually in guaranteed interest, and the top national offers above pay even more.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
CD Rates vs. Other Savings Options
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Compare live rates: savings rates · money market rates
CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current top national rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
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
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.
Disclaimer: Interest rates are variable and subject to change without notice. It is always advisable to verify current offers directly with the institution’s official website. Last Updated and Verified: October 15, 2026
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