Best Certificate of Deposit Rates June 2026 Up to 5.50%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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If you are looking to maximize your savings, you can compare national CD options like Gundersen Credit UnionGundersen Credit Union1910 South Ave, La Crosse, WI 54601A+5.0 ★Texas Ratio: 0.77% offering Teenager (Age 13-17) - 12 Month Term at 5.50% APY, or GLASS CITYGLASS CITY1340 Arrowhead Dr, Maumee, OH 43537A+5.0 ★Texas Ratio: 3.10% offering 12 Month Youth CD at 5.00% APY, or OMNI Community Credit UnionOMNI Community Credit Union3141 Capital Ave SW, Battle Creek, MI 49015A+5.0 ★Texas Ratio: 3.29% offering 12 Month Youth Special at 5.00% APY, or Best Financial Credit UnionBest Financial Credit Union1888 E Sherman Blvd, Muskegon, MI 49444 1822A+5.0 ★Texas Ratio: 3.41% offering 12 Month Super Kids at 5.00% APY. CD rates as of June 23, 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: June 23, 2026
Compare the Best CD Rates Nationwide
3 Month CD Rates
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EARLY WITHDRAWAL PENALTIES (Minimum $25): 91 Days Interest
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6 Month CD Rates
Limit of one CD per member
$500-$1000,; Limit of one CD per member
Max $5,000
Must be funded by new money not currently on deposit
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Bonus Rate: 5.00%
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Bonus Rate: 5.00%
$10,000 +
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Under $10,000
Deposit Amount: $100,001 and up
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Limited Time Offer! Withdrawals will reduce earnings. A penalty will be imposed for early withdrawal.
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Branch $1,000 Minimum Deposit
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EARLY WITHDRAWAL PENALTIES (Minimum $25): 181 Days Interest
A minimum deposit of $1,000 is required to open a CD | Rates subject to change | Member FDIC
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Dividends paid at the end of each quarter and at maturity. A dividend penalty will be charged for early withdrawal.
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12 Month CD Rates
Deposit Certificiate
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Youth Special
Early Withdrawal Penalty: 90 days interest
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This account is available only for members under 18 years of age.
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Non-premier member APY: 4.25% | Dividend Rate: 4.17%
Additional deposits are permitted at any time until maturity, up to the maximum. A penalty may be imposed for early withdrawals. If the Certificate is redeemed prior to the maturity date the following penalty will apply: If the term is over 6 months to 60 months - the lesser of dividends earned since issuance or renewal or 180 days dividends. There is no penalty for withdrawals as a result of the death of any owner. If the Certificate is withdrawn within the 10 days following the maturity date, no penalty will apply. Fees could reduce earnings on the account. See Starter Certificate Disclosure for complete terms. APY = Annual Percentage Yield as of 06/15/2026 for a 12-month Starter Certificate; subject to change at any time.
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Fees can reduce the earnings on any of the above accounts. The minimum deposit on a CD or IRA is $500.00.
Balance: Under $100,000
Balance: Under $100,000
Balance: Under $100,000
Balance: Under $100,000
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Stated rate is 4.169%. APY is accurate as of June 1, 2026. Fees can reduce earnings on the account. Early withdrawal penalties may apply. Offers may be modified or ended without notice.
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18 Month CD Rates
Interest Will Be Credited: Quarterly
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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
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Fees can reduce the earnings on any of the above accounts. The minimum deposit on a CD or IRA is $500.00.
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Certificate of Deposit Special!
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Basic MVP** Level Dividend Rate: 4.10%, Silver MVP** Level Dividend Rate: 4.10%, Gold MVP** Level Dividend Rate: 4.10%
Variable rate certificate. The rate is adjusted on the first of each month and is calculated by using the 24-month Treasury Bill rate in effect on the 10th day of the previous month plus 0.25% (25 basis points). At maturity, the certificate automatically renews.
This is a variable rate certificate. The rate is adjusted on the first of each month and is calculated by using the 24-month Treasury Bill rate in effect on the 10th day of the previous month plus 0.25% (25 basis points). At maturity, the certificate automatically renews.
Featured rate
The Best Share Certificate Rates In the Local Market!
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For a limited time, get a competitive rate with just $500 to open.
24 Month CD Rates
paid annually
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Fees can reduce the earnings on any of the above accounts. The minimum deposit on a CD or IRA is $500.00.
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Variable yield account with no cap.
Variable Rate
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Penalty for early withdrawal
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Balance: $100,000 and over
Balance: $100,000 and over
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Balance: $100,000 and over
Balance: $100,000 and over
36 Month CD Rates
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Variable Rate
Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
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payroll deposit only
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Opening Balance: Under $10,000; Interest Will Be Credited: Annually
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Fees can reduce the earnings on any of the above accounts. The minimum deposit on a CD or IRA is $500.00.
See details. Not available for purchase effective June 7, 2022.
See details. Not available for purchase effective June 7, 2022.
48 Month CD Rates
paid annually
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60 Month CD Rates
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Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
Variable Rate
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Opening Balance: Under $10,000; Interest Will Be Credited: Annually
Click to Open CD
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payroll deposit only
($500 minimum deposit required)
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($500 minimum deposit required)
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$100,000 and Above
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
National CD Rate Trends
Weekly national average APYs across all 8 CD terms — compiled from 8,500+ banks & credit unions, updated nightly.
National 12-month CD rates fell 0.007 points this week to 2.823%, down from 2.829% last week.
National 6-month CD rates rose 0.003 points this week to 2.695%, up from 2.692% last week.
CD Rate Trends
Weekly average APYs across all CD terms. Hover over the chart to see exact rates for each week.
Frequently Asked Questions about CD Rates
What is a Certificate of Deposit (CD)?
Are CD rates higher than regular savings accounts?
Is my money safe in a CD?
What happens if I withdraw money from a CD early?
What is APY and how does it differ from the interest rate?
What CD term should I choose?
What is a CD ladder?
Can I add money to a CD after opening it?
CD Calculators
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our nationwide CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields across the country. We feature a comprehensive mix of financial institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly based on Federal Reserve policy and market conditions, every CD product listed features its own specific “last updated” date for full transparency.
Proprietary Institution Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you deposit with secure, reliable institutions.
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