Best CD Rates November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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CD rates range from 4.25% to 10.00% APY, verified by MonitorBankRates as of November 3, 2026. Top CD rates currently available include Southeast Missouri Community Credit Union offering Certificate of Deposit - 12 Month Youth at 6.14% APY, and Vacationland Federal Credit Union offering Youth Certificates - 12 Months at 6.03% APY, and Congressional Federal Credit Union offering Share Certificate - 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 November 3, 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: November 3, 2026
Compare the Best CD Rates Nationwide
3 Month CD Rates
The national average 3-month CD rate is 2.12% APY as of November 6, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.
Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity
Rates accurate as of August 14, 2024
Stated on page as 4.50% APY* on 3, 6, and 12-month share certificates; APY fixed for initial term; early withdrawal penalties apply; membership eligibility required
Account code 35; Interest compounded monthly (Int. Monthly); Certificate Rates
- Oct 23, 20264.50%▲ from 2.35%
- Oct 13, 20262.35%first recorded
Balance: over $250,000.00; Interest compounded and credited monthly
Jumbo rates apply for deposits of $100,000 or more; New Money Only
Starting minimum deposit of $500; not eligible for Member Saver Reward
Early Withdrawal Penalty (EWD): 2%; Rates as of 11/02/2026; CDs must be opened at a PSB Bank office
- Nov 5, 20264.33%▲ from 0.50%
- Sep 7, 20260.50%first recorded
Dividends: Quarterly; Max: $6,000,000
No additional details available.
- Oct 26, 20264.31%▼ from 4.32%
- Oct 22, 20264.32%first recorded
No additional details available.
- Oct 26, 20264.30%▲ from 3.20%
- Sep 18, 20263.20%first recorded
No additional details available.
Personal: $500 minimum opening deposit; Business: $1000 minimum opening deposit; Short-term savings with penalty-free access; No penalty for early withdrawals
APY current as of 10/30/2026; $25,000 minimum deposit in a single transaction
- Nov 5, 20264.26%▲ from 4.00%
- Oct 31, 20264.00%▼ from 4.08%
- Oct 22, 20264.08%first recorded
Balance: $10,000 and over
- Oct 31, 20264.25%▲ from 3.19%
- Sep 19, 20263.19%first recorded
6 Month CD Rates
The national average 6-month CD rate is 2.80% APY as of November 6, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.
$1,000 max; Interest paid quarterly; Without a Century checking account, subtract .10%
$500-$1000; Limit of one CD per member; Open a Youth CD
Balance: $50 - $5,000; Effective as of June 15, 2026
Accounts: Teen Cents Club, Junior Savers, Kangaroo Kids Club; Maximum $5,000.00 (Aggregate); Dividends compounded semi-annually; Subject to penalty for early withdrawal
Minimum: Amount of 4H or FFA - Youth Fair Participation Check, Max $5,000
Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal
- Oct 12, 20265.00%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Balance: $5,000 and over
Balance: $500-$15,000
Military rate; Qualified Military Members, requires full direct deposit of $2,000 or more into checking; military status verification required
Tier 1; Balance: $500-$2,499.99; Effective Date: October 01, 2026
Kids Share Certificates (Under 18); $100.00 opening balance; unlimited deposits allowed; Early withdrawal: for certificates 12 months or shorter, penalty of ninety (90) days' dividends
Youth Saver; Renewal rates at maturity at prevailing rates; Early withdrawal penalties apply; Dividends compounded daily and credited monthly
Must be funded by new money not currently on deposit; $2,000 and above; Dividends paid: Monthly
No additional details available.
Third 6-month term; 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
12 Month CD Rates
The national average 12-month CD rate is 3.02% APY as of November 6, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.
Youth certificate; $1000.00 Maximum; Certificates of Deposit as of 04/29/2026
Age: 19; Maximum $20,000.00 per child, regardless of the number of certificates held by the child
Rates effective as of 10/22/2026
$3,000 maximum
Terms Apply; Balance: < $90,000
Balance: $50 - $5,000; Effective as of June 15, 2026
Ages: 13-17; Dividends compounded quarterly; Additional deposits not permitted except Youngster and Teenager Certificates; 180 days interest early withdrawal penalty
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
Legacy CD - for a beneficiary, representative, or joint owner of a deceased member's account; Min deposit $5,000.00, Max deposit $1,000,000; two withdrawals and two additional deposits without penalty during the 12-month period
$5,000.00 minimum, $100,000.00 maximum for each certificate; 90 penalty for early withdrawal; 10 day grace period at end of contract; Dividends are paid quarterly and deposited to certificate
Balance: $100,000 and over
- Oct 29, 20265.00%▲ from 3.75%
- Sep 18, 20263.75%first recorded
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
Balance tier: $25,000 and over; Rate effective October 1, 2026
Effective 10/23/2026
Jumbo certificate; cannot be opened online, visit any branch or call 1-800-877-6440
18 Month CD Rates
The national average 18-month CD rate is 2.93% APY as of November 6, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.
Military rate; requires verification of military status and full direct deposit of $2,000 or more into checking; At maturity, the CD will be renewed into a 24-month CD
Special Rate
Promotional rate; Members log in to open
- Oct 26, 20265.05%▲ from 4.10%
- Oct 1, 20264.10%first recorded
See Fair Special options; second rate column under Preferred Rate with any checking account heading; for youth with a Missouri Fair ribbon or sash, age 22 or younger; APY* minimum balance $500.00
- Oct 26, 20265.00%▲ from 4.90%
- Oct 21, 20264.90%first recorded
APY current as of 10/30/2026; $25,000 minimum deposit in a single transaction
- Nov 5, 20264.85%▲ from 4.50%
- Oct 31, 20264.50%▼ from 4.90%
- Oct 22, 20264.90%first recorded
Interest rate and APY are fixed for the initial term; early withdrawal penalty applies
Interest Will Be Credited: Quarterly; Variable Rate
No additional details available.
No additional details available.
- Oct 26, 20264.80%▲ from 4.75%
- Oct 19, 20264.75%▲ from 4.65%
- Oct 6, 20264.65%▲ from 4.55%
- Oct 1, 20264.55%▲ from 4.35%
No additional details available.
- Oct 26, 20264.77%▲ from 3.75%
- Sep 14, 20263.75%first recorded
No additional details available.
- Oct 19, 20264.75%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Promo rate; 25% of opening deposit must be new money; penalties apply for early withdrawal; converts to regular certificate at maturity unless changed during 7-day grace period
Minimum balance of $100,000 required for ACBB CDs; Rates last updated: 11/04/2026
- Nov 5, 20264.74%▼ from 4.78%
- Oct 22, 20264.78%first recorded
Online CD
No additional deposits after initial deposit.
- Oct 31, 20264.70%▲ from 4.50%
- Oct 7, 20264.50%▲ from 4.30%
- Sep 18, 20264.30%first recorded
24 Month CD Rates
The national average 24-month CD rate is 2.93% APY as of November 6, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.
No additional details available.
No additional details available.
No additional details available.
Balance: $50 - $5,000; Effective as of June 15, 2026
Interest rate and APY are fixed for the initial term; early withdrawal penalty applies
Jumbo rate; standard jumbo rates available on deposits of $95,000 or more; Early withdrawal penalties apply
- Nov 3, 20264.91%▲ from 4.82%
- Oct 19, 20264.82%first recorded
Earn From; Homepage featured rate card
- Oct 28, 20264.90%▲ from 4.25%
- Oct 8, 20264.25%▲ from 4.00%
- Sep 16, 20264.00%first recorded
Variable IRA rates subject to change monthly
- Oct 11, 20264.86%▲ from 4.39%
- Sep 14, 20264.39%first recorded
Balance: over $250,000.00; Interest compounded and credited monthly
APY current as of 10/30/2026; $25,000 minimum deposit in a single transaction
- Nov 5, 20264.85%▲ from 4.50%
- Oct 31, 20264.50%▼ from 4.91%
- Oct 22, 20264.91%first recorded
Adjustable rate; Open account in person; See fees and rate determination details on page
- Nov 5, 20264.84%▲ from 4.73%
- Oct 7, 20264.73%▲ from 4.29%
- Sep 19, 20264.29%first recorded
IRA certificate; rate may change monthly (1st of each month) and is based on the most recent auction of the two-year Treasury bill
- Nov 6, 20264.82%▼ from 4.91%
- Oct 3, 20264.91%▲ from 4.29%
- Sep 11, 20264.29%first recorded
No additional deposits after initial deposit.
No additional details available.
- Oct 8, 20264.81%▲ from 4.34%
- Sep 16, 20264.34%first recorded
FDIC insurance: at least $250,000
- Oct 22, 20264.80%▲ from 4.40%
- Oct 8, 20264.40%first recorded
36 Month CD Rates
The national average 36-month CD rate is 2.83% APY as of November 6, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.
Ages: 13-15; For ages 13-15 years old; Maximum deposit $10,000
Interest rate and APY are fixed for the initial term; early withdrawal penalty applies
Special youth certificate for members under 21; Maximum deposit: $500
No additional details available.
Minimum to Obtain: $500
- Nov 5, 20265.00%▲ from 4.50%
- Sep 18, 20264.50%first recorded
Interest compounded monthly; 10-day option to withdraw at end of each one-year term; penalty for early withdrawals applies at other times; no brokered deposits
- Sep 24, 20265.00%▲ from 3.97%
- Sep 8, 20263.97%first recorded
Balance: $100,000 and over
- Oct 5, 20265.00%▲ from 4.40%
- Sep 14, 20264.40%first recorded
Share Certificate Accounts as of November 1, 2026
- Nov 5, 20265.00%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Jumbo rate; standard jumbo rates available on deposits of $95,000 or more; Early withdrawal penalties apply
- Nov 3, 20264.98%▲ from 4.93%
- Oct 19, 20264.93%first recorded
Variable IRA rates subject to change monthly
- Oct 11, 20264.96%▲ from 4.44%
- Sep 14, 20264.44%first recorded
Balance: over $250,000.00; Interest compounded and credited monthly
Penalty: 180 Days1
- Nov 2, 20264.95%▲ from 4.60%
- Oct 4, 20264.60%▲ from 4.15%
- Sep 25, 20264.15%first recorded
Adjustable rate; Not available for purchase effective June 7, 2022
- Nov 5, 20264.93%▲ from 4.81%
- Oct 4, 20264.81%▲ from 4.29%
- Sep 27, 20264.29%first recorded
No additional details available.
APY current as of 10/30/2026; $25,000 minimum deposit in a single transaction
- Nov 5, 20264.90%▲ from 4.50%
- Oct 31, 20264.50%▼ from 4.60%
- Oct 22, 20264.60%first recorded
48 Month CD Rates
The national average 48-month CD rate is 2.83% APY as of November 6, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.
Interest rate and APY are fixed for the initial term; early withdrawal penalty applies
No additional details available.
No additional details available.
Certificate Account; fixed-rate; dividends compounded and paid monthly; penalty for withdrawal before maturity; Term/IRA Term table
Share Certificate Accounts as of November 1, 2026
- Nov 5, 20265.00%▲ from 4.15%
- Sep 18, 20264.15%first recorded
No additional details available.
Minimum to open $20,000; early withdrawal penalty applies
- Oct 30, 20264.95%▼ from 5.00%
- Oct 14, 20265.00%first recorded
Penalty: 180 Days1
- Nov 2, 20264.95%▲ from 4.70%
- Oct 4, 20264.70%▲ from 4.15%
- Sep 25, 20264.15%first recorded
Rates effective as of November 3, 2026; IRA certificates are for individuals only
- Nov 5, 20264.90%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Balance: $75,000 - $199,999.99; Compounded Semi-Annually
- Oct 20, 20264.86%▲ from 4.55%
- Oct 14, 20264.55%first recorded
Minimum deposit of $500 required.
Online CD
No additional details available.
- Oct 3, 20264.83%▲ from 4.32%
- Sep 24, 20264.32%▲ from 3.29%
- Sep 11, 20263.29%first recorded
No additional details available.
- Nov 2, 20264.80%▲ from 4.40%
- Oct 12, 20264.40%▲ from 4.30%
- Sep 25, 20264.30%first recorded
Type of Certificate: Regular/IRA; Dividends compound & paid: Daily
- Oct 12, 20264.80%▲ from 4.31%
- Sep 14, 20264.31%first recorded
60 Month CD Rates
The national average 60-month CD rate is 2.93% APY as of November 6, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.
Interest rate and APY are fixed for the initial term; early withdrawal penalty applies
No additional details available.
Minimum $100, maximum $5,000; Minor CD Special
Variable IRA rates subject to change monthly
- Oct 11, 20265.11%▲ from 4.57%
- Sep 14, 20264.57%first recorded
No additional details available.
- Oct 3, 20265.09%▲ from 4.58%
- Sep 24, 20264.58%▲ from 3.55%
- Sep 11, 20263.55%first recorded
Jumbo rate; standard jumbo rates available on deposits of $95,000 or more; Early withdrawal penalties apply
- Nov 3, 20265.06%▲ from 4.95%
- Oct 19, 20264.95%first recorded
Minimum deposit of $500 required.
- Oct 26, 20265.06%▲ from 4.18%
- Sep 14, 20264.18%first recorded
No additional details available.
Dividends Paid: Quarterly; $250 minimum to open. Any certificate may be used for IRAs.
- Oct 26, 20265.01%▼ from 5.15%
- Oct 13, 20265.15%first recorded
No additional details available.
- Oct 26, 20265.00%▲ from 4.50%
- Oct 14, 20264.50%first recorded
No additional details available.
- Oct 26, 20265.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
No additional details available.
Certificate Accounts; fixed-rate; dividends compounded and paid monthly; penalty for withdrawal before maturity
- Oct 23, 20265.00%▲ from 4.15%
- Oct 13, 20264.15%first recorded
Minimum to open $20,000; early withdrawal penalty applies
- Oct 30, 20265.00%▼ from 5.05%
- Oct 14, 20265.05%first recorded
Jumbo certificate bonus: balance of $250,000 or more; additional 0.25% APY tier
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
National CD Rate Trends
Weekly national average APYs across all 8 CD terms, compiled from 8,500+ banks & credit unions, updated nightly.
National 12-month CD rates rose 0.014 points this week to 3.025%, up from 3.010% last week.
National 6-month CD rates rose 0.008 points this week to 2.801%, up from 2.793% last week.
CD Rate Averages by Term
National average CD rates as of November 6, 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% | Unchanged | |
| 6-Month CD | 2.80% | ▲ 0.01% | |
| 12-Month CD | 3.02% | ▲ 0.01% | |
| 18-Month CD | 2.93% | ▲ 0.02% | |
| 24-Month CD | 2.93% | ▲ 0.02% | |
| 36-Month CD | 2.83% | ▲ 0.02% | |
| 48-Month CD | 2.83% | ▲ 0.02% | |
| 60-Month CD | 2.93% | ▲ 0.01% |
CD Rate Trends
Daily average APYs across all CD terms. Hover over the chart to see exact rates for each day.
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 | 2.124% | $106.18 | $212.36 | $530.90 | $1,061.80 |
| 6-Month CD | 2.801% | $140.05 | $280.10 | $700.25 | $1,400.50 |
| 12-Month CD | 3.025% | $151.23 | $302.46 | $756.15 | $1,512.30 |
| 18-Month CD | 2.932% | $146.60 | $293.19 | $732.98 | $1,465.95 |
| 24-Month CD | 2.930% | $146.49 | $292.97 | $732.43 | $1,464.85 |
| 36-Month CD | 2.834% | $141.70 | $283.40 | $708.50 | $1,417.00 |
| 48-Month CD | 2.826% | $141.30 | $282.60 | $706.50 | $1,413.00 |
| 60-Month CD | 2.929% | $146.47 | $292.93 | $732.33 | $1,464.65 |
| 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 November 3, 2026. | |||||
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 | 2.124% | $106.18 |
| 2 | 6-Month CD | $5,000 | 2.801% | $140.05 |
| 3 | 12-Month CD | $5,000 | 3.025% | $151.23 |
| 4 | 24-Month CD | $5,000 | 2.930% | $146.49 |
| 5 | 36-Month CD | $5,000 | 2.834% | $141.70 |
| Total ($25,000 invested) | $25,000 | 2.743% blended | $685.65/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.
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 to 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 3.025% , 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
At today’s national 12-month CD average of 3.025%, saving 10% of the U.S. median salary ($4,734/year) and putting it in a CD would earn an additional $143 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 to 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.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
Frequently Asked Questions about CD Rates
What are CD rates today?
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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