Best Certificate of Deposit (CD) Rates April 2026 Up to 6.17%
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
If you are looking to maximize your savings, you can compare national CD options like Valley Financial Credit UnionValley Financial Credit Union1541 Custer Ave, Billings, MT 59102A+5.0 ★Texas Ratio: 2.09% offering 12 Month Youth Certificate at 6.17% APY, or Schools Federal Credit UnionSchools Federal Credit Union20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306A+5.0 ★Texas Ratio: 1.31% offering Relationship Certificate(12 months) at 5.90% APY, or Frontwave Credit UnionFrontwave Credit Union2454 Vista Way, Oceanside, CA 92054A+5.0 ★Texas Ratio: 2.45% offering 12-Month Savers Certificate at 5.50% APY, or Dairyland Power Credit UnionDairyland Power Credit Union3200 East Ave S, La Crosse, WI 54601 7227A+5.0 ★Texas Ratio: 0.00% offering Teenager (Age 13-17) - 12 Month Term Certificates at 5.50% APY. CD rates as of April 22, 2026 according to verified data from MonitorBankRates.
Finding the best CD rate is one of the safest ways to grow your savings. Unlike variable accounts, a CD lets you lock in a high APY for a specific term, protecting your return from market fluctuations. We empower savers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can choose a stable, highly-rated institution with confidence.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution’s discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 22, 2026
Compare the Best CD Rates Nationwide
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
7665 Merriman Rd, Romulus, MI 48174 1920
Jumbo CD 3 Months
$3,000,000
4.32%
▼
Rate4.25%
Min Deposit$3,000,000
Min Balance—
UpdatedApr 18, 2026
Details
Min: $3,000,000 Max: $6,000,000
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
725 N Main St, Moab, UT 84532 2132
3 month Super CD
$0
4.20%
▼
Rate4.13%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
***
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
181 Main St, West Concord, MN 55985
3 Month Fixed CD
$250
4.16%
▼
Rate4.10%
Min Deposit$250
Min Balance—
UpdatedApr 17, 2026
Details
EARLY WITHDRAWAL PENALTIES (Minimum $25)
Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
851 Allwood Rd, Clifton, NJ 07012
3 Month Share Certificate Special
$0
4.12%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
First State Bank (MI)
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
16100 E 9 Mile Rd, Eastpointe, MI 48021
Jumbo CDs 90 Days
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
No additional details available.
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
3 Month Certificate Accounts and IRA Certificates
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
3-Month Certificate
$1,000
4.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
Limited time offer
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
Share Certificates 3 Months
$1,000
4.07%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Ravalli County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
501 N 1st St, Hamilton, MT 59840 2129
3 Month Youth Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Available to members who are 18 years old or younger.
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
7665 Merriman Rd, Romulus, MI 48174 1920
Jumbo CD 3 Months
$500,000
4.06%
▼
Rate4.00%
Min Deposit$500,000
Min Balance—
UpdatedApr 18, 2026
Details
Min: $500,000 Max: $6,000,000
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
1115 Sagamore Pkwy S, Lafayette, IN 47905
3 Months K ***SPECIAL*** Share Certificates
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
$250
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
1115 Sagamore Pkwy S, Lafayette, IN 47905
3 Months K Share Certificates
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
$250
Omb Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3570 S National Ave, Springfield, MO 65807
3 Month CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Earn 4.05% APY on a 3-month certificate of deposit, offering a fixed rate for a short-term savings option.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northwoods Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1224 4th Ave S, Park Falls, WI 54552 1923
Share Certificate Special Youth Accounts 6 Month
$100
5.06%
▼
Rate5.00%
Min Deposit$100
Min Balance—
UpdatedApr 8, 2026
Details
Teen Cents Club Junior Savers Kangaroo Kids Club Minimum $100.00 Maximum $5,000.00 (Aggregate)
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6310 Dixie Hwy, Bridgeport, MI 48722
6 month - 4H or FFA CD
$0
5.05%
▼
Rate4.93%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Amount of 4H or FFA Check; Max $5,000
Central Vermont Medical Centerinc CU
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
130 Fisher Rd, Berlin, VT 05602
New 6 month CD Special
$0
5.00%
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Must be funded by new money not currently on deposit
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
12364 Highway 49, Gulfport, MS 39503
Youth Share Certificates 6 Months
$500
5.00%
▼
Rate4.89%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Qualifying balance up to $15,000.00
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
6 Month Share Certificates
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Bonus Rate
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2602 Pass Rd, Biloxi, MS 39531 2728
6 Month Share & IRA Certificate
$0
5.00%
▼
Rate4.94%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Promotional rate. Subject to change. Max $50,000 per certificate.
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6310 Dixie Hwy, Bridgeport, MI 48722
6 month SmartStart Youth CD
$100
5.00%
▼
Rate4.88%
Min Deposit$100
Min Balance—
UpdatedApr 19, 2026
Details
Available for members under the age of 21; $100 - $2,000; 1 per member
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6310 Dixie Hwy, Bridgeport, MI 48722
6 Month Youth CD
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Jefferson Financial Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.76%
7701 Airline Dr, Metairie, LA 70003 6228
6 Month Share & IRA Certificate
$0
5.00%
▼
Rate4.94%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Promotional rate. Subject to change. Max $50,000 per certificate.
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI 49548 2306
6 month CD - 90th Anniversary Special
$0
4.90%
▼
Rate4.81%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI 49548 2306
6-mo. CD Special 90th anniversary offer
$500
4.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
$500 min. - $9,000 max.; Limit one per primary SSN
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI 49548 2306
6-month CD
$0
4.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI 49548 2306
6-Month CD Special
$0
4.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
90th anniversary offer!
Astera Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
111 S Waverly Rd, Lansing, MI 48917
6-mo. CD Special
$0
4.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
90th anniversary offer!
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
6 months Share Certificates - 1
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
Share Certificates - 1 6 months
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
Youth Certificates 1 6 months
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
Youth Certificates 1 6 months - FEATURED RATE
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
6 Mo. Share Certificate
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
6 Months Share Certificates
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
6 Month Share Certificates
$1,000
4.50%
▼
Rate4.43%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 6 Months Jumbo IRA
$0
4.33%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
6 Months Jumbo+ Certificates (CDs)
$100,000
4.32%
▼
Rate4.25%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Northridge Community Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.98%
283 Kennedy Memorial Dr, Hoyt Lakes, MN 55750
6 Months Certificate of Deposit
$0
4.31%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
6 Months Jumbo Certificates (CDs)
$10,000
4.27%
▼
Rate4.20%
Min Deposit$10,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
U S #1364 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
8400 BROADWAY, MERRILLVILLE, IN 46410
6 Month Share Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
126 N Grand Ave, Cowden, IL 62422
6-Month CD Term
$1,000
4.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL 36609 1530
6-Month Certificate
$500
4.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 6-Month (Tier 3)
$0
4.20%
▼
Rate4.11%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 6 Months
$0
4.18%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1541 Custer Ave, Billings, MT 59102
12 Month Youth Certificate
$0
6.17%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306
Relationship Certificate(12 months)
$500
5.90%
▼
Rate5.75%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Terms Apply
Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
2454 Vista Way, Oceanside, CA 92054
12-Month Savers Certificate
$0
5.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Dairyland Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3200 East Ave S, La Crosse, WI 54601 7227
Teenager (Age 13-17) - 12 Month Term Certificates
$0
5.50%
▼
Rate5.39%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
1480 E Jefferson Ave, Detroit, MI 48207
12 Months Legacy CD
$5,000
5.15%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
Grow with Me 12-Month Certificate
$0
5.05%
▼
Rate4.94%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
This account is available only for members under 18 years of age. Accounts may be opened between October 1 and October 31 each year.
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
1340 Arrowhead Dr, Maumee, OH 43537
12 Month Youth CD
$100
5.00%
▼
Rate4.91%
Min Deposit$100
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
12 Month Super Kids Certificates of Deposit (CDs)
$100
5.00%
▼
Rate4.91%
Min Deposit$100
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX 78745 2948
StartUP Share Certificate 12 Months
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM 87544
Youth Share Certificate (IRA Certificates) 12 Months
$0
5.00%
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3141 Capital Ave SW, Battle Creek, MI 49015
12 Month Youth Special Certificate
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2821 Hewitt Ave, Everett, WA 98201
12 Month Certificate of Deposit
$500
4.83%
▼
Rate4.75%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
PSB of Plainview
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
100 4th Ave Se, Plainview, MN 55964
12 Months CD
$35,000
4.63%
▼
Rate4.55%
Min Deposit$35,000
Min Balance—
UpdatedApr 16, 2026
Details
No additional details available.
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
908 Woodland St, Nashville, TN 37206
IRA Term Account 12 Months
$0
4.52%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates 17 Month Special (rollover for 12 months at maturity)
$500
4.50%
▼
Rate4.43%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Materion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
14710 W Portage River South Rd, Elmore, OH 43416
12 Month Certificate
$500
4.50%
▼
Rate4.43%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
12-Month IRA/ESA Certificate Premier Member
$500
4.50%
▼
Rate4.41%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
Share Certificates - 1 12 months
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
12 months Share Certificates - 1
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT 84116
Certificate of Deposits 12-Month
$500
4.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates 11 Month Special (rollover for 12 months at maturity)
$500
4.50%
▼
Rate4.43%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA 20121
12-Month Starter Certificate
$50
4.50%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedApr 22, 2026
Details
Add additional funds at any time up to $5,000 maximum.
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA 1 year
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT 84116
Certificate of Deposits Savers 12-Month
$9
4.50%
▼
Rate—
Min Deposit$9
Min Balance—
UpdatedApr 19, 2026
Details
Minimum deposit of $9 per month, up to $10,000.00.
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
Youth Certificates 1 12 months
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
1300 Baker Ave, Whitefish, MT 59937 2988
1-Year Youth Certificate
$0
4.40%
▼
Rate4.31%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 12 Months Jumbo IRA
$0
4.39%
▼
Rate4.30%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
12 Months Jumbo+ Certificates (CDs)
$100,000
4.37%
▼
Rate4.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3601 4th Ave S, Birmingham, AL 35222
1 year Share Certificates
$0
4.35%
▼
Rate4.27%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX 77627 8303
IRA Share Certificates and Share Certificates 12-Month (Tier 3)
$0
4.34%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
2725 35th Ave N, Birmingham, AL 35207 2839
18 months Share Certificates
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
300 Congress Dr Hwy 33, Newburg, WI 53060
18 mo Variable Rate IRA 18 mo Certificate of Deposit
$500
4.73%
▼
Rate4.65%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3333 Burnet Ave, Cincinnati, OH 45229 3026
Certificates of Deposit 18 months
$0
4.31%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
212 5th Ave, Edgeley, ND 58433
Certificates of Deposit (CDs) 18 Month IRA CD
$500
4.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
212 5th Ave, Edgeley, ND 58433
18 Month IRA CD Certificates of Deposit (CDs)
$500
4.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
CFCU Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1030 Craft Rd, Ithaca, NY 14850
18-month IRA Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Now through April 15, earn up to 4.25% APY with our 18-month IRA Certificate.
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
908 Woodland St, Nashville, TN 37206
IRA Term Account 18 Months
$0
4.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 18 Months Jumbo IRA
$0
4.23%
▼
Rate4.15%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
18 Months Jumbo+ Certificates (CDs)
$100,000
4.22%
▼
Rate4.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
MAC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
3700 Santiago St, Fort Wainwright, AK 99703
18 Months Share Certificates
$500
4.19%
▼
Rate4.23%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
18 Months Jumbo Certificates (CDs)
$10,000
4.16%
▼
Rate4.10%
Min Deposit$10,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC 27278
IRA Share Certificate (18 Month)
$500
4.15%
▼
Rate4.07%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
18 Months Share Certificates
$1,000
4.15%
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
18 Month Share Certificate Rate
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
18 Month IRA Share Certificate
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
3815 N Nebraska Ave, Tampa, FL 33603
Share Certificate 18 Month Market Watch
$500
4.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
18-month IRA Traditional & Roth Share Certificates
$1,000
4.15%
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC 27278
Share Certificate (18 Month)
$500
4.15%
▼
Rate4.07%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
NORTHERN SKIES
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1001 E Benson Blvd, Anchorage, AK 99508
18-Month Share Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
$100,000 and over
Evansville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
312 N 4TH AVE, EVANSVILLE, IN 47710
18 Mo CD Jumbo
$100,000
4.10%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Minimum $100,000 Deposit to start
CLEVELAND SELFRELIANCE
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
6108 State Rd, Parma, OH 44134 3702
18 Months Certificates
$500
4.08%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX 77032
Certificate of Deposit Jumbo 18 Months
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 18 Months
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
626 Jacksonville Rd, Warminster, PA 18974 4862
18 mos. CDs & IRA Rate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
300 Congress Dr Hwy 33, Newburg, WI 53060
Classic IRA 18 mo Certificate of Deposit
$500
4.06%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
(No longer available for new accounts)
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
18 Months Certificates (CDs)
$500
4.06%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ 85282
IRA Certificate 18 Month
$2,000
4.05%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA 50613 2831
JUMBO Certificates 18 months
$100,000
4.05%
▼
Rate3.99%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details
Limited Time Special
First Missouri Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
1690 Lemay Ferry Rd, Saint Louis, MO 63125
18 month CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
Wealth Development Certificate 24 months
$5
5.00%
▼
Rate—
Min Deposit$5
Min Balance—
UpdatedApr 18, 2026
Details
Monthly Min/Max: $20/$400, paid annually
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA 2 year
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
210 N 5th St, Artesia, NM 88210 2000
IRA Certificates 24 Month
$0
4.58%
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
24-month IRA Traditional & Roth Share Certificates
$1,000
4.50%
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates 25 Month Special (rollover for 24 months at maturity)
$500
4.50%
▼
Rate4.43%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
212 5th Ave, Edgeley, ND 58433
Certificates of Deposit (CDs) 24 Month IRA CD
$500
4.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Dakota Plains Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
212 5th Ave, Edgeley, ND 58433
24 Month IRA CD Certificates of Deposit (CDs)
$500
4.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3333 Burnet Ave, Cincinnati, OH 45229 3026
Certificates of Deposit 2 year
$0
4.36%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
CLEVELAND SELFRELIANCE
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
6108 State Rd, Parma, OH 44134 3702
24 Months Certificates
$500
4.31%
▼
Rate4.25%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
MAC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
3700 Santiago St, Fort Wainwright, AK 99703
IRA / ROTH IRA Share Certificates 24 Months
$0
4.29%
▼
Rate4.29%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT 84116
Certificate of Deposits 24-Month
$500
4.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
24 Month Certificate
$0
4.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
Savings Certificates (Standard) 24 Months
$0
4.20%
▼
Rate4.12%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
Business Savings Certificate (Standard) 24 Months
$0
4.20%
▼
Rate4.12%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
24 Months Savings Certificates (Standard)
$0
4.20%
▼
Rate4.12%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
726 Massachusetts Ave, Indianapolis, IN 46204
24 months Certificates / IRA Certificates / Roth IRA Certificates
$0
4.20%
▼
Rate4.12%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
2 year Regular and Special Share Certificates
$500
4.20%
▼
Rate4.11%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular IRA Share Certificates 2 year
$500
4.20%
▼
Rate4.11%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Catholic Vantage Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
36111 5 MILE RD, LIVONIA, MI 48154 1963
24 Month Certificate
$0
4.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
Youth Savings Certificates (Standard) 24 Months
$0
4.20%
▼
Rate4.12%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
310 Caldwell St, Chillicothe, OH 45601
24 Mo. Share and IRA Certificates
$0
4.18%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
310 Caldwell St, Chillicothe, OH 45601
Share and IRA Certificates 24 Mo.
$0
4.18%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
310 Caldwell St, Chillicothe, OH 45601
Share and IRA Jumbo Certificates 24 Mo.
$0
4.18%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH IRA CERT
$0
4.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
501 Main St, Milligan, NE 68406
24 Month CD
$500
4.16%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 16, 2026
Details
Penalty for early withdrawal
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH CERTIFICATE
$0
4.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 24 Months Jumbo IRA
$0
4.13%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH CERTIFICATE
$0
4.11%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH IRA CERT
$0
4.11%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
24 Months Jumbo+ Certificates (CDs)
$100,000
4.11%
▼
Rate4.05%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PAHO WHO
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
2112 F St NW, Washington, DC 20037
36 Month IRA Certificate
$0
4.59%
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
PAHO WHO
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
2112 F St NW, Washington, DC 20037
36 months Share Certificate
$1,000,000
4.59%
▼
Rate4.50%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 19, 2026
Details
$1M+
PAHO WHO
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
2112 F St NW, Washington, DC 20037
36 months Share Certificate
$250,000
4.33%
▼
Rate4.25%
Min Deposit$250,000
Min Balance—
UpdatedApr 19, 2026
Details
$250,000-$999,999
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
Adjustable 36 Month Term Super Jumbo Max
$1,000,000
4.18%
▼
Rate4.10%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
3 Years Add-On Certificate
$0
4.15%
▼
Rate4.09%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3333 Burnet Ave, Cincinnati, OH 45229 3026
Certificates of Deposit 3 year
$0
4.11%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2625 CORPORATE Pl, MONTEREY PARK, CA 91754
3 years Certificate
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
36-Month Certificates of Deposit (CDs)
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
Harris Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
315 W 12th Ave, Cordele, GA 31015 2333
IRA 36 MONTHS
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
No additional details available.
Harris County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1400 Franklin St, Houston, TX 77002 2147
IRA 36 MONTHS
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
12511 Winchester Rd SW, LaVale, MD 21502
36 Months Share Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
36 Months Savings Certificates (Standard)
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
Business Savings Certificate (Standard) 36 Months
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
Savings Certificates (Standard) 36 Months
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
726 Massachusetts Ave, Indianapolis, IN 46204
36 months Certificates / IRA Certificates / Roth IRA Certificates
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA 3 and 4 year
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
417 High St, Frankfort, KY 40601
Wealth Development Certificate 48 months
$5
5.00%
▼
Rate—
Min Deposit$5
Min Balance—
UpdatedApr 18, 2026
Details
Monthly Min/Max: $20/$200, paid annually
Cornerstone State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
500 Main St, Madison Lake, MN 56063
IRA 36-48 month C.D.
$500
4.55%
▼
Rate4.50%
Min Deposit$500
Min Balance—
UpdatedApr 16, 2026
Details
$75,000 to $199,999.99
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 48 Months Jumbo IRA
$0
4.49%
▼
Rate4.40%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
48 Months Jumbo+ Certificates (CDs)
$100,000
4.47%
▼
Rate4.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
48 Months Jumbo Certificates (CDs)
$10,000
4.42%
▼
Rate4.35%
Min Deposit$10,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 48 Months
$0
4.33%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
48 Months Certificates (CDs)
$500
4.32%
▼
Rate4.25%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
6 LYNAM ST, WILMINGTON, DE 19804
48 mo Certificate
$1,000
4.32%
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2 The Credit Union Way, Fairmont, WV 26554 1567
Jumbo Certificates 48 month
$0
4.20%
▼
Rate4.12%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
48 Month Fixed Rate IRA Certificates
$500
4.11%
▼
Rate4.05%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
4-year FDIC-Insured Certificates of Deposit
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2 The Credit Union Way, Fairmont, WV 26554 1567
Jumbo Certificates 48 month
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
PAHO WHO
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
2112 F St NW, Washington, DC 20037
48 months Share Certificate
$1,000,000
4.07%
▼
Rate4.00%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 19, 2026
Details
$1M+
PAHO WHO
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
2112 F St NW, Washington, DC 20037
48 Month IRA Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.03%
73 Main St, Dexter, ME 04930
IRA Certificates 48 Months
$500
4.07%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
12511 Winchester Rd SW, LaVale, MD 21502
48 Months Share Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
726 Massachusetts Ave, Indianapolis, IN 46204
48 months Certificates / IRA Certificates / Roth IRA Certificates
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT 84604 3315
48 month Term Share Certificates
$1,000
4.05%
▼
Rate3.99%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
4 year Mini-Jumbo IRA Share Certificates
$20,000
4.05%
▼
Rate3.97%
Min Deposit$20,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
4 year Mini-Jumbo Share Certificates
$20,000
4.05%
▼
Rate3.97%
Min Deposit$20,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA 5 years
$0
5.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Materion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
14710 W Portage River South Rd, Elmore, OH 43416
60 Month Certificate
$500
4.25%
▼
Rate4.18%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
60-month IRA Traditional & Roth Share Certificates
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
60 Month Fixed Rate IRA Certificates
$500
4.22%
▼
Rate4.15%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
Super Jumbo Max 60 Month Term
$1,000,000
4.18%
▼
Rate4.10%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2625 CORPORATE Pl, MONTEREY PARK, CA 91754
5 years Certificate
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
First National B&T Co. of Bottineau
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
424 Main St, Bottineau, ND 58318
60 Month CD
$0
4.14%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details
No additional details available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
$100,000 and over
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
5-year FDIC-Insured Certificates of Deposit
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
5 year Mini-Jumbo Share Certificates
$20,000
4.10%
▼
Rate4.02%
Min Deposit$20,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
5 year Mini-Jumbo IRA Share Certificates
$20,000
4.10%
▼
Rate4.02%
Min Deposit$20,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
JUMBO certificates 60 Months
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT 84604 3315
60 month Term Share Certificates
$1,000
4.10%
▼
Rate4.04%
Min Deposit$1,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
726 Massachusetts Ave, Indianapolis, IN 46204
60 months Certificates / IRA Certificates / Roth IRA Certificates
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
Adjustable 60 Month Term Super Jumbo Max
$1,000,000
4.08%
▼
Rate4.00%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
1129 State St, Erie, PA 16501 1911
60 month Certificate
$0
4.07%
▼
Rate4.01%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.03%
73 Main St, Dexter, ME 04930
IRA Certificates 60 Months
$500
4.07%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30 7th St E Ste 265, Saint Paul, MN 55101 4958
60 month Share Certificate
$1,000
4.07%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30 7th St E Ste 265, Saint Paul, MN 55101 4958
60 month Share Certificates
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 60 Months Jumbo IRA
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.03%
73 Main St, Dexter, ME 04930
Share Certificates 60 Months
$500
4.07%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
PAHO WHO
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
2112 F St NW, Washington, DC 20037
60 Month IRA Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
PAHO WHO
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
2112 F St NW, Washington, DC 20037
60 months Share Certificate
$1,000,000
4.07%
▼
Rate4.00%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 19, 2026
Details
$1M+
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
11563 Foothill Blvd Ste 101, Rancho Cucamonga, CA 91730 3969
IRA Share Certificates1 60 Months Platinum
$0
4.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
1677 S Webster Ave, Green Bay, WI 54301
Share/IRA Certificates 60 Months
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
409 Riverwind Dr, Pearl, MS 39208 5917
60 Month Certificate
$1,000
4.06%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
409 Riverwind Dr, Pearl, MS 39208 5917
60 Month IRA Certificate
$1,000
4.06%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
No additional details available.
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
12511 Winchester Rd SW, LaVale, MD 21502
60 Months Share Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No additional details available.
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
6611 Chicago Rd, Warren, MI 48092 1685
60 Months Fixed-Rate Certificates
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. Contact your personal attorney or tax advisor for advice on your personal situation. For accounts that automatically renew for another term, you have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
60 Months Jumbo+ Certificates (CDs)
$100,000
4.06%
▼
Rate4.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details
No additional details available.
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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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
2.817%
▲ 0.023 from last week
National 12-month CD rates rose 0.023 points this week to 2.817%, up from 2.795% last week.
6-Month CD — National Avg
2.681%
▲ 0.015 from last week
National 6-month CD rates rose 0.015 points this week to 2.681%, up from 2.666% last week.
CD Rate Trends
Weekly average APYs across all CD terms. Hover over the chart to see exact rates for each week.
As of Apr 21, 2026 • Source: MonitorBankRates • 8,500+ U.S. banks & credit unions
View Full CD Trends
Frequently Asked Questions about CD Rates
What is a Certificate of Deposit (CD)?
A Certificate of Deposit (CD) is a savings account that holds a fixed amount of money for a fixed period of time, such as six months, one year, or five years, in exchange for a higher interest rate.
Are CD rates higher than regular savings accounts?
Generally, yes. Because you agree to leave your money in the bank for a set period, banks and credit unions typically offer higher interest rates on CDs compared to standard savings accounts.
Is my money safe in a CD?
Yes. CDs purchased from FDIC-insured banks are insured up to $250,000 per depositor, per institution. CDs at NCUA-insured credit unions carry equivalent protection.
What happens if I withdraw money from a CD early?
If you withdraw funds before the CD's maturity date, you will typically face an early withdrawal penalty, which is often several months of interest depending on the term.
What is APY and how does it differ from the interest rate?
APY (Annual Percentage Yield) reflects the total amount of interest earned in a year, taking compounding into account. The interest rate is the base rate before compounding. APY is always the best number to compare across institutions.
What CD term should I choose?
The right term depends on when you need the money. Short-term CDs (3–6 months) offer flexibility; long-term CDs (3–5 years) often offer higher yields but lock up your funds longer. CD laddering — spreading deposits across multiple terms — is a popular strategy.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates (e.g., 6-month, 1-year, 2-year). As each CD matures, you renew it at the longest term, giving you regular access to a portion of your funds while maximizing yields.
Can I add money to a CD after opening it?
Traditional CDs do not allow additional deposits after the initial opening. However, some institutions offer 'add-on CDs' that permit additional contributions during the term.
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields across the country. We feature a comprehensive mix of financial institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly based on Federal Reserve policy and market conditions, every CD product listed features its own specific “last updated” date for full transparency.
Proprietary Institution Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you deposit with secure, reliable institutions.
Disclaimer: Interest rates are variable and subject to change without notice. It is always advisable to verify current offers directly with the institution’s official website. Last Updated and Verified: April 22, 2026
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