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iAdvertiser Disclosure National CD Rate Trends

Best Certificate of Deposit Rates October 2026 Up to 6.14%

Q: What are CD rates today?

CD rates range from 4.20% to 10.00% APY as of October 26, 2026, verified by MonitorBankRates. Top rates include 6.14% APY at Southeast Missouri Community Credit Union (Certificate of Deposit - 12 Month Youth), 6.03% at Vacationland Federal Credit Union (Youth Certificates - 12 Months) and 6.00% at Congressional Federal Credit Union (Share Certificate - Flexible Saver - 1 Year Certificate), compared with the MonitorBankRates national 12 month average of 3.00% APY.

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | CD Rates Last Updated and Verified: October 26, 2026

CD rates range from 4.20% to 10.00% APY, verified by MonitorBankRates as of October 26, 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 October 26, 2026 according to verified data from MonitorBankRates.

Finding the best CD rate is one of the safest ways to grow your savings. Unlike variable accounts, a CD lets you lock in a high APY for a specific term, protecting your return from market fluctuations. We empower savers with transparent financial health metrics, including A-F Safety Grades, verified Star Ratings, and Texas Ratios, so you can choose a stable, highly-rated institution with confidence.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution’s discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 26, 2026

Compare the Best CD Rates Nationwide

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

3 Month CD Rates

MonitorBankRates National Average · 3 Month CD2.13% APY▲ 0.01% from last week

View 3-month CD rate trend

The national average 3-month CD rate is 2.13% APY as of October 27, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Austin Capital Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.96%

3305 Steck Ave Ste 275, Austin, TX 78757

3 Month Certificate of Deposit

4.58% ▲ 2.45% above avg

View

▼

Rate4.50%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 21, 2026

MBR National Avg2.13%▲ 2.45% above avg

Details

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

Rate History

1 change since Sep 27, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%

Oct 3, 20264.58%▲ from 4.32%
Sep 27, 20264.32%first recorded

Auburn University Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.49%

1290 S Donahue Dr, Auburn, AL 36832 6330

Jumbo Rate Share Certificate - 90 Days

4.51% ▲ 2.38% above avg

View

▼

Rate4.51%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.13%▲ 2.38% above avg

Details

$100,000+; Compound Period: Maturity; Jumbo Rate - $100,000+ Deposit

Rate History

No change since Oct 19, 2026 · 4.51% APY · checked 2 times

SECNY Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.03%

4727 W Seneca Tpke, Syracuse, NY 13215 2119

3 Month Certificate

$2,500

4.50% ▲ 2.37% above avg

View

▼

Rate4.41%

Min Deposit$2,500

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.13%▲ 2.37% above avg

Details

Account code 35; Interest compounded monthly (Int. Monthly); Certificate Rates

Rate History

1 change since Oct 13, 2026 · 2.35% → 4.50% ▲ 2.15 pts · high 4.50% / low 2.35%

Oct 23, 20264.50%▲ from 2.35%
Oct 13, 20262.35%first recorded

River Works Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.44%

159 Frontage Rd, Manchester, NH 03103 6013

3 Month Certificate of Deposit

4.50% ▲ 2.37% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.13%▲ 2.37% above avg

Details

Rates accurate as of August 14, 2024

Rate History

1 change since Sep 18, 2026 · 3.90% → 4.50% ▲ 0.60 pts · high 4.50% / low 3.90%

Oct 26, 20264.50%▲ from 3.90%
Sep 18, 20263.90%first recorded

Gulf Capital Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.09%

1 Riverway, Houston, TX 77056

Jumbo Certificates of Deposit - 90 Days

$250,000

4.44% ▲ 2.31% above avg

View

▼

Rate4.35%

Min Deposit$250,000

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.13%▲ 2.31% above avg

Details

Balance: over $250,000.00; Interest compounded and credited monthly

Rate History

1 change since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%

Oct 8, 20264.44%▲ from 4.18%
Sep 14, 20264.18%first recorded

DOW

Institution Rating:

A+5.0 ★Texas Ratio: 1.26%

600 E Lyon Rd, Midland, MI 48640 5396

Simple CD - 3 Months

$500

4.35% ▲ 2.22% above avg

View

▼

Rate4.27%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.13%▲ 2.22% above avg

Details

Starting minimum deposit of $500; not eligible for Member Saver Reward

Rate History

No change since Oct 14, 2026 · 4.35% APY · checked 3 times

Public Service Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.17%

7665 Merriman Rd, Romulus, MI 48174 1920

IRA Jumbo CD 3 Months

$3,000,000

4.32% ▲ 2.19% above avg

View

▼

Rate4.25%

Min Deposit$3,000,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.13%▲ 2.19% above avg

Details

Dividends: Quarterly; Max: $6,000,000

Rate History

No change since Oct 19, 2026 · 4.32% APY · checked 2 times

Atlantic Community Bankers Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.05%

225 Grandview Avenue Suite 401, Camp Hill, PA 17011

Certificate of Deposit - 3 Month

4.31% ▲ 2.18% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.13%▲ 2.18% above avg

Details

Rates subject to change based on market conditions and availability; minimum balance of $100,000 required for ACBB CDs

Rate History

1 change since Oct 22, 2026 · 4.32% → 4.31% ▼ 0.01 pts · high 4.32% / low 4.31%

Oct 26, 20264.31%▼ from 4.32%
Oct 22, 20264.32%first recorded

Bank5 Connect

Institution Rating:

A5.0 ★Texas Ratio: 7.62%

160 County St, New Bedford, MA 02740

3 Month CD

$500

4.30% ▲ 2.17% above avg

View

▼

Rate4.23%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.13%▲ 2.17% above avg

Details

No additional details available.

Rate History

1 change since Sep 18, 2026 · 3.20% → 4.30% ▲ 1.10 pts · high 4.30% / low 3.20%

Oct 26, 20264.30%▲ from 3.20%
Sep 18, 20263.20%first recorded

Popular Direct

Institution Rating:

A+5.0 ★Texas Ratio: 2.12%

1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179

Certificate of Deposit - 3 Months

4.30% ▲ 2.17% above avg

View

▼

Rate4.21%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.13%▲ 2.17% above avg

Details

No additional details available.

Rate History

No change since Oct 26, 2026 · 4.30% APY

First Community Credit Union Houston, TX

Institution Rating:

A+5.0 ★Texas Ratio: 3.58%

3200 S Dairy Ashford Rd, Houston, TX 77082 2319

3 Month Business CD

$5,000

4.30% ▲ 2.17% above avg

View

▼

Rate—

Min Deposit$5,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.13%▲ 2.17% above avg

Details

Balance: $1,000,000.00 and over

Rate History

No change since Oct 13, 2026 · 4.30% APY · checked 3 times

Morgan Stanley

Institution Rating:

A+5.0 ★Texas Ratio: 2.86%

201 S Main St Fl 5, Salt Lake City, UT 84111

3 Month Preferred Certificate of Deposit (CD)

$1,000

4.27% ▲ 2.14% above avg

View

▼

Rate4.20%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.13%▲ 2.14% above avg

Details

Available through Morgan Stanley Private Banking Group; deposits in increments of $1,000; maximum $50,000,000

Rate History

No change since Oct 14, 2026 · 4.27% APY · checked 3 times

Climate First Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.15%

182 37th Ave N, Saint Petersburg, FL 33704

3-Month Penalty-Free CD

$500

4.26% ▲ 2.13% above avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.13%▲ 2.13% above avg

Details

Special Promotion; Personal: $500 minimum opening deposit; Business: $1000 minimum opening deposit; Short-term savings with penalty-free access; No penalty for early withdrawals

Rate History

No change since Oct 21, 2026 · 4.26% APY · checked 2 times

Ivy Bank

Institution Rating:

A5.0 ★Texas Ratio: 9.52%

1374 Massachusetts Ave, Cambridge, MA 02138

3 Month High-Yield Certificates of Deposit

$1,000

4.25% ▲ 2.12% above avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.13%▲ 2.12% above avg

Details

Market-Leading Rates; Rates effective as of 9/22/26

Rate History

No change since Sep 27, 2026 · 4.25% APY · checked 6 times

Poppy Bank

Institution Rating:

B+4.8 ★Texas Ratio: 16.92%

111 Santa Rosa Avenue, Santa Rosa, CA 95404

Personal Certificate of Deposit - 3-Month CD

4.25% ▲ 2.12% above avg

View

▼

Rate4.16%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.13%▲ 2.12% above avg

Details

Automatically renews at maturity; Free online/mobile banking access; Quarterly statements; Early withdrawal penalty applies

Rate History

No change since Oct 14, 2026 · 4.25% APY · checked 3 times

Oceanair Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.19%

300 Arneill Rd, Camarillo, CA 93010

3 Month Term Share Certificate

$500

4.25% ▲ 2.12% above avg

View

▼

Rate4.17%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.13%▲ 2.12% above avg

Details

Term: 3 Months with Epic Premium Checking; Minimum deposit $500 (Min. Certs.); Requires Epic Premium Checking (**)

Rate History

1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%

Oct 4, 20264.25%▲ from 4.00%
Sep 25, 20264.00%first recorded

Energy One Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.11%

220 W 7th St, Tulsa, OK 74119

3 Month Share Certificate

4.25% ▲ 2.12% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.13%▲ 2.12% above avg

Details

APY $500 balance tier; Dividends compound quarterly; Federally insured up to $250,000 by NCUA; Effective September 14, 2026

Rate History

1 change since Sep 25, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%

Oct 23, 20264.25%▲ from 3.50%
Sep 25, 20263.50%first recorded

Guaranty Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.97%

312 W Central Ave, Carthage, MO 64836

3 Month CD

$500

4.24% ▲ 2.11% above avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.13%▲ 2.11% above avg

Details

Balance: $0.01 and over; APY CD rates are effective as of October 9, 2026, and are subject to change.

Rate History

No change since Oct 22, 2026 · 4.24% APY · checked 2 times

Synergy Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.39%

1 Valero Way, San Antonio, TX 78249 1616

IRA Certificates - 3 Months

$250,001

4.23% ▲ 2.10% above avg

View

▼

Rate4.15%

Min Deposit$250,001

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.13%▲ 2.10% above avg

Details

Minimum Deposit: $250,001

Rate History

No change since Oct 13, 2026 · 4.23% APY · checked 2 times

Crouse Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

730 S Crouse Ave, SYRACUSE, NY 13210 1754

Certificate - 3 Months

4.23% ▲ 2.10% above avg

View

▼

Rate4.15%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.13%▲ 2.10% above avg

Details

No additional details available.

Rate History

2 changes since Sep 14, 2026 · 3.92% → 4.23% ▲ 0.31 pts · high 4.23% / low 3.92%

Oct 23, 20264.23%▲ from 4.02%
Oct 15, 20264.02%▲ from 3.92%
Sep 14, 20263.92%first recorded

6 Month CD Rates

MonitorBankRates National Average · 6 Month CD2.79% APYUnchanged from last week

View 6-month CD rate trend

The national average 6-month CD rate is 2.79% APY as of October 27, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Century Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.27%

1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405

6 Month Teen CD

$100

10.00% ▲ 7.21% above avg

View

▼

Rate9.65%

Min Deposit$100

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 7.21% above avg

Details

$1,000 max; Interest paid quarterly; Without a Century checking account, subtract .10%

Rate History

No change since Sep 14, 2026 · 10.00% APY · checked 10 times

Metropolitan Services Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

475 Etna St Ste 10, Saint Paul, MN 55106 5845

6 Month NEW Youth CD

$500

8.00% ▲ 5.21% above avg

View

▼

Rate8.00%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 5.21% above avg

Details

$500-$1000; Limit of one CD per member; Open a Youth CD

Rate History

No change since Sep 18, 2026 · 8.00% APY · checked 6 times

Cornerstone Community Federal Credit Union

Institution Rating:

B+4.8 ★Texas Ratio: 17.18%

55 Stevens St, Lockport, NY 14094 4229

6 Month Youth Share Certificate

6.00% ▲ 3.21% above avg

View

▼

Rate5.83%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.79%▲ 3.21% above avg

Details

Balance: $50 - $5,000; Effective as of June 15, 2026

Rate History

No change since Oct 5, 2026 · 6.00% APY · checked 5 times

Northwoods Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

1224 4th Ave S, Park Falls, WI 54552 1923

Youth Share Certificate - 6 Month

$100

5.06% ▲ 2.27% above avg

View

▼

Rate5.00%

Min Deposit$100

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 2.27% above avg

Details

Accounts: Teen Cents Club, Junior Savers, Kangaroo Kids Club; Maximum $5,000.00 (Aggregate); Dividends compounded semi-annually; Subject to penalty for early withdrawal

Rate History

No change since Sep 14, 2026 · 5.06% APY · checked 3 times

United Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.54%

6310 Dixie Hwy, Bridgeport, MI 48722

6 month - 4H or FFA CD

5.05% ▲ 2.26% above avg

View

▼

Rate4.93%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 2.26% above avg

Details

Amount of 4H or FFA - Youth Fair Participation Check; Max $5,000

Rate History

No change since Sep 14, 2026 · 5.05% APY · checked 10 times

Syracuse Fire Department Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.25%

211 Wilkinson St, Syracuse, NY 13204

6-month TSC

$1,000

5.00% ▲ 2.21% above avg

View

▼

Rate4.89%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.79%▲ 2.21% above avg

Details

Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal

Rate History

1 change since Sep 12, 2026 · 4.00% → 5.00% ▲ 1.00 pts · high 5.00% / low 4.00%

Oct 12, 20265.00%▲ from 4.00%
Sep 12, 20264.00%first recorded

Empower Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.78%

15 E Genesee St, Baldwinsville, NY 13027 2534

Share Certificate - 6 Months

5.00% ▲ 2.21% above avg

View

▼

Rate4.88%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 2.21% above avg

Details

Tier 1; Balance: $500-$2,499.99; Effective Date: October 01, 2026

Rate History

No change since Oct 22, 2026 · 5.00% APY · checked 2 times

NATIONAL INSTITUTES OF HEALTH

Institution Rating:

A+5.0 ★Texas Ratio: 4.98%

111 Rockville Pike Ste 500, Rockville, MD 20850

6 Month Youth Saver

$500

5.00% ▲ 2.21% above avg

View

▼

Rate4.88%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 2.21% above avg

Details

No additional details available.

Rate History

No change since Sep 14, 2026 · 5.00% APY · checked 8 times

Topeka Police Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

320 S Kansas Ave Ste 100, Topeka, KS 66603 3644

Kid's Certificates - 6 Month

$100

5.00% ▲ 2.21% above avg

View

▼

Rate4.91%

Min Deposit$100

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 2.21% above avg

Details

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

Rate History

No change since Sep 22, 2026 · 5.00% APY · checked 7 times

Gulf Coast Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.35%

12364 Highway 49, Gulfport, MS 39503

6 Month Youth Share Certificates

5.00% ▲ 2.21% above avg

View

▼

Rate4.89%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.79%▲ 2.21% above avg

Details

Balance: $500-$15,000

Rate History

No change since Sep 25, 2026 · 5.00% APY · checked 4 times

Central Vermont Medical Centerinc CU

Institution Rating:

A+5.0 ★Texas Ratio: 5.27%

130 Fisher Rd, Berlin, VT 05602

New 6 month CD Special

5.00% ▲ 2.21% above avg

View

▼

Rate5.00%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 2.21% above avg

Details

Must be funded by new money not currently on deposit; $2,000 and above; Dividends paid: Monthly

Rate History

No change since Sep 14, 2026 · 5.00% APY · checked 5 times

FreeStar Financial Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.11%

37570 S Gratiot Ave, Clinton Township, MI 48036

6 Month Six Month CD - Military

5.00% ▲ 2.21% above avg

View

▼

Rate4.89%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 2.21% above avg

Details

Military rate: 1% rate increase for Qualified Military Members (Active Duty, Veterans, Retirees); requires full direct deposit of $2,000 or more into checking; military status verification required

Rate History

No change since Oct 26, 2026 · 5.00% APY

Crouse Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

730 S Crouse Ave, SYRACUSE, NY 13210 1754

Certificate - 6 Months

4.86% ▲ 2.07% above avg

View

▼

Rate4.75%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.79%▲ 2.07% above avg

Details

No additional details available.

Rate History

2 changes since Sep 14, 2026 · 3.85% → 4.86% ▲ 1.01 pts · high 4.86% / low 3.85%

Oct 15, 20264.86%▲ from 4.15%
Oct 5, 20264.15%▲ from 3.85%
Sep 14, 20263.85%first recorded

First National Bank of Michigan

Institution Rating:

A5.0 ★Texas Ratio: 7.32%

348 W Michigan Ave, Kalamazoo, MI 49007

Rising Rate Certificate of Deposit - Third 6-month Term

$10,000

4.75% ▲ 1.96% above avg

View

▼

Rate4.65%

Min Deposit$10,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.96% above avg

Details

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

Rate History

No change since Oct 7, 2026 · 4.75% APY · checked 7 times

Third Federal Savings and Loan

Institution Rating:

A+5.0 ★Texas Ratio: 2.32%

7007 Broadway Ave, Cleveland, OH 44105

6 Month Bonus CD

$500

4.75% ▲ 1.96% above avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.96% above avg

Details

Minimum to Obtain: $500

Rate History

No change since Oct 7, 2026 · 4.75% APY · checked 3 times

Service 1 Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.56%

1075 E Sherman Blvd, Norton Shores, MI 49444 1807

6 Month Share Certificates

4.75% ▲ 1.96% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.79%▲ 1.96% above avg

Details

FEATURED RATE

Rate History

1 change since Sep 30, 2026 · 3.75% → 4.75% ▲ 1.00 pts · high 4.75% / low 3.75%

Oct 23, 20264.75%▲ from 3.75%
Sep 30, 20263.75%first recorded

Y-12 Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.67%

450 N Charles G Seivers Blvd, Clinton, TN 37716 3730

6 Month Business Share Certificate PROMO

$50,000

4.75% ▲ 1.96% above avg

View

▼

Rate4.65%

Min Deposit$50,000

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.79%▲ 1.96% above avg

Details

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

Rate History

No change since Oct 15, 2026 · 4.75% APY · checked 2 times

Members 1st Credit Union Saint Louis, MO

Institution Rating:

A+5.0 ★Texas Ratio: 1.59%

4702 Mattis Rd, Saint Louis, MO 63128

75th Anniversary Certificates of Deposit 6 Month

$7,500

4.58% ▲ 1.79% above avg

View

▼

Rate—

Min Deposit$7,500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.79% above avg

Details

Effective date 10/1/26

Rate History

No change since Oct 19, 2026 · 4.58% APY · checked 2 times

Auburn University Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.49%

1290 S Donahue Dr, Auburn, AL 36832 6330

Jumbo Rate Share Certificate - 180 Days

4.56% ▲ 1.77% above avg

View

▼

Rate4.56%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.77% above avg

Details

$100,000+; Compound Period: Maturity; Jumbo Rate - $100,000+ Deposit

Rate History

No change since Oct 19, 2026 · 4.56% APY · checked 2 times

The Community State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.71%

405 Us Highway 271, Wister, OK 74966

6 Month CD

$1,000

4.55% ▲ 1.76% above avg

View

▼

Rate4.50%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.79%▲ 1.76% above avg

Details

Minimum of $1,000 to open; penalty may be imposed for early withdrawal; fees may reduce earnings

Rate History

1 change since Sep 14, 2026 · 4.30% → 4.55% ▲ 0.25 pts · high 4.55% / low 4.30%

Sep 24, 20264.55%▲ from 4.30%
Sep 14, 20264.30%first recorded

Gulf Capital Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.09%

1 Riverway, Houston, TX 77056

Jumbo Certificates of Deposit - 6 Months

$250,000

4.54% ▲ 1.75% above avg

View

▼

Rate4.45%

Min Deposit$250,000

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.79%▲ 1.75% above avg

Details

Balance: over $250,000.00; Interest compounded and credited monthly

Rate History

1 change since Sep 14, 2026 · 4.23% → 4.54% ▲ 0.31 pts · high 4.54% / low 4.23%

Oct 8, 20264.54%▲ from 4.23%
Sep 14, 20264.23%first recorded

SECNY Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.03%

4727 W Seneca Tpke, Syracuse, NY 13215 2119

6 Month Certificate

$1,000

4.50% ▲ 1.71% above avg

View

▼

Rate4.41%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.79%▲ 1.71% above avg

Details

Account code 34; Interest compounded monthly (Int. Monthly); Certificate Rates

Rate History

No change since Oct 13, 2026 · 4.50% APY · checked 3 times

Louisville Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.10%

1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900

Share Certificate - 6 Months

$1,000

4.50% ▲ 1.71% above avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.71% above avg

Details

Interest compounded & paid quarterly; Transfer any amount $1,000 or over from your Shares to a CD

Rate History

No change since Oct 13, 2026 · 4.50% APY · checked 2 times

5 Star Community Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.47%

100 S Cherry St, Mount Pleasant, IA 52641

6 Month Share Certificate

$500

4.50% ▲ 1.71% above avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.71% above avg

Details

Dividends compounded and credited at maturity; *Any rate above may change at any time.*

Rate History

No change since Sep 18, 2026 · 4.50% APY · checked 5 times

River Works Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.44%

159 Frontage Rd, Manchester, NH 03103 6013

6 Month Certificate of Deposit

4.50% ▲ 1.71% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.71% above avg

Details

Rates accurate as of August 14, 2024

Rate History

1 change since Sep 18, 2026 · 4.07% → 4.50% ▲ 0.43 pts · high 4.50% / low 4.07%

Oct 26, 20264.50%▲ from 4.07%
Sep 18, 20264.07%first recorded

Indiana University Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.12%

105 E Winslow Rd, Bloomington, IN 47401

6 Month Term Certificates

4.50% ▲ 1.71% above avg

View

▼

Rate4.40%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.71% above avg

Details

Dividends paid monthly

Rate History

No change since Oct 14, 2026 · 4.50% APY · checked 4 times

Heritage Hub Federal Credit Union

Institution Rating:

A+5.0 ★

2645 Winrock Blvd, Houston, TX 77057

6 Month Certificates of Deposit

4.50% ▲ 1.71% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.71% above avg

Details

Up to 4.50% APY; available terms: 6-month, 12-month, 18-month, 24-month, and Jumbo 24-month CDs; early withdrawal penalties apply; membership eligibility required

Rate History

No change since Oct 1, 2026 · 4.50% APY · checked 4 times

The Summit Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.28%

100 MARINA DR, ROCHESTER, NY 14626 5104

6 Month Jumbo Certificate

4.50% ▲ 1.71% above avg

View

▼

Rate4.40%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.79%▲ 1.71% above avg

Details

Effective October 22 through October 28, 2026

Rate History

1 change since Oct 4, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%

Oct 23, 20264.50%▲ from 4.25%
Oct 4, 20264.25%first recorded

TrustCo Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.14%

112 State St, Albany, NY 12207

6 Month CD

$500

4.45% ▲ 1.66% above avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.66% above avg

Details

Certificate of Deposit; A minimum deposit of $500.00 is required to open a Certificate of Deposit; Substantial penalty for early withdrawal

Rate History

1 change since Oct 20, 2026 · 4.40% → 4.45% ▲ 0.05 pts · high 4.45% / low 4.40%

Oct 26, 20264.45%▲ from 4.40%
Oct 20, 20264.40%first recorded

Bank of South Texas

Institution Rating:

A+5.0 ★Texas Ratio: 0.89%

300 E King Ave, Kingsville, TX 78363

6 Month CD Offer

$1,000

4.44% ▲ 1.65% above avg

View

▼

Rate4.35%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.65% above avg

Details

Featured offer; APY effective as of 09/24/2026; compounded and credited quarterly; early withdrawal penalty applies

Rate History

1 change since Sep 14, 2026 · 4.28% → 4.44% ▲ 0.16 pts · high 4.44% / low 4.28%

Oct 3, 20264.44%▲ from 4.28%
Sep 14, 20264.28%first recorded

Atlantic Community Bankers Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.05%

225 Grandview Avenue Suite 401, Camp Hill, PA 17011

Certificate of Deposit - 6 Month

4.44% ▲ 1.65% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.65% above avg

Details

Rates subject to change based on market conditions and availability; minimum balance of $100,000 required for ACBB CDs

Rate History

1 change since Oct 22, 2026 · 4.46% → 4.44% ▼ 0.02 pts · high 4.46% / low 4.44%

Oct 26, 20264.44%▼ from 4.46%
Oct 22, 20264.46%first recorded

Happen Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.06%

2701 N Thanksgiving Way, Lehi, UT 84043

6 Month Consumer Certificate of Deposit

$500

4.40% ▲ 1.61% above avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.79%▲ 1.61% above avg

Details

Minimum to open $500.00; maximum opening deposit $500,000.00; early withdrawal penalty may apply

Rate History

2 changes since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%

Oct 23, 20264.40%▲ from 4.30%
Oct 8, 20264.30%▲ from 4.20%
Sep 14, 20264.20%first recorded

Bank of Deerfield

Institution Rating:

A+5.0 ★Texas Ratio: 1.10%

15 S Main St, Deerfield, WI 53531

Certificate of Deposit 6 Month

$500

4.40% ▲ 1.61% above avg

View

▼

Rate4.35%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.61% above avg

Details

Substantial Penalty for Early Withdrawal

Rate History

No change since Oct 14, 2026 · 4.40% APY · checked 4 times

Fremont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.36%

315 Croghan St, Fremont, OH 43420 3013

Share Certificates - 6 Month

4.40% ▲ 1.61% above avg

View

▼

Rate4.31%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.79%▲ 1.61% above avg

Details

Type of Certificate: Regular/IRA; Dividends compound & paid: Daily

Rate History

1 change since Sep 14, 2026 · 3.96% → 4.40% ▲ 0.44 pts · high 4.40% / low 3.96%

Oct 12, 20264.40%▲ from 3.96%
Sep 14, 20263.96%first recorded

SJP Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.61%

341 Englewood Ave, Buffalo, NY 14223 2819

6 Month Certificate of Deposit

$1,000

4.40% ▲ 1.61% above avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.79%▲ 1.61% above avg

Details

Minimum opening deposit $1,000; dividends paid at maturity

Rate History

1 change since Sep 25, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15%

Oct 12, 20264.40%▲ from 4.15%
Sep 25, 20264.15%first recorded

Quorum Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.76%

2500 Westchester Ave, Purchase, NY 10577 2587

6-Month Certificate

$100

4.40% ▲ 1.61% above avg

View

▼

Rate4.31%

Min Deposit$100

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.79%▲ 1.61% above avg

Details

Dividend rate 4.31%; Minimum balance to open and earn APY: $100

Rate History

1 change since Sep 14, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%

Oct 5, 20264.40%▲ from 4.30%
Sep 14, 20264.30%first recorded

Northeast Bank Portland, ME

Institution Rating:

A+5.0 ★Texas Ratio: 5.03%

27 Pearl St, Portland, ME 04101

Propel Relationship CDs - 6-Month CD

$5,000

4.40% ▲ 1.61% above avg

View

▼

Rate4.31%

Min Deposit$5,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.61% above avg

Details

Propel Relationship CD; requires Propel Premier Checking and Propel Preferred Savings; includes additional 0.15% APY; must be opened in a banking center; opening deposit must be new money; APY effective as of 10/14/2026

Rate History

1 change since Sep 18, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15%

Oct 20, 20264.40%▲ from 4.15%
Sep 18, 20264.15%first recorded

Journey Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.72%

1400 2nd Ave, Des Moines, IA 50314 3403

Jumbo Certificates - 6 months

$100,000

4.38% ▲ 1.59% above avg

View

▼

Rate4.29%

Min Deposit$100,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.59% above avg

Details

$100,000 minimum

Rate History

1 change since Sep 14, 2026 · 4.23% → 4.38% ▲ 0.15 pts · high 4.38% / low 4.23%

Oct 26, 20264.38%▲ from 4.23%
Sep 14, 20264.23%first recorded

Alabama One Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.53%

1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842

Certificate IRA (Traditional & Roth) - 6 Month

$1,000

4.36% ▲ 1.57% above avg

View

▼

Rate4.29%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.57% above avg

Details

Certificate IRA (Traditional & Roth); $1,000 minimum to open and to obtain APY; Dividends compounded and paid quarterly

Rate History

No change since Oct 10, 2026 · 4.36% APY · checked 3 times

Popular Direct

Institution Rating:

A+5.0 ★Texas Ratio: 2.12%

1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179

6-month CD

$10,000

4.35% ▲ 1.56% above avg

View

▼

Rate—

Min Deposit$10,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.56% above avg

Details

No additional details available.

Rate History

2 changes since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%

Oct 6, 20264.35%▲ from 4.25%
Oct 1, 20264.25%▲ from 4.15%
Sep 24, 20264.15%first recorded

Bankers Bank of the West

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1099 18th St, Denver, CO 80202

Fixed-rate Certificate of Deposit - 6 months

$50,000

4.35% ▲ 1.56% above avg

View

▼

Rate4.35%

Min Deposit$50,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.56% above avg

Details

Interest paid quarterly via ACH; withdrawal before maturity not permitted; Rates current as of October 1, 2026

Rate History

No change since Oct 20, 2026 · 4.35% APY · checked 3 times

Edward Jones Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

12555 Manchester Rd, Saint Louis, MO 63131

6 Month FDIC-Insured Certificates of Deposit

4.35% ▲ 1.56% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.56% above avg

Details

APY effective 10/23/2026; interest must be paid out periodically (no compounding)

Rate History

1 change since Sep 19, 2026 · 4.20% → 4.35% ▲ 0.15 pts · high 4.35% / low 4.20%

Oct 21, 20264.35%▲ from 4.20%
Sep 19, 20264.20%first recorded

Salt City Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.13%

1753 Milton Ave, Solvay, NY 13209

6 Month Share Certificate

4.35% ▲ 1.56% above avg

View

▼

Rate4.28%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.79%▲ 1.56% above avg

Details

Minimum balance $1,000; Penalty may apply for early withdrawal

Rate History

1 change since Sep 17, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10%

Oct 23, 20264.35%▲ from 4.10%
Sep 17, 20264.10%first recorded

Greenville Heritage Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.32%

350 Harrison Bridge Rd, Simpsonville, SC 29680

6 Month Term Share Certificates

4.34% ▲ 1.55% above avg

View

▼

Rate4.25%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.79%▲ 1.55% above avg

Details

Balance: $100,001 and up

Rate History

No change since Sep 25, 2026 · 4.34% APY · checked 4 times

Healthcare Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.73%

29 Emmons Dr Ste C40, Princeton, NJ 08540 5971

Share Certificate - 6 Month

$1,000

4.33% ▲ 1.54% above avg

View

▼

Rate4.25%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.79%▲ 1.54% above avg

Details

Minimum balance of $1,000 to open; rates accurate as of 9/18/2026

Rate History

No change since Oct 13, 2026 · 4.33% APY · checked 2 times

Collegedale Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.95%

5046 University Drive, Collegedale, TN 37315

Term Share Certificate - 6 Months

4.33% ▲ 1.54% above avg

View

▼

Rate4.25%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.54% above avg

Details

Rates effective September 18, 2026

Rate History

No change since Oct 14, 2026 · 4.33% APY · checked 3 times

Post Office Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

4624 W Napoleon Ave, Metairie, LA 70001 2492

6 Month Share Certificate

$1,000

4.33% ▲ 1.54% above avg

View

▼

Rate4.25%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.54% above avg

Details

Rate tier: Base Rate + 1.25%; Dividends paid monthly

Rate History

No change since Sep 14, 2026 · 4.33% APY · checked 3 times

Swemp Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.73%

601 OLIVE ST, TEXARKANA, TX 75501

6 Month Certificate

4.33% ▲ 1.54% above avg

View

▼

Rate4.25%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.79%▲ 1.54% above avg

Details

Certificate Programs; Rates are subject to change without notice

Rate History

1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%

Oct 23, 20264.33%▲ from 4.07%
Sep 14, 20264.07%first recorded

Climate First Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.15%

182 37th Ave N, Saint Petersburg, FL 33704

6-Month Penalty-Free CD

$500

4.33% ▲ 1.54% above avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.54% above avg

Details

Special Promotion; Personal: $500 minimum opening deposit; Business: $1000 minimum opening deposit; Short-term growth with a strong return; No penalty for early withdrawals

Rate History

1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%

Sep 24, 20264.33%▲ from 4.07%
Sep 14, 20264.07%first recorded

SSB West Des Moines, IA

Institution Rating:

A5.0 ★Texas Ratio: 9.50%

4800 George Mills Civic Pkwy, West Des Moines, IA 50265

Certificate of Deposit 6 Month

4.32% ▲ 1.53% above avg

View

▼

Rate4.25%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.53% above avg

Details

Iowa residents in Polk, Jasper, and surrounding counties; Balance: $50,000 to $245,000

Rate History

No change since Oct 14, 2026 · 4.32% APY · checked 4 times

New Albin Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

118 Main St Ne, New Albin, IA 52160

6 Month CD

$1,000

4.32% ▲ 1.53% above avg

View

▼

Rate4.25%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.79%▲ 1.53% above avg

Details

Balance: $100,000 & over; Minimum $1,000 to open; APY based on quarterly compounding; Penalty for early withdrawal applies

Rate History

2 changes since Sep 20, 2026 · 4.22% → 4.32% ▲ 0.10 pts · high 4.32% / low 4.22%

Oct 3, 20264.32%▲ from 4.27%
Sep 24, 20264.27%▲ from 4.22%
Sep 20, 20264.22%first recorded

Morgan Stanley

Institution Rating:

A+5.0 ★Texas Ratio: 2.86%

201 S Main St Fl 5, Salt Lake City, UT 84111

6 Month Preferred Certificate of Deposit (CD)

$1,000

4.30% ▲ 1.51% above avg

View

▼

Rate4.25%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.51% above avg

Details

Available through Morgan Stanley Private Banking Group; deposits in increments of $1,000; maximum $50,000,000

Rate History

1 change since Oct 14, 2026 · 4.40% → 4.30% ▼ 0.10 pts · high 4.40% / low 4.30%

Oct 20, 20264.30%▼ from 4.40%
Oct 14, 20264.40%first recorded

Quill Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.58%

3280 N University Ave, Provo, UT 84604

6 Month CD

$1,000

4.30% ▲ 1.51% above avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.51% above avg

Details

Effective as of October 26, 2026

Rate History

No change since Oct 7, 2026 · 4.30% APY · checked 3 times

Raymond James Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.19%

710 Carillon Pkwy, Saint Petersburg, FL 33716

Certificate of Deposit - 6 Months

$1,000

4.30% ▲ 1.51% above avg

View

▼

Rate4.21%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.79%▲ 1.51% above avg

Details

Minimum opening deposit $2,000 if purchased through Raymond James brokerage account; rates effective October 16, 2026

Rate History

No change since Oct 20, 2026 · 4.30% APY · checked 2 times

Newtek Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.10%

1111 Brickell Ave, Miami, FL 33131

6 Month CD

$2,500

4.30% ▲ 1.51% above avg

View

▼

Rate—

Min Deposit$2,500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.51% above avg

Details

Business CD; maximum deposit $250,000

Rate History

1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%

Oct 14, 20264.30%▲ from 4.00%
Sep 18, 20264.00%first recorded

Luana Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.00%

100 Harvest Dr, Luana, IA 52156

Certificate of Deposit - 6 Month

4.30% ▲ 1.51% above avg

View

▼

Rate4.25%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.51% above avg

Details

Balance: $100,000 and above

Rate History

No change since Oct 20, 2026 · 4.30% APY · checked 2 times

DR Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.17%

1001 Post Rd, Darien, CT 06820

Prime Certificates of Deposit - 6 month

$500

4.30% ▲ 1.51% above avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.79%▲ 1.51% above avg

Details

Minimum deposit of $500 to open and earn the APY; APY as of September 15, 2026

Rate History

No change since Oct 8, 2026 · 4.30% APY · checked 4 times

Austin Capital Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.96%

3305 Steck Ave Ste 275, Austin, TX 78757

6 Month Certificate of Deposit

4.30% ▲ 1.51% above avg

View

▼

Rate4.25%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 21, 2026

MBR National Avg2.79%▲ 1.51% above avg

Details

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

Rate History

1 change since Sep 27, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%

Oct 3, 20264.30%▲ from 4.04%
Sep 27, 20264.04%first recorded

WebBank

Institution Rating:

A+5.0 ★Texas Ratio: 2.61%

215 S State St, Salt Lake City, UT 84111

6 Month CD

4.26% ▲ 1.47% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.47% above avg

Details

Minimum account balance of $2,500; APY assumes interest remains on deposit until maturity; withdrawal will reduce earnings; Rates as of 10/23/2026

Rate History

No change since Oct 14, 2026 · 4.26% APY · checked 4 times

City National Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.55%

400 Park Ave, New York, NY 10022

Special 6-Month Fixed Rate CD

$10,000

4.23% ▲ 1.44% above avg

View

▼

Rate4.15%

Min Deposit$10,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.79%▲ 1.44% above avg

Details

New money deposits required; $10,000 minimum opening deposit

Rate History

1 change since Oct 14, 2026 · 4.00% → 4.23% ▲ 0.23 pts · high 4.23% / low 4.00%

Oct 20, 20264.23%▲ from 4.00%
Oct 14, 20264.00%first recorded

12 Month CD Rates

MonitorBankRates National Average · 12 Month CD3.00% APY▼ 0.01% from last week

View 12-month CD rate trend

The national average 12-month CD rate is 3.00% APY as of October 27, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Southeast Missouri Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.03%

312 W Main St, Park Hills, MO 63601 2544

Certificate of Deposit - 12 Month Youth

$100

6.14% ▲ 3.14% above avg

View

▼

Rate6.00%

Min Deposit$100

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 3.14% above avg

Details

Youth certificate; $1000.00 Maximum; Certificates of Deposit as of 04/29/2026

Rate History

No change since Oct 19, 2026 · 6.14% APY · checked 2 times

Vacationland Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.80%

2409 E Perkins Ave, Sandusky, OH 44870

Youth Certificates - 12 Months

$500

6.03% ▲ 3.03% above avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg3.00%▲ 3.03% above avg

Details

Age: 19; Maximum $20,000.00 per child, regardless of the number of certificates held by the child

Rate History

No change since Sep 14, 2026 · 6.03% APY · checked 10 times

Congressional Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.63%

10461 White Granite Dr, Oakton, VA 22124

Share Certificate - Flexible Saver - 1 Year Certificate

$100

6.00% ▲ 3.00% above avg

View

▼

Rate5.83%

Min Deposit$100

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg3.00%▲ 3.00% above avg

Details

Rates effective as of 10/22/2026

Rate History

No change since Oct 23, 2026 · 6.00% APY

CO-OP Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.54%

100 E Main St, Black River Falls, WI 54615

12 Month Youth Saver Certificate

$100

6.00% ▲ 3.00% above avg

View

▼

Rate5.87%

Min Deposit$100

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 3.00% above avg

Details

$3,000 maximum

Rate History

No change since Sep 14, 2026 · 6.00% APY · checked 11 times

Schools Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.87%

20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306

12 Month Relationship Certificate

5.90% ▲ 2.90% above avg

View

▼

Rate5.75%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg3.00%▲ 2.90% above avg

Details

Terms Apply; Balance: < $90,000

Rate History

No change since Oct 15, 2026 · 5.90% APY · checked 2 times

Gundersen Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.40%

1910 South Ave, La Crosse, WI 54601

Teenager (Age 13-17) - 12 Month Term (Deposit Certificate)

$100

5.50% ▲ 2.50% above avg

View

▼

Rate5.39%

Min Deposit$100

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 2.50% above avg

Details

Ages: 13-17; Dividends compounded quarterly; Additional deposits not permitted except Youngster and Teenager Certificates; 180 days interest early withdrawal penalty

Rate History

No change since Oct 26, 2026 · 5.50% APY

Cornerstone Community Federal Credit Union

Institution Rating:

B+4.8 ★Texas Ratio: 17.18%

55 Stevens St, Lockport, NY 14094 4229

1 Year Youth Share Certificate

5.50% ▲ 2.50% above avg

View

▼

Rate5.35%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg3.00%▲ 2.50% above avg

Details

Balance: $50 - $5,000; Effective as of June 15, 2026

Rate History

No change since Oct 5, 2026 · 5.50% APY · checked 5 times

Commonwealth Credit Union Frankfort, KY

Institution Rating:

A+5.0 ★Texas Ratio: 5.31%

417 High St, Frankfort, KY 40601

Grow with Me 12-Month Certificate

$250

5.25% ▲ 2.25% above avg

View

▼

Rate5.13%

Min Deposit$250

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 2.25% above avg

Details

Available only for members under 18 years of age; Each member may only have one account; Maximum initial deposit $1,000; Early withdrawal penalties may apply

Rate History

No change since Oct 26, 2026 · 5.25% APY

Diversified Members Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.06%

1480 E Jefferson Ave, Detroit, MI 48207

12 Month Legacy CD

5.15% ▲ 2.15% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 2.15% above avg

Details

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

Rate History

No change since Sep 18, 2026 · 5.15% APY · checked 7 times

De Soto Mo Pac Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.77%

2082 Rock Rd, De Soto, MO 63020 1052

1 Year Certificate of Deposit

$5,000

5.09% ▲ 2.09% above avg

View

▼

Rate5.00%

Min Deposit$5,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 2.09% above avg

Details

$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

Rate History

No change since Sep 14, 2026 · 5.09% APY · checked 8 times

NATIONAL INSTITUTES OF HEALTH

Institution Rating:

A+5.0 ★Texas Ratio: 4.98%

111 Rockville Pike Ste 500, Rockville, MD 20850

IRA Certificate 12 Month Jumbo

$100,000

5.00% ▲ 2.00% above avg

View

▼

Rate4.88%

Min Deposit$100,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 2.00% above avg

Details

Jumbo certificate; cannot be opened online, visit a branch or call 1-800-877-6440; IRA products not available online

Rate History

No change since Oct 14, 2026 · 5.00% APY · checked 2 times

Piedmont Advantage Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.82%

4997 Home Rd, Winston Salem, NC 27106

12 Month Special Limited Term Certificate

$5,000

5.00% ▲ 2.00% above avg

View

▼

Rate4.88%

Min Deposit$5,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 2.00% above avg

Details

Minimum $5,000 must come from funds not currently on deposit at Truliant or Piedmont Advantage; Effective as of October 2, 2026

Rate History

No change since Oct 9, 2026 · 5.00% APY · checked 5 times

Coastal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.34%

1000 Saint Albans Dr, Raleigh, NC 27609

Certificate - 12-Month

$250

5.00% ▲ 2.00% above avg

View

▼

Rate4.89%

Min Deposit$250

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 2.00% above avg

Details

Effective 10/23/2026

Rate History

No change since Oct 26, 2026 · 5.00% APY

LA Healthcare Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.47%

320 W 15th St Ste 128, Los Angeles, CA 90015 3092

Certificate - 12 months

5.00% ▲ 2.00% above avg

View

▼

Rate5.00%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg3.00%▲ 2.00% above avg

Details

Balance tier: $25,000 and over; Rate effective October 1, 2026

Rate History

1 change since Sep 17, 2026 · 2.00% → 5.00% ▲ 3.00 pts · high 5.00% / low 2.00%

Oct 9, 20265.00%▲ from 2.00%
Sep 17, 20262.00%first recorded

Tower Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

7901 Sandy Spring Rd, Laurel, MD 20707

1 Year Regular IRA Share Certificate

$500

4.95% ▲ 1.95% above avg

View

▼

Rate4.83%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.95% above avg

Details

No additional details available.

Rate History

No change since Oct 19, 2026 · 4.95% APY · checked 2 times

TUCSON

Institution Rating:

A+5.0 ★Texas Ratio: 5.69%

1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023

Share/IRA Certificate 1 Year

4.91% ▲ 1.91% above avg

View

▼

Rate4.80%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.91% above avg

Details

IRA certificate rates apply to Traditional IRA Certificates and Roth IRA Certificates

Rate History

No change since Oct 6, 2026 · 4.91% APY · checked 2 times

Members 1st Credit Union Saint Louis, MO

Institution Rating:

A+5.0 ★Texas Ratio: 1.59%

4702 Mattis Rd, Saint Louis, MO 63128

75th Anniversary Certificates of Deposit 12 Month

$7,500

4.84% ▲ 1.84% above avg

View

▼

Rate—

Min Deposit$7,500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.84% above avg

Details

Effective date 10/1/26

Rate History

No change since Oct 19, 2026 · 4.84% APY · checked 2 times

Northwest Plus Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.16%

2821 Hewitt Ave, Everett, WA 98201

12 Month Certificate of Deposit

$500

4.83% ▲ 1.83% above avg

View

▼

Rate4.75%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.83% above avg

Details

All certificates of deposit require a $500 minimum deposit.

Rate History

1 change since Sep 30, 2026 · 3.03% → 4.83% ▲ 1.80 pts · high 4.83% / low 3.03%

Oct 1, 20264.83%▲ from 3.03%
Sep 30, 20263.03%first recorded

T Bank

Institution Rating:

B+4.8 ★Texas Ratio: 17.09%

16200 Dallas Pkwy, Dallas, TX 75248

12 Month CD

$1,000

4.70% ▲ 1.70% above avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg3.00%▲ 1.70% above avg

Details

Branch APY; $1,000 Minimum Deposit; Rates effective as of October 22, 2026

Rate History

2 changes since Sep 14, 2026 · 4.16% → 4.70% ▲ 0.54 pts · high 4.70% / low 4.16%

Oct 22, 20264.70%▲ from 4.52%
Oct 14, 20264.52%▲ from 4.16%
Sep 14, 20264.16%first recorded

Stanford Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.30%

1860 Embarcadero Rd, Palo Alto, CA 94303 3335

12-Month Certificate

$100

4.70% ▲ 1.70% above avg

View

▼

Rate—

Min Deposit$100

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg3.00%▲ 1.70% above avg

Details

Today's best rate is up to 4.70% APY; includes a .50 bonus for active and engaged Loyalty+ members; minimum opening deposit $100; membership and checking or savings account required

Rate History

1 change since Sep 14, 2026 · 4.00% → 4.70% ▲ 0.70 pts · high 4.70% / low 4.00%

Sep 21, 20264.70%▲ from 4.00%
Sep 14, 20264.00%first recorded

GECU Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.55%

7227 Viscount Blvd, El Paso, TX 79925

Fixed-rate Certificate Account - 12-month Jumbo

$50,000

4.70% ▲ 1.70% above avg

View

▼

Rate4.60%

Min Deposit$50,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.70% above avg

Details

Jumbo; APY (Monthly Crediting)

Rate History

No change since Oct 22, 2026 · 4.70% APY · checked 2 times

Gulf Capital Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.09%

1 Riverway, Houston, TX 77056

Jumbo Certificates of Deposit - 12 Months

$250,000

4.70% ▲ 1.70% above avg

View

▼

Rate4.60%

Min Deposit$250,000

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg3.00%▲ 1.70% above avg

Details

Balance: over $250,000.00; Interest compounded and credited monthly

Rate History

1 change since Sep 14, 2026 · 4.33% → 4.70% ▲ 0.36 pts · high 4.70% / low 4.33%

Oct 8, 20264.70%▲ from 4.33%
Sep 14, 20264.33%first recorded

Toyota Financial Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.12%

2485 Village View Dr, Henderson, NV 89074

12 Month CD

4.68% ▲ 1.68% above avg

View

▼

Rate4.60%

Min Deposit$1

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.68% above avg

Details

Interest rate and APY are fixed for the initial term; early withdrawal penalty applies

Rate History

No change since Oct 21, 2026 · 4.68% APY · checked 2 times

Morgan Stanley

Institution Rating:

A+5.0 ★Texas Ratio: 2.86%

201 S Main St Fl 5, Salt Lake City, UT 84111

12 Month Preferred Certificate of Deposit (CD)

$1,000

4.65% ▲ 1.65% above avg

View

▼

Rate4.65%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.65% above avg

Details

Available through Morgan Stanley Private Banking Group; deposits in increments of $1,000; maximum $50,000,000

Rate History

1 change since Oct 14, 2026 · 4.60% → 4.65% ▲ 0.05 pts · high 4.65% / low 4.60%

Oct 26, 20264.65%▲ from 4.60%
Oct 14, 20264.60%first recorded

Merrick Bank

Institution Rating:

B+4.7 ★Texas Ratio: 18.99%

10705 S Jordan Gtwy, South Jordan, UT 84095

12 Month High Yield Certificates of Deposit

$25,000

4.65% ▲ 1.65% above avg

View

▼

Rate4.55%

Min Deposit$25,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.65% above avg

Details

APY current as of 10/21/2026; single-transaction minimum deposit

Rate History

No change since Oct 22, 2026 · 4.65% APY · checked 2 times

Atlantic Community Bankers Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.05%

225 Grandview Avenue Suite 401, Camp Hill, PA 17011

Certificate of Deposit - 1 Year

4.65% ▲ 1.65% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.65% above avg

Details

Rates subject to change based on market conditions and availability; minimum balance of $100,000 required for ACBB CDs

Rate History

1 change since Oct 22, 2026 · 4.67% → 4.65% ▼ 0.02 pts · high 4.67% / low 4.65%

Oct 26, 20264.65%▼ from 4.67%
Oct 22, 20264.67%first recorded

Edward Jones Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

12555 Manchester Rd, Saint Louis, MO 63131

1 Year FDIC-Insured Certificates of Deposit

4.65% ▲ 1.65% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.65% above avg

Details

APY effective 10/23/2026; interest must be paid out periodically (no compounding)

Rate History

2 changes since Sep 19, 2026 · 4.30% → 4.65% ▲ 0.35 pts · high 4.65% / low 4.30%

Oct 26, 20264.65%▲ from 4.60%
Oct 21, 20264.60%▲ from 4.30%
Sep 19, 20264.30%first recorded

Neches Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.97%

676 Magnolia Ave, Port Neches, TX 77651

12 Month Certificate

4.65% ▲ 1.65% above avg

View

▼

Rate4.55%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg3.00%▲ 1.65% above avg

Details

Certificate Rates (100,000 minimum balance)

Rate History

No change since Sep 17, 2026 · 4.65% APY · checked 5 times

PSB of Plainview

Institution Rating:

A-4.7 ★Texas Ratio: 9.93%

100 4th Ave Se, Plainview, MN 55964

12 Month Certificate of Deposit

4.63% ▲ 1.63% above avg

View

▼

Rate4.55%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.63% above avg

Details

Balance: $35,000+

Rate History

No change since Sep 19, 2026 · 4.63% APY · checked 3 times

Popular Direct

Institution Rating:

A+5.0 ★Texas Ratio: 2.12%

1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179

12-month CD

$10,000

4.60% ▲ 1.60% above avg

View

▼

Rate—

Min Deposit$10,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.60% above avg

Details

No additional details available.

Rate History

3 changes since Sep 24, 2026 · 4.25% → 4.60% ▲ 0.35 pts · high 4.60% / low 4.25%

Oct 19, 20264.60%▲ from 4.50%
Oct 6, 20264.50%▲ from 4.40%
Oct 1, 20264.40%▲ from 4.25%
Sep 24, 20264.25%first recorded

Raymond James Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.19%

710 Carillon Pkwy, Saint Petersburg, FL 33716

Certificate of Deposit - 12 Months

$1,000

4.60% ▲ 1.60% above avg

View

▼

Rate4.50%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg3.00%▲ 1.60% above avg

Details

Minimum opening deposit $2,000 if purchased through Raymond James brokerage account; rates effective October 16, 2026

Rate History

No change since Oct 20, 2026 · 4.60% APY · checked 2 times

Credit One Bank, N.A.

Institution Rating:

A5.0 ★Texas Ratio: 9.51%

6801 S Cimarron Rd, Las Vegas, NV 89113

12 Month High Yield Jumbo CD

$100,000

4.60% ▲ 1.60% above avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.60% above avg

Details

Loyalty Rate: 0.05%; Earn Loyalty Rates when you renew your CD; Open An Account

Rate History

2 changes since Sep 18, 2026 · 4.30% → 4.60% ▲ 0.30 pts · high 4.60% / low 4.30%

Oct 14, 20264.60%▲ from 4.50%
Oct 7, 20264.50%▲ from 4.30%
Sep 18, 20264.30%first recorded

LCNB National Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.05%

193 E Main St, Chillicothe, OH 45601

12 Month Brokered CD

$100,000

4.60% ▲ 1.60% above avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.60% above avg

Details

Issuer: Ally Bank; Interest paid at maturity; Maturity 10/29/2027

Rate History

No change since Oct 26, 2026 · 4.60% APY

National Police Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.12%

1407 W Washington Blvd, Chicago, IL 60607 1820

12-Month IRA

4.60% ▲ 1.60% above avg

View

▼

Rate4.50%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg3.00%▲ 1.60% above avg

Details

No additional details available.

Rate History

1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%

Oct 8, 20264.60%▲ from 4.08%
Sep 16, 20264.08%first recorded

The Summit Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.28%

100 MARINA DR, ROCHESTER, NY 14626 5104

12 Month Jumbo Certificate

4.60% ▲ 1.60% above avg

View

▼

Rate4.50%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg3.00%▲ 1.60% above avg

Details

Effective October 22 through October 28, 2026

Rate History

1 change since Oct 4, 2026 · 4.50% → 4.60% ▲ 0.10 pts · high 4.60% / low 4.50%

Oct 23, 20264.60%▲ from 4.50%
Oct 4, 20264.50%first recorded

American Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.70%

6810 S Minnesota Ave, Sioux Falls, SD 57108

12 Month CD & IRA-CD Special Offer

$5,000

4.60% ▲ 1.60% above avg

View

▼

Rate—

Min Deposit$5,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.60% above avg

Details

Two penalty-free withdrawals after account established for 7 days, minimum $1,000 per withdrawal; additional withdrawals may incur penalty; Checking Account Relationship required; not available for Public Funds; offer applies to CD renewals or new money to AB&T only; IRA-CDs consult financial advisor or tax professional

Rate History

No change since Oct 22, 2026 · 4.60% APY · checked 2 times

CDC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.99%

4770 Buford Hwy, Chamblee, GA 30341

Rewards Certificates - 12 Months

$1,000

4.59% ▲ 1.59% above avg

View

▼

Rate4.50%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg3.00%▲ 1.59% above avg

Details

Tenure: 20+ Yrs; Active Checking: Yes

Rate History

1 change since Sep 14, 2026 · 4.07% → 4.59% ▲ 0.52 pts · high 4.59% / low 4.07%

Oct 23, 20264.59%▲ from 4.07%
Sep 14, 20264.07%first recorded

Cranberry Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.35%

2203 Cranberry Hwy, West Wareham, MA 02576 1210

12-Month Traditional/Roth IRA CD

$100,000

4.59% ▲ 1.59% above avg

View

▼

Rate4.50%

Min Deposit$100,000

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg3.00%▲ 1.59% above avg

Details

No additional details available.

Rate History

1 change since Sep 14, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%

Sep 29, 20264.59%▲ from 4.33%
Sep 14, 20264.33%first recorded

Consumers Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.55%

425 Neptune Ave, Brooklyn, NY 11224 4559

1 Year Certificate

$500

4.58% ▲ 1.58% above avg

View

▼

Rate4.50%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg3.00%▲ 1.58% above avg

Details

Early withdrawal penalty: 120 days simple interest for one year

Rate History

No change since Oct 5, 2026 · 4.58% APY · checked 4 times

Belton Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.90%

400 N Wall St, Belton, TX 76513

1 Year CD

4.58% ▲ 1.58% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.58% above avg

Details

Balance: $1k min - $20k max

Rate History

No change since Oct 22, 2026 · 4.58% APY · checked 2 times

Holy Family Memorial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.40%

2300 Western Ave, Manitowoc, WI 54220

12 Month Share Certificate

$1,000

4.58% ▲ 1.58% above avg

View

▼

Rate4.50%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.58% above avg

Details

Rates effective 10/16/2026; APY is annual percentage yield

Rate History

1 change since Oct 22, 2026 · 3.65% → 4.58% ▲ 0.93 pts · high 4.58% / low 3.65%

Oct 26, 20264.58%▲ from 3.65%
Oct 22, 20263.65%first recorded

Morgan Stanley E-Trade

Institution Rating:

A4.8 ★Texas Ratio: 2.45%

2000 Westchester Ave, Purchase, NY 10577

12 Month Certificate of Deposit

4.55% ▲ 1.55% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg3.00%▲ 1.55% above avg

Details

FDIC insurance: at least $250,000

Rate History

1 change since Oct 8, 2026 · 4.75% → 4.55% ▼ 0.20 pts · high 4.75% / low 4.55%

Oct 22, 20264.55%▼ from 4.75%
Oct 8, 20264.75%first recorded

Topeka Firemens Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.05%

2447 SE 29th St, Topeka, KS 66605 2240

1 Year Share Certificates

4.55% ▲ 1.55% above avg

View

▼

Rate4.47%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.55% above avg

Details

No additional details available.

Rate History

No change since Sep 14, 2026 · 4.55% APY · checked 6 times

Mid-America Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.02%

802 Ames St, Baldwin City, KS 66006

1 Year CD or IRA - Jumbo

$500

4.55% ▲ 1.55% above avg

View

▼

Rate4.50%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.55% above avg

Details

Jumbo CD; certificate balances $250,000 & above; rates only apply when additional qualifications are met

Rate History

1 change since Oct 14, 2026 · 4.04% → 4.55% ▲ 0.51 pts · high 4.55% / low 4.04%

Oct 20, 20264.55%▲ from 4.04%
Oct 14, 20264.04%first recorded

Northeast Bank Portland, ME

Institution Rating:

A+5.0 ★Texas Ratio: 5.03%

27 Pearl St, Portland, ME 04101

Propel Relationship CDs - 1 Year CD

$5,000

4.55% ▲ 1.55% above avg

View

▼

Rate4.46%

Min Deposit$5,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.55% above avg

Details

Rate History

1 change since Sep 18, 2026 · 4.25% → 4.55% ▲ 0.30 pts · high 4.55% / low 4.25%

Oct 20, 20264.55%▲ from 4.25%
Sep 18, 20264.25%first recorded

Hope Federal Credit Union Jackson, MS

Institution Rating:

A5.0 ★Texas Ratio: 7.78%

1451 Madison Ave, Memphis, TN 38104

12 Month Jumbo Share Certificates (CDs)

$1,000

4.53% ▲ 1.53% above avg

View

▼

Rate4.43%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.53% above avg

Details

Jumbo rate; standard jumbo rates available on deposits of $95,000 or more

Rate History

1 change since Sep 18, 2026 · 4.07% → 4.53% ▲ 0.46 pts · high 4.53% / low 4.07%

Oct 9, 20264.53%▲ from 4.07%
Sep 18, 20264.07%first recorded

Nashville Firemens Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.33%

908 Woodland St, Nashville, TN 37206

IRA Term Account - 12 Months

4.52% ▲ 1.52% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.52% above avg

Details

Effective 08/15/2023; All rates stated as APY; Certificate rates are set for the term of the account; Early withdrawal penalty applies

Rate History

No change since Sep 14, 2026 · 4.52% APY · checked 4 times

Rising Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.66%

2191 Lemay Ferry Rd, Lemay, MO 63125

Term CD 1-Year

$1,000

4.51% ▲ 1.51% above avg

View

▼

Rate4.44%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.51% above avg

Details

Interest credited every 3 months; FDIC insured; Account maximum $1,000,000

Rate History

2 changes since Sep 24, 2026 · 4.05% → 4.51% ▲ 0.46 pts · high 4.51% / low 4.05%

Oct 26, 20264.51%▲ from 4.25%
Oct 6, 20264.25%▲ from 4.05%
Sep 24, 20264.05%first recorded

Bankers Bank of the West

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1099 18th St, Denver, CO 80202

Fixed-rate Certificate of Deposit - 12 months

$50,000

4.51% ▲ 1.51% above avg

View

▼

Rate4.51%

Min Deposit$50,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.51% above avg

Details

Interest paid quarterly via ACH; withdrawal before maturity not permitted; Rates current as of October 1, 2026

Rate History

No change since Oct 20, 2026 · 4.51% APY · checked 3 times

Northern Bank & Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.93%

275 Mishawum Rd, Woburn, MA 01801

Premium 12 Month CD

$500

4.50% ▲ 1.50% above avg

View

▼

Rate4.41%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.50% above avg

Details

Must Open In-Branch

Rate History

No change since Oct 20, 2026 · 4.50% APY · checked 2 times

Ally Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.00%

200 W Civic Center Dr, Sandy, UT 84070

12 Month High Yield CD

4.50% ▲ 1.50% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.50% above avg

Details

No minimum deposit to open.

Rate History

3 changes since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%

Oct 26, 20264.50%▲ from 4.30%
Oct 20, 20264.30%▲ from 4.15%
Sep 24, 20264.15%▲ from 4.00%
Sep 18, 20264.00%first recorded

First Jackson Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.03%

43243 Us Highway 72, Stevenson, AL 35772

12 Month Certificate of Deposit

4.50% ▲ 1.50% above avg

View

▼

Rate4.50%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.50% above avg

Details

No additional details available.

Rate History

1 change since Sep 14, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%

Oct 26, 20264.50%▲ from 3.75%
Sep 14, 20263.75%first recorded

Sallie Mae

Institution Rating:

A+5.0 ★Texas Ratio: 4.70%

175 S West Temple, Salt Lake City, UT 84101

12 Month Certificate of Deposit

4.50% ▲ 1.50% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.50% above avg

Details

Maintain a minimum balance of $2,500 in your CD to keep earning interest

Rate History

3 changes since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%

Oct 21, 20264.50%▲ from 4.40%
Oct 14, 20264.40%▲ from 4.30%
Sep 27, 20264.30%▲ from 4.20%
Sep 18, 20264.20%first recorded

Third Federal Savings and Loan

Institution Rating:

A+5.0 ★Texas Ratio: 2.32%

7007 Broadway Ave, Cleveland, OH 44105

12 Month Online CD

$500

4.50% ▲ 1.50% above avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.50% above avg

Details

Online CD

Rate History

1 change since Sep 18, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%

Oct 20, 20264.50%▲ from 4.35%
Sep 18, 20264.35%first recorded

Northwest Bank

Institution Rating:

A5.0 ★Texas Ratio: 12.37%

1301 5th Ave, Seattle, WA 98101

12 Month Fixed Rate Certificate of Deposit

$100

4.50% ▲ 1.50% above avg

View

▼

Rate4.40%

Min Deposit$100

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.50% above avg

Details

Certificate of Deposit - Personal & Business; Minimum opening deposit of $100; Interest rate 4.40%, APY 4.50%

Rate History

No change since Oct 26, 2026 · 4.50% APY

CIBC

Institution Rating:

A+5.0 ★Texas Ratio: 5.05%

3040 W 111th Street, Chicago, IL 60655

12-month CD

$1,000

4.50% ▲ 1.50% above avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.50% above avg

Details

Featured rate; Online Only; 30-day penalty may apply for early withdrawal

Rate History

2 changes since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%

Oct 20, 20264.50%▲ from 4.35%
Sep 24, 20264.35%▲ from 4.15%
Sep 14, 20264.15%first recorded

Paramount Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.70%

90 Village Square Shop Ctr, Hazelwood, MO 63042

CD - 12 Month Special

$1,000

4.50% ▲ 1.50% above avg

View

▼

Rate4.42%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg3.00%▲ 1.50% above avg

Details

Special rate applies to new money only; funds already on deposit with Paramount Bank may not be eligible; Quarterly Post or Interest Checks; interest checks reduce APY

Rate History

No change since Oct 22, 2026 · 4.50% APY

Freedom Bank Alamo, TX

Institution Rating:

A+5.0 ★Texas Ratio: 1.01%

533 N Alamo Rd, Alamo, TX 78516

12-Month IRA CD Account

4.50% ▲ 1.50% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg3.00%▲ 1.50% above avg

Details

IRA CD; minimum daily balance of $1,000.00 must be maintained; rate applicable to a maximum of $250,000.00 FDIC coverage per customer relationship; opening deposit cannot originate from pre-existing Freedom Bank account funds; CD rates based upon in-house rates accurate as of September 18, 2026

Rate History

1 change since Sep 14, 2026 · 3.82% → 4.50% ▲ 0.68 pts · high 4.50% / low 3.82%

Sep 24, 20264.50%▲ from 3.82%
Sep 14, 20263.82%first recorded

Climate First Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.15%

182 37th Ave N, Saint Petersburg, FL 33704

12-Month Penalty-Free CD

$500

4.46% ▲ 1.46% above avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg3.00%▲ 1.46% above avg

Details

Special Promotion; Personal: $500 minimum opening deposit; Business: $1000 minimum opening deposit; Lock in a great rate for a full year; No penalty for early withdrawals

Rate History

1 change since Sep 14, 2026 · 4.15% → 4.46% ▲ 0.31 pts · high 4.46% / low 4.15%

Oct 21, 20264.46%▲ from 4.15%
Sep 14, 20264.15%first recorded

HSBC Trust Company (Delaware)

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

300 Delaware Ave Ste 1401, Wilmington, DE 19801

New Money Certificate of Deposit - 12 months

$1,000

4.40% ▲ 1.40% above avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg3.00%▲ 1.40% above avg

Details

Exclusively for HSBC Premier clients; funded with New Money; minimum balance to open and obtain APY is $1000; available to individuals only, not business customers; apply online

Rate History

1 change since Sep 28, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%

Oct 14, 20264.40%▲ from 4.35%
Sep 28, 20264.35%first recorded

18 Month CD Rates

MonitorBankRates National Average · 18 Month CD2.90% APY▲ 0.01% from last week

View 18-month CD rate trend

The national average 18-month CD rate is 2.90% APY as of October 27, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

FreeStar Financial Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.11%

37570 S Gratiot Ave, Clinton Township, MI 48036

18-Month Special - Military

5.25% ▲ 2.35% above avg

View

▼

Rate5.13%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 2.35% above avg

Details

Military rate; eligible military members (Active Duty, Veterans, Retirees) with full direct deposit of $2,000 or more into checking; military status verification required; at maturity renewed into a 24-month CD

Rate History

No change since Oct 9, 2026 · 5.25% APY · checked 5 times

USAlliance Financial National

18 Month Rate Special Certificate

5.05% ▲ 2.15% above avg

View

▼

Rate4.93%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 2.15% above avg

Details

Promotional rate; Members log in to open

Rate History

1 change since Oct 1, 2026 · 4.10% → 5.05% ▲ 0.95 pts · high 5.05% / low 4.10%

Oct 26, 20265.05%▲ from 4.10%
Oct 1, 20264.10%first recorded

Bank of Franklin County

Institution Rating:

A+5.0 ★Texas Ratio: 3.97%

900 E 8th St, Washington, MO 63090

18 Month YOUTH Fair CD Special

5.00% ▲ 2.10% above avg

View

▼

Rate4.89%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 2.10% above avg

Details

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

Rate History

1 change since Oct 21, 2026 · 4.90% → 5.00% ▲ 0.10 pts · high 5.00% / low 4.90%

Oct 26, 20265.00%▲ from 4.90%
Oct 21, 20264.90%first recorded

Merrick Bank

Institution Rating:

B+4.7 ★Texas Ratio: 18.99%

10705 S Jordan Gtwy, South Jordan, UT 84095

18 Month High Yield Certificates of Deposit

$25,000

4.90% ▲ 2.00% above avg

View

▼

Rate4.78%

Min Deposit$25,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 2.00% above avg

Details

APY current as of 10/21/2026; single-transaction minimum deposit

Rate History

No change since Oct 22, 2026 · 4.90% APY · checked 2 times

Toyota Financial Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.12%

2485 Village View Dr, Henderson, NV 89074

18 Month CD

4.84% ▲ 1.94% above avg

View

▼

Rate4.75%

Min Deposit$1

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.94% above avg

Details

Interest rate and APY are fixed for the initial term; early withdrawal penalty applies

Rate History

No change since Oct 21, 2026 · 4.84% APY · checked 2 times

State Bank of Newburg

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

300 Congress Dr Hwy 33, Newburg, WI 53060

18 mo Variable Rate IRA 18 mo Certificate of Deposit

$500

4.84% ▲ 1.94% above avg

View

▼

Rate4.75%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 1.94% above avg

Details

Interest credited: Quarterly; Variable

Rate History

No change since Sep 14, 2026 · 4.84% APY · checked 7 times

Morgan Stanley

Institution Rating:

A+5.0 ★Texas Ratio: 2.86%

201 S Main St Fl 5, Salt Lake City, UT 84111

18 Month Preferred Certificate of Deposit (CD)

$1,000

4.80% ▲ 1.90% above avg

View

▼

Rate4.80%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.90% above avg

Details

Available through Morgan Stanley Private Banking Group; deposits in increments of $1,000; maximum $50,000,000

Rate History

No change since Oct 14, 2026 · 4.80% APY · checked 3 times

Popular Direct

Institution Rating:

A+5.0 ★Texas Ratio: 2.12%

1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179

18-month CD

$10,000

4.80% ▲ 1.90% above avg

View

▼

Rate—

Min Deposit$10,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.90% above avg

Details

No additional details available.

Rate History

4 changes since Sep 24, 2026 · 4.35% → 4.80% ▲ 0.45 pts · high 4.80% / low 4.35%

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%

Raymond James Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.19%

710 Carillon Pkwy, Saint Petersburg, FL 33716

Certificate of Deposit - 18 Months

$1,000

4.80% ▲ 1.90% above avg

View

▼

Rate4.69%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.90%▲ 1.90% above avg

Details

Minimum opening deposit $2,000 if purchased through Raymond James brokerage account; rates effective October 16, 2026

Rate History

No change since Oct 20, 2026 · 4.80% APY · checked 2 times

First Jackson Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.03%

43243 Us Highway 72, Stevenson, AL 35772

18 Month Certificate of Deposit

4.77% ▲ 1.87% above avg

View

▼

Rate4.75%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.87% above avg

Details

No additional details available.

Rate History

1 change since Sep 14, 2026 · 3.75% → 4.77% ▲ 1.02 pts · high 4.77% / low 3.75%

Oct 26, 20264.77%▲ from 3.75%
Sep 14, 20263.75%first recorded

CO-OP Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.54%

100 E Main St, Black River Falls, WI 54615

IRA Certificate - 18 month

$1,000

4.75% ▲ 1.85% above avg

View

▼

Rate4.67%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.85% above avg

Details

No additional details available.

Rate History

1 change since Sep 14, 2026 · 3.95% → 4.75% ▲ 0.80 pts · high 4.75% / low 3.95%

Oct 19, 20264.75%▲ from 3.95%
Sep 14, 20263.95%first recorded

Y-12 Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.67%

450 N Charles G Seivers Blvd, Clinton, TN 37716 3730

18 Month Business Share Certificate PROMO

$50,000

4.75% ▲ 1.85% above avg

View

▼

Rate4.65%

Min Deposit$50,000

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 1.85% above avg

Details

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

Rate History

No change since Oct 15, 2026 · 4.75% APY · checked 2 times

Legacy Bank Hinton, OK

Institution Rating:

B-4.4 ★Texas Ratio: 22.58%

101 W Main St, Hinton, OK 73047

IRA 18 Month Variable

4.67% ▲ 1.77% above avg

View

▼

Rate4.57%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.77% above avg

Details

Balance: $0.00 and Up; Variable rate; Early withdrawal penalty may apply

Rate History

No change since Oct 22, 2026 · 4.67% APY · checked 2 times

Educational Systems Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.40%

7500 Greenway Center Dr, Greenbelt, MD 20770

18 Month Jumbo Certificates - Star Member

4.65% ▲ 1.75% above avg

View

▼

Rate4.57%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 1.75% above avg

Details

Star Member rate

Rate History

No change since Oct 12, 2026 · 4.65% APY · checked 3 times

HEB Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.70%

4630 N Loop 1604 W Ste 101, San Antonio, TX 78249

Super Flex Term CD Special (6-18 months)

4.65% ▲ 1.75% above avg

View

▼

Rate4.55%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 1.75% above avg

Details

Effective Date: October 8, 2026

Rate History

No change since Oct 15, 2026 · 4.65% APY · checked 2 times

Androscoggin Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.70%

30 Lisbon St, Lewiston, ME 04240

18 Month Variable Rate IRA CD

$500

4.64% ▲ 1.74% above avg

View

▼

Rate4.54%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.74% above avg

Details

Variable rate; only available as an IRA; APY assumes interest remains on deposit until maturity; early withdrawal penalty may apply

Rate History

1 change since Sep 19, 2026 · 4.23% → 4.64% ▲ 0.41 pts · high 4.64% / low 4.23%

Oct 11, 20264.64%▲ from 4.23%
Sep 19, 20264.23%first recorded

First Savings Bank of Hegewisch

Institution Rating:

A+5.0 ★Texas Ratio: 0.18%

18207 Burnham Ave, Lansing, IL 60438

18 Month Variable Rate Certificate

$1,000

4.62% ▲ 1.72% above avg

View

▼

Rate4.54%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.72% above avg

Details

Rate changes quarterly; Quarterly compounding; $100.00 minimum additions permitted; IRA fund also permitted

Rate History

1 change since Sep 24, 2026 · 4.04% → 4.62% ▲ 0.58 pts · high 4.62% / low 4.04%

Oct 3, 20264.62%▲ from 4.04%
Sep 24, 20264.04%first recorded

Somerset Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

220 W Union Ave, Bound Brook, NJ 08805

18 Month Variable IRA

$100

4.60% ▲ 1.70% above avg

View

▼

Rate4.50%

Min Deposit$100

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.90%▲ 1.70% above avg

Details

Effective 10/22/2026; rate and yield may change during the term; additional deposits in increments of $50 or more without extending the term

Rate History

1 change since Sep 20, 2026 · 4.11% → 4.60% ▲ 0.49 pts · high 4.60% / low 4.11%

Oct 3, 20264.60%▲ from 4.11%
Sep 20, 20264.11%first recorded

Leader Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.22%

141 Massachusetts Ave, Arlington, MA 02474

18-Month CD

4.60% ▲ 1.70% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.70% above avg

Details

Exclusive High-Yield CD Offer; Up to $250,000; Rate effective as of 26 October, 2026

Rate History

1 change since Oct 14, 2026 · 4.35% → 4.60% ▲ 0.25 pts · high 4.60% / low 4.35%

Oct 26, 20264.60%▲ from 4.35%
Oct 14, 20264.35%first recorded

Gesa Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.57%

825 Goethals Dr, Richland, WA 99352

IRA CD - 18 Months

4.60% ▲ 1.70% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.70% above avg

Details

Balance: $100,000.00 and over; IRA certificate; early withdrawal penalties apply

Rate History

No change since Sep 14, 2026 · 4.60% APY · checked 7 times

Tower Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

7901 Sandy Spring Rd, Laurel, MD 20707

Regular and Special Share Certificates - 18 month

$500

4.60% ▲ 1.70% above avg

View

▼

Rate4.50%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.70% above avg

Details

Auto-renews at next highest term unless withdrawn at maturity; not offered on IRAs

Rate History

No change since Oct 14, 2026 · 4.60% APY · checked 3 times

Utah Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.78%

360 W 4800 N, Provo, UT 84604

18 Month Certificate

$500

4.60% ▲ 1.70% above avg

View

▼

Rate4.51%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.70% above avg

Details

Certificate Specials; Promotional certificate for a limited time only; Dividend Rate 4.51%, APY 4.60%

Rate History

1 change since Oct 6, 2026 · 4.50% → 4.60% ▲ 0.10 pts · high 4.60% / low 4.50%

Oct 26, 20264.60%▲ from 4.50%
Oct 6, 20264.50%first recorded

Morgan Stanley E-Trade

Institution Rating:

A4.8 ★Texas Ratio: 2.45%

2000 Westchester Ave, Purchase, NY 10577

18 Month Certificate of Deposit

4.55% ▲ 1.65% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 1.65% above avg

Details

FDIC insurance: at least $250,000

Rate History

1 change since Oct 8, 2026 · 4.40% → 4.55% ▲ 0.15 pts · high 4.55% / low 4.40%

Oct 22, 20264.55%▲ from 4.40%
Oct 8, 20264.40%first recorded

Fremont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.36%

315 Croghan St, Fremont, OH 43420 3013

Share Certificates - 18 Month

4.55% ▲ 1.65% above avg

View

▼

Rate4.46%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 1.65% above avg

Details

Type of Certificate: Regular/IRA; Dividends compound & paid: Daily

Rate History

1 change since Sep 14, 2026 · 4.11% → 4.55% ▲ 0.44 pts · high 4.55% / low 4.11%

Oct 12, 20264.55%▲ from 4.11%
Sep 14, 20264.11%first recorded

Seven Seventeen Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.64%

3181 Larchmont Ave NE, Warren, OH 44483 2435

Jumbo Certificate - 18 Month

4.55% ▲ 1.65% above avg

View

▼

Rate4.46%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.65% above avg

Details

Jumbo certificate bonus: balance of $250,000 or more; additional 0.25% APY tier

Rate History

2 changes since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%

Oct 19, 20264.55%▲ from 4.30%
Oct 9, 20264.30%▲ from 3.75%
Sep 14, 20263.75%first recorded

DoverPhila Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.39%

119 Fillmore Ave, Dover, OH 44622 2061

Certificate Accounts - 18 Month Certificate

4.55% ▲ 1.65% above avg

View

▼

Rate4.45%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.65% above avg

Details

$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to maturity

Rate History

1 change since Oct 19, 2026 · 3.67% → 4.55% ▲ 0.88 pts · high 4.55% / low 3.67%

Oct 26, 20264.55%▲ from 3.67%
Oct 19, 20263.67%first recorded

Mid-America Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.02%

802 Ames St, Baldwin City, KS 66006

18 Month CD or IRA - Jumbo

$500

4.55% ▲ 1.65% above avg

View

▼

Rate4.50%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.65% above avg

Details

Jumbo CD; certificate balances $250,000 & above; rates only apply when additional qualifications are met

Rate History

1 change since Oct 14, 2026 · 4.04% → 4.55% ▲ 0.51 pts · high 4.55% / low 4.04%

Oct 20, 20264.55%▲ from 4.04%
Oct 14, 20264.04%first recorded

Carolina Trust Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.86%

2518 Main St, Conway, SC 29526 3365

18 Month Variable Rate IRA Certificate

4.54% ▲ 1.64% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 1.64% above avg

Details

Variable rate; IRA certificate; subject to change on the last Thursday of the month; subject to penalty for early withdrawal

Rate History

1 change since Sep 14, 2026 · 4.07% → 4.54% ▲ 0.47 pts · high 4.54% / low 4.07%

Oct 5, 20264.54%▲ from 4.07%
Sep 14, 20264.07%first recorded

Rio Grande Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.38%

301 Rio Bravo Blvd SE, Albuquerque, NM 87105

18 Month Share Certificate

$500

4.54% ▲ 1.64% above avg

View

▼

Rate4.45%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.64% above avg

Details

No additional details available.

Rate History

1 change since Sep 18, 2026 · 4.02% → 4.54% ▲ 0.52 pts · high 4.54% / low 4.02%

Sep 29, 20264.54%▲ from 4.02%
Sep 18, 20264.02%first recorded

Bankers Bank of the West

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1099 18th St, Denver, CO 80202

Fixed-rate Certificate of Deposit - 18 months

$50,000

4.51% ▲ 1.61% above avg

View

▼

Rate4.51%

Min Deposit$50,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.61% above avg

Details

Interest paid quarterly via ACH; withdrawal before maturity not permitted; Rates current as of October 1, 2026

Rate History

No change since Oct 20, 2026 · 4.51% APY · checked 3 times

Ally Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.00%

200 W Civic Center Dr, Sandy, UT 84070

18 Month High Yield CD

4.50% ▲ 1.60% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

No minimum deposit to open.

Rate History

3 changes since Sep 18, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%

Oct 26, 20264.50%▲ from 4.40%
Oct 20, 20264.40%▲ from 4.25%
Sep 24, 20264.25%▲ from 4.15%
Sep 18, 20264.15%first recorded

MapleMark Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

2431 E 61st St, Tulsa, OK 74136

18 Month CD

4.50% ▲ 1.60% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

Special Rates; Offer ends November 24; Online Consumer Offer Only; Online Only

Rate History

2 changes since Sep 18, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%

Oct 14, 20264.50%▲ from 4.40%
Sep 24, 20264.40%▲ from 4.30%
Sep 18, 20264.30%first recorded

First Oklahoma Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.71%

100 S Riverfront Dr, Jenks, OK 74037

18-month CD

4.50% ▲ 1.60% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

Annual Percentage Yield (APY) is accurate as of October 19, 2026. Minimum balance to open and obtain APY is $1,000. Early withdrawal penalties may apply.

Rate History

1 change since Oct 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%

Oct 20, 20264.50%▲ from 3.85%
Oct 14, 20263.85%first recorded

Finworth, a division of InsBank

Institution Rating:

A+5.0 ★Texas Ratio: 2.15%

2106 Crestmoor Rd, Nashville, TN 37215

18 Month Certificate of Deposit

$50,000

4.50% ▲ 1.60% above avg

View

▼

Rate4.50%

Min Deposit$50,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

Maximum deposit $240,000; APY accurate as of 10-07-2026; penalty may be imposed for early withdrawal

Rate History

2 changes since Oct 2, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%

Oct 26, 20264.50%▲ from 4.40%
Oct 14, 20264.40%▲ from 4.30%
Oct 2, 20264.30%first recorded

Armstrong County Building and Loan Association

Institution Rating:

A+5.0 ★Texas Ratio: 6.00%

935 5th Ave, Ford City, PA 16226

18 Month SEP IRA Certificate

4.50% ▲ 1.60% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

IRA opened BEFORE November 1st, 2002

Rate History

1 change since Sep 19, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%

Oct 14, 20264.50%▲ from 3.75%
Sep 19, 20263.75%first recorded

Community Bank of Marshall

Institution Rating:

A+5.0 ★Texas Ratio: 5.27%

227 N Lafayette St, Corder, MO 64021

IRA 18 Month Certificate

$500

4.50% ▲ 1.60% above avg

View

▼

Rate4.45%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

Compounds Semi-Annually

Rate History

1 change since Sep 14, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%

Oct 14, 20264.50%▲ from 4.35%
Sep 14, 20264.35%first recorded

CFG Bank

Institution Rating:

D3.3 ★Texas Ratio: 35.17%

11 W Ridgely Rd, Lutherville, MD 21093

18 Month CD Online and In Branch

$500

4.50% ▲ 1.60% above avg

View

▼

Rate4.41%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

No additional deposits after initial deposit.

Rate History

1 change since Sep 18, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%

Oct 7, 20264.50%▲ from 4.30%
Sep 18, 20264.30%first recorded

Sallie Mae

Institution Rating:

A+5.0 ★Texas Ratio: 4.70%

175 S West Temple, Salt Lake City, UT 84101

18 Month Certificate of Deposit

4.50% ▲ 1.60% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

Maintain a minimum balance of $2,500 in your CD to keep earning interest

Rate History

2 changes since Sep 18, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%

Oct 21, 20264.50%▲ from 4.40%
Sep 27, 20264.40%▲ from 4.30%
Sep 18, 20264.30%first recorded

Credit One Bank, N.A.

Institution Rating:

A5.0 ★Texas Ratio: 9.51%

6801 S Cimarron Rd, Las Vegas, NV 89113

18 Month High Yield Jumbo CD

$100,000

4.50% ▲ 1.60% above avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

Loyalty Rate: 0.05%; Earn Loyalty Rates when you renew your CD; Open An Account

Rate History

1 change since Sep 18, 2026 · 4.45% → 4.50% ▲ 0.05 pts · high 4.50% / low 4.45%

Oct 2, 20264.50%▲ from 4.45%
Sep 18, 20264.45%first recorded

Christian Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.21%

8171 E 10 Mile Rd, Center Line, MI 48015 1449

18 Month Certificate

4.50% ▲ 1.60% above avg

View

▼

Rate4.41%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

No additional details available.

Rate History

1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%

Sep 29, 20264.50%▲ from 4.10%
Sep 14, 20264.10%first recorded

Align Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.06%

87 Hale St, Lowell, MA 01851

1.5 Year CD

$500

4.50% ▲ 1.60% above avg

View

▼

Rate4.40%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

No additional details available.

Rate History

1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%

Oct 19, 20264.50%▲ from 4.10%
Sep 14, 20264.10%first recorded

Launch Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.61%

300 S Plumosa St, Merritt Island, FL 32952

Business Share Certificate - 18 Month

4.50% ▲ 1.60% above avg

View

▼

Rate4.41%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

No additional details available.

Rate History

No change since Oct 19, 2026 · 4.50% APY · checked 2 times

Suncoast Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.26%

6536 E Hillsborough Ave, Tampa, FL 33610

18 Month Jumbo Certificate

4.50% ▲ 1.60% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

Rate Type: Fixed

Rate History

No change since Sep 18, 2026 · 4.50% APY · checked 8 times

Community Resource Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.13%

2900 Decker Dr, Baytown, TX 77520 2076

18 Month CD

4.50% ▲ 1.60% above avg

View

▼

Rate4.40%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

No additional details available.

Rate History

1 change since Sep 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%

Oct 1, 20264.50%▲ from 3.85%
Sep 14, 20263.85%first recorded

Elements Financial Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.46%

639 S Delaware St, Indianapolis, IN 46225

IRA 18 Month Term

$1,000

4.50% ▲ 1.60% above avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

Traditional and Roth IRA; APY effective as of October 1, 2026

Rate History

No change since Oct 13, 2026 · 4.50% APY · checked 3 times

Salt City Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.13%

1753 Milton Ave, Solvay, NY 13209

18 Month Share Certificate

4.50% ▲ 1.60% above avg

View

▼

Rate4.42%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

Minimum balance $1,000; Penalty may apply for early withdrawal

Rate History

1 change since Sep 17, 2026 · 3.90% → 4.50% ▲ 0.60 pts · high 4.50% / low 3.90%

Oct 23, 20264.50%▲ from 3.90%
Sep 17, 20263.90%first recorded

Wasatch Peaks Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.78%

3012 S 1900 W, Ogden, UT 84401

18 Month Certificate

$500

4.50% ▲ 1.60% above avg

View

▼

Rate4.41%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

Paid Monthly

Rate History

1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%

Oct 13, 20264.50%▲ from 4.00%
Sep 14, 20264.00%first recorded

Syracuse Fire Department Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.25%

211 Wilkinson St, Syracuse, NY 13204

18-month Roth IRA TSC

$1,000

4.50% ▲ 1.60% above avg

View

▼

Rate4.41%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

Roth IRA; Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal

Rate History

1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%

Oct 12, 20264.50%▲ from 4.00%
Sep 12, 20264.00%first recorded

Landings Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.83%

2800 S Mill Ave, Tempe, AZ 85282

18-Month Special Certificate

$500

4.50% ▲ 1.60% above avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

Special certificate rate

Rate History

No change since Oct 13, 2026 · 4.50% APY · checked 3 times

BankNewport

Institution Rating:

A5.0 ★Texas Ratio: 7.77%

184 John Clarke Rd, Middletown, RI 02842

18 Month Personal CD Limited Time Offer

$1,000

4.50% ▲ 1.60% above avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

New Money Only; All funds must be new money (funds on deposit less than 30 days); Requires BankNewport personal checking account; Early withdrawal penalty applies

Rate History

No change since Oct 14, 2026 · 4.50% APY · checked 3 times

PARISHIONERS

Institution Rating:

B+4.7 ★Texas Ratio: 18.39%

2355 Crenshaw Blvd Ste 100, Torrance, CA 90501

18-Month Certificate

4.50% ▲ 1.60% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

Limited time only; Earn up to 4.50% APY

Rate History

No change since Oct 14, 2026 · 4.50% APY · checked 4 times

TruService Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.95%

11001 Hermitage Rd, LIttle Rock, AR 72211

18 Month Jumbo Share and IRA Certificate - Fixed

$100,000

4.50% ▲ 1.60% above avg

View

▼

Rate4.43%

Min Deposit$100,000

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

Promotional rate for a limited time on new money only; contact us for restrictions

Rate History

No change since Oct 13, 2026 · 4.50% APY · checked 3 times

North Star Community Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 13.82%

109 Central Ave N, Maddock, ND 58348

Youth 18 Month

$100

4.50% ▲ 1.60% above avg

View

▼

Rate4.45%

Min Deposit$100

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

Must be under 18 to open. Allows add-ons & withdrawals (Min +/- $100) & a 1-time rate bump (must provide report card). MAXIMUM DEPOSIT OF $10,000.00, LIMIT ONE PER MEMBER; Effective Date: September 1, 2026

Rate History

No change since Sep 14, 2026 · 4.50% APY · checked 5 times

Empower Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.78%

15 E Genesee St, Baldwinsville, NY 13027 2534

Share Certificate - 18 Month

4.50% ▲ 1.60% above avg

View

▼

Rate4.40%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

Balance: $500-$2,499.99 - Tier 1

Rate History

No change since Oct 22, 2026 · 4.50% APY · checked 2 times

Cranberry Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.35%

2203 Cranberry Hwy, West Wareham, MA 02576 1210

18-Month Traditional/Roth IRA CD

$500

4.49% ▲ 1.59% above avg

View

▼

Rate4.40%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 1.59% above avg

Details

No additional details available.

Rate History

1 change since Sep 14, 2026 · 4.02% → 4.49% ▲ 0.47 pts · high 4.49% / low 4.02%

Sep 29, 20264.49%▲ from 4.02%
Sep 14, 20264.02%first recorded

Lake Shore Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.23%

128 E 4th St, Dunkirk, NY 14048

18-Month CD

$500

4.44% ▲ 1.54% above avg

View

▼

Rate4.34%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.54% above avg

Details

New money only; financial institutions ineligible

Rate History

No change since Oct 14, 2026 · 4.44% APY · checked 4 times

Unity Bank

Institution Rating:

A5.0 ★Texas Ratio: 9.27%

64 Old Highway 22, Clinton, NJ 08809

18 Month CD Promo

$1,000

4.40% ▲ 1.50% above avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.50% above avg

Details

Promotion offer valid beginning September 28, 2026; Available for consumer, business, and IRA/Retirement CDs (Business and IRA/Retirement CDs must be opened in branch); Minimum deposit of $1000; Rates effective as of 9/28/2026

Rate History

No change since Oct 20, 2026 · 4.40% APY · checked 2 times

St Marys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.47%

46 Lizotte Dr, Marlborough, MA 01752 3061

18 Month Relationship Jumbo Certificate & IRA

$100,000

4.40% ▲ 1.50% above avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.50% above avg

Details

Featured Rates; Dividend Rate 4.25%; Relationship Jumbo

Rate History

No change since Oct 26, 2026 · 4.40% APY

St Marys Bank Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

200 McGregor St, Manchester, NH 03102

18-Month Promo CD

$500

4.35% ▲ 1.45% above avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.45% above avg

Details

Guaranteed rate; minimum deposit of $500 required to open the account and earn the stated APY

Rate History

No change since Oct 9, 2026 · 4.35% APY · checked 4 times

Franklin Mint Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.91%

5 Hillman Dr, Chadds Ford, PA 19317

Certificate - 18 MONTH

4.35% ▲ 1.45% above avg

View

▼

Rate4.26%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 1.45% above avg

Details

Minimum deposit $500 consumers, $1,000 business/organizational, $250 under 18; penalty may be imposed for early withdrawal

Rate History

No change since Oct 13, 2026 · 4.35% APY · checked 3 times

24 Month CD Rates

MonitorBankRates National Average · 24 Month CD2.90% APY▼ 0.01% from last week

View 24-month CD rate trend

The national average 24-month CD rate is 2.90% APY as of October 27, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Tower Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

7901 Sandy Spring Rd, Laurel, MD 20707

2 Year Regular IRA Share Certificate

$500

5.20% ▲ 2.30% above avg

View

▼

Rate5.07%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 2.30% above avg

Details

No additional details available.

Rate History

No change since Oct 19, 2026 · 5.20% APY · checked 2 times

Northern New Mexico School Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.64%

614 Alta Vista St, Santa Fe, NM 87505

24-Month Share Certificate SPECIAL RATE

$500

5.12% ▲ 2.22% above avg

View

▼

Rate5.00%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 2.22% above avg

Details

No additional details available.

Rate History

No change since Oct 12, 2026 · 5.12% APY · checked 3 times

Morgan Stanley

Institution Rating:

A+5.0 ★Texas Ratio: 2.86%

201 S Main St Fl 5, Salt Lake City, UT 84111

24 Month Preferred Certificate of Deposit (CD)

$1,000

5.05% ▲ 2.15% above avg

View

▼

Rate5.05%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 2.15% above avg

Details

Available through Morgan Stanley Private Banking Group; deposits in increments of $1,000; maximum $50,000,000

Rate History

1 change since Oct 14, 2026 · 5.00% → 5.05% ▲ 0.05 pts · high 5.05% / low 5.00%

Oct 26, 20265.05%▲ from 5.00%
Oct 14, 20265.00%first recorded

Cornerstone Community Federal Credit Union

Institution Rating:

B+4.8 ★Texas Ratio: 17.18%

55 Stevens St, Lockport, NY 14094 4229

2 Year Youth Share Certificate

5.00% ▲ 2.10% above avg

View

▼

Rate4.88%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 2.10% above avg

Details

Balance: $50 - $5,000; Effective as of June 15, 2026

Rate History

No change since Oct 5, 2026 · 5.00% APY · checked 5 times

Toyota Financial Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.12%

2485 Village View Dr, Henderson, NV 89074

24 Month CD

4.99% ▲ 2.09% above avg

View

▼

Rate4.90%

Min Deposit$1

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 2.09% above avg

Details

Interest rate and APY are fixed for the initial term; early withdrawal penalty applies

Rate History

No change since Oct 21, 2026 · 4.99% APY · checked 2 times

Merrick Bank

Institution Rating:

B+4.7 ★Texas Ratio: 18.99%

10705 S Jordan Gtwy, South Jordan, UT 84095

24 Month High Yield Certificates of Deposit

$25,000

4.91% ▲ 2.01% above avg

View

▼

Rate4.79%

Min Deposit$25,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 2.01% above avg

Details

APY current as of 10/21/2026; single-transaction minimum deposit

Rate History

No change since Oct 22, 2026 · 4.91% APY · checked 2 times

Peoples First Savings Bank

Institution Rating:

B4.6 ★Texas Ratio: 20.46%

225 Reading Rd, Mason, OH 45040

24 Month IRA (Variable)

$100

4.91% ▲ 2.01% above avg

View

▼

Rate4.79%

Min Deposit$100

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 2.01% above avg

Details

IRA certificate; rate may change monthly (1st of each month) and follows the most recent two-year Treasury bill auction

Rate History

1 change since Sep 11, 2026 · 4.29% → 4.91% ▲ 0.62 pts · high 4.91% / low 4.29%

Oct 3, 20264.91%▲ from 4.29%
Sep 11, 20264.29%first recorded

Raymond James Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.19%

710 Carillon Pkwy, Saint Petersburg, FL 33716

Certificate of Deposit - 24 Months

$1,000

4.90% ▲ 2.00% above avg

View

▼

Rate4.78%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.90%▲ 2.00% above avg

Details

Minimum opening deposit $2,000 if purchased through Raymond James brokerage account; rates effective October 16, 2026

Rate History

No change since Oct 20, 2026 · 4.90% APY · checked 2 times

5Star Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.98%

104 S Cascade Ave, Colorado Springs, CO 80903

24 Month Variable IRA

$250

4.86% ▲ 1.96% above avg

View

▼

Rate4.75%

Min Deposit$250

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.90%▲ 1.96% above avg

Details

Variable IRA rate; indexed to Treasury securities

Rate History

1 change since Sep 14, 2026 · 4.39% → 4.86% ▲ 0.47 pts · high 4.86% / low 4.39%

Oct 11, 20264.86%▲ from 4.39%
Sep 14, 20264.39%first recorded

Gulf Capital Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.09%

1 Riverway, Houston, TX 77056

Jumbo Certificates of Deposit - 24 Months

$250,000

4.86% ▲ 1.96% above avg

View

▼

Rate4.75%

Min Deposit$250,000

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.90%▲ 1.96% above avg

Details

Balance: over $250,000.00; Interest compounded and credited monthly

Rate History

1 change since Sep 14, 2026 · 4.49% → 4.86% ▲ 0.37 pts · high 4.86% / low 4.49%

Oct 8, 20264.86%▲ from 4.49%
Sep 14, 20264.49%first recorded

Hope Federal Credit Union Jackson, MS

Institution Rating:

A5.0 ★Texas Ratio: 7.78%

1451 Madison Ave, Memphis, TN 38104

24 Month Jumbo Share Certificates (CDs)

$1,000

4.82% ▲ 1.92% above avg

View

▼

Rate4.71%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.92% above avg

Details

Jumbo rate; standard jumbo rates available on deposits of $95,000 or more

Rate History

1 change since Sep 18, 2026 · 4.28% → 4.82% ▲ 0.54 pts · high 4.82% / low 4.28%

Oct 9, 20264.82%▲ from 4.28%
Sep 18, 20264.28%first recorded

National Police Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.12%

1407 W Washington Blvd, Chicago, IL 60607 1820

24-Month IRA

4.81% ▲ 1.91% above avg

View

▼

Rate4.70%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 1.91% above avg

Details

No additional details available.

Rate History

1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%

Oct 8, 20264.81%▲ from 4.34%
Sep 16, 20264.34%first recorded

Morgan Stanley E-Trade

Institution Rating:

A4.8 ★Texas Ratio: 2.45%

2000 Westchester Ave, Purchase, NY 10577

24 Month Certificate of Deposit

4.80% ▲ 1.90% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 1.90% above avg

Details

FDIC insurance: at least $250,000

Rate History

1 change since Oct 8, 2026 · 4.40% → 4.80% ▲ 0.40 pts · high 4.80% / low 4.40%

Oct 22, 20264.80%▲ from 4.40%
Oct 8, 20264.40%first recorded

Popular Direct

Institution Rating:

A+5.0 ★Texas Ratio: 2.12%

1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179

Certificate of Deposit - 24 Months

4.80% ▲ 1.90% above avg

View

▼

Rate4.69%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.90% above avg

Details

No additional details available.

Rate History

No change since Oct 26, 2026 · 4.80% APY

Dakota Community Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 0.58%

2284 3rd St W, Dickinson, ND 58601

24 Month CD

$50,000

4.80% ▲ 1.90% above avg

View

▼

Rate4.80%

Min Deposit$50,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.90% above avg

Details

Balance: $500,00.00 and over

Rate History

4 changes since Sep 8, 2026 · 4.30% → 4.80% ▲ 0.50 pts · high 5.00% / low 4.30%

Oct 26, 20264.80%▼ from 4.90%
Oct 20, 20264.90%▼ from 5.00%
Oct 2, 20265.00%▲ from 4.80%
Sep 18, 20264.80%▲ from 4.30%

First Jackson Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.03%

43243 Us Highway 72, Stevenson, AL 35772

24 Month Certificate of Deposit

4.75% ▲ 1.85% above avg

View

▼

Rate4.75%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.85% above avg

Details

No additional details available.

Rate History

1 change since Sep 14, 2026 · 2.90% → 4.75% ▲ 1.85 pts · high 4.75% / low 2.90%

Oct 26, 20264.75%▲ from 2.90%
Sep 14, 20262.90%first recorded

Barclays Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.21%

125 S West St, Wilmington, DE 19801

Online CD - 24 Months

4.75% ▲ 1.85% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.85% above avg

Details

No additional details available.

Rate History

No change since Oct 20, 2026 · 4.75% APY · checked 2 times

Library Of Congress Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.72%

101 Independence Ave SE Rm 634, Washington, DC 20540 0002

24 Month Monthly Dividend Certificate

4.75% ▲ 1.85% above avg

View

▼

Rate4.65%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 1.85% above avg

Details

$5,000 minimum balance required; Computed daily from day of deposit to the day of withdrawal, paid and compounded monthly

Rate History

1 change since Oct 15, 2026 · 4.39% → 4.75% ▲ 0.36 pts · high 4.75% / low 4.39%

Oct 23, 20264.75%▲ from 4.39%
Oct 15, 20264.39%first recorded

Ironworkers USA Federal Credit Union

Institution Rating:

B4.6 ★Texas Ratio: 20.11%

11620 NE Ainsworth Cir, Portland, OR 97220

Share Certificate - 24 Month

4.75% ▲ 1.85% above avg

View

▼

Rate4.67%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 1.85% above avg

Details

No additional details available.

Rate History

No change since Oct 15, 2026 · 4.75% APY · checked 2 times

American Baptist Association Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

21103 Chenango Lake Dr, Angleton, TX 77515

24 Month Share Certificate

4.75% ▲ 1.85% above avg

View

▼

Rate4.75%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.85% above avg

Details

Balance: $100,000+; Early withdrawal fees may apply

Rate History

No change since Sep 14, 2026 · 4.75% APY · checked 7 times

Italo American Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

6652 Myrtle Ave, Glendale, NY 11385 7057

2 Year Regular IRA And Roth IRA CD

4.75% ▲ 1.85% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.85% above avg

Details

No additional details available.

Rate History

No change since Oct 19, 2026 · 4.75% APY · checked 2 times

FreeStar Financial Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.11%

37570 S Gratiot Ave, Clinton Township, MI 48036

2 Year Two Year CD - Military

4.75% ▲ 1.85% above avg

View

▼

Rate4.65%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.85% above avg

Details

Military rate: 1% rate increase for Qualified Military Members (Active Duty, Veterans, Retirees); requires full direct deposit of $2,000 or more into checking; military status verification required

Rate History

No change since Oct 26, 2026 · 4.75% APY

First Northern Bank and Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 5.78%

4th Street And Lafayette Avenue, Palmerton, PA 18071

2 Year (24 Month) Adjustable CD

$5,000

4.73% ▲ 1.83% above avg

View

▼

Rate4.65%

Min Deposit$5,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.83% above avg

Details

Adjustable rate; Open account in person; see Determination of Rate and Schedule of Service Fees

Rate History

1 change since Sep 19, 2026 · 4.29% → 4.73% ▲ 0.44 pts · high 4.73% / low 4.29%

Oct 7, 20264.73%▲ from 4.29%
Sep 19, 20264.29%first recorded

Seven Seventeen Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.64%

3181 Larchmont Ave NE, Warren, OH 44483 2435

Jumbo Certificate - 24 Month

4.70% ▲ 1.80% above avg

View

▼

Rate4.60%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.80% above avg

Details

Jumbo certificate bonus: balance of $250,000 or more; additional 0.25% APY tier

Rate History

2 changes since Sep 14, 2026 · 3.80% → 4.70% ▲ 0.90 pts · high 4.70% / low 3.80%

Oct 19, 20264.70%▲ from 4.55%
Oct 9, 20264.55%▲ from 3.80%
Sep 14, 20263.80%first recorded

DoverPhila Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.39%

119 Fillmore Ave, Dover, OH 44622 2061

Certificate Accounts - 24 Month Certificate

4.66% ▲ 1.76% above avg

View

▼

Rate4.55%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.76% above avg

Details

$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to maturity

Rate History

1 change since Oct 19, 2026 · 3.67% → 4.66% ▲ 0.99 pts · high 4.66% / low 3.67%

Oct 26, 20264.66%▲ from 3.67%
Oct 19, 20263.67%first recorded

Leader Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.22%

141 Massachusetts Ave, Arlington, MA 02474

24-Month CD

4.65% ▲ 1.75% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.75% above avg

Details

Exclusive High-Yield CD Offer; Rate effective as of 26 October, 2026

Rate History

1 change since Sep 18, 2026 · 4.15% → 4.65% ▲ 0.50 pts · high 4.65% / low 4.15%

Oct 26, 20264.65%▲ from 4.15%
Sep 18, 20264.15%first recorded

TUCSON

Institution Rating:

A+5.0 ★Texas Ratio: 5.69%

1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023

Share/IRA Certificate 2 Year

4.65% ▲ 1.75% above avg

View

▼

Rate4.55%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.75% above avg

Details

IRA certificate rates apply to Traditional IRA Certificates and Roth IRA Certificates

Rate History

No change since Oct 6, 2026 · 4.65% APY · checked 2 times

Serve Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.05%

423 E Court Ave, Des Moines, IA 50309 2010

24 Month Youth Mini Certificates of Deposit

4.65% ▲ 1.75% above avg

View

▼

Rate4.55%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.75% above avg

Details

Balance: $250 - $1,000; Members ages 17 and under; Rates effective 10/1/2026

Rate History

1 change since Sep 14, 2026 · 3.97% → 4.65% ▲ 0.68 pts · high 4.65% / low 3.97%

Oct 9, 20264.65%▲ from 3.97%
Sep 14, 20263.97%first recorded

Fremont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.36%

315 Croghan St, Fremont, OH 43420 3013

Share Certificates - 24 Month

4.60% ▲ 1.70% above avg

View

▼

Rate4.51%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 1.70% above avg

Details

Type of Certificate: Regular/IRA; Dividends compound & paid: Daily

Rate History

1 change since Sep 14, 2026 · 4.16% → 4.60% ▲ 0.44 pts · high 4.60% / low 4.16%

Oct 12, 20264.60%▲ from 4.16%
Sep 14, 20264.16%first recorded

NORTHERN SKIES

Institution Rating:

A5.0 ★Texas Ratio: 6.09%

1001 E Benson Blvd, Anchorage, AK 99508

24-Month IRA Share Certificate

4.60% ▲ 1.70% above avg

View

▼

Rate4.52%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.70% above avg

Details

Balance: $100,000 and over; Dividends compounded quarterly

Rate History

No change since Sep 22, 2026 · 4.60% APY · checked 8 times

HSBC Trust Company (Delaware)

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

300 Delaware Ave Ste 1401, Wilmington, DE 19801

New Money CD - 24 Month

$1,000

4.60% ▲ 1.70% above avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.90%▲ 1.70% above avg

Details

Online Only; Minimum balance to open account online: $1,000; Balance: More than $0

Rate History

No change since Oct 14, 2026 · 4.60% APY · checked 2 times

HSBC Bank USA

Institution Rating:

A+5.0 ★Texas Ratio: 4.86%

66 Hudson Blvd E, New York, NY 10001

New Money CD - 24 Month

$1,000

4.60% ▲ 1.70% above avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.70% above avg

Details

Minimum balance to open account online: $1,000; Opened online; Not available to business customers

Rate History

No change since Oct 20, 2026 · 4.60% APY · checked 2 times

Scott Associates Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.90%

14111 Scottslawn Rd, Marysville, OH 43040

IRA Certificates - 24 Month

$500

4.59% ▲ 1.69% above avg

View

▼

Rate4.50%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.69% above avg

Details

Minimum deposit of $500 required.

Rate History

1 change since Sep 14, 2026 · 3.71% → 4.59% ▲ 0.88 pts · high 4.59% / low 3.71%

Oct 26, 20264.59%▲ from 3.71%
Sep 14, 20263.71%first recorded

Ridgewood Savings Bank

Institution Rating:

A5.0 ★Texas Ratio: 9.37%

7102 Forest Ave, Ridgewood, NY 11385

2-Year Treasury Indexed CD

4.59% ▲ 1.69% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.69% above avg

Details

TOP THE TREASURY; variable yield account with no cap; risk-free

Rate History

No change since Sep 18, 2026 · 4.59% APY · checked 8 times

Members 1st Credit Union Saint Louis, MO

Institution Rating:

A+5.0 ★Texas Ratio: 1.59%

4702 Mattis Rd, Saint Louis, MO 63128

75th Anniversary Certificates of Deposit 24 Month

$7,500

4.58% ▲ 1.68% above avg

View

▼

Rate—

Min Deposit$7,500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.68% above avg

Details

Effective date 10/1/26

Rate History

No change since Oct 19, 2026 · 4.58% APY · checked 2 times

American State Bank (TX)

Institution Rating:

B-4.4 ★Texas Ratio: 22.39%

102 W Front, Arp, TX 75750

CDs/IRAs - Jumbo & Above - 24 Month Jumbo

$100,000

4.56% ▲ 1.66% above avg

View

▼

Rate4.47%

Min Deposit$100,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.66% above avg

Details

$100,000; Minimum to open and obtain APY is $100,000; Rates are fixed, compounded monthly; Available for personal and business accounts; Interest rates effective 10/19/2026

Rate History

1 change since Oct 14, 2026 · 3.59% → 4.56% ▲ 0.97 pts · high 4.56% / low 3.59%

Oct 20, 20264.56%▲ from 3.59%
Oct 14, 20263.59%first recorded

Finworth, a division of InsBank

Institution Rating:

A+5.0 ★Texas Ratio: 2.15%

2106 Crestmoor Rd, Nashville, TN 37215

2 Year Certificate of Deposit

$50,000

4.55% ▲ 1.65% above avg

View

▼

Rate4.55%

Min Deposit$50,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.65% above avg

Details

Maximum deposit $240,000; APY accurate as of 10-07-2026; penalty may be imposed for early withdrawal

Rate History

2 changes since Oct 2, 2026 · 4.35% → 4.55% ▲ 0.20 pts · high 4.55% / low 4.35%

Oct 26, 20264.55%▲ from 4.45%
Oct 14, 20264.45%▲ from 4.35%
Oct 2, 20264.35%first recorded

Bankers Bank of the West

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

1099 18th St, Denver, CO 80202

Fixed-rate Certificate of Deposit - 24 months

$50,000

4.55% ▲ 1.65% above avg

View

▼

Rate4.55%

Min Deposit$50,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.65% above avg

Details

Interest paid quarterly via ACH; withdrawal before maturity not permitted; Rates current as of October 1, 2026

Rate History

No change since Oct 20, 2026 · 4.55% APY · checked 3 times

Global Bank

Institution Rating:

D3.4 ★Texas Ratio: 33.77%

8 Catherine St, New York, NY 10038

Certificate of Deposit - 2-year

$1,000

4.55% ▲ 1.65% above avg

View

▼

Rate4.45%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.90%▲ 1.65% above avg

Details

Amount: $1,000.00 and up

Rate History

No change since Oct 14, 2026 · 4.55% APY · checked 2 times

Mid-America Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.02%

802 Ames St, Baldwin City, KS 66006

24 Month CD or IRA - Jumbo

$500

4.55% ▲ 1.65% above avg

View

▼

Rate4.50%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.65% above avg

Details

Jumbo CD; certificate balances $250,000 & above; rates only apply when additional qualifications are met

Rate History

1 change since Oct 14, 2026 · 4.04% → 4.55% ▲ 0.51 pts · high 4.55% / low 4.04%

Oct 20, 20264.55%▲ from 4.04%
Oct 14, 20264.04%first recorded

Northeast Bank Portland, ME

Institution Rating:

A+5.0 ★Texas Ratio: 5.03%

27 Pearl St, Portland, ME 04101

Propel Relationship CDs - 2 Year CD

$5,000

4.55% ▲ 1.65% above avg

View

▼

Rate4.46%

Min Deposit$5,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.65% above avg

Details

Rate History

1 change since Sep 18, 2026 · 3.40% → 4.55% ▲ 1.15 pts · high 4.55% / low 3.40%

Oct 20, 20264.55%▲ from 3.40%
Sep 18, 20263.40%first recorded

GECU Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.55%

7227 Viscount Blvd, El Paso, TX 79925

Personal Smart-Step Certificate Account IRA (Variable rate) - 24-month Jumbo

$50,000

4.54% ▲ 1.64% above avg

View

▼

Rate4.45%

Min Deposit$50,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.64% above avg

Details

Senior Privilege Accounts; Jumbo tier; APY (Annual/Maturity Crediting): N/A

Rate History

No change since Oct 22, 2026 · 4.54% APY · checked 2 times

Homeland Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.83%

310 Caldwell St, Chillicothe, OH 45601

24 Month Share and IRA Jumbo Certificates

4.54% ▲ 1.64% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.64% above avg

Details

APY = Annual Percentage Yield; Penalties may be charged for early withdrawals

Rate History

No change since Oct 19, 2026 · 4.54% APY · checked 2 times

Consumers Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.55%

425 Neptune Ave, Brooklyn, NY 11224 4559

2 Year Certificate

$500

4.53% ▲ 1.63% above avg

View

▼

Rate4.45%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 1.63% above avg

Details

Early withdrawal penalty: 180 days simple interest

Rate History

No change since Oct 5, 2026 · 4.53% APY · checked 4 times

Capital Area Realtors Federal Credit Union

Institution Rating:

A-5.0 ★Texas Ratio: 15.32%

15201 Diamondback Dr, Rockville, MD 20850 3312

Certificate of Deposit (CD) - 24 Months

4.52% ▲ 1.62% above avg

View

▼

Rate4.45%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 1.62% above avg

Details

No additional details available.

Rate History

6 changes since Sep 14, 2026 · 4.52% → 4.52% ▼ 0.00 pts · high 4.52% / low 4.45%

Oct 13, 20264.52%▲ from 4.45%
Oct 5, 20264.45%▼ from 4.52%
Sep 29, 20264.52%▲ from 4.45%
Sep 25, 20264.45%▼ from 4.52%

MapleMark Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

2431 E 61st St, Tulsa, OK 74136

24 Month CD

4.50% ▲ 1.60% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

Special Rates; Offer ends November 24; Online Consumer Offer Only; Online Only

Rate History

2 changes since Sep 18, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%

Oct 14, 20264.50%▲ from 4.40%
Sep 24, 20264.40%▲ from 4.30%
Sep 18, 20264.30%first recorded

City National Bank of Florida

Institution Rating:

A5.0 ★Texas Ratio: 7.12%

1995 E Hallandale Beach Blvd, Hallandale, FL 33009

24-month online CD

$25,000

4.50% ▲ 1.60% above avg

View

▼

Rate4.40%

Min Deposit$25,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

Online Only; Open 24 mo. CD; $25,000 minimum deposit to open and earn APY; maximum $1,000,000 per client; rates effective September 30, 2026

Rate History

1 change since Sep 18, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%

Oct 2, 20264.50%▲ from 3.75%
Sep 18, 20263.75%first recorded

Sallie Mae

Institution Rating:

A+5.0 ★Texas Ratio: 4.70%

175 S West Temple, Salt Lake City, UT 84101

24 Month Certificate of Deposit

4.50% ▲ 1.60% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

Maintain a minimum balance of $2,500 in your CD to keep earning interest

Rate History

2 changes since Sep 18, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%

Oct 21, 20264.50%▲ from 4.40%
Sep 27, 20264.40%▲ from 4.35%
Sep 18, 20264.35%first recorded

The Bank of New Glarus

Institution Rating:

A-5.0 ★Texas Ratio: 15.01%

5800 Phillips Street, Gratiot, WI 53541

24 Month CD/IRA

$2,000

4.50% ▲ 1.60% above avg

View

▼

Rate4.43%

Min Deposit$2,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

Special rate; Annual Percentage Yield accurate as of September 17, 2026

Rate History

No change since Sep 19, 2026 · 4.50% APY · checked 11 times

Rockland Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.09%

241 Union St, Rockland, MA 02370

Share Certificate - 2 Year

4.50% ▲ 1.60% above avg

View

▼

Rate4.41%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

Compounding: Monthly

Rate History

No change since Oct 23, 2026 · 4.50% APY

Deseret First Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.76%

3999 W Parkway Blvd, West Valley City, UT 84120

Jumbo Share Certificate - 24 Months

4.50% ▲ 1.60% above avg

View

▼

Rate4.40%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

Minimum balance $75,000 to earn advertised APY

Rate History

1 change since Sep 17, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%

Oct 19, 20264.50%▲ from 4.25%
Sep 17, 20264.25%first recorded

Christian Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.21%

8171 E 10 Mile Rd, Center Line, MI 48015 1449

24 Month Certificate

4.50% ▲ 1.60% above avg

View

▼

Rate4.41%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

No additional details available.

Rate History

2 changes since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%

Sep 29, 20264.50%▲ from 4.40%
Sep 22, 20264.40%▲ from 4.20%
Sep 18, 20264.20%first recorded

BankNewport

Institution Rating:

A5.0 ★Texas Ratio: 7.77%

184 John Clarke Rd, Middletown, RI 02842

24 Month Personal CD Limited Time Offer

$1,000

4.50% ▲ 1.60% above avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

New Money Only; All funds must be new money (funds on deposit less than 30 days); Requires BankNewport personal checking account; Early withdrawal penalty applies

Rate History

No change since Oct 14, 2026 · 4.50% APY · checked 3 times

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.28%

519 Main St, Kewaunee, WI 54216

Relationship CD - 24 Month

$2,500

4.50% ▲ 1.60% above avg

View

▼

Rate4.43%

Min Deposit$2,500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open

Rate History

1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%

Sep 24, 20264.50%▲ from 4.15%
Sep 14, 20264.15%first recorded

Utah Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.78%

360 W 4800 N, Provo, UT 84604

Standard Certificate - 24 Months

$500

4.50% ▲ 1.60% above avg

View

▼

Rate4.41%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.60% above avg

Details

Personal and Business minimum deposit $500 (Youth $10)

Rate History

1 change since Oct 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%

Oct 26, 20264.50%▲ from 4.30%
Oct 14, 20264.30%first recorded

Chief Financial Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.98%

790 Joslyn Ave, Pontiac, MI 48340 2918

24 Month Share Certificate

4.45% ▲ 1.55% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.90%▲ 1.55% above avg

Details

Special CD/Share Certificate Rates; Only new funds eligible for promotional rate. Qualifications apply.

Rate History

No change since Oct 8, 2026 · 4.45% APY · checked 2 times

Members First Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.31%

120 E 1000 S, Brigham City, UT 84302 4357

Youth Certificate - 2 Year CD

4.45% ▲ 1.55% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.55% above avg

Details

Dividend Pays: Quarterly; $50,000 max per account; Must be 25 years old or younger; No bump option on Youth Certificates; Penalties for withdrawing funds before the end of the designated term may apply

Rate History

1 change since Oct 13, 2026 · 4.20% → 4.45% ▲ 0.25 pts · high 4.45% / low 4.20%

Oct 26, 20264.45%▲ from 4.20%
Oct 13, 20264.20%first recorded

Rhinebeck Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.51%

6414 Montgomery St, Rhinebeck, NY 12572

2-Year CD - Promo

$2,000

4.40% ▲ 1.50% above avg

View

▼

Rate4.31%

Min Deposit$2,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.50% above avg

Details

Promotional product, can be discontinued at any time; New York State residents only; early withdrawal penalty may apply

Rate History

No change since Sep 24, 2026 · 4.40% APY · checked 7 times

Dfcu Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.86%

400 Town Center Dr, Dearborn, MI 48126

2 year Business Share Certificates

4.40% ▲ 1.50% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.50% above avg

Details

Balance: $1,000 to $24,999

Rate History

No change since Oct 13, 2026 · 4.40% APY · checked 3 times

American Bank and Trust Company, N.A.

Institution Rating:

A5.0 ★Texas Ratio: 7.06%

3730 18th Ave, Rock Island, IL 61201

24 Month Certificate of Deposit - Diamond

$500

4.35% ▲ 1.45% above avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.90%▲ 1.45% above avg

Details

Relationship Package Qualifications apply; Early withdrawal penalty may be imposed

Rate History

No change since Oct 14, 2026 · 4.35% APY · checked 4 times

36 Month CD Rates

MonitorBankRates National Average · 36 Month CD2.81% APY▼ 0.01% from last week

View 36-month CD rate trend

The national average 36-month CD rate is 2.81% APY as of October 27, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Morgan Stanley

Institution Rating:

A+5.0 ★Texas Ratio: 2.86%

201 S Main St Fl 5, Salt Lake City, UT 84111

36 Month Preferred Certificate of Deposit (CD)

$1,000

5.15% ▲ 2.34% above avg

View

▼

Rate5.15%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 2.34% above avg

Details

Available through Morgan Stanley Private Banking Group; deposits in increments of $1,000; maximum $50,000,000

Rate History

1 change since Oct 14, 2026 · 5.10% → 5.15% ▲ 0.05 pts · high 5.15% / low 5.10%

Oct 26, 20265.15%▲ from 5.10%
Oct 14, 20265.10%first recorded

1st Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.97%

1000 W Wisconsin St, Sparta, WI 54656 2230

36-MONTH TEEN CERTIFICATE SPECIAL

$500

5.13% ▲ 2.32% above avg

View

▼

Rate5.00%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 2.32% above avg

Details

Ages: 13-15; For ages 13-15 years old; Maximum deposit $10,000

Rate History

No change since Sep 14, 2026 · 5.13% APY · checked 9 times

Toyota Financial Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.12%

2485 Village View Dr, Henderson, NV 89074

36 Month CD

5.10% ▲ 2.29% above avg

View

▼

Rate5.00%

Min Deposit$1

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 2.29% above avg

Details

Interest rate and APY are fixed for the initial term; early withdrawal penalty applies

Rate History

No change since Oct 21, 2026 · 5.10% APY · checked 2 times

Explorers Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.06%

1501 Walnut ST, Springfield, SD 57062

36 Month Youth Certificate

$100

5.10% ▲ 2.29% above avg

View

▼

Rate5.00%

Min Deposit$100

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.81%▲ 2.29% above avg

Details

Special youth certificate for members under 21; Maximum deposit: $500

Rate History

No change since Oct 22, 2026 · 5.10% APY · checked 2 times

Raymond James Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.19%

710 Carillon Pkwy, Saint Petersburg, FL 33716

Certificate of Deposit - 36 Months

$1,000

5.05% ▲ 2.24% above avg

View

▼

Rate4.93%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.81%▲ 2.24% above avg

Details

Minimum opening deposit $2,000 if purchased through Raymond James brokerage account; rates effective October 16, 2026

Rate History

No change since Oct 20, 2026 · 5.05% APY · checked 2 times

First National Bank of Michigan

Institution Rating:

A5.0 ★Texas Ratio: 7.32%

348 W Michigan Ave, Kalamazoo, MI 49007

3-Year Rising Rate Certificate of Deposit

$10,000

5.00% ▲ 2.19% above avg

View

▼

Rate4.89%

Min Deposit$10,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 2.19% above avg

Details

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

Rate History

1 change since Sep 8, 2026 · 3.97% → 5.00% ▲ 1.03 pts · high 5.00% / low 3.97%

Sep 24, 20265.00%▲ from 3.97%
Sep 8, 20263.97%first recorded

Family Trust Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.53%

225 White St W, Rock Hill, SC 29730 4039

36 Month IRA Certificate

$500

5.00% ▲ 2.19% above avg

View

▼

Rate4.91%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.81%▲ 2.19% above avg

Details

Min. balance to earn APY: $100,000

Rate History

2 changes since Sep 14, 2026 · 4.20% → 5.00% ▲ 0.80 pts · high 5.00% / low 4.20%

Oct 9, 20265.00%▲ from 4.25%
Oct 5, 20264.25%▲ from 4.20%
Sep 14, 20264.20%first recorded

5Star Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.98%

104 S Cascade Ave, Colorado Springs, CO 80903

36 Month Variable IRA

$250

4.96% ▲ 2.15% above avg

View

▼

Rate4.85%

Min Deposit$250

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.81%▲ 2.15% above avg

Details

Variable IRA rate; indexed to Treasury securities

Rate History

1 change since Sep 14, 2026 · 4.44% → 4.96% ▲ 0.52 pts · high 4.96% / low 4.44%

Oct 11, 20264.96%▲ from 4.44%
Sep 14, 20264.44%first recorded

Gulf Capital Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.09%

1 Riverway, Houston, TX 77056

Jumbo Certificates of Deposit - 36 Months

$250,000

4.96% ▲ 2.15% above avg

View

▼

Rate4.85%

Min Deposit$250,000

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.81%▲ 2.15% above avg

Details

Balance: over $250,000.00; Interest compounded and credited monthly

Rate History

1 change since Sep 14, 2026 · 4.54% → 4.96% ▲ 0.42 pts · high 4.96% / low 4.54%

Oct 8, 20264.96%▲ from 4.54%
Sep 14, 20264.54%first recorded

Hope Federal Credit Union Jackson, MS

Institution Rating:

A5.0 ★Texas Ratio: 7.78%

1451 Madison Ave, Memphis, TN 38104

36 Month Jumbo Share Certificates (CDs)

$1,000

4.93% ▲ 2.12% above avg

View

▼

Rate4.81%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 2.12% above avg

Details

Jumbo rate; standard jumbo rates available on deposits of $95,000 or more

Rate History

1 change since Sep 18, 2026 · 4.35% → 4.93% ▲ 0.57 pts · high 4.93% / low 4.35%

Oct 9, 20264.93%▲ from 4.35%
Sep 18, 20264.35%first recorded

Massena Savings and Loan

Institution Rating:

A5.0 ★Texas Ratio: 9.00%

255 Main St, Massena, NY 13662

Fixed Rate Certificates - 36 Month CD

4.90% ▲ 2.09% above avg

View

▼

Rate4.75%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 2.09% above avg

Details

No additional details available.

Rate History

No change since Oct 20, 2026 · 4.90% APY · checked 3 times

Quorum Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.76%

2500 Westchester Ave, Purchase, NY 10577 2587

36 Month Term Account

4.90% ▲ 2.09% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.81%▲ 2.09% above avg

Details

Certificate Accounts; Single - 36 MONTH TERM ACCOUNT; minimum deposit of $100 required to open and earn the APY; penalty for withdrawal before maturity

Rate History

1 change since Oct 13, 2026 · 4.00% → 4.90% ▲ 0.90 pts · high 4.90% / low 4.00%

Oct 23, 20264.90%▲ from 4.00%
Oct 13, 20264.00%first recorded

Scott Associates Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.90%

14111 Scottslawn Rd, Marysville, OH 43040

IRA Certificates - 36 Month

$500

4.86% ▲ 2.05% above avg

View

▼

Rate4.75%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 2.05% above avg

Details

Minimum deposit of $500 required.

Rate History

1 change since Sep 14, 2026 · 3.82% → 4.86% ▲ 1.04 pts · high 4.86% / low 3.82%

Oct 26, 20264.86%▲ from 3.82%
Sep 14, 20263.82%first recorded

Popular Direct

Institution Rating:

A+5.0 ★Texas Ratio: 2.12%

1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179

Certificate of Deposit - 36 Months

4.85% ▲ 2.04% above avg

View

▼

Rate4.74%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 2.04% above avg

Details

No additional details available.

Rate History

No change since Oct 26, 2026 · 4.85% APY

Seven Seventeen Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.64%

3181 Larchmont Ave NE, Warren, OH 44483 2435

Jumbo Certificate - 36 Month

4.85% ▲ 2.04% above avg

View

▼

Rate4.75%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 2.04% above avg

Details

Jumbo certificate bonus: balance of $250,000 or more; additional 0.25% APY tier

Rate History

1 change since Sep 14, 2026 · 4.25% → 4.85% ▲ 0.60 pts · high 4.85% / low 4.25%

Oct 9, 20264.85%▲ from 4.25%
Sep 14, 20264.25%first recorded

First Northern Bank and Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 5.78%

4th Street And Lafayette Avenue, Palmerton, PA 18071

3 Year Adjustable CD

$1,000

4.81% ▲ 2.00% above avg

View

▼

Rate4.73%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 2.00% above avg

Details

Adjustable rate; Not available for purchase effective June 7, 2022; see Schedule of Service Fees

Rate History

1 change since Sep 27, 2026 · 4.29% → 4.81% ▲ 0.52 pts · high 4.81% / low 4.29%

Oct 4, 20264.81%▲ from 4.29%
Sep 27, 20264.29%first recorded

Morgan Stanley E-Trade

Institution Rating:

A4.8 ★Texas Ratio: 2.45%

2000 Westchester Ave, Purchase, NY 10577

36 Month Certificate of Deposit

4.80% ▲ 1.99% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.81%▲ 1.99% above avg

Details

FDIC insurance: at least $250,000

Rate History

1 change since Oct 8, 2026 · 4.40% → 4.80% ▲ 0.40 pts · high 4.80% / low 4.40%

Oct 22, 20264.80%▲ from 4.40%
Oct 8, 20264.40%first recorded

Tower Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

7901 Sandy Spring Rd, Laurel, MD 20707

3 Year Regular IRA Share Certificate

$500

4.80% ▲ 1.99% above avg

View

▼

Rate4.69%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.99% above avg

Details

No additional details available.

Rate History

No change since Oct 19, 2026 · 4.80% APY · checked 2 times

Dakota Community Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 0.58%

2284 3rd St W, Dickinson, ND 58601

IRA 36 Month CD

$100

4.76% ▲ 1.95% above avg

View

▼

Rate4.70%

Min Deposit$100

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.95% above avg

Details

IRA CD; Balance: $100.00 and over

Rate History

1 change since Oct 14, 2026 · 4.96% → 4.76% ▼ 0.20 pts · high 4.96% / low 4.76%

Oct 26, 20264.76%▼ from 4.96%
Oct 14, 20264.96%first recorded

First Jackson Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.03%

43243 Us Highway 72, Stevenson, AL 35772

36 Month Certificate of Deposit

4.75% ▲ 1.94% above avg

View

▼

Rate4.75%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.94% above avg

Details

No additional details available.

Rate History

1 change since Sep 14, 2026 · 3.10% → 4.75% ▲ 1.65 pts · high 4.75% / low 3.10%

Oct 26, 20264.75%▲ from 3.10%
Sep 14, 20263.10%first recorded

Rockland Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.09%

241 Union St, Rockland, MA 02370

Share Certificate - 3 Year

4.75% ▲ 1.94% above avg

View

▼

Rate4.65%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.81%▲ 1.94% above avg

Details

Compounding: Monthly

Rate History

No change since Oct 23, 2026 · 4.75% APY

Grant County Bank

Institution Rating:

A5.0 ★Texas Ratio: 10.01%

201 S Main St, Ulysses, KS 67880

Certificates of Deposit (CDs) - 3 Year

$100

4.73% ▲ 1.92% above avg

View

▼

Rate4.68%

Min Deposit$100

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.81%▲ 1.92% above avg

Details

Balance: $100,000+

Rate History

1 change since Sep 14, 2026 · 4.37% → 4.73% ▲ 0.36 pts · high 4.73% / low 4.37%

Sep 24, 20264.73%▲ from 4.37%
Sep 14, 20264.37%first recorded

National Police Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.12%

1407 W Washington Blvd, Chicago, IL 60607 1820

Share Certificate - 36 Months

$500

4.71% ▲ 1.90% above avg

View

▼

Rate4.60%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.81%▲ 1.90% above avg

Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History

No change since Oct 15, 2026 · 4.71% APY · checked 2 times

Fremont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.36%

315 Croghan St, Fremont, OH 43420 3013

Share Certificates - 36 Month

4.70% ▲ 1.89% above avg

View

▼

Rate4.60%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.81%▲ 1.89% above avg

Details

Type of Certificate: Regular/IRA; Dividends compound & paid: Daily

Rate History

1 change since Sep 14, 2026 · 4.26% → 4.70% ▲ 0.44 pts · high 4.70% / low 4.26%

Oct 12, 20264.70%▲ from 4.26%
Sep 14, 20264.26%first recorded

Serve Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.05%

423 E Court Ave, Des Moines, IA 50309 2010

36-MONTH CERTIFICATE

$1,000

4.70% ▲ 1.89% above avg

View

▼

Rate4.60%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.89% above avg

Details

Balance: $100,000 and over

Rate History

1 change since Sep 14, 2026 · 4.02% → 4.70% ▲ 0.68 pts · high 4.70% / low 4.02%

Oct 9, 20264.70%▲ from 4.02%
Sep 14, 20264.02%first recorded

Leader Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.22%

141 Massachusetts Ave, Arlington, MA 02474

Certificate of Deposit - 3 Years

4.65% ▲ 1.84% above avg

View

▼

Rate4.55%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.84% above avg

Details

Min. Balance to Open and Earn APY: $1,000; Monthly Service Charge:

Rate History

1 change since Oct 14, 2026 · 4.35% → 4.65% ▲ 0.30 pts · high 4.65% / low 4.35%

Oct 26, 20264.65%▲ from 4.35%
Oct 14, 20264.35%first recorded

TUCSON

Institution Rating:

A+5.0 ★Texas Ratio: 5.69%

1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023

3 Year Business Certificate

$500

4.65% ▲ 1.84% above avg

View

▼

Rate4.55%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.84% above avg

Details

No additional details available.

Rate History

No change since Oct 19, 2026 · 4.65% APY · checked 3 times

American State Bank (TX)

Institution Rating:

B-4.4 ★Texas Ratio: 22.39%

102 W Front, Arp, TX 75750

CDs/IRAs - Jumbo & Above - 36 Month Jumbo

$100,000

4.60% ▲ 1.79% above avg

View

▼

Rate4.51%

Min Deposit$100,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.79% above avg

Details

$100,000; Minimum to open and obtain APY is $100,000; Rates are fixed, compounded monthly; Available for personal and business accounts; Interest rates effective 10/19/2026

Rate History

1 change since Oct 14, 2026 · 3.64% → 4.60% ▲ 0.96 pts · high 4.60% / low 3.64%

Oct 20, 20264.60%▲ from 3.64%
Oct 14, 20263.64%first recorded

Bank of Franklin County

Institution Rating:

A+5.0 ★Texas Ratio: 3.97%

900 E 8th St, Washington, MO 63090

36 Month Certificate

4.60% ▲ 1.79% above avg

View

▼

Rate4.51%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.79% above avg

Details

Second rate column under Preferred Rate with any checking account heading; APY* minimum balance to open and obtain APY $500.00

Rate History

1 change since Oct 21, 2026 · 3.44% → 4.60% ▲ 1.16 pts · high 4.60% / low 3.44%

Oct 26, 20264.60%▲ from 3.44%
Oct 21, 20263.44%first recorded

Merrick Bank

Institution Rating:

B+4.7 ★Texas Ratio: 18.99%

10705 S Jordan Gtwy, South Jordan, UT 84095

36 Month High Yield Certificates of Deposit

$25,000

4.60% ▲ 1.79% above avg

View

▼

Rate4.50%

Min Deposit$25,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.79% above avg

Details

APY current as of 10/21/2026; single-transaction minimum deposit

Rate History

No change since Oct 22, 2026 · 4.60% APY · checked 2 times

Sallie Mae

Institution Rating:

A+5.0 ★Texas Ratio: 4.70%

175 S West Temple, Salt Lake City, UT 84101

36 Month Certificate of Deposit

4.60% ▲ 1.79% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.79% above avg

Details

Maintain a minimum balance of $2,500 in your CD to keep earning interest

Rate History

2 changes since Sep 18, 2026 · 4.40% → 4.60% ▲ 0.20 pts · high 4.60% / low 4.40%

Oct 21, 20264.60%▲ from 4.45%
Sep 27, 20264.45%▲ from 4.40%
Sep 18, 20264.40%first recorded

Credit One Bank, N.A.

Institution Rating:

A5.0 ★Texas Ratio: 9.51%

6801 S Cimarron Rd, Las Vegas, NV 89113

36 Month High Yield Jumbo CD

$100,000

4.60% ▲ 1.79% above avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.79% above avg

Details

Loyalty Rate: 0.05%; Earn Loyalty Rates when you renew your CD; Open An Account

Rate History

2 changes since Sep 18, 2026 · 4.45% → 4.60% ▲ 0.15 pts · high 4.60% / low 4.45%

Oct 26, 20264.60%▲ from 4.55%
Oct 14, 20264.55%▲ from 4.45%
Sep 18, 20264.45%first recorded

Piscataqua Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

15 Pleasant St, Portsmouth, NH 03801

3 Year CD

$500

4.60% ▲ 1.79% above avg

View

▼

Rate4.50%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.79% above avg

Details

A penalty may be imposed for early withdrawal.

Rate History

No change since Oct 14, 2026 · 4.60% APY · checked 5 times

Dirigo Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.54%

20 Washington St N, Auburn, ME 04210

3 Year Jumbo Share Certificates

4.60% ▲ 1.79% above avg

View

▼

Rate4.51%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.79% above avg

Details

No additional details available.

Rate History

1 change since Sep 24, 2026 · 3.90% → 4.60% ▲ 0.70 pts · high 4.60% / low 3.90%

Oct 19, 20264.60%▲ from 3.90%
Sep 24, 20263.90%first recorded

Federal Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.81%

1509 4th Ave S, Birmingham, AL 35233 1612

36 Month IRA

4.60% ▲ 1.79% above avg

View

▼

Rate4.60%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.79% above avg

Details

IRA CDs pay at maturity; Early withdrawal penalty of 90 days interest

Rate History

1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%

Oct 9, 20264.60%▲ from 4.20%
Sep 14, 20264.20%first recorded

Georgia Heritage Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.12%

1085 W Lathrop Ave, Savannah, GA 31415

IRA Certificates - 36 Months

4.60% ▲ 1.79% above avg

View

▼

Rate4.51%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.81%▲ 1.79% above avg

Details

Tier: $500 Minimum; Penalty: 180 Days1

Rate History

No change since Oct 15, 2026 · 4.60% APY · checked 2 times

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.28%

519 Main St, Kewaunee, WI 54216

Relationship CD - 36 Month

$2,500

4.60% ▲ 1.79% above avg

View

▼

Rate4.52%

Min Deposit$2,500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.79% above avg

Details

Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open

Rate History

1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%

Sep 24, 20264.60%▲ from 4.20%
Sep 14, 20264.20%first recorded

HEMA Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.38%

8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713

36 Month Share Certificate

$500

4.59% ▲ 1.78% above avg

View

▼

Rate4.50%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.81%▲ 1.78% above avg

Details

Balance: $1M+

Rate History

No change since Oct 13, 2026 · 4.59% APY · checked 3 times

PAHO WHO Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.02%

2112 F St NW, Washington, DC 20037

36 Month Share Certificate

$500

4.59% ▲ 1.78% above avg

View

▼

Rate4.50%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.78% above avg

Details

Balance: $1M+; Minimum $500 deposit required for certificate accounts

Rate History

No change since Oct 14, 2026 · 4.59% APY · checked 3 times

Members 1st Credit Union Saint Louis, MO

Institution Rating:

A+5.0 ★Texas Ratio: 1.59%

4702 Mattis Rd, Saint Louis, MO 63128

75th Anniversary Certificates of Deposit 36 Month

$7,500

4.58% ▲ 1.77% above avg

View

▼

Rate—

Min Deposit$7,500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.77% above avg

Details

Effective date 10/1/26

Rate History

No change since Oct 19, 2026 · 4.58% APY · checked 2 times

Luana Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.00%

100 Harvest Dr, Luana, IA 52156

Certificate of Deposit - 36 Month

$2,000

4.55% ▲ 1.74% above avg

View

▼

Rate4.50%

Min Deposit$2,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.74% above avg

Details

Balance: $100,000 and above

Rate History

1 change since Oct 14, 2026 · 4.50% → 4.55% ▲ 0.05 pts · high 4.55% / low 4.50%

Oct 20, 20264.55%▲ from 4.50%
Oct 14, 20264.50%first recorded

Global Bank

Institution Rating:

D3.4 ★Texas Ratio: 33.77%

8 Catherine St, New York, NY 10038

Certificate of Deposit - 3-year

$1,000

4.55% ▲ 1.74% above avg

View

▼

Rate4.45%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.81%▲ 1.74% above avg

Details

Amount: $1,000.00 and up

Rate History

No change since Oct 14, 2026 · 4.55% APY · checked 2 times

Mid-America Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.02%

802 Ames St, Baldwin City, KS 66006

36 Month CD or IRA - Jumbo

$500

4.55% ▲ 1.74% above avg

View

▼

Rate4.50%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.74% above avg

Details

Jumbo CD; certificate balances $250,000 & above; rates only apply when additional qualifications are met

Rate History

1 change since Oct 14, 2026 · 4.04% → 4.55% ▲ 0.51 pts · high 4.55% / low 4.04%

Oct 20, 20264.55%▲ from 4.04%
Oct 14, 20264.04%first recorded

MECE Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.67%

2722 E McCarty St, Jefferson City, MO 65101 4428

IRA & HSA Certificate - 36 Months Jumbo IRA

$100,000

4.54% ▲ 1.73% above avg

View

▼

Rate4.45%

Min Deposit$100,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.73% above avg

Details

No additional details available.

Rate History

No change since Oct 19, 2026 · 4.54% APY · checked 2 times

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 10.85%

423 433 Reuter Boulevard, Towanda, PA 18848

Certificate of Deposit - 36 Months

4.52% ▲ 1.71% above avg

View

▼

Rate4.45%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.71% above avg

Details

$100,000.00 and over

Rate History

No change since Oct 20, 2026 · 4.52% APY · checked 2 times

Founders Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.58%

607 N Main St, Lancaster, SC 29720

IRA 36 Month Certificate

$500

4.52% ▲ 1.71% above avg

View

▼

Rate4.45%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.81%▲ 1.71% above avg

Details

Dividends compounded & credited: Quarterly; Dividend period: Quarterly

Rate History

No change since Oct 23, 2026 · 4.52% APY

Credit Union of Southern California

Institution Rating:

A+5.0 ★Texas Ratio: 2.65%

36 Month Certificate - Rewards+ Loyalty Program

$500

4.50% ▲ 1.69% above avg

View

▼

Rate4.41%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.69% above avg

Details

Rewards+ Loyalty Program

Rate History

No change since Oct 14, 2026 · 4.50% APY · checked 3 times

Skyla Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.56%

3700 South Blvd, Charlotte, NC 28209

36 Month Elite Jumbo CD

$250,000

4.50% ▲ 1.69% above avg

View

▼

Rate—

Min Deposit$250,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.69% above avg

Details

No additional details available.

Rate History

1 change since Sep 21, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%

Oct 5, 20264.50%▲ from 4.15%
Sep 21, 20264.15%first recorded

Omaha Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.18%

3001 S 82ND AVE, OMAHA, NE 68124

36 Month Share Certificate

4.50% ▲ 1.69% above avg

View

▼

Rate4.41%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.81%▲ 1.69% above avg

Details

No additional details available.

Rate History

1 change since Sep 20, 2026 · 2.50% → 4.50% ▲ 2.00 pts · high 4.50% / low 2.50%

Oct 8, 20264.50%▲ from 2.50%
Sep 20, 20262.50%first recorded

Farmers & Merchants State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

210 W Madison St, Waterloo, WI 53594

36 Month - 10% New Money Certificate

$500

4.50% ▲ 1.69% above avg

View

▼

Rate4.50%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.81%▲ 1.69% above avg

Details

10 for 10 SPECIALS Certificates Only (No IRA or HSA); 10% of the total CD amount must be funds from another financial institution; Compounding: Annually

Rate History

No change since Oct 4, 2026 · 4.50% APY · checked 4 times

Members First Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.31%

120 E 1000 S, Brigham City, UT 84302 4357

Youth Certificate - 3 Year CD

4.50% ▲ 1.69% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.69% above avg

Details

Rate History

1 change since Oct 13, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%

Oct 26, 20264.50%▲ from 4.15%
Oct 13, 20264.15%first recorded

Banterra Bank

Institution Rating:

A4.7 ★Texas Ratio: 4.32%

521 Ferry Street, Metropolis, IL 62960

36-Month CD

4.40% ▲ 1.59% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.59% above avg

Details

Current CD Rate Promotion; Annual Percentage Yield accurate as of 10/13/2026. Terms and conditions apply.

Rate History

No change since Oct 14, 2026 · 4.40% APY · checked 3 times

Utah Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.78%

360 W 4800 N, Provo, UT 84604

Standard Certificate - 36 Months

$500

4.40% ▲ 1.59% above avg

View

▼

Rate4.31%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.59% above avg

Details

Personal and Business minimum deposit $500 (Youth $10)

Rate History

No change since Oct 14, 2026 · 4.40% APY · checked 2 times

New Heights Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.46%

72 E 700 N, Logan, UT 84321

36 Month Share Certificate - Promo Rate

$5,000

4.35% ▲ 1.54% above avg

View

▼

Rate—

Min Deposit$5,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.81%▲ 1.54% above avg

Details

Promo Rate ($5,000 Min. New Deposit); Early withdrawal penalty: 180 day interest

Rate History

No change since Oct 19, 2026 · 4.35% APY · checked 2 times

48 Month CD Rates

MonitorBankRates National Average · 48 Month CD2.80% APY▼ 0.02% from last week

View 48-month CD rate trend

The national average 48-month CD rate is 2.80% APY as of October 27, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Morgan Stanley

Institution Rating:

A+5.0 ★Texas Ratio: 2.86%

201 S Main St Fl 5, Salt Lake City, UT 84111

48 Month Preferred Certificate of Deposit (CD)

$1,000

5.20% ▲ 2.40% above avg

View

▼

Rate5.20%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 2.40% above avg

Details

Available through Morgan Stanley Private Banking Group; deposits in increments of $1,000; maximum $50,000,000

Rate History

No change since Oct 14, 2026 · 5.20% APY · checked 3 times

Toyota Financial Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.12%

2485 Village View Dr, Henderson, NV 89074

48 Month CD

5.20% ▲ 2.40% above avg

View

▼

Rate5.10%

Min Deposit$1

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 2.40% above avg

Details

Interest rate and APY are fixed for the initial term; early withdrawal penalty applies

Rate History

No change since Oct 21, 2026 · 5.20% APY · checked 2 times

Raymond James Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.19%

710 Carillon Pkwy, Saint Petersburg, FL 33716

Certificate of Deposit - 48 Months

$1,000

5.10% ▲ 2.30% above avg

View

▼

Rate4.97%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.80%▲ 2.30% above avg

Details

Minimum opening deposit $2,000 if purchased through Raymond James brokerage account; rates effective October 16, 2026

Rate History

No change since Oct 20, 2026 · 5.10% APY · checked 2 times

MECE Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.67%

2722 E McCarty St, Jefferson City, MO 65101 4428

IRA & HSA Certificate - 48 Months Jumbo IRA

$100,000

5.01% ▲ 2.21% above avg

View

▼

Rate4.90%

Min Deposit$100,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 2.21% above avg

Details

No additional details available.

Rate History

No change since Oct 19, 2026 · 5.01% APY · checked 2 times

Tower Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

7901 Sandy Spring Rd, Laurel, MD 20707

4 year Mini-Jumbo Share Certificate

$20,000

5.00% ▲ 2.20% above avg

View

▼

Rate4.88%

Min Deposit$20,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 2.20% above avg

Details

Mini-Jumbo Share Certificates; early withdrawal penalty applies before maturity

Rate History

No change since Oct 19, 2026 · 5.00% APY · checked 2 times

Quorum Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.76%

2500 Westchester Ave, Purchase, NY 10577 2587

48-Month Certificate

$100

5.00% ▲ 2.20% above avg

View

▼

Rate4.89%

Min Deposit$100

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.80%▲ 2.20% above avg

Details

Dividend rate 4.89%; Minimum balance to open and earn APY: $100

Rate History

1 change since Sep 14, 2026 · 4.15% → 5.00% ▲ 0.85 pts · high 5.00% / low 4.15%

Oct 23, 20265.00%▲ from 4.15%
Sep 14, 20264.15%first recorded

Popular Direct

Institution Rating:

A+5.0 ★Texas Ratio: 2.12%

1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179

Certificate of Deposit - 48 Months

4.95% ▲ 2.15% above avg

View

▼

Rate4.83%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 2.15% above avg

Details

No additional details available.

Rate History

No change since Oct 26, 2026 · 4.95% APY

Cornerstone State Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.12%

500 Main St, Madison Lake, MN 56063

IRA 36-48 month C.D.

$500

4.86% ▲ 2.06% above avg

View

▼

Rate4.80%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 2.06% above avg

Details

Balance: $75,000 - $199,999.99; Compounded Semi-Annually

Rate History

1 change since Oct 14, 2026 · 4.55% → 4.86% ▲ 0.31 pts · high 4.86% / low 4.55%

Oct 20, 20264.86%▲ from 4.55%
Oct 14, 20264.55%first recorded

Scott Associates Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.90%

14111 Scottslawn Rd, Marysville, OH 43040

Share Certificate - 48 Month

$500

4.86% ▲ 2.06% above avg

View

▼

Rate4.80%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 2.06% above avg

Details

Minimum deposit of $500 required.

Rate History

1 change since Sep 14, 2026 · 3.97% → 4.86% ▲ 0.89 pts · high 4.86% / low 3.97%

Oct 9, 20264.86%▲ from 3.97%
Sep 14, 20263.97%first recorded

GCSB Swayzee, IN

Institution Rating:

B+4.8 ★Texas Ratio: 16.88%

3988 West Delphi Road, Sweetser, IN 46987

48 Month Certificate of Deposit

$1,000

4.83% ▲ 2.03% above avg

View

▼

Rate4.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 2.03% above avg

Details

No additional details available.

Rate History

2 changes since Sep 11, 2026 · 3.29% → 4.83% ▲ 1.54 pts · high 4.83% / low 3.29%

Oct 3, 20264.83%▲ from 4.32%
Sep 24, 20264.32%▲ from 3.29%
Sep 11, 20263.29%first recorded

Fremont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.36%

315 Croghan St, Fremont, OH 43420 3013

Share Certificates - 48 Month

4.80% ▲ 2.00% above avg

View

▼

Rate4.70%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.80%▲ 2.00% above avg

Details

Type of Certificate: Regular/IRA; Dividends compound & paid: Daily

Rate History

1 change since Sep 14, 2026 · 4.31% → 4.80% ▲ 0.49 pts · high 4.80% / low 4.31%

Oct 12, 20264.80%▲ from 4.31%
Sep 14, 20264.31%first recorded

TUCSON

Institution Rating:

A+5.0 ★Texas Ratio: 5.69%

1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023

4 Year Business Certificate

$500

4.75% ▲ 1.95% above avg

View

▼

Rate4.64%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 1.95% above avg

Details

No additional details available.

Rate History

No change since Oct 19, 2026 · 4.75% APY · checked 3 times

Skyla Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.56%

3700 South Blvd, Charlotte, NC 28209

48 Month Elite Jumbo CD

$250,000

4.75% ▲ 1.95% above avg

View

▼

Rate—

Min Deposit$250,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 1.95% above avg

Details

No additional details available.

Rate History

1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%

Oct 5, 20264.75%▲ from 4.25%
Sep 21, 20264.25%first recorded

Serve Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.05%

423 E Court Ave, Des Moines, IA 50309 2010

48-MONTH CERTIFICATE

$1,000

4.75% ▲ 1.95% above avg

View

▼

Rate4.65%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 1.95% above avg

Details

Balance: $100,000 and over

Rate History

1 change since Sep 14, 2026 · 4.08% → 4.75% ▲ 0.67 pts · high 4.75% / low 4.08%

Oct 9, 20264.75%▲ from 4.08%
Sep 14, 20264.08%first recorded

Grant County Bank

Institution Rating:

A5.0 ★Texas Ratio: 10.01%

201 S Main St, Ulysses, KS 67880

Certificates of Deposit (CDs) - 4 Year

$100

4.74% ▲ 1.94% above avg

View

▼

Rate4.69%

Min Deposit$100

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.80%▲ 1.94% above avg

Details

Balance: $100,000+

Rate History

1 change since Sep 14, 2026 · 4.42% → 4.74% ▲ 0.32 pts · high 4.74% / low 4.42%

Sep 24, 20264.74%▲ from 4.42%
Sep 14, 20264.42%first recorded

Leader Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.22%

141 Massachusetts Ave, Arlington, MA 02474

Certificate of Deposit - 4 Years

4.70% ▲ 1.90% above avg

View

▼

Rate4.60%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 1.90% above avg

Details

Min. Balance to Open and Earn APY: $1,000; Monthly Service Charge:

Rate History

1 change since Oct 14, 2026 · 4.35% → 4.70% ▲ 0.35 pts · high 4.70% / low 4.35%

Oct 26, 20264.70%▲ from 4.35%
Oct 14, 20264.35%first recorded

Federal Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.81%

1509 4th Ave S, Birmingham, AL 35233 1612

Regular Certificate of Deposit - 48 Months

4.70% ▲ 1.90% above avg

View

▼

Rate4.70%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 1.90% above avg

Details

Early withdrawal penalty of 90 days interest. Interest is simple and paid at maturity.

Rate History

No change since Oct 26, 2026 · 4.70% APY

Georgia Heritage Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.12%

1085 W Lathrop Ave, Savannah, GA 31415

IRA Certificates - 48 Months

4.70% ▲ 1.90% above avg

View

▼

Rate4.60%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.80%▲ 1.90% above avg

Details

Tier: $500 Minimum; Penalty: 180 Days1

Rate History

No change since Oct 15, 2026 · 4.70% APY · checked 2 times

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.28%

519 Main St, Kewaunee, WI 54216

Relationship CD - 48 Month

$2,500

4.70% ▲ 1.90% above avg

View

▼

Rate4.62%

Min Deposit$2,500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 1.90% above avg

Details

Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open

Rate History

1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%

Sep 24, 20264.70%▲ from 4.25%
Sep 14, 20264.25%first recorded

American State Bank (TX)

Institution Rating:

B-4.4 ★Texas Ratio: 22.39%

102 W Front, Arp, TX 75750

CDs/IRAs - Jumbo & Above - 48 Month Jumbo

$100,000

4.66% ▲ 1.86% above avg

View

▼

Rate4.56%

Min Deposit$100,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 1.86% above avg

Details

$100,000; Minimum to open and obtain APY is $100,000; Rates are fixed, compounded monthly; Available for personal and business accounts; Interest rates effective 10/19/2026

Rate History

1 change since Oct 14, 2026 · 3.69% → 4.66% ▲ 0.97 pts · high 4.66% / low 3.69%

Oct 20, 20264.66%▲ from 3.69%
Oct 14, 20263.69%first recorded

Homeland Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.83%

310 Caldwell St, Chillicothe, OH 45601

48 Month Share and IRA Jumbo Certificates

4.63% ▲ 1.83% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 1.83% above avg

Details

APY = Annual Percentage Yield; Penalties may be charged for early withdrawals

Rate History

No change since Oct 19, 2026 · 4.63% APY · checked 2 times

Merrick Bank

Institution Rating:

B+4.7 ★Texas Ratio: 18.99%

10705 S Jordan Gtwy, South Jordan, UT 84095

48 Month High Yield Certificates of Deposit

$25,000

4.60% ▲ 1.80% above avg

View

▼

Rate4.50%

Min Deposit$25,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 1.80% above avg

Details

APY current as of 10/21/2026; single-transaction minimum deposit

Rate History

No change since Oct 22, 2026 · 4.60% APY · checked 2 times

First Community Credit Union Houston, TX

Institution Rating:

A+5.0 ★Texas Ratio: 3.58%

3200 S Dairy Ashford Rd, Houston, TX 77082 2319

4 Year Business CD

$5,000

4.60% ▲ 1.80% above avg

View

▼

Rate—

Min Deposit$5,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 1.80% above avg

Details

Balance: $1,000,000.00 and over

Rate History

No change since Oct 13, 2026 · 4.60% APY · checked 3 times

Patriot Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.50%

800 Wayne Ave, Chambersburg, PA 17201 3810

48 Month Share Certificate

4.60% ▲ 1.80% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.80%▲ 1.80% above avg

Details

Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026

Rate History

No change since Oct 5, 2026 · 4.60% APY · checked 5 times

Putnam County State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.42%

1522 Main St, Unionville, MO 63565

48 Month Certificate of Deposit

4.59% ▲ 1.79% above avg

View

▼

Rate4.50%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.80%▲ 1.79% above avg

Details

Term: 48 months to 59 months; Balance: $100,000.00 and over; Rates as of September 18, 2026

Rate History

No change since Oct 14, 2026 · 4.59% APY · checked 3 times

Members 1st Credit Union Saint Louis, MO

Institution Rating:

A+5.0 ★Texas Ratio: 1.59%

4702 Mattis Rd, Saint Louis, MO 63128

75th Anniversary Certificates of Deposit 48 Month

$7,500

4.58% ▲ 1.78% above avg

View

▼

Rate—

Min Deposit$7,500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 1.78% above avg

Details

Effective date 10/1/26

Rate History

No change since Oct 19, 2026 · 4.58% APY · checked 2 times

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 10.85%

423 433 Reuter Boulevard, Towanda, PA 18848

Certificate of Deposit - 48 Months

4.58% ▲ 1.78% above avg

View

▼

Rate4.50%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 1.78% above avg

Details

$100,000.00 and over

Rate History

No change since Oct 20, 2026 · 4.58% APY · checked 2 times

Founders Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.58%

607 N Main St, Lancaster, SC 29720

IRA 48 Month Certificate

$500

4.58% ▲ 1.78% above avg

View

▼

Rate4.50%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.80%▲ 1.78% above avg

Details

Dividends compounded & credited: Quarterly; Dividend period: Quarterly

Rate History

No change since Oct 23, 2026 · 4.58% APY

Educational Community Alliance Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.68%

3845 Angola Rd, Toledo, OH 43615

IRA Certificate - 48-Month

4.58% ▲ 1.78% above avg

View

▼

Rate4.50%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 1.78% above avg

Details

No additional details available.

Rate History

1 change since Sep 14, 2026 · 3.80% → 4.58% ▲ 0.78 pts · high 4.58% / low 3.80%

Oct 14, 20264.58%▲ from 3.80%
Sep 14, 20263.80%first recorded

Credit One Bank, N.A.

Institution Rating:

A5.0 ★Texas Ratio: 9.51%

6801 S Cimarron Rd, Las Vegas, NV 89113

48 Month High Yield Jumbo CD

$100,000

4.55% ▲ 1.75% above avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 1.75% above avg

Details

Loyalty Rate: 0.05%; Earn Loyalty Rates when you renew your CD; Open An Account

Rate History

2 changes since Sep 18, 2026 · 4.15% → 4.55% ▲ 0.40 pts · high 4.55% / low 4.15%

Oct 26, 20264.55%▲ from 4.45%
Oct 14, 20264.45%▲ from 4.15%
Sep 18, 20264.15%first recorded

First Westroads Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.04%

15750 W Dodge Rd, Omaha, NE 68118

48 Month CD

$500

4.55% ▲ 1.75% above avg

View

▼

Rate4.47%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.80%▲ 1.75% above avg

Details

Substantial penalty for early withdrawal

Rate History

No change since Sep 20, 2026 · 4.55% APY · checked 8 times

Global Bank

Institution Rating:

D3.4 ★Texas Ratio: 33.77%

8 Catherine St, New York, NY 10038

Certificate of Deposit - 4-year

$1,000

4.55% ▲ 1.75% above avg

View

▼

Rate4.45%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.80%▲ 1.75% above avg

Details

Amount: $1,000.00 and up

Rate History

No change since Oct 14, 2026 · 4.55% APY · checked 2 times

Code Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.49%

355 W Monument Ave, Dayton, OH 45402

Roth IRA Certificate - 48 Months

$500

4.55% ▲ 1.75% above avg

View

▼

Rate4.46%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 1.75% above avg

Details

Compounding: Monthly

Rate History

2 changes since Sep 14, 2026 · 4.00% → 4.55% ▲ 0.55 pts · high 4.55% / low 4.00%

Oct 26, 20264.55%▲ from 4.10%
Oct 9, 20264.10%▲ from 4.00%
Sep 14, 20264.00%first recorded

Heartland Credit Union Hutchinson, KS

Institution Rating:

A5.0 ★Texas Ratio: 9.12%

900 E 23rd Ave, Hutchinson, KS 67502 5648

48 Month Certificate

4.55% ▲ 1.75% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 1.75% above avg

Details

Balance: $250,000 and up

Rate History

No change since Oct 14, 2026 · 4.55% APY · checked 3 times

Fairmont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

2 The Credit Union Way, Fairmont, WV 26554 1567

48 Month Jumbo Certificate

4.55% ▲ 1.75% above avg

View

▼

Rate4.46%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.80%▲ 1.75% above avg

Details

Balance: $250,000

Rate History

No change since Oct 8, 2026 · 4.55% APY · checked 3 times

Chivaho Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.77%

17273 State Route 104, Chillicothe, OH 45601 9718

Certificate of Deposit - 48 months

$500

4.55% ▲ 1.75% above avg

View

▼

Rate4.45%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.80%▲ 1.75% above avg

Details

No additional details available.

Rate History

1 change since Sep 14, 2026 · 3.65% → 4.55% ▲ 0.90 pts · high 4.55% / low 3.65%

Oct 23, 20264.55%▲ from 3.65%
Sep 14, 20263.65%first recorded

Mid-America Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.02%

802 Ames St, Baldwin City, KS 66006

48 Month CD or IRA - Jumbo

$500

4.55% ▲ 1.75% above avg

View

▼

Rate4.50%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 1.75% above avg

Details

Jumbo CD; certificate balances $250,000 & above; rates only apply when additional qualifications are met

Rate History

1 change since Oct 14, 2026 · 4.04% → 4.55% ▲ 0.51 pts · high 4.55% / low 4.04%

Oct 20, 20264.55%▲ from 4.04%
Oct 14, 20264.04%first recorded

Enterprise Bank Allison Park, PA

Institution Rating:

F1.0 ★Texas Ratio: 80.27%

4091 Mount Royal Blvd, Allison Park, PA 15101

4 Year CD

4.54% ▲ 1.74% above avg

View

▼

Rate4.45%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.80%▲ 1.74% above avg

Details

No additional details available.

Rate History

No change since Oct 22, 2026 · 4.54% APY

First National Bank of America (FNBA)

Institution Rating:

B-4.3 ★Texas Ratio: 23.12%

241 E Saginaw St, East Lansing, MI 48823

48 Month Certificate of Deposit

4.50% ▲ 1.70% above avg

View

▼

Rate4.43%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 1.70% above avg

Details

Requires $1,000 minimum balance to obtain the APY; APY assumes principal and interest remain on deposit until maturity

Rate History

No change since Oct 14, 2026 · 4.50% APY · checked 2 times

Luana Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.00%

100 Harvest Dr, Luana, IA 52156

Certificate of Deposit - 48 Month

$2,000

4.50% ▲ 1.70% above avg

View

▼

Rate4.45%

Min Deposit$2,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 1.70% above avg

Details

Balance: $100,000 and above

Rate History

1 change since Oct 14, 2026 · 4.45% → 4.50% ▲ 0.05 pts · high 4.50% / low 4.45%

Oct 20, 20264.50%▲ from 4.45%
Oct 14, 20264.45%first recorded

F&M State Bank Winterset, IA

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

101 W Jefferson St, Winterset, IA 50273

48 Month CD

$1,000

4.50% ▲ 1.70% above avg

View

▼

Rate4.50%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.80%▲ 1.70% above avg

Details

Balance: $10,000+; $1,000 minimum deposit to open account; penalty may be imposed for early withdrawal

Rate History

No change since Sep 24, 2026 · 4.50% APY · checked 7 times

First National Bank of Steeleville

Institution Rating:

A+5.0 ★Texas Ratio: 1.53%

400 W Broadway, Steeleville, IL 62288

48 Month CD

4.50% ▲ 1.70% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.80%▲ 1.70% above avg

Details

Early withdrawal penalty may apply

Rate History

No change since Oct 22, 2026 · 4.50% APY · checked 2 times

Barclays Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.21%

125 S West St, Wilmington, DE 19801

Online CD - 48 Months

4.50% ▲ 1.70% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 1.70% above avg

Details

No additional details available.

Rate History

No change since Oct 20, 2026 · 4.50% APY · checked 2 times

Gerber Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.59%

508 State St, Fremont, MI 49412

Share Certificate - 48 Month

4.50% ▲ 1.70% above avg

View

▼

Rate4.41%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.80%▲ 1.70% above avg

Details

Rates effective October 1, 2026

Rate History

No change since Sep 12, 2026 · 4.50% APY · checked 2 times

Credit Union of Southern California

Institution Rating:

A+5.0 ★Texas Ratio: 2.65%

48 Month Certificate - Rewards+ Loyalty Program

$500

4.50% ▲ 1.70% above avg

View

▼

Rate4.41%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 1.70% above avg

Details

Rewards+ Loyalty Program

Rate History

No change since Oct 14, 2026 · 4.50% APY · checked 3 times

Energy Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.81%

156 Spring St, West Roxbury, MA 02132

48 Month Certificate of Deposit

$1,000

4.50% ▲ 1.70% above avg

View

▼

Rate4.41%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 1.70% above avg

Details

No additional details available.

Rate History

No change since Oct 13, 2026 · 4.50% APY · checked 2 times

Excel Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.36%

5070 Peachtree Industrial Blvd, Peachtree Corners, GA 30071 1587

4 Year Share Certificate/CD

$500

4.50% ▲ 1.70% above avg

View

▼

Rate4.43%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.80%▲ 1.70% above avg

Details

$500.00 and above; Promotional as-high-as rate for certificate terms per footnote; early withdrawal penalty applies

Rate History

1 change since Sep 12, 2026 · 3.15% → 4.50% ▲ 1.35 pts · high 4.50% / low 3.15%

Oct 4, 20264.50%▲ from 3.15%
Sep 12, 20263.15%first recorded

Cornhusker Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.16%

8310 O St, Lincoln, NE 68510

Business Certificates of Deposit - 48 Month

$1,000

4.46% ▲ 1.66% above avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 1.66% above avg

Details

No additional details available.

Rate History

No change since Oct 14, 2026 · 4.46% APY · checked 5 times

Utah Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.78%

360 W 4800 N, Provo, UT 84604

Standard Certificate - 48 Months

$500

4.45% ▲ 1.65% above avg

View

▼

Rate4.36%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 1.65% above avg

Details

Personal and Business minimum deposit $500 (Youth $10)

Rate History

No change since Oct 14, 2026 · 4.45% APY · checked 2 times

Regional Missouri Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.51%

601 1st St, Glasgow, MO 65254

48 Month Dream Fund CD

$100

4.42% ▲ 1.62% above avg

View

▼

Rate4.35%

Min Deposit$100

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.80%▲ 1.62% above avg

Details

No additional details available.

Rate History

1 change since Sep 11, 2026 · 4.32% → 4.42% ▲ 0.10 pts · high 4.42% / low 4.32%

Oct 21, 20264.42%▲ from 4.32%
Sep 11, 20264.32%first recorded

60 Month CD Rates

MonitorBankRates National Average · 60 Month CD2.91% APY▼ 0.02% from last week

View 60-month CD rate trend

The national average 60-month CD rate is 2.91% APY as of October 27, 2026, based on MonitorBankRates data collected from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Morgan Stanley

Institution Rating:

A+5.0 ★Texas Ratio: 2.86%

201 S Main St Fl 5, Salt Lake City, UT 84111

60 Month Preferred Certificate of Deposit (CD)

$1,000

5.25% ▲ 2.34% above avg

View

▼

Rate5.25%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 2.34% above avg

Details

Available through Morgan Stanley Private Banking Group; deposits in increments of $1,000; maximum $50,000,000

Rate History

No change since Oct 14, 2026 · 5.25% APY · checked 3 times

Toyota Financial Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.12%

2485 Village View Dr, Henderson, NV 89074

60 Month CD

5.25% ▲ 2.34% above avg

View

▼

Rate5.15%

Min Deposit$1

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 2.34% above avg

Details

Interest rate and APY are fixed for the initial term; early withdrawal penalty applies

Rate History

No change since Oct 21, 2026 · 5.25% APY · checked 2 times

Italo American Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

6652 Myrtle Ave, Glendale, NY 11385 7057

5 Year Regular IRA And Roth IRA CD

5.25% ▲ 2.34% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 2.34% above avg

Details

No additional details available.

Rate History

No change since Oct 19, 2026 · 5.25% APY · checked 2 times

Raymond James Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.19%

710 Carillon Pkwy, Saint Petersburg, FL 33716

Certificate of Deposit - 60 Months

$1,000

5.15% ▲ 2.24% above avg

View

▼

Rate5.02%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.91%▲ 2.24% above avg

Details

Minimum opening deposit $2,000 if purchased through Raymond James brokerage account; rates effective October 16, 2026

Rate History

No change since Oct 20, 2026 · 5.15% APY · checked 2 times

Michigan One Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.80%

510 S Dexter St, Ionia, MI 48846

60 Month Minor CD Special

$100

5.12% ▲ 2.21% above avg

View

▼

Rate5.00%

Min Deposit$100

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 2.21% above avg

Details

Minimum $100, maximum $5,000; Minor CD Special

Rate History

No change since Sep 18, 2026 · 5.12% APY · checked 4 times

5Star Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.98%

104 S Cascade Ave, Colorado Springs, CO 80903

60 Month Variable IRA

$250

5.11% ▲ 2.20% above avg

View

▼

Rate4.99%

Min Deposit$250

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.91%▲ 2.20% above avg

Details

Variable IRA rate; indexed to Treasury securities

Rate History

1 change since Sep 14, 2026 · 4.57% → 5.11% ▲ 0.54 pts · high 5.11% / low 4.57%

Oct 11, 20265.11%▲ from 4.57%
Sep 14, 20264.57%first recorded

GCSB Swayzee, IN

Institution Rating:

B+4.8 ★Texas Ratio: 16.88%

3988 West Delphi Road, Sweetser, IN 46987

60 Month Certificate of Deposit

$1,000

5.09% ▲ 2.18% above avg

View

▼

Rate5.00%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 2.18% above avg

Details

No additional details available.

Rate History

2 changes since Sep 11, 2026 · 3.55% → 5.09% ▲ 1.54 pts · high 5.09% / low 3.55%

Oct 3, 20265.09%▲ from 4.58%
Sep 24, 20264.58%▲ from 3.55%
Sep 11, 20263.55%first recorded

Scott Associates Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.90%

14111 Scottslawn Rd, Marysville, OH 43040

IRA Certificates - 60 Month

$500

5.06% ▲ 2.15% above avg

View

▼

Rate4.95%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 2.15% above avg

Details

Minimum deposit of $500 required.

Rate History

1 change since Sep 14, 2026 · 4.18% → 5.06% ▲ 0.89 pts · high 5.06% / low 4.18%

Oct 26, 20265.06%▲ from 4.18%
Sep 14, 20264.18%first recorded

Tower Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

7901 Sandy Spring Rd, Laurel, MD 20707

5 year Mini-Jumbo Share Certificate

$20,000

5.05% ▲ 2.14% above avg

View

▼

Rate4.93%

Min Deposit$20,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 2.14% above avg

Details

Mini-Jumbo Share Certificates; early withdrawal penalty applies before maturity

Rate History

No change since Oct 19, 2026 · 5.05% APY · checked 2 times

Fort Community Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.84%

1610 Janesville Ave, Fort Atkinson, WI 53538

Certificates - 60-Month

$250

5.01% ▲ 2.10% above avg

View

▼

Rate4.92%

Min Deposit$250

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 2.10% above avg

Details

Dividends Paid: Quarterly; $250 minimum to open. Any certificate may be used for IRAs.

Rate History

1 change since Oct 13, 2026 · 5.15% → 5.01% ▼ 0.14 pts · high 5.15% / low 5.01%

Oct 26, 20265.01%▼ from 5.15%
Oct 13, 20265.15%first recorded

Popular Direct

Institution Rating:

A+5.0 ★Texas Ratio: 2.12%

1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179

Certificate of Deposit - 60 Months

5.00% ▲ 2.09% above avg

View

▼

Rate4.88%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 2.09% above avg

Details

No additional details available.

Rate History

No change since Oct 26, 2026 · 5.00% APY

First Jackson Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.03%

43243 Us Highway 72, Stevenson, AL 35772

60 Month Certificate of Deposit

5.00% ▲ 2.09% above avg

View

▼

Rate5.00%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 2.09% above avg

Details

No additional details available.

Rate History

1 change since Sep 14, 2026 · 3.50% → 5.00% ▲ 1.50 pts · high 5.00% / low 3.50%

Oct 26, 20265.00%▲ from 3.50%
Sep 14, 20263.50%first recorded

Sallie Mae

Institution Rating:

A+5.0 ★Texas Ratio: 4.70%

175 S West Temple, Salt Lake City, UT 84101

Certificate of Deposit - 60 months

5.00% ▲ 2.09% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 2.09% above avg

Details

No additional details available.

Rate History

1 change since Oct 14, 2026 · 4.50% → 5.00% ▲ 0.50 pts · high 5.00% / low 4.50%

Oct 26, 20265.00%▲ from 4.50%
Oct 14, 20264.50%first recorded

Seven Seventeen Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.64%

3181 Larchmont Ave NE, Warren, OH 44483 2435

Jumbo Certificate - 60 Month

5.00% ▲ 2.09% above avg

View

▼

Rate4.89%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 2.09% above avg

Details

Jumbo certificate bonus: balance of $250,000 or more; additional 0.25% APY tier

Rate History

1 change since Sep 14, 2026 · 4.05% → 5.00% ▲ 0.95 pts · high 5.00% / low 4.05%

Oct 9, 20265.00%▲ from 4.05%
Sep 14, 20264.05%first recorded

Quorum Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.76%

2500 Westchester Ave, Purchase, NY 10577 2587

Single - 60 MONTH TERM ACCOUNT

5.00% ▲ 2.09% above avg

View

▼

Rate4.89%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.91%▲ 2.09% above avg

Details

Certificate Accounts; fixed-rate; dividends compounded and paid monthly; penalty for withdrawal before maturity

Rate History

1 change since Oct 13, 2026 · 4.15% → 5.00% ▲ 0.85 pts · high 5.00% / low 4.15%

Oct 23, 20265.00%▲ from 4.15%
Oct 13, 20264.15%first recorded

Beach Municipal Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.63%

4164 Virginia Beach Blvd, Virginia Beach, VA 23452

60 Month Youth Share Certificate

5.00% ▲ 2.09% above avg

View

▼

Rate4.91%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.91%▲ 2.09% above avg

Details

Available Options: $50 and $100 only; Exclusively for Long John Saver & Pipeline members; Part of Long John Saver Kids Club & Pipeline for Teens; Maximum $1,000 in Youth Share Certificates at any one time

Rate History

No change since Oct 9, 2026 · 5.00% APY · checked 3 times

Hope Federal Credit Union Jackson, MS

Institution Rating:

A5.0 ★Texas Ratio: 7.78%

1451 Madison Ave, Memphis, TN 38104

60 Month Jumbo Share Certificates (CDs)

$1,000

4.95% ▲ 2.04% above avg

View

▼

Rate4.83%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 2.04% above avg

Details

Jumbo rate; standard jumbo rates available on deposits of $95,000 or more

Rate History

1 change since Sep 18, 2026 · 4.47% → 4.95% ▲ 0.48 pts · high 4.95% / low 4.47%

Oct 9, 20264.95%▲ from 4.47%
Sep 18, 20264.47%first recorded

Fremont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.36%

315 Croghan St, Fremont, OH 43420 3013

Share Certificates - 60 Month

4.90% ▲ 1.99% above avg

View

▼

Rate4.79%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.91%▲ 1.99% above avg

Details

Type of Certificate: Regular/IRA; Dividends compound & paid: Daily

Rate History

1 change since Sep 14, 2026 · 4.31% → 4.90% ▲ 0.59 pts · high 4.90% / low 4.31%

Oct 12, 20264.90%▲ from 4.31%
Sep 14, 20264.31%first recorded

Library Of Congress Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.72%

101 Independence Ave SE Rm 634, Washington, DC 20540 0002

60 Month Traditional, Roth, SEP & Education IRA Certificate

4.89% ▲ 1.98% above avg

View

▼

Rate4.80%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.91%▲ 1.98% above avg

Details

$1,000 minimum balance required; Computed daily from day of deposit to day of withdrawal, paid and compounded quarterly; Terms less than 6 months will pay at maturity

Rate History

1 change since Oct 15, 2026 · 4.52% → 4.89% ▲ 0.37 pts · high 4.89% / low 4.52%

Oct 23, 20264.89%▲ from 4.52%
Oct 15, 20264.52%first recorded

Advancial Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 12.30%

10000 N Central Expy Ste 1400, Dallas, TX 75231 2319

5 Year Regular, IRA & Business Jumbo Certificates

4.87% ▲ 1.96% above avg

View

▼

Rate4.76%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.96% above avg

Details

No additional details available.

Rate History

No change since Oct 14, 2026 · 4.87% APY · checked 3 times

Dakota Community Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 0.58%

2284 3rd St W, Dickinson, ND 58601

IRA 60 Month CD

$100

4.86% ▲ 1.95% above avg

View

▼

Rate4.80%

Min Deposit$100

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.95% above avg

Details

IRA CD; Balance: $100.00 and over

Rate History

1 change since Oct 14, 2026 · 4.96% → 4.86% ▼ 0.10 pts · high 4.96% / low 4.86%

Oct 26, 20264.86%▼ from 4.96%
Oct 14, 20264.96%first recorded

Tendto Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.10%

1129 State St, Erie, PA 16501 1911

Share Certificates - 60 month Certificate

4.81% ▲ 1.90% above avg

View

▼

Rate4.73%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.90% above avg

Details

No additional details available.

Rate History

No change since Oct 13, 2026 · 4.81% APY · checked 3 times

Morgan Stanley E-Trade

Institution Rating:

A4.8 ★Texas Ratio: 2.45%

2000 Westchester Ave, Purchase, NY 10577

60 Month Certificate of Deposit

4.80% ▲ 1.89% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.91%▲ 1.89% above avg

Details

FDIC insurance: at least $250,000

Rate History

1 change since Oct 8, 2026 · 4.40% → 4.80% ▲ 0.40 pts · high 4.80% / low 4.40%

Oct 22, 20264.80%▲ from 4.40%
Oct 8, 20264.40%first recorded

TUCSON

Institution Rating:

A+5.0 ★Texas Ratio: 5.69%

1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023

5 Year Business Certificate

$500

4.80% ▲ 1.89% above avg

View

▼

Rate4.69%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.89% above avg

Details

No additional details available.

Rate History

No change since Oct 19, 2026 · 4.80% APY · checked 3 times

Georgia Heritage Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.12%

1085 W Lathrop Ave, Savannah, GA 31415

IRA Certificates - 60 Months

4.80% ▲ 1.89% above avg

View

▼

Rate4.70%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.91%▲ 1.89% above avg

Details

Tier: $500 Minimum; Penalty: 180 Days1

Rate History

No change since Oct 15, 2026 · 4.80% APY · checked 2 times

Serve Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.05%

423 E Court Ave, Des Moines, IA 50309 2010

60-MONTH CERTIFICATE

$1,000

4.80% ▲ 1.89% above avg

View

▼

Rate4.70%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.89% above avg

Details

Balance: $100,000 and over

Rate History

1 change since Sep 14, 2026 · 4.13% → 4.80% ▲ 0.67 pts · high 4.80% / low 4.13%

Oct 9, 20264.80%▲ from 4.13%
Sep 14, 20264.13%first recorded

Grant County Bank

Institution Rating:

A5.0 ★Texas Ratio: 10.01%

201 S Main St, Ulysses, KS 67880

Certificates of Deposit (CDs) - 5 Year

$1,000

4.79% ▲ 1.88% above avg

View

▼

Rate4.74%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.91%▲ 1.88% above avg

Details

Balance: $100,000+

Rate History

1 change since Sep 14, 2026 · 4.48% → 4.79% ▲ 0.31 pts · high 4.79% / low 4.48%

Sep 24, 20264.79%▲ from 4.48%
Sep 14, 20264.48%first recorded

Piscataqua Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

15 Pleasant St, Portsmouth, NH 03801

5 Year CD

$500

4.76% ▲ 1.85% above avg

View

▼

Rate4.65%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.85% above avg

Details

A penalty may be imposed for early withdrawal.

Rate History

No change since Oct 14, 2026 · 4.76% APY · checked 5 times

Barclays Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.21%

125 S West St, Wilmington, DE 19801

Online CD - 60 Months

4.75% ▲ 1.84% above avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.84% above avg

Details

No additional details available.

Rate History

No change since Oct 20, 2026 · 4.75% APY · checked 2 times

United Equity Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.71%

687 Lincoln St, Galesburg, IL 61401

60 Month Share Certificate

4.75% ▲ 1.84% above avg

View

▼

Rate4.65%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.84% above avg

Details

APY = Annual Percentage Yield; Nominal Rate column

Rate History

No change since Oct 10, 2026 · 4.75% APY · checked 4 times

Skyla Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.56%

3700 South Blvd, Charlotte, NC 28209

60 Month Elite Jumbo CD

$250,000

4.75% ▲ 1.84% above avg

View

▼

Rate—

Min Deposit$250,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.84% above avg

Details

No additional details available.

Rate History

1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%

Oct 5, 20264.75%▲ from 4.25%
Sep 21, 20264.25%first recorded

First Choice Credit Union West Palm Beach, FL

Institution Rating:

A+5.0 ★Texas Ratio: 2.64%

1055 S Congress Ave, West Palm Beach, FL 33406 5195

Jumbo 60 Month Certificates

$75,000

4.75% ▲ 1.84% above avg

View

▼

Rate4.67%

Min Deposit$75,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.84% above avg

Details

Jumbo Share & IRA Certificates; Early Withdrawal Penalty: 180 days interest

Rate History

1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%

Oct 14, 20264.75%▲ from 4.35%
Sep 14, 20264.35%first recorded

Energy Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.81%

156 Spring St, West Roxbury, MA 02132

60 Month Certificate of Deposit

$1,000

4.75% ▲ 1.84% above avg

View

▼

Rate4.65%

Min Deposit$1,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.84% above avg

Details

No additional details available.

Rate History

No change since Oct 13, 2026 · 4.75% APY · checked 2 times

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.28%

519 Main St, Kewaunee, WI 54216

Relationship CD - 60 Month

$2,500

4.75% ▲ 1.84% above avg

View

▼

Rate4.67%

Min Deposit$2,500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.84% above avg

Details

Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open

Rate History

1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%

Sep 24, 20264.75%▲ from 4.35%
Sep 14, 20264.35%first recorded

Putnam County State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.42%

1522 Main St, Unionville, MO 63565

60 Month Certificate of Deposit

4.70% ▲ 1.79% above avg

View

▼

Rate4.60%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.91%▲ 1.79% above avg

Details

Balance: $100,000.00 and over; Rates as of September 18, 2026

Rate History

No change since Oct 14, 2026 · 4.70% APY · checked 3 times

American State Bank (TX)

Institution Rating:

B-4.4 ★Texas Ratio: 22.39%

102 W Front, Arp, TX 75750

CDs/IRAs - Jumbo & Above - 60 Month Jumbo

$100,000

4.70% ▲ 1.79% above avg

View

▼

Rate4.60%

Min Deposit$100,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.79% above avg

Details

$100,000; Minimum to open and obtain APY is $100,000; Rates are fixed, compounded monthly; Available for personal and business accounts; Interest rates effective 10/19/2026

Rate History

1 change since Oct 14, 2026 · 3.80% → 4.70% ▲ 0.90 pts · high 4.70% / low 3.80%

Oct 20, 20264.70%▲ from 3.80%
Oct 14, 20263.80%first recorded

Leader Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.22%

141 Massachusetts Ave, Arlington, MA 02474

Certificate of Deposit - 5 Years

4.70% ▲ 1.79% above avg

View

▼

Rate4.60%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.79% above avg

Details

Min. Balance to Open and Earn APY: $1,000; Monthly Service Charge:

Rate History

1 change since Oct 14, 2026 · 4.35% → 4.70% ▲ 0.35 pts · high 4.70% / low 4.35%

Oct 26, 20264.70%▲ from 4.35%
Oct 14, 20264.35%first recorded

MECE Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.67%

2722 E McCarty St, Jefferson City, MO 65101 4428

IRA & HSA Certificate - 60 Months Jumbo IRA

$100,000

4.70% ▲ 1.79% above avg

View

▼

Rate4.60%

Min Deposit$100,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.79% above avg

Details

No additional details available.

Rate History

No change since Oct 19, 2026 · 4.70% APY · checked 2 times

Federal Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.81%

1509 4th Ave S, Birmingham, AL 35233 1612

60 Month IRA

4.70% ▲ 1.79% above avg

View

▼

Rate4.70%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.79% above avg

Details

IRA CDs pay at maturity; Early withdrawal penalty of 90 days interest

Rate History

1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%

Oct 9, 20264.70%▲ from 4.25%
Sep 14, 20264.25%first recorded

First Community Credit Union Houston, TX

Institution Rating:

A+5.0 ★Texas Ratio: 3.58%

3200 S Dairy Ashford Rd, Houston, TX 77082 2319

5 Year Business CD

$5,000

4.70% ▲ 1.79% above avg

View

▼

Rate—

Min Deposit$5,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.79% above avg

Details

Balance: $1,000,000.00 and over

Rate History

No change since Oct 13, 2026 · 4.70% APY · checked 3 times

Founders Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.58%

607 N Main St, Lancaster, SC 29720

IRA 60 Month Certificate

$500

4.68% ▲ 1.77% above avg

View

▼

Rate4.60%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 23, 2026

MBR National Avg2.91%▲ 1.77% above avg

Details

Dividends compounded & credited: Quarterly; Dividend period: Quarterly

Rate History

No change since Oct 23, 2026 · 4.68% APY

Marine Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 13.08%

127 West Ave N, La Crosse, WI 54601 3528

Jumbo Individual Retirement Account Certificates - 60-month

4.66% ▲ 1.75% above avg

View

▼

Rate4.58%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.75% above avg

Details

Traditional, Roth, and Coverdell IRA; Penalty may be imposed for early withdrawal

Rate History

1 change since Sep 14, 2026 · 3.65% → 4.66% ▲ 1.01 pts · high 4.66% / low 3.65%

Oct 5, 20264.66%▲ from 3.65%
Sep 14, 20263.65%first recorded

Merrick Bank

Institution Rating:

B+4.7 ★Texas Ratio: 18.99%

10705 S Jordan Gtwy, South Jordan, UT 84095

60 Month High Yield Certificates of Deposit

$25,000

4.65% ▲ 1.74% above avg

View

▼

Rate4.55%

Min Deposit$25,000

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.74% above avg

Details

APY current as of 10/21/2026; single-transaction minimum deposit

Rate History

No change since Oct 22, 2026 · 4.65% APY · checked 2 times

Waukesha State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.44%

151 E Saint Paul Ave, Waukesha, WI 53188

Certificate of Deposit - 5 Years

$500

4.65% ▲ 1.74% above avg

View

▼

Rate4.55%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.74% above avg

Details

APY compounded: Monthly; Rates and terms apply to regular and jumbo CDs up to $1 million

Rate History

No change since Oct 22, 2026 · 4.65% APY · checked 2 times

Massena Savings and Loan

Institution Rating:

A5.0 ★Texas Ratio: 9.00%

255 Main St, Massena, NY 13662

Fixed Rate Certificates - 60 Month CD

4.64% ▲ 1.73% above avg

View

▼

Rate4.50%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.73% above avg

Details

No additional details available.

Rate History

No change since Oct 20, 2026 · 4.64% APY · checked 3 times

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 10.85%

423 433 Reuter Boulevard, Towanda, PA 18848

Certificate of Deposit - 60 Months

4.63% ▲ 1.72% above avg

View

▼

Rate4.55%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.72% above avg

Details

$100,000.00 and over

Rate History

No change since Oct 20, 2026 · 4.63% APY · checked 2 times

First National Bank of America (FNBA)

Institution Rating:

B-4.3 ★Texas Ratio: 23.12%

241 E Saginaw St, East Lansing, MI 48823

60 Month Certificate of Deposit

4.60% ▲ 1.69% above avg

View

▼

Rate4.52%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.69% above avg

Details

Requires $1,000 minimum balance to obtain the APY; APY assumes principal and interest remain on deposit until maturity

Rate History

No change since Oct 14, 2026 · 4.60% APY · checked 2 times

1st Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.97%

1000 W Wisconsin St, Sparta, WI 54656 2230

60-MONTH YOUTH CERTIFICATE SPECIAL

$500

4.60% ▲ 1.69% above avg

View

▼

Rate4.50%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.69% above avg

Details

Ages: 0-12; For ages 0-12 years old; Maximum deposit $10,000

Rate History

No change since Sep 14, 2026 · 4.60% APY · checked 9 times

Enterprise Bank Allison Park, PA

Institution Rating:

F1.0 ★Texas Ratio: 80.27%

4091 Mount Royal Blvd, Allison Park, PA 15101

5 Year CD

4.59% ▲ 1.68% above avg

View

▼

Rate4.50%

Min Deposit$0

Min Balance—

Verified and UpdatedOct 22, 2026

MBR National Avg2.91%▲ 1.68% above avg

Details

No additional details available.

Rate History

No change since Oct 22, 2026 · 4.59% APY

Mid-America Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.02%

802 Ames St, Baldwin City, KS 66006

60 Month CD or IRA - Jumbo

$500

4.55% ▲ 1.64% above avg

View

▼

Rate4.50%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.64% above avg

Details

Jumbo CD; certificate balances $250,000 & above; rates only apply when additional qualifications are met

Rate History

1 change since Oct 14, 2026 · 4.04% → 4.55% ▲ 0.51 pts · high 4.55% / low 4.04%

Oct 20, 20264.55%▲ from 4.04%
Oct 14, 20264.04%first recorded

Utah Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.78%

360 W 4800 N, Provo, UT 84604

Standard Certificate - 60 Months

$500

4.50% ▲ 1.59% above avg

View

▼

Rate4.41%

Min Deposit$500

Min Balance—

Verified and UpdatedOct 26, 2026

MBR National Avg2.91%▲ 1.59% above avg

Details

Personal and Business minimum deposit $500 (Youth $10)

Rate History

No change since Oct 14, 2026 · 4.50% APY · checked 2 times

Disclaimer

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.

National CD Rate Trends

Weekly national average APYs across all 8 CD terms, compiled from 8,500+ banks & credit unions, updated nightly.

View Full CD Trends

12-Month CD, National Avg

2.999%

▼ 0.008 from last week

National 12-month CD rates fell 0.008 points this week to 2.999%, down from 3.007% last week.

6-Month CD, National Avg

2.788%

▼ 0.003 from last week

National 6-month CD rates fell 0.003 points this week to 2.788%, down from 2.791% last week.

CD Rate Averages by Term

National average CD rates as of October 27, 2026, compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Average APY by CD term, with the change from the prior week.
CD Term	National Average APY	Weekly Change
3-Month CD	2.13%	▲ 0.01%
6-Month CD	2.79%	Unchanged
12-Month CD	3.00%	▼ 0.01%
18-Month CD	2.90%	▲ 0.01%
24-Month CD	2.90%	▼ 0.01%
36-Month CD	2.81%	▼ 0.01%
48-Month CD	2.80%	▼ 0.02%
60-Month CD	2.91%	▼ 0.02%

CD Rate Trends

Daily average APYs across all CD terms. Hover over the chart to see exact rates for each day.

As of Oct 27, 2026 • Source: MonitorBankRates • 8,500+ U.S. banks & credit unions

Powered byMonitorBankRates

Top National 12-Month CD Rates, Banks vs. Credit Unions

Highest verified 12-month APYs available nationwide today, updated October 26, 2026. Use the term tabs above for all other terms.

B Top 5 Bank Rates

T Bank

12 Month CD

B+ 4.8 ★ TX: 17.09%

Min: $1,000

4.70%

Gulf Capital Bank

Jumbo Certificates of Deposit - 12 Months

A+ 5.0 ★ TX: 3.09%

Min: $250,000

4.70%

Toyota Financial Savings Bank

12 Month CD

A+ 5.0 ★ TX: 1.12%

Min: $1

4.68%

Morgan Stanley

12 Month Preferred Certificate of Deposit (CD)

A+ 5.0 ★ TX: 2.86%

Min: $1,000

4.65%

Merrick Bank

12 Month High Yield Certificates of Deposit

B+ 4.7 ★ TX: 18.99%

Min: $25,000

4.65%

CU Top 5 Credit Union Rates

Southeast Missouri Community Credit Union

Certificate of Deposit - 12 Month Youth

A+ 5.0 ★ TX: 1.03%

Min: $100

6.14%

Vacationland Federal Credit Union

Youth Certificates - 12 Months

A+ 5.0 ★ TX: 4.80%

Min: $500

6.03%

Congressional Federal Credit Union

Share Certificate - Flexible Saver - 1 Year Certificate

A 5.0 ★ TX: 8.63%

Min: $100

6.00%

CO-OP Credit Union

12 Month Youth Saver Certificate

A+ 5.0 ★ TX: 5.54%

Min: $100

6.00%

Schools Federal Credit Union

12 Month Relationship Certificate

A+ 5.0 ★ TX: 1.87%

Min: $0

5.90%

Rates verified October 26, 2026. Click an institution name to view its full profile, safety ratings, and all CD products.

Powered byMonitorBankRates

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	2.127%	$106.35	$212.71	$531.78	$1,063.55
6-Month CD	2.788%	$139.40	$278.80	$697.00	$1,394.00
12-Month CD	2.999%	$149.97	$299.93	$749.82	$1,499.65
18-Month CD	2.896%	$144.79	$289.58	$723.95	$1,447.90
24-Month CD	2.902%	$145.10	$290.19	$725.48	$1,450.95
36-Month CD	2.811%	$140.57	$281.13	$702.83	$1,405.65
48-Month CD	2.805%	$140.23	$280.47	$701.18	$1,402.35
60-Month CD	2.913%	$145.65	$291.30	$728.25	$1,456.50
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Top offers in the tables above pay well over these averages. Rates as of October 26, 2026.

Powered byMonitorBankRates

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.

Build Your Ladder

Rung	Term	Deposit	National Avg APY	Annual Earnings
1	3-Month CD	$5,000	2.127%	$106.35
2	6-Month CD	$5,000	2.788%	$139.40
3	12-Month CD	$5,000	2.999%	$149.97
4	24-Month CD	$5,000	2.902%	$145.10
5	36-Month CD	$5,000	2.811%	$140.57
Total ($25,000 invested)		$25,000	2.726% blended	$681.39/yr

Ladder example uses equal $5,000 rungs and national average APYs. Actual earnings depend on the specific institution and product chosen. The top offers above pay well over the averages. Use the calculator below to model your exact deposit amounts.

Powered byMonitorBankRates

8,500+

Banks & Credit Unions Monitored Nationwide

Thousands of Rates Tracked All 50 States • Updated Daily

About Our National CD Rate Database

MonitorBankRates monitors CD rates from 8,500+ banks and credit unions across all 50 states, spanning all eight major terms from 3 months to 60 months. The tables above surface the highest-yield offers available nationwide today from the thousands of verified rates in our database, and the state and minimum-deposit filters let you narrow the full database to offers available where you live. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top 12-month rate: Southeast Missouri Community Credit Union offers a 12-month CD at 6.14% APY with a minimum deposit of $100. Use the term tabs above to compare all current national offers.

How to Find the Best CD Rates

What to compare when shopping for a certificate of deposit

To find the best CD APYs, start with credit unions and online-only banks. They consistently offer the highest yields because they have lower overhead than traditional brick-and-mortar banks and compete aggressively for deposits. Use the state filter in the tables above to see how local institutions stack up against the national leaders.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn. The current national average 12-month CD APY is 2.999% , but top institutions are offering as high as 6.14%, so shopping around pays off.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense

You have a planned expense coming up and want your savings to earn while you wait
You expect rates to fall and want to lock in today’s rate
You want FDIC or NCUA protection with a guaranteed fixed return
You’re building a CD ladder for predictable income with regular access to a portion of your savings

Consider an Alternative If…

You may need the funds within 30 days. Compare savings rates instead
Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
You want check-writing access. Compare money market rates

U.S. Saver Snapshot

National demographics and economic context for CD savers, Source: U.S. Census Bureau

Population 65+

17.3%

U.S. average

Median Individual Earnings

$47,340

U.S. average

Poverty Rate

11.1%

U.S. average

Unemployment Rate

4.8%

U.S. average

CD Earnings on 10% of Salary

$142/yr

At national 12-mo avg 2.999% APY

At today’s national 12-month CD average of 2.999%, saving 10% of the U.S. median salary ($4,734/year) and putting it in a CD would earn an additional $142 annually in guaranteed interest, and the top national offers above pay even more.

Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.

CD Rates vs. Other Savings Options

What to compare when choosing between a CD and other deposit accounts

Feature	CD	High-Yield Savings	Money Market	6-Month CD
Rate Type	Fixed APY	Variable APY	Variable APY	Fixed APY
Liquidity	Locked for term	Anytime	Anytime	Locked 6 months
Early Withdrawal	Penalty (months of interest)	None	None	Penalty (90–180 days interest)
FDIC / NCUA Insured	Yes (up to $250K)	Yes (up to $250K)	Yes (up to $250K)	Yes (up to $250K)
Check / Debit Access	No	Usually no	Often yes	No
Best For	Known savings goal, CD ladder	Emergency fund, flexible savings	Liquid savings with check-writing	Slightly higher yield, less urgency

Compare live rates: savings rates · money market rates

CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current top national rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Deposit Amount ($)

CD Term

APY (%)

Interest at Maturity

Ending Balance

Matures

—

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.

Top National CD Rates by Term

Verified October 26, 2026. Click a rate to use its term and APY

Highest verified national APY per term. See the term tabs above for all offers, or use the state filter to find rates near you.

Powered byMonitorBankRates

Frequently Asked Questions about CD Rates

What are CD rates today?

CD rates range from 4.20% to 10.00% APY as of October 26, 2026, verified by MonitorBankRates. Top rates include 6.14% APY at Southeast Missouri Community Credit Union (Certificate of Deposit - 12 Month Youth), 6.03% at Vacationland Federal Credit Union (Youth Certificates - 12 Months) and 6.00% at Congressional Federal Credit Union (Share Certificate - Flexible Saver - 1 Year Certificate), compared with the MonitorBankRates national 12 month average of 3.00% APY.

What is a Certificate of Deposit (CD)?

A Certificate of Deposit (CD) is a savings account that holds a fixed amount of money for a fixed period of time, such as six months, one year, or five years, in exchange for a higher interest rate.

Are CD rates higher than regular savings accounts?

Generally, yes. Because you agree to leave your money in the bank for a set period, banks and credit unions typically offer higher interest rates on CDs compared to standard savings accounts.

Is my money safe in a CD?

Yes. CDs purchased from FDIC-insured banks are insured up to $250,000 per depositor, per institution. CDs at NCUA-insured credit unions carry equivalent protection.

What happens if I withdraw money from a CD early?

If you withdraw funds before the CD's maturity date, you will typically face an early withdrawal penalty, which is often several months of interest depending on the term.

What is APY and how does it differ from the interest rate?

APY (Annual Percentage Yield) reflects the total amount of interest earned in a year, taking compounding into account. The interest rate is the base rate before compounding. APY is always the best number to compare across institutions.

What CD term should I choose?

The right term depends on when you need the money. Short-term CDs (3–6 months) offer flexibility; long-term CDs (3–5 years) often offer higher yields but lock up your funds longer. CD laddering, spreading deposits across multiple terms, is a popular strategy.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates (e.g., 6-month, 1-year, 2-year). As each CD matures, you renew it at the longest term, giving you regular access to a portion of your funds while maximizing yields.

Can I add money to a CD after opening it?

Traditional CDs do not allow additional deposits after the initial opening. However, some institutions offer 'add-on CDs' that permit additional contributions during the term.

CD Calculators

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our nationwide CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields across the country. We feature a comprehensive mix of financial institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly based on Federal Reserve policy and market conditions, every CD product listed features its own specific “last updated” date for full transparency.

Proprietary Institution Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you deposit with secure, reliable institutions.

Disclaimer: Interest rates are variable and subject to change without notice. It is always advisable to verify current offers directly with the institution’s official website. Last Updated and Verified: October 26, 2026