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CD Rate Trends

Connecticut Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Connecticut CD rates range from 0.01% to 4.50% APY, verified by MonitorBankRates as of October 13, 2026. Current Connecticut CD rates include USALLIANCEUSALLIANCE1 Atwood Pl, West Haven, CT 06516 2047A5.0 ★Texas Ratio: 8.11%Real return: +1.70%APY minus CPI (February 2026) offering 12 Month Certificate at 4.50% APY, State Police Credit UnionState Police Credit Union1111 Country Club Rd, Middletown, CT 06457 2389A+5.0 ★Texas Ratio: 0.09%Real return: +1.69%APY minus CPI (February 2026) offering 60 Month Certificate at 4.49% APY, DR BankDR Bank1001 Post Rd, Darien, CT 06820A+5.0 ★Texas Ratio: 1.17%Real return: +1.65%APY minus CPI (February 2026) offering Prime Certificates of Deposit (CD) - 24 month at 4.45% APY, Dutch Point Credit UnionDutch Point Credit Union195 Silas Deane Hwy, Wethersfield, CT 06109 1240A+5.0 ★Texas Ratio: 0.64%Real return: +1.65%APY minus CPI (February 2026) offering 12 Month Jumbo Share Certificates at 4.45% APY, and Navy Federal Credit UnionNavy Federal Credit Union15 Mohegan Ave, New London, CT 06320A5.0 ★Texas Ratio: 8.14%Real return: +1.55%APY minus CPI (February 2026) offering 12 Month Special EasyStart Certificate at 4.35% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Connecticut side-by-side. Connecticut CD rates currently reach as high as 4.50% APY from USALLIANCE at 1 Atwood Pl, West Haven, CT 06516 2047. Rates are continually updated, so we recommend checking back frequently.

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 13, 2026

Compare Best CD Rates in Connecticut

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Connecticut 3 Month CD Rates

MonitorBankRates Connecticut Average · 3 Month CD1.57% APY▲ 0.03% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Connecticut is 1.57% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates 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
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
3 Month Jumbo Share Certificates
$0
4.45% ▲ 2.88% above Connecticut avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average1.57%▲ 2.88% above avgNationally 2.09%
Details

Balance: $300,000.00 and greater

Rate History
No change since Oct 9, 2026 · 4.45% APY · checked 3 times
3.95%4.45%4.95%Oct 9, 2026: 4.45% APYOct 9, 2026Oct 13, 2026
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
3 Month Jumbo Share Certificates
$0
4.35% ▲ 2.78% above Connecticut avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average1.57%▲ 2.78% above avgNationally 2.09%
Details

Balance: $200,000.00 - $299,999.99

Rate History
No change since Oct 9, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 9, 2026: 4.35% APYOct 9, 2026Oct 13, 2026
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
3 Month Jumbo Share Certificates
$0
4.30% ▲ 2.73% above Connecticut avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average1.57%▲ 2.73% above avgNationally 2.09%
Details

Balance: $100,000.00 - $199,999.99

Rate History
No change since Oct 9, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 9, 2026: 4.30% APYOct 9, 2026Oct 13, 2026
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
1001 Post Rd, Darien, CT 06820
Prime Certificates of Deposit (CD) - 3 month
$500
4.05% ▲ 2.48% above Connecticut avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average1.57%▲ 2.48% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 8, 2026: 4.05% APYOct 8, 2026Oct 13, 2026
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
117 Prospect St, Stamford, CT 06901
3 Month CD
$1,000
4.00% ▲ 2.43% above Connecticut avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average1.57%▲ 2.43% above avgNationally 2.09%
Details

Must be opened in branch. New Money Only. This APY is available for new money ( funds not currently on deposit with the Bank ). Subject to change without notice. The term is three (3) months. Interest is compounded and credited to the account monthly. A Penalty may be imposed at the rate paid for withdrawing any of the principal before maturity date and will reduce earnings. Fees could reduce earnings.

Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Oct 13, 2026
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
117 Prospect St, Stamford, CT 06901
3 Month Certificate
$0
4.00% ▲ 2.43% above Connecticut avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average1.57%▲ 2.43% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Oct 13, 2026
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
129 Main St, Torrington, CT 06790
3 Month CD
$1,000
3.79% ▲ 2.22% above Connecticut avg
View
▼
Rate3.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average1.57%▲ 2.22% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 3.79% APY · checked 6 times
3.29%3.79%4.29%Sep 19, 2026: 3.79% APYSep 19, 2026Oct 13, 2026
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
129 Main St, Torrington, CT 06790
3 Month IRA Certificate of Deposit
$1,000
3.79% ▲ 2.22% above Connecticut avg
View
▼
Rate3.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average1.57%▲ 2.22% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.79% APY
3.29%3.79%4.29%Oct 7, 2026: 3.79% APYOct 7, 2026Oct 13, 2026
Northwest Community Bank
Institution Rating:
A4.9 ★Texas Ratio: 7.16%
294 West St, Litchfield, CT 06759
3 Month Time Deposit & IRA
$500
3.70% ▲ 2.13% above Connecticut avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average1.57%▲ 2.13% above avgNationally 2.09%
Details

Rate History
1 change since Sep 24, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
2.95%3.58%4.20%Sep 24, 2026: 3.45% APYOct 7, 2026: 3.70% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20263.70%▲ from 3.45%
  • Sep 24, 20263.45%first recorded
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
87 Church St, Naugatuck, CT 06770
3 Month Certificate
$0
3.70% ▲ 2.13% above Connecticut avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average1.57%▲ 2.13% above avgNationally 2.09%
Details

APY1

Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 24, 2026: 3.70% APYSep 24, 2026Oct 13, 2026
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
87 Church St, Naugatuck, CT 06770
Business 3 Month Certificate
$0
3.70% ▲ 2.13% above Connecticut avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average1.57%▲ 2.13% above avgNationally 2.09%
Details

Rate History
No change since Sep 28, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 28, 2026: 3.70% APYSep 28, 2026Oct 13, 2026
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
87 Church St, Naugatuck, CT 06770
IRA 3 Month Certificate
$0
3.70% ▲ 2.13% above Connecticut avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average1.57%▲ 2.13% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 8, 2026: 3.70% APYOct 8, 2026Oct 13, 2026
Arrha Credit Union 231 Hazard Ave, Enfield, CT 06082 4647
3 Month Premium Certificate
$50,000
3.65% ▲ 2.08% above Connecticut avg
View
▼
Rate3.59%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedSep 24, 2026
Connecticut Average1.57%▲ 2.08% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
Arrha Credit Union 231 Hazard Ave, Enfield, CT 06082 4647
3 Month Certificate
$500
3.55% ▲ 1.98% above Connecticut avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedSep 24, 2026
Connecticut Average1.57%▲ 1.98% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
7 Old Tavern Rd, Orange, CT 06477
3 Month Star Relationship CD
$500
3.50% ▲ 1.93% above Connecticut avg
View
▼
Rate3.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average1.57%▲ 1.93% above avgNationally 2.09%
Details

Early Withdrawal Penalties May Apply; Rates are subject to change at any time

Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 19, 2026: 3.50% APYSep 19, 2026Oct 13, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
39 Clovelly Rd, Stamford, CT 06902
3-Month Share Certificate
$1,000
3.35% ▲ 1.78% above Connecticut avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average1.57%▲ 1.78% above avgNationally 2.09%
Details

Early withdrawal penalty: 3 Months Dividends

Rate History
1 change since Sep 14, 2026 · 3.26% → 3.35% ▲ 0.09 pts · high 3.35% / low 3.26%
2.76%3.30%3.85%Sep 14, 2026: 3.26% APYSep 18, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.35%▲ from 3.26%
  • Sep 14, 20263.26%first recorded
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
7 Old Tavern Rd, Orange, CT 06477
3 Month Certificate of Deposit (CD)
$500
3.00% ▲ 1.43% above Connecticut avg
View
▼
Rate2.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average1.57%▲ 1.43% above avgNationally 2.09%
Details

Early Withdrawal Penalties May Apply; Rates are subject to change at any time

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
245 Long Hill Rd, Middletown, CT 06457
3-Month Business CD
$0
3.00% ▲ 1.43% above Connecticut avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average1.57%▲ 1.43% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
245 Long Hill Rd, Middletown, CT 06457
3-Month CD
$0
3.00% ▲ 1.43% above Connecticut avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average1.57%▲ 1.43% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
520 Cromwell Ave, Rocky Hill, CT 06067
3 Month Share Certificate
$0
3.00% ▲ 1.43% above Connecticut avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average1.57%▲ 1.43% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
45 Commerce Dr, Trumbull, CT 06611 5403
Standard Share Certificates - 3 Month
$0
3.00% ▲ 1.43% above Connecticut avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average1.57%▲ 1.43% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
84 Wadsworth St, Hartford, CT 06106
3 Month Share Certificate
$500
2.84% ▲ 1.27% above Connecticut avg
View
▼
Rate2.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average1.57%▲ 1.27% above avgNationally 2.09%
Details

Compounded: Daily

Rate History
1 change since Sep 14, 2026 · 2.80% → 2.84% ▲ 0.04 pts · high 2.84% / low 2.80%
2.30%2.82%3.34%Sep 14, 2026: 2.80% APYOct 9, 2026: 2.84% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20262.84%▲ from 2.80%
  • Sep 14, 20262.80%first recorded
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
299 Whalley Ave, New Haven, CT 06511
3 Month CD
$0
2.00% ▲ 0.43% above Connecticut avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average1.57%▲ 0.43% above avgNationally 2.09%
Details

Rate History
No change since Sep 11, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 11, 2026: 2.00% APYSep 11, 2026Oct 13, 2026
Hometown Bank Oxford, MA
Institution Rating:
B4.5 ★Texas Ratio: 21.49%
182 Main St, Putnam, CT 06260
3 Month Certificate of Deposit
$1,000
1.55% ▼ 0.02% below Connecticut avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average1.57%▼ 0.02% below avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 1.50% → 1.55% ▲ 0.05 pts · high 1.55% / low 1.50%
1.00%1.53%2.05%Sep 14, 2026: 1.50% APYOct 7, 2026: 1.55% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20261.55%▲ from 1.50%
  • Sep 14, 20261.50%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2 N Main St, Wallingford, CT 06492
3 Month - Relationship
$0
1.00% ▼ 0.57% below Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average1.57%▼ 0.57% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2 N Main St, Wallingford, CT 06492
3 Month Certificate
$0
1.00% ▼ 0.57% below Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average1.57%▼ 0.57% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2 N Main St, Wallingford, CT 06492
3 Month TD Choice CD
$250
1.00% ▼ 0.57% below Connecticut avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average1.57%▼ 0.57% below avgNationally 2.09%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
1 Lafayette Cir Ste 1, Bridgeport, CT 06604 6021
3 Month Certificate
$500
1.00% ▼ 0.57% below Connecticut avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average1.57%▼ 0.57% below avgNationally 2.09%
Details

Savings and IRA (Traditional, Roth, Coverdell) Share Certificates

Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 13, 2026
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
120 Woodford Ave, Plainville, CT 06062 2335
3 month Certificate
$1,000
1.00% ▼ 0.57% below Connecticut avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average1.57%▼ 0.57% below avgNationally 2.09%
Details

Rates effective as of 01/13/26

Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 10 times
0.50%1.00%1.50%Sep 12, 2026: 1.00% APYSep 12, 2026Oct 13, 2026
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
964 Asylum Ave, Hartford, CT 06105
3 Month Certificate and IRA Certificate
$0
1.00% ▼ 0.57% below Connecticut avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average1.57%▼ 0.57% below avgNationally 2.09%
Details

Certificate and IRA Certificate Rates

Rate History
No change since Oct 13, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 13, 2026: 1.00% APYOct 13, 2026Oct 13, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
680 Birch St, Bristol, CT 06010
Investment Share and IRA Certificates - 3 Months
$0
1.00% ▼ 0.57% below Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average1.57%▼ 0.57% below avgNationally 2.09%
Details

Rates accurate as of 9/23/26; A penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
253 West St, Seymour, CT 06483 2648
Business Share Certificates - 3 Months
$500
0.90% ▼ 0.67% below Connecticut avg
View
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average1.57%▼ 0.67% below avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 0.90% APY · checked 2 times
0.40%0.90%1.40%Oct 7, 2026: 0.90% APYOct 7, 2026Oct 13, 2026
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
253 West St, Seymour, CT 06483 2648
Share & IRA Certificates - 3 Months
$500
0.90% ▼ 0.67% below Connecticut avg
View
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average1.57%▼ 0.67% below avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 0.90% APY · checked 2 times
0.40%0.90%1.40%Oct 7, 2026: 0.90% APYOct 7, 2026Oct 13, 2026
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
3 Month Certificate
$500
0.75% ▼ 0.82% below Connecticut avg
View
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average1.57%▼ 0.82% below avgNationally 2.09%
Details

Compounded Monthly

Rate History
No change since Sep 16, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Sep 16, 2026: 0.75% APYSep 16, 2026Oct 13, 2026
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
3 Month IRA Certificate
$500
0.75% ▼ 0.82% below Connecticut avg
View
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average1.57%▼ 0.82% below avgNationally 2.09%
Details

Compounded Monthly

Rate History
No change since Sep 16, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Sep 16, 2026: 0.75% APYSep 16, 2026Oct 13, 2026
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
Roth IRA Certificates - 3 Month Certificate
$500
0.75% ▼ 0.82% below Connecticut avg
View
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average1.57%▼ 0.82% below avgNationally 2.09%
Details

Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education)

Rate History
No change since Oct 12, 2026 · 0.75% APY
0.25%0.75%1.25%Oct 12, 2026: 0.75% APYOct 12, 2026Oct 13, 2026
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
Roth Share Certificate - 3 Month Certificate
$500
0.75% ▼ 0.82% below Connecticut avg
View
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average1.57%▼ 0.82% below avgNationally 2.09%
Details

Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education)

Rate History
No change since Oct 12, 2026 · 0.75% APY
0.25%0.75%1.25%Oct 12, 2026: 0.75% APYOct 12, 2026Oct 13, 2026
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
3 Month IRA Certificate
$0
0.50% ▼ 1.07% below Connecticut avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average1.57%▼ 1.07% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 13, 2026
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
3 Month Share Certificate
$0
0.50% ▼ 1.07% below Connecticut avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average1.57%▼ 1.07% below avgNationally 2.09%
Details

Rate History
No change since Oct 9, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Oct 9, 2026: 0.50% APYOct 9, 2026Oct 13, 2026
GHA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
5 Perryridge Rd, Greenwich, CT 06830 4608
90 Day Share Certificate
$1,000
0.25% ▼ 1.32% below Connecticut avg
View
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average1.57%▼ 1.32% below avgNationally 2.09%
Details

Minimum to open $1000.00; cannot add to certificate once established; rate does not change for term; early withdrawal penalty 90 days of dividends

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
361 MAIN ST, EAST HARTFORD, CT 06118 1879
3 Month IRA Certificate
$0
0.15% ▼ 1.42% below Connecticut avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average1.57%▼ 1.42% below avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 13, 2026
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
361 MAIN ST, EAST HARTFORD, CT 06118 1879
3-Month Certificate
$0
0.15% ▼ 1.42% below Connecticut avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average1.57%▼ 1.42% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 13, 2026
Newtown Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
39 Main St, Newtown, CT 06470
3 Month CD
$0
0.15% ▼ 1.42% below Connecticut avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average1.57%▼ 1.42% below avgNationally 2.09%
Details

Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 13, 2026
Charter Oak Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
32 Chicago Ave, Groton, CT 06340
3 Month Short-Term Share Certificate
$0
0.15% ▼ 1.42% below Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average1.57%▼ 1.42% below avgNationally 2.09%
Details

Rate History
No change since Sep 25, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 25, 2026: 0.15% APYSep 25, 2026Oct 13, 2026
Windsor Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
270 Broad St, Windsor, CT 06095
3 Month Business Certificate of Deposit (CD) Account
$1,000
0.10% ▼ 1.47% below Connecticut avg
View
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average1.57%▼ 1.47% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 8, 2026: 0.10% APYOct 8, 2026Oct 13, 2026
Windsor Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
270 Broad St, Windsor, CT 06095
3 Month Consumer Certificate of Deposit (CD) Account
$1,000
0.10% ▼ 1.47% below Connecticut avg
View
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average1.57%▼ 1.47% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 8, 2026: 0.10% APYOct 8, 2026Oct 13, 2026
Windsor Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
270 Broad St, Windsor, CT 06095
3 Month IRA CD
$1,000
0.10% ▼ 1.47% below Connecticut avg
View
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average1.57%▼ 1.47% below avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYSep 24, 2026Oct 13, 2026
The First Bank of Greenwich
Institution Rating:
A5.0 ★Texas Ratio: 12.44%
444 E Putnam Ave, Cos Cob, CT 06807
3 Month CD
$1,000
0.10% ▼ 1.47% below Connecticut avg
View
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average1.57%▼ 1.47% below avgNationally 2.09%
Details

Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 13, 2026
ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
220 Main St, Danbury, CT 06810
3 Month Certificate
$500
0.10% ▼ 1.47% below Connecticut avg
View
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average1.57%▼ 1.47% below avgNationally 2.09%
Details

Until Maturity

Rate History
No change since Oct 12, 2026 · 0.10% APY
0.00%0.30%0.60%Oct 12, 2026: 0.10% APYOct 12, 2026Oct 13, 2026
CorePlus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
202 Salem Tpke, Norwich, CT 06360
3 Month Share Certificate
$500
0.10% ▼ 1.47% below Connecticut avg
View
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average1.57%▼ 1.47% below avgNationally 2.09%
Details

Rate History
No change since Oct 4, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Oct 4, 2026: 0.10% APYOct 4, 2026Oct 13, 2026

Connecticut 6 Month CD Rates

MonitorBankRates Connecticut Average · 6 Month CD2.48% APY▲ 0.02% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Connecticut is 2.48% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates 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
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
6 Month Jumbo Share Certificates
$0
4.45% ▲ 1.97% above Connecticut avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.48%▲ 1.97% above avgNationally 2.78%
Details

Balance: $300,000.00 and greater

Rate History
No change since Oct 9, 2026 · 4.45% APY · checked 3 times
3.95%4.45%4.95%Oct 9, 2026: 4.45% APYOct 9, 2026Oct 13, 2026
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
6 Month Jumbo Share Certificates
$0
4.35% ▲ 1.87% above Connecticut avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.48%▲ 1.87% above avgNationally 2.78%
Details

Balance: $200,000.00 - $299,999.99

Rate History
No change since Oct 9, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 9, 2026: 4.35% APYOct 9, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
100 First Stamford Pl Ste 615, Stamford, CT 06902
6 Month 360 CDs
$0
4.30% ▲ 1.82% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.48%▲ 1.82% above avgNationally 2.78%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
1001 Post Rd, Darien, CT 06820
Prime Certificates of Deposit (CD) - 6 month
$500
4.30% ▲ 1.82% above Connecticut avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.48%▲ 1.82% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 8, 2026: 4.30% APYOct 8, 2026Oct 13, 2026
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
6 Month Jumbo Share Certificates
$0
4.30% ▲ 1.82% above Connecticut avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.48%▲ 1.82% above avgNationally 2.78%
Details

Balance: $100,000.00 - $199,999.99

Rate History
No change since Oct 9, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 9, 2026: 4.30% APYOct 9, 2026Oct 13, 2026
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
339 N Elm St, Torrington, CT 06790
6 Month Share Certificate Special
$0
4.25% ▲ 1.77% above Connecticut avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.48%▲ 1.77% above avgNationally 2.78%
Details

Special certificate; certificate compounding monthly; $500 minimum to earn APY; penalty for early withdrawal; rates as of 5/01/2026

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
30 Bridge St, Suffield, CT 06078
6 Month CD
$0
4.20% ▲ 1.72% above Connecticut avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.48%▲ 1.72% above avgNationally 2.78%
Details

Early Withdrawal Penalty: 3 months' interest

Rate History
1 change since Sep 24, 2026 · 3.95% → 4.20% ▲ 0.25 pts · high 4.20% / low 3.95%
3.45%4.08%4.70%Sep 24, 2026: 3.95% APYOct 1, 2026: 4.20% APYSep 24, 2026Oct 13, 2026
  • Oct 1, 20264.20%▲ from 3.95%
  • Sep 24, 20263.95%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
75 Holly Hill Ln, Greenwich, CT 06830
6-MONTH CD
$2,500
4.10% ▲ 1.62% above Connecticut avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.48%▲ 1.62% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
1111 Country Club Rd, Middletown, CT 06457 2389
6 Month Certificate
$0
4.08% ▲ 1.60% above Connecticut avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.48%▲ 1.60% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 4.08% APY · checked 3 times
3.58%4.08%4.58%Oct 9, 2026: 4.08% APYOct 9, 2026Oct 13, 2026
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
516 Spring St, Windsor Locks, CT 06096
6 Months Outside Funds
$0
4.07% ▲ 1.59% above Connecticut avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.48%▲ 1.59% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 13, 2026
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
253 High St, Hartford, CT 06103
6 Month Term Share Certificate
$0
4.02% ▲ 1.54% above Connecticut avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.48%▲ 1.54% above avgNationally 2.78%
Details

Effective 10/01/2026

Rate History
1 change since Sep 25, 2026 · 3.76% → 4.02% ▲ 0.26 pts · high 4.02% / low 3.76%
3.26%3.89%4.52%Sep 25, 2026: 3.76% APYOct 4, 2026: 4.02% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.02%▲ from 3.76%
  • Sep 25, 20263.76%first recorded
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
245 Long Hill Rd, Middletown, CT 06457
6-Month CD
$0
4.00% ▲ 1.52% above Connecticut avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.48%▲ 1.52% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
120 Woodford Ave, Plainville, CT 06062 2335
6 month Certificate
$1,000
4.00% ▲ 1.52% above Connecticut avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.48%▲ 1.52% above avgNationally 2.78%
Details

Rates effective as of 01/13/26

Rate History
1 change since Sep 12, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 12, 2026: 3.75% APYOct 8, 2026: 4.00% APYSep 12, 2026Oct 13, 2026
  • Oct 8, 20264.00%▲ from 3.75%
  • Sep 12, 20263.75%first recorded
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
39 Clovelly Rd, Stamford, CT 06902
6-Month Share Certificate
$1,000
4.00% ▲ 1.52% above Connecticut avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.48%▲ 1.52% above avgNationally 2.78%
Details

Early withdrawal penalty: 3 Months Dividends

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.00% ▲ 0.13 pts · high 4.00% / low 3.87%
3.37%3.94%4.50%Sep 14, 2026: 3.87% APYSep 18, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.00%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
520 Cromwell Ave, Rocky Hill, CT 06067
6 Month Share Certificate
$0
4.00% ▲ 1.52% above Connecticut avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.48%▲ 1.52% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 18, 2026 · 4.00% → 4.00% ▼ 0.00 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 18, 2026: 4.00% APYOct 1, 2026: 3.75% APYOct 10, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.75%
  • Oct 1, 20263.75%▼ from 4.00%
  • Sep 18, 20264.00%first recorded
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
21 Silas Deane Hwy, Wethersfield, CT 06109
Certificate - 6 Month
$0
3.95% ▲ 1.47% above Connecticut avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.48%▲ 1.47% above avgNationally 2.78%
Details

Dividends post at certificate maturity; Maximum Balance: $1,000,000 per member; Withdrawal before maturity subject to penalty

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
21 Silas Deane Hwy, Wethersfield, CT 06109
IRA Certificate 6 months
$0
3.95% ▲ 1.47% above Connecticut avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.48%▲ 1.47% above avgNationally 2.78%
Details

IRA Certificate; Rates effective as of 10/12/2026; NCUA-insured: Yes

Rate History
No change since Oct 8, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 8, 2026: 3.95% APYOct 8, 2026Oct 13, 2026
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
777 E Main St, Torrington, CT 06790 3915
6 Month Share Certificate - Regular/IRA
$0
3.82% ▲ 1.34% above Connecticut avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.48%▲ 1.34% above avgNationally 2.78%
Details

Type: Regular/IRA; $500 minimum balance required; dividends declared and paid monthly on average daily balance; penalty may apply for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 13, 2026: 3.82% APYOct 13, 2026Oct 13, 2026
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
245 Long Hill Rd, Middletown, CT 06457
6-Month Business CD
$0
3.80% ▲ 1.32% above Connecticut avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.48%▲ 1.32% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 24, 2026: 3.80% APYSep 24, 2026Oct 13, 2026
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
245 Long Hill Rd, Middletown, CT 06457
6-Month HSA CD
$0
3.80% ▲ 1.32% above Connecticut avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.48%▲ 1.32% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 24, 2026: 3.80% APYSep 24, 2026Oct 13, 2026
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
361 MAIN ST, EAST HARTFORD, CT 06118 1879
6 Month IRA Certificate
$0
3.75% ▲ 1.27% above Connecticut avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.48%▲ 1.27% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
361 MAIN ST, EAST HARTFORD, CT 06118 1879
6-Month Certificate
$0
3.75% ▲ 1.27% above Connecticut avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.48%▲ 1.27% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
203 Main St, Thomaston, CT 06787
6 Month Business Certificate of Deposit - Fixed Rate
$1,000
3.75% ▲ 1.27% above Connecticut avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.48%▲ 1.27% above avgNationally 2.78%
Details

Interest Rate $1,000 - $249,999.99 Daily balance to earn APY

Rate History
1 change since Sep 19, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 19, 2026: 3.50% APYOct 7, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
203 Main St, Thomaston, CT 06787
6 Month Certificate of Deposit - Fixed Rate
$1,000
3.75% ▲ 1.27% above Connecticut avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.48%▲ 1.27% above avgNationally 2.78%
Details

Rate History
1 change since Sep 19, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 19, 2026: 3.50% APYOct 7, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
6 Month Certificate
$500
3.75% ▲ 1.27% above Connecticut avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.48%▲ 1.27% above avgNationally 2.78%
Details

Compounded Monthly

Rate History
1 change since Sep 16, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 16, 2026: 3.50% APYOct 12, 2026: 3.75% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20263.75%▲ from 3.50%
  • Sep 16, 20263.50%first recorded
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
6 Month IRA Certificate
$500
3.75% ▲ 1.27% above Connecticut avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.48%▲ 1.27% above avgNationally 2.78%
Details

Compounded Monthly

Rate History
1 change since Sep 16, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 16, 2026: 3.50% APYOct 12, 2026: 3.75% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20263.75%▲ from 3.50%
  • Sep 16, 20263.50%first recorded
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
Roth IRA Certificates - 6 Month Certificate
$500
3.75% ▲ 1.27% above Connecticut avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.48%▲ 1.27% above avgNationally 2.78%
Details

Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education)

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 13, 2026
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
Roth Share Certificate - 6 Month Certificate
$500
3.75% ▲ 1.27% above Connecticut avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.48%▲ 1.27% above avgNationally 2.78%
Details

Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education)

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 13, 2026
FD Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
601 Watertown Ave, Waterbury, CT 06708
6 Month CD Only
$500
3.75% ▲ 1.27% above Connecticut avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.48%▲ 1.27% above avgNationally 2.78%
Details

dividends compounded monthly. Early withdrawal penalty = 90 days dividend.

Rate History
1 change since Sep 20, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 20, 2026: 4.00% APYOct 8, 2026: 3.75% APYSep 20, 2026Oct 13, 2026
  • Oct 8, 20263.75%▼ from 4.00%
  • Sep 20, 20264.00%first recorded
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
680 Birch St, Bristol, CT 06010
Investment Share and IRA Certificates - 6 Months
$0
3.75% ▲ 1.27% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.48%▲ 1.27% above avgNationally 2.78%
Details

Rates accurate as of 9/23/26; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 14, 2026: 3.25% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.75%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
84 Wadsworth St, Hartford, CT 06106
6 Month Share Certificate
$500
3.75% ▲ 1.27% above Connecticut avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.48%▲ 1.27% above avgNationally 2.78%
Details

Compounded: Daily

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Lawrence Memorial Hospital Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
365 Montauk Ave, New London, CT 06320
6 Month Certificate
$0
3.75% ▲ 1.27% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.48%▲ 1.27% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 13, 2026
Bankwell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
156 Cherry St, New Canaan, CT 06840
6 Month CD
$1,000
3.70% ▲ 1.22% above Connecticut avg
View
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.48%▲ 1.22% above avgNationally 2.78%
Details

Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Fees may reduce earnings. This offer is not available to brokers or financial institutions. Offer may be withdrawn at any time.

Rate History
No change since Sep 27, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 27, 2026: 3.70% APYSep 27, 2026Oct 13, 2026
Arrha Credit Union 231 Hazard Ave, Enfield, CT 06082 4647
6 Month Premium Certificate
$50,000
3.65% ▲ 1.17% above Connecticut avg
View
▼
Rate3.59%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedSep 24, 2026
Connecticut Average2.48%▲ 1.17% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
516 Spring St, Windsor Locks, CT 06096
6 Months Existing Funds
$0
3.56% ▲ 1.08% above Connecticut avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.48%▲ 1.08% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 8, 2026: 3.56% APYOct 8, 2026Oct 13, 2026
Achieve Financial Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.09%
279 New Britain Rd, Berlin, CT 06037
6 Month Share Certificate
$0
3.56% ▲ 1.08% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.48%▲ 1.08% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Achieve Financial Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.09%
279 New Britain Rd, Berlin, CT 06037
Share Certificate - 6 Months
$0
3.56% ▲ 1.08% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.48%▲ 1.08% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
285 Broad St, Meriden, CT 06450 5847
6 Month Share Certificate
$0
3.56% ▲ 1.08% above Connecticut avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.48%▲ 1.08% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.30% → 3.56% ▲ 0.26 pts · high 3.56% / low 3.30%
2.80%3.43%4.06%Sep 18, 2026: 3.30% APYOct 6, 2026: 3.56% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.56%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14 Clara Dr, Mystic, CT 06355
6-Month Relationship CD
$500
3.55% ▲ 1.07% above Connecticut avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.48%▲ 1.07% above avgNationally 2.78%
Details

Special offer for Washington Trust Freedom Ultra or Freedom Plus checking account customers! Open in branch or over the phone. No municipal or government funds.

Rate History
No change since Sep 27, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 27, 2026: 3.55% APYSep 27, 2026Oct 13, 2026
Arrha Credit Union 231 Hazard Ave, Enfield, CT 06082 4647
6 Month Certificate
$500
3.55% ▲ 1.07% above Connecticut avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedSep 24, 2026
Connecticut Average2.48%▲ 1.07% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Norwalk Hospital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
31 1 2 Stevens St, Norwalk, CT 06850 3805
6 Month Certificates
$1,000
3.55% ▲ 1.07% above Connecticut avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.48%▲ 1.07% above avgNationally 2.78%
Details

Dividends posted quarterly and paid at maturity; premature withdrawal results in dividend penalty; may be loss of some accrued interest for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
7 Old Tavern Rd, Orange, CT 06477
6 Month Star Relationship CD
$500
3.50% ▲ 1.02% above Connecticut avg
View
▼
Rate3.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.48%▲ 1.02% above avgNationally 2.78%
Details

Early Withdrawal Penalties May Apply; Rates are subject to change at any time

Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 19, 2026: 3.50% APYSep 19, 2026Oct 13, 2026
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
129 Main St, Torrington, CT 06790
6 Month CD
$1,000
3.50% ▲ 1.02% above Connecticut avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.48%▲ 1.02% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 19, 2026: 3.50% APYSep 19, 2026Oct 13, 2026
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
129 Main St, Torrington, CT 06790
6 Month IRA Certificate of Deposit
$1,000
3.50% ▲ 1.02% above Connecticut avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.48%▲ 1.02% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
100 First Stamford Pl Ste 615, Stamford, CT 06902
6 Month Certificate
$0
3.30% ▲ 0.82% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.48%▲ 0.82% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 7, 2026: 3.30% APYOct 7, 2026Oct 13, 2026
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14 Clara Dr, Mystic, CT 06355
6 Month Certificate
$0
3.30% ▲ 0.82% above Connecticut avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.48%▲ 0.82% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 13, 2026
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
803 Main St, Willimantic, CT 06226
6-Month Certificate of Deposit (CD)
$1,000
3.30% ▲ 0.82% above Connecticut avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.48%▲ 0.82% above avgNationally 2.78%
Details

Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 28, 2026: 3.30% APYSep 28, 2026Oct 13, 2026
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
803 Main St, Willimantic, CT 06226
Beacon One 6 Month CD
$1,000
3.30% ▲ 0.82% above Connecticut avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.48%▲ 0.82% above avgNationally 2.78%
Details

Must be an OWNER on a Beacon Bank checking account. Balance cannot exceed $1,000,000.

Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 28, 2026: 3.30% APYSep 28, 2026Oct 13, 2026
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
7 Old Tavern Rd, Orange, CT 06477
6 Month Certificate of Deposit (CD)
$500
3.00% ▲ 0.52% above Connecticut avg
View
▼
Rate2.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.48%▲ 0.52% above avgNationally 2.78%
Details

Early Withdrawal Penalties May Apply; Rates are subject to change at any time

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
220 Main St, Danbury, CT 06810
6 Month Certificate
$500
3.00% ▲ 0.52% above Connecticut avg
View
▼
Rate2.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.48%▲ 0.52% above avgNationally 2.78%
Details

Until Maturity

Rate History
No change since Oct 12, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 12, 2026: 3.00% APYOct 12, 2026Oct 13, 2026

Connecticut 12 Month CD Rates

MonitorBankRates Connecticut Average · 12 Month CD2.68% APY▲ 0.02% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Connecticut is 2.68% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates 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
USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1 Atwood Pl, West Haven, CT 06516 2047
12 Month Certificate
$0
4.50% ▲ 1.82% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.68%▲ 1.82% above avgNationally 2.99%
Details

Special Rate

Rate History
1 change since Sep 14, 2026 · 4.36% → 4.50% ▲ 0.14 pts · high 4.50% / low 4.36%
3.86%4.43%5.00%Sep 14, 2026: 4.36% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.50%▲ from 4.36%
  • Sep 14, 20264.36%first recorded
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
12 Month Jumbo Share Certificates
$0
4.45% ▲ 1.77% above Connecticut avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.68%▲ 1.77% above avgNationally 2.99%
Details

Balance: $300,000.00 and greater

Rate History
No change since Oct 9, 2026 · 4.45% APY · checked 3 times
3.95%4.45%4.95%Oct 9, 2026: 4.45% APYOct 9, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
15 Mohegan Ave, New London, CT 06320
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.67% above Connecticut avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.68%▲ 1.67% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
1001 Post Rd, Darien, CT 06820
Prime Certificates of Deposit (CD) - 12 month
$500
4.35% ▲ 1.67% above Connecticut avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.68%▲ 1.67% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 13, 2026
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
12 Month Jumbo Share Certificates
$0
4.35% ▲ 1.67% above Connecticut avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.68%▲ 1.67% above avgNationally 2.99%
Details

Balance: $200,000.00 - $299,999.99

Rate History
No change since Oct 9, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 9, 2026: 4.35% APYOct 9, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
100 First Stamford Pl Ste 615, Stamford, CT 06902
12 Month 360 CDs
$0
4.30% ▲ 1.62% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.68%▲ 1.62% above avgNationally 2.99%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
12 Month Jumbo IRA Certificate
$0
4.30% ▲ 1.62% above Connecticut avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.68%▲ 1.62% above avgNationally 2.99%
Details

Jumbo IRA Certificate

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 18, 2026: 4.00% APYOct 9, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.30%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
12 Month Jumbo Share Certificates
$0
4.30% ▲ 1.62% above Connecticut avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.68%▲ 1.62% above avgNationally 2.99%
Details

Balance: $100,000.00 - $199,999.99

Rate History
No change since Oct 9, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 9, 2026: 4.30% APYOct 9, 2026Oct 13, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
75 Holly Hill Ln, Greenwich, CT 06830
12-MONTH CD
$500
4.30% ▲ 1.62% above Connecticut avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.68%▲ 1.62% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.30%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
39 Clovelly Rd, Stamford, CT 06902
1-Year Share Certificate
$1,000
4.10% ▲ 1.42% above Connecticut avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.68%▲ 1.42% above avgNationally 2.99%
Details

Early withdrawal penalty: 3 Months Dividends

Rate History
1 change since Sep 14, 2026 · 3.93% → 4.10% ▲ 0.17 pts · high 4.10% / low 3.93%
3.43%4.02%4.60%Sep 14, 2026: 3.93% APYSep 18, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.10%▲ from 3.93%
  • Sep 14, 20263.93%first recorded
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
30 Bridge St, Suffield, CT 06078
12 Month CD
$0
4.10% ▲ 1.42% above Connecticut avg
View
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.68%▲ 1.42% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 3 months' interest

Rate History
1 change since Sep 24, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 24, 2026: 3.85% APYOct 1, 2026: 4.10% APYSep 24, 2026Oct 13, 2026
  • Oct 1, 20264.10%▲ from 3.85%
  • Sep 24, 20263.85%first recorded
New Haven County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
2 Broadway, North Haven, CT 06473
1 Year Share Certificate
$0
4.08% ▲ 1.40% above Connecticut avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.68%▲ 1.40% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 6 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 13, 2026
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
1111 Country Club Rd, Middletown, CT 06457 2389
12 Month Certificate
$0
4.08% ▲ 1.40% above Connecticut avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.68%▲ 1.40% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
3.32%3.95%4.58%Sep 14, 2026: 3.82% APYOct 9, 2026: 4.08% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.08%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
253 High St, Hartford, CT 06103
1 Year Term Share Certificate
$0
4.07% ▲ 1.39% above Connecticut avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.68%▲ 1.39% above avgNationally 2.99%
Details

Effective 10/01/2026

Rate History
1 change since Sep 12, 2026 · 3.76% → 4.07% ▲ 0.31 pts · high 4.07% / low 3.76%
3.26%3.92%4.57%Sep 12, 2026: 3.76% APYOct 4, 2026: 4.07% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20264.07%▲ from 3.76%
  • Sep 12, 20263.76%first recorded
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
777 E Main St, Torrington, CT 06790 3915
12 Month Share Certificate - Regular/IRA
$0
4.07% ▲ 1.39% above Connecticut avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.68%▲ 1.39% above avgNationally 2.99%
Details

Type: Regular/IRA; $500 minimum balance required; dividends declared and paid monthly on average daily balance; penalty may apply for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 13, 2026: 4.07% APYOct 13, 2026Oct 13, 2026
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
520 Cromwell Ave, Rocky Hill, CT 06067
12 Month Share Certificate
$0
4.07% ▲ 1.39% above Connecticut avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.68%▲ 1.39% above avgNationally 2.99%
Details

Rate History
3 changes since Sep 18, 2026 · 4.07% → 4.07% ▼ 0.00 pts · high 4.07% / low 4.07%
3.57%4.07%4.57%Sep 18, 2026: 4.07% APYSep 22, 2026: 4.07% APYSep 27, 2026: 4.07% APYOct 1, 2026: 4.07% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.07%▼ from 4.07%
  • Sep 27, 20264.07%▼ from 4.07%
  • Sep 22, 20264.07%▼ from 4.07%
  • Sep 18, 20264.07%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
100 First Stamford Pl Ste 615, Stamford, CT 06902
1-year online CDs
$0
4.00% ▲ 1.32% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.68%▲ 1.32% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
100 First Stamford Pl Ste 615, Stamford, CT 06902
12 Month Certificate
$0
4.00% ▲ 1.32% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.68%▲ 1.32% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
15 Mohegan Ave, New London, CT 06320
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 1.32% above Connecticut avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.68%▲ 1.32% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
203 Main St, Thomaston, CT 06787
12 Month Business Certificate of Deposit - Fixed Rate
$1,000
4.00% ▲ 1.32% above Connecticut avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.68%▲ 1.32% above avgNationally 2.99%
Details

Interest Rate $1,000 - $249,999.99 Daily balance to earn APY

Rate History
1 change since Sep 19, 2026 · 2.95% → 4.00% ▲ 1.05 pts · high 4.00% / low 2.95%
1.90%3.48%5.05%Sep 19, 2026: 2.95% APYOct 7, 2026: 4.00% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 2.95%
  • Sep 19, 20262.95%first recorded
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
203 Main St, Thomaston, CT 06787
12 Month Certificate of Deposit - Fixed Rate
$1,000
4.00% ▲ 1.32% above Connecticut avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.68%▲ 1.32% above avgNationally 2.99%
Details

Rate History
1 change since Sep 19, 2026 · 2.95% → 4.00% ▲ 1.05 pts · high 4.00% / low 2.95%
1.90%3.48%5.05%Sep 19, 2026: 2.95% APYOct 7, 2026: 4.00% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 2.95%
  • Sep 19, 20262.95%first recorded
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
12 Month Certificate
$500
4.00% ▲ 1.32% above Connecticut avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.68%▲ 1.32% above avgNationally 2.99%
Details

Compounded Monthly

Rate History
1 change since Sep 16, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
3.15%3.83%4.50%Sep 16, 2026: 3.65% APYOct 12, 2026: 4.00% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20264.00%▲ from 3.65%
  • Sep 16, 20263.65%first recorded
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
12 Month IRA Certificate
$500
4.00% ▲ 1.32% above Connecticut avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.68%▲ 1.32% above avgNationally 2.99%
Details

Compounded Monthly

Rate History
1 change since Sep 16, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
3.15%3.83%4.50%Sep 16, 2026: 3.65% APYOct 12, 2026: 4.00% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20264.00%▲ from 3.65%
  • Sep 16, 20263.65%first recorded
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
Roth IRA Certificates - 12 Month Certificate
$500
4.00% ▲ 1.32% above Connecticut avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.68%▲ 1.32% above avgNationally 2.99%
Details

Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education)

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
Roth Share Certificate - 12 Month Certificate
$500
4.00% ▲ 1.32% above Connecticut avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.68%▲ 1.32% above avgNationally 2.99%
Details

Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education)

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
21 Silas Deane Hwy, Wethersfield, CT 06109
12 Month IRA Certificates
$0
4.00% ▲ 1.32% above Connecticut avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.68%▲ 1.32% above avgNationally 2.99%
Details

NCUA-insured; Rates effective as of 10/12/2026

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
21 Silas Deane Hwy, Wethersfield, CT 06109
Certificate - 1 Year
$0
4.00% ▲ 1.32% above Connecticut avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.68%▲ 1.32% above avgNationally 2.99%
Details

Dividends compound quarterly; Maximum Balance: $1,000,000 per member; Withdrawal before maturity subject to penalty

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
339 N Elm St, Torrington, CT 06790
12 Month IRA & Roth IRA Certificates
$0
4.00% ▲ 1.32% above Connecticut avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.68%▲ 1.32% above avgNationally 2.99%
Details

Certificate compounding monthly; $500 minimum to earn APY; penalty for early withdrawal; rates as of 5/1/2026

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Bankwell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
156 Cherry St, New Canaan, CT 06840
12 Month CD
$1,000
3.80% ▲ 1.12% above Connecticut avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.68%▲ 1.12% above avgNationally 2.99%
Details

Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Fees may reduce earnings. This offer is not available to brokers or financial institutions. Offer may be withdrawn at any time.

Rate History
No change since Sep 27, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 27, 2026: 3.80% APYSep 27, 2026Oct 13, 2026
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
253 West St, Seymour, CT 06483 2648
Business Share Certificates - 12 Months Jumbo
$100,000
3.75% ▲ 1.07% above Connecticut avg
View
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.68%▲ 1.07% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
253 West St, Seymour, CT 06483 2648
Share & IRA Certificates - 12 Months Jumbo
$100,000
3.75% ▲ 1.07% above Connecticut avg
View
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.68%▲ 1.07% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
680 Birch St, Bristol, CT 06010
Investment Share and IRA Certificates - 12 Months
$0
3.75% ▲ 1.07% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.68%▲ 1.07% above avgNationally 2.99%
Details

Rates accurate as of 9/23/26; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 2.75% → 3.75% ▲ 1.00 pts · high 3.75% / low 2.75%
1.75%3.25%4.75%Sep 14, 2026: 2.75% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.75%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
12 Month Freestyle Certificate
$0
3.75% ▲ 1.07% above Connecticut avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.68%▲ 1.07% above avgNationally 2.99%
Details

***

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
FD Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
601 Watertown Ave, Waterbury, CT 06708
12 Month Certificate
$500
3.65% ▲ 0.97% above Connecticut avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.68%▲ 0.97% above avgNationally 2.99%
Details

dividends compounded monthly. Early withdrawal penalty = 180 days dividend.

Rate History
No change since Sep 20, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 20, 2026: 3.65% APYSep 20, 2026Oct 13, 2026
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
253 West St, Seymour, CT 06483 2648
Business Share Certificates - 12 Months
$500
3.60% ▲ 0.92% above Connecticut avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.68%▲ 0.92% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
253 West St, Seymour, CT 06483 2648
Share & IRA Certificates - 12 Months
$500
3.60% ▲ 0.92% above Connecticut avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.68%▲ 0.92% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
2 Furnace Ave, Stafford Springs, CT 06076
1 Year Certificate
$0
3.57% ▲ 0.89% above Connecticut avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.68%▲ 0.89% above avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 3.57% APY · checked 6 times
3.07%3.57%4.07%Sep 19, 2026: 3.57% APYSep 19, 2026Oct 13, 2026
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
516 Spring St, Windsor Locks, CT 06096
12 Month Certificate
$0
3.56% ▲ 0.88% above Connecticut avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.68%▲ 0.88% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 8, 2026: 3.56% APYOct 8, 2026Oct 13, 2026
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
14 Research Drive, Bethel, CT 06810
12 Month Regular term and IRA Certificates
$2,500
3.56% ▲ 0.88% above Connecticut avg
View
▼
Rate3.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.68%▲ 0.88% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.41% → 3.56% ▲ 0.15 pts · high 3.56% / low 3.41%
2.91%3.49%4.06%Sep 18, 2026: 3.41% APYSep 27, 2026: 3.56% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20263.56%▲ from 3.41%
  • Sep 18, 20263.41%first recorded
MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
285 Broad St, Meriden, CT 06450 5847
12 Month Share Certificate
$0
3.56% ▲ 0.88% above Connecticut avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.68%▲ 0.88% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.30% → 3.56% ▲ 0.26 pts · high 3.56% / low 3.30%
2.80%3.43%4.06%Sep 18, 2026: 3.30% APYOct 6, 2026: 3.56% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.56%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
366 Main St, Middletown, CT 06457
CD & IRA - 12 Months
$1,000
3.50% ▲ 0.82% above Connecticut avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.68%▲ 0.82% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Tobacco Valley Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
182 South Rd, Enfield, CT 06082 4454
1 Year Share Certificate
$1,000
3.50% ▲ 0.82% above Connecticut avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.68%▲ 0.82% above avgNationally 2.99%
Details

Additional amounts in $500 increments; dividends paid quarterly, not compounded

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 13, 2026
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
84 Wadsworth St, Hartford, CT 06106
12 Month Share Certificate
$500
3.50% ▲ 0.82% above Connecticut avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.68%▲ 0.82% above avgNationally 2.99%
Details

Compounded: Daily

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Arrha Credit Union 231 Hazard Ave, Enfield, CT 06082 4647
12 Month Premium Certificate
$50,000
3.45% ▲ 0.77% above Connecticut avg
View
▼
Rate3.40%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedSep 24, 2026
Connecticut Average2.68%▲ 0.77% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 13, 2026
Jewett City Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
111 Main St, Jewett City, CT 06351
IRA CD Special for Contributions Only - 1 Year
$1,000
3.40% ▲ 0.72% above Connecticut avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.68%▲ 0.72% above avgNationally 2.99%
Details

Available for current year IRA contributions only of up to $8,600. Open in branch only.

Rate History
No change since Sep 24, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 24, 2026: 3.40% APYSep 24, 2026Oct 13, 2026
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
1 Lafayette Cir Ste 1, Bridgeport, CT 06604 6021
1 Year Certificate
$500
3.35% ▲ 0.67% above Connecticut avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.68%▲ 0.67% above avgNationally 2.99%
Details

Savings and IRA (Traditional, Roth, Coverdell) Share Certificates

Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 8, 2026: 3.35% APYOct 8, 2026Oct 13, 2026
Arrha Credit Union 231 Hazard Ave, Enfield, CT 06082 4647
12 Month Certificate
$500
3.35% ▲ 0.67% above Connecticut avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedSep 24, 2026
Connecticut Average2.68%▲ 0.67% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
624 Franklin Ave, Hartford, CT 06114
12 Month Step Up Certificate
$25
3.30% ▲ 0.62% above Connecticut avg
View
▼
RateN/A
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.68%▲ 0.62% above avgNationally 2.99%
Details

Contribute $25 per pay period; automatic deposits of at least $25 per paycheck required

Rate History
No change since Oct 12, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 12, 2026: 3.30% APYOct 12, 2026Oct 13, 2026
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
11 Cranbrook Blvd, Enfield, CT 06082
12 Month Certificate
$1,000
3.30% ▲ 0.62% above Connecticut avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.68%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 25, 2026: 3.30% APYSep 25, 2026Oct 13, 2026
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
7 Old Tavern Rd, Orange, CT 06477
1 Year Star Relationship CD
$500
3.27% ▲ 0.59% above Connecticut avg
View
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.68%▲ 0.59% above avgNationally 2.99%
Details

Early Withdrawal Penalties May Apply; Rates are subject to change at any time

Rate History
No change since Sep 19, 2026 · 3.27% APY · checked 7 times
2.77%3.27%3.77%Sep 19, 2026: 3.27% APYSep 19, 2026Oct 13, 2026

Connecticut 18 Month CD Rates

MonitorBankRates Connecticut Average · 18 Month CD2.47% APY▲ 0.02% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Connecticut is 2.47% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates 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
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
1001 Post Rd, Darien, CT 06820
Prime Certificates of Deposit (CD) - 18 month
$500
4.40% ▲ 1.93% above Connecticut avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.47%▲ 1.93% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 8, 2026: 4.40% APYOct 8, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
100 First Stamford Pl Ste 615, Stamford, CT 06902
18 Month 360 CDs
$0
4.30% ▲ 1.83% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.47%▲ 1.83% above avgNationally 2.87%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
75 Holly Hill Ln, Greenwich, CT 06830
18-MONTH CD
$500
4.25% ▲ 1.78% above Connecticut avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.47%▲ 1.78% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
Northwest Community Bank
Institution Rating:
A4.9 ★Texas Ratio: 7.16%
294 West St, Litchfield, CT 06759
18 Month Time Deposit & IRA
$500
4.15% ▲ 1.68% above Connecticut avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.47%▲ 1.68% above avgNationally 2.87%
Details

Rate History
1 change since Sep 24, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
3.30%3.98%4.65%Sep 24, 2026: 3.80% APYOct 7, 2026: 4.15% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 3.80%
  • Sep 24, 20263.80%first recorded
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
203 Main St, Thomaston, CT 06787
18 Month Business Certificate of Deposit - Fixed Rate
$1,000
4.15% ▲ 1.68% above Connecticut avg
View
▼
Rate4.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.47%▲ 1.68% above avgNationally 2.87%
Details

Interest Rate $1,000 - $249,999.99 Daily balance to earn APY

Rate History
1 change since Sep 19, 2026 · 3.30% → 4.15% ▲ 0.85 pts · high 4.15% / low 3.30%
2.45%3.73%5.00%Sep 19, 2026: 3.30% APYOct 7, 2026: 4.15% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 3.30%
  • Sep 19, 20263.30%first recorded
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
203 Main St, Thomaston, CT 06787
18 Month Certificate of Deposit - Fixed Rate
$1,000
4.15% ▲ 1.68% above Connecticut avg
View
▼
Rate4.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.47%▲ 1.68% above avgNationally 2.87%
Details

Rate History
1 change since Sep 19, 2026 · 3.30% → 4.15% ▲ 0.85 pts · high 4.15% / low 3.30%
2.45%3.73%5.00%Sep 19, 2026: 3.30% APYOct 7, 2026: 4.15% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 3.30%
  • Sep 19, 20263.30%first recorded
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
777 E Main St, Torrington, CT 06790 3915
18 Month Share Certificate - Regular/IRA
$0
4.07% ▲ 1.60% above Connecticut avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.47%▲ 1.60% above avgNationally 2.87%
Details

Type: Regular/IRA; $500 minimum balance required; dividends declared and paid monthly on average daily balance; penalty may apply for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 13, 2026: 4.07% APYOct 13, 2026Oct 13, 2026
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
105 Meriden Rd, Waterbury, CT 06705
18-Month CD
$500
4.00% ▲ 1.53% above Connecticut avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.47%▲ 1.53% above avgNationally 2.87%
Details

Rates are available when account is opened in a Santander location in CT, DE, MA, NH, NJ, NY, PA, RI, or select areas in FL: Miami-Dade, Monroe, Broward counties, and Collier county ZIP Code 34141. Rates in other areas or for online openings may not be available.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 13, 2026
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1959 Summer St, Stamford, CT 06905
Private 18 Month
$0
4.00% ▲ 1.53% above Connecticut avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.47%▲ 1.53% above avgNationally 2.87%
Details

Balance: $500+

Rate History
1 change since Sep 18, 2026 · 0.02% → 4.00% ▲ 3.98 pts · high 4.00% / low 0.02%
0.00%3.99%7.98%Sep 18, 2026: 0.02% APYOct 7, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 0.02%
  • Sep 18, 20260.02%first recorded
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1959 Summer St, Stamford, CT 06905
Private 18-Month CD
$500
4.00% ▲ 1.53% above Connecticut avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.47%▲ 1.53% above avgNationally 2.87%
Details

for existing or new Private Checking account holders. Enjoy the flexibility of a short-term CD. Earn guaranteed returns.

Rate History
1 change since Sep 9, 2026 · 0.02% → 4.00% ▲ 3.98 pts · high 4.00% / low 0.02%
0.00%3.99%7.98%Sep 9, 2026: 0.02% APYOct 2, 2026: 4.00% APYSep 9, 2026Oct 13, 2026
  • Oct 2, 20264.00%▲ from 0.02%
  • Sep 9, 20260.02%first recorded
Jewett City Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
111 Main St, Jewett City, CT 06351
18 Month Bump-Up CD
$1,000
4.00% ▲ 1.53% above Connecticut avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.47%▲ 1.53% above avgNationally 2.87%
Details

At the account holder's request, the interest rate and APY may be increased one time during the 18-month term of the CD prior to maturity without penalty to the current interest rate and APY available for new CDs of the same type at the time of the request. This feature is available only if the interest rate and APY available for new CDs of the same type have increased during the term of the CD. The new rate will be paid from the time of the request until the maturity date.

Rate History
1 change since Sep 14, 2026 · 2.00% → 4.00% ▲ 2.00 pts · high 4.00% / low 2.00%
0.00%3.00%6.00%Sep 14, 2026: 2.00% APYOct 8, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.00%▲ from 2.00%
  • Sep 14, 20262.00%first recorded
Jewett City Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
111 Main St, Jewett City, CT 06351
Bump-Up CD - 18 months
$1,000
4.00% ▲ 1.53% above Connecticut avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.47%▲ 1.53% above avgNationally 2.87%
Details

Annual Percentage Yield (APY) is accurate as of October 5, 2026 and subject to change before account opening. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal. At the account holder's request, the interest rate and APY may be increased one time during the 18-month term or two times during the 42-month term of the CD prior to maturity without penalty to the current interest rate and APY available for new CDs of the same type at the time of the request. This feature is available only if the interest rate and APY available for new CDs of the same type have increased during the term of the CD. The new rate will be paid from the time of the request until the maturity date.

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
220 Main St, Danbury, CT 06810
18 Month Certificate
$500
4.00% ▲ 1.53% above Connecticut avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.47%▲ 1.53% above avgNationally 2.87%
Details

Until Maturity

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
30 Bridge St, Suffield, CT 06078
18 Month CD
$0
4.00% ▲ 1.53% above Connecticut avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.47%▲ 1.53% above avgNationally 2.87%
Details

Early Withdrawal Penalty: 6 months' interest

Rate History
1 change since Sep 24, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 24, 2026: 3.75% APYOct 1, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
  • Oct 1, 20264.00%▲ from 3.75%
  • Sep 24, 20263.75%first recorded
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1 Financial Plz, Hartford, CT 06103
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 1.38% above Connecticut avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.47%▲ 1.38% above avgNationally 2.87%
Details

Requires a qualifying checking account.

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1 Financial Plz, Hartford, CT 06103
18-Month M&T Select CD
$0
3.85% ▲ 1.38% above Connecticut avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.47%▲ 1.38% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1959 Summer St, Stamford, CT 06905
18 Month Certificate
$500
3.75% ▲ 1.28% above Connecticut avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.47%▲ 1.28% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1959 Summer St, Stamford, CT 06905
18-Month CD
$500
3.75% ▲ 1.28% above Connecticut avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.47%▲ 1.28% above avgNationally 2.87%
Details

Promotional APY is subject to certain terms and conditions. Client must deposit at least $500 to open the account. The minimum balance requirement to earn the stated APY is $500. The APY assumes interest remains on deposit until maturity. In the event of withdrawal before stated maturity, an early withdrawal penalty will be imposed. A withdrawal will reduce earnings. This offer can be revoked by Webster Bank at any time.

Rate History
1 change since Sep 24, 2026 · 0.01% → 3.75% ▲ 3.74 pts · high 3.75% / low 0.01%
0.00%3.75%7.49%Sep 24, 2026: 0.01% APYOct 2, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
  • Oct 2, 20263.75%▲ from 0.01%
  • Sep 24, 20260.01%first recorded
Newtown Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
39 Main St, Newtown, CT 06470
18 Month CD
$0
3.75% ▲ 1.28% above Connecticut avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.47%▲ 1.28% above avgNationally 2.87%
Details

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 13, 2026
Hartford Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
776 Maple Ave, Hartford, CT 06114 2317
Share Certificate Special - 18 Month
$5,000
3.75% ▲ 1.28% above Connecticut avg
View
▼
Rate3.75%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.47%▲ 1.28% above avgNationally 2.87%
Details

New money only; $100,000 maximum; limited time offer

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
520 Cromwell Ave, Rocky Hill, CT 06067
18 Month Share Certificate
$0
3.75% ▲ 1.28% above Connecticut avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.47%▲ 1.28% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
15 Mohegan Ave, New London, CT 06320
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 1.23% above Connecticut avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.47%▲ 1.23% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
203 Main St, Thomaston, CT 06787
18 Month Certificate of Deposit - Variable Rate
$25
3.66% ▲ 1.19% above Connecticut avg
View
▼
Rate3.60%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.47%▲ 1.19% above avgNationally 2.87%
Details

Deposits allowed during the term

Rate History
1 change since Sep 19, 2026 · 2.50% → 3.66% ▲ 1.16 pts · high 3.66% / low 2.50%
1.34%3.08%4.82%Sep 19, 2026: 2.50% APYOct 3, 2026: 3.66% APYSep 19, 2026Oct 13, 2026
  • Oct 3, 20263.66%▲ from 2.50%
  • Sep 19, 20262.50%first recorded
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
117 Prospect St, Stamford, CT 06901
18 Month No Penalty
$0
3.65% ▲ 1.18% above Connecticut avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.47%▲ 1.18% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
100 First Stamford Pl Ste 615, Stamford, CT 06902
18 Month Certificate
$0
3.60% ▲ 1.13% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.47%▲ 1.13% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
253 West St, Seymour, CT 06483 2648
Business Share Certificates - 18 Months
$500
3.60% ▲ 1.13% above Connecticut avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.47%▲ 1.13% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
253 West St, Seymour, CT 06483 2648
Share & IRA Certificates - 18 Months
$500
3.60% ▲ 1.13% above Connecticut avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.47%▲ 1.13% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
516 Spring St, Windsor Locks, CT 06096
18 Month Certificate
$0
3.56% ▲ 1.09% above Connecticut avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.47%▲ 1.09% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 8, 2026: 3.56% APYOct 8, 2026Oct 13, 2026
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
14 Research Drive, Bethel, CT 06810
18 Month Regular term and IRA Certificates
$2,500
3.56% ▲ 1.09% above Connecticut avg
View
▼
Rate3.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.47%▲ 1.09% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.05% → 3.56% ▲ 0.51 pts · high 3.56% / low 3.05%
2.54%3.30%4.07%Sep 18, 2026: 3.05% APYSep 27, 2026: 3.56% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20263.56%▲ from 3.05%
  • Sep 18, 20263.05%first recorded
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
129 Main St, Torrington, CT 06790
18 Month CD
$1,000
3.40% ▲ 0.93% above Connecticut avg
View
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.47%▲ 0.93% above avgNationally 2.87%
Details

Rate History
No change since Sep 19, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 19, 2026: 3.40% APYSep 19, 2026Oct 13, 2026
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
129 Main St, Torrington, CT 06790
18 Month IRA Certificate of Deposit
$1,000
3.40% ▲ 0.93% above Connecticut avg
View
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.47%▲ 0.93% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 13, 2026
Arrha Credit Union 231 Hazard Ave, Enfield, CT 06082 4647
18 Month Premium Certificate
$50,000
3.35% ▲ 0.88% above Connecticut avg
View
▼
Rate3.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedSep 24, 2026
Connecticut Average2.47%▲ 0.88% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 13, 2026
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
84 Wadsworth St, Hartford, CT 06106
18 Month IRA
$500
3.30% ▲ 0.83% above Connecticut avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.47%▲ 0.83% above avgNationally 2.87%
Details

Compounded: Daily; IRA Certificate

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Bankwell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
156 Cherry St, New Canaan, CT 06840
18 Month CD
$1,000
3.25% ▲ 0.78% above Connecticut avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.47%▲ 0.78% above avgNationally 2.87%
Details

Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Fees may reduce earnings. This offer is not available to brokers or financial institutions. Offer may be withdrawn at any time.

Rate History
No change since Sep 27, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 27, 2026: 3.25% APYSep 27, 2026Oct 13, 2026
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
361 MAIN ST, EAST HARTFORD, CT 06118 1879
18 Month IRA Certificate
$0
3.25% ▲ 0.78% above Connecticut avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.47%▲ 0.78% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 13, 2026
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
361 MAIN ST, EAST HARTFORD, CT 06118 1879
18-Month Certificate
$0
3.25% ▲ 0.78% above Connecticut avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.47%▲ 0.78% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
Arrha Credit Union 231 Hazard Ave, Enfield, CT 06082 4647
18 Month Certificate
$500
3.25% ▲ 0.78% above Connecticut avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedSep 24, 2026
Connecticut Average2.47%▲ 0.78% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
84 Wadsworth St, Hartford, CT 06106
18 Month Share Certificate
$500
3.25% ▲ 0.78% above Connecticut avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.47%▲ 0.78% above avgNationally 2.87%
Details

Compounded: Daily

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
624 Franklin Ave, Hartford, CT 06114
IRA Certificates - 18 Months
$0
3.25% ▲ 0.78% above Connecticut avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.47%▲ 0.78% above avgNationally 2.87%
Details

0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.

Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 13, 2026
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
624 Franklin Ave, Hartford, CT 06114
Regular Certificates - 18 Months
$0
3.25% ▲ 0.78% above Connecticut avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.47%▲ 0.78% above avgNationally 2.87%
Details

0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 13, 2026
Finex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
616 Burnside Ave, East Hartford, CT 06108
18 Month Special-NEW MONEY ONLY CD
$1,000
3.25% ▲ 0.78% above Connecticut avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.47%▲ 0.78% above avgNationally 2.87%
Details

Rates as of October 5, 2026. Minimum of $1,000 to open. Contact [email protected] for CD rates greater $75,000.

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
Bridgeport Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
3590 Main St, Bridgeport, CT 06606
18 Month Term Share Certificates
$0
3.04% ▲ 0.57% above Connecticut avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.47%▲ 0.57% above avgNationally 2.87%
Details

Balance: $1,000 to $79,999.99; Early withdrawal penalties apply. Fees could reduce the earnings and features on the account.

Rate History
No change since Oct 12, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 12, 2026: 3.04% APYOct 12, 2026Oct 13, 2026
MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
285 Broad St, Meriden, CT 06450 5847
18 Month Share Certificate
$0
3.04% ▲ 0.57% above Connecticut avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.47%▲ 0.57% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 13, 2026
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
299 Whalley Ave, New Haven, CT 06511
18 Month CD
$0
3.00% ▲ 0.53% above Connecticut avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.47%▲ 0.53% above avgNationally 2.87%
Details

Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 11, 2026: 3.00% APYSep 11, 2026Oct 13, 2026
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
117 Prospect St, Stamford, CT 06901
18 Month IRA CD
$0
3.00% ▲ 0.53% above Connecticut avg
View
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.47%▲ 0.53% above avgNationally 2.87%
Details

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Oct 13, 2026
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
7 Old Tavern Rd, Orange, CT 06477
18 Month Star Relationship CD
$500
2.76% ▲ 0.29% above Connecticut avg
View
▼
Rate2.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.47%▲ 0.29% above avgNationally 2.87%
Details

Early Withdrawal Penalties May Apply; Rates are subject to change at any time

Rate History
No change since Sep 19, 2026 · 2.76% APY · checked 7 times
2.26%2.76%3.26%Sep 19, 2026: 2.76% APYSep 19, 2026Oct 13, 2026
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
117 Prospect St, Stamford, CT 06901
18 Month Certificate
$0
2.75% ▲ 0.28% above Connecticut avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.47%▲ 0.28% above avgNationally 2.87%
Details

Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 19, 2026: 2.75% APYSep 19, 2026Oct 13, 2026
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
18 Month Certificate
$500
2.75% ▲ 0.28% above Connecticut avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.47%▲ 0.28% above avgNationally 2.87%
Details

Compounded Monthly

Rate History
1 change since Sep 16, 2026 · 2.60% → 2.75% ▲ 0.15 pts · high 2.75% / low 2.60%
2.10%2.68%3.25%Sep 16, 2026: 2.60% APYOct 12, 2026: 2.75% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20262.75%▲ from 2.60%
  • Sep 16, 20262.60%first recorded
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
18 Month IRA Certificate
$500
2.75% ▲ 0.28% above Connecticut avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.47%▲ 0.28% above avgNationally 2.87%
Details

Compounded Monthly

Rate History
1 change since Sep 16, 2026 · 2.60% → 2.75% ▲ 0.15 pts · high 2.75% / low 2.60%
2.10%2.68%3.25%Sep 16, 2026: 2.60% APYOct 12, 2026: 2.75% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20262.75%▲ from 2.60%
  • Sep 16, 20262.60%first recorded
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
Roth IRA Certificates - 18 Month Certificate
$500
2.75% ▲ 0.28% above Connecticut avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.47%▲ 0.28% above avgNationally 2.87%
Details

Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education)

Rate History
No change since Oct 12, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 12, 2026: 2.75% APYOct 12, 2026Oct 13, 2026

Connecticut 24 Month CD Rates

MonitorBankRates Connecticut Average · 24 Month CD2.39% APY▲ 0.01% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Connecticut is 2.39% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates 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
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
1001 Post Rd, Darien, CT 06820
Prime Certificates of Deposit (CD) - 24 month
$500
4.45% ▲ 2.06% above Connecticut avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.39%▲ 2.06% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 8, 2026: 4.45% APYOct 8, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
100 First Stamford Pl Ste 615, Stamford, CT 06902
24 Month 360 CDs
$0
4.30% ▲ 1.91% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.39%▲ 1.91% above avgNationally 2.88%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
203 Main St, Thomaston, CT 06787
24 Month Business Certificate of Deposit - Fixed Rate
$1,000
4.25% ▲ 1.86% above Connecticut avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.39%▲ 1.86% above avgNationally 2.88%
Details

Interest Rate $1,000 - $249,999.99 Daily balance to earn APY

Rate History
1 change since Sep 19, 2026 · 3.35% → 4.25% ▲ 0.90 pts · high 4.25% / low 3.35%
2.45%3.80%5.15%Sep 19, 2026: 3.35% APYOct 7, 2026: 4.25% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.25%▲ from 3.35%
  • Sep 19, 20263.35%first recorded
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
203 Main St, Thomaston, CT 06787
24 Month Certificate of Deposit - Fixed Rate
$1,000
4.25% ▲ 1.86% above Connecticut avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.39%▲ 1.86% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 3.35% → 4.25% ▲ 0.90 pts · high 4.25% / low 3.35%
2.45%3.80%5.15%Sep 19, 2026: 3.35% APYOct 7, 2026: 4.25% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.25%▲ from 3.35%
  • Sep 19, 20263.35%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
75 Holly Hill Ln, Greenwich, CT 06830
24-MONTH CD
$500
4.25% ▲ 1.86% above Connecticut avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.39%▲ 1.86% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
1111 Country Club Rd, Middletown, CT 06457 2389
24 Month Certificate
$0
4.18% ▲ 1.79% above Connecticut avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.39%▲ 1.79% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.18% ▲ 0.26 pts · high 4.18% / low 3.92%
3.42%4.05%4.68%Sep 14, 2026: 3.92% APYOct 9, 2026: 4.18% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.18%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
777 E Main St, Torrington, CT 06790 3915
24 Month Share Certificate - Regular/IRA
$0
4.13% ▲ 1.74% above Connecticut avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.39%▲ 1.74% above avgNationally 2.88%
Details

Type: Regular/IRA; $500 minimum balance required; dividends declared and paid monthly on average daily balance; penalty may apply for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 13, 2026
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
253 High St, Hartford, CT 06103
2 Year Term Share Certificate
$0
4.13% ▲ 1.74% above Connecticut avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.39%▲ 1.74% above avgNationally 2.88%
Details

Effective 10/01/2026

Rate History
1 change since Sep 25, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82%
3.32%3.97%4.63%Sep 25, 2026: 3.82% APYOct 4, 2026: 4.13% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.13%▲ from 3.82%
  • Sep 25, 20263.82%first recorded
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14 Clara Dr, Mystic, CT 06355
1 - 2 Year Choose Your Term CD
$500
4.00% ▲ 1.61% above Connecticut avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.39%▲ 1.61% above avgNationally 2.88%
Details

Looking for a longer term? Choose a term that works for you, from 1-2 years. Open in branch or on the phone. Washington Trust checking account required. No municipal or government funds. Maximum deposit amount is $5 million.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
120 Woodford Ave, Plainville, CT 06062 2335
24 month IRA Certificate
$0
4.00% ▲ 1.61% above Connecticut avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.39%▲ 1.61% above avgNationally 2.88%
Details

IRA Certificates

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 13, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
39 Clovelly Rd, Stamford, CT 06902
2-Year Share Certificate
$1,000
3.93% ▲ 1.54% above Connecticut avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.39%▲ 1.54% above avgNationally 2.88%
Details

Early withdrawal penalty: 6 Months Dividends

Rate History
No change since Sep 14, 2026 · 3.93% APY · checked 8 times
3.43%3.93%4.43%Sep 14, 2026: 3.93% APYSep 14, 2026Oct 13, 2026
Zynlo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
30 Bridge St, Suffield, CT 06078
24 Month CD
$0
3.90% ▲ 1.51% above Connecticut avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.39%▲ 1.51% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 6 months' interest

Rate History
1 change since Sep 24, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
3.15%3.78%4.40%Sep 24, 2026: 3.65% APYOct 1, 2026: 3.90% APYSep 24, 2026Oct 13, 2026
  • Oct 1, 20263.90%▲ from 3.65%
  • Sep 24, 20263.65%first recorded
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
516 Spring St, Windsor Locks, CT 06096
2 Year Certificate
$0
3.81% ▲ 1.42% above Connecticut avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.39%▲ 1.42% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 8, 2026: 3.81% APYOct 8, 2026Oct 13, 2026
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
253 West St, Seymour, CT 06483 2648
Business Share Certificates - 24 Months
$500
3.75% ▲ 1.36% above Connecticut avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.39%▲ 1.36% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
253 West St, Seymour, CT 06483 2648
Share & IRA Certificates - 24 Months
$500
3.75% ▲ 1.36% above Connecticut avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.39%▲ 1.36% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Northwest Community Bank
Institution Rating:
A4.9 ★Texas Ratio: 7.16%
294 West St, Litchfield, CT 06759
2 Year Time Deposit & IRA
$500
3.75% ▲ 1.36% above Connecticut avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.39%▲ 1.36% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 24, 2026: 3.50% APYOct 7, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
339 N Elm St, Torrington, CT 06790
24 Month IRA & Roth IRA Certificates
$0
3.75% ▲ 1.36% above Connecticut avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.39%▲ 1.36% above avgNationally 2.88%
Details

Certificate compounding monthly; $500 minimum to earn APY; penalty for early withdrawal; rates as of 5/1/2026

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
339 N Elm St, Torrington, CT 06790
24 Month Share Certificates
$0
3.75% ▲ 1.36% above Connecticut avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.39%▲ 1.36% above avgNationally 2.88%
Details

Certificate compounding monthly; $500 minimum to earn APY; penalty for early withdrawal; rates as of 5/01/2026

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
520 Cromwell Ave, Rocky Hill, CT 06067
24 Month Share Certificate
$0
3.75% ▲ 1.36% above Connecticut avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.39%▲ 1.36% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
14 Research Drive, Bethel, CT 06810
24 Month Regular term and IRA Certificates
$2,500
3.72% ▲ 1.33% above Connecticut avg
View
▼
Rate3.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.39%▲ 1.33% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.05% → 3.72% ▲ 0.67 pts · high 3.72% / low 3.05%
2.38%3.39%4.39%Sep 18, 2026: 3.05% APYSep 27, 2026: 3.72% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20263.72%▲ from 3.05%
  • Sep 18, 20263.05%first recorded
Tobacco Valley Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
182 South Rd, Enfield, CT 06082 4454
2 Year Share Certificate
$1,000
3.65% ▲ 1.26% above Connecticut avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.39%▲ 1.26% above avgNationally 2.88%
Details

Additional amounts in $500 increments; dividends paid quarterly, not compounded

Rate History
No change since Sep 25, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 25, 2026: 3.65% APYSep 25, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
15 Mohegan Ave, New London, CT 06320
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 1.21% above Connecticut avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.39%▲ 1.21% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 13, 2026
Bridgeport Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
3590 Main St, Bridgeport, CT 06606
24 Month Term Share Certificates
$0
3.56% ▲ 1.17% above Connecticut avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.39%▲ 1.17% above avgNationally 2.88%
Details

Balance: $1,000 to $79,999.99; Early withdrawal penalties apply. Fees could reduce the earnings and features on the account.

Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
100 First Stamford Pl Ste 615, Stamford, CT 06902
24 Month Certificate
$0
3.50% ▲ 1.11% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.39%▲ 1.11% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
129 Main St, Torrington, CT 06790
24 Month CD
$1,000
3.50% ▲ 1.11% above Connecticut avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.39%▲ 1.11% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 19, 2026: 3.50% APYSep 19, 2026Oct 13, 2026
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
129 Main St, Torrington, CT 06790
24 Month IRA Certificate of Deposit
$1,000
3.50% ▲ 1.11% above Connecticut avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.39%▲ 1.11% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
21 Silas Deane Hwy, Wethersfield, CT 06109
Certificate - 2 Years
$0
3.50% ▲ 1.11% above Connecticut avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.39%▲ 1.11% above avgNationally 2.88%
Details

Dividends compound quarterly; Maximum Balance: $1,000,000 per member; Withdrawal before maturity subject to penalty

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
21 Silas Deane Hwy, Wethersfield, CT 06109
IRA Certificates 24 months
$0
3.50% ▲ 1.11% above Connecticut avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.39%▲ 1.11% above avgNationally 2.88%
Details

Rates effective as of 10/12/2026; NCUA-insured

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Oct 13, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
680 Birch St, Bristol, CT 06010
Investment Share and IRA Certificates - 24 Months
$0
3.50% ▲ 1.11% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.39%▲ 1.11% above avgNationally 2.88%
Details

Rates accurate as of 9/23/26; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 2.50% → 3.50% ▲ 1.00 pts · high 3.50% / low 2.50%
1.50%3.00%4.50%Sep 14, 2026: 2.50% APYOct 5, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.50%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
624 Franklin Ave, Hartford, CT 06114
24 Month Step Up Certificate
$25
3.40% ▲ 1.01% above Connecticut avg
View
▼
RateN/A
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.39%▲ 1.01% above avgNationally 2.88%
Details

Contribute $25 per pay period; automatic deposits of at least $25 per paycheck required

Rate History
No change since Oct 12, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 12, 2026: 3.40% APYOct 12, 2026Oct 13, 2026
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
624 Franklin Ave, Hartford, CT 06114
IRA Certificates - 24 Months
$0
3.35% ▲ 0.96% above Connecticut avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.39%▲ 0.96% above avgNationally 2.88%
Details

0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.

Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 20, 2026: 3.35% APYSep 20, 2026Oct 13, 2026
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
624 Franklin Ave, Hartford, CT 06114
Regular Certificates - 24 Months
$0
3.35% ▲ 0.96% above Connecticut avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.39%▲ 0.96% above avgNationally 2.88%
Details

0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.

Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 8, 2026: 3.35% APYOct 8, 2026Oct 13, 2026
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
803 Main St, Willimantic, CT 06226
24-Month Certificate of Deposit (CD)
$1,000
3.30% ▲ 0.91% above Connecticut avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.39%▲ 0.91% above avgNationally 2.88%
Details

Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 28, 2026: 3.30% APYSep 28, 2026Oct 13, 2026
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
803 Main St, Willimantic, CT 06226
Beacon One 24 Month CD
$1,000
3.30% ▲ 0.91% above Connecticut avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.39%▲ 0.91% above avgNationally 2.88%
Details

Must be an OWNER on a Beacon Bank checking account. Balance cannot exceed $1,000,000.

Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 28, 2026: 3.30% APYSep 28, 2026Oct 13, 2026
FD Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
601 Watertown Ave, Waterbury, CT 06708
24 Month Certificate
$500
3.25% ▲ 0.86% above Connecticut avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.39%▲ 0.86% above avgNationally 2.88%
Details

dividends compounded monthly. Early withdrawal penalty = 180 days dividend.

Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 13, 2026
MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
285 Broad St, Meriden, CT 06450 5847
24 Month Share Certificate
$0
3.04% ▲ 0.65% above Connecticut avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.39%▲ 0.65% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 13, 2026
New Haven County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
2 Broadway, North Haven, CT 06473
2 Year Share Certificate
$0
3.03% ▲ 0.64% above Connecticut avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.39%▲ 0.64% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 6 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 13, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
470 Bank St, New London, CT 06320
2 Year Online CD
$0
3.00% ▲ 0.61% above Connecticut avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.39%▲ 0.61% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
299 Whalley Ave, New Haven, CT 06511
2 Year CD
$0
3.00% ▲ 0.61% above Connecticut avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.39%▲ 0.61% above avgNationally 2.88%
Details

Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 11, 2026: 3.00% APYSep 11, 2026Oct 13, 2026
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
117 Prospect St, Stamford, CT 06901
2 1/2 Year IRA CD
$0
3.00% ▲ 0.61% above Connecticut avg
View
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.39%▲ 0.61% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Oct 13, 2026
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
117 Prospect St, Stamford, CT 06901
21/2 Year IRA CD
$500
3.00% ▲ 0.61% above Connecticut avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.39%▲ 0.61% above avgNationally 2.88%
Details

Interest rate and APY will not change during the 2 1/2 year term. Interest will be compounded continuously and credit monthly. APY assumes principal and interest remain on deposit for twelve (12) months and withdrawal of interest will reduce earnings. Withdrawal of principal prior to maturity subject to penalty equal to twelve (12) months interest. Consult a tax advisor regarding taxability of withdrawal of principal or interest. Account will automatically renew with a five (5) day grace period. Offer may be changed or withdrawn without notice. See full disclosure and Consumer Schedule of Charges.

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Oct 13, 2026
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
117 Prospect St, Stamford, CT 06901
24 Month Certificate
$0
3.00% ▲ 0.61% above Connecticut avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.39%▲ 0.61% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Oct 13, 2026
ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
220 Main St, Danbury, CT 06810
2 Year Certificate
$500
3.00% ▲ 0.61% above Connecticut avg
View
▼
Rate2.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.39%▲ 0.61% above avgNationally 2.88%
Details

Until Maturity

Rate History
No change since Oct 12, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 12, 2026: 3.00% APYOct 12, 2026Oct 13, 2026
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
1 Lafayette Cir Ste 1, Bridgeport, CT 06604 6021
2 Year Certificate
$500
3.00% ▲ 0.61% above Connecticut avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.39%▲ 0.61% above avgNationally 2.88%
Details

Savings and IRA (Traditional, Roth, Coverdell) Share Certificates

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
24 Month Certificate
$500
2.85% ▲ 0.46% above Connecticut avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.39%▲ 0.46% above avgNationally 2.88%
Details

Compounded Monthly

Rate History
1 change since Sep 16, 2026 · 2.70% → 2.85% ▲ 0.15 pts · high 2.85% / low 2.70%
2.20%2.78%3.35%Sep 16, 2026: 2.70% APYOct 12, 2026: 2.85% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20262.85%▲ from 2.70%
  • Sep 16, 20262.70%first recorded
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
24 Month IRA Certificate
$500
2.85% ▲ 0.46% above Connecticut avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.39%▲ 0.46% above avgNationally 2.88%
Details

Compounded Monthly

Rate History
1 change since Sep 16, 2026 · 2.70% → 2.85% ▲ 0.15 pts · high 2.85% / low 2.70%
2.20%2.78%3.35%Sep 16, 2026: 2.70% APYOct 12, 2026: 2.85% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20262.85%▲ from 2.70%
  • Sep 16, 20262.70%first recorded
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
Roth IRA Certificates - 24 Month Certificate
$500
2.85% ▲ 0.46% above Connecticut avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.39%▲ 0.46% above avgNationally 2.88%
Details

Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education)

Rate History
No change since Oct 12, 2026 · 2.85% APY
2.35%2.85%3.35%Oct 12, 2026: 2.85% APYOct 12, 2026Oct 13, 2026
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
Roth Share Certificate - 24 Month Certificate
$500
2.85% ▲ 0.46% above Connecticut avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.39%▲ 0.46% above avgNationally 2.88%
Details

Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education)

Rate History
No change since Oct 12, 2026 · 2.85% APY
2.35%2.85%3.35%Oct 12, 2026: 2.85% APYOct 12, 2026Oct 13, 2026
Norwalk Hospital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
31 1 2 Stevens St, Norwalk, CT 06850 3805
24 Month Certificates
$1,000
2.78% ▲ 0.39% above Connecticut avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.39%▲ 0.39% above avgNationally 2.88%
Details

Dividends posted quarterly and paid at maturity; premature withdrawal results in dividend penalty; may be loss of some accrued interest for early withdrawal

Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 6 times
2.28%2.78%3.28%Sep 14, 2026: 2.78% APYSep 14, 2026Oct 13, 2026
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
7 Old Tavern Rd, Orange, CT 06477
2 Year Star Relationship CD
$500
2.76% ▲ 0.37% above Connecticut avg
View
▼
Rate2.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.39%▲ 0.37% above avgNationally 2.88%
Details

Early Withdrawal Penalties May Apply; Rates are subject to change at any time

Rate History
No change since Sep 19, 2026 · 2.76% APY · checked 7 times
2.26%2.76%3.26%Sep 19, 2026: 2.76% APYSep 19, 2026Oct 13, 2026

Connecticut 36 Month CD Rates

MonitorBankRates Connecticut Average · 36 Month CD2.27% APY▲ 0.04% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Connecticut is 2.27% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates 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
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
203 Main St, Thomaston, CT 06787
36 Month Business Certificate of Deposit - Fixed Rate
$1,000
4.35% ▲ 2.08% above Connecticut avg
View
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.27%▲ 2.08% above avgNationally 2.81%
Details

Interest Rate $1,000 - $249,999.99 Daily balance to earn APY

Rate History
1 change since Sep 19, 2026 · 3.40% → 4.35% ▲ 0.95 pts · high 4.35% / low 3.40%
2.45%3.87%5.30%Sep 19, 2026: 3.40% APYOct 7, 2026: 4.35% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.35%▲ from 3.40%
  • Sep 19, 20263.40%first recorded
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
203 Main St, Thomaston, CT 06787
36 Month Certificate of Deposit - Fixed Rate
$1,000
4.35% ▲ 2.08% above Connecticut avg
View
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.27%▲ 2.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 19, 2026 · 3.40% → 4.35% ▲ 0.95 pts · high 4.35% / low 3.40%
2.45%3.87%5.30%Sep 19, 2026: 3.40% APYOct 7, 2026: 4.35% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.35%▲ from 3.40%
  • Sep 19, 20263.40%first recorded
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
1111 Country Club Rd, Middletown, CT 06457 2389
36 Month Certificate
$0
4.33% ▲ 2.06% above Connecticut avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.27%▲ 2.06% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.33% ▲ 0.31 pts · high 4.33% / low 4.02%
3.52%4.18%4.83%Sep 14, 2026: 4.02% APYOct 9, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.33%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
100 First Stamford Pl Ste 615, Stamford, CT 06902
36 Month 360 CDs
$0
4.30% ▲ 2.03% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.27%▲ 2.03% above avgNationally 2.81%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
777 E Main St, Torrington, CT 06790 3915
36 Month Share Certificate - Regular/IRA
$0
4.23% ▲ 1.96% above Connecticut avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.27%▲ 1.96% above avgNationally 2.81%
Details

Type: Regular/IRA; $500 minimum balance required; dividends declared and paid monthly on average daily balance; penalty may apply for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.23% APY
3.73%4.23%4.73%Oct 13, 2026: 4.23% APYOct 13, 2026Oct 13, 2026
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
253 High St, Hartford, CT 06103
3 Year Term Share Certificate
$0
4.18% ▲ 1.91% above Connecticut avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 1.91% above avgNationally 2.81%
Details

Effective 10/01/2026

Rate History
1 change since Sep 25, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
3.37%4.02%4.68%Sep 25, 2026: 3.87% APYOct 4, 2026: 4.18% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.18%▲ from 3.87%
  • Sep 25, 20263.87%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
15 Mohegan Ave, New London, CT 06320
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.88% above Connecticut avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.27%▲ 1.88% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
15 Mohegan Ave, New London, CT 06320
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.83% above Connecticut avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.27%▲ 1.83% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
253 West St, Seymour, CT 06483 2648
Business Share Certificates - 36 Months
$500
4.00% ▲ 1.73% above Connecticut avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.27%▲ 1.73% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
253 West St, Seymour, CT 06483 2648
Share & IRA Certificates - 36 Months
$500
4.00% ▲ 1.73% above Connecticut avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.27%▲ 1.73% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
39 Clovelly Rd, Stamford, CT 06902
3-Year Share Certificate
$1,000
3.98% ▲ 1.71% above Connecticut avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.27%▲ 1.71% above avgNationally 2.81%
Details

Early withdrawal penalty: 9 Months Dividends

Rate History
No change since Sep 14, 2026 · 3.98% APY · checked 8 times
3.48%3.98%4.48%Sep 14, 2026: 3.98% APYSep 14, 2026Oct 13, 2026
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
14 Research Drive, Bethel, CT 06810
36 Month Regular term and IRA Certificates
$2,500
3.82% ▲ 1.55% above Connecticut avg
View
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.27%▲ 1.55% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.20% → 3.82% ▲ 0.62 pts · high 3.82% / low 3.20%
2.58%3.51%4.44%Sep 18, 2026: 3.20% APYSep 27, 2026: 3.82% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20263.82%▲ from 3.20%
  • Sep 18, 20263.20%first recorded
Northwest Community Bank
Institution Rating:
A4.9 ★Texas Ratio: 7.16%
294 West St, Litchfield, CT 06759
3 Year Time Deposit & IRA
$500
3.75% ▲ 1.48% above Connecticut avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.27%▲ 1.48% above avgNationally 2.81%
Details

Rate History
1 change since Sep 24, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 24, 2026: 3.50% APYOct 7, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Newtown Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
39 Main St, Newtown, CT 06470
3 Year CD
$0
3.75% ▲ 1.48% above Connecticut avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 1.48% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 13, 2026
Tobacco Valley Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
182 South Rd, Enfield, CT 06082 4454
3 Year Share Certificate
$1,000
3.75% ▲ 1.48% above Connecticut avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 1.48% above avgNationally 2.81%
Details

Additional amounts in $500 increments; dividends paid quarterly, not compounded

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 13, 2026
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
339 N Elm St, Torrington, CT 06790
36 Month IRA & Roth IRA Certificates
$0
3.75% ▲ 1.48% above Connecticut avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.27%▲ 1.48% above avgNationally 2.81%
Details

Certificate compounding monthly; $500 minimum to earn APY; penalty for early withdrawal; rates as of 5/1/2026

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
339 N Elm St, Torrington, CT 06790
36 Month Share Certificates
$0
3.75% ▲ 1.48% above Connecticut avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.27%▲ 1.48% above avgNationally 2.81%
Details

Certificate compounding monthly; $500 minimum to earn APY; penalty for early withdrawal; rates as of 5/01/2026

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
520 Cromwell Ave, Rocky Hill, CT 06067
36 Month Share Certificate
$0
3.75% ▲ 1.48% above Connecticut avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.27%▲ 1.48% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
100 First Stamford Pl Ste 615, Stamford, CT 06902
36 Month Certificate
$0
3.50% ▲ 1.23% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.27%▲ 1.23% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
129 Main St, Torrington, CT 06790
36 Month CD
$1,000
3.50% ▲ 1.23% above Connecticut avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.27%▲ 1.23% above avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 19, 2026: 3.50% APYSep 19, 2026Oct 13, 2026
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
129 Main St, Torrington, CT 06790
36 Month IRA Certificate of Deposit
$1,000
3.50% ▲ 1.23% above Connecticut avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.27%▲ 1.23% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
624 Franklin Ave, Hartford, CT 06114
IRA Certificates - 36 Months
$0
3.35% ▲ 1.08% above Connecticut avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 1.08% above avgNationally 2.81%
Details

0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.

Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 20, 2026: 3.35% APYSep 20, 2026Oct 13, 2026
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
624 Franklin Ave, Hartford, CT 06114
Regular Certificates - 36 Months
$0
3.35% ▲ 1.08% above Connecticut avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 1.08% above avgNationally 2.81%
Details

0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.

Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 8, 2026: 3.35% APYOct 8, 2026Oct 13, 2026
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
117 Prospect St, Stamford, CT 06901
36 Month Certificate
$0
3.25% ▲ 0.98% above Connecticut avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.27%▲ 0.98% above avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 19, 2026: 3.25% APYSep 19, 2026Oct 13, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
21 Silas Deane Hwy, Wethersfield, CT 06109
Certificate - 3 Years
$0
3.25% ▲ 0.98% above Connecticut avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 0.98% above avgNationally 2.81%
Details

Dividends compound quarterly; Maximum Balance: $1,000,000 per member; Withdrawal before maturity subject to penalty

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
21 Silas Deane Hwy, Wethersfield, CT 06109
IRA Certificates 36 Months
$0
3.25% ▲ 0.98% above Connecticut avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 0.98% above avgNationally 2.81%
Details

Rates effective as of 10/12/2026; NCUA-insured

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 13, 2026
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
84 Wadsworth St, Hartford, CT 06106
36 Month IRA
$500
3.05% ▲ 0.78% above Connecticut avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.27%▲ 0.78% above avgNationally 2.81%
Details

Compounded: Daily; IRA Certificate

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 6 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
299 Whalley Ave, New Haven, CT 06511
3 Year CD
$0
3.00% ▲ 0.73% above Connecticut avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.27%▲ 0.73% above avgNationally 2.81%
Details

Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 11, 2026: 3.00% APYSep 11, 2026Oct 13, 2026
ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
220 Main St, Danbury, CT 06810
3 Year Certificate
$500
3.00% ▲ 0.73% above Connecticut avg
View
▼
Rate2.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 0.73% above avgNationally 2.81%
Details

Until Maturity

Rate History
No change since Oct 12, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 12, 2026: 3.00% APYOct 12, 2026Oct 13, 2026
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
36 Month Certificate
$500
3.00% ▲ 0.73% above Connecticut avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 0.73% above avgNationally 2.81%
Details

Compounded Monthly

Rate History
1 change since Sep 16, 2026 · 2.85% → 3.00% ▲ 0.15 pts · high 3.00% / low 2.85%
2.35%2.93%3.50%Sep 16, 2026: 2.85% APYOct 12, 2026: 3.00% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20263.00%▲ from 2.85%
  • Sep 16, 20262.85%first recorded
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
36 Month IRA Certificate
$500
3.00% ▲ 0.73% above Connecticut avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 0.73% above avgNationally 2.81%
Details

Compounded Monthly

Rate History
1 change since Sep 16, 2026 · 2.85% → 3.00% ▲ 0.15 pts · high 3.00% / low 2.85%
2.35%2.93%3.50%Sep 16, 2026: 2.85% APYOct 12, 2026: 3.00% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20263.00%▲ from 2.85%
  • Sep 16, 20262.85%first recorded
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
Roth IRA Certificates - 36 Month Certificate
$500
3.00% ▲ 0.73% above Connecticut avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 0.73% above avgNationally 2.81%
Details

Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education)

Rate History
No change since Oct 12, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 12, 2026: 3.00% APYOct 12, 2026Oct 13, 2026
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
Roth Share Certificate - 36 Month Certificate
$500
3.00% ▲ 0.73% above Connecticut avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 0.73% above avgNationally 2.81%
Details

Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education)

Rate History
No change since Oct 12, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 12, 2026: 3.00% APYOct 12, 2026Oct 13, 2026
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
1 Lafayette Cir Ste 1, Bridgeport, CT 06604 6021
3 Year Certificate
$500
3.00% ▲ 0.73% above Connecticut avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 0.73% above avgNationally 2.81%
Details

Savings and IRA (Traditional, Roth, Coverdell) Share Certificates

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
84 Wadsworth St, Hartford, CT 06106
36 Month Share Certificate
$500
3.00% ▲ 0.73% above Connecticut avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.27%▲ 0.73% above avgNationally 2.81%
Details

Compounded: Daily

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
964 Asylum Ave, Hartford, CT 06105
3 Year Certificate and IRA Certificate
$0
2.78% ▲ 0.51% above Connecticut avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.27%▲ 0.51% above avgNationally 2.81%
Details

Certificate and IRA Certificate Rates

Rate History
No change since Oct 13, 2026 · 2.78% APY
2.28%2.78%3.28%Oct 13, 2026: 2.78% APYOct 13, 2026Oct 13, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
470 Bank St, New London, CT 06320
3 Year Online CD
$0
2.75% ▲ 0.48% above Connecticut avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.27%▲ 0.48% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 13, 2026
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
2 Furnace Ave, Stafford Springs, CT 06076
3 Year Certificate
$0
2.54% ▲ 0.27% above Connecticut avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.27%▲ 0.27% above avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 2.54% APY · checked 6 times
2.04%2.54%3.04%Sep 19, 2026: 2.54% APYSep 19, 2026Oct 13, 2026
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
516 Spring St, Windsor Locks, CT 06096
3 Year Certificate
$0
2.53% ▲ 0.26% above Connecticut avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 0.26% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 2.53% APY · checked 2 times
2.03%2.53%3.03%Oct 8, 2026: 2.53% APYOct 8, 2026Oct 13, 2026
Achieve Financial Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.09%
279 New Britain Rd, Berlin, CT 06037
36 Month Share Certificate
$0
2.53% ▲ 0.26% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.27%▲ 0.26% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 5 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 13, 2026
Achieve Financial Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.09%
279 New Britain Rd, Berlin, CT 06037
Share Certificate - 36 Months
$0
2.53% ▲ 0.26% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.27%▲ 0.26% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 5 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 13, 2026
MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
285 Broad St, Meriden, CT 06450 5847
36 Month Share Certificate
$0
2.53% ▲ 0.26% above Connecticut avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.27%▲ 0.26% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.53% APY · checked 6 times
2.03%2.53%3.03%Sep 18, 2026: 2.53% APYSep 18, 2026Oct 13, 2026
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
7 Old Tavern Rd, Orange, CT 06477
3 Year Star Relationship CD
$500
2.50% ▲ 0.23% above Connecticut avg
View
▼
Rate2.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.27%▲ 0.23% above avgNationally 2.81%
Details

Early Withdrawal Penalties May Apply; Rates are subject to change at any time

Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 19, 2026: 2.50% APYSep 19, 2026Oct 13, 2026
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
IRA CD - 3 Year
$0
2.50% ▲ 0.23% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 0.23% above avgNationally 2.81%
Details

Premium APY

Rate History
2 changes since Sep 14, 2026 · 2.50% → 2.50% ▼ 0.00 pts · high 2.50% / low 2.25%
1.75%2.38%3.00%Sep 14, 2026: 2.50% APYSep 24, 2026: 2.25% APYOct 3, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20262.50%▲ from 2.25%
  • Sep 24, 20262.25%▼ from 2.50%
  • Sep 14, 20262.50%first recorded
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
366 Main St, Middletown, CT 06457
CD & IRA - 36 Months
$1,000
2.50% ▲ 0.23% above Connecticut avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 0.23% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Hometown Bank Oxford, MA
Institution Rating:
B4.5 ★Texas Ratio: 21.49%
182 Main St, Putnam, CT 06260
36 Month Certificate of Deposit
$1,000
2.45% ▲ 0.18% above Connecticut avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.27%▲ 0.18% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.40% → 2.45% ▲ 0.05 pts · high 2.45% / low 2.40%
1.90%2.43%2.95%Sep 14, 2026: 2.40% APYOct 7, 2026: 2.45% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20262.45%▲ from 2.40%
  • Sep 14, 20262.40%first recorded
New Haven County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
2 Broadway, North Haven, CT 06473
3 Year Share Certificate
$0
2.43% ▲ 0.16% above Connecticut avg
View
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.27%▲ 0.16% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.43% APY · checked 6 times
1.93%2.43%2.93%Sep 14, 2026: 2.43% APYSep 14, 2026Oct 13, 2026
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
120 Woodford Ave, Plainville, CT 06062 2335
36 month IRA Certificate
$0
2.30% ▲ 0.03% above Connecticut avg
View
▼
Rate2.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 0.03% above avgNationally 2.81%
Details

IRA Certificates

Rate History
No change since Sep 20, 2026 · 2.30% APY · checked 4 times
1.80%2.30%2.80%Sep 20, 2026: 2.30% APYSep 20, 2026Oct 13, 2026
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
7 Old Tavern Rd, Orange, CT 06477
3 Year Certificate of Deposit (CD)
$500
2.25% ▼ 0.02% below Connecticut avg
View
▼
Rate2.19%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.27%▼ 0.02% below avgNationally 2.81%
Details

Early Withdrawal Penalties May Apply; Rates are subject to change at any time

Rate History
No change since Oct 7, 2026 · 2.25% APY · checked 3 times
1.75%2.25%2.75%Oct 7, 2026: 2.25% APYOct 7, 2026Oct 13, 2026
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
IRA CD - 3 Year
$0
2.25% ▼ 0.02% below Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▼ 0.02% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 5 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 13, 2026

Connecticut 48 Month CD Rates

MonitorBankRates Connecticut Average · 48 Month CD2.27% APY▲ 0.02% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Connecticut is 2.27% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates 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
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
1111 Country Club Rd, Middletown, CT 06457 2389
48 Month Certificate
$0
4.44% ▲ 2.17% above Connecticut avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.27%▲ 2.17% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
3.68%4.31%4.94%Sep 14, 2026: 4.18% APYOct 9, 2026: 4.44% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.44%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
203 Main St, Thomaston, CT 06787
48 Month Business Certificate of Deposit - Fixed Rate
$1,000
4.35% ▲ 2.08% above Connecticut avg
View
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.27%▲ 2.08% above avgNationally 2.80%
Details

Interest Rate $1,000 - $249,999.99 Daily balance to earn APY

Rate History
1 change since Sep 19, 2026 · 3.45% → 4.35% ▲ 0.90 pts · high 4.35% / low 3.45%
2.55%3.90%5.25%Sep 19, 2026: 3.45% APYOct 7, 2026: 4.35% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.35%▲ from 3.45%
  • Sep 19, 20263.45%first recorded
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
203 Main St, Thomaston, CT 06787
48 Month Certificate of Deposit - Fixed Rate
$1,000
4.35% ▲ 2.08% above Connecticut avg
View
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.27%▲ 2.08% above avgNationally 2.80%
Details

Rate History
1 change since Sep 19, 2026 · 3.45% → 4.35% ▲ 0.90 pts · high 4.35% / low 3.45%
2.55%3.90%5.25%Sep 19, 2026: 3.45% APYOct 7, 2026: 4.35% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.35%▲ from 3.45%
  • Sep 19, 20263.45%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
100 First Stamford Pl Ste 615, Stamford, CT 06902
48 Month 360 CDs
$0
4.30% ▲ 2.03% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.27%▲ 2.03% above avgNationally 2.80%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
253 High St, Hartford, CT 06103
4 Year Term Share Certificate
$0
4.23% ▲ 1.96% above Connecticut avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 1.96% above avgNationally 2.80%
Details

Effective 10/01/2026

Rate History
1 change since Sep 25, 2026 · 3.92% → 4.23% ▲ 0.31 pts · high 4.23% / low 3.92%
3.42%4.07%4.73%Sep 25, 2026: 3.92% APYOct 4, 2026: 4.23% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.23%▲ from 3.92%
  • Sep 25, 20263.92%first recorded
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
39 Clovelly Rd, Stamford, CT 06902
4-Year Share Certificate
$1,000
4.03% ▲ 1.76% above Connecticut avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.27%▲ 1.76% above avgNationally 2.80%
Details

Early withdrawal penalty: 9 Months Dividends

Rate History
No change since Sep 14, 2026 · 4.03% APY · checked 8 times
3.53%4.03%4.53%Sep 14, 2026: 4.03% APYSep 14, 2026Oct 13, 2026
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
14 Research Drive, Bethel, CT 06810
48 Month Regular term and IRA Certificates
$2,500
3.82% ▲ 1.55% above Connecticut avg
View
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.27%▲ 1.55% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
2.78%3.56%4.34%Sep 18, 2026: 3.30% APYSep 27, 2026: 3.82% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20263.82%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
Northwest Community Bank
Institution Rating:
A4.9 ★Texas Ratio: 7.16%
294 West St, Litchfield, CT 06759
4 Year Time Deposit & IRA
$500
3.75% ▲ 1.48% above Connecticut avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.27%▲ 1.48% above avgNationally 2.80%
Details

Rate History
1 change since Sep 24, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 24, 2026: 3.50% APYOct 7, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
520 Cromwell Ave, Rocky Hill, CT 06067
48 Month Share Certificate
$0
3.75% ▲ 1.48% above Connecticut avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.27%▲ 1.48% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
100 First Stamford Pl Ste 615, Stamford, CT 06902
48 Month Certificate
$0
3.50% ▲ 1.23% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.27%▲ 1.23% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
129 Main St, Torrington, CT 06790
48 Month CD
$1,000
3.50% ▲ 1.23% above Connecticut avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.27%▲ 1.23% above avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 19, 2026: 3.50% APYSep 19, 2026Oct 13, 2026
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
129 Main St, Torrington, CT 06790
48 Month IRA Certificate of Deposit
$1,000
3.50% ▲ 1.23% above Connecticut avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.27%▲ 1.23% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Newtown Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
39 Main St, Newtown, CT 06470
4 Year CD
$0
3.50% ▲ 1.23% above Connecticut avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 1.23% above avgNationally 2.80%
Details

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Oct 13, 2026
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
339 N Elm St, Torrington, CT 06790
48 Month IRA & Roth IRA Certificates
$0
3.50% ▲ 1.23% above Connecticut avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.27%▲ 1.23% above avgNationally 2.80%
Details

Certificate compounding monthly; $500 minimum to earn APY; penalty for early withdrawal; rates as of 5/1/2026

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
339 N Elm St, Torrington, CT 06790
48 Month Share Certificates
$0
3.50% ▲ 1.23% above Connecticut avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.27%▲ 1.23% above avgNationally 2.80%
Details

Certificate compounding monthly; $500 minimum to earn APY; penalty for early withdrawal; rates as of 5/01/2026

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
624 Franklin Ave, Hartford, CT 06114
IRA Certificates - 48 Months
$0
3.35% ▲ 1.08% above Connecticut avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 1.08% above avgNationally 2.80%
Details

0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.

Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 20, 2026: 3.35% APYSep 20, 2026Oct 13, 2026
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
624 Franklin Ave, Hartford, CT 06114
Regular Certificates - 48 Months
$0
3.35% ▲ 1.08% above Connecticut avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 1.08% above avgNationally 2.80%
Details

0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.

Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 8, 2026: 3.35% APYOct 8, 2026Oct 13, 2026
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
48 Month Certificate
$500
3.10% ▲ 0.83% above Connecticut avg
View
▼
Rate3.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 0.83% above avgNationally 2.80%
Details

Compounded Monthly

Rate History
1 change since Sep 16, 2026 · 2.95% → 3.10% ▲ 0.15 pts · high 3.10% / low 2.95%
2.45%3.03%3.60%Sep 16, 2026: 2.95% APYOct 12, 2026: 3.10% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20263.10%▲ from 2.95%
  • Sep 16, 20262.95%first recorded
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
48 Month IRA Certificate
$500
3.10% ▲ 0.83% above Connecticut avg
View
▼
Rate3.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 0.83% above avgNationally 2.80%
Details

Compounded Monthly

Rate History
1 change since Sep 16, 2026 · 2.95% → 3.10% ▲ 0.15 pts · high 3.10% / low 2.95%
2.45%3.03%3.60%Sep 16, 2026: 2.95% APYOct 12, 2026: 3.10% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20263.10%▲ from 2.95%
  • Sep 16, 20262.95%first recorded
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
Roth IRA Certificates - 48 Month Certificate
$500
3.10% ▲ 0.83% above Connecticut avg
View
▼
Rate3.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 0.83% above avgNationally 2.80%
Details

Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education)

Rate History
No change since Oct 12, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 12, 2026: 3.10% APYOct 12, 2026Oct 13, 2026
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
Roth Share Certificate - 48 Month Certificate
$500
3.10% ▲ 0.83% above Connecticut avg
View
▼
Rate3.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 0.83% above avgNationally 2.80%
Details

Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education)

Rate History
No change since Oct 12, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 12, 2026: 3.10% APYOct 12, 2026Oct 13, 2026
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
299 Whalley Ave, New Haven, CT 06511
4 Year CD
$0
3.00% ▲ 0.73% above Connecticut avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.27%▲ 0.73% above avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 11, 2026: 3.00% APYSep 11, 2026Oct 13, 2026
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
1 Lafayette Cir Ste 1, Bridgeport, CT 06604 6021
4 Year Certificate
$500
3.00% ▲ 0.73% above Connecticut avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 0.73% above avgNationally 2.80%
Details

Savings and IRA (Traditional, Roth, Coverdell) Share Certificates

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Achieve Financial Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.09%
279 New Britain Rd, Berlin, CT 06037
48 Month Share Certificate
$0
2.79% ▲ 0.52% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.27%▲ 0.52% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 5 times
2.29%2.79%3.29%Sep 14, 2026: 2.79% APYSep 14, 2026Oct 13, 2026
Achieve Financial Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.09%
279 New Britain Rd, Berlin, CT 06037
Share Certificate - 48 Months
$0
2.79% ▲ 0.52% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.27%▲ 0.52% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 5 times
2.29%2.79%3.29%Sep 14, 2026: 2.79% APYSep 14, 2026Oct 13, 2026
MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
285 Broad St, Meriden, CT 06450 5847
48 Month Share Certificate
$0
2.78% ▲ 0.51% above Connecticut avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.27%▲ 0.51% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 6 times
2.28%2.78%3.28%Sep 18, 2026: 2.78% APYSep 18, 2026Oct 13, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
470 Bank St, New London, CT 06320
4 Year Online CD
$0
2.75% ▲ 0.48% above Connecticut avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.27%▲ 0.48% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 13, 2026
FD Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
601 Watertown Ave, Waterbury, CT 06708
48 Month Certificate
$500
2.75% ▲ 0.48% above Connecticut avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 0.48% above avgNationally 2.80%
Details

dividends compounded monthly. Early withdrawal penalty = 180 days dividend.

Rate History
No change since Sep 20, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 20, 2026: 2.75% APYSep 20, 2026Oct 13, 2026
New Haven County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
2 Broadway, North Haven, CT 06473
4 Year Share Certificate
$0
2.63% ▲ 0.36% above Connecticut avg
View
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.27%▲ 0.36% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.63% APY · checked 6 times
2.13%2.63%3.13%Sep 14, 2026: 2.63% APYSep 14, 2026Oct 13, 2026
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
366 Main St, Middletown, CT 06457
CD & IRA - 48 Months
$1,000
2.55% ▲ 0.28% above Connecticut avg
View
▼
Rate2.52%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 0.28% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.55% APY · checked 7 times
2.05%2.55%3.05%Sep 14, 2026: 2.55% APYSep 14, 2026Oct 13, 2026
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
120 Woodford Ave, Plainville, CT 06062 2335
48 month IRA Certificate
$0
2.55% ▲ 0.28% above Connecticut avg
View
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 0.28% above avgNationally 2.80%
Details

IRA Certificates

Rate History
No change since Sep 20, 2026 · 2.55% APY · checked 4 times
2.05%2.55%3.05%Sep 20, 2026: 2.55% APYSep 20, 2026Oct 13, 2026
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
2 Furnace Ave, Stafford Springs, CT 06076
4 Year Certificate
$0
2.54% ▲ 0.27% above Connecticut avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.27%▲ 0.27% above avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 2.54% APY · checked 6 times
2.04%2.54%3.04%Sep 19, 2026: 2.54% APYSep 19, 2026Oct 13, 2026
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
516 Spring St, Windsor Locks, CT 06096
4 Year Certificate
$0
2.53% ▲ 0.26% above Connecticut avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 0.26% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 2.53% APY · checked 2 times
2.03%2.53%3.03%Oct 8, 2026: 2.53% APYOct 8, 2026Oct 13, 2026
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
7 Old Tavern Rd, Orange, CT 06477
4 Year Star Relationship CD
$500
2.50% ▲ 0.23% above Connecticut avg
View
▼
Rate2.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.27%▲ 0.23% above avgNationally 2.80%
Details

Early Withdrawal Penalties May Apply; Rates are subject to change at any time

Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 19, 2026: 2.50% APYSep 19, 2026Oct 13, 2026
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
IRA CD - 4 Year
$0
2.50% ▲ 0.23% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 0.23% above avgNationally 2.80%
Details

Premium APY

Rate History
2 changes since Sep 14, 2026 · 2.50% → 2.50% ▼ 0.00 pts · high 2.50% / low 2.25%
1.75%2.38%3.00%Sep 14, 2026: 2.50% APYSep 24, 2026: 2.25% APYOct 3, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20262.50%▲ from 2.25%
  • Sep 24, 20262.25%▼ from 2.50%
  • Sep 14, 20262.50%first recorded
ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
220 Main St, Danbury, CT 06810
4 Year Certificate
$500
2.50% ▲ 0.23% above Connecticut avg
View
▼
Rate2.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 0.23% above avgNationally 2.80%
Details

Until Maturity

Rate History
No change since Oct 12, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 12, 2026: 2.50% APYOct 12, 2026Oct 13, 2026
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
120 Woodford Ave, Plainville, CT 06062 2335
48 month Certificate
$1,000
2.50% ▲ 0.23% above Connecticut avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▲ 0.23% above avgNationally 2.80%
Details

Rates effective as of 01/13/26

Rate History
No change since Sep 12, 2026 · 2.50% APY · checked 10 times
2.00%2.50%3.00%Sep 12, 2026: 2.50% APYSep 12, 2026Oct 13, 2026
Hometown Bank Oxford, MA
Institution Rating:
B4.5 ★Texas Ratio: 21.49%
182 Main St, Putnam, CT 06260
48 Month Certificate of Deposit
$1,000
2.40% ▲ 0.13% above Connecticut avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.27%▲ 0.13% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.35% → 2.40% ▲ 0.05 pts · high 2.40% / low 2.35%
1.85%2.38%2.90%Sep 14, 2026: 2.35% APYOct 7, 2026: 2.40% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20262.40%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
7 Old Tavern Rd, Orange, CT 06477
4 Year Certificate of Deposit (CD)
$500
2.25% ▼ 0.02% below Connecticut avg
View
▼
Rate2.19%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.27%▼ 0.02% below avgNationally 2.80%
Details

Early Withdrawal Penalties May Apply; Rates are subject to change at any time

Rate History
No change since Oct 7, 2026 · 2.25% APY · checked 3 times
1.75%2.25%2.75%Oct 7, 2026: 2.25% APYOct 7, 2026Oct 13, 2026
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
IRA CD - 4 Year
$0
2.25% ▼ 0.02% below Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▼ 0.02% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 5 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 13, 2026
Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
69 Wall St, Norwalk, CT 06850
4 Year Certificate
$0
2.02% ▼ 0.25% below Connecticut avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▼ 0.25% below avgNationally 2.80%
Details

Balance: $100,000.00 and over

Rate History
No change since Sep 24, 2026 · 2.02% APY · checked 5 times
1.52%2.02%2.52%Sep 24, 2026: 2.02% APYSep 24, 2026Oct 13, 2026
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
11 Cranbrook Blvd, Enfield, CT 06082
48 Month Certificate
$1,000
2.02% ▼ 0.25% below Connecticut avg
View
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▼ 0.25% below avgNationally 2.80%
Details

Rate History
No change since Sep 25, 2026 · 2.02% APY · checked 4 times
1.52%2.02%2.52%Sep 25, 2026: 2.02% APYSep 25, 2026Oct 13, 2026
Connecticut Labor Dept Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
200 Folly Brook Blvd, Wethersfield, CT 06109
4 year term
$500
2.00% ▼ 0.27% below Connecticut avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▼ 0.27% below avgNationally 2.80%
Details

Term Share Certificates

Rate History
No change since Oct 8, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 8, 2026: 2.00% APYOct 8, 2026Oct 13, 2026
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
48 Month IRA Certificate
$0
2.00% ▼ 0.27% below Connecticut avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.27%▼ 0.27% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 13, 2026
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
48 Month Share Certificate
$0
2.00% ▼ 0.27% below Connecticut avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.27%▼ 0.27% below avgNationally 2.80%
Details

Rate History
No change since Oct 9, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Oct 9, 2026: 2.00% APYOct 9, 2026Oct 13, 2026
Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
69 Wall St, Norwalk, CT 06850
4 Year Certificate
$0
1.76% ▼ 0.51% below Connecticut avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▼ 0.51% below avgNationally 2.80%
Details

Balance: $25,000.00-$99,999.99

Rate History
No change since Sep 24, 2026 · 1.76% APY · checked 5 times
1.26%1.76%2.26%Sep 24, 2026: 1.76% APYSep 24, 2026Oct 13, 2026
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14 Clara Dr, Mystic, CT 06355
4 Year Certificate
$0
1.65% ▼ 0.62% below Connecticut avg
View
▼
Rate1.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.27%▼ 0.62% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 1.65% APY · checked 6 times
1.15%1.65%2.15%Sep 18, 2026: 1.65% APYSep 18, 2026Oct 13, 2026
Jewett City Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
111 Main St, Jewett City, CT 06351
Certificates of Deposit (CDs) - 4 Years
$1,000
1.50% ▼ 0.77% below Connecticut avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▼ 0.77% below avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 8, 2026: 1.50% APYOct 8, 2026Oct 13, 2026
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
245 Long Hill Rd, Middletown, CT 06457
4-Year CD
$0
1.35% ▼ 0.92% below Connecticut avg
View
▼
Rate1.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.27%▼ 0.92% below avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 1.35% APY · checked 5 times
0.85%1.35%1.85%Sep 24, 2026: 1.35% APYSep 24, 2026Oct 13, 2026
Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
69 Wall St, Norwalk, CT 06850
4 Year Certificate
$0
1.00% ▼ 1.27% below Connecticut avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.27%▼ 1.27% below avgNationally 2.80%
Details

Balance: $2,500.00-$24,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026

Connecticut 60 Month CD Rates

MonitorBankRates Connecticut Average · 60 Month CD2.41% APY▲ 0.09% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Connecticut is 2.41% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates 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
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
1111 Country Club Rd, Middletown, CT 06457 2389
60 Month Certificate
$0
4.49% ▲ 2.08% above Connecticut avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.41%▲ 2.08% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.34% → 4.49% ▲ 0.15 pts · high 4.49% / low 4.34%
3.84%4.41%4.99%Sep 14, 2026: 4.34% APYOct 9, 2026: 4.49% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.49%▲ from 4.34%
  • Sep 14, 20264.34%first recorded
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
203 Main St, Thomaston, CT 06787
60 Month Business Certificate of Deposit - Fixed Rate
$1,000
4.35% ▲ 1.94% above Connecticut avg
View
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.41%▲ 1.94% above avgNationally 2.90%
Details

Interest Rate $1,000 - $249,999.99 Daily balance to earn APY

Rate History
1 change since Sep 19, 2026 · 3.50% → 4.35% ▲ 0.85 pts · high 4.35% / low 3.50%
2.65%3.93%5.20%Sep 19, 2026: 3.50% APYOct 7, 2026: 4.35% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.35%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
203 Main St, Thomaston, CT 06787
60 Month Certificate of Deposit - Fixed Rate
$1,000
4.35% ▲ 1.94% above Connecticut avg
View
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.41%▲ 1.94% above avgNationally 2.90%
Details

Rate History
1 change since Sep 19, 2026 · 3.50% → 4.35% ▲ 0.85 pts · high 4.35% / low 3.50%
2.65%3.93%5.20%Sep 19, 2026: 3.50% APYOct 7, 2026: 4.35% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.35%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
100 First Stamford Pl Ste 615, Stamford, CT 06902
60 Month 360 CDs
$0
4.30% ▲ 1.89% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.41%▲ 1.89% above avgNationally 2.90%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
253 High St, Hartford, CT 06103
5 Year Term Share Certificate
$0
4.28% ▲ 1.87% above Connecticut avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.41%▲ 1.87% above avgNationally 2.90%
Details

Effective 10/01/2026

Rate History
1 change since Sep 25, 2026 · 3.92% → 4.28% ▲ 0.36 pts · high 4.28% / low 3.92%
3.42%4.10%4.78%Sep 25, 2026: 3.92% APYOct 4, 2026: 4.28% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.28%▲ from 3.92%
  • Sep 25, 20263.92%first recorded
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
777 E Main St, Torrington, CT 06790 3915
60 Month Share Certificate - Regular/IRA
$0
4.23% ▲ 1.82% above Connecticut avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.41%▲ 1.82% above avgNationally 2.90%
Details

Type: Regular/IRA; $500 minimum balance required; dividends declared and paid monthly on average daily balance; penalty may apply for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.23% APY
3.73%4.23%4.73%Oct 13, 2026: 4.23% APYOct 13, 2026Oct 13, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
39 Clovelly Rd, Stamford, CT 06902
5-Year Share Certificate
$1,000
4.08% ▲ 1.67% above Connecticut avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.41%▲ 1.67% above avgNationally 2.90%
Details

Early withdrawal penalty: 9 Months Dividends

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 8 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 13, 2026
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
253 West St, Seymour, CT 06483 2648
Business Share Certificates - 60 Months
$500
4.00% ▲ 1.59% above Connecticut avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.41%▲ 1.59% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
253 West St, Seymour, CT 06483 2648
Share & IRA Certificates - 60 Months
$500
4.00% ▲ 1.59% above Connecticut avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.41%▲ 1.59% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
15 Mohegan Ave, New London, CT 06320
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 1.49% above Connecticut avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.41%▲ 1.49% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
15 Mohegan Ave, New London, CT 06320
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 1.44% above Connecticut avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.41%▲ 1.44% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
14 Research Drive, Bethel, CT 06810
60 Month Regular term and IRA Certificates
$2,500
3.82% ▲ 1.41% above Connecticut avg
View
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.41%▲ 1.41% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
2.78%3.56%4.34%Sep 18, 2026: 3.30% APYSep 27, 2026: 3.82% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20263.82%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
Northwest Community Bank
Institution Rating:
A4.9 ★Texas Ratio: 7.16%
294 West St, Litchfield, CT 06759
5 Year Time Deposit & IRA
$500
3.75% ▲ 1.34% above Connecticut avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.41%▲ 1.34% above avgNationally 2.90%
Details

Rate History
1 change since Sep 24, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 24, 2026: 3.50% APYOct 7, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
520 Cromwell Ave, Rocky Hill, CT 06067
60 Month Share Certificate
$0
3.75% ▲ 1.34% above Connecticut avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.41%▲ 1.34% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
100 First Stamford Pl Ste 615, Stamford, CT 06902
5-year online CDs
$0
3.60% ▲ 1.19% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.41%▲ 1.19% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
100 First Stamford Pl Ste 615, Stamford, CT 06902
60 Month Certificate
$0
3.60% ▲ 1.19% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.41%▲ 1.19% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
129 Main St, Torrington, CT 06790
60 Month CD
$1,000
3.50% ▲ 1.09% above Connecticut avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.41%▲ 1.09% above avgNationally 2.90%
Details

Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 19, 2026: 3.50% APYSep 19, 2026Oct 13, 2026
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
129 Main St, Torrington, CT 06790
60 Month IRA Certificate of Deposit
$1,000
3.50% ▲ 1.09% above Connecticut avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.41%▲ 1.09% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
680 Birch St, Bristol, CT 06010
Investment Share and IRA Certificates - 60 Months
$0
3.50% ▲ 1.09% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.41%▲ 1.09% above avgNationally 2.90%
Details

Rates accurate as of 9/23/26; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 2.50% → 3.50% ▲ 1.00 pts · high 3.50% / low 2.50%
1.50%3.00%4.50%Sep 14, 2026: 2.50% APYOct 5, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.50%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
339 N Elm St, Torrington, CT 06790
60 Month IRA & Roth IRA Certificates
$0
3.50% ▲ 1.09% above Connecticut avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.41%▲ 1.09% above avgNationally 2.90%
Details

Certificate compounding monthly; $500 minimum to earn APY; penalty for early withdrawal; rates as of 5/1/2026

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
339 N Elm St, Torrington, CT 06790
60 Month Share Certificates
$0
3.50% ▲ 1.09% above Connecticut avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.41%▲ 1.09% above avgNationally 2.90%
Details

Certificate compounding monthly; $500 minimum to earn APY; penalty for early withdrawal; rates as of 5/01/2026

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
624 Franklin Ave, Hartford, CT 06114
IRA Certificates - 60 Months
$0
3.35% ▲ 0.94% above Connecticut avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.41%▲ 0.94% above avgNationally 2.90%
Details

0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.

Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 20, 2026: 3.35% APYSep 20, 2026Oct 13, 2026
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
624 Franklin Ave, Hartford, CT 06114
Regular Certificates - 60 Months
$0
3.35% ▲ 0.94% above Connecticut avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.41%▲ 0.94% above avgNationally 2.90%
Details

0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.

Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 8, 2026: 3.35% APYOct 8, 2026Oct 13, 2026
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
60 Month Certificate
$500
3.20% ▲ 0.79% above Connecticut avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.41%▲ 0.79% above avgNationally 2.90%
Details

Compounded Monthly

Rate History
1 change since Sep 16, 2026 · 3.05% → 3.20% ▲ 0.15 pts · high 3.20% / low 3.05%
2.55%3.13%3.70%Sep 16, 2026: 3.05% APYOct 12, 2026: 3.20% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20263.20%▲ from 3.05%
  • Sep 16, 20263.05%first recorded
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
60 Month IRA Certificate
$500
3.20% ▲ 0.79% above Connecticut avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.41%▲ 0.79% above avgNationally 2.90%
Details

Compounded Monthly

Rate History
1 change since Sep 16, 2026 · 3.05% → 3.20% ▲ 0.15 pts · high 3.20% / low 3.05%
2.55%3.13%3.70%Sep 16, 2026: 3.05% APYOct 12, 2026: 3.20% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20263.20%▲ from 3.05%
  • Sep 16, 20263.05%first recorded
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
Roth IRA Certificates - 60 Month Certificate
$500
3.20% ▲ 0.79% above Connecticut avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.41%▲ 0.79% above avgNationally 2.90%
Details

Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education)

Rate History
No change since Oct 12, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 12, 2026: 3.20% APYOct 12, 2026Oct 13, 2026
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
773 Straits Tpke, Middlebury, CT 06762 2852
Roth Share Certificate - 60 Month Certificate
$500
3.20% ▲ 0.79% above Connecticut avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.41%▲ 0.79% above avgNationally 2.90%
Details

Compounded Monthly; IRA Certificates (Roth, Traditional or Coverdell Education)

Rate History
No change since Oct 12, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 12, 2026: 3.20% APYOct 12, 2026Oct 13, 2026
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
120 Woodford Ave, Plainville, CT 06062 2335
60 month IRA Certificate
$0
3.05% ▲ 0.64% above Connecticut avg
View
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.41%▲ 0.64% above avgNationally 2.90%
Details

IRA Certificates

Rate History
No change since Sep 20, 2026 · 3.05% APY · checked 4 times
2.55%3.05%3.55%Sep 20, 2026: 3.05% APYSep 20, 2026Oct 13, 2026
Achieve Financial Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.09%
279 New Britain Rd, Berlin, CT 06037
60 Month Share Certificate
$0
3.05% ▲ 0.64% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.41%▲ 0.64% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 5 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
Achieve Financial Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.09%
279 New Britain Rd, Berlin, CT 06037
Share Certificate - 60 Months
$0
3.05% ▲ 0.64% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.41%▲ 0.64% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 5 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
299 Whalley Ave, New Haven, CT 06511
5 Year CD
$0
3.00% ▲ 0.59% above Connecticut avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.41%▲ 0.59% above avgNationally 2.90%
Details

Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 11, 2026: 3.00% APYSep 11, 2026Oct 13, 2026
FD Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
601 Watertown Ave, Waterbury, CT 06708
60 Month Certificate
$500
3.00% ▲ 0.59% above Connecticut avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.41%▲ 0.59% above avgNationally 2.90%
Details

dividends compounded monthly. Early withdrawal penalty = 180 days dividend.

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Oct 13, 2026
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
1 Lafayette Cir Ste 1, Bridgeport, CT 06604 6021
5 Year Certificate
$500
3.00% ▲ 0.59% above Connecticut avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.41%▲ 0.59% above avgNationally 2.90%
Details

Savings and IRA (Traditional, Roth, Coverdell) Share Certificates

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
120 Woodford Ave, Plainville, CT 06062 2335
60 month Certificate
$1,000
3.00% ▲ 0.59% above Connecticut avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.41%▲ 0.59% above avgNationally 2.90%
Details

Rates effective as of 01/13/26

Rate History
No change since Sep 12, 2026 · 3.00% APY · checked 10 times
2.50%3.00%3.50%Sep 12, 2026: 3.00% APYSep 12, 2026Oct 13, 2026
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
60 Month IRA Certificate
$0
3.00% ▲ 0.59% above Connecticut avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.41%▲ 0.59% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
60 Month Share Certificate
$0
3.00% ▲ 0.59% above Connecticut avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Connecticut Average2.41%▲ 0.59% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 9, 2026: 3.00% APYOct 9, 2026Oct 13, 2026
New Haven County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
2 Broadway, North Haven, CT 06473
5 Year Share Certificate
$0
2.84% ▲ 0.43% above Connecticut avg
View
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.41%▲ 0.43% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.84% APY · checked 6 times
2.34%2.84%3.34%Sep 14, 2026: 2.84% APYSep 14, 2026Oct 13, 2026
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
964 Asylum Ave, Hartford, CT 06105
2.5 Year Certificate and IRA Certificate
$0
2.78% ▲ 0.37% above Connecticut avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.41%▲ 0.37% above avgNationally 2.90%
Details

Certificate and IRA Certificate Rates

Rate History
No change since Oct 13, 2026 · 2.78% APY
2.28%2.78%3.28%Oct 13, 2026: 2.78% APYOct 13, 2026Oct 13, 2026
MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
285 Broad St, Meriden, CT 06450 5847
60 Month Share Certificate
$0
2.78% ▲ 0.37% above Connecticut avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Connecticut Average2.41%▲ 0.37% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 6 times
2.28%2.78%3.28%Sep 18, 2026: 2.78% APYSep 18, 2026Oct 13, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
470 Bank St, New London, CT 06320
5 Year Online CD
$0
2.75% ▲ 0.34% above Connecticut avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.41%▲ 0.34% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 13, 2026
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14 Clara Dr, Mystic, CT 06355
5 Year Certificate
$0
2.75% ▲ 0.34% above Connecticut avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.41%▲ 0.34% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 13, 2026
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
2 Furnace Ave, Stafford Springs, CT 06076
5 Year Certificate
$0
2.54% ▲ 0.13% above Connecticut avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.41%▲ 0.13% above avgNationally 2.90%
Details

Rate History
No change since Sep 19, 2026 · 2.54% APY · checked 6 times
2.04%2.54%3.04%Sep 19, 2026: 2.54% APYSep 19, 2026Oct 13, 2026
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
516 Spring St, Windsor Locks, CT 06096
5 Year Certificate
$0
2.53% ▲ 0.12% above Connecticut avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.41%▲ 0.12% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 2.53% APY · checked 2 times
2.03%2.53%3.03%Oct 8, 2026: 2.53% APYOct 8, 2026Oct 13, 2026
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
964 Asylum Ave, Hartford, CT 06105
5 Year Certificate and IRA Certificate
$0
2.53% ▲ 0.12% above Connecticut avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Connecticut Average2.41%▲ 0.12% above avgNationally 2.90%
Details

Certificate and IRA Certificate Rates

Rate History
No change since Oct 13, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 13, 2026: 2.53% APYOct 13, 2026Oct 13, 2026
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
7 Old Tavern Rd, Orange, CT 06477
5 Year Star Relationship CD
$500
2.50% ▲ 0.09% above Connecticut avg
View
▼
Rate2.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.41%▲ 0.09% above avgNationally 2.90%
Details

Early Withdrawal Penalties May Apply; Rates are subject to change at any time

Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 19, 2026: 2.50% APYSep 19, 2026Oct 13, 2026
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
IRA CD - 5 Year
$0
2.50% ▲ 0.09% above Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.41%▲ 0.09% above avgNationally 2.90%
Details

Premium APY

Rate History
2 changes since Sep 14, 2026 · 2.50% → 2.50% ▼ 0.00 pts · high 2.50% / low 2.25%
1.75%2.38%3.00%Sep 14, 2026: 2.50% APYSep 24, 2026: 2.25% APYOct 3, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20262.50%▲ from 2.25%
  • Sep 24, 20262.25%▼ from 2.50%
  • Sep 14, 20262.50%first recorded
ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.25%
220 Main St, Danbury, CT 06810
5 Year Certificate
$500
2.50% ▲ 0.09% above Connecticut avg
View
▼
Rate2.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.41%▲ 0.09% above avgNationally 2.90%
Details

Until Maturity

Rate History
No change since Oct 12, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 12, 2026: 2.50% APYOct 12, 2026Oct 13, 2026
Hometown Bank Oxford, MA
Institution Rating:
B4.5 ★Texas Ratio: 21.49%
182 Main St, Putnam, CT 06260
60 Month Certificate of Deposit
$1,000
2.30% ▼ 0.11% below Connecticut avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Connecticut Average2.41%▼ 0.11% below avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 2.25% → 2.30% ▲ 0.05 pts · high 2.30% / low 2.25%
1.75%2.28%2.80%Sep 14, 2026: 2.25% APYOct 7, 2026: 2.30% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20262.30%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
7 Old Tavern Rd, Orange, CT 06477
5 Year Certificate of Deposit (CD)
$500
2.25% ▼ 0.16% below Connecticut avg
View
▼
Rate2.19%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Connecticut Average2.41%▼ 0.16% below avgNationally 2.90%
Details

Early Withdrawal Penalties May Apply; Rates are subject to change at any time

Rate History
No change since Oct 7, 2026 · 2.25% APY · checked 3 times
1.75%2.25%2.75%Oct 7, 2026: 2.25% APYOct 7, 2026Oct 13, 2026
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
IRA CD - 5 Year
$0
2.25% ▼ 0.16% below Connecticut avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Connecticut Average2.41%▼ 0.16% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 5 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 13, 2026
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.

Top CD Rates from Connecticut Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
DR Bank
Prime Certificates of Deposit (CD) - 24 month
A+ 5.0 ★ TX: 1.17%
Min: $500
4.45%
Thomaston Savings Bank
36 Month Business Certificate of Deposit - Fixed Rate
A+ 5.0 ★ TX: 5.17%
Min: $1,000
4.35%
Capital One Bank
12 Month 360 CDs
A 5.0 ★ TX: 7.00%
Min: $0
4.30%
Flagstar Bank, National Association
12-MONTH CD
D 3.3 ★ TX: 35.11%
Min: $500
4.30%
Zynlo Bank
6 Month CD
A+ 5.0 ★ TX: 5.27%
Min: $0
4.20%
CU Top 5 Credit Union Rates
USALLIANCE
12 Month Certificate
A 5.0 ★ TX: 8.11%
Min: $0
4.50%
State Police Credit Union
60 Month Certificate
A+ 5.0 ★ TX: 0.09%
Min: $0
4.49%
Dutch Point Credit Union
12 Month Jumbo Share Certificates
A+ 5.0 ★ TX: 0.64%
Min: $0
4.45%
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
Police Federal Credit Union Of Connecticut
5 Year Term Share Certificate
A 5.0 ★ TX: 7.69%
Min: $0
4.28%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Connecticut CD Rate Trends

Compare local Connecticut CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Connecticut CD Trends
12-Month CD CT Avg
2.681%
▲ 0.019 vs 7 days ago

Connecticut 12-month CD rates rose 0.019 points over the past 7 days to 2.681% APY.

6-Month CD CT Avg
2.483%
▲ 0.021 vs 7 days ago

Connecticut 6-month CD rates rose 0.021 points over the past 7 days to 2.483% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

CT CD Rate Forecast, Next 12 Months

Where are Connecticut CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

CT 12-Month Avg APY
2.681%
6-Month Forecast
2.681%
Range: 2.48%, 2.83%
12-Month Forecast
2.931%
Range: 2.73%, 3.08%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Connecticut average 12-month CD APY in our database.

Spread model: The Connecticut 12-month CD average currently trades 1.69% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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What Your Savings Earn at CT CD Rates Today

Annual interest earnings at today’s Connecticut average APYs. State average used where available; national average as fallback.

CD Term CT Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.566% $78.30 $156.60 $391.50 $783.00
6-Month CD 2.483% $124.16 $248.33 $620.82 $1,241.65
12-Month CD 2.681% $134.06 $268.12 $670.30 $1,340.60
18-Month CD 2.465% $123.27 $246.53 $616.33 $1,232.65
24-Month CD 2.387% $119.36 $238.71 $596.78 $1,193.55
36-Month CD 2.271% $113.55 $227.10 $567.75 $1,135.50
48-Month CD 2.270% $113.51 $227.01 $567.53 $1,135.05
60-Month CD 2.406% $120.28 $240.55 $601.38 $1,202.75
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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Sample CD Ladder for Connecticut Savers

$25,000 split equally across 5 terms using today’s Connecticut average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit CT Avg APY Annual Earnings
1 3-Month CD $5,000 1.566% $78.30
2 6-Month CD $5,000 2.483% $124.16
3 12-Month CD $5,000 2.681% $134.06
4 24-Month CD $5,000 2.387% $119.36
5 36-Month CD $5,000 2.271% $113.55
Total ($25,000 invested) $25,000 2.278% blended $569.43/yr

Ladder example uses equal $5,000 rungs and Connecticut average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

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747
CD Rates
Tracked in Connecticut
35 Banks 45 Credit Unions

About Our Connecticut CD Rate Database

MonitorBankRates tracks 747 CD rates from 35 banks and 45 credit unions with locations in Connecticut, plus national online institutions available to Connecticut residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: USALLIANCE offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Connecticut.

How to Find the Best CD Rates in Connecticut

What to compare when shopping for a CD in Connecticut

To find the best APYs in Connecticut, start with credit unions and online-only banks: Connecticut has 45 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

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.

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 in Connecticut

  • 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 prefer banking with an institution that has a local branch in Connecticut: 80 institutions here report CD rates

Consider an Alternative If…

Connecticut Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
18.5%
National avg: 17.3%
Median Individual Earnings
$52,599
National avg: $47,340
Poverty Rate
10.0%
National avg: 11.1%
Unemployment Rate
5.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$141/yr
At CT 12-mo avg 2.681% APY

18.5% of residents are 65 or older, in line with the national average of 17.3%. At today’s CT 12-month CD average of 2.681%, saving 10% of the local median salary ($5,259/year) and putting it in a CD would earn an additional $141 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Connecticut

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Connecticut

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Connecticut typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Connecticut as everywhere in the U.S.

Choosing a CD Term in Connecticut

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Connecticut savers easier access to their funds. For example, Dutch Point Credit Union is offering its 6 Month Jumbo Share Certificates at 4.45% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, State Police Credit Union is offering its 60 Month Certificate at 4.49% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Connecticut Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Connecticut saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Connecticut

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Connecticut CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Connecticut

Most CDs carry a fixed rate that is locked for the entire term, protecting a Connecticut depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Connecticut

Are CD rates in Connecticut FDIC insured?

Yes, most established banks in Connecticut are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Connecticut?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Connecticut.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Connecticut may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Connecticut?

Here are recent top rates found for this area:
  • USALLIANCE: 4.50% APY (12 Month Certificate)
  • State Police Credit Union: 4.49% APY (60 Month Certificate)
  • DR Bank: 4.45% APY (Prime Certificates of Deposit (CD) - 24 month)
  • Dutch Point Credit Union: 4.45% APY (12 Month Jumbo Share Certificates)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • Thomaston Savings Bank: 4.35% APY (36 Month Business Certificate of Deposit - Fixed Rate)
  • Capital One Bank: 4.30% APY (12 Month 360 CDs)
  • Flagstar Bank, National Association: 4.30% APY (12-MONTH CD)
  • Police Federal Credit Union Of Connecticut: 4.28% APY (5 Year Term Share Certificate)
  • Northwest Hills Credit Union: 4.25% APY (6 Month Share Certificate Special)
Rates reflect recent verified offers available in Connecticut. Last Updated: October 13, 2026

Connecticut 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 Connecticut rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Connecticut CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Connecticut. Averages shown use the Connecticut state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Connecticut

Connecticut CD Calculator

At today’s CT top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.

Connecticut CD Ladder

CT CD rates currently range from 1.566% (3-month) to 2.271% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Connecticut CD at 4.50% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Connecticut’s average 12-month CD is 2.681% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Connecticut 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 for Connecticut 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 in Connecticut. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in CT.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026

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