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Connecticut Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Connecticut CD rates include USALLIANCEUSALLIANCE1 Atwood Pl, West Haven, CT 06516 2047A5.0 ★Texas Ratio: 7.14%Real return: +1.56%APY minus CPI (February 2026) offering 12 Month Certificate at 4.36% APY, State Police Credit UnionState Police Credit Union1111 Country Club Rd, Middletown, CT 06457 2389A+5.0 ★Texas Ratio: 0.06%Real return: +1.54%APY minus CPI (February 2026) offering Share & IRA CDs - 60 Months at 4.34% APY, Finex Credit UnionFinex Credit Union616 Burnside Ave, East Hartford, CT 06108A5.0 ★Texas Ratio: 9.34%Real return: +1.53%APY minus CPI (February 2026) offering 12-MONTH CD SPECIAL at 4.33% APY, Capital One BankCapital One Bank100 First Stamford Pl Ste 615, Stamford, CT 06902A5.0 ★Texas Ratio: 7.01%Real return: +1.50%APY minus CPI (February 2026) offering 12 Month 360 CDs at 4.30% APY, and DR BankDR Bank1001 Post Rd, Darien, CT 06820A+5.0 ★Texas Ratio: 1.17%Real return: +1.50%APY minus CPI (February 2026) offering 12 Month Certificate at 4.30% APY. CD rates as of September 21, 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 4.36% 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: September 21, 2026
Compare Best CD Rates in Connecticut
Connecticut 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD2.06% APY▲ 0.02% from last week
The national average 3-month CD rate is 2.06% APY as of September 22, 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
3 Month Certificate
$500
4.05%
▲ 1.99% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.99% above avg
Details
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%
▲ 1.94% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.94% above avg
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. 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.
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
117 Prospect St, Stamford, CT 06901
3 Month Certificate
$0
4.00%
▲ 1.94% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.94% above avg
Details
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
3 Month Jumbo Certificate
$0
4.00%
▲ 1.94% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.94% above avg
Details
Jumbo Certificate (3, 6, 9 and 12 Months)
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%
▲ 1.73% above national avg
▼
Rate3.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.73% above avg
Details
Arrha Credit Union
231 Hazard Ave, Enfield, CT 06082 4647
3 Month Premium Certificate
$50,000
3.65%
▲ 1.59% above national avg
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.59% above avg
Details
Arrha Credit Union
231 Hazard Ave, Enfield, CT 06082 4647
3 Month Certificate
$500
3.55%
▲ 1.49% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.49% above avg
Details
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%
▲ 1.44% above national avg
▼
Rate3.39%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.44% above avg
Details
Early Withdrawal Penalties May Apply
Northwest Community Bank
Institution Rating:
A4.9 ★Texas Ratio: 7.16%
294 West St, Litchfield, CT 06759
3 Month Time Deposit & IRA
$500
3.45%
▲ 1.39% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.39% above avg
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
39 Clovelly Rd, Stamford, CT 06902
3-Month Share Certificate
$1,000
3.35%
▲ 1.29% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.29% above avg
Details
Penalty for early withdrawal: 3 Months Dividends
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
3-Month CD
$0
3.00%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.94% above avg
Details
Premium APY
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
520 Cromwell Ave, Rocky Hill, CT 06067
3 Month Share Certificate
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details
Americas First Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
45 Commerce Dr, Trumbull, CT 06611 5403
3 Month Standard Share Certificate
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
84 Wadsworth St, Hartford, CT 06106
3 Month Certificate
$500
2.80%
▲ 0.74% above national avg
▼
Rate2.76%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.74% above avg
Details
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
3-Month CD
$0
2.75%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.69% above avg
Details
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
299 Whalley Ave, New Haven, CT 06511
3 Month Certificates of Deposit (Regular and IRAs)
$0
2.00%
▼ 0.06% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.06% below avg
Details
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
1.50%
▼ 0.56% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.56% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
2 N Main St, Wallingford, CT 06492
3 Month CD
$250
1.00%
▼ 1.06% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.06% below avg
Details
Relationship APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
2 N Main St, Wallingford, CT 06492
3 Month Certificate
$0
1.00%
▼ 1.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.06% below avg
Details
Balance: $250.00 - $9,999.99
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
120 Woodford Ave, Plainville, CT 06062 2335
3 month Certificate
$1,000
1.00%
▼ 1.06% below national avg
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 1.06% below avg
Details
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
964 Asylum Ave, Hartford, CT 06105
3 Month Certificate
$0
1.00%
▼ 1.06% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.06% below avg
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
680 Birch St, Bristol, CT 06010
3 Month Investment Share and IRA Certificates
$0
1.00%
▼ 1.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.06% below avg
Details
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
253 West St, Seymour, CT 06483 2648
3 Month Business Share Certificates
$500
0.90%
▼ 1.16% below national avg
▼
Rate0.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.16% below avg
Details
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
253 West St, Seymour, CT 06483 2648
3 Month Share Certificate
$500
0.90%
▼ 1.16% below national avg
▼
Rate0.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.16% below avg
Details
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
$0
0.75%
▼ 1.31% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 1.31% below avg
Details
St Vincents Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
2800 Main St, Bridgeport, CT 06606
3 Month Share Certificates
$0
0.50%
▼ 1.56% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 1.56% below avg
Details
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
3 Month IRA Certificate
$0
0.50%
▼ 1.56% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.56% below avg
Details
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
3 Month Share Certificates
$0
0.50%
▼ 1.56% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.56% below avg
Details
GHA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
5 Perryridge Rd, Greenwich, CT 06830 4608
90 Days Certificate
$0
0.25%
▼ 1.81% below national avg
▼
Rate0.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.81% below avg
Details
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
361 MAIN ST, EAST HARTFORD, CT 06118 1879
3-Month Certificate
$0
0.15%
▼ 1.91% below national avg
▼
Rate0.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.91% below avg
Details
Newtown Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
39 Main St, Newtown, CT 06470
3 Month CD
$0
0.15%
▼ 1.91% below national avg
▼
Rate0.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 1.91% below avg
Details
Early Withdrawal Penalty: 30 Days Interest
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%
▼ 1.96% below national avg
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 1.96% below avg
Details
ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
220 Main St, Danbury, CT 06810
3 Month Certificate of Deposit
$500
0.10%
▼ 1.96% below national avg
▼
Rate0.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 1.96% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
211 Main St, Ansonia, CT 06401
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.00% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
211 Main St, Ansonia, CT 06401
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1959 Summer St, Stamford, CT 06905
Private 3 Month
$0
0.02%
▼ 2.04% below national avg
▼
Rate0.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.04% below avg
Details
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1959 Summer St, Stamford, CT 06905
3 Month CD
$500
0.01%
▼ 2.05% below national avg
▼
Rate0.01%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.05% below avg
Details
Connecticut 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.77% APY▲ 0.02% from last week
The national average 6-month CD rate is 2.77% APY as of September 22, 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
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
100 First Stamford Pl Ste 615, Stamford, CT 06902
6 Month 360 CDs
$0
4.30%
▲ 1.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.53% above avg
Details
Fixed APY | No minimum balance
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
1001 Post Rd, Darien, CT 06820
6 Month Certificate
$500
4.30%
▲ 1.53% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.53% above avg
Details
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
339 N Elm St, Torrington, CT 06790
6 Month Share Certificate Special
$0
4.25%
▲ 1.48% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.48% above avg
Details
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
516 Spring St, Windsor Locks, CT 06096
6-Month CD
$0
4.07%
▲ 1.30% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 1.30% above avg
Details
FD Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
601 Watertown Ave, Waterbury, CT 06708
6 Month CD Only
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details
dividends compounded monthly. Early withdrawal penalty = 90 days dividend.
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
39 Clovelly Rd, Stamford, CT 06902
6-Month Share Certificate
$1,000
4.00%
▲ 1.23% above national avg
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
Penalty for early withdrawal: 3 Months Dividends
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
6 Month Jumbo Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
Jumbo Certificate (3, 6, 9 and 12 Months)
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
520 Cromwell Ave, Rocky Hill, CT 06067
6 Month Share Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
21 Silas Deane Hwy, Wethersfield, CT 06109
6 Month Certificate
$0
3.95%
▲ 1.18% above national avg
▼
Rate3.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.18% above avg
Details
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
361 MAIN ST, EAST HARTFORD, CT 06118 1879
6-Month Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
120 Woodford Ave, Plainville, CT 06062 2335
6 month Certificate
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
84 Wadsworth St, Hartford, CT 06106
6 Month Certificate
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Lawrence Memorial Hospital Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
365 Montauk Ave, New London, CT 06320
6 month Share Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Lawrence Memorial Hospital Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
365 Montauk Ave, New London, CT 06320
Share Certificate - 6 month
$0
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
75 Holly Hill Ln, Greenwich, CT 06830
6-Month CD
$2,500
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
New Money required. Offer subject to change or cancellation at any time without notice. Limited-time offer.
Arrha Credit Union
231 Hazard Ave, Enfield, CT 06082 4647
6 Month Premium Certificate
$50,000
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
777 E Main St, Torrington, CT 06790 3915
6 Month Regular/IRA Share Certificate
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.79% above avg
Details
Balance: $500 Minimum Balance Required; Dividends are declared and paid at the end of each month for all share certificates. Dividends are calculated on an average daily balance. All dividends are accurate as of 09/30/2026. There may be a penalty for early withdrawal of the share certificates.
Achieve Financial Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.29%
279 New Britain Rd, Berlin, CT 06037
Share Certificate - 6 Months
$0
3.56%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.79% above avg
Details
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
14 Clara Dr, Mystic, CT 06355
6-Month Relationship CD Special
$500
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details
Special offer for Washington Trust Freedom Ultra or Freedom Plus checking account customers! Open in branch or over the phone. Offer is for a limited time only and may be withdrawn at any time. No municipal or government funds. CD withdrawals before maturity date will reduce the APY earned and early withdrawal penalties will be imposed. Fees may reduce earnings.
Arrha Credit Union
231 Hazard Ave, Enfield, CT 06082 4647
6 Month Certificate
$500
3.55%
▲ 0.78% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details
Norwalk Hospital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
31 1 2 Stevens St, Norwalk, CT 06850 3805
6 Month Certificate
$1,000
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details
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%
▲ 0.73% above national avg
▼
Rate3.39%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.73% above avg
Details
Early Withdrawal Penalties May Apply
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%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.73% above avg
Details
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
203 Main St, Thomaston, CT 06787
6 Month Business Certificate of Deposit - Fixed Rate
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.73% above avg
Details
Daily balance to earn APY
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
203 Main St, Thomaston, CT 06787
6 Month Certificate of Deposit - Fixed Rate
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.73% above avg
Details
Daily balance to earn APY: $1,000 - $249,999.99
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
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.73% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
100 First Stamford Pl Ste 615, Stamford, CT 06902
6 Month CD
$0
3.30%
▲ 0.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
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%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
285 Broad St, Meriden, CT 06450 5847
6 Month Share Certificate
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
Hartford Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
776 Maple Ave, Hartford, CT 06114 2317
6 Month Share Certificate Special
$1,000
3.25%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.48% above avg
Details
New Money Only. $100,000 Max.
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
680 Birch St, Bristol, CT 06010
6 Month Cert.
$0
3.25%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.48% above avg
Details
Featured Rate
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
680 Birch St, Bristol, CT 06010
6 Month Certificate
$0
3.25%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.48% above avg
Details
Rates are accurate as of 9/14/26. Rates may change after account opening.
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
680 Birch St, Bristol, CT 06010
6 Month Investment Share and IRA Certificates
$0
3.25%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.48% above avg
Details
ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
220 Main St, Danbury, CT 06810
6 Month Certificate of Deposit
$500
3.00%
▲ 0.23% above national avg
▼
Rate2.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.23% above avg
Details
Newtown Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
39 Main St, Newtown, CT 06470
6 Month CD
$0
3.00%
▲ 0.23% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.23% above avg
Details
Early Withdrawal Penalty: 90 Days Interest
Manchester Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
479 Main St, Manchester, CT 06040 4101
6 Month Certificate Accounts
$0
3.00%
▲ 0.23% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.23% above avg
Details
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
117 Prospect St, Stamford, CT 06901
6 Month Certificate
$0
2.75%
▼ 0.02% below national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 0.02% below avg
Details
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
6-Month CD
$0
2.75%
▼ 0.02% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 0.02% below avg
Details
Premium APY
ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
220 Main St, Danbury, CT 06810
6 Month Smart Choice Liquid CD
$50,000
2.75%
▼ 0.02% below national avg
▼
Rate2.68%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.02% below avg
Details
Americas First Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
45 Commerce Dr, Trumbull, CT 06611 5403
6 Month Standard Share Certificate
$0
2.75%
▼ 0.02% below national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.02% below avg
Details
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
964 Asylum Ave, Hartford, CT 06105
6 Month Certificate
$0
2.53%
▼ 0.24% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.24% below avg
Details
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
299 Whalley Ave, New Haven, CT 06511
6 Month Certificates of Deposit (Regular and IRAs)
$0
2.50%
▼ 0.27% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 0.27% below avg
Details
Hometown Bank Oxford, MA
Institution Rating:
B4.5 ★Texas Ratio: 21.49%
182 Main St, Putnam, CT 06260
6 Month Certificate of Deposit
$1,000
2.50%
▼ 0.27% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 0.27% below avg
Details
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
6-Month CD
$0
2.50%
▼ 0.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 0.27% below avg
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
2 Furnace Ave, Stafford Springs, CT 06076
6 Month Certificate
$1,000
2.28%
▼ 0.49% below national avg
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 0.49% below avg
Details
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
14 Research Drive, Bethel, CT 06810
6 Month Regular term and IRA Certificates
$2,500
2.02%
▼ 0.75% below national avg
▼
Rate2.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.75% below avg
Details
Northwest Community Bank
Institution Rating:
A4.9 ★Texas Ratio: 7.16%
294 West St, Litchfield, CT 06759
6 Month Time Deposit & IRA
$500
2.00%
▼ 0.77% below national avg
▼
Rate1.98%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 0.77% below avg
Details
Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
69 Wall St, Norwalk, CT 06850
182 Day / 6 Month
$0
1.76%
▼ 1.01% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.01% below avg
Details
Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
69 Wall St, Norwalk, CT 06850
182 Day / 6 Month
$0
1.51%
▼ 1.26% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.26% below avg
Details
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
253 West St, Seymour, CT 06483 2648
6 Month Business Share Certificates
$500
1.25%
▼ 1.52% below national avg
▼
Rate1.24%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.52% below avg
Details
Connecticut 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.95% APY▲ 0.03% from last week
The national average 12-month CD rate is 2.95% APY as of September 22, 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: 7.14%
1 Atwood Pl, West Haven, CT 06516 2047
12 Month Certificate
$0
4.36%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.41% above avg
Details
Special Rate
Finex Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
616 Burnside Ave, East Hartford, CT 06108
12-MONTH CD SPECIAL
$1,000
4.33%
▲ 1.38% above national avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.38% above avg
Details
FEATURED:
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
100 First Stamford Pl Ste 615, Stamford, CT 06902
12 Month 360 CDs
$0
4.30%
▲ 1.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.35% above avg
Details
Fixed APY | No minimum balance
DR Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
1001 Post Rd, Darien, CT 06820
12 Month Certificate
$500
4.30%
▲ 1.35% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.35% above avg
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
39 Clovelly Rd, Stamford, CT 06902
1-Year Share Certificate
$1,000
4.10%
▲ 1.15% above national avg
▼
Rate4.02%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.15% above avg
Details
Penalty for early withdrawal: 3 Months Dividends
New Haven County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
2 Broadway, North Haven, CT 06473
Share Certificate - 1 year
$0
4.08%
▲ 1.13% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.13% above avg
Details
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
520 Cromwell Ave, Rocky Hill, CT 06067
12 Month Share Certificate
$0
4.07%
▲ 1.12% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.12% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
100 First Stamford Pl Ste 615, Stamford, CT 06902
1-year online CDs
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
100 First Stamford Pl Ste 615, Stamford, CT 06902
12 Month CD
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
21 Silas Deane Hwy, Wethersfield, CT 06109
1 Year Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
12 Month Jumbo Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
Jumbo Certificate (3, 6, 9 and 12 Months)
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
12 Month Jumbo IRA Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
339 N Elm St, Torrington, CT 06790
12 Month IRA & Roth IRA Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
339 N Elm St, Torrington, CT 06790
12 Month Share Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
1111 Country Club Rd, Middletown, CT 06457 2389
Share & IRA CDs - 12 Months
$0
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.87% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
75 Holly Hill Ln, Greenwich, CT 06830
12-Month CD
$500
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details
New Money required. Offer subject to change or cancellation at any time without notice. Limited-time offer.
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
253 West St, Seymour, CT 06483 2648
12 Month Business Share Certificates
$100,000
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
253 West St, Seymour, CT 06483 2648
12 Month Jumbo Share Certificate
$100,000
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Manchester Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
479 Main St, Manchester, CT 06040 4101
12 Month Certificate Accounts
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
12 Month Freestyle Certificate
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Freestyle Certificate
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
233 Main St, Manchester, CT 06042 3539
12 Month Individual Retirement Account (IRA) Certificate
$0
3.72%
▲ 0.77% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.77% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
233 Main St, Manchester, CT 06042 3539
12 Month Term Certificate
$0
3.72%
▲ 0.77% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.77% above avg
Details
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
777 E Main St, Torrington, CT 06790 3915
12 Month Regular/IRA Share Certificate
$0
3.71%
▲ 0.76% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.76% above avg
Details
Balance: $500 Minimum Balance Required; Dividends are declared and paid at the end of each month for all share certificates. Dividends are calculated on an average daily balance. All dividends are accurate as of 09/30/2026. There may be a penalty for early withdrawal of the share certificates.
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
$0
3.65%
▲ 0.70% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.70% above avg
Details
FD Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
601 Watertown Ave, Waterbury, CT 06708
12 Month Certificate
$500
3.65%
▲ 0.70% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.70% above avg
Details
dividends compounded monthly. Early withdrawal penalty = 180 days dividend.
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
253 West St, Seymour, CT 06483 2648
12 Month Business Share Certificates
$500
3.60%
▲ 0.65% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.65% above avg
Details
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
253 West St, Seymour, CT 06483 2648
12 Month Share Certificate
$500
3.60%
▲ 0.65% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.65% above avg
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
2 Furnace Ave, Stafford Springs, CT 06076
1 Year Certificate
$500
3.57%
▲ 0.62% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.62% above avg
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
2 Furnace Ave, Stafford Springs, CT 06076
IRA Accounts - 1 Year
$0
3.57%
▲ 0.62% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.62% above avg
Details
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
366 Main St, Middletown, CT 06457
CD & IRA - 12 Months
$1,000
3.50%
▲ 0.55% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.55% above avg
Details
Balance: Quarterly Post or Interest Checks
Hartford Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
776 Maple Ave, Hartford, CT 06114 2317
12 Month Share Certificate Special
$1,000
3.50%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
Details
New Money Only. $100,000 Max.
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
84 Wadsworth St, Hartford, CT 06106
12 Month Certificate
$500
3.50%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
Details
Arrha Credit Union
231 Hazard Ave, Enfield, CT 06082 4647
12 Month Premium Certificate
$50,000
3.45%
▲ 0.50% above national avg
▼
Rate3.40%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.50% above avg
Details
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
14 Research Drive, Bethel, CT 06810
12 Month Regular term and IRA Certificates
$2,500
3.41%
▲ 0.46% above national avg
▼
Rate3.35%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.46% above avg
Details
Jewett City Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
111 Main St, Jewett City, CT 06351
1 Year IRA CD Special for Contributions Only
$1,000
3.40%
▲ 0.45% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.45% above avg
Details
Annual Percentage Yield (APY) accurate as of September 9, 2026 and subject to change before account opening. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal. Available for a limited time only; offer may be withdrawn at any time. IRAs are considered individual retirement accounts and are subject to IRS rules and regulations. Available for current year IRA contributions only of up to $8,600. IRS maximum contributions for 2026 IRAs: $7,500; $8,600 for persons age 50 or older. Please consult your tax advisor regarding the potential tax implications of an IRA. Open in branch only.
Arrha Credit Union
231 Hazard Ave, Enfield, CT 06082 4647
12 Month Certificate
$500
3.35%
▲ 0.40% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.40% above avg
Details
MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
285 Broad St, Meriden, CT 06450 5847
12 Month Share Certificate
$0
3.30%
▲ 0.35% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.35% above avg
Details
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%
▲ 0.32% above national avg
▼
Rate3.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.32% above avg
Details
Early Withdrawal Penalties May Apply
Connecticut Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
115 E Putnam Ave, Greenwich, CT 06830
12 Month Certificate
$500
3.25%
▲ 0.30% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.30% above avg
Details
Hartford Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
776 Maple Ave, Hartford, CT 06114 2317
12 Month Flex SC Account
$5,000
3.25%
▲ 0.30% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.30% above avg
Details
Make unlimited deposits. 1 Penalty Free Withdrawal. Max $100,000. New money required.
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
120 Woodford Ave, Plainville, CT 06062 2335
12 month Certificate
$1,000
3.25%
▲ 0.30% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.30% above avg
Details
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
624 Franklin Ave, Hartford, CT 06114
12 Month IRA Certificate
$0
3.25%
▲ 0.30% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.30% above avg
Details
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
624 Franklin Ave, Hartford, CT 06114
12 Month Regular Certificate
$0
3.25%
▲ 0.30% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.30% above avg
Details
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
117 Prospect St, Stamford, CT 06901
1 Year IRA CD
$0
3.15%
▲ 0.20% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.20% above avg
Details
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
129 Main St, Torrington, CT 06790
12 Month CD
$1,000
3.10%
▲ 0.15% above national avg
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.15% above avg
Details
Achieve Financial Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.29%
279 New Britain Rd, Berlin, CT 06037
Share Certificate - 12 Months
$0
3.05%
▲ 0.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.10% above avg
Details
Bridgeport Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
3590 Main St, Bridgeport, CT 06606
12 Month Term Share Certificates
$0
3.04%
▲ 0.09% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.09% above avg
Details
Norwalk Hospital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
31 1 2 Stevens St, Norwalk, CT 06850 3805
12 Month Certificate
$1,000
3.03%
▲ 0.08% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.08% above avg
Details
Newtown Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
39 Main St, Newtown, CT 06470
1 Year CD
$0
3.00%
▲ 0.05% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.05% above avg
Details
Early Withdrawal Penalty: 180 Days Interest
Americas First Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
45 Commerce Dr, Trumbull, CT 06611 5403
12 Month Roth & Educational IRA Share Certificate
$0
3.00%
▲ 0.05% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.05% above avg
Details
Connecticut 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.82% APY▼ 0.01% from last week
The national average 18-month CD rate is 2.82% APY as of September 22, 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
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
100 First Stamford Pl Ste 615, Stamford, CT 06902
18 Month 360 CDs
$0
4.30%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.48% above avg
Details
Fixed APY | No minimum balance
Hometown Bank Oxford, MA
Institution Rating:
B4.5 ★Texas Ratio: 21.49%
182 Main St, Putnam, CT 06260
18 Month Certificate of Deposit
$1,000
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
220 Main St, Danbury, CT 06810
18 Month Certificate of Deposit
$500
4.00%
▲ 1.18% above national avg
▼
Rate3.87%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.18% above avg
Details
Newtown Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
39 Main St, Newtown, CT 06470
18-Month CD
$500
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.18% above avg
Details
Requires having a Newtown Savings Bank checking account (3.75% APY without checking)*. Limited time in-branch offer!
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
1 Financial Plz, Hartford, CT 06103
18 MONTH SELECT Certificate of Deposit
$1,000
3.85%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.03% above avg
Details
Requires a qualifying checking account.
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
1 Financial Plz, Hartford, CT 06103
18-Month M&T Select CD
$0
3.85%
▲ 1.03% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.03% above avg
Details
Northwest Community Bank
Institution Rating:
A4.9 ★Texas Ratio: 7.16%
294 West St, Litchfield, CT 06759
18 Month Time Deposit & IRA
$500
3.80%
▲ 0.98% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.98% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
233 Main St, Manchester, CT 06042 3539
18 Month Individual Retirement Account (IRA) Certificate
$0
3.77%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.95% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
233 Main St, Manchester, CT 06042 3539
18 Month Term Certificate
$0
3.77%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.95% above avg
Details
Newtown Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
39 Main St, Newtown, CT 06470
18 Month CD
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.93% above avg
Details
Early Withdrawal Penalty: 180 Days Interest
Newtown Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
39 Main St, Newtown, CT 06470
18-Month CD
$500
3.75%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.93% above avg
Details
Limited time in-branch offer!
Hartford Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
776 Maple Ave, Hartford, CT 06114 2317
18 Month Share Certificate Special
$5,000
3.75%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details
New money only. $5,000 min/$100,000 max.
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
520 Cromwell Ave, Rocky Hill, CT 06067
18 Month Share Certificate
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
117 Prospect St, Stamford, CT 06901
18 Month No Penalty CD
$1,000
3.65%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.83% above avg
Details
Must be opened in branch. Principal may be withdrawn without penalty during the first six calendar days after the initial deposit. After such period, a withdrawal of the entire balance may be made without penalty. You cannot make a partial withdrawal from this account.
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
117 Prospect St, Stamford, CT 06901
18 Month No Penalty Certificate
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.83% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
100 First Stamford Pl Ste 615, Stamford, CT 06902
18 Month CD
$0
3.60%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.78% above avg
Details
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
253 West St, Seymour, CT 06483 2648
18 Month Business Share Certificates
$500
3.60%
▲ 0.78% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.78% above avg
Details
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
253 West St, Seymour, CT 06483 2648
18 Month Share Certificate
$500
3.60%
▲ 0.78% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.78% above avg
Details
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
777 E Main St, Torrington, CT 06790 3915
18 Month Regular/IRA Share Certificate
$0
3.45%
▲ 0.63% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.63% above avg
Details
Balance: $500 Minimum Balance Required; Dividends are declared and paid at the end of each month for all share certificates. Dividends are calculated on an average daily balance. All dividends are accurate as of 09/30/2026. There may be a penalty for early withdrawal of the share certificates.
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%
▲ 0.58% above national avg
▼
Rate3.34%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.58% above avg
Details
Arrha Credit Union
231 Hazard Ave, Enfield, CT 06082 4647
18 Month Premium Certificate
$50,000
3.35%
▲ 0.53% above national avg
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.53% above avg
Details
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
203 Main St, Thomaston, CT 06787
18 Month Business Certificate of Deposit - Fixed Rate
$1,000
3.30%
▲ 0.48% above national avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.48% above avg
Details
Daily balance to earn APY
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
203 Main St, Thomaston, CT 06787
18 Month Certificate of Deposit - Fixed Rate
$1,000
3.30%
▲ 0.48% above national avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.48% above avg
Details
Daily balance to earn APY: $1,000 - $249,999.99
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
84 Wadsworth St, Hartford, CT 06106
18 Month IRA
$500
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.48% above avg
Details
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
361 MAIN ST, EAST HARTFORD, CT 06118 1879
18-Month Certificate
$0
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.43% above avg
Details
Arrha Credit Union
231 Hazard Ave, Enfield, CT 06082 4647
18 Month Certificate
$500
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.43% above avg
Details
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
84 Wadsworth St, Hartford, CT 06106
18 Month Certificate
$500
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.43% above avg
Details
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
624 Franklin Ave, Hartford, CT 06114
18 Month IRA Certificate
$0
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.43% above avg
Details
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
624 Franklin Ave, Hartford, CT 06114
18 Month Regular Certificate
$0
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.43% above avg
Details
Finex Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
616 Burnside Ave, East Hartford, CT 06108
18 Month Special-NEW MONEY ONLY CD
$1,000
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.43% above avg
Details
NEW MONEY ONLY.
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
14 Research Drive, Bethel, CT 06810
18 Month Regular term and IRA Certificates
$2,500
3.05%
▲ 0.23% above national avg
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.23% above avg
Details
Bridgeport Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
3590 Main St, Bridgeport, CT 06606
18 Month Term Share Certificates
$0
3.04%
▲ 0.22% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.22% above avg
Details
MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
285 Broad St, Meriden, CT 06450 5847
18 Month Share Certificate
$0
3.04%
▲ 0.22% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.22% above avg
Details
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
299 Whalley Ave, New Haven, CT 06511
18 Month Certificates of Deposit (Regular and IRAs)
$0
3.00%
▲ 0.18% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.18% above avg
Details
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%
▲ 0.18% above national avg
▼
Rate2.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.18% above avg
Details
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%
▼ 0.06% below national avg
▼
Rate2.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▼ 0.06% below avg
Details
Early Withdrawal Penalties May Apply
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
117 Prospect St, Stamford, CT 06901
18 Month Certificate
$0
2.75%
▼ 0.07% below national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▼ 0.07% below avg
Details
Manchester Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
479 Main St, Manchester, CT 06040 4101
18 Month Certificate Accounts
$0
2.75%
▼ 0.07% below national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▼ 0.07% below avg
Details
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
$0
2.60%
▼ 0.22% below national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▼ 0.22% below avg
Details
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
203 Main St, Thomaston, CT 06787
18 Month Business Certificate of Deposit - Variable Rate
$25
2.50%
▼ 0.32% below national avg
▼
Rate2.48%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▼ 0.32% below avg
Details
Variable Rate - deposits allowed during term
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
203 Main St, Thomaston, CT 06787
18 Month Certificate of Deposit - Variable Rate
$25
2.50%
▼ 0.32% below national avg
▼
Rate2.48%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▼ 0.32% below avg
Details
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
18-Month CD
$0
2.50%
▼ 0.32% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.32% below avg
Details
Premium APY
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
IRA Certificate - 18 Month
$0
2.50%
▼ 0.32% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.32% below avg
Details
Premium APY
Americas First Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
45 Commerce Dr, Trumbull, CT 06611 5403
18 Month Standard Share Certificate
$0
2.50%
▼ 0.32% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 0.32% below avg
Details
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
18-Month CD
$0
2.25%
▼ 0.57% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.57% below avg
Details
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
IRA Certificate - 18 Month
$0
2.25%
▼ 0.57% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.57% below avg
Details
Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
69 Wall St, Norwalk, CT 06850
18 Month Certificate
$0
2.02%
▼ 0.80% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.80% below avg
Details
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
964 Asylum Ave, Hartford, CT 06105
1.5 Year Certificate
$0
2.02%
▼ 0.80% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▼ 0.80% below avg
Details
Achieve Financial Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.29%
279 New Britain Rd, Berlin, CT 06037
Share Certificate - 18 Months
$0
2.02%
▼ 0.80% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 0.80% below avg
Details
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
2.00%
▼ 0.82% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.82% below avg
Details
Annual Percentage Yield (APY) is accurate as of September 9, 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 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.
Connecticut 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.84% APYUnchanged from last week
The national average 24-month CD rate is 2.84% APY as of September 22, 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
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
100 First Stamford Pl Ste 615, Stamford, CT 06902
24 Month 360 CDs
$0
4.30%
▲ 1.46% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.46% above avg
Details
Fixed APY | No minimum balance
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%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Looking for a longer term? Choose a term that works for you, from 1-2 years. Open in branch or on the phone. Offer is for a limited time only and may be withdrawn at any time. No municipal or government funds. Maximum deposit amount is $5 million. CD withdrawals before maturity date will reduce the APY earned and early withdrawal penalties will be imposed. Fees may reduce earnings.
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
120 Woodford Ave, Plainville, CT 06062 2335
24 month IRA Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.16% above avg
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
39 Clovelly Rd, Stamford, CT 06902
2-Year Share Certificate
$1,000
3.93%
▲ 1.09% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.09% above avg
Details
Penalty for early withdrawal: 6 Months Dividends
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
1111 Country Club Rd, Middletown, CT 06457 2389
Share & IRA CDs - 24 Months
$0
3.92%
▲ 1.08% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.08% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
233 Main St, Manchester, CT 06042 3539
24 Month Individual Retirement Account (IRA) Certificate
$0
3.77%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.93% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
233 Main St, Manchester, CT 06042 3539
24 Month Term Certificate
$0
3.77%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.93% above avg
Details
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
253 West St, Seymour, CT 06483 2648
24 Month Business Share Certificates
$500
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
253 West St, Seymour, CT 06483 2648
24 Month Share Certificate
$500
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
339 N Elm St, Torrington, CT 06790
24 Month IRA & Roth IRA Certificates
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
339 N Elm St, Torrington, CT 06790
24 Month Share Certificates
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
520 Cromwell Ave, Rocky Hill, CT 06067
24 Month Share Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Bridgeport Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
3590 Main St, Bridgeport, CT 06606
24 Month Term Share Certificates
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.72% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
100 First Stamford Pl Ste 615, Stamford, CT 06902
24 Month CD
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Northwest Community Bank
Institution Rating:
A4.9 ★Texas Ratio: 7.16%
294 West St, Litchfield, CT 06759
2 Year Time Deposit & IRA
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.66% above avg
Details
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%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.66% above avg
Details
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
21 Silas Deane Hwy, Wethersfield, CT 06109
2 Year Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.66% above avg
Details
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
21 Silas Deane Hwy, Wethersfield, CT 06109
IRA Certificates 24 months
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.66% above avg
Details
NCUA-insured: Yes
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
777 E Main St, Torrington, CT 06790 3915
24 Month Regular/IRA Share Certificate
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.61% above avg
Details
Balance: $500 Minimum Balance Required; Dividends are declared and paid at the end of each month for all share certificates. Dividends are calculated on an average daily balance. All dividends are accurate as of 09/30/2026. There may be a penalty for early withdrawal of the share certificates.
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
624 Franklin Ave, Hartford, CT 06114
12 & 24 month terms
$25
3.40%
▲ 0.56% above national avg
▼
Rate—
Min Deposit$25
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.56% above avg
Details
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
203 Main St, Thomaston, CT 06787
24 Month Business Certificate of Deposit - Fixed Rate
$1,000
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.51% above avg
Details
Daily balance to earn APY
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
203 Main St, Thomaston, CT 06787
24 Month Certificate of Deposit - Fixed Rate
$1,000
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.51% above avg
Details
Daily balance to earn APY: $1,000 - $249,999.99
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
624 Franklin Ave, Hartford, CT 06114
24 Month IRA Certificate
$0
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.51% above avg
Details
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
624 Franklin Ave, Hartford, CT 06114
24 Month Regular Certificate
$0
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.51% above avg
Details
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
624 Franklin Ave, Hartford, CT 06114
12 & 24 month terms
$25
3.30%
▲ 0.46% above national avg
▼
Rate—
Min Deposit$25
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.46% above avg
Details
FD Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
601 Watertown Ave, Waterbury, CT 06708
24 Month Certificate
$500
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.41% above avg
Details
dividends compounded monthly. Early withdrawal penalty = 180 days dividend.
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
14 Research Drive, Bethel, CT 06810
24 Month Regular term and IRA Certificates
$2,500
3.05%
▲ 0.21% above national avg
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.21% above avg
Details
MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
285 Broad St, Meriden, CT 06450 5847
24 Month Share Certificate
$0
3.04%
▲ 0.20% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.20% above avg
Details
New Haven County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
2 Broadway, North Haven, CT 06473
Share Certificate - 2 year
$0
3.03%
▲ 0.19% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.19% above avg
Details
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
299 Whalley Ave, New Haven, CT 06511
2 Year Certificates of Deposit (Regular and IRAs)
$0
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.16% above avg
Details
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%
▲ 0.16% above national avg
▼
Rate2.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.16% above avg
Details
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
117 Prospect St, Stamford, CT 06901
24 Month Certificate
$0
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.16% above avg
Details
ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
220 Main St, Danbury, CT 06810
2 Year Certificate of Deposit
$500
3.00%
▲ 0.16% above national avg
▼
Rate2.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.16% above avg
Details
Norwalk Hospital Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
31 1 2 Stevens St, Norwalk, CT 06850 3805
24 Month Certificate
$1,000
2.78%
▼ 0.06% below national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.06% below avg
Details
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%
▼ 0.08% below national avg
▼
Rate2.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.08% below avg
Details
Early Withdrawal Penalties May Apply
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
2-Year CD
$0
2.75%
▼ 0.09% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.09% below avg
Details
Premium APY
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
IRA Certificate - 2 Year
$0
2.75%
▼ 0.09% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.09% below avg
Details
Premium APY
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
$0
2.70%
▼ 0.14% below national avg
▼
Rate2.67%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.14% below avg
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
2 Furnace Ave, Stafford Springs, CT 06076
2 1/2 Year Certificate
$500
2.54%
▼ 0.30% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.30% below avg
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
2 Furnace Ave, Stafford Springs, CT 06076
IRA Accounts - 2 1/2 Year
$0
2.54%
▼ 0.30% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.30% below avg
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
2 Furnace Ave, Stafford Springs, CT 06076
1 1/2 Year Certificate
$500
2.53%
▼ 0.31% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.31% below avg
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
2 Furnace Ave, Stafford Springs, CT 06076
2 Year Certificate
$500
2.53%
▼ 0.31% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.31% below avg
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
2 Furnace Ave, Stafford Springs, CT 06076
IRA Accounts - 1 1/2 Year
$0
2.53%
▼ 0.31% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.31% below avg
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
2 Furnace Ave, Stafford Springs, CT 06076
IRA Accounts - 2 Year
$0
2.53%
▼ 0.31% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.31% below avg
Details
Jewett City Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
111 Main St, Jewett City, CT 06351
2 Years IRA CD Special for Contributions Only
$1,000
2.50%
▼ 0.34% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.34% below avg
Details
Annual Percentage Yield (APY) accurate as of September 9, 2026 and subject to change before account opening. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal. Available for a limited time only; offer may be withdrawn at any time. IRAs are considered individual retirement accounts and are subject to IRS rules and regulations. Available for current year IRA contributions only of up to $8,600. IRS maximum contributions for 2026 IRAs: $7,500; $8,600 for persons age 50 or older. Please consult your tax advisor regarding the potential tax implications of an IRA. Open in branch only.
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
2-Year CD
$0
2.50%
▼ 0.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.34% below avg
Details
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
IRA Certificate - 2 Year
$0
2.50%
▼ 0.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.34% below avg
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
680 Birch St, Bristol, CT 06010
24 Month Investment Share and IRA Certificates
$0
2.50%
▼ 0.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.34% below avg
Details
Hometown Bank Oxford, MA
Institution Rating:
B4.5 ★Texas Ratio: 21.49%
182 Main St, Putnam, CT 06260
24 Month Certificate of Deposit
$1,000
2.45%
▼ 0.39% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.39% below avg
Details
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
366 Main St, Middletown, CT 06457
CD & IRA - 24 Months
$1,000
2.25%
▼ 0.59% below national avg
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.59% below avg
Details
Balance: Quarterly Post or Interest Checks
Connecticut 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.76% APYUnchanged from last week
The national average 36-month CD rate is 2.76% APY as of September 22, 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
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
100 First Stamford Pl Ste 615, Stamford, CT 06902
36 Month 360 CDs
$0
4.30%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.54% above avg
Details
Fixed APY | No minimum balance
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
1111 Country Club Rd, Middletown, CT 06457 2389
Share & IRA CDs - 36 Months
$0
4.02%
▲ 1.26% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.26% above avg
Details
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
253 West St, Seymour, CT 06483 2648
36 Month Business Share Certificates
$500
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
253 West St, Seymour, CT 06483 2648
36 Month Share Certificate
$500
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Newtown Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
39 Main St, Newtown, CT 06470
3-Year CD
$500
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
Requires having a Newtown Savings Bank checking account (3.75% APY without checking)*. Limited time in-branch offer!
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
39 Clovelly Rd, Stamford, CT 06902
3-Year Share Certificate
$1,000
3.98%
▲ 1.22% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.22% above avg
Details
Penalty for early withdrawal: 9 Months Dividends
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
233 Main St, Manchester, CT 06042 3539
36 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.06% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
233 Main St, Manchester, CT 06042 3539
36 Month Term Certificate
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.06% above avg
Details
Newtown Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
39 Main St, Newtown, CT 06470
3 Year CD
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.99% above avg
Details
Early Withdrawal Penalty: 365 Days Interest
Newtown Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
39 Main St, Newtown, CT 06470
3-Year CD
$500
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.99% above avg
Details
Limited time in-branch offer!
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
339 N Elm St, Torrington, CT 06790
36 Month IRA & Roth IRA Certificates
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
339 N Elm St, Torrington, CT 06790
36 Month Share Certificates
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
520 Cromwell Ave, Rocky Hill, CT 06067
36 Month Share Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
777 E Main St, Torrington, CT 06790 3915
36 Month Regular/IRA Share Certificate
$0
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.80% above avg
Details
Balance: $500 Minimum Balance Required; Dividends are declared and paid at the end of each month for all share certificates. Dividends are calculated on an average daily balance. All dividends are accurate as of 09/30/2026. There may be a penalty for early withdrawal of the share certificates.
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
100 First Stamford Pl Ste 615, Stamford, CT 06902
36 Month CD
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Northwest Community Bank
Institution Rating:
A4.9 ★Texas Ratio: 7.16%
294 West St, Litchfield, CT 06759
3 Year Time Deposit & IRA
$500
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.74% above avg
Details
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%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.74% above avg
Details
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
203 Main St, Thomaston, CT 06787
36 Month Business Certificate of Deposit - Fixed Rate
$1,000
3.40%
▲ 0.64% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.64% above avg
Details
Daily balance to earn APY
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
203 Main St, Thomaston, CT 06787
36 Month Certificate of Deposit - Fixed Rate
$1,000
3.40%
▲ 0.64% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.64% above avg
Details
Daily balance to earn APY: $1,000 - $249,999.99
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
624 Franklin Ave, Hartford, CT 06114
36 Month IRA Certificate
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.59% above avg
Details
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
624 Franklin Ave, Hartford, CT 06114
36 Month Regular Certificate
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.59% above avg
Details
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
117 Prospect St, Stamford, CT 06901
36 Month Certificate
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.49% above avg
Details
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
21 Silas Deane Hwy, Wethersfield, CT 06109
3 Year Certificate
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.49% above avg
Details
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
14 Research Drive, Bethel, CT 06810
36 Month Regular term and IRA Certificates
$2,500
3.20%
▲ 0.44% above national avg
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.44% above avg
Details
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
84 Wadsworth St, Hartford, CT 06106
36 Month IRA
$500
3.05%
▲ 0.29% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.29% above avg
Details
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
299 Whalley Ave, New Haven, CT 06511
3 Year Certificates of Deposit (Regular and IRAs)
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.24% above avg
Details
ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
220 Main St, Danbury, CT 06810
3 Year Certificate of Deposit
$500
3.00%
▲ 0.24% above national avg
▼
Rate2.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.24% above avg
Details
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
84 Wadsworth St, Hartford, CT 06106
36 Month Certificate
$500
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.24% above avg
Details
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
$0
2.85%
▲ 0.09% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.09% above avg
Details
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
964 Asylum Ave, Hartford, CT 06105
3 Year Certificate
$0
2.78%
▲ 0.02% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.02% above avg
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
2 Furnace Ave, Stafford Springs, CT 06076
3 Year Certificate
$500
2.54%
▼ 0.22% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 0.22% below avg
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
2 Furnace Ave, Stafford Springs, CT 06076
IRA Accounts - 3 Year
$0
2.54%
▼ 0.22% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 0.22% below avg
Details
Achieve Financial Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.29%
279 New Britain Rd, Berlin, CT 06037
Share Certificate - 36 Months
$0
2.53%
▼ 0.23% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.23% below avg
Details
MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
285 Broad St, Meriden, CT 06450 5847
36 Month Share Certificate
$0
2.53%
▼ 0.23% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.23% below avg
Details
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%
▼ 0.26% below national avg
▼
Rate2.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 0.26% below avg
Details
Early Withdrawal Penalties May Apply
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
3-Year CD
$0
2.50%
▼ 0.26% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 0.26% below avg
Details
Premium APY
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
IRA Certificate - 3 Year
$0
2.50%
▼ 0.26% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 0.26% below avg
Details
Premium APY
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
366 Main St, Middletown, CT 06457
CD & IRA - 36 Months
$1,000
2.50%
▼ 0.26% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.26% below avg
Details
Balance: Quarterly Post or Interest Checks
New Haven County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
2 Broadway, North Haven, CT 06473
Share Certificate - 3 year
$0
2.43%
▼ 0.33% below national avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.33% below avg
Details
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
2.40%
▼ 0.36% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 0.36% below avg
Details
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
120 Woodford Ave, Plainville, CT 06062 2335
36 month IRA Certificate
$0
2.30%
▼ 0.46% below national avg
▼
Rate2.28%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.46% below avg
Details
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
3-Year CD
$0
2.25%
▼ 0.51% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 0.51% below avg
Details
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
IRA Certificate - 3 Year
$0
2.25%
▼ 0.51% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 0.51% below avg
Details
FD Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
601 Watertown Ave, Waterbury, CT 06708
36 Month Certificate
$500
2.25%
▼ 0.51% below national avg
▼
Rate2.23%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.51% below avg
Details
dividends compounded monthly. Early withdrawal penalty = 180 days dividend.
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
120 Woodford Ave, Plainville, CT 06062 2335
36 month Certificate
$1,000
2.25%
▼ 0.51% below national avg
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.51% below avg
Details
Polam Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.35%
55 Broad St, New Britain, CT 06053 4312
36 Month IRA Certificate of Deposit
$0
2.25%
▼ 0.51% below national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 0.51% below avg
Details
Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
69 Wall St, Norwalk, CT 06850
3 Year Certificate
$0
2.02%
▼ 0.74% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 0.74% below avg
Details
Manchester Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
479 Main St, Manchester, CT 06040 4101
36 Month Certificate Accounts
$0
2.00%
▼ 0.76% below national avg
▼
Rate1.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 0.76% below avg
Details
Polam Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.35%
55 Broad St, New Britain, CT 06053 4312
36 Month Certificate of Deposit (CD)
$5,000
2.00%
▼ 0.76% below national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 0.76% below avg
Details
Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
69 Wall St, Norwalk, CT 06850
3 Year Certificate
$0
1.76%
▼ 1.00% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 1.00% below avg
Details
Connecticut 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.77% APY▼ 0.01% from last week
The national average 48-month CD rate is 2.77% APY as of September 22, 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
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
100 First Stamford Pl Ste 615, Stamford, CT 06902
48 Month 360 CDs
$0
4.30%
▲ 1.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.53% above avg
Details
Fixed APY | No minimum balance
State Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
1111 Country Club Rd, Middletown, CT 06457 2389
Share & IRA CDs - 48 Months
$0
4.18%
▲ 1.41% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.41% above avg
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
39 Clovelly Rd, Stamford, CT 06902
4-Year Share Certificate
$1,000
4.03%
▲ 1.26% above national avg
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.26% above avg
Details
Penalty for early withdrawal: 9 Months Dividends
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
233 Main St, Manchester, CT 06042 3539
48 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
233 Main St, Manchester, CT 06042 3539
48 Month Term Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
520 Cromwell Ave, Rocky Hill, CT 06067
48 Month Share Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
100 First Stamford Pl Ste 615, Stamford, CT 06902
48 Month CD
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Northwest Community Bank
Institution Rating:
A4.9 ★Texas Ratio: 7.16%
294 West St, Litchfield, CT 06759
4 Year Time Deposit & IRA
$500
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.73% above avg
Details
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%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.73% above avg
Details
Newtown Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
39 Main St, Newtown, CT 06470
4 Year CD
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.73% above avg
Details
Early Withdrawal Penalty: 365 Days Interest
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
339 N Elm St, Torrington, CT 06790
48 Month IRA & Roth IRA Certificates
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
339 N Elm St, Torrington, CT 06790
48 Month Share Certificates
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
203 Main St, Thomaston, CT 06787
48 Month Business Certificate of Deposit - Fixed Rate
$1,000
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.68% above avg
Details
Daily balance to earn APY
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
203 Main St, Thomaston, CT 06787
48 Month Certificate of Deposit - Fixed Rate
$1,000
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.68% above avg
Details
Daily balance to earn APY: $1,000 - $249,999.99
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
624 Franklin Ave, Hartford, CT 06114
48 Month IRA Certificate
$0
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.58% above avg
Details
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
624 Franklin Ave, Hartford, CT 06114
48 Month Regular Certificate
$0
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.58% above avg
Details
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
14 Research Drive, Bethel, CT 06810
48 Month Regular term and IRA Certificates
$2,500
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
299 Whalley Ave, New Haven, CT 06511
4 Year Certificates of Deposit (Regular and IRAs)
$0
3.00%
▲ 0.23% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.23% above avg
Details
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
$0
2.95%
▲ 0.18% above national avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.18% above avg
Details
Achieve Financial Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.29%
279 New Britain Rd, Berlin, CT 06037
Share Certificate - 48 Months
$0
2.79%
▲ 0.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.02% above avg
Details
MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
285 Broad St, Meriden, CT 06450 5847
48 Month Share Certificate
$0
2.78%
▲ 0.01% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.01% above avg
Details
FD Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
601 Watertown Ave, Waterbury, CT 06708
48 Month Certificate
$500
2.75%
▼ 0.02% below national avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.02% below avg
Details
dividends compounded monthly. Early withdrawal penalty = 180 days dividend.
New Haven County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
2 Broadway, North Haven, CT 06473
Share Certificate - 4 year
$0
2.63%
▼ 0.14% below national avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.14% below avg
Details
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
366 Main St, Middletown, CT 06457
CD & IRA - 48 Months
$1,000
2.55%
▼ 0.22% below national avg
▼
Rate2.52%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.22% below avg
Details
Balance: Quarterly Post or Interest Checks
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
120 Woodford Ave, Plainville, CT 06062 2335
48 month IRA Certificate
$0
2.55%
▼ 0.22% below national avg
▼
Rate2.52%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.22% below avg
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
2 Furnace Ave, Stafford Springs, CT 06076
4 Year Certificate
$500
2.54%
▼ 0.23% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 0.23% below avg
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
2 Furnace Ave, Stafford Springs, CT 06076
IRA Accounts - 4 Year
$0
2.54%
▼ 0.23% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 0.23% below avg
Details
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%
▼ 0.27% below national avg
▼
Rate2.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 0.27% below avg
Details
Early Withdrawal Penalties May Apply
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
4-Year CD
$0
2.50%
▼ 0.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 0.27% below avg
Details
Premium APY
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
IRA Certificate - 4 Year
$0
2.50%
▼ 0.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 0.27% below avg
Details
Premium APY
ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
220 Main St, Danbury, CT 06810
4 Year Certificate of Deposit
$500
2.50%
▼ 0.27% below national avg
▼
Rate2.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.27% below avg
Details
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
120 Woodford Ave, Plainville, CT 06062 2335
48 month Certificate
$1,000
2.50%
▼ 0.27% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.27% below avg
Details
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
2.35%
▼ 0.42% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 0.42% below avg
Details
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
4-Year CD
$0
2.25%
▼ 0.52% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 0.52% below avg
Details
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
IRA Certificate - 4 Year
$0
2.25%
▼ 0.52% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 0.52% below avg
Details
Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
69 Wall St, Norwalk, CT 06850
4 Year Certificate
$0
2.02%
▼ 0.75% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 0.75% below avg
Details
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
48 Month IRA Certificate
$0
2.00%
▼ 0.77% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.77% below avg
Details
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
48 Month Share Certificates
$0
2.00%
▼ 0.77% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.77% below avg
Details
Manchester Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
479 Main St, Manchester, CT 06040 4101
48 Month Certificate Accounts
$0
1.90%
▼ 0.87% below national avg
▼
Rate1.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.87% below avg
Details
Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
69 Wall St, Norwalk, CT 06850
4 Year Certificate
$0
1.76%
▼ 1.01% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.01% below avg
Details
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%
▼ 1.12% below national avg
▼
Rate1.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.12% below avg
Details
Jewett City Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
111 Main St, Jewett City, CT 06351
4 Year CD
$1,000
1.50%
▼ 1.27% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.27% below avg
Details
Annual Percentage Yield (APY) is accurate as of September 9, 2026 and subject to change before account opening. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
Finex Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
616 Burnside Ave, East Hartford, CT 06108
48 month CD
$1,000
1.11%
▼ 1.66% below national avg
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.66% below avg
Details
Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
69 Wall St, Norwalk, CT 06850
4 Year Certificate
$0
1.00%
▼ 1.77% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.77% below avg
Details
Arrha Credit Union
231 Hazard Ave, Enfield, CT 06082 4647
48 Month Premium Certificate
$50,000
0.95%
▼ 1.82% below national avg
▼
Rate0.95%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.82% below avg
Details
Arrha Credit Union
231 Hazard Ave, Enfield, CT 06082 4647
48 Month Certificate
$500
0.85%
▼ 1.92% below national avg
▼
Rate0.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.92% below avg
Details
GHA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
5 Perryridge Rd, Greenwich, CT 06830 4608
4 Year Certificate
$0
0.70%
▼ 2.07% below national avg
▼
Rate0.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 2.07% below avg
Details
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
361 MAIN ST, EAST HARTFORD, CT 06118 1879
48-Month Certificate
$0
0.60%
▼ 2.17% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.17% below avg
Details
Union Savings Bank (CT)
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
13 North St, Litchfield, CT 06759
48 Month Certificate
$0
0.55%
▼ 2.22% below national avg
▼
Rate0.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.22% below avg
Details
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
117 Prospect St, Stamford, CT 06901
48 Month Certificate
$0
0.50%
▼ 2.27% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 2.27% below avg
Details
Connecticut 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.84% APY▼ 0.01% from last week
The national average 60-month CD rate is 2.84% APY as of September 22, 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: 0.06%
1111 Country Club Rd, Middletown, CT 06457 2389
Share & IRA CDs - 60 Months
$0
4.34%
▲ 1.50% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.50% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
100 First Stamford Pl Ste 615, Stamford, CT 06902
60 Month 360 CDs
$0
4.30%
▲ 1.46% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.46% above avg
Details
Fixed APY | No minimum balance
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
39 Clovelly Rd, Stamford, CT 06902
5-Year Share Certificate
$1,000
4.08%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.24% above avg
Details
Penalty for early withdrawal: 9 Months Dividends
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
253 West St, Seymour, CT 06483 2648
60 Month Business Share Certificates
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
253 West St, Seymour, CT 06483 2648
60 Month Share Certificate
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
233 Main St, Manchester, CT 06042 3539
60 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.98% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
233 Main St, Manchester, CT 06042 3539
60 Month Term Certificate
$0
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.98% above avg
Details
Nutmeg State Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
520 Cromwell Ave, Rocky Hill, CT 06067
60 Month Share Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
777 E Main St, Torrington, CT 06790 3915
60 Month Regular/IRA Share Certificate
$0
3.61%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.77% above avg
Details
Balance: $500 Minimum Balance Required; Dividends are declared and paid at the end of each month for all share certificates. Dividends are calculated on an average daily balance. All dividends are accurate as of 09/30/2026. There may be a penalty for early withdrawal of the share certificates.
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
100 First Stamford Pl Ste 615, Stamford, CT 06902
5-year online CDs
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
100 First Stamford Pl Ste 615, Stamford, CT 06902
60 Month CD
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Northwest Community Bank
Institution Rating:
A4.9 ★Texas Ratio: 7.16%
294 West St, Litchfield, CT 06759
5 Year Time Deposit & IRA
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.66% above avg
Details
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%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.66% above avg
Details
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
203 Main St, Thomaston, CT 06787
60 Month Business Certificate of Deposit - Fixed Rate
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.66% above avg
Details
Daily balance to earn APY
Thomaston Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
203 Main St, Thomaston, CT 06787
60 Month Certificate of Deposit - Fixed Rate
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.66% above avg
Details
Daily balance to earn APY: $1,000 - $249,999.99
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
339 N Elm St, Torrington, CT 06790
60 Month IRA & Roth IRA Certificates
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
339 N Elm St, Torrington, CT 06790
60 Month Share Certificates
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
624 Franklin Ave, Hartford, CT 06114
60 Month IRA Certificate
$0
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.51% above avg
Details
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
624 Franklin Ave, Hartford, CT 06114
60 Month Regular Certificate
$0
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.51% above avg
Details
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
14 Research Drive, Bethel, CT 06810
60 Month Regular term and IRA Certificates
$2,500
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.46% above avg
Details
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
$0
3.05%
▲ 0.21% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.21% above avg
Details
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
120 Woodford Ave, Plainville, CT 06062 2335
60 month IRA Certificate
$0
3.05%
▲ 0.21% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.21% above avg
Details
Achieve Financial Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.29%
279 New Britain Rd, Berlin, CT 06037
Share Certificate - 60 Months
$0
3.05%
▲ 0.21% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.21% above avg
Details
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
299 Whalley Ave, New Haven, CT 06511
5 Year Certificates of Deposit (Regular and IRAs)
$0
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.16% above avg
Details
FD Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
601 Watertown Ave, Waterbury, CT 06708
60 Month Certificate
$500
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.16% above avg
Details
dividends compounded monthly. Early withdrawal penalty = 180 days dividend.
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
120 Woodford Ave, Plainville, CT 06062 2335
60 month Certificate
$1,000
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.16% above avg
Details
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
60 Month IRA Certificate
$0
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.16% above avg
Details
Dutch Point Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
195 Silas Deane Hwy, Wethersfield, CT 06109 1240
60 Month Share Certificates
$0
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.16% above avg
Details
New Haven County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
2 Broadway, North Haven, CT 06473
Share Certificate - 5 year
$0
2.84%
At national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%At the average
Details
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
964 Asylum Ave, Hartford, CT 06105
2.5 Year Certificate
$0
2.78%
▼ 0.06% below national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.06% below avg
Details
MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
285 Broad St, Meriden, CT 06450 5847
60 Month Share Certificate
$0
2.78%
▼ 0.06% below national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.06% below avg
Details
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%
▼ 0.09% below national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.09% below avg
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
2 Furnace Ave, Stafford Springs, CT 06076
5 Year Certificate
$500
2.54%
▼ 0.30% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.30% below avg
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
2 Furnace Ave, Stafford Springs, CT 06076
IRA Accounts - 5 Year
$0
2.54%
▼ 0.30% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.30% below avg
Details
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
964 Asylum Ave, Hartford, CT 06105
5 Year Certificate
$0
2.53%
▼ 0.31% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.31% below avg
Details
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%
▼ 0.34% below national avg
▼
Rate2.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.34% below avg
Details
Early Withdrawal Penalties May Apply
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
5-Year CD
$0
2.50%
▼ 0.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.34% below avg
Details
Premium APY
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
IRA Certificate - 5 Year
$0
2.50%
▼ 0.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.34% below avg
Details
Premium APY
ives Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
220 Main St, Danbury, CT 06810
5 Year Certificate of Deposit
$500
2.50%
▼ 0.34% below national avg
▼
Rate2.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.34% below avg
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
680 Birch St, Bristol, CT 06010
60 Month Investment Share and IRA Certificates
$0
2.50%
▼ 0.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.34% below avg
Details
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
2.25%
▼ 0.59% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.59% below avg
Details
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
5-Year CD
$0
2.25%
▼ 0.59% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.59% below avg
Details
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
40 Main St, Putnam, CT 06260
IRA Certificate - 5 Year
$0
2.25%
▼ 0.59% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.59% below avg
Details
Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
69 Wall St, Norwalk, CT 06850
5 Year Certificate
$0
2.02%
▼ 0.82% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.82% below avg
Details
Jewett City Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
111 Main St, Jewett City, CT 06351
5 Year CD
$1,000
2.00%
▼ 0.84% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.84% below avg
Details
Annual Percentage Yield (APY) is accurate as of September 9, 2026 and subject to change before account opening. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
Manchester Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
479 Main St, Manchester, CT 06040 4101
60 Month Certificate Accounts
$0
1.80%
▼ 1.04% below national avg
▼
Rate1.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 1.04% below avg
Details
Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
69 Wall St, Norwalk, CT 06850
5 Year Certificate
$0
1.76%
▼ 1.08% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 1.08% below avg
Details
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
366 Main St, Middletown, CT 06457
CD & IRA - 60 Months
$1,000
1.70%
▼ 1.14% below national avg
▼
Rate1.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 1.14% below avg
Details
Balance: Quarterly Post or Interest Checks
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
2 N Main St, Wallingford, CT 06492
5 Year CD
$250
1.00%
▼ 1.84% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.84% below avg
Details
Relationship APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
2 N Main St, Wallingford, CT 06492
5 Year Certificate
$0
1.00%
▼ 1.84% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.84% below avg
Details
Balance: $250.00 - $9,999.99
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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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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.
12-Month CD CT Avg
2.952%
▲ 0.030 vs 7 days ago
Connecticut 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD CT Avg
2.767%
▲ 0.021 vs 7 days ago
Connecticut 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
CT CD Rate Forecast, Next 12 Months
Where are Connecticut CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CT 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
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MonitorBankRates
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 | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 21, 2026. | |||||
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.
| Rung | Term | Deposit | CT Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/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.
591
CD Rates
Tracked in Connecticut
Tracked in Connecticut
28 Banks
36 Credit Unions
About Our Connecticut CD Rate Database
MonitorBankRates tracks 591 CD rates from 28 banks and 36 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 (1–5), 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 4.36% 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 36 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: 64 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Connecticut savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Connecticut money market rates
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
$155/yr
At CT 12-mo avg 2.952% 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 2.952%, saving 10% of the local median salary ($5,259/year) and putting it in a CD would earn an additional $155 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 (90–180 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, Capital One Bank is offering its 6 Month 360 CDs at 4.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, State Police Credit Union is offering its Share & IRA CDs - 60 Months at 4.34% 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: 4.36% APY (12 Month Certificate)
- State Police Credit Union: 4.34% APY (Share & IRA CDs - 60 Months)
- Finex Credit Union: 4.33% APY (12-MONTH CD SPECIAL)
- Capital One Bank: 4.30% APY (12 Month 360 CDs)
- DR Bank: 4.30% APY (12 Month Certificate)
- Northwest Hills Credit Union: 4.25% APY (6 Month Share Certificate Special)
- SUMA Federal Credit Union: 4.10% APY (1-Year Share Certificate)
- New Haven County Credit Union: 4.08% APY (Share Certificate - 1 year)
- Nutmeg State Financial Credit Union: 4.07% APY (12 Month Share Certificate)
- Riverbank Federal Credit Union: 4.07% APY (6-Month CD)
Rates reflect recent verified offers available in Connecticut. Last Updated: September 21, 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 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Connecticut
Connecticut CD Calculator
At today’s CT top rate of 4.36% APY, a $10,000 deposit earns $436 in the first year. Enter your amount to see your exact return.
Connecticut CD LadderCT CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Connecticut CD at 4.36% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsConnecticut’s average 12-month CD is 2.952% 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: September 21, 2026
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