Southbury, Connecticut CD Rates Today - Compare Best APYs for June 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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 Southbury, Connecticut CD rates include Webster BankWebster Bank100 Main St N, Southbury, CT 06488A+5.0 ★Texas Ratio: 2.48%Real return: +1.20%APY minus CPI (February 2026) offering Private 3-Month CD at 4.00% APY, Newtown Savings BankNewtown Savings Bank685 Main St S, Southbury, CT 06488A5.0 ★Texas Ratio: 6.92%Real return: +0.95%APY minus CPI (February 2026) offering 18 Month CD at 3.75% APY, Connecticut State Employees Credit UnionConnecticut State Employees Credit Union1461 S Britain Rd, Southbury, CT 06488 1177A+5.0 ★Texas Ratio: 0.25%Real return: +0.95%APY minus CPI (February 2026) offering 6 Month Certificate at 3.75% APY, Ion BankIon Bank363 Main St S, Southbury, CT 06488A5.0 ★Texas Ratio: 10.95%Real return: +0.85%APY minus CPI (February 2026) offering IRA 3 Month Certificate at 3.65% APY, and New Haven County Credit UnionNew Haven County Credit UnionA+5.0 ★Texas Ratio: 5.27%Real return: +1.28%APY minus CPI (February 2026) offering Share Certificate 1 year at 4.08% APY. CD rates as of June 1, 2026 according to verified data from MonitorBankRates.
Southbury has 48 local institutions in our database, with CD rates as high as 4.00% APY from Webster Bank at 100 Main St N, Southbury, CT 06488. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Connecticut area. Rates are continually updated — 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: June 1, 2026
Compare Best CD Rates in Southbury, Connecticut & the Surrounding Area
Southbury 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
100 Main St N, Southbury, CT 06488
Private 3-Month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
363 Main St S, Southbury, CT 06488
3 Month Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
363 Main St S, Southbury, CT 06488
3 Month Certificate of Deposit
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
363 Main St S, Southbury, CT 06488
IRA 3 Month Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
1461 S Britain Rd, Southbury, CT 06488 1177
3 Month Certificate
$500
2.80%
▼
Rate2.76%
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
685 Main St S, Southbury, CT 06488
3 Month CD
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
685 Main St S, Southbury, CT 06488
3 Month CD & IRA
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Must be opened in branch; New Money Only
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
3 Month Star Relationship CD
$500
3.50%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalties May Apply
Northwest Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
3 Month Time Deposit & IRA
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
3-Month Share Certificate
$1,000
3.26%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
3-Month Business CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
3-Month CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
3 Month Certificate of Deposit (CD)
$500
3.00%
▼
Rate2.92%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalties May Apply
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
3 Month CD
$1,000
2.85%
▼
Rate2.81%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
3 month Certificates of Deposit
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
3 month Certificates of Deposit (Regular and IRAs)
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
3 month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Certificate and IRA Certificate 3 Months
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
Investment Share and IRA Certificates 3 Months
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
3 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
3 Months Certificate and IRA Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
IRA 3 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
3 Month Certificate
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
3 Month IRA Certificate
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
3 Month Share Certificate
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
IRA Certificates 3 Month Certificate
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
GHA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
90 Days Certificate
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Charter Oak Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
3 Month Short-Term Share Certificates
$0
0.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
3-Month Certificate
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
IRA Certificate 3-Month
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
CorePlus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3 Month Certificate
$500
0.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
CorePlus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Certificates 3 Month
$500
0.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Windsor Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
3 Months Certificates of Deposit (CDs)
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Windsor Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
Individual Retirement Accounts (IRAs) 3 Months
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
PeoplesBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
3 month Certificates of Deposit & IRA
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Southbury 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
1461 S Britain Rd, Southbury, CT 06488 1177
6 Month Certificate
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
685 Main St S, Southbury, CT 06488
6 Month CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
685 Main St S, Southbury, CT 06488
6 Month CD & IRA
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
363 Main St S, Southbury, CT 06488
6 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
363 Main St S, Southbury, CT 06488
6 Month Certificate of Deposit
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
363 Main St S, Southbury, CT 06488
IRA 6 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
FD Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
6 Month CD Only
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
$500 minimum, dividends compounded monthly. Early withdrawal penalty = 90 days dividend.
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
6-Month Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
6-Month Business CD
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
6 Month Certificate and IRA Certificates
$500
3.79%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
6 Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
6-Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
IRA Certificate 6-Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
6 month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Lawrence Memorial Hospital Employees FCU
Institution Rating:
A5.0 ★Texas Ratio: 0.01%
6 month Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
APY (Annual Percentage Yield) is 3.70% and the Interest Rate is 3.63%. APY effective 12/18/2025 and subject to change. $1,000 minimum opening deposit to open the account and earn APY. Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Fees may reduce earnings. This offer is not available to brokers or financial institutions. Offer may be withdrawn at any time.
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
6-Month HSA CD
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
6-Month CD
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Achieve Financial Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.59%
6 Months Share Certificates
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
6 Months Term Share Certificates & IRA Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
6 Month IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
6 Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
IRA Certificates 6 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
6 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
6 Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
up to
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
6 Month Star Relationship CD
$500
3.50%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalties May Apply
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
6 Months Term Share Certificates
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
6 Month CD
$1,000
3.40%
▼
Rate3.34%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
6 Months Certificates/IRA Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
6 Month Cert.
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
Investment Share and IRA Certificates 6 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
6 Month Certificate
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
IRA Not Available
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
6 Month Certificate IRA Certificates
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
(IRA Not Available)
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
6 Month Certificate of Deposit (CD)
$500
3.00%
▼
Rate2.92%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalties May Apply
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
6 Months Certificate and IRA Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Certificate and IRA Certificate 6 Months
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
6 month Certificates of Deposit
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
6 month Certificates of Deposit (Regular and IRAs)
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
6 Month Certificate
$1,000
2.28%
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
6 months Certificate
$2,500
2.02%
▼
Rate2.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
Regular term and IRA Certificates - Minimum Deposit $2,500.00
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
Regular term and IRA Certificates - 6 months
$2,500
2.02%
▼
Rate2.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
Connecticut Labor Dept Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6 month term Share Certificates
$500
2.00%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Northwest Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
6 Month Time Deposit & IRA
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
6 Month Certificate
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
IRA 6 Month Certificate
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
182 Day / 6 Month
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Fairfield County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
182 Day / 6 Month
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
CD & IRA - 6 Months
$1,000
1.20%
▼
Rate1.19%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Quarterly Post or Interest Checks<sup>2</sup>
Southbury 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
1461 S Britain Rd, Southbury, CT 06488 1177
12 Month Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
685 Main St S, Southbury, CT 06488
1 Year CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
685 Main St S, Southbury, CT 06488
1 Year CD & IRA
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
363 Main St S, Southbury, CT 06488
12 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
363 Main St S, Southbury, CT 06488
12 Month Certificate of Deposit
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
363 Main St S, Southbury, CT 06488
IRA 12 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
New Haven County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
Share Certificate 1 year
$0
4.08%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
1-Year Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.73%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
APY (Annual Percentage Yield) is 3.80% and the Interest Rate is 3.73%. APY effective 12/18/2025 and subject to change. $1,000 minimum opening deposit to open the account and earn APY. Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Fees may reduce earnings. This offer is not available to brokers or financial institutions. Offer may be withdrawn at any time.
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
1 Year Certificate and IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
1-Year Certificate
$0
3.72%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
12 months Certificate
$2,500
3.71%
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
Regular term and IRA Certificates - Minimum Deposit $2,500.00
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
Regular term and IRA Certificates - 12 months
$2,500
3.71%
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
FD Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
12 Month
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
$500 minimum, dividends compounded monthly. Early withdrawal penalty = 180 days dividend.
Americas First Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
Roth & Educational IRA Share Certificates 12 Month
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Americas First Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
Standard IRA Share Certificates 12 Month
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
IRA Accounts 1 Year
$500
3.57%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
12 Months Term Share Certificates & IRA Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
CD & IRA - 12 Months
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Quarterly Post or Interest Checks<sup>2</sup>
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
1 Year Term Share Certificates
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Jewett City Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
IRA CD Special for Contributions Only 1 Year
$1,000
3.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Available for a limited time only; offer may be withdrawn at any time; Available for current year IRA contributions only of up to $8,600; Open in branch only.
Tobacco Valley Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1 Year Share Certificate or more
$0
3.40%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$1,000
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
12 Month Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
12 Month IRA Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
12 Month Share Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
IRA Certificates 12 Month Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
1 Year Certificate
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
IRA 1 Year Certificate
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
12 Months Certificates/IRA Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
12 Month Certificate IRA Certificates
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
12 Month Certificate
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
1 Year Star Relationship CD
$500
3.27%
▼
Rate3.17%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalties May Apply
Connecticut Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
12 Month Certificate of Deposit Accounts
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Connecticut Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
12 Month Certificate of Deposit Accounts for Businesses
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Connecticut Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Certificate of Deposit Accounts and Individual Retirement Accounts 12 Month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Until Maturity
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
12 month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
IRA Certificates 12 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Regular Certificates 12 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
12 Month CD
$1,000
3.10%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Achieve Financial Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.59%
12 Months Share Certificates
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
1 Year Certificate of Deposit (CD)
$500
3.00%
▼
Rate2.92%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalties May Apply
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
Save to Win! Qualifying Certificate Account - 12 months
$2,500
2.79%
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
Ask for details - You may win a $25 monthly cash prize!
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
1-Year HSA CD
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Science Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
12 months Share Certificates CD SPECIAL
$0
2.75%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
Investment Share and IRA Certificates 12 Months
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
GHA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
1 Year Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Southbury 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
685 Main St S, Southbury, CT 06488
18 Month CD
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
685 Main St S, Southbury, CT 06488
18 Month CD & IRA
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
1461 S Britain Rd, Southbury, CT 06488 1177
18 Month IRA
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
1461 S Britain Rd, Southbury, CT 06488 1177
18 Month Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
363 Main St S, Southbury, CT 06488
18 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
363 Main St S, Southbury, CT 06488
18 Month Certificate of Deposit
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
363 Main St S, Southbury, CT 06488
IRA 18 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
New money only; Alero Financial membership required
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18 Month No Penalty CD
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Must be opened in branch
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
APY (Annual Percentage Yield) is 3.25% and the Interest Rate is 3.20%. APY effective 12/18/2025 and subject to change. $1,000 minimum opening deposit to open the account and earn APY. Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Fees may reduce earnings. This offer is not available to brokers or financial institutions. Offer may be withdrawn at any time.
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
18-Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
IRA Certificate 18-Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Northwest Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
18 Month Time Deposit & IRA
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
IRA Certificates 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Regular Certificates 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
18 Month CD
$1,000
3.10%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
18 months Certificate
$2,500
3.04%
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
Regular term and IRA Certificates - Minimum Deposit $2,500.00
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
18 Months Term Share Certificates & IRA Certificates
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
18 Months Certificates/IRA Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
Regular term and IRA Certificates - 18 months
$2,500
3.04%
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
18 month Certificates of Deposit (Regular and IRAs)
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
18 month Certificates of Deposit
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Finex Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.72%
CD 18 Month Special-NEW MONEY ONLY Premier Membership
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
NEW MONEY ONLY
Finex Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.72%
18 Month Special-NEW MONEY ONLY Premier Membership
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
New Money Only
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
18 Month Star Relationship CD
$500
2.76%
▼
Rate2.69%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalties May Apply
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
18 Month Certificate
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
18 Month IRA Certificate
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
18 Month Share Certificate
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
IRA Certificates 18 Month Certificate
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
18 Month Certificate of Deposit (CD)
$500
2.50%
▼
Rate2.44%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalties May Apply
Achieve Financial Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.59%
18 Months Share Certificates
$0
2.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1.5 Year Certificate and IRA Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Certificate and IRA Certificate 1.5 Year
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate2.00%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
18 Month Certificate
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
18 Month Certificate IRA Certificates
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Jewett City Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
18 Month Bump-Up CD
$1,000
2.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Jewett City Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
Bump-Up CDs 18 months
$1,000
2.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Minimum deposit to open is $1,000. Minimum daily balance to obtain the APY is $0.01. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal. At the account holder's request, the interest rate and APY may be increased one time during the 18-month term or two times during the 42-month term of the CD prior to maturity without penalty to the current interest rate and APY available for new CDs of the same type at the time of the request. This feature is available only if the interest rate and APY available for new CDs of the same type have increased during the term of the CD. The new rate will be paid from the time of the request until the maturity date.
FD Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
18 Month
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
$500 minimum, dividends compounded monthly. Early withdrawal penalty = 180 days dividend.
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
CD & IRA - 18 Months
$1,000
1.80%
▼
Rate1.78%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Quarterly Post or Interest Checks<sup>2</sup>
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
18 month IRA Certificate
$0
1.80%
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate1.75%
Min Deposit$25,000
Min Balance—
UpdatedMay 17, 2026
Details
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
18 month Certificate
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
$250.00 - $9,999.99; Relationship APY
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
18 Month Term Share Certificates and IRA Term Share Certificates
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
Share Certificates for 18 months
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
APY - Annual Percentage Yield.
Southbury 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
363 Main St S, Southbury, CT 06488
24 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
363 Main St S, Southbury, CT 06488
24 Month Certificate of Deposit
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
363 Main St S, Southbury, CT 06488
IRA 24 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
685 Main St S, Southbury, CT 06488
2 Year CD
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
685 Main St S, Southbury, CT 06488
2 Year CD & IRA
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
24 month IRA Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
2-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
2 Years Term Share Certificates & IRA Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Tobacco Valley Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
2 Year Share Certificate or more
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$50,000
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
2 Years Term Share Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Tobacco Valley Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
2 Year Share Certificate
$0
3.45%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$1,000 - $49,500
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
IRA Certificates 24 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Regular Certificates 24 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
2 Years Certificate and IRA Certificates
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
FD Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
24 Month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
$500 minimum, dividends compounded monthly. Early withdrawal penalty = 180 days dividend.
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
24 months Certificate
$2,500
3.14%
▼
Rate3.10%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
Regular term and IRA Certificates - Minimum Deposit $2,500.00
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
Regular term and IRA Certificates - 24 months
$2,500
3.14%
▼
Rate3.10%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
24 Months Certificates/IRA Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
New Haven County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
Share Certificate 2 year
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Northwest Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
2 Year Time Deposit & IRA
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
IRA 2 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
2 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
24 Month CD
$1,000
2.85%
▼
Rate2.81%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
2 Year Star Relationship CD
$500
2.76%
▼
Rate2.69%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalties May Apply
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
2 year Certificates of Deposit
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
2 year Certificates of Deposit (Regular and IRAs)
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
IRA Certificates 24 Month Certificate
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
24 Month Certificate
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
24 Month Share Certificate
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
24 Month IRA Certificate
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
IRA Accounts 2 Year
$500
2.53%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Jewett City Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
IRA CD Special for Contributions Only 2 Years
$1,000
2.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Available for a limited time only; offer may be withdrawn at any time; Available for current year IRA contributions only of up to $8,600; Open in branch only.
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
2 Year Certificate of Deposit (CD)
$500
2.50%
▼
Rate2.44%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalties May Apply
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
Investment Share and IRA Certificates 24 Months
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
CD & IRA - 24 Months
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Quarterly Post or Interest Checks<sup>2</sup>
Americas First Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
Standard IRA Share Certificates 24 Month
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Americas First Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
Roth & Educational IRA Share Certificates 24 Month
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
2 Year Certificate and IRA Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Certificate and IRA Certificate 2 Year
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Achieve Financial Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.59%
24 Months Share Certificates
$0
2.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
24 Month Certificate
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
24 Month Certificate IRA Certificates
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
24 month Certificate
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Connecticut Labor Dept Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
2 year term Share Certificates
$500
2.00%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Connecticut Labor Dept Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
2 year term IRA Certificates
$500
2.00%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Southbury 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
685 Main St S, Southbury, CT 06488
3 Year CD
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
685 Main St S, Southbury, CT 06488
3 Year CD & IRA
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
1461 S Britain Rd, Southbury, CT 06488 1177
36 Month IRA
$500
3.05%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
Connecticut State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
1461 S Britain Rd, Southbury, CT 06488 1177
36 Month Certificate
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
363 Main St S, Southbury, CT 06488
36 Month Certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
363 Main St S, Southbury, CT 06488
36 Month Certificate of Deposit
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
363 Main St S, Southbury, CT 06488
IRA 36 Month Certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
3-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3-Year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Tobacco Valley Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
3 Year Share Certificate or more
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$50,000
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
3 Years Term Share Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Tobacco Valley Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
3 Year Share Certificate
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$1,000 - $49,500
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
IRA Certificates 36 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Regular Certificates 36 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
36 months Certificate
$2,500
3.30%
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
Regular term and IRA Certificates - Minimum Deposit $2,500.00
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
Regular term and IRA Certificates - 36 months
$2,500
3.30%
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
3 Years Certificate and IRA Certificates
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Northwest Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
3 Year Time Deposit & IRA
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
3 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
IRA 3 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
36 Month Certificate
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
36 Month IRA Certificate
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
36 Month Share Certificate
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
IRA Certificates 36 Month Certificate
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
36 Month CD
$1,000
2.85%
▼
Rate2.81%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
3 Year Certificate and IRA Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Certificate and IRA Certificate 3 Year
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
3 year Certificates of Deposit
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
3 year Certificates of Deposit (Regular and IRAs)
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
IRA Accounts 3 Year
$500
2.54%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
3 Years Term Share Certificates & IRA Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Achieve Financial Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.59%
36 Months Share Certificates
$0
2.53%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
36 Months Certificates/IRA Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
3 Year Star Relationship CD
$500
2.50%
▼
Rate2.44%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalties May Apply
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
CD & IRA - 36 Months
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Quarterly Post or Interest Checks<sup>2</sup>
New Haven County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
Share Certificate 3 year
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
36 month IRA Certificate
$0
2.30%
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
3 Year Certificate of Deposit (CD)
$500
2.25%
▼
Rate2.19%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalties May Apply
FD Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
36 Month
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
$500 minimum, dividends compounded monthly. Early withdrawal penalty = 180 days dividend.
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
36 month Certificate
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
36 Month Certificate
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
36 Month Certificate IRA Certificates
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Connecticut Labor Dept Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
3 year term Share Certificates
$500
2.00%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Jewett City Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
Certificates of Deposit (CDs) 3 Years
$0
1.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Southbury 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
685 Main St S, Southbury, CT 06488
4 Year CD
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
685 Main St S, Southbury, CT 06488
4 Year CD & IRA
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
363 Main St S, Southbury, CT 06488
48 Month Certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
363 Main St S, Southbury, CT 06488
48 Month Certificate of Deposit
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
363 Main St S, Southbury, CT 06488
IRA 48 Month Certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
4-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
4 Years Term Share Certificates
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
48 months Certificate
$2,500
3.35%
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
Regular term and IRA Certificates - Minimum Deposit $2,500.00
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
Regular term and IRA Certificates - 48 months
$2,500
3.35%
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
IRA Certificates 48 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Regular Certificates 48 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
IRA 4 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
4 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Northwest Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4 Year Time Deposit & IRA
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
48 Month Certificate
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
48 Month IRA Certificate
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
48 Month Share Certificate
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
IRA Certificates 48 Month Certificate
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
48 Month CD
$1,000
2.85%
▼
Rate2.81%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Achieve Financial Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.59%
48 Months Share Certificates
$0
2.79%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
48 Months Certificates/IRA Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
FD Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
48 Month
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
$500 minimum, dividends compounded monthly. Early withdrawal penalty = 180 days dividend.
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
4 year Certificates of Deposit
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
4 year Certificates of Deposit (Regular and IRAs)
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
New Haven County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
Share Certificate 4 year
$0
2.63%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
CD & IRA - 48 Months
$1,000
2.55%
▼
Rate2.52%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Quarterly Post or Interest Checks<sup>2</sup>
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
48 month IRA Certificate
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
IRA Accounts 4 Year
$500
2.54%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
4 Years Term Share Certificates & IRA Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
4 Year Star Relationship CD
$500
2.50%
▼
Rate2.44%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalties May Apply
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
48 month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
4 Year Certificate of Deposit (CD)
$500
2.25%
▼
Rate2.19%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalties May Apply
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
48 Month Certificate
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
48 Month Certificate IRA Certificates
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Connecticut Labor Dept Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
4 year term Share Certificates
$500
2.00%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Jewett City Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
Certificates of Deposit (CDs) 4 Years
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
CorePlus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
4 Year Certificate
$500
1.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
CorePlus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Certificates 4 Year
$500
1.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Finex Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.72%
CD 48 month Premier Membership
$1,000
0.95%
▼
Rate0.95%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Finex Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.72%
48 month Premier Membership
$0
0.95%
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Finex Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.72%
48 month General Membership
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Finex Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.72%
CD 48 month General Membership
$1,000
0.70%
▼
Rate0.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
GHA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4 Year Certificate
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
48-Month Certificate
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
IRA Certificate 48-Month
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Southbury 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
363 Main St S, Southbury, CT 06488
60 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
363 Main St S, Southbury, CT 06488
IRA 60 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
363 Main St S, Southbury, CT 06488
60 Month Certificate of Deposit
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
685 Main St S, Southbury, CT 06488
5 Year CD
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
685 Main St S, Southbury, CT 06488
5 Year CD & IRA
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
5-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
5 Years Term Share Certificates
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
60 months Certificate
$2,500
3.56%
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
Regular term and IRA Certificates - Minimum Deposit $2,500.00
Albright Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
Regular term and IRA Certificates - 60 months
$2,500
3.56%
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
IRA Certificates 60 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Franklin Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Regular Certificates 60 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
IRA Certificates 60 Month Certificate
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Achieve Financial Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.59%
60 Months Share Certificates
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
60 month IRA Certificate
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
60 Month Share Certificate
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
60 Month IRA Certificate
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
60 Month Certificate
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Northwest Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
5 Year Time Deposit & IRA
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
FD Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.52%
60 Month
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
$500 minimum, dividends compounded monthly. Early withdrawal penalty = 180 days dividend.
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
5 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
IRA 5 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
United Business and Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
60 month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
60 Month CD
$1,000
2.85%
▼
Rate2.81%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
New Haven County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
Share Certificate 5 year
$0
2.84%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
2.5 Year Certificate and IRA Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Certificate and IRA Certificate 2.5 Year
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
MEMBERSFIRST CT
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
60 Months Certificates/IRA Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Stafford Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
IRA Accounts 5 Year
$500
2.54%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
5 Years Term Share Certificates & IRA Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
5 Year Certificate and IRA Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Hartford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Certificate and IRA Certificate 5 Year
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
5 year Certificates of Deposit (Regular and IRAs)
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
Investment Share and IRA Certificates 60 Months
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
New Haven Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
5 year Certificates of Deposit
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
5 Year Star Relationship CD
$500
2.50%
▼
Rate2.44%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalties May Apply
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
5 Year Certificate of Deposit (CD)
$500
2.25%
▼
Rate2.19%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalties May Apply
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
60 Month Certificate
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Enfield Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
60 Month Certificate IRA Certificates
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Jewett City Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
Certificates of Deposit (CDs) 5 Years
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
CD & IRA - 60 Months
$1,000
1.70%
▼
Rate1.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Quarterly Post or Interest Checks<sup>2</sup>
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
CorePlus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
5 Year Certificate
$1,000
1.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
CorePlus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Certificates 5 Year
$1,000
1.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5 Year Certificate of Deposit
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
Finex Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.72%
60 month Premier Membership
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
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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.
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Southbury, CT CD Rate Trends
Compare local Southbury, CT 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
2.012%
▲ 0.012 vs 7 days ago
Connecticut 12-month CD rates rose 0.012 points over the past 7 days to 2.012% APY.
6-Month CD — CT Avg
2.357%
Unchanged vs 7 days ago
Connecticut 6-month CD rates currently average 2.357% APY based on data from institutions in our monitoring network.
As of Jun 3, 2026 • Rate data sourced from 8,500+ monitored institutions
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CT CD Rate Forecast — Next 12 Months
Where are Connecticut CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CT 12-Month Avg APY
2.012%
6-Month Forecast
2.012%
Range: 1.81% – 2.16%
12-Month Forecast
1.762%
Range: 1.56% – 1.91%
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What Your Savings Earn at CT CD Rates Today
Annual interest earnings at today’s Connecticut average APYs. State average used where available; national average as fallback.
| CD Term | CT Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.213% | $110.63 | $221.26 | $553.15 | $1,106.30 |
| 6-Month CD | 2.357% | $117.85 | $235.69 | $589.23 | $1,178.45 |
| 12-Month CD | 2.012% | $100.61 | $201.21 | $503.03 | $1,006.05 |
| 18-Month CD | 1.805% | $90.23 | $180.46 | $451.15 | $902.30 |
| 24-Month CD | 1.392% | $69.60 | $139.20 | $348.00 | $696.00 |
| 36-Month CD | 1.597% | $79.84 | $159.67 | $399.18 | $798.35 |
| 48-Month CD | 1.600% | $80.02 | $160.04 | $400.10 | $800.20 |
| 60-Month CD | 1.342% | $67.09 | $134.18 | $335.45 | $670.90 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 1, 2026. | |||||
Sample CD Ladder for Southbury, 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 | 2.213% | $110.63 |
| 2 | 6-Month CD | $5,000 | 2.357% | $117.85 |
| 3 | 12-Month CD | $5,000 | 2.012% | $100.61 |
| 4 | 24-Month CD | $5,000 | 1.392% | $69.60 |
| 5 | 36-Month CD | $5,000 | 1.597% | $79.84 |
| Total ($25,000 invested) | $25,000 | 1.914% blended | $478.53/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.
490
CD Rates
Tracked in Southbury, Connecticut
Tracked in Southbury, Connecticut
22 Banks
32 Credit Unions
About Our Southbury, Connecticut CD Rate Database
MonitorBankRates tracks 490 CD rates from 22 banks and 32 credit unions with locations in Southbury, 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: Webster Bank offers a CD at 4.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Southbury, Connecticut.
How to Find the Best CD Rates in Southbury, Connecticut
What to compare when shopping for a CD in Southbury, Connecticut
To find the best APYs in Southbury, Connecticut, start with credit unions and online-only banks — Southbury, Connecticut has 32 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 Southbury, 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 Southbury, Connecticut — 54 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Southbury, Connecticut savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Southbury, Connecticut money market rates
Connecticut Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
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
$106/yr
At CT 12-mo avg 2.012% 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 2.012%, saving 10% of the local median salary ($5,259/year) and putting it in a CD would earn an additional $106 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 Southbury, 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 Southbury, 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 Southbury, 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 Southbury, Connecticut as everywhere in the U.S.
Choosing a CD Term in Southbury, 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 Southbury, Connecticut savers easier access to their funds. For example, Connecticut State Employees Credit Union is offering its 6 Month Certificate at 3.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Ion Bank is offering its 60 Month Certificate at 1.00% 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 Southbury, 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 Southbury, 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 Southbury, 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 Southbury, 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 Southbury, Connecticut
Most CDs carry a fixed rate that is locked for the entire term, protecting a Southbury, 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 Southbury, Connecticut
Are CD rates in Southbury, Connecticut FDIC insured?
Yes, most established banks in Southbury, 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 Southbury, 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 Southbury, 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 Southbury, 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 Southbury, Connecticut?
Here are recent top rates found for this area:
- Webster Bank: 4.00% APY (Private 3-Month CD)
- Newtown Savings Bank: 3.75% APY (18 Month CD)
- Connecticut State Employees Credit Union: 3.75% APY (6 Month Certificate)
- Ion Bank: 3.65% APY (IRA 3 Month Certificate)
- New Haven County Credit Union: 4.08% APY (Share Certificate 1 year)
- United Business and Industry Federal Credit Union: 4.00% APY (24 month IRA Certificate)
- First County Bank: 4.00% APY (3 Month)
- FD Community Federal Credit Union: 4.00% APY (6 Month CD Only)
- Capital One Bank: 3.90% APY (12 Months)
- SUMA Federal Credit Union: 3.87% APY (6-Month Share Certificate)
Rates reflect recent verified offers available in Southbury, Connecticut. Last Updated: June 1, 2026
CD Calculators for Southbury, Connecticut
Southbury, Connecticut CD Calculator
At today’s CT top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.
Southbury, Connecticut CD LadderCT CD rates currently range from 2.213% (3-month) to 1.597% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Southbury, Connecticut CD at 4.00% 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 2.012% 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 Southbury, 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 Southbury, 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 Southbury, 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: June 1, 2026
Southbury, Connecticut Rates & Resources
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