MonitorBankRates
☰
Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
CD Rate Trends

Delaware Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • 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.
Read Full Bio
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Delaware CD rates range from 0.01% to 4.45% APY, verified by MonitorBankRates as of October 13, 2026. Current Delaware CD rates include Comenity BankComenity Bank1 Righter Pkwy, Wilmington, DE 19803B4.6 ★Texas Ratio: 20.12%Real return: +1.65%APY minus CPI (February 2026) offering 1-year CD at 4.45% APY, HSBC Trust Company (Delaware)HSBC Trust Company (Delaware)300 Delaware Ave Ste 1401, Wilmington, DE 19801A+5.0 ★Texas Ratio: 0.00%Real return: +1.65%APY minus CPI (February 2026) offering 24 Month CD at 4.45% APY, SFGI DirectSFGI Direct18467 Coastal Hwy, Lewes, DE 19958A5.0 ★Texas Ratio: 7.39%Real return: +1.60%APY minus CPI (February 2026) offering 18-Month CD at 4.40% APY, Barclays BankBarclays Bank125 S West St, Wilmington, DE 19801A5.0 ★Texas Ratio: 8.21%Real return: +1.55%APY minus CPI (February 2026) offering 24 Month Online CD at 4.35% APY, and Franklin Mint Federal Credit UnionFranklin Mint Federal Credit Union2000 Pennsylvania Ave Unit 101, Wilmington, DE 19806 2457A5.0 ★Texas Ratio: 6.91%Real return: +1.55%APY minus CPI (February 2026) offering Certificate - 18 MONTH at 4.35% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Delaware side-by-side. Delaware CD rates currently reach as high as 4.45% APY from Comenity Bank at 1 Righter Pkwy, Wilmington, DE 19803. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026

Compare Best CD Rates in Delaware

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

Delaware 3 Month CD Rates

MonitorBankRates Delaware Average · 3 Month CD1.95% APY▼ 0.01% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Delaware is 1.95% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Comenity Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.12%
1 Righter Pkwy, Wilmington, DE 19803
3-month CD
$1,500
3.95% ▲ 2.00% above Delaware avg
View
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average1.95%▲ 2.00% above avgNationally 2.09%
Details

A penalty will be imposed for early withdrawals on CDs. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.

Rate History
1 change since Sep 19, 2026 · 3.90% → 3.95% ▲ 0.05 pts · high 3.95% / low 3.90%
3.40%3.93%4.45%Sep 19, 2026: 3.90% APYOct 11, 2026: 3.95% APYSep 19, 2026Oct 13, 2026
  • Oct 11, 20263.95%▲ from 3.90%
  • Sep 19, 20263.90%first recorded
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
1000 N West St, Wilmington, DE 19801
3 Month Certificate
$0
3.75% ▲ 1.80% above Delaware avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average1.95%▲ 1.80% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
Concord Gallery Shopping Center, Wilmington, DE 19803
3 Month Regular / IRA
$500
3.50% ▲ 1.55% above Delaware avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average1.95%▲ 1.55% above avgNationally 2.09%
Details

Regular / IRA

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 13, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
2000 Pennsylvania Ave Unit 101, Wilmington, DE 19806 2457
Certificate - 3 MONTH
$0
3.50% ▲ 1.55% above Delaware avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average1.95%▲ 1.55% above avgNationally 2.09%
Details

Penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
3301 Philadelphia Pike, Claymont, DE 19703
3 Month IRA Certificate
$500
3.14% ▲ 1.19% above Delaware avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average1.95%▲ 1.19% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.14% APY · checked 2 times
2.64%3.14%3.64%Oct 8, 2026: 3.14% APYOct 8, 2026Oct 13, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
7 Commerce St, Harrington, DE 19952
Fixed Rate of Return - 3 Month
$2,500
3.00% ▲ 1.05% above Delaware avg
View
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average1.95%▲ 1.05% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
50 Atlantic Ave, Ocean View, DE 19970
3 Month Certificate
$1,000
3.00% ▲ 1.05% above Delaware avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average1.95%▲ 1.05% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
2961 Centerville Rd, Wilmington, DE 19808
3 Month Fixed Rate Certificate of Deposit (CDs)
$0
2.50% ▲ 0.55% above Delaware avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average1.95%▲ 0.55% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 13, 2026
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
19927 Shuttle Rd, Rehoboth Beach, DE 19971
90 Day Certificate of Deposit OR IRA
$500
2.40% ▲ 0.45% above Delaware avg
View
▼
Rate2.38%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average1.95%▲ 0.45% above avgNationally 2.09%
Details

Rate History
No change since Sep 7, 2026 · 2.40% APY · checked 7 times
1.90%2.40%2.90%Sep 7, 2026: 2.40% APYSep 7, 2026Oct 13, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
35742 Atlantic Avenue, Millville, DE 19967
Regular (CDs + IRAs) - 3 Months
$500
2.00% ▲ 0.05% above Delaware avg
View
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average1.95%▲ 0.05% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 19, 2026: 2.00% APYSep 19, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
3 Month TD Choice CD (Promotional)
$250
2.00% ▲ 0.05% above Delaware avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average1.95%▲ 0.05% above avgNationally 2.09%
Details

Same rate all balance tiers

Rate History
No change since Oct 11, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 11, 2026: 2.00% APYOct 11, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
3 Month TD Choice CD (Non-Promotional)
$250
1.99% ▲ 0.04% above Delaware avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average1.95%▲ 0.04% above avgNationally 2.09%
Details

Rate History
No change since Oct 11, 2026 · 1.99% APY
1.49%1.99%2.49%Oct 11, 2026: 1.99% APYOct 11, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2035 Limestone Rd, Wilmington, DE 19808
3 Month - Relationship
$0
1.00% ▼ 0.95% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average1.95%▼ 0.95% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2035 Limestone Rd, Wilmington, DE 19808
3 Month Certificate
$0
1.00% ▼ 0.95% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average1.95%▼ 0.95% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2035 Limestone Rd, Wilmington, DE 19808
3 Month TD Choice CD
$250
1.00% ▼ 0.95% below Delaware avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average1.95%▼ 0.95% below avgNationally 2.09%
Details

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

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
3 Month - Relationship
$0
1.00% ▼ 0.95% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average1.95%▼ 0.95% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
3 Month Certificate
$0
1.00% ▼ 0.95% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average1.95%▼ 0.95% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
3 Month TD Choice CD
$250
1.00% ▼ 0.95% below Delaware avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average1.95%▼ 0.95% below avgNationally 2.09%
Details

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

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
21035 Dupont Blvd, Georgetown, DE 19947
3 Month Certificate
$0
0.70% ▼ 1.25% below Delaware avg
View
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average1.95%▼ 1.25% below avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 0.70% APY · checked 2 times
0.20%0.70%1.20%Oct 7, 2026: 0.70% APYOct 7, 2026Oct 13, 2026
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
814 W Basin Rd, New Castle, DE 19720
3 Month Share Certificate
$0
0.20% ▼ 1.75% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average1.95%▼ 1.75% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 7 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
16982 Kings Hwy, Lewes, DE 19958
90 Day Fixed Rate Time Deposit/IRA
$500
0.10% ▼ 1.85% below Delaware avg
View
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average1.95%▼ 1.85% below avgNationally 2.09%
Details

Rate History
No change since Sep 11, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 11, 2026: 0.10% APYSep 11, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
100 W 10th St, Wilmington, DE 19801
3 month Standard Fixed Rate
$2,500
0.06% ▼ 1.89% below Delaware avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average1.95%▼ 1.89% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
100 W 10th St, Wilmington, DE 19801
3 month Standard Interest Rate
$2,500
0.06% ▼ 1.89% below Delaware avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average1.95%▼ 1.89% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
100 W 10th St, Wilmington, DE 19801
3 month Standard Fixed Rate
$2,500
0.05% ▼ 1.90% below Delaware avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average1.95%▼ 1.90% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2200 Concord Pike, Wilmington, DE 19803
90 Day Certificate of Deposit
$1,000
0.05% ▼ 1.90% below Delaware avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average1.95%▼ 1.90% below avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 13, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2200 Concord Pike, Wilmington, DE 19803
90 Day Jumbo Certificate of Deposit
$95,000
0.05% ▼ 1.90% below Delaware avg
View
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average1.95%▼ 1.90% below avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 Delaware Ave, Wilmington, DE 19801
3 Month Certificate of Deposit
$0
0.03% ▼ 1.92% below Delaware avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average1.95%▼ 1.92% below avgNationally 2.09%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 Delaware Ave, Wilmington, DE 19801
3 Month Certificate of Deposit
$0
0.02% ▼ 1.93% below Delaware avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average1.95%▼ 1.93% below avgNationally 2.09%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 Delaware Ave, Wilmington, DE 19801
3 Month Certificate of Deposit
$0
0.01% ▼ 1.94% below Delaware avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average1.95%▼ 1.94% below avgNationally 2.09%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 13, 2026

Delaware 6 Month CD Rates

MonitorBankRates Delaware Average · 6 Month CD2.56% APY▲ 0.02% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Delaware is 2.56% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
502 E Market St, Greenwood, DE 19950
6 Month 360 CDs
$0
4.30% ▲ 1.74% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.56%▲ 1.74% above avgNationally 2.78%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
18467 Coastal Hwy, Lewes, DE 19958
6-Month CD
$1,000
4.20% ▲ 1.64% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.56%▲ 1.64% above avgNationally 2.78%
Details

A competitive rate with a shorter commitment

Rate History
1 change since Sep 28, 2026 · 4.09% → 4.20% ▲ 0.11 pts · high 4.20% / low 4.09%
3.59%4.15%4.70%Sep 28, 2026: 4.09% APYOct 7, 2026: 4.20% APYSep 28, 2026Oct 13, 2026
  • Oct 7, 20264.20%▲ from 4.09%
  • Sep 28, 20264.09%first recorded
Comenity Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.12%
1 Righter Pkwy, Wilmington, DE 19803
6-month CD
$1,500
4.05% ▲ 1.49% above Delaware avg
View
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.56%▲ 1.49% above avgNationally 2.78%
Details

A penalty will be imposed for early withdrawals on CDs. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.

Rate History
1 change since Sep 19, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00%
3.50%4.03%4.55%Sep 19, 2026: 4.00% APYOct 11, 2026: 4.05% APYSep 19, 2026Oct 13, 2026
  • Oct 11, 20264.05%▲ from 4.00%
  • Sep 19, 20264.00%first recorded
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Delaware Ave Ste 1401, Wilmington, DE 19801
6 Month CD
$1,000
4.05% ▲ 1.49% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.56%▲ 1.49% above avgNationally 2.78%
Details

Rate History
1 change since Sep 28, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00%
3.50%4.03%4.55%Sep 28, 2026: 4.00% APYOct 12, 2026: 4.05% APYSep 28, 2026Oct 13, 2026
  • Oct 12, 20264.05%▲ from 4.00%
  • Sep 28, 20264.00%first recorded
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Delaware Ave Ste 1401, Wilmington, DE 19801
6 Month New Money CD
$1,000
4.05% ▲ 1.49% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.56%▲ 1.49% above avgNationally 2.78%
Details

Exclusively for Premier clients. New Money is defined as deposits and investments not previously held by any member of the HSBC Group in the U.S. New Money is determined at HSBC's discretion.

Rate History
No change since Oct 3, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 3, 2026: 4.05% APYOct 3, 2026Oct 13, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
2961 Centerville Rd, Wilmington, DE 19808
6 Month Certificate of Deposit
$0
4.05% ▲ 1.49% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.56%▲ 1.49% above avgNationally 2.78%
Details

ADD'L DISCLOSURES

Rate History
No change since Sep 16, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 16, 2026: 4.05% APYSep 16, 2026Oct 13, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
2961 Centerville Rd, Wilmington, DE 19808
6 Month Fixed Rate Certificate of Deposit (CDs)
$0
4.05% ▲ 1.49% above Delaware avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.56%▲ 1.49% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 13, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
125 S West St, Wilmington, DE 19801
6 Month Online CD
$0
4.00% ▲ 1.44% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.56%▲ 1.44% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Delaware Ave Ste 1401, Wilmington, DE 19801
6 Month CD
$1,000
4.00% ▲ 1.44% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.56%▲ 1.44% above avgNationally 2.78%
Details

Only available to existing Premier customers.

Rate History
No change since Sep 28, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 28, 2026: 4.00% APYSep 28, 2026Oct 13, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Delaware Ave Ste 1401, Wilmington, DE 19801
6 Month Online CD
$1,000
4.00% ▲ 1.44% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.56%▲ 1.44% above avgNationally 2.78%
Details

Minimum balance to open and obtain APY is $1000. A penalty may be imposed for early withdrawal.

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
140 Aerenson Dr, Milford, DE 19963
6 Month Regular And IRA Share Certificates
$500
4.00% ▲ 1.44% above Delaware avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.56%▲ 1.44% above avgNationally 2.78%
Details

Not offered for IRA Certificate; Dividends compounded and paid monthly; Penalties apply for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
2.70%3.68%4.65%Sep 14, 2026: 3.35% APYSep 25, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.00%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
6 Month Share Certificate (Jumbo)
$25,000
4.00% ▲ 1.44% above Delaware avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.56%▲ 1.44% above avgNationally 2.78%
Details

Rates effective October 5, 2026

Rate History
1 change since Sep 14, 2026 · 1.00% → 4.00% ▲ 3.00 pts · high 4.00% / low 1.00%
0.00%3.50%7.00%Sep 14, 2026: 1.00% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 1.00%
  • Sep 14, 20261.00%first recorded
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
643 N DuPont Blvd, Milford, DE 19963 1098
6 Month Share & IRA Certificates
$500
3.75% ▲ 1.19% above Delaware avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.56%▲ 1.19% above avgNationally 2.78%
Details

Not available on IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
Concord Gallery Shopping Center, Wilmington, DE 19803
6 Month Regular / IRA
$500
3.70% ▲ 1.14% above Delaware avg
View
▼
Rate3.63%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.56%▲ 1.14% above avgNationally 2.78%
Details

Regular / IRA

Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 12, 2026: 3.70% APYSep 12, 2026Oct 13, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
Concord Gallery Shopping Center, Wilmington, DE 19803
6 Month Youth Certificate
$250
3.70% ▲ 1.14% above Delaware avg
View
▼
Rate3.63%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.56%▲ 1.14% above avgNationally 2.78%
Details

Youth certificate

Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 12, 2026: 3.70% APYSep 12, 2026Oct 13, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
2000 Pennsylvania Ave Unit 101, Wilmington, DE 19806 2457
Certificate - 6 MONTH
$0
3.70% ▲ 1.14% above Delaware avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.56%▲ 1.14% above avgNationally 2.78%
Details

Penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 8 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
1000 N West St, Wilmington, DE 19801
6 Month Certificate
$0
3.65% ▲ 1.09% above Delaware avg
View
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.56%▲ 1.09% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
6 Month Share Certificates
$0
3.56% ▲ 1.00% above Delaware avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.56%▲ 1.00% above avgNationally 2.78%
Details

Share Certificates - $500 Minimum; Effective September 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.56% ▲ 0.26 pts · high 3.56% / low 3.30%
2.80%3.43%4.06%Sep 14, 2026: 3.30% APYOct 13, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.56%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
6 Month Share Certificate
$500
3.55% ▲ 0.99% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.56%▲ 0.99% above avgNationally 2.78%
Details

Rates effective October 5, 2026

Rate History
1 change since Sep 14, 2026 · 0.90% → 3.55% ▲ 2.65 pts · high 3.55% / low 0.90%
0.00%3.10%6.20%Sep 14, 2026: 0.90% APYOct 9, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.55%▲ from 0.90%
  • Sep 14, 20260.90%first recorded
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
3301 Philadelphia Pike, Claymont, DE 19703
6 Month IRA Certificate
$500
3.40% ▲ 0.84% above Delaware avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.56%▲ 0.84% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 8, 2026: 3.40% APYOct 8, 2026Oct 13, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
6 Month Jumbo IRA Share Certificates
$25,000
3.35% ▲ 0.79% above Delaware avg
View
▼
Rate3.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.56%▲ 0.79% above avgNationally 2.78%
Details

IRA share certificate; $25,000 minimum

Rate History
No change since Sep 25, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 25, 2026: 3.35% APYSep 25, 2026Oct 13, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
6 Month Jumbo Share Certificates
$25,000
3.35% ▲ 0.79% above Delaware avg
View
▼
Rate3.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.56%▲ 0.79% above avgNationally 2.78%
Details

$25,000 Minimum

Rate History
No change since Sep 25, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 25, 2026: 3.35% APYSep 25, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
502 E Market St, Greenwood, DE 19950
6 Month Certificate
$0
3.30% ▲ 0.74% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.56%▲ 0.74% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 7, 2026: 3.30% APYOct 7, 2026Oct 13, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
6 Month IRA Share Certificates
$500
3.30% ▲ 0.74% above Delaware avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.56%▲ 0.74% above avgNationally 2.78%
Details

$500; Effective September 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.04% → 3.30% ▲ 0.26 pts · high 3.30% / low 3.04%
2.54%3.17%3.80%Sep 14, 2026: 3.04% APYSep 25, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.30%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
50 Atlantic Ave, Ocean View, DE 19970
6 Month Certificate
$1,000
3.25% ▲ 0.69% above Delaware avg
View
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.56%▲ 0.69% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 13, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
50 Atlantic Ave, Ocean View, DE 19970
IRA Fixed - 6 Months
$100
3.25% ▲ 0.69% above Delaware avg
View
▼
Rate3.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.56%▲ 0.69% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 13, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
7 Commerce St, Harrington, DE 19952
Fixed Rate of Return - 6 Month
$2,500
3.00% ▲ 0.44% above Delaware avg
View
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.56%▲ 0.44% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
35742 Atlantic Avenue, Millville, DE 19967
Regular (CDs + IRAs) - 6 Months
$500
3.00% ▲ 0.44% above Delaware avg
View
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.56%▲ 0.44% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Oct 13, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
6 Month CD
$0
2.96% ▲ 0.40% above Delaware avg
View
▼
Rate2.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.56%▲ 0.40% above avgNationally 2.78%
Details

Rate History
3 changes since Sep 14, 2026 · 3.29% → 2.96% ▼ 0.33 pts · high 3.29% / low 2.96%
2.46%3.13%3.79%Sep 14, 2026: 3.29% APYSep 20, 2026: 3.11% APYSep 24, 2026: 3.20% APYOct 8, 2026: 2.96% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20262.96%▼ from 3.20%
  • Sep 24, 20263.20%▲ from 3.11%
  • Sep 20, 20263.11%▼ from 3.29%
  • Sep 14, 20263.29%first recorded
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
6 Month TD Choice CD (Promotional)
$250
2.00% ▼ 0.56% below Delaware avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.56%▼ 0.56% below avgNationally 2.78%
Details

Same rate all balance tiers

Rate History
No change since Oct 11, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 11, 2026: 2.00% APYOct 11, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
6 Month TD Choice CD (Non-Promotional)
$250
1.99% ▼ 0.57% below Delaware avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.56%▼ 0.57% below avgNationally 2.78%
Details

Rate History
No change since Oct 11, 2026 · 1.99% APY
1.49%1.99%2.49%Oct 11, 2026: 1.99% APYOct 11, 2026Oct 13, 2026
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Churchmans Rd, New Castle, DE 19720
IRA Certificates - 6 Month
$500
1.36% ▼ 1.20% below Delaware avg
View
▼
Rate1.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.56%▼ 1.20% below avgNationally 2.78%
Details

IRA Certificates; $500 minimum

Rate History
No change since Sep 14, 2026 · 1.36% APY · checked 5 times
0.86%1.36%1.86%Sep 14, 2026: 1.36% APYSep 14, 2026Oct 13, 2026
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Churchmans Rd, New Castle, DE 19720
Regular Certificates - 6 Month
$500
1.36% ▼ 1.20% below Delaware avg
View
▼
Rate1.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.56%▼ 1.20% below avgNationally 2.78%
Details

Regular Certificates; $500 minimum

Rate History
No change since Oct 13, 2026 · 1.36% APY
0.86%1.36%1.86%Oct 13, 2026: 1.36% APYOct 13, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2035 Limestone Rd, Wilmington, DE 19808
6 Month Certificate
$0
1.00% ▼ 1.56% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.56%▼ 1.56% below avgNationally 2.78%
Details

Balance: $250.00 - $9,999.99; Relationship APY: 1.00%; Standard APY: 1.00%

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2035 Limestone Rd, Wilmington, DE 19808
6 Month TD Choice CD
$250
1.00% ▼ 1.56% below Delaware avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.56%▼ 1.56% below avgNationally 2.78%
Details

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

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
6 Month Certificate
$0
1.00% ▼ 1.56% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.56%▼ 1.56% below avgNationally 2.78%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
6 Month TD Choice CD
$250
1.00% ▼ 1.56% below Delaware avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.56%▼ 1.56% below avgNationally 2.78%
Details

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

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
300 Foulk Rd, Wilmington, DE 19803
6 Month Regular Certificates
$1,000
1.00% ▼ 1.56% below Delaware avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.56%▼ 1.56% below avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 13, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
21035 Dupont Blvd, Georgetown, DE 19947
6 Month Certificate
$0
0.70% ▼ 1.86% below Delaware avg
View
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.56%▼ 1.86% below avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 0.70% APY · checked 2 times
0.20%0.70%1.20%Oct 7, 2026: 0.70% APYOct 7, 2026Oct 13, 2026
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6 LYNAM ST, WILMINGTON, DE 19804
6 mo Certificate
$1,000
0.35% ▼ 2.21% below Delaware avg
View
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.56%▼ 2.21% below avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 8, 2026: 0.35% APYOct 8, 2026Oct 13, 2026
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
814 W Basin Rd, New Castle, DE 19720
6 Month Share Certificate
$0
0.25% ▼ 2.31% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.56%▼ 2.31% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
16982 Kings Hwy, Lewes, DE 19958
6 Month Fixed Rate Time Deposit/IRA
$500
0.20% ▼ 2.36% below Delaware avg
View
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.56%▼ 2.36% below avgNationally 2.78%
Details

Rate History
No change since Sep 11, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 11, 2026: 0.20% APYSep 11, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
100 W 10th St, Wilmington, DE 19801
6 month Standard Fixed Rate
$2,500
0.06% ▼ 2.50% below Delaware avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.56%▼ 2.50% below avgNationally 2.78%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
100 W 10th St, Wilmington, DE 19801
6 month Standard Interest Rate
$2,500
0.06% ▼ 2.50% below Delaware avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.56%▼ 2.50% below avgNationally 2.78%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
100 W 10th St, Wilmington, DE 19801
6 month Standard Fixed Rate
$2,500
0.05% ▼ 2.51% below Delaware avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.56%▼ 2.51% below avgNationally 2.78%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2200 Concord Pike, Wilmington, DE 19803
6 Month Certificate of Deposit
$1,000
0.05% ▼ 2.51% below Delaware avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.56%▼ 2.51% below avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 13, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2200 Concord Pike, Wilmington, DE 19803
6 Month Jumbo Certificate of Deposit
$95,000
0.05% ▼ 2.51% below Delaware avg
View
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.56%▼ 2.51% below avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
6 Month TD No Catch CD
$250
0.05% ▼ 2.51% below Delaware avg
View
▼
Rate0.05%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.56%▼ 2.51% below avgNationally 2.78%
Details

Rate History
No change since Oct 11, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 11, 2026: 0.05% APYOct 11, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 Delaware Ave, Wilmington, DE 19801
6 Month Certificate of Deposit
$0
0.03% ▼ 2.53% below Delaware avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.56%▼ 2.53% below avgNationally 2.78%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 Delaware Ave, Wilmington, DE 19801
6 Month Certificate of Deposit
$0
0.02% ▼ 2.54% below Delaware avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.56%▼ 2.54% below avgNationally 2.78%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 13, 2026

Delaware 12 Month CD Rates

MonitorBankRates Delaware Average · 12 Month CD2.70% APY▲ 0.12% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Delaware is 2.70% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Comenity Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.12%
1 Righter Pkwy, Wilmington, DE 19803
1-year CD
$1,500
4.45% ▲ 1.75% above Delaware avg
View
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.70%▲ 1.75% above avgNationally 2.99%
Details

A penalty will be imposed for early withdrawals on CDs. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.

Rate History
1 change since Sep 19, 2026 · 4.25% → 4.45% ▲ 0.20 pts · high 4.45% / low 4.25%
3.75%4.35%4.95%Sep 19, 2026: 4.25% APYOct 11, 2026: 4.45% APYSep 19, 2026Oct 13, 2026
  • Oct 11, 20264.45%▲ from 4.25%
  • Sep 19, 20264.25%first recorded
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Delaware Ave Ste 1401, Wilmington, DE 19801
12 Month CD
$1,000
4.35% ▲ 1.65% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.70%▲ 1.65% above avgNationally 2.99%
Details

Rate History
1 change since Sep 28, 2026 · 4.30% → 4.35% ▲ 0.05 pts · high 4.35% / low 4.30%
3.80%4.32%4.85%Sep 28, 2026: 4.30% APYOct 12, 2026: 4.35% APYSep 28, 2026Oct 13, 2026
  • Oct 12, 20264.35%▲ from 4.30%
  • Sep 28, 20264.30%first recorded
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Delaware Ave Ste 1401, Wilmington, DE 19801
12 Month New Money CD
$1,000
4.35% ▲ 1.65% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.70%▲ 1.65% above avgNationally 2.99%
Details

Exclusively for Premier clients. New Money is defined as deposits and investments not previously held by any member of the HSBC Group in the U.S. New Money is determined at HSBC's discretion.

Rate History
No change since Oct 3, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 3, 2026: 4.35% APYOct 3, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
502 E Market St, Greenwood, DE 19950
12 Month 360 CDs
$0
4.30% ▲ 1.60% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.70%▲ 1.60% above avgNationally 2.99%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
18467 Coastal Hwy, Lewes, DE 19958
12-Month CD
$1,000
4.30% ▲ 1.60% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.70%▲ 1.60% above avgNationally 2.99%
Details

A strong rate. A full year of predictable growth.

Rate History
1 change since Sep 28, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 28, 2026: 4.20% APYOct 7, 2026: 4.30% APYSep 28, 2026Oct 13, 2026
  • Oct 7, 20264.30%▲ from 4.20%
  • Sep 28, 20264.20%first recorded
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Delaware Ave Ste 1401, Wilmington, DE 19801
12 Month CD
$1,000
4.30% ▲ 1.60% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.70%▲ 1.60% above avgNationally 2.99%
Details

Only available to existing Premier customers.

Rate History
No change since Sep 28, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 28, 2026: 4.30% APYSep 28, 2026Oct 13, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Delaware Ave Ste 1401, Wilmington, DE 19801
12 Month Online CD
$1,000
4.30% ▲ 1.60% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.70%▲ 1.60% above avgNationally 2.99%
Details

Minimum balance to open and obtain APY is $1000. A penalty may be imposed for early withdrawal.

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 13, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
125 S West St, Wilmington, DE 19801
12 Month Online CD
$0
4.25% ▲ 1.55% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.70%▲ 1.55% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
12 Month TD Choice CD (Promotional)
$250
4.15% ▲ 1.45% above Delaware avg
View
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.70%▲ 1.45% above avgNationally 2.99%
Details

Same rate all balance tiers

Rate History
No change since Oct 11, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 11, 2026: 4.15% APYOct 11, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
12 Month TD Choice CD (Non-Promotional)
$250
4.14% ▲ 1.44% above Delaware avg
View
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.70%▲ 1.44% above avgNationally 2.99%
Details

Rate History
No change since Oct 11, 2026 · 4.14% APY
3.64%4.14%4.64%Oct 11, 2026: 4.14% APYOct 11, 2026Oct 13, 2026
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
140 Aerenson Dr, Milford, DE 19963
12 Month Regular And IRA Share Certificates
$500
4.10% ▲ 1.40% above Delaware avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▲ 1.40% above avgNationally 2.99%
Details

Dividends compounded and paid monthly; Penalties apply for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.30% → 4.10% ▲ 0.80 pts · high 4.10% / low 3.30%
2.50%3.70%4.90%Sep 14, 2026: 3.30% APYSep 25, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.10%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6 LYNAM ST, WILMINGTON, DE 19804
12 mo Certificate
$1,000
4.06% ▲ 1.36% above Delaware avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.70%▲ 1.36% above avgNationally 2.99%
Details

**New money

Rate History
No change since Oct 8, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 8, 2026: 4.06% APYOct 8, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
502 E Market St, Greenwood, DE 19950
1-year online CDs
$0
4.00% ▲ 1.30% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.70%▲ 1.30% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
502 E Market St, Greenwood, DE 19950
12 Month Certificate
$0
4.00% ▲ 1.30% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.70%▲ 1.30% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
643 N DuPont Blvd, Milford, DE 19963 1098
1 Year Business Share Certificates
$500
4.00% ▲ 1.30% above Delaware avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▲ 1.30% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
643 N DuPont Blvd, Milford, DE 19963 1098
1 Year Share & IRA Certificates
$500
4.00% ▲ 1.30% above Delaware avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▲ 1.30% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
12 Month Share Certificate (Jumbo)
$25,000
4.00% ▲ 1.30% above Delaware avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▲ 1.30% above avgNationally 2.99%
Details

Rates effective October 5, 2026

Rate History
1 change since Sep 14, 2026 · 1.25% → 4.00% ▲ 2.75 pts · high 4.00% / low 1.25%
0.00%3.38%6.75%Sep 14, 2026: 1.25% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.00%▲ from 1.25%
  • Sep 14, 20261.25%first recorded
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
300 Foulk Rd, Wilmington, DE 19803
12 Month Regular Certificates
$1,000
3.82% ▲ 1.12% above Delaware avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.70%▲ 1.12% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 13, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
12 Month Share Certificates
$0
3.72% ▲ 1.02% above Delaware avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▲ 1.02% above avgNationally 2.99%
Details

Share Certificates - $500 Minimum; Effective September 1, 2026

Rate History
2 changes since Sep 14, 2026 · 3.45% → 3.72% ▲ 0.27 pts · high 3.72% / low 3.45%
2.95%3.59%4.22%Sep 14, 2026: 3.45% APYSep 25, 2026: 3.46% APYOct 13, 2026: 3.72% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.72%▲ from 3.46%
  • Sep 25, 20263.46%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
Concord Gallery Shopping Center, Wilmington, DE 19803
12 month Regular / IRA
$500
3.70% ▲ 1.00% above Delaware avg
View
▼
Rate3.63%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.70%▲ 1.00% above avgNationally 2.99%
Details

Regular / IRA

Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 12, 2026: 3.70% APYSep 12, 2026Oct 13, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
Concord Gallery Shopping Center, Wilmington, DE 19803
12 Month Youth Certificate
$250
3.70% ▲ 1.00% above Delaware avg
View
▼
Rate3.63%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.70%▲ 1.00% above avgNationally 2.99%
Details

Youth certificate

Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 12, 2026: 3.70% APYSep 12, 2026Oct 13, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
2000 Pennsylvania Ave Unit 101, Wilmington, DE 19806 2457
Certificate - 12 MONTH
$0
3.70% ▲ 1.00% above Delaware avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▲ 1.00% above avgNationally 2.99%
Details

Penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 8 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
3301 Philadelphia Pike, Claymont, DE 19703
12 Month IRA Certificate
$500
3.66% ▲ 0.96% above Delaware avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.70%▲ 0.96% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 8, 2026: 3.66% APYOct 8, 2026Oct 13, 2026
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
19927 Shuttle Rd, Rehoboth Beach, DE 19971
12 Month Certificate of Deposit OR IRA
$100,000
3.60% ▲ 0.90% above Delaware avg
View
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.70%▲ 0.90% above avgNationally 2.99%
Details

Rate History
No change since Sep 7, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 7, 2026: 3.60% APYSep 7, 2026Oct 13, 2026
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
19927 Shuttle Rd, Rehoboth Beach, DE 19971
12 Month Certificate of Deposit OR IRA
$500
3.55% ▲ 0.85% above Delaware avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.70%▲ 0.85% above avgNationally 2.99%
Details

Rate History
No change since Sep 7, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 7, 2026: 3.55% APYSep 7, 2026Oct 13, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
12 Month IRA Share Certificate
$500
3.55% ▲ 0.85% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▲ 0.85% above avgNationally 2.99%
Details

Rates effective October 5, 2026

Rate History
1 change since Sep 14, 2026 · 1.25% → 3.55% ▲ 2.30 pts · high 3.55% / low 1.25%
0.00%2.93%5.85%Sep 14, 2026: 1.25% APYOct 9, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.55%▲ from 1.25%
  • Sep 14, 20261.25%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
12 Month Share Certificate
$500
3.55% ▲ 0.85% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▲ 0.85% above avgNationally 2.99%
Details

Rates effective October 5, 2026

Rate History
1 change since Sep 14, 2026 · 1.15% → 3.55% ▲ 2.40 pts · high 3.55% / low 1.15%
0.00%2.97%5.95%Sep 14, 2026: 1.15% APYOct 9, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.55%▲ from 1.15%
  • Sep 14, 20261.15%first recorded
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
12 Month Jumbo IRA Share Certificates
$25,000
3.51% ▲ 0.81% above Delaware avg
View
▼
Rate3.45%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▲ 0.81% above avgNationally 2.99%
Details

IRA share certificate; $25,000 minimum

Rate History
No change since Sep 25, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Sep 25, 2026: 3.51% APYSep 25, 2026Oct 13, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
12 Month Jumbo Share Certificates
$25,000
3.51% ▲ 0.81% above Delaware avg
View
▼
Rate3.45%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▲ 0.81% above avgNationally 2.99%
Details

$25,000 Minimum

Rate History
No change since Sep 25, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Sep 25, 2026: 3.51% APYSep 25, 2026Oct 13, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
1000 N West St, Wilmington, DE 19801
12 Month Certificate
$0
3.50% ▲ 0.80% above Delaware avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.70%▲ 0.80% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
12 Month IRA Share Certificates
$500
3.46% ▲ 0.76% above Delaware avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▲ 0.76% above avgNationally 2.99%
Details

$500; Effective September 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.46% ▲ 0.01 pts · high 3.46% / low 3.45%
2.95%3.46%3.96%Sep 14, 2026: 3.45% APYSep 25, 2026: 3.46% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.46%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
7 W Glenwood Ave, Smyrna, DE 19977
1 Year Online CD
$0
3.25% ▲ 0.55% above Delaware avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.70%▲ 0.55% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
35742 Atlantic Avenue, Millville, DE 19967
Regular (CDs + IRAs) - 12 Months
$500
3.25% ▲ 0.55% above Delaware avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.70%▲ 0.55% above avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 19, 2026: 3.25% APYSep 19, 2026Oct 13, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
12 Month CD
$0
3.17% ▲ 0.47% above Delaware avg
View
▼
Rate3.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.70%▲ 0.47% above avgNationally 2.99%
Details

Rate History
3 changes since Sep 14, 2026 · 3.46% → 3.17% ▼ 0.29 pts · high 3.46% / low 3.17%
2.67%3.32%3.96%Sep 14, 2026: 3.46% APYSep 20, 2026: 3.34% APYSep 24, 2026: 3.40% APYOct 8, 2026: 3.17% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20263.17%▼ from 3.40%
  • Sep 24, 20263.40%▲ from 3.34%
  • Sep 20, 20263.34%▼ from 3.46%
  • Sep 14, 20263.46%first recorded
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
2961 Centerville Rd, Wilmington, DE 19808
12 Month Fixed Rate Certificate of Deposit (CDs)
$0
3.15% ▲ 0.45% above Delaware avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.70%▲ 0.45% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 24, 2026: 3.15% APYSep 24, 2026Oct 13, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
1110 Elkton Rd, Newark, DE 19711
Share Certificate (12-Month)
$0
3.01% ▲ 0.31% above Delaware avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▲ 0.31% above avgNationally 2.99%
Details

Share Certificates ($1,000 Minimum Balance); Minimum Balance for Dividends: $1,000; Effective 6/1/2026

Rate History
No change since Sep 21, 2026 · 3.01% APY · checked 6 times
2.51%3.01%3.51%Sep 21, 2026: 3.01% APYSep 21, 2026Oct 13, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
50 Atlantic Ave, Ocean View, DE 19970
IRA Fixed - 12 Months
$100
3.00% ▲ 0.30% above Delaware avg
View
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.70%▲ 0.30% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
7 Commerce St, Harrington, DE 19952
Fixed Rate of Return - 12 Month
$2,500
2.75% ▲ 0.05% above Delaware avg
View
▼
Rate2.71%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.70%▲ 0.05% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 7, 2026: 2.75% APYOct 7, 2026Oct 13, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
50 Atlantic Ave, Ocean View, DE 19970
12 Month Certificate
$1,000
2.75% ▲ 0.05% above Delaware avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.70%▲ 0.05% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 7, 2026: 2.75% APYOct 7, 2026Oct 13, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
35742 Atlantic Avenue, Millville, DE 19967
12 Months CD
$200
2.00% ▼ 0.70% below Delaware avg
View
▼
Rate2.00%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.70%▼ 0.70% below avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 19, 2026: 2.00% APYSep 19, 2026Oct 13, 2026
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
36 Jerome Dr, Dover, DE 19901
12 Month Certificate
$500
2.00% ▼ 0.70% below Delaware avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.70%▼ 0.70% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Churchmans Rd, New Castle, DE 19720
IRA Certificates - 12 Months
$500
1.76% ▼ 0.94% below Delaware avg
View
▼
Rate1.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▼ 0.94% below avgNationally 2.99%
Details

IRA Certificates; $500 minimum

Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 5 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Oct 13, 2026
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Churchmans Rd, New Castle, DE 19720
Regular Certificates - 12 Months
$500
1.76% ▼ 0.94% below Delaware avg
View
▼
Rate1.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▼ 0.94% below avgNationally 2.99%
Details

Regular Certificates; $500 minimum

Rate History
No change since Oct 13, 2026 · 1.76% APY
1.26%1.76%2.26%Oct 13, 2026: 1.76% APYOct 13, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
100 W 10th St, Wilmington, DE 19801
1 year Standard Fixed Rate
$2,500
1.51% ▼ 1.19% below Delaware avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.70%▼ 1.19% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
1 change since Sep 14, 2026 · 1.50% → 1.51% ▲ 0.01 pts · high 1.51% / low 1.50%
1.00%1.51%2.01%Sep 14, 2026: 1.50% APYOct 7, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20261.51%▲ from 1.50%
  • Sep 14, 20261.50%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
100 W 10th St, Wilmington, DE 19801
1 year Standard Interest Rate
$2,500
1.51% ▼ 1.19% below Delaware avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.70%▼ 1.19% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99; Relationship APY 1.51%

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 3 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
100 W 10th St, Wilmington, DE 19801
1 year Standard Fixed Rate
$2,500
1.50% ▼ 1.20% below Delaware avg
View
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.70%▼ 1.20% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2035 Limestone Rd, Wilmington, DE 19808
12 Month - Relationship
$0
1.00% ▼ 1.70% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.70%▼ 1.70% below avgNationally 2.99%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2035 Limestone Rd, Wilmington, DE 19808
12 Month Certificate
$0
1.00% ▼ 1.70% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.70%▼ 1.70% below avgNationally 2.99%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2035 Limestone Rd, Wilmington, DE 19808
12 Month TD Choice CD
$250
1.00% ▼ 1.70% below Delaware avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.70%▼ 1.70% below avgNationally 2.99%
Details

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

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
12 Month Certificate
$0
1.00% ▼ 1.70% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.70%▼ 1.70% below avgNationally 2.99%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 13, 2026

Delaware 18 Month CD Rates

MonitorBankRates Delaware Average · 18 Month CD2.76% APY▲ 0.10% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Delaware is 2.76% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
18467 Coastal Hwy, Lewes, DE 19958
18-Month CD
$1,000
4.40% ▲ 1.64% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.76%▲ 1.64% above avgNationally 2.87%
Details

Our highest featured APY, locked in for longer.

Rate History
1 change since Sep 28, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 28, 2026: 4.30% APYOct 7, 2026: 4.40% APYSep 28, 2026Oct 13, 2026
  • Oct 7, 20264.40%▲ from 4.30%
  • Sep 28, 20264.30%first recorded
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
2000 Pennsylvania Ave Unit 101, Wilmington, DE 19806 2457
Certificate - 18 MONTH
$0
4.35% ▲ 1.59% above Delaware avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.76%▲ 1.59% above avgNationally 2.87%
Details

Penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 14, 2026: 4.00% APYOct 5, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.35%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
502 E Market St, Greenwood, DE 19950
18 Month 360 CDs
$0
4.30% ▲ 1.54% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.76%▲ 1.54% above avgNationally 2.87%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
18 Month TD Choice CD (Promotional)
$250
4.25% ▲ 1.49% above Delaware avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.76%▲ 1.49% above avgNationally 2.87%
Details

Same rate all balance tiers

Rate History
No change since Oct 11, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 11, 2026: 4.25% APYOct 11, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
18 Month TD Choice CD (Non-Promotional)
$250
4.24% ▲ 1.48% above Delaware avg
View
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.76%▲ 1.48% above avgNationally 2.87%
Details

Rate History
No change since Oct 11, 2026 · 4.24% APY
3.74%4.24%4.74%Oct 11, 2026: 4.24% APYOct 11, 2026Oct 13, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
300 Foulk Rd, Wilmington, DE 19803
18 Month Regular Certificates
$1,000
4.07% ▲ 1.31% above Delaware avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.76%▲ 1.31% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 13, 2026
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
824 N Market St, Wilmington, DE 19801
18-Month CD
$500
4.00% ▲ 1.24% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.76%▲ 1.24% above avgNationally 2.87%
Details

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

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 13, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1 Clark St, Harrington, DE 19952
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 1.09% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.76%▲ 1.09% above avgNationally 2.87%
Details

Requires a qualifying checking account.

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1 Clark St, Harrington, DE 19952
18-Month M&T Select CD
$0
3.85% ▲ 1.09% above Delaware avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.76%▲ 1.09% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
3301 Philadelphia Pike, Claymont, DE 19703
18 Month IRA Certificate
$500
3.82% ▲ 1.06% above Delaware avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.76%▲ 1.06% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 13, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
18 Month Share Certificates
$0
3.67% ▲ 0.91% above Delaware avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.76%▲ 0.91% above avgNationally 2.87%
Details

Share Certificates - $500 Minimum; Effective September 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.41% → 3.67% ▲ 0.26 pts · high 3.67% / low 3.41%
2.91%3.54%4.17%Sep 14, 2026: 3.41% APYOct 13, 2026: 3.67% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.67%▲ from 3.41%
  • Sep 14, 20263.41%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
502 E Market St, Greenwood, DE 19950
18 Month Certificate
$0
3.60% ▲ 0.84% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.76%▲ 0.84% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
1000 N West St, Wilmington, DE 19801
18 Month Certificate
$0
3.50% ▲ 0.74% above Delaware avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.76%▲ 0.74% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
Concord Gallery Shopping Center, Wilmington, DE 19803
18 Month Regular / IRA
$500
3.50% ▲ 0.74% above Delaware avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.76%▲ 0.74% above avgNationally 2.87%
Details

Regular / IRA

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 13, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
18 Month Jumbo IRA Share Certificates
$25,000
3.46% ▲ 0.70% above Delaware avg
View
▼
Rate3.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.76%▲ 0.70% above avgNationally 2.87%
Details

IRA share certificate; $25,000 minimum

Rate History
No change since Sep 25, 2026 · 3.46% APY · checked 3 times
2.96%3.46%3.96%Sep 25, 2026: 3.46% APYSep 25, 2026Oct 13, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
18 Month Jumbo Share Certificates
$25,000
3.46% ▲ 0.70% above Delaware avg
View
▼
Rate3.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.76%▲ 0.70% above avgNationally 2.87%
Details

$25,000 Minimum

Rate History
No change since Sep 25, 2026 · 3.46% APY · checked 3 times
2.96%3.46%3.96%Sep 25, 2026: 3.46% APYSep 25, 2026Oct 13, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
18 Month IRA Share Certificates
$500
3.41% ▲ 0.65% above Delaware avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.76%▲ 0.65% above avgNationally 2.87%
Details

$500; Effective September 1, 2026

Rate History
No change since Sep 14, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 14, 2026: 3.41% APYSep 14, 2026Oct 13, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
18 Month CD
$0
3.34% ▲ 0.58% above Delaware avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.76%▲ 0.58% above avgNationally 2.87%
Details

Rate History
3 changes since Sep 14, 2026 · 3.55% → 3.34% ▼ 0.21 pts · high 3.56% / low 3.34%
2.84%3.45%4.06%Sep 14, 2026: 3.55% APYSep 20, 2026: 3.46% APYSep 24, 2026: 3.56% APYOct 8, 2026: 3.34% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20263.34%▼ from 3.56%
  • Sep 24, 20263.56%▲ from 3.46%
  • Sep 20, 20263.46%▼ from 3.55%
  • Sep 14, 20263.55%first recorded
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
35742 Atlantic Avenue, Millville, DE 19967
Regular (CDs + IRAs) - 18 Months
$500
3.25% ▲ 0.49% above Delaware avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.76%▲ 0.49% above avgNationally 2.87%
Details

Rate History
No change since Sep 19, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 19, 2026: 3.25% APYSep 19, 2026Oct 13, 2026
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
19927 Shuttle Rd, Rehoboth Beach, DE 19971
18 Month Certificate of Deposit OR IRA
$500
3.20% ▲ 0.44% above Delaware avg
View
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.76%▲ 0.44% above avgNationally 2.87%
Details

Rate History
No change since Sep 7, 2026 · 3.20% APY · checked 7 times
2.70%3.20%3.70%Sep 7, 2026: 3.20% APYSep 7, 2026Oct 13, 2026
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6 LYNAM ST, WILMINGTON, DE 19804
18 mo Certificate
$1,000
3.19% ▲ 0.43% above Delaware avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.76%▲ 0.43% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 3.19% APY · checked 2 times
2.69%3.19%3.69%Oct 8, 2026: 3.19% APYOct 8, 2026Oct 13, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
125 S West St, Wilmington, DE 19801
18 Month Online CD
$0
3.00% ▲ 0.24% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.76%▲ 0.24% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
35742 Atlantic Avenue, Millville, DE 19967
18 Month Rising Rate CD
$500
3.00% ▲ 0.24% above Delaware avg
View
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.76%▲ 0.24% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
2961 Centerville Rd, Wilmington, DE 19808
18 Month Fixed Rate Certificate of Deposit (CDs)
$0
2.90% ▲ 0.14% above Delaware avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.76%▲ 0.14% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 2.90% APY · checked 5 times
2.40%2.90%3.40%Sep 24, 2026: 2.90% APYSep 24, 2026Oct 13, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
50 Atlantic Ave, Ocean View, DE 19970
IRA Fixed - 18 Months
$100
2.89% ▲ 0.13% above Delaware avg
View
▼
Rate2.85%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.76%▲ 0.13% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 2.89% APY · checked 3 times
2.39%2.89%3.39%Oct 7, 2026: 2.89% APYOct 7, 2026Oct 13, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
50 Atlantic Ave, Ocean View, DE 19970
18 Month Certificate
$1,000
2.73% ▼ 0.03% below Delaware avg
View
▼
Rate2.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.76%▼ 0.03% below avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 2.73% APY · checked 3 times
2.23%2.73%3.23%Oct 7, 2026: 2.73% APYOct 7, 2026Oct 13, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
7 Commerce St, Harrington, DE 19952
Fixed Rate of Return - 18 Month
$2,500
2.50% ▼ 0.26% below Delaware avg
View
▼
Rate2.47%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.76%▼ 0.26% below avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 13, 2026
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
36 Jerome Dr, Dover, DE 19901
18 Month Certificate
$500
2.00% ▼ 0.76% below Delaware avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.76%▼ 0.76% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2035 Limestone Rd, Wilmington, DE 19808
18 Month - Relationship
$0
1.00% ▼ 1.76% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.76%▼ 1.76% below avgNationally 2.87%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2035 Limestone Rd, Wilmington, DE 19808
18 Month Certificate
$0
1.00% ▼ 1.76% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.76%▼ 1.76% below avgNationally 2.87%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2035 Limestone Rd, Wilmington, DE 19808
18 Month TD Choice CD
$250
1.00% ▼ 1.76% below Delaware avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.76%▼ 1.76% below avgNationally 2.87%
Details

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

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
18 Month Certificate
$0
1.00% ▼ 1.76% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.76%▼ 1.76% below avgNationally 2.87%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
18 Month TD Choice CD
$250
1.00% ▼ 1.76% below Delaware avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.76%▼ 1.76% below avgNationally 2.87%
Details

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

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
21035 Dupont Blvd, Georgetown, DE 19947
18 Month Certificate
$0
0.95% ▼ 1.81% below Delaware avg
View
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.76%▼ 1.81% below avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 0.95% APY · checked 2 times
0.45%0.95%1.45%Oct 7, 2026: 0.95% APYOct 7, 2026Oct 13, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
16982 Kings Hwy, Lewes, DE 19958
18 Month Fixed Rate Time Deposit/IRA
$500
0.40% ▼ 2.36% below Delaware avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.76%▼ 2.36% below avgNationally 2.87%
Details

Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 11, 2026: 0.40% APYSep 11, 2026Oct 13, 2026
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
603 N Church St, Wilmington, DE 19801
Share Certificate - 18 Months
$100
0.15% ▼ 2.61% below Delaware avg
View
▼
Rate0.15%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.76%▼ 2.61% below avgNationally 2.87%
Details

Compounded: Monthly

Rate History
No change since Oct 13, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 13, 2026: 0.15% APYOct 13, 2026Oct 13, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2200 Concord Pike, Wilmington, DE 19803
18 Month Certificate of Deposit
$1,000
0.05% ▼ 2.71% below Delaware avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.76%▼ 2.71% below avgNationally 2.87%
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 13, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2200 Concord Pike, Wilmington, DE 19803
18 Month Jumbo Certificate of Deposit
$95,000
0.05% ▼ 2.71% below Delaware avg
View
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.76%▼ 2.71% below avgNationally 2.87%
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 Delaware Ave, Wilmington, DE 19801
18 Month Certificate of Deposit
$0
0.03% ▼ 2.73% below Delaware avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.76%▼ 2.73% below avgNationally 2.87%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 Delaware Ave, Wilmington, DE 19801
18 Month Certificate of Deposit
$0
0.02% ▼ 2.74% below Delaware avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.76%▼ 2.74% below avgNationally 2.87%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 Delaware Ave, Wilmington, DE 19801
18 Month Certificate of Deposit
$0
0.01% ▼ 2.75% below Delaware avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.76%▼ 2.75% below avgNationally 2.87%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 13, 2026

Delaware 24 Month CD Rates

MonitorBankRates Delaware Average · 24 Month CD2.47% APY▲ 0.10% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Delaware is 2.47% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Delaware Ave Ste 1401, Wilmington, DE 19801
24 Month CD
$1,000
4.45% ▲ 1.98% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.47%▲ 1.98% above avgNationally 2.88%
Details

Rate History
1 change since Sep 28, 2026 · 4.40% → 4.45% ▲ 0.05 pts · high 4.45% / low 4.40%
3.90%4.43%4.95%Sep 28, 2026: 4.40% APYOct 12, 2026: 4.45% APYSep 28, 2026Oct 13, 2026
  • Oct 12, 20264.45%▲ from 4.40%
  • Sep 28, 20264.40%first recorded
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Delaware Ave Ste 1401, Wilmington, DE 19801
24 Month New Money CD
$1,000
4.45% ▲ 1.98% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.47%▲ 1.98% above avgNationally 2.88%
Details

Exclusively for Premier clients. New Money is defined as deposits and investments not previously held by any member of the HSBC Group in the U.S. New Money is determined at HSBC's discretion.

Rate History
No change since Oct 3, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 3, 2026: 4.45% APYOct 3, 2026Oct 13, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Delaware Ave Ste 1401, Wilmington, DE 19801
24 Month CD
$1,000
4.40% ▲ 1.93% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.47%▲ 1.93% above avgNationally 2.88%
Details

Only available to existing Premier customers.

Rate History
No change since Sep 28, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 28, 2026: 4.40% APYSep 28, 2026Oct 13, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Delaware Ave Ste 1401, Wilmington, DE 19801
24 Month Online CD
$1,000
4.40% ▲ 1.93% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.47%▲ 1.93% above avgNationally 2.88%
Details

Minimum balance to open and obtain APY is $1000. A penalty may be imposed for early withdrawal.

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 13, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
125 S West St, Wilmington, DE 19801
24 Month Online CD
$0
4.35% ▲ 1.88% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.47%▲ 1.88% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
502 E Market St, Greenwood, DE 19950
24 Month 360 CDs
$0
4.30% ▲ 1.83% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.47%▲ 1.83% above avgNationally 2.88%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
24 Month TD Choice CD (Promotional)
$250
4.30% ▲ 1.83% above Delaware avg
View
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.47%▲ 1.83% above avgNationally 2.88%
Details

Same rate all balance tiers

Rate History
No change since Oct 11, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 11, 2026: 4.30% APYOct 11, 2026Oct 13, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
2000 Pennsylvania Ave Unit 101, Wilmington, DE 19806 2457
Certificate - 24 MONTH
$0
4.30% ▲ 1.83% above Delaware avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.47%▲ 1.83% above avgNationally 2.88%
Details

Penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.30% ▲ 0.70 pts · high 4.30% / low 3.60%
2.90%3.95%5.00%Sep 14, 2026: 3.60% APYOct 5, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.30%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
24 Month TD Choice CD (Non-Promotional)
$250
4.29% ▲ 1.82% above Delaware avg
View
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.47%▲ 1.82% above avgNationally 2.88%
Details

Rate History
No change since Oct 11, 2026 · 4.29% APY
3.79%4.29%4.79%Oct 11, 2026: 4.29% APYOct 11, 2026Oct 13, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
24 Month Share Certificate (Jumbo)
$25,000
4.00% ▲ 1.53% above Delaware avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.47%▲ 1.53% above avgNationally 2.88%
Details

Rates effective October 5, 2026

Rate History
1 change since Sep 14, 2026 · 1.76% → 4.00% ▲ 2.24 pts · high 4.00% / low 1.76%
0.00%3.12%6.24%Sep 14, 2026: 1.76% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 1.76%
  • Sep 14, 20261.76%first recorded
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
3301 Philadelphia Pike, Claymont, DE 19703
24 Month IRA Certificate
$500
3.92% ▲ 1.45% above Delaware avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.47%▲ 1.45% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 8, 2026: 3.92% APYOct 8, 2026Oct 13, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
300 Foulk Rd, Wilmington, DE 19803
24 Month Regular Certificates
$1,000
3.56% ▲ 1.09% above Delaware avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.47%▲ 1.09% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 8, 2026: 3.56% APYOct 8, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
502 E Market St, Greenwood, DE 19950
24 Month Certificate
$0
3.50% ▲ 1.03% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.47%▲ 1.03% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
1000 N West St, Wilmington, DE 19801
24 Month Certificate
$0
3.50% ▲ 1.03% above Delaware avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.47%▲ 1.03% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
35742 Atlantic Avenue, Millville, DE 19967
Regular (CDs + IRAs) - 24 Months
$500
3.50% ▲ 1.03% above Delaware avg
View
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.47%▲ 1.03% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 19, 2026: 3.50% APYSep 19, 2026Oct 13, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
24 Month CD
$0
3.43% ▲ 0.96% above Delaware avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.47%▲ 0.96% above avgNationally 2.88%
Details

Rate History
3 changes since Sep 14, 2026 · 3.62% → 3.43% ▼ 0.19 pts · high 3.62% / low 3.43%
2.93%3.53%4.12%Sep 14, 2026: 3.62% APYSep 20, 2026: 3.54% APYSep 24, 2026: 3.62% APYOct 8, 2026: 3.43% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20263.43%▼ from 3.62%
  • Sep 24, 20263.62%▲ from 3.54%
  • Sep 20, 20263.54%▼ from 3.62%
  • Sep 14, 20263.62%first recorded
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
24 Month Share Certificates
$0
3.41% ▲ 0.94% above Delaware avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.47%▲ 0.94% above avgNationally 2.88%
Details

Share Certificates - $500 Minimum; Effective September 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.41% ▲ 0.26 pts · high 3.41% / low 3.15%
2.65%3.28%3.91%Sep 14, 2026: 3.15% APYOct 13, 2026: 3.41% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.41%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
Concord Gallery Shopping Center, Wilmington, DE 19803
24 Month Regular / IRA
$500
3.40% ▲ 0.93% above Delaware avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.47%▲ 0.93% above avgNationally 2.88%
Details

Regular / IRA

Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 12, 2026: 3.40% APYSep 12, 2026Oct 13, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
24 Month IRA Share Certificate
$500
3.29% ▲ 0.82% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.47%▲ 0.82% above avgNationally 2.88%
Details

Rates effective October 5, 2026

Rate History
1 change since Sep 14, 2026 · 1.76% → 3.29% ▲ 1.53 pts · high 3.29% / low 1.76%
0.23%2.53%4.82%Sep 14, 2026: 1.76% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.29%▲ from 1.76%
  • Sep 14, 20261.76%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
24 Month Share Certificate
$500
3.29% ▲ 0.82% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.47%▲ 0.82% above avgNationally 2.88%
Details

Rates effective October 5, 2026

Rate History
1 change since Sep 14, 2026 · 1.66% → 3.29% ▲ 1.63 pts · high 3.29% / low 1.66%
0.03%2.47%4.92%Sep 14, 2026: 1.66% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.29%▲ from 1.66%
  • Sep 14, 20261.66%first recorded
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
35742 Atlantic Avenue, Millville, DE 19967
24 Month Rising Rate CD
$10,000
3.25% ▲ 0.78% above Delaware avg
View
▼
Rate3.21%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.47%▲ 0.78% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 13, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
24 Month Jumbo IRA Share Certificates
$25,000
3.20% ▲ 0.73% above Delaware avg
View
▼
Rate3.15%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.47%▲ 0.73% above avgNationally 2.88%
Details

IRA share certificate; $25,000 minimum

Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 25, 2026: 3.20% APYSep 25, 2026Oct 13, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
24 Month Jumbo Share Certificates
$25,000
3.20% ▲ 0.73% above Delaware avg
View
▼
Rate3.15%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.47%▲ 0.73% above avgNationally 2.88%
Details

$25,000 Minimum

Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 25, 2026: 3.20% APYSep 25, 2026Oct 13, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
700 N Bedford St, Georgetown, DE 19947
24 Month IRA Share Certificates
$500
3.15% ▲ 0.68% above Delaware avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.47%▲ 0.68% above avgNationally 2.88%
Details

$500; Effective September 1, 2026

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
7 W Glenwood Ave, Smyrna, DE 19977
2 Year Online CD
$0
3.00% ▲ 0.53% above Delaware avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.47%▲ 0.53% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
1110 Elkton Rd, Newark, DE 19711
Share Certificate (24-Month)
$0
2.86% ▲ 0.39% above Delaware avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.47%▲ 0.39% above avgNationally 2.88%
Details

Share Certificates ($1,000 Minimum Balance); Minimum Balance for Dividends: $1,000; Effective 6/1/2026

Rate History
No change since Sep 21, 2026 · 2.86% APY · checked 6 times
2.36%2.86%3.36%Sep 21, 2026: 2.86% APYSep 21, 2026Oct 13, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
50 Atlantic Ave, Ocean View, DE 19970
IRA Fixed - 24 Months
$100
2.84% ▲ 0.37% above Delaware avg
View
▼
Rate2.80%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.47%▲ 0.37% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 2.84% APY · checked 3 times
2.34%2.84%3.34%Oct 7, 2026: 2.84% APYOct 7, 2026Oct 13, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
50 Atlantic Ave, Ocean View, DE 19970
24 Month Certificate
$1,000
2.68% ▲ 0.21% above Delaware avg
View
▼
Rate2.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.47%▲ 0.21% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 2.68% APY · checked 3 times
2.18%2.68%3.18%Oct 7, 2026: 2.68% APYOct 7, 2026Oct 13, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
2961 Centerville Rd, Wilmington, DE 19808
24 Month Fixed Rate Certificate of Deposit (CDs)
$0
2.50% ▲ 0.03% above Delaware avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.47%▲ 0.03% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 13, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
643 N DuPont Blvd, Milford, DE 19963 1098
2 Year Business Share Certificates
$500
2.50% ▲ 0.03% above Delaware avg
View
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.47%▲ 0.03% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 13, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
643 N DuPont Blvd, Milford, DE 19963 1098
2 Year Share & IRA Certificates
$500
2.50% ▲ 0.03% above Delaware avg
View
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.47%▲ 0.03% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 13, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
7 Commerce St, Harrington, DE 19952
Fixed Rate of Return - 24 Month
$2,500
1.50% ▼ 0.97% below Delaware avg
View
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.47%▼ 0.97% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Churchmans Rd, New Castle, DE 19720
IRA Certificates - 24 Months
$500
1.06% ▼ 1.41% below Delaware avg
View
▼
Rate1.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.47%▼ 1.41% below avgNationally 2.88%
Details

IRA Certificates; $500 minimum

Rate History
No change since Sep 14, 2026 · 1.06% APY · checked 5 times
0.56%1.06%1.56%Sep 14, 2026: 1.06% APYSep 14, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2035 Limestone Rd, Wilmington, DE 19808
24 Month Certificate
$0
1.00% ▼ 1.47% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.47%▼ 1.47% below avgNationally 2.88%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2035 Limestone Rd, Wilmington, DE 19808
24 Month TD Choice CD
$250
1.00% ▼ 1.47% below Delaware avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.47%▼ 1.47% below avgNationally 2.88%
Details

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

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
24 Month Certificate
$0
1.00% ▼ 1.47% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.47%▼ 1.47% below avgNationally 2.88%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
24 Month TD Choice CD
$250
1.00% ▼ 1.47% below Delaware avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.47%▼ 1.47% below avgNationally 2.88%
Details

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

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
21035 Dupont Blvd, Georgetown, DE 19947
24 Month Certificate
$0
0.95% ▼ 1.52% below Delaware avg
View
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.47%▼ 1.52% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 0.95% APY · checked 2 times
0.45%0.95%1.45%Oct 7, 2026: 0.95% APYOct 7, 2026Oct 13, 2026
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6 LYNAM ST, WILMINGTON, DE 19804
24 mo Certificate
$1,000
0.55% ▼ 1.92% below Delaware avg
View
▼
Rate0.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.47%▼ 1.92% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 0.55% APY · checked 2 times
0.05%0.55%1.05%Oct 8, 2026: 0.55% APYOct 8, 2026Oct 13, 2026
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Churchmans Rd, New Castle, DE 19720
Regular Certificates - 24 Months
$500
0.50% ▼ 1.97% below Delaware avg
View
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.47%▼ 1.97% below avgNationally 2.88%
Details

Regular Certificates; $500 minimum

Rate History
No change since Oct 13, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 13, 2026: 0.50% APYOct 13, 2026Oct 13, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
16982 Kings Hwy, Lewes, DE 19958
24 Month Fixed Rate Time Deposit/IRA
$500
0.40% ▼ 2.07% below Delaware avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.47%▼ 2.07% below avgNationally 2.88%
Details

Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 11, 2026: 0.40% APYSep 11, 2026Oct 13, 2026
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
814 W Basin Rd, New Castle, DE 19720
24 Month Share Certificate
$0
0.40% ▼ 2.07% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.47%▼ 2.07% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 7 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 13, 2026
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
814 W Basin Rd, New Castle, DE 19720
IRA Share Certificate 24 Month
$0
0.40% ▼ 2.07% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.47%▼ 2.07% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 13, 2026
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
603 N Church St, Wilmington, DE 19801
Share Certificate - 24 Months
$100
0.20% ▼ 2.27% below Delaware avg
View
▼
Rate0.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.47%▼ 2.27% below avgNationally 2.88%
Details

Compounded: Monthly

Rate History
No change since Oct 13, 2026 · 0.20% APY
0.00%0.35%0.70%Oct 13, 2026: 0.20% APYOct 13, 2026Oct 13, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2200 Concord Pike, Wilmington, DE 19803
24 Month Certificate of Deposit
$1,000
0.05% ▼ 2.42% below Delaware avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.47%▼ 2.42% below avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 13, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2200 Concord Pike, Wilmington, DE 19803
24 Month Jumbo Certificate of Deposit
$95,000
0.05% ▼ 2.42% below Delaware avg
View
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.47%▼ 2.42% below avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 Delaware Ave, Wilmington, DE 19801
24 Month Certificate of Deposit
$0
0.03% ▼ 2.44% below Delaware avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.47%▼ 2.44% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 Delaware Ave, Wilmington, DE 19801
24 Month Certificate of Deposit
$0
0.02% ▼ 2.45% below Delaware avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.47%▼ 2.45% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 Delaware Ave, Wilmington, DE 19801
24 Month Certificate of Deposit
$0
0.01% ▼ 2.46% below Delaware avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.47%▼ 2.46% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 13, 2026

Delaware 36 Month CD Rates

MonitorBankRates Delaware Average · 36 Month CD2.21% APY▲ 0.06% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Delaware is 2.21% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
502 E Market St, Greenwood, DE 19950
36 Month 360 CDs
$0
4.30% ▲ 2.09% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.21%▲ 2.09% above avgNationally 2.81%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
3301 Philadelphia Pike, Claymont, DE 19703
36 Month IRA Certificate
$500
4.07% ▲ 1.86% above Delaware avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.21%▲ 1.86% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 13, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
36 Month Share Certificate (Jumbo)
$25,000
3.75% ▲ 1.54% above Delaware avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.21%▲ 1.54% above avgNationally 2.81%
Details

Rates effective October 5, 2026

Rate History
1 change since Sep 14, 2026 · 2.01% → 3.75% ▲ 1.74 pts · high 3.75% / low 2.01%
0.27%2.88%5.49%Sep 14, 2026: 2.01% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.75%▲ from 2.01%
  • Sep 14, 20262.01%first recorded
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
36 Month CD
$0
3.58% ▲ 1.37% above Delaware avg
View
▼
Rate3.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.21%▲ 1.37% above avgNationally 2.81%
Details

Rate History
3 changes since Sep 14, 2026 · 3.71% → 3.58% ▼ 0.13 pts · high 3.71% / low 3.58%
3.08%3.65%4.21%Sep 14, 2026: 3.71% APYSep 20, 2026: 3.67% APYSep 24, 2026: 3.71% APYOct 8, 2026: 3.58% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20263.58%▼ from 3.71%
  • Sep 24, 20263.71%▲ from 3.67%
  • Sep 20, 20263.67%▼ from 3.71%
  • Sep 14, 20263.71%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
502 E Market St, Greenwood, DE 19950
36 Month Certificate
$0
3.50% ▲ 1.29% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.21%▲ 1.29% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
1000 N West St, Wilmington, DE 19801
36 Month Certificate
$0
3.50% ▲ 1.29% above Delaware avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.21%▲ 1.29% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
35742 Atlantic Avenue, Millville, DE 19967
Regular (CDs + IRAs) - 36 Months
$500
3.50% ▲ 1.29% above Delaware avg
View
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.21%▲ 1.29% above avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 19, 2026: 3.50% APYSep 19, 2026Oct 13, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
300 Foulk Rd, Wilmington, DE 19803
36 Month Regular Certificates
$1,000
3.45% ▲ 1.24% above Delaware avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.21%▲ 1.24% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 8, 2026: 3.45% APYOct 8, 2026Oct 13, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
Concord Gallery Shopping Center, Wilmington, DE 19803
36 Month Regular / IRA
$500
3.40% ▲ 1.19% above Delaware avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.21%▲ 1.19% above avgNationally 2.81%
Details

Regular / IRA

Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 12, 2026: 3.40% APYSep 12, 2026Oct 13, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
2000 Pennsylvania Ave Unit 101, Wilmington, DE 19806 2457
Certificate - 36 MONTH
$0
3.40% ▲ 1.19% above Delaware avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.21%▲ 1.19% above avgNationally 2.81%
Details

Penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
36 Month IRA Share Certificate
$500
3.29% ▲ 1.08% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.21%▲ 1.08% above avgNationally 2.81%
Details

Rates effective October 5, 2026

Rate History
1 change since Sep 14, 2026 · 2.01% → 3.29% ▲ 1.28 pts · high 3.29% / low 2.01%
0.73%2.65%4.57%Sep 14, 2026: 2.01% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.29%▲ from 2.01%
  • Sep 14, 20262.01%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
36 Month Share Certificate
$500
3.29% ▲ 1.08% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.21%▲ 1.08% above avgNationally 2.81%
Details

Rates effective October 5, 2026

Rate History
1 change since Sep 14, 2026 · 1.91% → 3.29% ▲ 1.38 pts · high 3.29% / low 1.91%
0.53%2.60%4.67%Sep 14, 2026: 1.91% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.29%▲ from 1.91%
  • Sep 14, 20261.91%first recorded
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
21035 Dupont Blvd, Georgetown, DE 19947
36-Month Bump Up Certificate of Deposit Promo
$0
3.20% ▲ 0.99% above Delaware avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.21%▲ 0.99% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 7, 2026: 3.20% APYOct 7, 2026Oct 13, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
1110 Elkton Rd, Newark, DE 19711
Share Certificate (36-Month)
$0
3.06% ▲ 0.85% above Delaware avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.21%▲ 0.85% above avgNationally 2.81%
Details

Share Certificates ($1,000 Minimum Balance); Minimum Balance for Dividends: $1,000; Effective 6/1/2026

Rate History
No change since Sep 21, 2026 · 3.06% APY · checked 6 times
2.56%3.06%3.56%Sep 21, 2026: 3.06% APYSep 21, 2026Oct 13, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
7 W Glenwood Ave, Smyrna, DE 19977
3 Year Online CD
$0
2.75% ▲ 0.54% above Delaware avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.21%▲ 0.54% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 13, 2026
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
140 Aerenson Dr, Milford, DE 19963
36 Month Regular And IRA Share Certificates
$500
2.52% ▲ 0.31% above Delaware avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.21%▲ 0.31% above avgNationally 2.81%
Details

Dividends compounded and paid monthly; Penalties apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 8 times
2.02%2.52%3.02%Sep 14, 2026: 2.52% APYSep 14, 2026Oct 13, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
125 S West St, Wilmington, DE 19801
36 Month Online CD
$0
2.50% ▲ 0.29% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.21%▲ 0.29% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 13, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
643 N DuPont Blvd, Milford, DE 19963 1098
3 Year Business Share Certificates
$500
2.25% ▲ 0.04% above Delaware avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.21%▲ 0.04% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 4 times
1.75%2.25%2.75%Sep 18, 2026: 2.25% APYSep 18, 2026Oct 13, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
643 N DuPont Blvd, Milford, DE 19963 1098
3 Year Share & IRA Certificates
$500
2.25% ▲ 0.04% above Delaware avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.21%▲ 0.04% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 4 times
1.75%2.25%2.75%Sep 18, 2026: 2.25% APYSep 18, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
3 Year TD Choice CD (Promotional)
$250
2.00% ▼ 0.21% below Delaware avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.21%▼ 0.21% below avgNationally 2.81%
Details

Same rate all balance tiers

Rate History
No change since Oct 11, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 11, 2026: 2.00% APYOct 11, 2026Oct 13, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
2961 Centerville Rd, Wilmington, DE 19808
36 Month Fixed Rate Certificate of Deposit (CDs)
$0
2.00% ▼ 0.21% below Delaware avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.21%▼ 0.21% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
3 Year TD Choice CD (Non-Promotional)
$250
1.99% ▼ 0.22% below Delaware avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.21%▼ 0.22% below avgNationally 2.81%
Details

Rate History
No change since Oct 11, 2026 · 1.99% APY
1.49%1.99%2.49%Oct 11, 2026: 1.99% APYOct 11, 2026Oct 13, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
21035 Dupont Blvd, Georgetown, DE 19947
36 Month Certificate
$0
1.01% ▼ 1.20% below Delaware avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.21%▼ 1.20% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 1.01% APY · checked 2 times
0.51%1.01%1.51%Oct 7, 2026: 1.01% APYOct 7, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2035 Limestone Rd, Wilmington, DE 19808
3 Year Certificate
$0
1.00% ▼ 1.21% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.21%▼ 1.21% below avgNationally 2.81%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2035 Limestone Rd, Wilmington, DE 19808
3 Year TD Choice CD
$250
1.00% ▼ 1.21% below Delaware avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.21%▼ 1.21% below avgNationally 2.81%
Details

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

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
7 Commerce St, Harrington, DE 19952
Fixed Rate of Return - 36 Month
$2,500
1.00% ▼ 1.21% below Delaware avg
View
▼
Rate1.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.21%▼ 1.21% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
3 Year Certificate
$0
1.00% ▼ 1.21% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.21%▼ 1.21% below avgNationally 2.81%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
3 Year TD Choice CD
$250
1.00% ▼ 1.21% below Delaware avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.21%▼ 1.21% below avgNationally 2.81%
Details

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

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6 LYNAM ST, WILMINGTON, DE 19804
36 mo Certificate
$1,000
0.65% ▼ 1.56% below Delaware avg
View
▼
Rate0.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.21%▼ 1.56% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 0.65% APY · checked 2 times
0.15%0.65%1.15%Oct 8, 2026: 0.65% APYOct 8, 2026Oct 13, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
16982 Kings Hwy, Lewes, DE 19958
36 Month Fixed Rate Time Deposit/IRA
$500
0.40% ▼ 1.81% below Delaware avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.21%▼ 1.81% below avgNationally 2.81%
Details

Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 11, 2026: 0.40% APYSep 11, 2026Oct 13, 2026
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
603 N Church St, Wilmington, DE 19801
Share Certificate - 36 Months
$100
0.25% ▼ 1.96% below Delaware avg
View
▼
Rate0.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.21%▼ 1.96% below avgNationally 2.81%
Details

Compounded: Monthly

Rate History
No change since Oct 13, 2026 · 0.25% APY
0.00%0.38%0.75%Oct 13, 2026: 0.25% APYOct 13, 2026Oct 13, 2026
edU Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.00%
113 W 6th St, Historic New Castle, DE 19720 5070
3 Year Share Certificates
$500
0.10% ▼ 2.11% below Delaware avg
View
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.21%▼ 2.11% below avgNationally 2.81%
Details

APY*: Annual Percentage Yield; no dividend paid for early withdrawal

Rate History
No change since Sep 12, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 12, 2026: 0.10% APYSep 12, 2026Oct 13, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2200 Concord Pike, Wilmington, DE 19803
36 Month Certificate of Deposit
$1,000
0.05% ▼ 2.16% below Delaware avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.21%▼ 2.16% below avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 13, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2200 Concord Pike, Wilmington, DE 19803
36 Month Jumbo Certificate of Deposit
$95,000
0.05% ▼ 2.16% below Delaware avg
View
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.21%▼ 2.16% below avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 Delaware Ave, Wilmington, DE 19801
36 Month Certificate of Deposit
$0
0.03% ▼ 2.18% below Delaware avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.21%▼ 2.18% below avgNationally 2.81%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 Delaware Ave, Wilmington, DE 19801
36 Month Certificate of Deposit
$0
0.02% ▼ 2.19% below Delaware avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.21%▼ 2.19% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 Delaware Ave, Wilmington, DE 19801
36 Month Certificate of Deposit
$0
0.01% ▼ 2.20% below Delaware avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.21%▼ 2.20% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 13, 2026

Delaware 48 Month CD Rates

MonitorBankRates Delaware Average · 48 Month CD2.37% APY▲ 0.13% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Delaware is 2.37% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6 LYNAM ST, WILMINGTON, DE 19804
48 mo Certificate
$1,000
4.32% ▲ 1.95% above Delaware avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.37%▲ 1.95% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 4.32% APY · checked 2 times
3.82%4.32%4.82%Oct 8, 2026: 4.32% APYOct 8, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
502 E Market St, Greenwood, DE 19950
48 Month 360 CDs
$0
4.30% ▲ 1.93% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.37%▲ 1.93% above avgNationally 2.80%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
3301 Philadelphia Pike, Claymont, DE 19703
48 Month IRA Certificate
$500
4.07% ▲ 1.70% above Delaware avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.37%▲ 1.70% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 13, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
48 Month Share Certificate (Jumbo)
$25,000
3.75% ▲ 1.38% above Delaware avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.37%▲ 1.38% above avgNationally 2.80%
Details

Rates effective October 5, 2026

Rate History
1 change since Sep 14, 2026 · 2.27% → 3.75% ▲ 1.48 pts · high 3.75% / low 2.27%
0.79%3.01%5.23%Sep 14, 2026: 2.27% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.75%▲ from 2.27%
  • Sep 14, 20262.27%first recorded
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
48 Month CD
$0
3.67% ▲ 1.30% above Delaware avg
View
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.37%▲ 1.30% above avgNationally 2.80%
Details

Rate History
3 changes since Sep 14, 2026 · 3.79% → 3.67% ▼ 0.12 pts · high 3.79% / low 3.67%
3.17%3.73%4.29%Sep 14, 2026: 3.79% APYSep 20, 2026: 3.71% APYSep 24, 2026: 3.74% APYOct 8, 2026: 3.67% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20263.67%▼ from 3.74%
  • Sep 24, 20263.74%▲ from 3.71%
  • Sep 20, 20263.71%▼ from 3.79%
  • Sep 14, 20263.79%first recorded
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
1000 N West St, Wilmington, DE 19801
48 Month Certificate
$0
3.60% ▲ 1.23% above Delaware avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.37%▲ 1.23% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
502 E Market St, Greenwood, DE 19950
48 Month Certificate
$0
3.50% ▲ 1.13% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.37%▲ 1.13% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
Concord Gallery Shopping Center, Wilmington, DE 19803
48 Month Regular / IRA
$500
3.40% ▲ 1.03% above Delaware avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.37%▲ 1.03% above avgNationally 2.80%
Details

Regular / IRA

Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 12, 2026: 3.40% APYSep 12, 2026Oct 13, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
2000 Pennsylvania Ave Unit 101, Wilmington, DE 19806 2457
Certificate - 48 MONTH
$0
3.40% ▲ 1.03% above Delaware avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.37%▲ 1.03% above avgNationally 2.80%
Details

Penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
300 Foulk Rd, Wilmington, DE 19803
48 Month Regular Certificates
$1,000
3.35% ▲ 0.98% above Delaware avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.37%▲ 0.98% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 8, 2026: 3.35% APYOct 8, 2026Oct 13, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
48 Month IRA Share Certificate
$500
3.29% ▲ 0.92% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.37%▲ 0.92% above avgNationally 2.80%
Details

Rates effective October 5, 2026

Rate History
1 change since Sep 14, 2026 · 2.27% → 3.29% ▲ 1.02 pts · high 3.29% / low 2.27%
1.25%2.78%4.31%Sep 14, 2026: 2.27% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.29%▲ from 2.27%
  • Sep 14, 20262.27%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
48 Month Share Certificate
$500
3.29% ▲ 0.92% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.37%▲ 0.92% above avgNationally 2.80%
Details

Rates effective October 5, 2026

Rate History
1 change since Sep 14, 2026 · 2.17% → 3.29% ▲ 1.12 pts · high 3.29% / low 2.17%
1.05%2.73%4.41%Sep 14, 2026: 2.17% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.29%▲ from 2.17%
  • Sep 14, 20262.17%first recorded
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
1110 Elkton Rd, Newark, DE 19711
Share Certificate (48-Month)
$0
3.11% ▲ 0.74% above Delaware avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.37%▲ 0.74% above avgNationally 2.80%
Details

Share Certificates ($1,000 Minimum Balance); Minimum Balance for Dividends: $1,000; Effective 6/1/2026

Rate History
No change since Sep 21, 2026 · 3.11% APY · checked 6 times
2.61%3.11%3.61%Sep 21, 2026: 3.11% APYSep 21, 2026Oct 13, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
7 W Glenwood Ave, Smyrna, DE 19977
4 Year Online CD
$0
2.75% ▲ 0.38% above Delaware avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.37%▲ 0.38% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 13, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
35742 Atlantic Avenue, Millville, DE 19967
Regular (CDs + IRAs) - 48 Months
$500
2.75% ▲ 0.38% above Delaware avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.37%▲ 0.38% above avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 19, 2026: 2.75% APYSep 19, 2026Oct 13, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
125 S West St, Wilmington, DE 19801
48 Month Online CD
$0
2.50% ▲ 0.13% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.37%▲ 0.13% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 13, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
643 N DuPont Blvd, Milford, DE 19963 1098
4 Year Business Share Certificates
$500
2.25% ▼ 0.12% below Delaware avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.37%▼ 0.12% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 4 times
1.75%2.25%2.75%Sep 18, 2026: 2.25% APYSep 18, 2026Oct 13, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
643 N DuPont Blvd, Milford, DE 19963 1098
4 Year Share & IRA Certificates
$500
2.25% ▼ 0.12% below Delaware avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.37%▼ 0.12% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 4 times
1.75%2.25%2.75%Sep 18, 2026: 2.25% APYSep 18, 2026Oct 13, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
2961 Centerville Rd, Wilmington, DE 19808
48 Month Fixed Rate Certificate of Deposit (CDs)
$0
2.00% ▼ 0.37% below Delaware avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.37%▼ 0.37% below avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Oct 13, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
21035 Dupont Blvd, Georgetown, DE 19947
48 Month Certificate
$0
1.01% ▼ 1.36% below Delaware avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.37%▼ 1.36% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 1.01% APY · checked 2 times
0.51%1.01%1.51%Oct 7, 2026: 1.01% APYOct 7, 2026Oct 13, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
7 Commerce St, Harrington, DE 19952
Fixed Rate of Return - 48 Month
$2,500
0.75% ▼ 1.62% below Delaware avg
View
▼
Rate0.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.37%▼ 1.62% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 7, 2026: 0.75% APYOct 7, 2026Oct 13, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
16982 Kings Hwy, Lewes, DE 19958
48 Month Fixed Rate Time Deposit/IRA
$500
0.40% ▼ 1.97% below Delaware avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.37%▼ 1.97% below avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 11, 2026: 0.40% APYSep 11, 2026Oct 13, 2026
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
603 N Church St, Wilmington, DE 19801
Share Certificate - 48 Months
$100
0.30% ▼ 2.07% below Delaware avg
View
▼
Rate0.30%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.37%▼ 2.07% below avgNationally 2.80%
Details

Compounded: Monthly

Rate History
No change since Oct 13, 2026 · 0.30% APY
0.00%0.40%0.80%Oct 13, 2026: 0.30% APYOct 13, 2026Oct 13, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2200 Concord Pike, Wilmington, DE 19803
48 Month Certificate of Deposit
$1,000
0.05% ▼ 2.32% below Delaware avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.37%▼ 2.32% below avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 13, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2200 Concord Pike, Wilmington, DE 19803
48 Month Jumbo Certificate of Deposit
$95,000
0.05% ▼ 2.32% below Delaware avg
View
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.37%▼ 2.32% below avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 Delaware Ave, Wilmington, DE 19801
48 Month Certificate of Deposit
$0
0.03% ▼ 2.34% below Delaware avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.37%▼ 2.34% below avgNationally 2.80%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 Delaware Ave, Wilmington, DE 19801
48 Month Certificate of Deposit
$0
0.02% ▼ 2.35% below Delaware avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.37%▼ 2.35% below avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 Delaware Ave, Wilmington, DE 19801
48 Month Certificate of Deposit
$0
0.01% ▼ 2.36% below Delaware avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.37%▼ 2.36% below avgNationally 2.80%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 13, 2026

Delaware 60 Month CD Rates

MonitorBankRates Delaware Average · 60 Month CD2.13% APY▲ 0.06% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Delaware is 2.13% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
502 E Market St, Greenwood, DE 19950
60 Month 360 CDs
$0
4.30% ▲ 2.17% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.13%▲ 2.17% above avgNationally 2.90%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Barclays Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
125 S West St, Wilmington, DE 19801
60 Month Online CD
$0
4.25% ▲ 2.12% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.13%▲ 2.12% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
3301 Philadelphia Pike, Claymont, DE 19703
60 Month IRA Certificate
$500
4.07% ▲ 1.94% above Delaware avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.13%▲ 1.94% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 13, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
60 Month Share Certificate (Jumbo)
$25,000
3.75% ▲ 1.62% above Delaware avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.13%▲ 1.62% above avgNationally 2.90%
Details

Rates effective October 5, 2026

Rate History
1 change since Sep 14, 2026 · 2.52% → 3.75% ▲ 1.23 pts · high 3.75% / low 2.52%
1.29%3.14%4.98%Sep 14, 2026: 2.52% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.75%▲ from 2.52%
  • Sep 14, 20262.52%first recorded
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
28660 Dupont Blvd, Millsboro, DE 19966
60 Month CD
$0
3.70% ▲ 1.57% above Delaware avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.13%▲ 1.57% above avgNationally 2.90%
Details

Rate History
3 changes since Sep 14, 2026 · 3.83% → 3.70% ▼ 0.13 pts · high 3.83% / low 3.70%
3.20%3.77%4.33%Sep 14, 2026: 3.83% APYSep 20, 2026: 3.74% APYSep 24, 2026: 3.73% APYOct 8, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20263.70%▼ from 3.73%
  • Sep 24, 20263.73%▼ from 3.74%
  • Sep 20, 20263.74%▼ from 3.83%
  • Sep 14, 20263.83%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
502 E Market St, Greenwood, DE 19950
5-year online CDs
$0
3.60% ▲ 1.47% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.13%▲ 1.47% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
502 E Market St, Greenwood, DE 19950
60 Month Certificate
$0
3.60% ▲ 1.47% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.13%▲ 1.47% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
Concord Gallery Shopping Center, Wilmington, DE 19803
60 Month Regular / IRA
$500
3.40% ▲ 1.27% above Delaware avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.13%▲ 1.27% above avgNationally 2.90%
Details

Regular / IRA

Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 12, 2026: 3.40% APYSep 12, 2026Oct 13, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
2000 Pennsylvania Ave Unit 101, Wilmington, DE 19806 2457
Certificate - 60 MONTH
$0
3.40% ▲ 1.27% above Delaware avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.13%▲ 1.27% above avgNationally 2.90%
Details

Penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
300 Foulk Rd, Wilmington, DE 19803
60 Month Regular Certificates
$1,000
3.35% ▲ 1.22% above Delaware avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.13%▲ 1.22% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 8, 2026: 3.35% APYOct 8, 2026Oct 13, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
60 Month IRA Share Certificate
$500
3.29% ▲ 1.16% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.13%▲ 1.16% above avgNationally 2.90%
Details

Rates effective October 5, 2026

Rate History
1 change since Sep 14, 2026 · 2.52% → 3.29% ▲ 0.77 pts · high 3.29% / low 2.52%
1.75%2.91%4.06%Sep 14, 2026: 2.52% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.29%▲ from 2.52%
  • Sep 14, 20262.52%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
60 Month Share Certificate
$500
3.29% ▲ 1.16% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.13%▲ 1.16% above avgNationally 2.90%
Details

Rates effective October 5, 2026

Rate History
1 change since Sep 14, 2026 · 2.42% → 3.29% ▲ 0.87 pts · high 3.29% / low 2.42%
1.55%2.86%4.16%Sep 14, 2026: 2.42% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.29%▲ from 2.42%
  • Sep 14, 20262.42%first recorded
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
35742 Atlantic Avenue, Millville, DE 19967
Regular (CDs + IRAs) - 60 Months
$500
3.00% ▲ 0.87% above Delaware avg
View
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.13%▲ 0.87% above avgNationally 2.90%
Details

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Oct 13, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
7 W Glenwood Ave, Smyrna, DE 19977
5 Year Online CD
$0
2.75% ▲ 0.62% above Delaware avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.13%▲ 0.62% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 13, 2026
Shore United Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
120 W Main St, Felton, DE 19943
60 Month CD
$500
2.50% ▲ 0.37% above Delaware avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.13%▲ 0.37% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 13, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
35742 Atlantic Avenue, Millville, DE 19967
60 Month Rising Rate CD
$500
2.50% ▲ 0.37% above Delaware avg
View
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.13%▲ 0.37% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 13, 2026
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
36 Jerome Dr, Dover, DE 19901
60 Month Certificate
$500
2.50% ▲ 0.37% above Delaware avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.13%▲ 0.37% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
643 N DuPont Blvd, Milford, DE 19963 1098
5 Year Business Share Certificates
$500
2.25% ▲ 0.12% above Delaware avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.13%▲ 0.12% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 4 times
1.75%2.25%2.75%Sep 18, 2026: 2.25% APYSep 18, 2026Oct 13, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
643 N DuPont Blvd, Milford, DE 19963 1098
5 Year Share & IRA Certificates
$500
2.25% ▲ 0.12% above Delaware avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.13%▲ 0.12% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 4 times
1.75%2.25%2.75%Sep 18, 2026: 2.25% APYSep 18, 2026Oct 13, 2026
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
140 Aerenson Dr, Milford, DE 19963
60 Month Regular And IRA Share Certificates
$500
2.01% ▼ 0.12% below Delaware avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.13%▼ 0.12% below avgNationally 2.90%
Details

Dividends compounded and paid monthly; Penalties apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 2.01% APY · checked 8 times
1.51%2.01%2.51%Sep 14, 2026: 2.01% APYSep 14, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
5 Year TD Choice CD (Promotional)
$250
2.00% ▼ 0.13% below Delaware avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.13%▼ 0.13% below avgNationally 2.90%
Details

Same rate all balance tiers

Rate History
No change since Oct 11, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 11, 2026: 2.00% APYOct 11, 2026Oct 13, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
2961 Centerville Rd, Wilmington, DE 19808
60 Month Fixed Rate Certificate of Deposit (CDs)
$0
2.00% ▼ 0.13% below Delaware avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.13%▼ 0.13% below avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
5 Year TD Choice CD (Non-Promotional)
$250
1.99% ▼ 0.14% below Delaware avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.13%▼ 0.14% below avgNationally 2.90%
Details

Rate History
No change since Oct 11, 2026 · 1.99% APY
1.49%1.99%2.49%Oct 11, 2026: 1.99% APYOct 11, 2026Oct 13, 2026
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6 LYNAM ST, WILMINGTON, DE 19804
60 mo Certificate
$1,000
1.31% ▼ 0.82% below Delaware avg
View
▼
Rate1.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.13%▼ 0.82% below avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 1.31% APY · checked 2 times
0.81%1.31%1.81%Oct 8, 2026: 1.31% APYOct 8, 2026Oct 13, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
21035 Dupont Blvd, Georgetown, DE 19947
60 Month Certificate
$0
1.01% ▼ 1.12% below Delaware avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.13%▼ 1.12% below avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 1.01% APY · checked 2 times
0.51%1.01%1.51%Oct 7, 2026: 1.01% APYOct 7, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2035 Limestone Rd, Wilmington, DE 19808
5 Year Certificate
$0
1.00% ▼ 1.13% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.13%▼ 1.13% below avgNationally 2.90%
Details

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

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2035 Limestone Rd, Wilmington, DE 19808
5 Year TD Choice CD
$250
1.00% ▼ 1.13% below Delaware avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.13%▼ 1.13% below avgNationally 2.90%
Details

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

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
5 Year - Relationship
$0
1.00% ▼ 1.13% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.13%▼ 1.13% below avgNationally 2.90%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
5 Year Certificate
$0
1.00% ▼ 1.13% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.13%▼ 1.13% below avgNationally 2.90%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2035 Limestone Rd, Wilmington, DE 19808
5 Year TD Choice CD
$250
1.00% ▼ 1.13% below Delaware avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.13%▼ 1.13% below avgNationally 2.90%
Details

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

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
7 Commerce St, Harrington, DE 19952
Fixed Rate of Return - 60 Month
$2,500
0.75% ▼ 1.38% below Delaware avg
View
▼
Rate0.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.13%▼ 1.38% below avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 7, 2026: 0.75% APYOct 7, 2026Oct 13, 2026
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
814 W Basin Rd, New Castle, DE 19720
60 Month Share Certificate
$0
0.55% ▼ 1.58% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.13%▼ 1.58% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 7 times
0.05%0.55%1.05%Sep 14, 2026: 0.55% APYSep 14, 2026Oct 13, 2026
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
814 W Basin Rd, New Castle, DE 19720
IRA Share Certificate 60 Month
$0
0.55% ▼ 1.58% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.13%▼ 1.58% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 2 times
0.05%0.55%1.05%Sep 14, 2026: 0.55% APYSep 14, 2026Oct 13, 2026
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
19927 Shuttle Rd, Rehoboth Beach, DE 19971
60 Month Certificate of Deposit OR IRA
$500
0.40% ▼ 1.73% below Delaware avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.13%▼ 1.73% below avgNationally 2.90%
Details

Rate History
No change since Sep 7, 2026 · 0.40% APY · checked 7 times
0.00%0.45%0.90%Sep 7, 2026: 0.40% APYSep 7, 2026Oct 13, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
16982 Kings Hwy, Lewes, DE 19958
60 Month Fixed Rate Time Deposit/IRA
$500
0.40% ▼ 1.73% below Delaware avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.13%▼ 1.73% below avgNationally 2.90%
Details

Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 11, 2026: 0.40% APYSep 11, 2026Oct 13, 2026
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
603 N Church St, Wilmington, DE 19801
Share Certificate - 60 Months
$100
0.35% ▼ 1.78% below Delaware avg
View
▼
Rate0.35%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.13%▼ 1.78% below avgNationally 2.90%
Details

Compounded: Monthly

Rate History
No change since Oct 13, 2026 · 0.35% APY
0.00%0.43%0.85%Oct 13, 2026: 0.35% APYOct 13, 2026Oct 13, 2026
edU Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.00%
113 W 6th St, Historic New Castle, DE 19720 5070
5 Year Share Certificates
$500
0.15% ▼ 1.98% below Delaware avg
View
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.13%▼ 1.98% below avgNationally 2.90%
Details

APY*: Annual Percentage Yield; no dividend paid for early withdrawal

Rate History
No change since Sep 12, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 12, 2026: 0.15% APYSep 12, 2026Oct 13, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2200 Concord Pike, Wilmington, DE 19803
60 Month Certificate of Deposit
$1,000
0.05% ▼ 2.08% below Delaware avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.13%▼ 2.08% below avgNationally 2.90%
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 13, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2200 Concord Pike, Wilmington, DE 19803
60 Month Jumbo Certificate of Deposit
$95,000
0.05% ▼ 2.08% below Delaware avg
View
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.13%▼ 2.08% below avgNationally 2.90%
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 Delaware Ave, Wilmington, DE 19801
60 Month Certificate of Deposit
$0
0.03% ▼ 2.10% below Delaware avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.13%▼ 2.10% below avgNationally 2.90%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 Delaware Ave, Wilmington, DE 19801
60 Month Certificate of Deposit
$0
0.02% ▼ 2.11% below Delaware avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.13%▼ 2.11% below avgNationally 2.90%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
300 Delaware Ave, Wilmington, DE 19801
60 Month Certificate of Deposit
$0
0.01% ▼ 2.12% below Delaware avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Delaware Average2.13%▼ 2.12% below avgNationally 2.90%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 13, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Delaware Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Comenity Bank
1-year CD
B 4.6 ★ TX: 20.12%
Min: $1,500
4.45%
HSBC Trust Company (Delaware)
24 Month CD
A+ 5.0 ★ TX: 0.00%
Min: $1,000
4.45%
SFGI Direct
18-Month CD
A 5.0 ★ TX: 7.39%
Min: $1,000
4.40%
Barclays Bank
24 Month Online CD
A 5.0 ★ TX: 8.21%
Min: $0
4.35%
Capital One Bank
12 Month 360 CDs
A 5.0 ★ TX: 7.00%
Min: $0
4.30%
CU Top 5 Credit Union Rates
Franklin Mint Federal Credit Union
Certificate - 18 MONTH
A 5.0 ★ TX: 6.91%
Min: $0
4.35%
Priority Plus Federal Credit Union
48 mo Certificate
A+ 5.0 ★ TX: 2.14%
Min: $1,000
4.32%
Tidemark Federal Credit Union
12 Month Regular And IRA Share Certificates
A+ 5.0 ★ TX: 1.21%
Min: $500
4.10%
Eagle One Federal Credit Union
36 Month IRA Certificate
B+ 4.8 ★ TX: 17.62%
Min: $500
4.07%
Dexsta Federal Credit Union
18 Month Regular Certificates
A 5.0 ★ TX: 6.88%
Min: $1,000
4.07%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
Powered byMonitorBankRates

Delaware CD Rate Trends

Compare local Delaware CD rate quotes against the statewide average

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

View Full Delaware CD Trends
12-Month CD DE Avg
2.699%
▲ 0.120 vs 7 days ago

Delaware 12-month CD rates rose 0.120 points over the past 7 days to 2.699% APY.

6-Month CD DE Avg
2.561%
▲ 0.023 vs 7 days ago

Delaware 6-month CD rates rose 0.023 points over the past 7 days to 2.561% APY.

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

DE CD Rate Forecast, Next 12 Months

Where are Delaware CD rates headed through October 2027?

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

DE 12-Month Avg APY
2.699%
6-Month Forecast
2.699%
Range: 2.50%, 2.85%
12-Month Forecast
2.949%
Range: 2.75%, 3.10%

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

Spread model: The Delaware 12-month CD average currently trades 1.68% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

Powered by MonitorBankRates

What Your Savings Earn at DE CD Rates Today

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

CD Term DE Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.945% $97.27 $194.53 $486.33 $972.65
6-Month CD 2.561% $128.06 $256.11 $640.28 $1,280.55
12-Month CD 2.699% $134.96 $269.91 $674.78 $1,349.55
18-Month CD 2.765% $138.23 $276.47 $691.18 $1,382.35
24-Month CD 2.469% $123.44 $246.87 $617.18 $1,234.35
36-Month CD 2.207% $110.34 $220.68 $551.70 $1,103.40
48-Month CD 2.367% $118.35 $236.69 $591.73 $1,183.45
60-Month CD 2.126% $106.30 $212.59 $531.48 $1,062.95
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
Powered byMonitorBankRates

Sample CD Ladder for Delaware Savers

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

Build Your Ladder
Rung Term Deposit DE Avg APY Annual Earnings
1 3-Month CD $5,000 1.945% $97.27
2 6-Month CD $5,000 2.561% $128.06
3 12-Month CD $5,000 2.699% $134.96
4 24-Month CD $5,000 2.469% $123.44
5 36-Month CD $5,000 2.207% $110.34
Total ($25,000 invested) $25,000 2.376% blended $594.07/yr

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

Powered byMonitorBankRates
425
CD Rates
Tracked in Delaware
24 Banks 14 Credit Unions

About Our Delaware CD Rate Database

MonitorBankRates tracks 425 CD rates from 24 banks and 14 credit unions with locations in Delaware, plus national online institutions available to Delaware residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

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

Current top rate: Comenity Bank offers a CD at 4.45% APY with a minimum deposit of $1,500. Use the rate table above to compare all current offers in Delaware.

How to Find the Best CD Rates in Delaware

What to compare when shopping for a CD in Delaware

To find the best APYs in Delaware, start with credit unions and online-only banks: Delaware has 14 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 Delaware

  • 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 Delaware: 38 institutions here report CD rates

Consider an Alternative If…

  • You may need the funds within 30 days. Compare Delaware 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 Delaware money market rates

Delaware Financial Snapshot

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

Population 65+
20.6%
National avg: 17.3%
Median Individual Earnings
$46,287
National avg: $47,340
Poverty Rate
10.4%
National avg: 11.1%
Unemployment Rate
5.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$125/yr
At DE 12-mo avg 2.699% APY

20.6% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s DE 12-month CD average of 2.699%, saving 10% of the local median salary ($4,628/year) and putting it in a CD would earn an additional $125 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 Delaware

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

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

How Certificates of Deposit Work in Delaware

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 Delaware 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 Delaware as everywhere in the U.S.

Choosing a CD Term in Delaware

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Delaware 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, Capital One Bank is offering its 60 Month 360 CDs at 4.30% 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 Delaware 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 Delaware 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 Delaware

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 Delaware 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 Delaware

Most CDs carry a fixed rate that is locked for the entire term, protecting a Delaware 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 Delaware

Are CD rates in Delaware FDIC insured?

Yes, most established banks in Delaware 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 Delaware?

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 Delaware.

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 Delaware 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 Delaware?

Here are recent top rates found for this area:
  • Comenity Bank: 4.45% APY (1-year CD)
  • HSBC Trust Company (Delaware): 4.45% APY (24 Month CD)
  • SFGI Direct: 4.40% APY (18-Month CD)
  • Barclays Bank: 4.35% APY (24 Month Online CD)
  • Franklin Mint Federal Credit Union: 4.35% APY (Certificate - 18 MONTH)
  • Priority Plus Federal Credit Union: 4.32% APY (48 mo Certificate)
  • Capital One Bank: 4.30% APY (12 Month 360 CDs)
  • TD Bank USA, National Association: 4.30% APY (24 Month TD Choice CD (Promotional))
  • Tidemark Federal Credit Union: 4.10% APY (12 Month Regular And IRA Share Certificates)
  • Eagle One Federal Credit Union: 4.07% APY (36 Month IRA Certificate)
Rates reflect recent verified offers available in Delaware. Last Updated: October 13, 2026

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

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Delaware CD Rates by Term

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

CD Calculators for Delaware

Delaware CD Calculator

At today’s DE top rate of 4.45% APY, a $10,000 deposit earns $445 in the first year. Enter your amount to see your exact return.

Delaware CD Ladder

DE CD rates currently range from 1.945% (3-month) to 2.207% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Delaware CD at 4.45% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Delaware’s average 12-month CD is 2.699% 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 Delaware 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 Delaware 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 Delaware. 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 DE.

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

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

Delaware Rates & Resources

$
Delaware Mortgage Rates
$
Delaware Refinance Rates
$
Delaware Home Equity Loan Rates
$
Delaware Savings Rates
$
Delaware Money Market Rates
$
Delaware Checking Rates
$
Delaware Auto Loan Rates
$
Delaware Personal Loan Rates
$
Delaware Homeowners Insurance
$
Delaware Car Insurance

Cities in Delaware