Delaware Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Delaware CD rates include Priority Plus Federal Credit UnionPriority Plus Federal Credit Union6 LYNAM ST, WILMINGTON, DE 19804A+5.0 ★Texas Ratio: 2.56%Real return: +1.52%APY minus CPI (February 2026) offering 48 mo at 4.32% 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: +1.15%APY minus CPI (February 2026) offering 12 Month CD at 3.95% APY, M&T BankM&T Bank1 Clark St, Harrington, DE 19952A5.0 ★Texas Ratio: 11.17%Real return: +1.05%APY minus CPI (February 2026) offering 18-Month M&T Select CD at 3.85% APY, Farmers Bank of WillardsFarmers Bank of Willards28660 Dupont Blvd, Millsboro, DE 19966A+5.0 ★Texas Ratio: 2.11%Real return: +0.97%APY minus CPI (February 2026) offering 60 Months at 3.77% APY, and Cross River BankCross River Bank1000 N West St, Wilmington, DE 19801F1.0 ★Texas Ratio: 85.67%Real return: +0.95%APY minus CPI (February 2026) offering 3 Month at 3.75% APY. CD rates as of September 1, 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 4.32% APY from Priority Plus Federal Credit Union at 6 LYNAM ST, WILMINGTON, DE 19804. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 1, 2026
Compare Best CD Rates in Delaware
Delaware 3 Month CD Rates
MonitorBankRates National Average — 3 Month CD1.96% APY▲ 0.02% from last week
The national average 3-month CD rate is 1.96% APY as of September 2, 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
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
1000 N West St, Wilmington, DE 19801
3 Month
$0
3.75%
▲ 1.79% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details
Cecil County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
401 S New St, Dover, DE 19904 6715
3-Month Certificate Special
$500
3.55%
▲ 1.59% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details
New Money Minimum
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
Concord Gallery Shopping Center, Wilmington, DE 19803
3 Month Regular / IRA
$500
3.50%
▲ 1.54% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
7 Commerce St, Harrington, DE 19952
3 Month
$2,500
3.00%
▲ 1.04% above national avg
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
Details
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
19927 Shuttle Rd, Rehoboth Beach, DE 19971
90 Day Certificate of Deposit OR IRA
$500
2.40%
▲ 0.44% above national avg
▼
Rate2.38%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.44% above avg
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
35742 Atlantic Avenue, Millville, DE 19967
3 Months
$500
2.00%
▲ 0.04% above national avg
▼
Rate1.99%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.04% above avg
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2035 Limestone Rd, Wilmington, DE 19808
3 Month
$0
1.00%
▼ 0.96% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2035 Limestone Rd, Wilmington, DE 19808
3 Month TD Choice CD
$250
1.00%
▼ 0.96% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details
Relationship APY
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2035 Limestone Rd, Wilmington, DE 19808
3 Month TD Choice CD
$250
1.00%
▼ 0.96% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details
Non-Promotional APY
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2035 Limestone Rd, Wilmington, DE 19808
3 Month TD Choice Promotional CD
$250
1.00%
▼ 0.96% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details
Promotional APY
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
21035 Dupont Blvd, Georgetown, DE 19947
3-Month Certificate of Deposit
$0
0.70%
▼ 1.26% below national avg
▼
Rate0.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.26% below avg
Details
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
814 W Basin Rd, New Castle, DE 19720
3 Month Share Certificate
$0
0.20%
▼ 1.76% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.76% below avg
Details
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
16982 Kings Hwy, Lewes, DE 19958
90 Day Fixed Rate Time Deposit/IRAA
$500
0.10%
▼ 1.86% below national avg
▼
Rate0.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.86% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 W 10th St, Wilmington, DE 19801
3 month Standard Fixed Rate CD
$2,500
0.06%
▼ 1.90% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.90% below avg
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 W 10th St, Wilmington, DE 19801
3 month Standard Interest Rate
$2,500
0.06%
▼ 1.90% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.90% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 W 10th St, Wilmington, DE 19801
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.91% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.91% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 W 10th St, Wilmington, DE 19801
3 month Standard Interest Rate
$2,500
0.05%
▼ 1.91% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.91% below avg
Details
Relationship Interest Rate 0.06%
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2200 Concord Pike, Wilmington, DE 19803
Certificate of Deposit - 90 Day
$1,000
0.05%
▼ 1.91% below national avg
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.91% below avg
Details
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2200 Concord Pike, Wilmington, DE 19803
Jumbo Certificate of Deposit - 90 Day
$0
0.05%
▼ 1.91% below national avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.91% below avg
Details
Delaware 6 Month CD Rates
MonitorBankRates National Average — 6 Month CD2.67% APY▲ 0.03% from last week
The national average 6-month CD rate is 2.67% APY as of September 2, 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
6 Month CD
$1,000
3.80%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details
Minimum balance to open account online: $1,000. APYs are variable and subject to change after opening. Charges and fees may reduce earnings.
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
Concord Gallery Shopping Center, Wilmington, DE 19803
6 Month Regular / IRA
$500
3.70%
▲ 1.03% above national avg
▼
Rate3.63%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
Concord Gallery Shopping Center, Wilmington, DE 19803
6 Month Youth Certificate
$250
3.70%
▲ 1.03% above national avg
▼
Rate3.63%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
1000 N West St, Wilmington, DE 19801
6 Month
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
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
3.65%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
Minimum balance to open account online: $1,000. APYs are variable and subject to change after opening. Charges and fees may reduce earnings.
Dover Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 19.13%
643 N DuPont Blvd, Milford, DE 19963 1098
6-Month
$500
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
2961 Centerville Rd, Wilmington, DE 19808
Fixed Rate IRA 6 Months
$0
3.40%
▲ 0.73% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
28660 Dupont Blvd, Millsboro, DE 19966
6 Months
$0
3.28%
▲ 0.61% above national avg
▼
Rate3.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 0.61% above avg
Details
Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
28660 Dupont Blvd, Millsboro, DE 19966
6 Months
$0
3.18%
▲ 0.51% above national avg
▼
Rate3.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 0.51% above avg
Details
Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
28660 Dupont Blvd, Millsboro, DE 19966
6 Months
$0
3.07%
▲ 0.40% above national avg
▼
Rate3.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 0.40% above avg
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
7 Commerce St, Harrington, DE 19952
6 Month
$2,500
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
50 Atlantic Ave, Ocean View, DE 19970
Fixed - 6 Months
$100
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
35742 Atlantic Avenue, Millville, DE 19967
6 Months
$500
3.00%
▲ 0.33% above national avg
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Churchmans Rd, New Castle, DE 19720
6 Month
$0
1.36%
▼ 1.31% below national avg
▼
Rate1.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.31% below avg
Details
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
$0
1.36%
▼ 1.31% below national avg
▼
Rate1.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.31% below avg
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2035 Limestone Rd, Wilmington, DE 19808
6 Month TD Choice CD
$250
1.00%
▼ 1.67% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.67% below avg
Details
Relationship APY
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2035 Limestone Rd, Wilmington, DE 19808
6 Month
$0
1.00%
▼ 1.67% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.67% below avg
Details
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2035 Limestone Rd, Wilmington, DE 19808
6 Month TD Choice CD
$250
1.00%
▼ 1.67% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.67% below avg
Details
Non-Promotional APY
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2035 Limestone Rd, Wilmington, DE 19808
6 Month TD Choice Promotional CD
$250
1.00%
▼ 1.67% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.67% below avg
Details
Promotional APY
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
6 Month Share Certificate (Jumbo)
$25,000
1.00%
▼ 1.67% below national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.67% below avg
Details
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
6 Month Share Certificate
$500
0.90%
▼ 1.77% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.77% below avg
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
21035 Dupont Blvd, Georgetown, DE 19947
6-Month Certificate of Deposit
$0
0.70%
▼ 1.97% below national avg
▼
Rate0.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.97% below avg
Details
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6 LYNAM ST, WILMINGTON, DE 19804
6 mo
$0
0.35%
▼ 2.32% below national avg
▼
Rate0.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.32% below avg
Details
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
814 W Basin Rd, New Castle, DE 19720
6 Month Share Certificate
$0
0.25%
▼ 2.42% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.42% below avg
Details
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
16982 Kings Hwy, Lewes, DE 19958
6 Month Fixed Rate Time Deposit/IRAA
$500
0.20%
▼ 2.47% below national avg
▼
Rate0.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.47% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 W 10th St, Wilmington, DE 19801
6 month Standard Interest Rate
$2,500
0.06%
▼ 2.61% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.61% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 W 10th St, Wilmington, DE 19801
6 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.62% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.62% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 W 10th St, Wilmington, DE 19801
6 month Standard Interest Rate
$2,500
0.05%
▼ 2.62% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.62% below avg
Details
Relationship Interest Rate 0.05%
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2200 Concord Pike, Wilmington, DE 19803
Certificate of Deposit - 6 Month
$1,000
0.05%
▼ 2.62% below national avg
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.62% below avg
Details
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2200 Concord Pike, Wilmington, DE 19803
Jumbo Certificate of Deposit - 6 Month
$0
0.05%
▼ 2.62% below national avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.62% below avg
Details
edU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.64%
113 W 6th St, Historic New Castle, DE 19720 5070
6 Month Share Certificates
$0
0.01%
▼ 2.66% below national avg
▼
Rate0.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.66% below avg
Details
Delaware 12 Month CD Rates
MonitorBankRates National Average — 12 Month CD2.83% APY▲ 0.02% from last week
The national average 12-month CD rate is 2.83% APY as of September 2, 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: 2.56%
6 LYNAM ST, WILMINGTON, DE 19804
12 mo
$0
4.06%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.23% above avg
Details
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
3.95%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.12% above avg
Details
Minimum balance to open account online: $1,000. APYs are variable and subject to change after opening. Charges and fees may reduce earnings.
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
3.80%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Minimum balance to open account online: $1,000. APYs are variable and subject to change after opening. Charges and fees may reduce earnings.
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
Concord Gallery Shopping Center, Wilmington, DE 19803
12 month Regular / IRA
$500
3.70%
▲ 0.87% above national avg
▼
Rate3.63%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
Concord Gallery Shopping Center, Wilmington, DE 19803
12 Month Youth Certificate
$250
3.70%
▲ 0.87% above national avg
▼
Rate3.63%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
19927 Shuttle Rd, Rehoboth Beach, DE 19971
12 Month Certificate of Deposit OR IRA
$0
3.60%
▲ 0.77% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
19927 Shuttle Rd, Rehoboth Beach, DE 19971
12 Month Certificate of Deposit OR IRA
$500
3.55%
▲ 0.72% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
1000 N West St, Wilmington, DE 19801
12 Month
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
28660 Dupont Blvd, Millsboro, DE 19966
12 Months
$0
3.40%
▲ 0.57% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.83%▲ 0.57% above avg
Details
Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
28660 Dupont Blvd, Millsboro, DE 19966
12 Months
$0
3.30%
▲ 0.47% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.83%▲ 0.47% above avg
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
35742 Atlantic Avenue, Millville, DE 19967
12 Months
$500
3.25%
▲ 0.42% above national avg
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.42% above avg
Details
Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
28660 Dupont Blvd, Millsboro, DE 19966
12 Months
$0
3.20%
▲ 0.37% above national avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.83%▲ 0.37% above avg
Details
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
2961 Centerville Rd, Wilmington, DE 19808
Fixed Rate IRA 12 Months
$0
3.15%
▲ 0.32% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.32% above avg
Details
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
1110 Elkton Rd, Newark, DE 19711
Share Certificate (12-Month)
$0
3.01%
▲ 0.18% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.18% above avg
Details
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
50 Atlantic Ave, Ocean View, DE 19970
Fixed - 12 Months
$100
3.00%
▲ 0.17% above national avg
▼
Rate2.96%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.17% above avg
Details
Dover Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 19.13%
643 N DuPont Blvd, Milford, DE 19963 1098
1-Year
$500
3.00%
▲ 0.17% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.17% above avg
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
7 Commerce St, Harrington, DE 19952
12 Month
$2,500
2.75%
▼ 0.08% below national avg
▼
Rate2.71%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.08% below avg
Details
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
1110 Elkton Rd, Newark, DE 19711
IRA Certificate 1-Year
$0
2.71%
▼ 0.12% below national avg
▼
Rate2.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.12% below avg
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
35742 Atlantic Avenue, Millville, DE 19967
12 Months
$200
2.00%
▼ 0.83% below national avg
▼
Rate2.00%
Min Deposit$200
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.83% below avg
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
36 Jerome Dr, Dover, DE 19901
12 Months
$500
2.00%
▼ 0.83% below national avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.83% below avg
Details
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Churchmans Rd, New Castle, DE 19720
12 Months
$0
1.76%
▼ 1.07% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.07% below avg
Details
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
$0
1.76%
▼ 1.07% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.07% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 W 10th St, Wilmington, DE 19801
1 year Standard Fixed Rate CD
$2,500
1.51%
▼ 1.32% below national avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.32% below avg
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 1.50%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 W 10th St, Wilmington, DE 19801
1 year Standard Interest Rate
$2,500
1.51%
▼ 1.32% below national avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.32% below avg
Details
Relationship APY 1.51%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 W 10th St, Wilmington, DE 19801
1 year Standard Fixed Rate CD
$2,500
1.50%
▼ 1.33% below national avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.33% below avg
Details
Relationship APY 1.51%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 W 10th St, Wilmington, DE 19801
1 year Standard Interest Rate
$2,500
1.50%
▼ 1.33% below national avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.33% below avg
Details
Relationship Interest Rate 1.50%
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
12 Month IRA Share Certificate
$500
1.25%
▼ 1.58% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.58% below avg
Details
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
12 Month Share Certificate (Jumbo)
$25,000
1.25%
▼ 1.58% below national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.58% below avg
Details
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
12 Month Share Certificate
$500
1.15%
▼ 1.68% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.68% below avg
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2035 Limestone Rd, Wilmington, DE 19808
12 Month - Relationship
$0
1.00%
▼ 1.83% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.83% below avg
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2035 Limestone Rd, Wilmington, DE 19808
12 Month TD Choice CD
$250
1.00%
▼ 1.83% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.83% below avg
Details
Relationship APY
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2035 Limestone Rd, Wilmington, DE 19808
12 Month
$0
1.00%
▼ 1.83% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.83% below avg
Details
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2035 Limestone Rd, Wilmington, DE 19808
12 Month TD Choice CD
$250
1.00%
▼ 1.83% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.83% below avg
Details
Non-Promotional APY
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2035 Limestone Rd, Wilmington, DE 19808
12 Month TD Choice Promotional CD
$250
1.00%
▼ 1.83% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.83% below avg
Details
Promotional APY
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
21035 Dupont Blvd, Georgetown, DE 19947
12-Month Certificate of Deposit
$0
0.70%
▼ 2.13% below national avg
▼
Rate0.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 2.13% below avg
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
21035 Dupont Blvd, Georgetown, DE 19947
12-Month Variable Rate Certificate of Deposit
$0
0.70%
▼ 2.13% below national avg
▼
Rate0.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 2.13% below avg
Details
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
16982 Kings Hwy, Lewes, DE 19958
12 Month Fixed Rate Time Deposit/IRAA
$500
0.30%
▼ 2.53% below national avg
▼
Rate0.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 2.53% below avg
Details
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
814 W Basin Rd, New Castle, DE 19720
12 Month Share Certificate
$0
0.30%
▼ 2.53% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 2.53% below avg
Details
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
603 N Church St, Wilmington, DE 19801
12 Months
$0
0.10%
▼ 2.73% below national avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 2.73% below avg
Details
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2200 Concord Pike, Wilmington, DE 19803
Certificate of Deposit - 12 Month
$1,000
0.05%
▼ 2.78% below national avg
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 2.78% below avg
Details
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2200 Concord Pike, Wilmington, DE 19803
Jumbo Certificate of Deposit - 12 Month
$0
0.05%
▼ 2.78% below national avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 2.78% below avg
Details
edU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.64%
113 W 6th St, Historic New Castle, DE 19720 5070
12 Month Share Certificates
$0
0.05%
▼ 2.78% below national avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 2.78% below avg
Details
Delaware 18 Month CD Rates
MonitorBankRates National Average — 18 Month CD2.68% APY▲ 0.04% from last week
The national average 18-month CD rate is 2.68% APY as of September 2, 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
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
1 Clark St, Harrington, DE 19952
18-Month M&T Select CD
$0
3.85%
▲ 1.17% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
1000 N West St, Wilmington, DE 19801
18 Month
$0
3.50%
▲ 0.82% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
Concord Gallery Shopping Center, Wilmington, DE 19803
18 Month Regular / IRA
$500
3.50%
▲ 0.82% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
28660 Dupont Blvd, Millsboro, DE 19966
18 Months
$0
3.48%
▲ 0.80% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 0.80% above avg
Details
Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
28660 Dupont Blvd, Millsboro, DE 19966
18 Months
$0
3.38%
▲ 0.70% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 0.70% above avg
Details
Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
28660 Dupont Blvd, Millsboro, DE 19966
18 Months
$0
3.28%
▲ 0.60% above national avg
▼
Rate3.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 0.60% above avg
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
35742 Atlantic Avenue, Millville, DE 19967
18 Months
$500
3.25%
▲ 0.57% above national avg
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.57% above avg
Details
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
19927 Shuttle Rd, Rehoboth Beach, DE 19971
18 Month Certificate of Deposit OR IRA
$500
3.20%
▲ 0.52% above national avg
▼
Rate3.17%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.52% above avg
Details
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6 LYNAM ST, WILMINGTON, DE 19804
18 mo
$0
3.19%
▲ 0.51% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.51% above avg
Details
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
2961 Centerville Rd, Wilmington, DE 19808
Fixed Rate IRA 18 Months
$0
2.90%
▲ 0.22% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.22% above avg
Details
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
50 Atlantic Ave, Ocean View, DE 19970
Fixed - 18 Months
$100
2.89%
▲ 0.21% above national avg
▼
Rate2.85%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.21% above avg
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
7 Commerce St, Harrington, DE 19952
18 Month
$2,500
2.50%
▼ 0.18% below national avg
▼
Rate2.47%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.18% below avg
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
36 Jerome Dr, Dover, DE 19901
18 Months
$500
2.00%
▼ 0.68% below national avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.68% below avg
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2035 Limestone Rd, Wilmington, DE 19808
18 Month
$0
1.00%
▼ 1.68% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.68% below avg
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2035 Limestone Rd, Wilmington, DE 19808
18 Month TD Choice CD
$250
1.00%
▼ 1.68% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.68% below avg
Details
Relationship APY
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2035 Limestone Rd, Wilmington, DE 19808
18 Month
$0
1.00%
▼ 1.68% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.68% below avg
Details
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2035 Limestone Rd, Wilmington, DE 19808
18 Month - Relationship
$0
1.00%
▼ 1.68% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.68% below avg
Details
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2035 Limestone Rd, Wilmington, DE 19808
18 Month TD Choice CD
$250
1.00%
▼ 1.68% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.68% below avg
Details
Non-Promotional APY
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2035 Limestone Rd, Wilmington, DE 19808
18 Month TD Choice Promotional CD
$250
1.00%
▼ 1.68% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.68% below avg
Details
Promotional APY
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
21035 Dupont Blvd, Georgetown, DE 19947
18-Month Certificate of Deposit
$0
0.95%
▼ 1.73% below national avg
▼
Rate0.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.73% below avg
Details
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
16982 Kings Hwy, Lewes, DE 19958
18 Month Fixed Rate Time Deposit/IRAA
$500
0.40%
▼ 2.28% below national avg
▼
Rate0.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 2.28% below avg
Details
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
603 N Church St, Wilmington, DE 19801
18 Months
$0
0.15%
▼ 2.53% below national avg
▼
Rate0.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 2.53% below avg
Details
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2200 Concord Pike, Wilmington, DE 19803
Certificate of Deposit - 18 Month
$1,000
0.05%
▼ 2.63% below national avg
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 2.63% below avg
Details
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2200 Concord Pike, Wilmington, DE 19803
Jumbo Certificate of Deposit - 18 Month
$0
0.05%
▼ 2.63% below national avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 2.63% below avg
Details
Delaware 24 Month CD Rates
MonitorBankRates National Average — 24 Month CD2.71% APY▲ 0.02% from last week
The national average 24-month CD rate is 2.71% APY as of September 2, 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
3.95%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.24% above avg
Details
Minimum balance to open account online: $1,000. APYs are variable and subject to change after opening. Charges and fees may reduce earnings.
Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
28660 Dupont Blvd, Millsboro, DE 19966
24 Months
$0
3.54%
▲ 0.83% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 0.83% above avg
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
1000 N West St, Wilmington, DE 19801
24 Month
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
35742 Atlantic Avenue, Millville, DE 19967
24 Months
$500
3.50%
▲ 0.79% above national avg
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
28660 Dupont Blvd, Millsboro, DE 19966
24 Months
$0
3.43%
▲ 0.72% above national avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 0.72% above avg
Details
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
Concord Gallery Shopping Center, Wilmington, DE 19803
24 Month Regular / IRA
$500
3.40%
▲ 0.69% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.69% above avg
Details
Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
28660 Dupont Blvd, Millsboro, DE 19966
24 Months
$0
3.33%
▲ 0.62% above national avg
▼
Rate3.29%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 0.62% above avg
Details
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
1110 Elkton Rd, Newark, DE 19711
Share Certificate (24-Month)
$0
2.86%
▲ 0.15% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.15% above avg
Details
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
50 Atlantic Ave, Ocean View, DE 19970
Fixed - 24 Months
$100
2.84%
▲ 0.13% above national avg
▼
Rate2.80%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.13% above avg
Details
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
1110 Elkton Rd, Newark, DE 19711
IRA Certificate 2-Year
$0
2.76%
▲ 0.05% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.05% above avg
Details
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
2961 Centerville Rd, Wilmington, DE 19808
Fixed Rate IRA 24 Months
$0
2.50%
▼ 0.21% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.21% below avg
Details
Dover Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 19.13%
643 N DuPont Blvd, Milford, DE 19963 1098
2-Year
$500
2.50%
▼ 0.21% below national avg
▼
Rate2.48%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.21% below avg
Details
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
24 Month IRA Share Certificate
$500
1.76%
▼ 0.95% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.95% below avg
Details
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
24 Month Share Certificate (Jumbo)
$25,000
1.76%
▼ 0.95% below national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.95% below avg
Details
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
24 Month Share Certificate
$500
1.66%
▼ 1.05% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 1.05% below avg
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
7 Commerce St, Harrington, DE 19952
24 Month
$2,500
1.50%
▼ 1.21% below national avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 1.21% below avg
Details
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
$0
1.06%
▼ 1.65% below national avg
▼
Rate1.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 1.65% below avg
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2035 Limestone Rd, Wilmington, DE 19808
24 Month
$0
1.00%
▼ 1.71% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 1.71% below avg
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2035 Limestone Rd, Wilmington, DE 19808
24 Month TD Choice CD
$250
1.00%
▼ 1.71% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 1.71% below avg
Details
Relationship APY
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2035 Limestone Rd, Wilmington, DE 19808
24 Month
$0
1.00%
▼ 1.71% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 1.71% below avg
Details
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2035 Limestone Rd, Wilmington, DE 19808
24 Month TD Choice CD
$250
1.00%
▼ 1.71% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 1.71% below avg
Details
Non-Promotional APY
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2035 Limestone Rd, Wilmington, DE 19808
24 Month TD Choice Promotional CD
$250
1.00%
▼ 1.71% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 1.71% below avg
Details
Promotional APY
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
21035 Dupont Blvd, Georgetown, DE 19947
24-Month Certificate of Deposit
$0
0.95%
▼ 1.76% below national avg
▼
Rate0.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 1.76% below avg
Details
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6 LYNAM ST, WILMINGTON, DE 19804
24 mo
$0
0.55%
▼ 2.16% below national avg
▼
Rate0.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 2.16% below avg
Details
New Castle County Delaware Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Churchmans Rd, New Castle, DE 19720
24 Months
$0
0.50%
▼ 2.21% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 2.21% below avg
Details
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
16982 Kings Hwy, Lewes, DE 19958
24 Month Fixed Rate Time Deposit/IRAA
$500
0.40%
▼ 2.31% below national avg
▼
Rate0.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 2.31% below avg
Details
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
814 W Basin Rd, New Castle, DE 19720
24 Month Share Certificate
$0
0.40%
▼ 2.31% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 2.31% below avg
Details
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
603 N Church St, Wilmington, DE 19801
24 Months
$0
0.20%
▼ 2.51% below national avg
▼
Rate0.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 2.51% below avg
Details
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2200 Concord Pike, Wilmington, DE 19803
Certificate of Deposit - 24 Month
$1,000
0.05%
▼ 2.66% below national avg
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 2.66% below avg
Details
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2200 Concord Pike, Wilmington, DE 19803
Jumbo Certificate of Deposit - 24 Month
$0
0.05%
▼ 2.66% below national avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 2.66% below avg
Details
Delaware 36 Month CD Rates
MonitorBankRates National Average — 36 Month CD2.66% APY▲ 0.03% from last week
The national average 36-month CD rate is 2.66% APY as of September 2, 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
Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
28660 Dupont Blvd, Millsboro, DE 19966
36 Months
$0
3.65%
▲ 1.00% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 1.00% above avg
Details
Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
28660 Dupont Blvd, Millsboro, DE 19966
36 Months
$0
3.55%
▲ 0.90% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.90% above avg
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
1000 N West St, Wilmington, DE 19801
36 Month
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
35742 Atlantic Avenue, Millville, DE 19967
36 Months
$500
3.50%
▲ 0.85% above national avg
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
28660 Dupont Blvd, Millsboro, DE 19966
36 Months
$0
3.44%
▲ 0.79% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.79% above avg
Details
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
Concord Gallery Shopping Center, Wilmington, DE 19803
36 Month Regular / IRA
$500
3.40%
▲ 0.75% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.75% above avg
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
21035 Dupont Blvd, Georgetown, DE 19947
Certificate of Deposit Promo 36-Month Bump Up
$0
3.20%
▲ 0.55% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.55% above avg
Details
Bump Up
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
1110 Elkton Rd, Newark, DE 19711
Share Certificate (36-Month)
$0
3.06%
▲ 0.41% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.41% above avg
Details
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
1110 Elkton Rd, Newark, DE 19711
IRA Certificate 3-Year
$0
2.86%
▲ 0.21% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.21% above avg
Details
Dover Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 19.13%
643 N DuPont Blvd, Milford, DE 19963 1098
3-Year
$500
2.25%
▼ 0.40% below national avg
▼
Rate2.23%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.40% below avg
Details
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
36 Month IRA Share Certificate
$500
2.01%
▼ 0.65% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.65% below avg
Details
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
36 Month Share Certificate (Jumbo)
$25,000
2.01%
▼ 0.65% below national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.65% below avg
Details
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
2961 Centerville Rd, Wilmington, DE 19808
Fixed Rate IRA 36 Months
$0
2.00%
▼ 0.65% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.65% below avg
Details
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
36 Month Share Certificate
$500
1.91%
▼ 0.74% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.74% below avg
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
21035 Dupont Blvd, Georgetown, DE 19947
36-Month Certificate of Deposit
$0
1.01%
▼ 1.64% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.64% below avg
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2035 Limestone Rd, Wilmington, DE 19808
3 Year
$0
1.00%
▼ 1.65% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.65% below avg
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2035 Limestone Rd, Wilmington, DE 19808
3 Year TD Choice CD
$250
1.00%
▼ 1.65% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.65% below avg
Details
Relationship APY
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
7 Commerce St, Harrington, DE 19952
36 Month
$2,500
1.00%
▼ 1.65% below national avg
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.65% below avg
Details
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2035 Limestone Rd, Wilmington, DE 19808
3 Year TD Choice CD
$250
1.00%
▼ 1.65% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.65% below avg
Details
Non-Promotional APY
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2035 Limestone Rd, Wilmington, DE 19808
3 Year TD Choice Promotional CD
$250
1.00%
▼ 1.65% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.65% below avg
Details
Promotional APY
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6 LYNAM ST, WILMINGTON, DE 19804
36 mo
$0
0.65%
▼ 2.01% below national avg
▼
Rate0.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 2.01% below avg
Details
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
16982 Kings Hwy, Lewes, DE 19958
36 Month Fixed Rate Time Deposit/IRAA
$500
0.40%
▼ 2.26% below national avg
▼
Rate0.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 2.26% below avg
Details
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
603 N Church St, Wilmington, DE 19801
36 Months
$0
0.25%
▼ 2.41% below national avg
▼
Rate0.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 2.41% below avg
Details
edU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.64%
113 W 6th St, Historic New Castle, DE 19720 5070
3 Year Share Certificates
$0
0.10%
▼ 2.55% below national avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 2.55% below avg
Details
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2200 Concord Pike, Wilmington, DE 19803
Certificate of Deposit - 36 Month
$1,000
0.05%
▼ 2.61% below national avg
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 2.61% below avg
Details
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2200 Concord Pike, Wilmington, DE 19803
Jumbo Certificate of Deposit - 36 Month
$0
0.05%
▼ 2.61% below national avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 2.61% below avg
Details
Delaware 48 Month CD Rates
MonitorBankRates National Average — 48 Month CD2.66% APY▲ 0.04% from last week
The national average 48-month CD rate is 2.66% APY as of September 2, 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: 2.56%
6 LYNAM ST, WILMINGTON, DE 19804
48 mo
$0
4.32%
▲ 1.66% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.66% above avg
Details
Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
28660 Dupont Blvd, Millsboro, DE 19966
48 Months
$0
3.73%
▲ 1.07% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 1.07% above avg
Details
Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
28660 Dupont Blvd, Millsboro, DE 19966
48 Months
$0
3.63%
▲ 0.97% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.97% above avg
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
1000 N West St, Wilmington, DE 19801
48 Month
$0
3.60%
▲ 0.94% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.94% above avg
Details
Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
28660 Dupont Blvd, Millsboro, DE 19966
48 Months
$0
3.53%
▲ 0.87% above national avg
▼
Rate3.48%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.87% above avg
Details
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
Concord Gallery Shopping Center, Wilmington, DE 19803
48 Month Regular / IRA
$500
3.40%
▲ 0.74% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.74% above avg
Details
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
1110 Elkton Rd, Newark, DE 19711
Share Certificate (48-Month)
$0
3.11%
▲ 0.45% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.45% above avg
Details
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
1110 Elkton Rd, Newark, DE 19711
IRA Certificate 4-Year
$0
2.86%
▲ 0.20% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.20% above avg
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
35742 Atlantic Avenue, Millville, DE 19967
48 Months
$500
2.75%
▲ 0.09% above national avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.09% above avg
Details
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
48 Month IRA Share Certificate
$500
2.27%
▼ 0.39% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.39% below avg
Details
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
48 Month Share Certificate (Jumbo)
$25,000
2.27%
▼ 0.39% below national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.39% below avg
Details
Dover Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 19.13%
643 N DuPont Blvd, Milford, DE 19963 1098
4-Year
$500
2.25%
▼ 0.41% below national avg
▼
Rate2.23%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.41% below avg
Details
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
48 Month Share Certificate
$500
2.17%
▼ 0.49% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.49% below avg
Details
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
2961 Centerville Rd, Wilmington, DE 19808
Fixed Rate IRA 48 Months
$0
2.00%
▼ 0.66% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.66% below avg
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
21035 Dupont Blvd, Georgetown, DE 19947
48-Month Certificate of Deposit
$0
1.01%
▼ 1.65% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.65% below avg
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
7 Commerce St, Harrington, DE 19952
48 Month
$2,500
0.75%
▼ 1.91% below national avg
▼
Rate0.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.91% below avg
Details
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
16982 Kings Hwy, Lewes, DE 19958
48 Month Fixed Rate Time Deposit/IRAA
$500
0.40%
▼ 2.26% below national avg
▼
Rate0.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 2.26% below avg
Details
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
603 N Church St, Wilmington, DE 19801
48 Months
$0
0.30%
▼ 2.36% below national avg
▼
Rate0.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 2.36% below avg
Details
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2200 Concord Pike, Wilmington, DE 19803
Certificate of Deposit - 48 Month
$1,000
0.05%
▼ 2.61% below national avg
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 2.61% below avg
Details
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2200 Concord Pike, Wilmington, DE 19803
Jumbo Certificate of Deposit - 48 Month
$0
0.05%
▼ 2.61% below national avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 2.61% below avg
Details
Delaware 60 Month CD Rates
MonitorBankRates National Average — 60 Month CD2.76% APY▲ 0.03% from last week
The national average 60-month CD rate is 2.76% APY as of September 2, 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
Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
28660 Dupont Blvd, Millsboro, DE 19966
60 Months
$0
3.77%
▲ 1.01% above national avg
▼
Rate3.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.76%▲ 1.01% above avg
Details
Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
28660 Dupont Blvd, Millsboro, DE 19966
60 Months
$0
3.67%
▲ 0.91% above national avg
▼
Rate3.62%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.76%▲ 0.91% above avg
Details
Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
28660 Dupont Blvd, Millsboro, DE 19966
60 Months
$0
3.57%
▲ 0.81% above national avg
▼
Rate3.52%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.76%▲ 0.81% above avg
Details
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
Concord Gallery Shopping Center, Wilmington, DE 19803
60 Month Regular / IRA
$500
3.40%
▲ 0.64% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.64% above avg
Details
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
1110 Elkton Rd, Newark, DE 19711
IRA Certificate 5-Year
$0
3.01%
▲ 0.25% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.25% above avg
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
35742 Atlantic Avenue, Millville, DE 19967
60 Months
$500
3.00%
▲ 0.24% above national avg
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
60 Month IRA Share Certificate
$500
2.52%
▼ 0.24% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.24% below avg
Details
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
60 Month Share Certificate (Jumbo)
$25,000
2.52%
▼ 0.24% below national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.24% below avg
Details
Shore United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
120 W Main St, Felton, DE 19943
60 Month CD
$500
2.50%
▼ 0.26% below national avg
▼
Rate2.47%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.26% below avg
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
36 Jerome Dr, Dover, DE 19901
60 Months
$500
2.50%
▼ 0.26% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.26% below avg
Details
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
4 Quigley Blvd, Historic New Castle, DE 19720 4150
60 Month Share Certificate
$500
2.42%
▼ 0.34% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.34% below avg
Details
Dover Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 19.13%
643 N DuPont Blvd, Milford, DE 19963 1098
5-Year
$500
2.25%
▼ 0.51% below national avg
▼
Rate2.23%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.51% below avg
Details
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
2961 Centerville Rd, Wilmington, DE 19808
Fixed Rate IRA 60 Months
$0
2.00%
▼ 0.76% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.76% below avg
Details
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6 LYNAM ST, WILMINGTON, DE 19804
60 mo
$0
1.31%
▼ 1.45% below national avg
▼
Rate1.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.45% below avg
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
21035 Dupont Blvd, Georgetown, DE 19947
60-Month Certificate of Deposit
$0
1.01%
▼ 1.75% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.75% below avg
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2035 Limestone Rd, Wilmington, DE 19808
5 Year
$0
1.00%
▼ 1.76% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.76% below avg
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2035 Limestone Rd, Wilmington, DE 19808
5 Year TD Choice CD
$250
1.00%
▼ 1.76% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.76% below avg
Details
Relationship APY
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2035 Limestone Rd, Wilmington, DE 19808
5 Year
$0
1.00%
▼ 1.76% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.76% below avg
Details
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2035 Limestone Rd, Wilmington, DE 19808
5 Year TD Choice CD
$250
1.00%
▼ 1.76% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.76% below avg
Details
Non-Promotional APY
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2035 Limestone Rd, Wilmington, DE 19808
5 Year TD Choice Promotional CD
$250
1.00%
▼ 1.76% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.76% below avg
Details
Promotional APY
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
7 Commerce St, Harrington, DE 19952
60 Month
$2,500
0.75%
▼ 2.01% below national avg
▼
Rate0.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 2.01% below avg
Details
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
814 W Basin Rd, New Castle, DE 19720
60 Month Share Certificate
$0
0.55%
▼ 2.21% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 2.21% below avg
Details
County Bank Rehoboth Beach, DE
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
19927 Shuttle Rd, Rehoboth Beach, DE 19971
60 Month Certificate of Deposit OR IRA
$500
0.40%
▼ 2.36% below national avg
▼
Rate0.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 2.36% below avg
Details
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
16982 Kings Hwy, Lewes, DE 19958
60 Month Fixed Rate Time Deposit/IRAA
$500
0.40%
▼ 2.36% below national avg
▼
Rate0.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 2.36% below avg
Details
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
603 N Church St, Wilmington, DE 19801
60 Months
$0
0.35%
▼ 2.41% below national avg
▼
Rate0.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 2.41% below avg
Details
edU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.64%
113 W 6th St, Historic New Castle, DE 19720 5070
5 Year Share Certificates
$0
0.15%
▼ 2.61% below national avg
▼
Rate0.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 2.61% below avg
Details
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2200 Concord Pike, Wilmington, DE 19803
Certificate of Deposit - 60 Month
$1,000
0.05%
▼ 2.71% below national avg
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 2.71% below avg
Details
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
2200 Concord Pike, Wilmington, DE 19803
Jumbo Certificate of Deposit - 60 Month
$0
0.05%
▼ 2.71% below national avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 2.71% below avg
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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.
12-Month CD — DE Avg
2.833%
▲ 1.013 vs 7 days ago
Delaware 12-month CD rates rose 1.013 points over the past 7 days to 2.833% APY.
6-Month CD — DE Avg
2.672%
▲ 1.023 vs 7 days ago
Delaware 6-month CD rates rose 1.023 points over the past 7 days to 2.672% APY.
As of Sep 2, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
DE CD Rate Forecast — Next 12 Months
Where are Delaware CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
DE 12-Month Avg APY
2.833%
6-Month Forecast
2.833%
Range: 2.63% – 2.98%
12-Month Forecast
2.583%
Range: 2.38% – 2.73%
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 | 1.964% | $98.19 | $196.38 | $490.95 | $981.90 |
| 6-Month CD | 2.672% | $133.62 | $267.23 | $668.08 | $1,336.15 |
| 12-Month CD | 2.833% | $141.64 | $283.28 | $708.20 | $1,416.40 |
| 18-Month CD | 2.677% | $133.84 | $267.67 | $669.18 | $1,338.35 |
| 24-Month CD | 2.711% | $135.57 | $271.14 | $677.85 | $1,355.70 |
| 36-Month CD | 2.655% | $132.75 | $265.50 | $663.75 | $1,327.50 |
| 48-Month CD | 2.657% | $132.83 | $265.66 | $664.15 | $1,328.30 |
| 60-Month CD | 2.760% | $138.00 | $276.00 | $690.00 | $1,380.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 1, 2026. | |||||
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.
| Rung | Term | Deposit | DE Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.964% | $98.19 |
| 2 | 6-Month CD | $5,000 | 2.672% | $133.62 |
| 3 | 12-Month CD | $5,000 | 2.833% | $141.64 |
| 4 | 24-Month CD | $5,000 | 2.711% | $135.57 |
| 5 | 36-Month CD | $5,000 | 2.655% | $132.75 |
| Total ($25,000 invested) | $25,000 | 2.567% blended | $641.77/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.
190
CD Rates
Tracked in Delaware
Tracked in Delaware
17 Banks
10 Credit Unions
About Our Delaware CD Rate Database
MonitorBankRates tracks 190 CD rates from 17 banks and 10 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 (1–5), 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: Priority Plus Federal Credit Union offers a CD at 4.32% APY with a minimum deposit of $0. 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 10 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 — 27 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
$131/yr
At DE 12-mo avg 2.833% 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 2.833%, saving 10% of the local median salary ($4,628/year) and putting it in a CD would earn an additional $131 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 (90–180 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, HSBC Trust Company (Delaware) is offering its 6 Month CD at 3.80% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Farmers Bank of Willards is offering its 60 Months at 3.77% 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:
- Priority Plus Federal Credit Union: 4.32% APY (48 mo)
- HSBC Trust Company (Delaware): 3.95% APY (12 Month CD)
- M&T Bank: 3.85% APY (18-Month M&T Select CD)
- Farmers Bank of Willards: 3.77% APY (60 Months)
- Cross River Bank: 3.75% APY (3 Month)
- Sun East Federal Credit Union: 3.70% APY (12 month Regular / IRA)
- County Bank Rehoboth Beach, DE: 3.60% APY (12 Month Certificate of Deposit OR IRA)
- Cecil County School Employees Federal Credit Union: 3.55% APY (3-Month Certificate Special)
- First Shore Federal S&L: 3.50% APY (24 Months)
- Dover Federal Credit Union: 3.50% APY (6-Month)
Rates reflect recent verified offers available in Delaware. Last Updated: September 1, 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 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Delaware
Delaware CD Calculator
At today’s DE top rate of 4.32% APY, a $10,000 deposit earns $432 in the first year. Enter your amount to see your exact return.
Delaware CD LadderDE CD rates currently range from 1.964% (3-month) to 2.655% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Delaware CD at 4.32% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsDelaware’s average 12-month CD is 2.833% 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: September 1, 2026
Cities in Delaware
Rate Assistant
MonitorBankRates.com · Live Data
Try asking