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CD Rate Trends

New Castle, Delaware Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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

New Castle, Delaware CD rates range from 0.01% to 4.45% APY, verified by MonitorBankRates as of October 13, 2026. Current New Castle, Delaware CD rates include Dexsta Federal Credit UnionDexsta Federal Credit Union118 Jestan Blvd, New Castle, DE 19720A5.0 ★Texas Ratio: 6.88%Real return: +1.27%APY minus CPI (February 2026) offering 18 Month Regular Certificates at 4.07% APY, Dover Federal Credit UnionDover Federal Credit Union499 Pulaski Hwy, New Castle, DE 19720A5.0 ★Texas Ratio: 8.00%Real return: +1.20%APY minus CPI (February 2026) offering 1 Year Business Share Certificates at 4.00% APY, Community Powered Federal Credit UnionCommunity Powered Federal Credit Union235 Christiana Rd, New Castle, DE 19720A+5.0 ★Texas Ratio: 3.08%Real return: +1.20%APY minus CPI (February 2026) offering 12 Month Share Certificate (Jumbo) at 4.00% APY, Delaware State Police Federal Credit UnionDelaware State Police Federal Credit Union235 Christiana Rd, New Castle, DE 19720A+5.0 ★Texas Ratio: 4.25%Real return: +0.92%APY minus CPI (February 2026) offering 12 Month Share Certificates at 3.72% APY, and New Castle County Delaware Employees Federal Credit UnionNew Castle County Delaware Employees Federal Credit Union100 Churchmans Rd, New Castle, DE 19720A+5.0 ★Texas Ratio: 0.00%Real return: -1.04%APY minus CPI (February 2026) offering IRA Certificates - 12 Months at 1.76% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

New Castle has 66 local institutions in our database, with CD rates as high as 4.07% APY from Dexsta Federal Credit Union at 118 Jestan Blvd, New Castle, DE 19720. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Delaware area. 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 New Castle, Delaware & the Surrounding Area

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

New Castle 3 Month CD Rates

Delaware 3 Month CD Average1.95% APYNational 2.09%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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 14, 2026
Comenity Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.12%
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 14, 2026
  • Oct 11, 20263.95%▲ from 3.90%
  • Sep 19, 20263.90%first recorded
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
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 14, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
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 14, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
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 14, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
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 14, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
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 14, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
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 14, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
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 14, 2026

New Castle 6 Month CD Rates

Delaware 6 Month CD Average2.57% APYNational 2.77%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
235 Christiana Rd, New Castle, DE 19720
6 Month Share Certificate (Jumbo)
$25,000
4.00% ▲ 1.43% above Delaware avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.57%▲ 1.43% above avgNationally 2.77%
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 14, 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%
499 Pulaski Hwy, New Castle, DE 19720
6 Month Share & IRA Certificates
$500
3.75% ▲ 1.18% above Delaware avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.57%▲ 1.18% above avgNationally 2.77%
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 14, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
235 Christiana Rd, New Castle, DE 19720
6 Month Share Certificates
$0
3.56% ▲ 0.99% above Delaware avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.57%▲ 0.99% above avgNationally 2.77%
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 14, 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%
235 Christiana Rd, New Castle, DE 19720
6 Month Share Certificate
$500
3.55% ▲ 0.98% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.57%▲ 0.98% above avgNationally 2.77%
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 14, 2026
  • Oct 9, 20263.55%▲ from 0.90%
  • Sep 14, 20260.90%first recorded
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
235 Christiana Rd, New Castle, DE 19720
6 Month Jumbo IRA Share Certificates
$25,000
3.35% ▲ 0.78% above Delaware avg
View
▼
Rate3.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.57%▲ 0.78% above avgNationally 2.77%
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 14, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
235 Christiana Rd, New Castle, DE 19720
6 Month Jumbo Share Certificates
$25,000
3.35% ▲ 0.78% above Delaware avg
View
▼
Rate3.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.57%▲ 0.78% above avgNationally 2.77%
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 14, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
235 Christiana Rd, New Castle, DE 19720
6 Month IRA Share Certificates
$500
3.30% ▲ 0.73% above Delaware avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.57%▲ 0.73% above avgNationally 2.77%
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 14, 2026
  • Sep 25, 20263.30%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
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% ▼ 1.21% below Delaware avg
View
▼
Rate1.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.57%▼ 1.21% below avgNationally 2.77%
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 14, 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% ▼ 1.21% below Delaware avg
View
▼
Rate1.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.57%▼ 1.21% below avgNationally 2.77%
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 14, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
118 Jestan Blvd, New Castle, DE 19720
6 Month Regular Certificates
$1,000
1.00% ▼ 1.57% below Delaware avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▼ 1.57% below avgNationally 2.77%
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 14, 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% ▼ 2.32% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.57%▼ 2.32% below avgNationally 2.77%
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 14, 2026
Comenity Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.12%
6-month CD
$1,500
4.05% ▲ 1.48% above Delaware avg
View
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.57%▲ 1.48% above avgNationally 2.77%
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 14, 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%
6 Month CD
$1,000
4.05% ▲ 1.48% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▲ 1.48% above avgNationally 2.77%
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 14, 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%
6 Month New Money CD
$1,000
4.05% ▲ 1.48% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▲ 1.48% above avgNationally 2.77%
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 14, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
6 Month Certificate of Deposit
$0
4.05% ▲ 1.48% above Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▲ 1.48% above avgNationally 2.77%
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 14, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
6 Month Fixed Rate Certificate of Deposit (CDs)
$0
4.05% ▲ 1.48% above Delaware avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▲ 1.48% above avgNationally 2.77%
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 14, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$1,000
4.00% ▲ 1.43% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▲ 1.43% above avgNationally 2.77%
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 14, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Online CD
$1,000
4.00% ▲ 1.43% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▲ 1.43% above avgNationally 2.77%
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 14, 2026
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6 Month Regular And IRA Share Certificates
$500
4.00% ▲ 1.43% above Delaware avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.57%▲ 1.43% above avgNationally 2.77%
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 14, 2026
  • Sep 25, 20264.00%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
6 Month Regular / IRA
$500
3.70% ▲ 1.13% above Delaware avg
View
▼
Rate3.63%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▲ 1.13% above avgNationally 2.77%
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 14, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
6 Month Youth Certificate
$250
3.70% ▲ 1.13% above Delaware avg
View
▼
Rate3.63%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▲ 1.13% above avgNationally 2.77%
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 14, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 6 MONTH
$0
3.70% ▲ 1.13% above Delaware avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.57%▲ 1.13% above avgNationally 2.77%
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 14, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
6 Month IRA Certificate
$500
3.40% ▲ 0.83% above Delaware avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▲ 0.83% above avgNationally 2.77%
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 14, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
6 Month CD
$0
2.96% ▲ 0.39% above Delaware avg
View
▼
Rate2.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▲ 0.39% above avgNationally 2.77%
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 14, 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%
6 Month TD Choice CD (Promotional)
$250
2.00% ▼ 0.57% below Delaware avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.57%▼ 0.57% below avgNationally 2.77%
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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
6 Month TD Choice CD (Non-Promotional)
$250
1.99% ▼ 0.58% below Delaware avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.57%▼ 0.58% below avgNationally 2.77%
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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
6 Month Certificate
$0
1.00% ▼ 1.57% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.57%▼ 1.57% below avgNationally 2.77%
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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
6 Month TD Choice CD
$250
1.00% ▼ 1.57% below Delaware avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.57%▼ 1.57% below avgNationally 2.77%
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 14, 2026
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6 mo Certificate
$1,000
0.35% ▼ 2.22% below Delaware avg
View
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▼ 2.22% below avgNationally 2.77%
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 14, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
6 Month Fixed Rate Time Deposit/IRA
$500
0.20% ▼ 2.37% below Delaware avg
View
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.57%▼ 2.37% below avgNationally 2.77%
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 14, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate of Deposit
$1,000
0.05% ▼ 2.52% below Delaware avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.57%▼ 2.52% below avgNationally 2.77%
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 14, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Jumbo Certificate of Deposit
$95,000
0.05% ▼ 2.52% below Delaware avg
View
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.57%▼ 2.52% below avgNationally 2.77%
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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
6 Month TD No Catch CD
$250
0.05% ▼ 2.52% below Delaware avg
View
▼
Rate0.05%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.57%▼ 2.52% below avgNationally 2.77%
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 14, 2026
edU Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.00%
6 Month Share Certificates
$500
0.01% ▼ 2.56% below Delaware avg
View
▼
Rate0.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.57%▼ 2.56% below avgNationally 2.77%
Details

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

Rate History
No change since Sep 12, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Sep 12, 2026: 0.01% APYSep 12, 2026Oct 14, 2026

New Castle 12 Month CD Rates

Delaware 12 Month CD Average2.70% APYNational 2.99%▲ 0.12% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
499 Pulaski Hwy, New Castle, DE 19720
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 14, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
499 Pulaski Hwy, New Castle, DE 19720
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 14, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
235 Christiana Rd, New Castle, DE 19720
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 14, 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%
118 Jestan Blvd, New Castle, DE 19720
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 14, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
235 Christiana Rd, New Castle, DE 19720
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 14, 2026
  • Oct 13, 20263.72%▲ from 3.46%
  • Sep 25, 20263.46%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
235 Christiana Rd, New Castle, DE 19720
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 14, 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%
235 Christiana Rd, New Castle, DE 19720
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 14, 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%
235 Christiana Rd, New Castle, DE 19720
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 14, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
235 Christiana Rd, New Castle, DE 19720
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 14, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
235 Christiana Rd, New Castle, DE 19720
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 14, 2026
  • Sep 25, 20263.46%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
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 14, 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 14, 2026
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
814 W Basin Rd, New Castle, DE 19720
12 Month Share Certificate
$0
0.30% ▼ 2.40% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▼ 2.40% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 7 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 14, 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 12 Month
$0
0.30% ▼ 2.40% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▼ 2.40% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 14, 2026
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
814 W Basin Rd, New Castle, DE 19720
Easy Access Share Certificate (12 Mos)
$0
0.25% ▼ 2.45% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▼ 2.45% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 14, 2026
Comenity Bank
Institution Rating:
B4.6 ★Texas Ratio: 20.12%
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 14, 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%
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 14, 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%
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 14, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
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 14, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
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 14, 2026
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
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 14, 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%
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 14, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
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 14, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
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 14, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
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 14, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
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 14, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
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 14, 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%
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 14, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
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 14, 2026
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
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 11, 2026
Delaware Average2.70%▼ 1.70% below avgNationally 2.99%
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 14, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
12 Month Fixed Rate Time Deposit/IRA
$500
0.30% ▼ 2.40% below Delaware avg
View
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.70%▼ 2.40% below avgNationally 2.99%
Details

Rate History
No change since Sep 11, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 11, 2026: 0.30% APYSep 11, 2026Oct 14, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
1 Year Variable Rate IRA
$0
0.15% ▼ 2.55% below Delaware avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.70%▼ 2.55% below avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 24, 2026: 0.15% APYSep 24, 2026Oct 14, 2026
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Share Certificate - 12 Months
$100
0.10% ▼ 2.60% below Delaware avg
View
▼
Rate0.10%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.70%▼ 2.60% below avgNationally 2.99%
Details

Compounded: Monthly

Rate History
No change since Oct 13, 2026 · 0.10% APY
0.00%0.30%0.60%Oct 13, 2026: 0.10% APYOct 13, 2026Oct 14, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate of Deposit
$1,000
0.05% ▼ 2.65% below Delaware avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.70%▼ 2.65% below avgNationally 2.99%
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 14, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Jumbo Certificate of Deposit
$95,000
0.05% ▼ 2.65% below Delaware avg
View
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.70%▼ 2.65% below avgNationally 2.99%
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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
12 Month TD IRA Add-Vantage CD
$0
0.05% ▼ 2.65% below Delaware avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.70%▼ 2.65% below avgNationally 2.99%
Details

IRA

Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Oct 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
12 Month TD No Catch CD
$250
0.05% ▼ 2.65% below Delaware avg
View
▼
Rate0.05%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.70%▼ 2.65% below avgNationally 2.99%
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 14, 2026
edU Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.00%
12 Month Share Certificates
$500
0.05% ▼ 2.65% below Delaware avg
View
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.70%▼ 2.65% below avgNationally 2.99%
Details

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

Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 12, 2026: 0.05% APYSep 12, 2026Oct 14, 2026

New Castle 18 Month CD Rates

Delaware 18 Month CD Average2.78% APYNational 2.88%▲ 0.11% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
118 Jestan Blvd, New Castle, DE 19720
18 Month Regular Certificates
$1,000
4.07% ▲ 1.29% above Delaware avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.78%▲ 1.29% above avgNationally 2.88%
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 14, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
235 Christiana Rd, New Castle, DE 19720
18 Month Share Certificates
$0
3.67% ▲ 0.89% above Delaware avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.78%▲ 0.89% above avgNationally 2.88%
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 14, 2026
  • Oct 13, 20263.67%▲ from 3.41%
  • Sep 14, 20263.41%first recorded
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
235 Christiana Rd, New Castle, DE 19720
18 Month Jumbo IRA Share Certificates
$25,000
3.46% ▲ 0.68% above Delaware avg
View
▼
Rate3.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.78%▲ 0.68% above avgNationally 2.88%
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 14, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
235 Christiana Rd, New Castle, DE 19720
18 Month Jumbo Share Certificates
$25,000
3.46% ▲ 0.68% above Delaware avg
View
▼
Rate3.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.78%▲ 0.68% above avgNationally 2.88%
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 14, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
235 Christiana Rd, New Castle, DE 19720
18 Month IRA Share Certificates
$500
3.41% ▲ 0.63% above Delaware avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.78%▲ 0.63% above avgNationally 2.88%
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 14, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 18 MONTH
$0
4.35% ▲ 1.57% above Delaware avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.78%▲ 1.57% above avgNationally 2.88%
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 14, 2026
  • Oct 5, 20264.35%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
18 Month TD Choice CD (Promotional)
$250
4.25% ▲ 1.47% above Delaware avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.78%▲ 1.47% above avgNationally 2.88%
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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
18 Month TD Choice CD (Non-Promotional)
$250
4.24% ▲ 1.46% above Delaware avg
View
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.78%▲ 1.46% above avgNationally 2.88%
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 14, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
18 Month IRA Certificate
$500
3.82% ▲ 1.04% above Delaware avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.78%▲ 1.04% above avgNationally 2.88%
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 14, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
18 Month Regular / IRA
$500
3.50% ▲ 0.72% above Delaware avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.78%▲ 0.72% above avgNationally 2.88%
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 14, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
18 Month CD
$0
3.34% ▲ 0.56% above Delaware avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.78%▲ 0.56% above avgNationally 2.88%
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 14, 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
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 mo Certificate
$1,000
3.19% ▲ 0.41% above Delaware avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.78%▲ 0.41% above avgNationally 2.88%
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 14, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
18 Month Fixed Rate Certificate of Deposit (CDs)
$0
2.90% ▲ 0.12% above Delaware avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.78%▲ 0.12% above avgNationally 2.88%
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 14, 2026
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
18 Month Certificate
$500
2.00% ▼ 0.78% below Delaware avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.78%▼ 0.78% below avgNationally 2.88%
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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
18 Month Certificate
$0
1.00% ▼ 1.78% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.78%▼ 1.78% below avgNationally 2.88%
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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
18 Month TD Choice CD
$250
1.00% ▼ 1.78% below Delaware avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.78%▼ 1.78% 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 14, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
18 Month Fixed Rate Time Deposit/IRA
$500
0.40% ▼ 2.38% below Delaware avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.78%▼ 2.38% 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 14, 2026
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Share Certificate - 18 Months
$100
0.15% ▼ 2.63% below Delaware avg
View
▼
Rate0.15%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.78%▼ 2.63% below avgNationally 2.88%
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 14, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate of Deposit
$1,000
0.05% ▼ 2.73% below Delaware avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.78%▼ 2.73% 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 14, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Jumbo Certificate of Deposit
$95,000
0.05% ▼ 2.73% below Delaware avg
View
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.78%▼ 2.73% 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 14, 2026

New Castle 24 Month CD Rates

Delaware 24 Month CD Average2.50% APYNational 2.88%▲ 0.13% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
235 Christiana Rd, New Castle, DE 19720
24 Month Share Certificate (Jumbo)
$25,000
4.00% ▲ 1.50% above Delaware avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▲ 1.50% 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 14, 2026
  • Oct 9, 20264.00%▲ from 1.76%
  • Sep 14, 20261.76%first recorded
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
118 Jestan Blvd, New Castle, DE 19720
24 Month Regular Certificates
$1,000
3.56% ▲ 1.06% above Delaware avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.50%▲ 1.06% 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 14, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
235 Christiana Rd, New Castle, DE 19720
24 Month Share Certificates
$0
3.41% ▲ 0.91% above Delaware avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▲ 0.91% 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 14, 2026
  • Oct 13, 20263.41%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
235 Christiana Rd, New Castle, DE 19720
24 Month IRA Share Certificate
$500
3.29% ▲ 0.79% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▲ 0.79% 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 14, 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%
235 Christiana Rd, New Castle, DE 19720
24 Month Share Certificate
$500
3.29% ▲ 0.79% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▲ 0.79% 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 14, 2026
  • Oct 9, 20263.29%▲ from 1.66%
  • Sep 14, 20261.66%first recorded
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
235 Christiana Rd, New Castle, DE 19720
24 Month Jumbo IRA Share Certificates
$25,000
3.20% ▲ 0.70% above Delaware avg
View
▼
Rate3.15%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▲ 0.70% 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 14, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
235 Christiana Rd, New Castle, DE 19720
24 Month Jumbo Share Certificates
$25,000
3.20% ▲ 0.70% above Delaware avg
View
▼
Rate3.15%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▲ 0.70% 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 14, 2026
Delaware State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
235 Christiana Rd, New Castle, DE 19720
24 Month IRA Share Certificates
$500
3.15% ▲ 0.65% above Delaware avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▲ 0.65% 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 14, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
499 Pulaski Hwy, New Castle, DE 19720
2 Year Business Share Certificates
$500
2.50% At Delaware avg
View
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%At the averageNationally 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 14, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
499 Pulaski Hwy, New Castle, DE 19720
2 Year Share & IRA Certificates
$500
2.50% At Delaware avg
View
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%At the averageNationally 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 14, 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% ▼ 1.44% below Delaware avg
View
▼
Rate1.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▼ 1.44% 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 14, 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% ▼ 2.00% below Delaware avg
View
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▼ 2.00% 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 14, 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% ▼ 2.10% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▼ 2.10% 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 14, 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% ▼ 2.10% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▼ 2.10% 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 14, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$1,000
4.45% ▲ 1.95% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.50%▲ 1.95% 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 14, 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%
24 Month New Money CD
$1,000
4.45% ▲ 1.95% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.50%▲ 1.95% 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 14, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$1,000
4.40% ▲ 1.90% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.50%▲ 1.90% 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 14, 2026
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Online CD
$1,000
4.40% ▲ 1.90% above Delaware avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.50%▲ 1.90% 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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
24 Month TD Choice CD (Promotional)
$250
4.30% ▲ 1.80% above Delaware avg
View
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.50%▲ 1.80% 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 14, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 24 MONTH
$0
4.30% ▲ 1.80% above Delaware avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▲ 1.80% 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 14, 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%
24 Month TD Choice CD (Non-Promotional)
$250
4.29% ▲ 1.79% above Delaware avg
View
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.50%▲ 1.79% 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 14, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
24 Month IRA Certificate
$500
3.92% ▲ 1.42% above Delaware avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.50%▲ 1.42% 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 14, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
24 Month CD
$0
3.43% ▲ 0.93% above Delaware avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.50%▲ 0.93% 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 14, 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
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
24 Month Regular / IRA
$500
3.40% ▲ 0.90% above Delaware avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.50%▲ 0.90% 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 14, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
Share Certificate (24-Month)
$0
2.86% ▲ 0.36% above Delaware avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▲ 0.36% 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 14, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
24 Month Fixed Rate Certificate of Deposit (CDs)
$0
2.50% At Delaware avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.50%At the averageNationally 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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
24 Month Certificate
$0
1.00% ▼ 1.50% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.50%▼ 1.50% 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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
24 Month TD Choice CD
$250
1.00% ▼ 1.50% below Delaware avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.50%▼ 1.50% 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 14, 2026
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
24 mo Certificate
$1,000
0.55% ▼ 1.95% below Delaware avg
View
▼
Rate0.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.50%▼ 1.95% 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 14, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
24 Month Fixed Rate Time Deposit/IRA
$500
0.40% ▼ 2.10% below Delaware avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.50%▼ 2.10% 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 14, 2026
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Share Certificate - 24 Months
$100
0.20% ▼ 2.30% below Delaware avg
View
▼
Rate0.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.50%▼ 2.30% 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 14, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate of Deposit
$1,000
0.05% ▼ 2.45% below Delaware avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.50%▼ 2.45% 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 14, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Jumbo Certificate of Deposit
$95,000
0.05% ▼ 2.45% below Delaware avg
View
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.50%▼ 2.45% 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 14, 2026

New Castle 36 Month CD Rates

Delaware 36 Month CD Average2.23% APYNational 2.81%▲ 0.09% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
235 Christiana Rd, New Castle, DE 19720
36 Month Share Certificate (Jumbo)
$25,000
3.75% ▲ 1.52% above Delaware avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.23%▲ 1.52% 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 14, 2026
  • Oct 9, 20263.75%▲ from 2.01%
  • Sep 14, 20262.01%first recorded
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
118 Jestan Blvd, New Castle, DE 19720
36 Month Regular Certificates
$1,000
3.45% ▲ 1.22% above Delaware avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.23%▲ 1.22% 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 14, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
235 Christiana Rd, New Castle, DE 19720
36 Month IRA Share Certificate
$500
3.29% ▲ 1.06% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.23%▲ 1.06% 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 14, 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%
235 Christiana Rd, New Castle, DE 19720
36 Month Share Certificate
$500
3.29% ▲ 1.06% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.23%▲ 1.06% 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 14, 2026
  • Oct 9, 20263.29%▲ from 1.91%
  • Sep 14, 20261.91%first recorded
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
499 Pulaski Hwy, New Castle, DE 19720
3 Year Business Share Certificates
$500
2.25% ▲ 0.02% above Delaware avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.23%▲ 0.02% 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 14, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
499 Pulaski Hwy, New Castle, DE 19720
3 Year Share & IRA Certificates
$500
2.25% ▲ 0.02% above Delaware avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.23%▲ 0.02% 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 14, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
36 Month IRA Certificate
$500
4.07% ▲ 1.84% above Delaware avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.23%▲ 1.84% 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 14, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
36 Month CD
$0
3.58% ▲ 1.35% above Delaware avg
View
▼
Rate3.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.23%▲ 1.35% 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 14, 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
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
36 Month Regular / IRA
$500
3.40% ▲ 1.17% above Delaware avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.23%▲ 1.17% 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 14, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 36 MONTH
$0
3.40% ▲ 1.17% above Delaware avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.23%▲ 1.17% 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 14, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
Share Certificate (36-Month)
$0
3.06% ▲ 0.83% above Delaware avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.23%▲ 0.83% 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 14, 2026
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
36 Month Regular And IRA Share Certificates
$500
2.52% ▲ 0.29% above Delaware avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.23%▲ 0.29% 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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Year TD Choice CD (Promotional)
$250
2.00% ▼ 0.23% below Delaware avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.23%▼ 0.23% 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 14, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
36 Month Fixed Rate Certificate of Deposit (CDs)
$0
2.00% ▼ 0.23% below Delaware avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.23%▼ 0.23% 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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Year TD Choice CD (Non-Promotional)
$250
1.99% ▼ 0.24% below Delaware avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.23%▼ 0.24% 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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Year Certificate
$0
1.00% ▼ 1.23% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.23%▼ 1.23% 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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Year TD Choice CD
$250
1.00% ▼ 1.23% below Delaware avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.23%▼ 1.23% 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 14, 2026
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
36 mo Certificate
$1,000
0.65% ▼ 1.58% below Delaware avg
View
▼
Rate0.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.23%▼ 1.58% 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 14, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
36 Month Fixed Rate Time Deposit/IRA
$500
0.40% ▼ 1.83% below Delaware avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.23%▼ 1.83% 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 14, 2026
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Share Certificate - 36 Months
$100
0.25% ▼ 1.98% below Delaware avg
View
▼
Rate0.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.23%▼ 1.98% 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 14, 2026
edU Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.00%
3 Year Share Certificates
$500
0.10% ▼ 2.13% below Delaware avg
View
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.23%▼ 2.13% 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 14, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate of Deposit
$1,000
0.05% ▼ 2.18% below Delaware avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.23%▼ 2.18% 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 14, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Jumbo Certificate of Deposit
$95,000
0.05% ▼ 2.18% below Delaware avg
View
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.23%▼ 2.18% 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 14, 2026

New Castle 48 Month CD Rates

Delaware 48 Month CD Average2.36% APYNational 2.80%▲ 0.12% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
235 Christiana Rd, New Castle, DE 19720
48 Month Share Certificate (Jumbo)
$25,000
3.75% ▲ 1.39% above Delaware avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.36%▲ 1.39% 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 14, 2026
  • Oct 9, 20263.75%▲ from 2.27%
  • Sep 14, 20262.27%first recorded
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
118 Jestan Blvd, New Castle, DE 19720
48 Month Regular Certificates
$1,000
3.35% ▲ 0.99% above Delaware avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.36%▲ 0.99% 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 14, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
235 Christiana Rd, New Castle, DE 19720
48 Month IRA Share Certificate
$500
3.29% ▲ 0.93% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.36%▲ 0.93% 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 14, 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%
235 Christiana Rd, New Castle, DE 19720
48 Month Share Certificate
$500
3.29% ▲ 0.93% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.36%▲ 0.93% 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 14, 2026
  • Oct 9, 20263.29%▲ from 2.17%
  • Sep 14, 20262.17%first recorded
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
499 Pulaski Hwy, New Castle, DE 19720
4 Year Business Share Certificates
$500
2.25% ▼ 0.11% below Delaware avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.36%▼ 0.11% 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 14, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
499 Pulaski Hwy, New Castle, DE 19720
4 Year Share & IRA Certificates
$500
2.25% ▼ 0.11% below Delaware avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.36%▼ 0.11% 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 14, 2026
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
48 mo Certificate
$1,000
4.32% ▲ 1.96% above Delaware avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.36%▲ 1.96% 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 14, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
48 Month IRA Certificate
$500
4.07% ▲ 1.71% above Delaware avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.36%▲ 1.71% 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 14, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
48 Month CD
$0
3.67% ▲ 1.31% above Delaware avg
View
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.36%▲ 1.31% 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 14, 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
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
48 Month Regular / IRA
$500
3.40% ▲ 1.04% above Delaware avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.36%▲ 1.04% 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 14, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 48 MONTH
$0
3.40% ▲ 1.04% above Delaware avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.36%▲ 1.04% 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 14, 2026
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
Share Certificate (48-Month)
$0
3.11% ▲ 0.75% above Delaware avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.36%▲ 0.75% 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 14, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
48 Month Fixed Rate Certificate of Deposit (CDs)
$0
2.00% ▼ 0.36% below Delaware avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.36%▼ 0.36% 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 14, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
48 Month Fixed Rate Time Deposit/IRA
$500
0.40% ▼ 1.96% below Delaware avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.36%▼ 1.96% 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 14, 2026
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Share Certificate - 48 Months
$100
0.30% ▼ 2.06% below Delaware avg
View
▼
Rate0.30%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.36%▼ 2.06% 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 14, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate of Deposit
$1,000
0.05% ▼ 2.31% below Delaware avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.36%▼ 2.31% 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 14, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Jumbo Certificate of Deposit
$95,000
0.05% ▼ 2.31% below Delaware avg
View
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.36%▼ 2.31% 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 14, 2026

New Castle 60 Month CD Rates

Delaware 60 Month CD Average2.14% APYNational 2.91%▲ 0.07% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
235 Christiana Rd, New Castle, DE 19720
60 Month Share Certificate (Jumbo)
$25,000
3.75% ▲ 1.61% above Delaware avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.14%▲ 1.61% above avgNationally 2.91%
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 14, 2026
  • Oct 5, 20263.75%▲ from 2.52%
  • Sep 14, 20262.52%first recorded
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
118 Jestan Blvd, New Castle, DE 19720
60 Month Regular Certificates
$1,000
3.35% ▲ 1.21% above Delaware avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.14%▲ 1.21% above avgNationally 2.91%
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 14, 2026
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
235 Christiana Rd, New Castle, DE 19720
60 Month IRA Share Certificate
$500
3.29% ▲ 1.15% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.14%▲ 1.15% above avgNationally 2.91%
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 14, 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%
235 Christiana Rd, New Castle, DE 19720
60 Month Share Certificate
$500
3.29% ▲ 1.15% above Delaware avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.14%▲ 1.15% above avgNationally 2.91%
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 14, 2026
  • Oct 9, 20263.29%▲ from 2.42%
  • Sep 14, 20262.42%first recorded
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
499 Pulaski Hwy, New Castle, DE 19720
5 Year Business Share Certificates
$500
2.25% ▲ 0.11% above Delaware avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.14%▲ 0.11% above avgNationally 2.91%
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 14, 2026
Dover Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
499 Pulaski Hwy, New Castle, DE 19720
5 Year Share & IRA Certificates
$500
2.25% ▲ 0.11% above Delaware avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.14%▲ 0.11% above avgNationally 2.91%
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 14, 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% ▼ 1.59% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.14%▼ 1.59% below avgNationally 2.91%
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 14, 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% ▼ 1.59% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.14%▼ 1.59% below avgNationally 2.91%
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 14, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
60 Month IRA Certificate
$500
4.07% ▲ 1.93% above Delaware avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.14%▲ 1.93% above avgNationally 2.91%
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 14, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
60 Month CD
$0
3.70% ▲ 1.56% above Delaware avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.14%▲ 1.56% above avgNationally 2.91%
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 14, 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
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
60 Month Regular / IRA
$500
3.40% ▲ 1.26% above Delaware avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.14%▲ 1.26% above avgNationally 2.91%
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 14, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 60 MONTH
$0
3.40% ▲ 1.26% above Delaware avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.14%▲ 1.26% above avgNationally 2.91%
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 14, 2026
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
60 Month Certificate
$500
2.50% ▲ 0.36% above Delaware avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.14%▲ 0.36% above avgNationally 2.91%
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 14, 2026
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
60 Month Regular And IRA Share Certificates
$500
2.01% ▼ 0.13% below Delaware avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.14%▼ 0.13% below avgNationally 2.91%
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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
5 Year TD Choice CD (Promotional)
$250
2.00% ▼ 0.14% below Delaware avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.14%▼ 0.14% below avgNationally 2.91%
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 14, 2026
Artisans Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
60 Month Fixed Rate Certificate of Deposit (CDs)
$0
2.00% ▼ 0.14% below Delaware avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.14%▼ 0.14% below avgNationally 2.91%
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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
5 Year TD Choice CD (Non-Promotional)
$250
1.99% ▼ 0.15% below Delaware avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.14%▼ 0.15% below avgNationally 2.91%
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 14, 2026
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
60 mo Certificate
$1,000
1.31% ▼ 0.83% below Delaware avg
View
▼
Rate1.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.14%▼ 0.83% below avgNationally 2.91%
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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
5 Year - Relationship
$0
1.00% ▼ 1.14% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.14%▼ 1.14% below avgNationally 2.91%
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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
5 Year Certificate
$0
1.00% ▼ 1.14% below Delaware avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.14%▼ 1.14% below avgNationally 2.91%
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 14, 2026
TD Bank USA, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
5 Year TD Choice CD
$250
1.00% ▼ 1.14% below Delaware avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.14%▼ 1.14% below avgNationally 2.91%
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 14, 2026
Community Bank Delaware
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
60 Month Fixed Rate Time Deposit/IRA
$500
0.40% ▼ 1.74% below Delaware avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.14%▼ 1.74% below avgNationally 2.91%
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 14, 2026
Stepping Stones Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Share Certificate - 60 Months
$100
0.35% ▼ 1.79% below Delaware avg
View
▼
Rate0.35%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Delaware Average2.14%▼ 1.79% below avgNationally 2.91%
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 14, 2026
edU Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.00%
5 Year Share Certificates
$500
0.15% ▼ 1.99% below Delaware avg
View
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Delaware Average2.14%▼ 1.99% below avgNationally 2.91%
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 14, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate of Deposit
$1,000
0.05% ▼ 2.09% below Delaware avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.14%▼ 2.09% below avgNationally 2.91%
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 14, 2026
Applied Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Jumbo Certificate of Deposit
$95,000
0.05% ▼ 2.09% below Delaware avg
View
▼
Rate0.05%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Delaware Average2.14%▼ 2.09% below avgNationally 2.91%
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 14, 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 New Castle, 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%
TD Bank USA, National Association
24 Month TD Choice CD (Promotional)
A+ 5.0 ★ TX: 4.73%
Min: $250
4.30%
Artisans Bank
6 Month Certificate of Deposit
A+ 5.0 ★ TX: 5.99%
Min: $0
4.05%
Farmers Bank of Willards
60 Month CD
A 5.0 ★ TX: 6.46%
Min: $0
3.70%
CU Top 5 Credit Union Rates
Dexsta Federal Credit Union
18 Month Regular Certificates
A 5.0 ★ TX: 6.88%
Min: $1,000
4.07%
Dover Federal Credit Union
1 Year Business Share Certificates
A 5.0 ★ TX: 8.00%
Min: $500
4.00%
Community Powered Federal Credit Union
12 Month Share Certificate (Jumbo)
A+ 5.0 ★ TX: 3.08%
Min: $25,000
4.00%
Delaware State Police Federal Credit Union
12 Month Share Certificates
A+ 5.0 ★ TX: 4.25%
Min: $0
3.72%
New Castle County Delaware Employees Federal Credit Union
IRA Certificates - 12 Months
A+ 5.0 ★ TX: 0.00%
Min: $500
1.76%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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New Castle, DE CD Rate Trends

Compare local New Castle, DE 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
2.700%
▲ 0.118 vs 7 days ago

Delaware 12-month CD rates rose 0.118 points over the past 7 days to 2.700% APY.

6-Month CD DE Avg
2.575%
▲ 0.028 vs 7 days ago

Delaware 6-month CD rates rose 0.028 points over the past 7 days to 2.575% APY.

As of Oct 14, 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
2.700%
6-Month Forecast
2.700%
Range: 2.50%, 2.85%
12-Month Forecast
2.950%
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.

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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 1.946% $97.31 $194.62 $486.55 $973.10
6-Month CD 2.575% $128.73 $257.46 $643.65 $1,287.30
12-Month CD 2.700% $135.02 $270.03 $675.07 $1,350.15
18-Month CD 2.777% $138.83 $277.66 $694.15 $1,388.30
24-Month CD 2.500% $124.99 $249.98 $624.95 $1,249.90
36-Month CD 2.227% $111.34 $222.67 $556.68 $1,113.35
48-Month CD 2.361% $118.05 $236.09 $590.23 $1,180.45
60-Month CD 2.138% $106.91 $213.82 $534.55 $1,069.10
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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Sample CD Ladder for New Castle, 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 1.946% $97.31
2 6-Month CD $5,000 2.575% $128.73
3 12-Month CD $5,000 2.700% $135.02
4 24-Month CD $5,000 2.500% $124.99
5 36-Month CD $5,000 2.227% $111.34
Total ($25,000 invested) $25,000 2.390% blended $597.39/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
196
CD Rates
Tracked in New Castle, Delaware
8 Banks 14 Credit Unions

About Our New Castle, Delaware CD Rate Database

MonitorBankRates tracks 196 CD rates from 8 banks and 14 credit unions with locations in New Castle, 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: Dexsta Federal Credit Union offers a CD at 4.07% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in New Castle, Delaware.

How to Find the Best CD Rates in New Castle, Delaware

What to compare when shopping for a CD in New Castle, Delaware

To find the best APYs in New Castle, Delaware, start with credit unions and online-only banks: New Castle, 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 New Castle, 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 New Castle, Delaware: 22 institutions here report CD rates

Consider an Alternative If…

New Castle, Delaware Financial Snapshot

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

Population 65+
22.9%
National avg: 17.3%
Median Individual Earnings
$57,648
National avg: $47,340
Poverty Rate
4.7%
National avg: 11.1%
Unemployment Rate
1.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$156/yr
At DE 12-mo avg 2.700% APY

22.9% 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; a low unemployment rate of 1.3% reflects a strong local economy. At today’s DE 12-month CD average of 2.700%, saving 10% of the local median salary ($5,764/year) and putting it in a CD would earn an additional $156 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 New Castle, 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 New Castle, 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 New Castle, 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 New Castle, Delaware as everywhere in the U.S.

Choosing a CD Term in New Castle, 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 New Castle, Delaware savers easier access to their funds. For example, Community Powered Federal Credit Union is offering its 6 Month Share Certificate (Jumbo) at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Community Powered Federal Credit Union is offering its 60 Month Share Certificate (Jumbo) at 3.75% 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 New Castle, 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 New Castle, 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 New Castle, 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 New Castle, 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 New Castle, Delaware

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

Are CD rates in New Castle, Delaware FDIC insured?

Yes, most established banks in New Castle, 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 New Castle, 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 New Castle, 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 New Castle, 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 New Castle, Delaware?

Here are recent top rates found for this area:
  • Dexsta Federal Credit Union: 4.07% APY (18 Month Regular Certificates)
  • Dover Federal Credit Union: 4.00% APY (1 Year Business Share Certificates)
  • Community Powered Federal Credit Union: 4.00% APY (12 Month Share Certificate (Jumbo))
  • Delaware State Police Federal Credit Union: 3.72% APY (12 Month Share Certificates)
  • New Castle County Delaware Employees Federal Credit Union: 1.76% APY (IRA Certificates - 12 Months)
  • Union Building Trades Federal Credit Union: 0.55% APY (60 Month Share Certificate)
  • Comenity Bank: 4.45% APY (1-year CD)
  • HSBC Trust Company (Delaware): 4.45% APY (24 Month CD)
  • Franklin Mint Federal Credit Union: 4.35% APY (Certificate - 18 MONTH)
  • Priority Plus Federal Credit Union: 4.32% APY (48 mo Certificate)
Rates reflect recent verified offers available in New Castle, Delaware. Last Updated: October 13, 2026

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

Interest at Maturity
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Ending Balance
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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 New Castle, 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 New Castle, Delaware. Averages shown use the Delaware state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for New Castle, Delaware

New Castle, Delaware CD Calculator

At today’s DE top rate of 4.07% APY, a $10,000 deposit earns $407 in the first year. Enter your amount to see your exact return.

New Castle, Delaware CD Ladder

DE CD rates currently range from 1.946% (3-month) to 2.227% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a New Castle, Delaware CD at 4.07% 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 2.700% 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 New Castle, 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 New Castle, 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 New Castle, 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

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