District Of Columbia Best CD Rates October 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
District Of Columbia CD rates range from 0.01% to 6.00% APY, verified by MonitorBankRates as of October 13, 2026. Current District Of Columbia CD rates include Congressional Federal Credit UnionCongressional Federal Credit UnionRoom B 203, Washington, DC 20515A5.0 ★Texas Ratio: 8.63%Real return: +3.20%APY minus CPI (February 2026) offering Flexible Saver - 1 Year Certificate at 6.00% APY, NATIONAL INSTITUTES OF HEALTHNATIONAL INSTITUTES OF HEALTH5215 Loughboro Rd NW, Washington, DC 20016A+5.0 ★Texas Ratio: 4.98%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Jumbo Certificate at 5.00% APY, Government Printing Office Federal Credit UnionGovernment Printing Office Federal Credit Union732 N Capitol ST NW, Washington, DC 20401 0002A+5.0 ★Texas Ratio: 3.95%Real return: +1.82%APY minus CPI (February 2026) offering 6 Month Certificate at 4.62% APY, PAHO WHO Federal Credit UnionPAHO WHO Federal Credit Union2112 F St NW, Washington, DC 20037A+5.0 ★Texas Ratio: 2.02%Real return: +1.79%APY minus CPI (February 2026) offering 36 Month IRA Certificate at 4.59% APY, and NASA Federal Credit UnionNASA Federal Credit Union300 E St SW Ste GC 21, Washington, DC 20024A+5.0 ★Texas Ratio: 3.54%Real return: +1.75%APY minus CPI (February 2026) offering 60 Month Share Certificate at 4.55% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in District Of Columbia side-by-side. District Of Columbia CD rates currently reach as high as 6.00% APY from Congressional Federal Credit Union at Room B 203, Washington, DC 20515. 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 District Of Columbia
District Of Columbia 3 Month CD Rates
MonitorBankRates District Of Columbia Average · 3 Month CD1.70% APY▲ 0.01% from last weekNational 2.09%
The average 3-month CD rate in District Of Columbia is 1.70% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
3 Month Certificate
$500
3.88%
▲ 2.18% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average1.70%▲ 2.18% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.88% APY · checked 7 times
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1432 U St Nw, Washington, DC 20009
3 Month CD
$1,000
3.75%
▲ 2.05% above District Of Columbia avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average1.70%▲ 2.05% above avgNationally 2.09%
Details
Rate History
1 change since Sep 8, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 2, 20263.75%▲ from 3.50%
- Sep 8, 20263.50%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
3 Month Certificate
$1,000
3.65%
▲ 1.95% above District Of Columbia avg
▼
Rate3.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average1.70%▲ 1.95% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
3 Month Certificate
$500
3.62%
▲ 1.92% above District Of Columbia avg
▼
Rate3.56%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average1.70%▲ 1.92% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.63% APY · checked 7 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
90 days/13 weeks
$10,000
3.50%
▲ 1.80% above District Of Columbia avg
▼
Rate3.44%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average1.70%▲ 1.80% above avgNationally 2.09%
Details
Visit or Call
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1432 U St Nw, Washington, DC 20009
3 Month CD
$1,000
3.50%
▲ 1.80% above District Of Columbia avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average1.70%▲ 1.80% above avgNationally 2.09%
Details
Rate History
No change since Sep 8, 2026 · 3.50% APY · checked 8 times
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1432 U St Nw, Washington, DC 20009
3 Month IRA CD (91-Day)
$1,000
3.50%
▲ 1.80% above District Of Columbia avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average1.70%▲ 1.80% above avgNationally 2.09%
Details
Rate History
No change since Sep 8, 2026 · 3.50% APY · checked 8 times
Department of The Interior Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
1849 C ST NW RM B038, Washington, DC 20240
3 Month Certificate
$500
3.04%
▲ 1.34% above District Of Columbia avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average1.70%▲ 1.34% above avgNationally 2.09%
Details
Rate History
No change since Oct 4, 2026 · 3.04% APY · checked 3 times
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1025 Connecticut Ave Nw Fl 1, Washington, DC 20036
Standard CDs and IRAs - 3 Month
$0
3.00%
▲ 1.30% above District Of Columbia avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average1.70%▲ 1.30% above avgNationally 2.09%
Details
Schedule an Appointment
Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
Jumbo - 90 Day Certificate
$100,000
2.90%
▲ 1.20% above District Of Columbia avg
▼
Rate2.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average1.70%▲ 1.20% above avgNationally 2.09%
Details
Rate History
No change since Oct 8, 2026 · 2.90% APY · checked 2 times
The National Capital Bank of Washington
Institution Rating:
A-5.0 ★Texas Ratio: 14.51%
316 Pennsylvania Ave Se, Washington, DC 20003
Platinum Account Holders Certificates of Deposit 3 Months
$1,000
1.36%
▼ 0.34% below District Of Columbia avg
▼
Rate1.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
District Of Columbia Average1.70%▼ 0.34% below avgNationally 2.09%
Details
Early Withdrawl Penalty: 30 days' simple interest
Rate History
No change since Sep 19, 2026 · 1.36% APY · checked 7 times
The National Capital Bank of Washington
Institution Rating:
A-5.0 ★Texas Ratio: 14.51%
316 Pennsylvania Ave Se, Washington, DC 20003
Certificates of Deposit 3 Months
$1,000
1.26%
▼ 0.44% below District Of Columbia avg
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
District Of Columbia Average1.70%▼ 0.44% below avgNationally 2.09%
Details
Early Withdrawl Penalty: 30 days' simple interest
Rate History
No change since Sep 7, 2026 · 1.26% APY · checked 8 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
Jumbo Share Certificate - 3 month
$100,000
1.12%
▼ 0.58% below District Of Columbia avg
▼
Rate1.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average1.70%▼ 0.58% below avgNationally 2.09%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 1.12% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
Jumbo Traditional and Roth IRA Certificate - 3 month
$100,000
1.12%
▼ 0.58% below District Of Columbia avg
▼
Rate1.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average1.70%▼ 0.58% below avgNationally 2.09%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 1.12% APY
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
441 G St NW Rm 1100, Washington, DC 20548 0001
3 Month Business Share Certificates Plus Jumbo
$0
1.11%
▼ 0.59% below District Of Columbia avg
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average1.70%▼ 0.59% below avgNationally 2.09%
Details
$200,000; Balance: $200,000 Plus Jumbo
Rate History
No change since Oct 7, 2026 · 1.11% APY · checked 2 times
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
441 G St NW Rm 1100, Washington, DC 20548 0001
3 Month Smart Share Certificate Plus Jumbo
$0
1.11%
▼ 0.59% below District Of Columbia avg
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average1.70%▼ 0.59% below avgNationally 2.09%
Details
$200,000; Balance: $200,000 Plus Jumbo
Rate History
No change since Sep 24, 2026 · 1.11% APY · checked 4 times
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
441 G St NW Rm 1100, Washington, DC 20548 0001
3 Month Business Share Certificates
$0
1.06%
▼ 0.64% below District Of Columbia avg
▼
Rate1.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average1.70%▼ 0.64% below avgNationally 2.09%
Details
$100,000 -$199,999; Balance: $100,000 -$199,999
Rate History
No change since Oct 7, 2026 · 1.06% APY · checked 2 times
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
441 G St NW Rm 1100, Washington, DC 20548 0001
3 Month Smart Share Certificate
$0
1.06%
▼ 0.64% below District Of Columbia avg
▼
Rate1.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average1.70%▼ 0.64% below avgNationally 2.09%
Details
$100,000 -$199,999; Balance: $100,000 - $199,999
Rate History
No change since Sep 24, 2026 · 1.06% APY · checked 4 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
Share Certificate - 3 month
$500
1.02%
▼ 0.68% below District Of Columbia avg
▼
Rate1.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average1.70%▼ 0.68% below avgNationally 2.09%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 1.12% → 1.02% ▼ 0.10 pts · high 1.12% / low 1.02%
- Oct 12, 20261.02%▼ from 1.12%
- Sep 25, 20261.12%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
Traditional and Roth IRA Certificate - 3 month
$500
1.02%
▼ 0.68% below District Of Columbia avg
▼
Rate1.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average1.70%▼ 0.68% below avgNationally 2.09%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 1.02% APY
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
441 G St NW Rm 1100, Washington, DC 20548 0001
3 Month Business Share Certificates
$0
1.01%
▼ 0.69% below District Of Columbia avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average1.70%▼ 0.69% below avgNationally 2.09%
Details
$99,999; Balance: less than $99,999
Rate History
1 change since Sep 18, 2026 · 1.06% → 1.01% ▼ 0.05 pts · high 1.06% / low 1.01%
- Sep 24, 20261.01%▼ from 1.06%
- Sep 18, 20261.06%first recorded
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
441 G St NW Rm 1100, Washington, DC 20548 0001
3 Month Smart Share Certificate
$0
1.01%
▼ 0.69% below District Of Columbia avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average1.70%▼ 0.69% below avgNationally 2.09%
Details
$99,999; Balance: less than $99,999
Rate History
No change since Sep 24, 2026 · 1.01% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1753 Connecticut Ave Nw, Washington, DC 20009
3 Month - Relationship
$0
1.00%
▼ 0.70% below District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average1.70%▼ 0.70% 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
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1753 Connecticut Ave Nw, Washington, DC 20009
3 Month Certificate
$0
1.00%
▼ 0.70% below District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average1.70%▼ 0.70% below avgNationally 2.09%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1753 Connecticut Ave Nw, Washington, DC 20009
3 Month TD Choice CD
$250
1.00%
▼ 0.70% below District Of Columbia avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average1.70%▼ 0.70% below avgNationally 2.09%
Details
Relationship APY; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1717 DeSales St NW, Washington, DC 20036
Investment Share and IRA Certificates - 3 Months
$0
1.00%
▼ 0.70% below District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average1.70%▼ 0.70% below avgNationally 2.09%
Details
Rates accurate as of 9/23/26; A penalty may be imposed for early withdrawal
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 4 times
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1825 K St Nw, Washington, DC 20006
3 Month IRA CD
$500
0.70%
▼ 1.00% below District Of Columbia avg
▼
Rate0.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average1.70%▼ 1.00% below avgNationally 2.09%
Details
Balance: $500-$249,999.99
Rate History
1 change since Sep 18, 2026 · 0.55% → 0.70% ▲ 0.15 pts · high 0.70% / low 0.55%
- Sep 27, 20260.70%▲ from 0.55%
- Sep 18, 20260.55%first recorded
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
1101 2nd St NE, Washington, DC 20002 3403
3 Month Certificate
$0
0.65%
▼ 1.05% below District Of Columbia avg
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average1.70%▼ 1.05% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 6 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
1001 G St Nw, Washington, DC 20001
3 Month CD
$500
0.50%
▼ 1.20% below District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average1.70%▼ 1.20% below avgNationally 2.09%
Details
Rate History
No change since Sep 9, 2026 · 0.50% APY · checked 3 times
Presidential Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.48%
1660 K St Nw, Washington, DC 20006
90 Day CD
$1,000
0.10%
▼ 1.60% below District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average1.70%▼ 1.60% below avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 6 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1350 New York Ave Nw, Washington, DC 20005
3 month Standard Fixed Rate
$2,500
0.06%
▼ 1.64% below District Of Columbia avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average1.70%▼ 1.64% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1350 New York Ave Nw, Washington, DC 20005
3 month Standard Interest Rate
$2,500
0.06%
▼ 1.64% below District Of Columbia avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average1.70%▼ 1.64% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1350 New York Ave Nw, Washington, DC 20005
3 month Standard Fixed Rate
$2,500
0.05%
▼ 1.65% below District Of Columbia avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average1.70%▼ 1.65% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3806 12th St Ne, Washington, DC 20017
3 Month Certificate of Deposit
$0
0.03%
▼ 1.67% below District Of Columbia avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average1.70%▼ 1.67% below avgNationally 2.09%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3806 12th St Ne, Washington, DC 20017
3 Month Certificate of Deposit
$0
0.02%
▼ 1.68% below District Of Columbia avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average1.70%▼ 1.68% below avgNationally 2.09%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Business Share Certificates - 3 Months
$500
0.02%
▼ 1.68% below District Of Columbia avg
▼
Rate0.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average1.70%▼ 1.68% below avgNationally 2.09%
Details
Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 0.02% APY · checked 2 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Share Certificates - 3 Months
$500
0.02%
▼ 1.68% below District Of Columbia avg
▼
Rate0.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average1.70%▼ 1.68% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3806 12th St Ne, Washington, DC 20017
3 Month Certificate of Deposit
$0
0.01%
▼ 1.69% below District Of Columbia avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average1.70%▼ 1.69% below avgNationally 2.09%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
District Of Columbia 6 Month CD Rates
MonitorBankRates District Of Columbia Average · 6 Month CD3.05% APY▲ 0.04% from last weekNational 2.78%
The average 6-month CD rate in District Of Columbia is 3.05% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
6 Month Youth Saver Certificate
$500
5.00%
▲ 1.95% above District Of Columbia avg
▼
Rate4.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.05%▲ 1.95% above avgNationally 2.78%
Details
Rate History
No change since Oct 10, 2026 · 5.00% APY
Government Printing Office Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
732 N Capitol ST NW, Washington, DC 20401 0002
6 Month Certificate
$500
4.62%
▲ 1.57% above District Of Columbia avg
▼
Rate4.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.05%▲ 1.57% above avgNationally 2.78%
Details
Rate History
1 change since Oct 8, 2026 · 2.52% → 4.62% ▲ 2.09 pts · high 4.62% / low 2.52%
- Oct 12, 20264.62%▲ from 2.52%
- Oct 8, 20262.52%first recorded
Government Printing Office Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
732 N Capitol ST NW, Washington, DC 20401 0002
6 Month IRA Certificate
$500
4.62%
▲ 1.57% above District Of Columbia avg
▼
Rate4.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.05%▲ 1.57% above avgNationally 2.78%
Details
Rate History
1 change since Oct 8, 2026 · 2.52% → 4.62% ▲ 2.09 pts · high 4.62% / low 2.52%
- Oct 12, 20264.62%▲ from 2.52%
- Oct 8, 20262.52%first recorded
Government Printing Office Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
732 N Capitol ST NW, Washington, DC 20401 0002
Jumbo Share Certificates - 6 months
$25,000
4.62%
▲ 1.57% above District Of Columbia avg
▼
Rate4.54%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.05%▲ 1.57% above avgNationally 2.78%
Details
Rate History
1 change since Oct 8, 2026 · 2.52% → 4.62% ▲ 2.09 pts · high 4.62% / low 2.52%
- Oct 12, 20264.62%▲ from 2.52%
- Oct 8, 20262.52%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4860 Massachusetts Ave Nw, Washington, DC 20016
6 Month 360 CDs
$0
4.30%
▲ 1.25% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.05%▲ 1.25% above avgNationally 2.78%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
300 E St SW Ste GC 21, Washington, DC 20024
6 Month Share Certificate
$0
4.30%
▲ 1.25% above District Of Columbia avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.05%▲ 1.25% above avgNationally 2.78%
Details
Balance: $1,000
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Sep 27, 20264.30%▲ from 4.00%
- Sep 18, 20264.00%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
6 Month CD
$1,000
4.20%
▲ 1.15% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.05%▲ 1.15% above avgNationally 2.78%
Details
The Annual Percentage Yield (APY) is accurate as of 09/24/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
6 Month Certificate
$1,000
4.20%
▲ 1.15% above District Of Columbia avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.05%▲ 1.15% above avgNationally 2.78%
Details
Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
6 Month IRA Certificate
$0
4.13%
▲ 1.08% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.05%▲ 1.08% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 3 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
6 Month Share Certificate
$0
4.13%
▲ 1.08% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.05%▲ 1.08% above avgNationally 2.78%
Details
Balance: $1M+
Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
802 7th St Nw, Washington, DC 20001
6 Month CD
$1,000
4.05%
▲ 1.00% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.05%▲ 1.00% above avgNationally 2.78%
Details
New Money CDs
Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
802 7th St Nw, Washington, DC 20001
6 Month New Money CD
$1,000
4.05%
▲ 1.00% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.05%▲ 1.00% above avgNationally 2.78%
Details
Exclusively for Premier clients.
Rate History
No change since Sep 27, 2026 · 4.05% APY · checked 4 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
6 months/26 weeks
$10,000
4.05%
▲ 1.00% above District Of Columbia avg
▼
Rate3.97%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.05%▲ 1.00% above avgNationally 2.78%
Details
Visit or Call
Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
802 7th St Nw, Washington, DC 20001
6 Month CD
$1,000
4.00%
▲ 0.95% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.05%▲ 0.95% above avgNationally 2.78%
Details
Online CDs
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
802 7th St Nw, Washington, DC 20001
6 Month Online CD
$1,000
4.00%
▲ 0.95% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.05%▲ 0.95% above avgNationally 2.78%
Details
Minimum balance to open and obtain APY is $1000.
Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
2001 M St Nw, Washington, DC 20036
Special 6-Month Fixed Rate
$0
4.00%
▲ 0.95% above District Of Columbia avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.05%▲ 0.95% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
Educational 6 Month Share Certificate
$500
3.95%
▲ 0.90% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.05%▲ 0.90% above avgNationally 2.78%
Details
Educational IRA
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45%
- Oct 5, 20263.95%▲ from 3.45%
- Sep 14, 20263.45%first recorded
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
Board of Governors of the Federal Reserve System, Washington, DC 20551
6 Month Term Shares Certificate
$0
3.89%
▲ 0.84% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.05%▲ 0.84% above avgNationally 2.78%
Details
Rate History
No change since Sep 25, 2026 · 3.89% APY · checked 4 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
6 Month Share Certificate
$0
3.87%
▲ 0.82% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.05%▲ 0.82% above avgNationally 2.78%
Details
Balance: $250,000-$999,999
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 5 times
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.15%
1130 Connecticut Ave Nw, Washington, DC 20036
6 Month CD
$500
3.85%
▲ 0.80% above District Of Columbia avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.05%▲ 0.80% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 6 times
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1432 U St Nw, Washington, DC 20009
6 Month CD
$1,000
3.85%
▲ 0.80% above District Of Columbia avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.05%▲ 0.80% above avgNationally 2.78%
Details
Rate History
1 change since Sep 8, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70%
- Oct 2, 20263.85%▲ from 3.70%
- Sep 8, 20263.70%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Business Share Certificates - 6 Months
$500
3.82%
▲ 0.77% above District Of Columbia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.05%▲ 0.77% above avgNationally 2.78%
Details
Penalties apply for early withdrawal
Rate History
1 change since Oct 4, 2026 · 4.25% → 3.82% ▼ 0.43 pts · high 4.25% / low 3.82%
- Oct 12, 20263.82%▼ from 4.25%
- Oct 4, 20264.25%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Share Certificates - 6 Months
$500
3.82%
▲ 0.77% above District Of Columbia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.05%▲ 0.77% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 5 times
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1717 DeSales St NW, Washington, DC 20036
Investment Share and IRA Certificates - 6 Months
$0
3.75%
▲ 0.70% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.05%▲ 0.70% above avgNationally 2.78%
Details
Rates accurate as of 9/23/26; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 5, 20263.75%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Department of The Interior Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
1849 C ST NW RM B038, Washington, DC 20240
6 Month Certificate
$500
3.71%
▲ 0.66% above District Of Columbia avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.05%▲ 0.66% above avgNationally 2.78%
Details
Rate History
No change since Oct 4, 2026 · 3.71% APY · checked 3 times
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1432 U St Nw, Washington, DC 20009
6 Month CD
$1,000
3.70%
▲ 0.65% above District Of Columbia avg
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.05%▲ 0.65% above avgNationally 2.78%
Details
Rate History
No change since Sep 8, 2026 · 3.70% APY · checked 8 times
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1432 U St Nw, Washington, DC 20009
6 Month IRA CD (182-Day)
$1,000
3.70%
▲ 0.65% above District Of Columbia avg
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.05%▲ 0.65% above avgNationally 2.78%
Details
Rate History
No change since Sep 8, 2026 · 3.70% APY · checked 8 times
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
6 Month Share Certificates
$0
3.70%
▲ 0.65% above District Of Columbia avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.05%▲ 0.65% above avgNationally 2.78%
Details
Balance: $250,000 and Over (Super Jumbo)
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50%
- Oct 5, 20263.70%▲ from 3.50%
- Sep 18, 20263.50%first recorded
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
6 Month Jumbo Certificate
$0
3.64%
▲ 0.59% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.05%▲ 0.59% above avgNationally 2.78%
Details
Rate History
No change since Sep 25, 2026 · 3.64% APY · checked 4 times
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
6 Month Certificate
$500
3.62%
▲ 0.57% above District Of Columbia avg
▼
Rate3.56%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.05%▲ 0.57% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 3.63% APY · checked 6 times
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
Jumbo - 6 Month Certificate
$100,000
3.60%
▲ 0.55% above District Of Columbia avg
▼
Rate3.53%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.05%▲ 0.55% above avgNationally 2.78%
Details
Rate History
No change since Sep 20, 2026 · 3.60% APY · checked 5 times
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
6 Month Share Certificates
$0
3.60%
▲ 0.55% above District Of Columbia avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.05%▲ 0.55% above avgNationally 2.78%
Details
Balance: $100,000 - $249,999.99 (Jumbo)
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45%
- Oct 5, 20263.60%▲ from 3.45%
- Sep 18, 20263.45%first recorded
AFL-CIO Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
555 New Jersey Ave NW, Washington, DC 20001
6 Month Traditional Term Share Certificate
$500
3.56%
▲ 0.51% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.05%▲ 0.51% above avgNationally 2.78%
Details
Min to Earn APY: $100.01; Rates fixed for the term of the certificate; dividends compounded and credited quarterly
Rate History
No change since Sep 12, 2026 · 3.56% APY · checked 6 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
6 Month Certificate
$0
3.55%
▲ 0.50% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.05%▲ 0.50% above avgNationally 2.78%
Details
Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 4 times
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
6 Month Certificate
$1,000
3.50%
▲ 0.45% above District Of Columbia avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.05%▲ 0.45% above avgNationally 2.78%
Details
Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 5 times
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
6 Month Share Certificates
$0
3.50%
▲ 0.45% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.05%▲ 0.45% above avgNationally 2.78%
Details
Balance: $1,000 - $99,999.99 (Regular)
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
- Oct 5, 20263.50%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
441 G St NW Ste 3M54, Washington, DC 20548 0001
Share Certificate - 6 Months
$500
3.49%
▲ 0.44% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.05%▲ 0.44% above avgNationally 2.78%
Details
Share Certificate, IRA, and Coverdell Education Share Certificate Rates; Not available for IRA accounts
Rate History
No change since Oct 12, 2026 · 3.49% APY
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
6 Month Share Certificate
$0
3.45%
▲ 0.40% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.05%▲ 0.40% above avgNationally 2.78%
Details
Balance: $100,000-$249,999
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.45% ▲ 0.05 pts · high 3.45% / low 3.40%
- Oct 1, 20263.45%▲ from 3.40%
- Sep 14, 20263.40%first recorded
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
6 Month Share Certificate
$0
3.40%
▲ 0.35% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.05%▲ 0.35% above avgNationally 2.78%
Details
Balance: $500-$99,999
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.40% ▲ 0.05 pts · high 3.40% / low 3.35%
- Oct 1, 20263.40%▲ from 3.35%
- Sep 14, 20263.35%first recorded
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
6 Month Certificate
$500
3.38%
▲ 0.33% above District Of Columbia avg
▼
Rate3.32%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.05%▲ 0.33% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 3.38% APY · checked 6 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4860 Massachusetts Ave Nw, Washington, DC 20016
6 Month Certificate
$0
3.30%
▲ 0.25% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.05%▲ 0.25% above avgNationally 2.78%
Details
Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
Bank Fund Staff Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
1725 I St NW, WASHINGTON, DC 20006
Share Certificates - 6-MONTH JUMBO
$0
3.25%
▲ 0.20% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.05%▲ 0.20% above avgNationally 2.78%
Details
Jumbo certificate
Rate History
No change since Oct 12, 2026 · 3.25% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
Jumbo Share Certificate - 6 month
$100,000
3.16%
▲ 0.11% above District Of Columbia avg
▼
Rate3.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.05%▲ 0.11% above avgNationally 2.78%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.16% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
Jumbo Traditional and Roth IRA Certificate - 6 month
$100,000
3.16%
▲ 0.11% above District Of Columbia avg
▼
Rate3.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.05%▲ 0.11% above avgNationally 2.78%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.16% APY
GSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1800 F St NW # 1211, Washington, DC 20405 0001
6 month Share Certificate
$0
3.14%
▲ 0.09% above District Of Columbia avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.05%▲ 0.09% above avgNationally 2.78%
Details
The Share Certificate rates reflect rates earned with a minimum monthly direct deposit of $200. Accounts that do not have the minimum direct deposit will receive .25% reduction to the disclosed rate.; 6 month Share Certificate has a cap of $100,000.
Rate History
No change since Oct 8, 2026 · 3.14% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
6 Month Share Certificate
$50,000
3.05%
At District Of Columbia avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.05%At the averageNationally 2.78%
Details
FedPerks APY: 3.30%
Rate History
No change since Oct 8, 2026 · 3.05% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
Share Certificate - 6 month
$500
3.05%
At District Of Columbia avg
▼
Rate3.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.05%At the averageNationally 2.78%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 3.16% → 3.05% ▼ 0.11 pts · high 3.16% / low 3.05%
- Oct 12, 20263.05%▼ from 3.16%
- Sep 25, 20263.16%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
Traditional and Roth IRA Certificate - 6 month
$500
3.05%
At District Of Columbia avg
▼
Rate3.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.05%At the averageNationally 2.78%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 3.05% APY
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1825 K St Nw, Washington, DC 20006
6 Month IRA CD
$500
3.04%
▼ 0.01% below District Of Columbia avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.05%▼ 0.01% below avgNationally 2.78%
Details
Balance: $500-$249,999.99
Rate History
1 change since Sep 18, 2026 · 2.89% → 3.04% ▲ 0.15 pts · high 3.04% / low 2.89%
- Sep 27, 20263.04%▲ from 2.89%
- Sep 18, 20262.89%first recorded
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1825 K St Nw, Washington, DC 20006
6 Month Certificate of Deposit
$500
3.02%
▼ 0.03% below District Of Columbia avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.05%▼ 0.03% below avgNationally 2.78%
Details
Balance: $500-$249,999.99
Rate History
No change since Oct 7, 2026 · 3.02% APY · checked 2 times
District Of Columbia 12 Month CD Rates
MonitorBankRates District Of Columbia Average · 12 Month CD3.40% APYUnchanged from last weekNational 2.99%
The average 12-month CD rate in District Of Columbia is 3.40% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
Flexible Saver - 1 Year Certificate
$100
6.00%
▲ 2.60% above District Of Columbia avg
▼
Rate5.83%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.40%▲ 2.60% above avgNationally 2.99%
Details
Rate History
No change since Sep 20, 2026 · 6.00% APY · checked 5 times
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
12 Month Jumbo Certificate
$100,000
5.00%
▲ 1.60% above District Of Columbia avg
▼
Rate4.88%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.40%▲ 1.60% above avgNationally 2.99%
Details
12-month jumbo certificate cannot be opened online. Visit any branch or call 1-800-877-6440 for support.
Rate History
No change since Oct 6, 2026 · 5.00% APY · checked 2 times
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
12 Month Jumbo Certificate
$100,000
4.75%
▲ 1.35% above District Of Columbia avg
▼
Rate4.64%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.40%▲ 1.35% above avgNationally 2.99%
Details
12-month jumbo certificate cannot be opened online. Visit any branch or call 1-800-877-6440 for support.
Rate History
1 change since Oct 6, 2026 · 5.00% → 4.75% ▼ 0.25 pts · high 5.00% / low 4.75%
- Oct 10, 20264.75%▼ from 5.00%
- Oct 6, 20265.00%first recorded
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
12 Month Certificate
$500
4.50%
▲ 1.10% above District Of Columbia avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.40%▲ 1.10% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.00% → 4.50% ▲ 1.50 pts · high 4.50% / low 3.00%
- Oct 6, 20264.50%▲ from 3.00%
- Sep 18, 20263.00%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
12 Month CD
$1,000
4.45%
▲ 1.05% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.40%▲ 1.05% above avgNationally 2.99%
Details
The Annual Percentage Yield (APY) is accurate as of 09/24/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.
Rate History
No change since Sep 18, 2026 · 4.45% APY · checked 6 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
12 Month Certificate
$1,000
4.45%
▲ 1.05% above District Of Columbia avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.40%▲ 1.05% above avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 4.45% APY · checked 2 times
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
1 Year Certificate - Special Rate
$1,000
4.40%
▲ 1.00% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.40%▲ 1.00% above avgNationally 2.99%
Details
Special Rate (APY)
Rate History
No change since Oct 12, 2026 · 4.40% APY
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
200 Constitution Ave NW, Washington, DC 20210
Share and IRA Certificates - 1 year Paycheck Certificate Promo
$0
4.37%
▲ 0.97% above District Of Columbia avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.40%▲ 0.97% above avgNationally 2.99%
Details
Paycheck Certificate Promo; Available for IRAs and Coverdell Education Savings Accounts; early withdrawal penalty may apply
Rate History
No change since Oct 12, 2026 · 4.37% APY
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
802 7th St Nw, Washington, DC 20001
12 Month CD
$1,000
4.35%
▲ 0.95% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.40%▲ 0.95% above avgNationally 2.99%
Details
New Money CDs
Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
802 7th St Nw, Washington, DC 20001
12 Month New Money CD
$1,000
4.35%
▲ 0.95% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.40%▲ 0.95% above avgNationally 2.99%
Details
Exclusively for Premier clients.
Rate History
No change since Sep 27, 2026 · 4.35% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4251 Suitland Rd Ste 2N100, Washington, DC 20395
12 Month Special EasyStart Certificate
$50
4.35%
▲ 0.95% above District Of Columbia avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.40%▲ 0.95% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
300 E St SW Ste GC 21, Washington, DC 20024
12 Month Share Certificate
$0
4.35%
▲ 0.95% above District Of Columbia avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.40%▲ 0.95% above avgNationally 2.99%
Details
Balance: $1,000
Rate History
1 change since Sep 18, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
- Sep 27, 20264.35%▲ from 4.05%
- Sep 18, 20264.05%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4860 Massachusetts Ave Nw, Washington, DC 20016
12 Month 360 CDs
$0
4.30%
▲ 0.90% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.40%▲ 0.90% above avgNationally 2.99%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
802 7th St Nw, Washington, DC 20001
12 Month CD
$1,000
4.30%
▲ 0.90% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.40%▲ 0.90% above avgNationally 2.99%
Details
Online CDs
Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
802 7th St Nw, Washington, DC 20001
12 Month Online CD
$1,000
4.30%
▲ 0.90% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.40%▲ 0.90% above avgNationally 2.99%
Details
Minimum balance to open and obtain APY is $1000.
Rate History
No change since Sep 27, 2026 · 4.30% APY · checked 4 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
12 months/52 weeks
$10,000
4.30%
▲ 0.90% above District Of Columbia avg
▼
Rate4.21%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.40%▲ 0.90% above avgNationally 2.99%
Details
Visit or Call
Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
300 E St SW Ste GC 21, Washington, DC 20024
12 Month Share Certificate
$0
4.25%
▲ 0.85% above District Of Columbia avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.40%▲ 0.85% above avgNationally 2.99%
Details
Add-On; Balance: $250
Rate History
1 change since Sep 18, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
- Oct 7, 20264.25%▲ from 3.95%
- Sep 18, 20263.95%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Business Share Certificates - 12 Months
$500
4.25%
▲ 0.85% above District Of Columbia avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.40%▲ 0.85% above avgNationally 2.99%
Details
Penalties apply for early withdrawal
Rate History
1 change since Oct 4, 2026 · 4.30% → 4.25% ▼ 0.05 pts · high 4.30% / low 4.25%
- Oct 12, 20264.25%▼ from 4.30%
- Oct 4, 20264.30%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Share Certificates - 12 Months
$500
4.25%
▲ 0.85% above District Of Columbia avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.40%▲ 0.85% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
- Oct 4, 20264.25%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Traditional IRA Certificates - 12 Months
$500
4.25%
▲ 0.85% above District Of Columbia avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.40%▲ 0.85% above avgNationally 2.99%
Details
Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
12 Month Certificate
$500
4.25%
▲ 0.85% above District Of Columbia avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.40%▲ 0.85% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00%
- Oct 6, 20264.25%▲ from 3.00%
- Sep 18, 20263.00%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
457 Lenfant Plz SW, Washington, DC 20024 2111
IRA Certificate - 1 Year Starter Add-On
$0
4.25%
▲ 0.85% above District Of Columbia avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.40%▲ 0.85% above avgNationally 2.99%
Details
Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 2 times
Government Printing Office Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
732 N Capitol ST NW, Washington, DC 20401 0002
12 Month Certificate
$500
4.14%
▲ 0.74% above District Of Columbia avg
▼
Rate4.08%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.40%▲ 0.74% above avgNationally 2.99%
Details
Rate History
1 change since Oct 8, 2026 · 2.78% → 4.14% ▲ 1.36 pts · high 4.14% / low 2.78%
- Oct 12, 20264.14%▲ from 2.78%
- Oct 8, 20262.78%first recorded
Government Printing Office Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
732 N Capitol ST NW, Washington, DC 20401 0002
12 Month IRA Certificate
$500
4.14%
▲ 0.74% above District Of Columbia avg
▼
Rate4.08%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.40%▲ 0.74% above avgNationally 2.99%
Details
Rate History
1 change since Oct 8, 2026 · 2.78% → 4.14% ▲ 1.36 pts · high 4.14% / low 2.78%
- Oct 12, 20264.14%▲ from 2.78%
- Oct 8, 20262.78%first recorded
Government Printing Office Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
732 N Capitol ST NW, Washington, DC 20401 0002
Jumbo Share Certificates - 12 months
$25,000
4.14%
▲ 0.74% above District Of Columbia avg
▼
Rate4.08%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.40%▲ 0.74% above avgNationally 2.99%
Details
Rate History
1 change since Oct 8, 2026 · 2.78% → 4.14% ▲ 1.36 pts · high 4.14% / low 2.78%
- Oct 12, 20264.14%▲ from 2.78%
- Oct 8, 20262.78%first recorded
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
12 Month IRA Certificate
$0
4.13%
▲ 0.73% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.40%▲ 0.73% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 3 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
12 Month Share Certificate
$0
4.13%
▲ 0.73% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.40%▲ 0.73% above avgNationally 2.99%
Details
Balance: $1M+
Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 5 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
2001 M St Nw, Washington, DC 20036
Special 12-Month Fixed Rate
$0
4.11%
▲ 0.71% above District Of Columbia avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.40%▲ 0.71% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 4.11% APY · checked 6 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
12 Month Jumbo Certificate
$0
4.10%
▲ 0.70% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.40%▲ 0.70% above avgNationally 2.99%
Details
Rate History
1 change since Sep 25, 2026 · 3.84% → 4.10% ▲ 0.26 pts · high 4.10% / low 3.84%
- Oct 4, 20264.10%▲ from 3.84%
- Sep 25, 20263.84%first recorded
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
Educational 12 Month Share Certificate
$100,000
4.10%
▲ 0.70% above District Of Columbia avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.40%▲ 0.70% above avgNationally 2.99%
Details
Educational IRA
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
- Oct 5, 20264.10%▲ from 3.60%
- Sep 14, 20263.60%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
457 Lenfant Plz SW, Washington, DC 20024 2111
1 Year Add-On Certificate
$0
4.10%
▲ 0.70% above District Of Columbia avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.40%▲ 0.70% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
457 Lenfant Plz SW, Washington, DC 20024 2111
Starter Certificate - 1 Year Add-On
$0
4.10%
▲ 0.70% above District Of Columbia avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.40%▲ 0.70% above avgNationally 2.99%
Details
Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 2 times
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
Board of Governors of the Federal Reserve System, Washington, DC 20551
12 Month Term Shares Certificate
$0
4.08%
▲ 0.68% above District Of Columbia avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.40%▲ 0.68% above avgNationally 2.99%
Details
Rate History
1 change since Sep 25, 2026 · 3.70% → 4.08% ▲ 0.38 pts · high 4.08% / low 3.70%
- Oct 4, 20264.08%▲ from 3.70%
- Sep 25, 20263.70%first recorded
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
12 Month IRA Certificate
$0
4.05%
▲ 0.65% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.40%▲ 0.65% above avgNationally 2.99%
Details
Minimum Balances of $500
Rate History
1 change since Sep 25, 2026 · 3.79% → 4.05% ▲ 0.26 pts · high 4.05% / low 3.79%
- Oct 4, 20264.05%▲ from 3.79%
- Sep 25, 20263.79%first recorded
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
Educational 12 Month Share Certificate
$25,000
4.05%
▲ 0.65% above District Of Columbia avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.40%▲ 0.65% above avgNationally 2.99%
Details
Educational IRA
Rate History
2 changes since Sep 14, 2026 · 3.60% → 4.05% ▲ 0.45 pts · high 4.05% / low 3.55%
- Oct 5, 20264.05%▲ from 3.55%
- Sep 18, 20263.55%▼ from 3.60%
- Sep 14, 20263.60%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4860 Massachusetts Ave Nw, Washington, DC 20016
1-year online CDs
$0
4.00%
▲ 0.60% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.40%▲ 0.60% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4860 Massachusetts Ave Nw, Washington, DC 20016
12 Month Certificate
$0
4.00%
▲ 0.60% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.40%▲ 0.60% above avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4251 Suitland Rd Ste 2N100, Washington, DC 20395
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 0.60% above District Of Columbia avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.40%▲ 0.60% above avgNationally 2.99%
Details
EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
12 Month Certificate
$0
4.00%
▲ 0.60% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.40%▲ 0.60% above avgNationally 2.99%
Details
Rate History
1 change since Sep 25, 2026 · 3.74% → 4.00% ▲ 0.26 pts · high 4.00% / low 3.74%
- Oct 4, 20264.00%▲ from 3.74%
- Sep 25, 20263.74%first recorded
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
550 C St SW, Washington, DC 20024 2572
12 Month Traditional or Roth IRA Certificate
$500
4.00%
▲ 0.60% above District Of Columbia avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.40%▲ 0.60% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
Educational 12 Month Share Certificate
$1,000
4.00%
▲ 0.60% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.40%▲ 0.60% above avgNationally 2.99%
Details
Educational IRA
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 5, 20264.00%▲ from 3.60%
- Sep 14, 20263.60%first recorded
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1432 U St Nw, Washington, DC 20009
12 Month CD
$5,000
3.95%
▲ 0.55% above District Of Columbia avg
▼
Rate3.87%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.40%▲ 0.55% above avgNationally 2.99%
Details
Rate History
No change since Oct 2, 2026 · 3.95% APY · checked 4 times
Department of The Interior Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
1849 C ST NW RM B038, Washington, DC 20240
12 Month Certificate
$500
3.92%
▲ 0.52% above District Of Columbia avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.40%▲ 0.52% above avgNationally 2.99%
Details
Rate History
No change since Oct 4, 2026 · 3.92% APY · checked 3 times
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.15%
1130 Connecticut Ave Nw, Washington, DC 20036
1 Year CD
$500
3.90%
▲ 0.50% above District Of Columbia avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.40%▲ 0.50% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 6 times
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
1101 2nd St NE, Washington, DC 20002 3403
12 Month IRA Certificate
$0
3.87%
▲ 0.47% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.40%▲ 0.47% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 3 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
12 Month Share Certificate
$0
3.87%
▲ 0.47% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.40%▲ 0.47% above avgNationally 2.99%
Details
Balance: $250,000-$999,999
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 5 times
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1432 U St Nw, Washington, DC 20009
12 Month CD
$1,000
3.85%
▲ 0.45% above District Of Columbia avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.40%▲ 0.45% above avgNationally 2.99%
Details
Rate History
No change since Sep 8, 2026 · 3.85% APY · checked 8 times
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
Jumbo - 1 Year Certificate
$100,000
3.85%
▲ 0.45% above District Of Columbia avg
▼
Rate3.77%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.40%▲ 0.45% above avgNationally 2.99%
Details
Rate History
No change since Sep 20, 2026 · 3.85% APY · checked 5 times
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
1101 2nd St NE, Washington, DC 20002 3403
12 Month Certificate
$0
3.76%
▲ 0.36% above District Of Columbia avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.40%▲ 0.36% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 6 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
1 Year Fixed-Rate Certificate
$500
3.76%
▲ 0.36% above District Of Columbia avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.40%▲ 0.36% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 3.76% APY · checked 2 times
District Of Columbia 18 Month CD Rates
MonitorBankRates District Of Columbia Average · 18 Month CD3.21% APY▲ 0.05% from last weekNational 2.87%
The average 18-month CD rate in District Of Columbia is 3.21% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
18 Month CD
$1,000
4.35%
▲ 1.14% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▲ 1.14% above avgNationally 2.87%
Details
The Annual Percentage Yield (APY) is accurate as of 09/24/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.
Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 6 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
18 Month Certificate
$1,000
4.35%
▲ 1.14% above District Of Columbia avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▲ 1.14% above avgNationally 2.87%
Details
Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4860 Massachusetts Ave Nw, Washington, DC 20016
18 Month 360 CDs
$0
4.30%
▲ 1.09% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▲ 1.09% above avgNationally 2.87%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Business Share Certificates - 18 Months
$500
4.30%
▲ 1.09% above District Of Columbia avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 1.09% above avgNationally 2.87%
Details
Penalties apply for early withdrawal
Rate History
1 change since Oct 4, 2026 · 4.35% → 4.30% ▼ 0.05 pts · high 4.35% / low 4.30%
- Oct 12, 20264.30%▼ from 4.35%
- Oct 4, 20264.35%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Share Certificates - 18 Months
$500
4.30%
▲ 1.09% above District Of Columbia avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 1.09% above avgNationally 2.87%
Details
Rate History
1 change since Sep 14, 2026 · 3.67% → 4.30% ▲ 0.63 pts · high 4.30% / low 3.67%
- Oct 4, 20264.30%▲ from 3.67%
- Sep 14, 20263.67%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Traditional IRA Certificates - 18 Months
$500
4.30%
▲ 1.09% above District Of Columbia avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 1.09% above avgNationally 2.87%
Details
Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)
Rate History
No change since Oct 8, 2026 · 4.30% APY · checked 2 times
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
18 Month Certificate
$500
4.00%
▲ 0.79% above District Of Columbia avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.21%▲ 0.79% above avgNationally 2.87%
Details
Rate History
1 change since Sep 14, 2026 · 2.25% → 4.00% ▲ 1.75 pts · high 4.00% / low 2.25%
- Oct 6, 20264.00%▲ from 2.25%
- Sep 14, 20262.25%first recorded
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.15%
1130 Connecticut Ave Nw, Washington, DC 20036
18 Month CD
$500
3.90%
▲ 0.69% above District Of Columbia avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▲ 0.69% above avgNationally 2.87%
Details
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 6 times
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1680 K St Nw, Washington, DC 20006
18 MONTH SELECT Certificate of Deposit
$1,000
3.85%
▲ 0.64% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▲ 0.64% above avgNationally 2.87%
Details
Requires a qualifying checking account.
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1680 K St Nw, Washington, DC 20006
18-Month M&T Select CD
$0
3.85%
▲ 0.64% above District Of Columbia avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▲ 0.64% above avgNationally 2.87%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
18 Month Certificate
$500
3.75%
▲ 0.54% above District Of Columbia avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.21%▲ 0.54% above avgNationally 2.87%
Details
Rate History
1 change since Sep 14, 2026 · 2.25% → 3.75% ▲ 1.50 pts · high 3.75% / low 2.25%
- Oct 6, 20263.75%▲ from 2.25%
- Sep 14, 20262.25%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4251 Suitland Rd Ste 2N100, Washington, DC 20395
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.49% above District Of Columbia avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.21%▲ 0.49% above avgNationally 2.87%
Details
EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
IRA Variable-Rate Certificates - 18-month term
$50
3.66%
▲ 0.45% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 0.45% above avgNationally 2.87%
Details
Variable-Rate*
Rate History
No change since Oct 4, 2026 · 3.66% APY · checked 3 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
Variable-Rate Certificate - 18-month term
$50
3.66%
▲ 0.45% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 0.45% above avgNationally 2.87%
Details
Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Variable-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY on LFCU checking account balances. APY=Annual Percentage Yield. The rates and terms shown are effective as of September 23, 2026.
Rate History
No change since Oct 8, 2026 · 3.66% APY · checked 2 times
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
18 Month Share Certificates
$0
3.65%
▲ 0.44% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.21%▲ 0.44% above avgNationally 2.87%
Details
Balance: $250,000 and Over (Super Jumbo)
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.65% ▲ 0.20 pts · high 3.65% / low 3.45%
- Oct 5, 20263.65%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4860 Massachusetts Ave Nw, Washington, DC 20016
18 Month Certificate
$0
3.60%
▲ 0.39% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▲ 0.39% above avgNationally 2.87%
Details
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
Georgetown University Alumni and Student Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
STE 1328, Washington, DC 20057 0001
Certificate - 18 months
$0
3.60%
▲ 0.39% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.21%▲ 0.39% above avgNationally 2.87%
Details
Certificates restricted to new money not already on deposit with GUASFCU; Membership eligibility requirements apply
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
441 G St NW Ste 3M54, Washington, DC 20548 0001
18 Month Jumbo Share Certificate
$100,000
3.55%
▲ 0.34% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 0.34% above avgNationally 2.87%
Details
Jumbo IRA Share Certificate also listed in this table
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
18 Month Share Certificates
$0
3.50%
▲ 0.29% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.21%▲ 0.29% above avgNationally 2.87%
Details
Balance: $100,000 - $249,999.99 (Jumbo)
Rate History
1 change since Sep 18, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35%
- Oct 5, 20263.50%▲ from 3.35%
- Sep 18, 20263.35%first recorded
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
441 G St NW Ste 3M54, Washington, DC 20548 0001
Share Certificate - 18 Months
$1,000
3.45%
▲ 0.24% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 0.24% above avgNationally 2.87%
Details
Share Certificate, IRA, and Coverdell Education Share Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.45% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
Jumbo Share Certificate - 18 month
$100,000
3.41%
▲ 0.20% above District Of Columbia avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 0.20% above avgNationally 2.87%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.41% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
Jumbo Traditional and Roth IRA Certificate - 18 month
$100,000
3.41%
▲ 0.20% above District Of Columbia avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 0.20% above avgNationally 2.87%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.41% APY
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
550 C St SW, Washington, DC 20024 2572
18 Month Certificate
$0
3.40%
▲ 0.19% above District Of Columbia avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 0.19% above avgNationally 2.87%
Details
Rate History
No change since Sep 25, 2026 · 3.40% APY · checked 4 times
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
18 Month Share Certificates
$0
3.40%
▲ 0.19% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.21%▲ 0.19% above avgNationally 2.87%
Details
Balance: $1,000 - $99,999.99 (Regular)
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.40% ▲ 0.10 pts · high 3.40% / low 3.30%
- Oct 5, 20263.40%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
Share Certificate - 18 month
$500
3.31%
▲ 0.10% above District Of Columbia avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 0.10% above avgNationally 2.87%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
- Oct 12, 20263.31%▼ from 3.41%
- Sep 25, 20263.41%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
Traditional and Roth IRA Certificate - 18 month
$500
3.31%
▲ 0.10% above District Of Columbia avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 0.10% above avgNationally 2.87%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 3.31% APY
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1432 U St Nw, Washington, DC 20009
18 Month CD
$1,000
3.15%
▼ 0.06% below District Of Columbia avg
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▼ 0.06% below avgNationally 2.87%
Details
Rate History
No change since Sep 8, 2026 · 3.15% APY · checked 8 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month IRA Mini-Jumbo
$50,000
3.15%
▼ 0.06% below District Of Columbia avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▼ 0.06% below avgNationally 2.87%
Details
FedPerks APY**: 3.40%
Rate History
No change since Oct 12, 2026 · 3.15% APY
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month Roth IRA Mini-Jumbo
$50,000
3.15%
▼ 0.06% below District Of Columbia avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▼ 0.06% below avgNationally 2.87%
Details
FedPerks APY**: 3.40%
Rate History
No change since Sep 20, 2026 · 3.15% APY · checked 4 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month SEP IRA Mini-Jumbo
$50,000
3.15%
▼ 0.06% below District Of Columbia avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▼ 0.06% below avgNationally 2.87%
Details
FedPerks APY**: 3.40%
Rate History
No change since Sep 20, 2026 · 3.15% APY · checked 4 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month Share Certificate
$50,000
3.15%
▼ 0.06% below District Of Columbia avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▼ 0.06% below avgNationally 2.87%
Details
FedPerks APY: 3.40%
Rate History
No change since Oct 8, 2026 · 3.15% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month IRA
$500
3.10%
▼ 0.11% below District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▼ 0.11% below avgNationally 2.87%
Details
FedPerks APY**: 3.35%
Rate History
No change since Oct 12, 2026 · 3.10% APY
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month Roth IRA
$500
3.10%
▼ 0.11% below District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▼ 0.11% below avgNationally 2.87%
Details
FedPerks APY**: 3.35%
Rate History
No change since Sep 20, 2026 · 3.10% APY · checked 4 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month SEP IRA
$500
3.10%
▼ 0.11% below District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▼ 0.11% below avgNationally 2.87%
Details
FedPerks APY**: 3.35%
Rate History
No change since Sep 20, 2026 · 3.10% APY · checked 4 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Month Share Certificate
$500
3.10%
▼ 0.11% below District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▼ 0.11% below avgNationally 2.87%
Details
FedPerks APY: 3.35%
Rate History
No change since Oct 8, 2026 · 3.10% APY · checked 2 times
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1432 U St Nw, Washington, DC 20009
18 Month IRA CD
$1,000
3.00%
▼ 0.21% below District Of Columbia avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▼ 0.21% below avgNationally 2.87%
Details
Rate History
No change since Sep 8, 2026 · 3.00% APY · checked 8 times
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1432 U St Nw, Washington, DC 20009
18 Month Roth IRA CD
$1,000
3.00%
▼ 0.21% below District Of Columbia avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▼ 0.21% below avgNationally 2.87%
Details
Rate History
No change since Sep 8, 2026 · 3.00% APY · checked 8 times
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
18 Month Certificate
$0
2.90%
▼ 0.31% below District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▼ 0.31% below avgNationally 2.87%
Details
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 7 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
1001 G St Nw, Washington, DC 20001
18 Month CD
$500
1.80%
▼ 1.41% below District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▼ 1.41% below avgNationally 2.87%
Details
Rate History
No change since Sep 9, 2026 · 1.80% APY · checked 3 times
Hingham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
1061 Thomas Jefferson St Nw, Washington, DC 20007
18 Month Certificate of Deposit
$0
1.75%
▼ 1.46% below District Of Columbia avg
▼
Rate1.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▼ 1.46% below avgNationally 2.87%
Details
Rate History
No change since Sep 19, 2026 · 1.75% APY · checked 7 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1753 Connecticut Ave Nw, Washington, DC 20009
18 Month - Relationship
$0
1.00%
▼ 2.21% below District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▼ 2.21% below avgNationally 2.87%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1753 Connecticut Ave Nw, Washington, DC 20009
18 Month Certificate
$0
1.00%
▼ 2.21% below District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▼ 2.21% below avgNationally 2.87%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1753 Connecticut Ave Nw, Washington, DC 20009
18 Month TD Choice CD
$250
1.00%
▼ 2.21% below District Of Columbia avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▼ 2.21% below avgNationally 2.87%
Details
Relationship APY; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3806 12th St Ne, Washington, DC 20017
18 Month Certificate of Deposit
$0
0.03%
▼ 3.18% below District Of Columbia avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▼ 3.18% below avgNationally 2.87%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3806 12th St Ne, Washington, DC 20017
18 Month Certificate of Deposit
$0
0.02%
▼ 3.19% below District Of Columbia avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▼ 3.19% below avgNationally 2.87%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3806 12th St Ne, Washington, DC 20017
18 Month Certificate of Deposit
$0
0.01%
▼ 3.20% below District Of Columbia avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▼ 3.20% below avgNationally 2.87%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
District Of Columbia 24 Month CD Rates
MonitorBankRates District Of Columbia Average · 24 Month CD3.21% APYUnchanged from last weekNational 2.88%
The average 24-month CD rate in District Of Columbia is 3.21% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
802 7th St Nw, Washington, DC 20001
24 Month CD
$1,000
4.45%
▲ 1.24% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▲ 1.24% above avgNationally 2.88%
Details
New Money CDs
Rate History
No change since Sep 24, 2026 · 4.45% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
802 7th St Nw, Washington, DC 20001
24 Month New Money CD
$1,000
4.45%
▲ 1.24% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▲ 1.24% above avgNationally 2.88%
Details
Exclusively for Premier clients.
Rate History
No change since Sep 27, 2026 · 4.45% APY · checked 4 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
802 7th St Nw, Washington, DC 20001
24 Month CD
$1,000
4.40%
▲ 1.19% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▲ 1.19% above avgNationally 2.88%
Details
Online CDs
Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
802 7th St Nw, Washington, DC 20001
24 Month Online CD
$1,000
4.40%
▲ 1.19% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▲ 1.19% above avgNationally 2.88%
Details
Minimum balance to open and obtain APY is $1000.
Rate History
No change since Sep 27, 2026 · 4.40% APY · checked 4 times
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
300 E St SW Ste GC 21, Washington, DC 20024
24 Month Share Certificate
$0
4.40%
▲ 1.19% above District Of Columbia avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▲ 1.19% above avgNationally 2.88%
Details
Balance: $1,000
Rate History
1 change since Sep 18, 2026 · 4.10% → 4.40% ▲ 0.30 pts · high 4.40% / low 4.10%
- Sep 27, 20264.40%▲ from 4.10%
- Sep 18, 20264.10%first recorded
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
2 Year Certificate - Special Rate
$1,000
4.40%
▲ 1.19% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 1.19% above avgNationally 2.88%
Details
Special Rate (APY)
Rate History
No change since Oct 12, 2026 · 4.40% APY
Library Of Congress Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
101 Independence Ave SE Rm 634, Washington, DC 20540 0002
24 Month Monthly Dividend Certificate
$0
4.39%
▲ 1.18% above District Of Columbia avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 1.18% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 4.39% APY · checked 4 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
24 Month CD
$1,000
4.35%
▲ 1.14% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▲ 1.14% above avgNationally 2.88%
Details
The Annual Percentage Yield (APY) is accurate as of 09/24/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.
Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 6 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
24 Month Certificate
$1,000
4.35%
▲ 1.14% above District Of Columbia avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▲ 1.14% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Business Share Certificates - 24 Months
$500
4.35%
▲ 1.14% above District Of Columbia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 1.14% above avgNationally 2.88%
Details
Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Share Certificates - 24 Months
$500
4.35%
▲ 1.14% above District Of Columbia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 1.14% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.67% → 4.35% ▲ 0.68 pts · high 4.35% / low 3.67%
- Oct 4, 20264.35%▲ from 3.67%
- Sep 14, 20263.67%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Traditional IRA Certificates - 24 Months
$500
4.35%
▲ 1.14% above District Of Columbia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 1.14% above avgNationally 2.88%
Details
Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)
Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4860 Massachusetts Ave Nw, Washington, DC 20016
24 Month 360 CDs
$0
4.30%
▲ 1.09% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▲ 1.09% above avgNationally 2.88%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
300 E St SW Ste GC 21, Washington, DC 20024
24 Month Share Certificate
$0
4.30%
▲ 1.09% above District Of Columbia avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▲ 1.09% above avgNationally 2.88%
Details
Bump Rate; Balance: $1,000
Rate History
1 change since Sep 18, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Sep 27, 20264.30%▲ from 4.10%
- Sep 18, 20264.10%first recorded
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
24 Month IRA Certificate
$0
4.13%
▲ 0.92% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.21%▲ 0.92% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 3 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
24 Month Share Certificate
$0
4.13%
▲ 0.92% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.21%▲ 0.92% above avgNationally 2.88%
Details
Balance: $1M+
Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 5 times
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
2 Year Certificate
$1,000
4.00%
▲ 0.79% above District Of Columbia avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 0.79% above avgNationally 2.88%
Details
Rate History
1 change since Sep 20, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 4, 20264.00%▲ from 3.60%
- Sep 20, 20263.60%first recorded
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
Jumbo - 2 Year Certificate
$100,000
4.00%
▲ 0.79% above District Of Columbia avg
▼
Rate3.92%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 0.79% above avgNationally 2.88%
Details
Rate History
1 change since Sep 20, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Oct 4, 20264.00%▲ from 3.70%
- Sep 20, 20263.70%first recorded
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
24 Month Certificate
$500
4.00%
▲ 0.79% above District Of Columbia avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.21%▲ 0.79% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 2.25% → 4.00% ▲ 1.75 pts · high 4.00% / low 2.25%
- Oct 6, 20264.00%▲ from 2.25%
- Sep 18, 20262.25%first recorded
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
24 Month Jumbo Certificate
$0
3.96%
▲ 0.75% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 0.75% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 3.96% APY · checked 4 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
24 Month IRA Certificate
$0
3.91%
▲ 0.70% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 0.70% above avgNationally 2.88%
Details
Minimum Balances of $500
Rate History
No change since Sep 25, 2026 · 3.91% APY · checked 4 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
24 Month Share Certificate
$0
3.87%
▲ 0.66% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.21%▲ 0.66% above avgNationally 2.88%
Details
Balance: $250,000-$999,999
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 5 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
24 Month Certificate
$0
3.85%
▲ 0.64% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 0.64% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 4 times
Government Printing Office Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
732 N Capitol ST NW, Washington, DC 20401 0002
24 Month Certificate
$500
3.78%
▲ 0.57% above District Of Columbia avg
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 0.57% above avgNationally 2.88%
Details
Rate History
1 change since Oct 8, 2026 · 3.03% → 3.78% ▲ 0.75 pts · high 3.78% / low 3.03%
- Oct 12, 20263.78%▲ from 3.03%
- Oct 8, 20263.03%first recorded
Government Printing Office Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
732 N Capitol ST NW, Washington, DC 20401 0002
24 Month IRA Certificate
$500
3.78%
▲ 0.57% above District Of Columbia avg
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 0.57% above avgNationally 2.88%
Details
Rate History
1 change since Oct 8, 2026 · 3.03% → 3.78% ▲ 0.75 pts · high 3.78% / low 3.03%
- Oct 12, 20263.78%▲ from 3.03%
- Oct 8, 20263.03%first recorded
Government Printing Office Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
732 N Capitol ST NW, Washington, DC 20401 0002
Jumbo Share Certificates - 24 months
$25,000
3.78%
▲ 0.57% above District Of Columbia avg
▼
Rate3.73%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 0.57% above avgNationally 2.88%
Details
Rate History
1 change since Oct 8, 2026 · 3.02% → 3.78% ▲ 0.76 pts · high 3.78% / low 3.02%
- Oct 12, 20263.78%▲ from 3.02%
- Oct 8, 20263.02%first recorded
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
1101 2nd St NE, Washington, DC 20002 3403
24 Month IRA Certificate
$0
3.76%
▲ 0.55% above District Of Columbia avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 0.55% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 3 times
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
24 Month Certificate
$500
3.75%
▲ 0.54% above District Of Columbia avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.21%▲ 0.54% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 2.25% → 3.75% ▲ 1.50 pts · high 3.75% / low 2.25%
- Oct 6, 20263.75%▲ from 2.25%
- Sep 18, 20262.25%first recorded
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
Educational 24 Month Share Certificate
$100,000
3.74%
▲ 0.53% above District Of Columbia avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.21%▲ 0.53% above avgNationally 2.88%
Details
Educational IRA
Rate History
No change since Sep 14, 2026 · 3.74% APY · checked 9 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
2 Year Fixed-Rate Certificate
$500
3.71%
▲ 0.50% above District Of Columbia avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 0.50% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.71% APY · checked 2 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
IRA Fixed-Rate Certificate - 2-year term
$500
3.71%
▲ 0.50% above District Of Columbia avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 0.50% above avgNationally 2.88%
Details
Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Fixed-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY on LFCU checking account balances. APY=Annual Percentage Yield. The rates and terms shown are effective as of September 23, 2026.
Rate History
No change since Sep 25, 2026 · 3.71% APY · checked 4 times
GSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1800 F St NW # 1211, Washington, DC 20405 0001
24 month Share Certificate
$0
3.71%
▲ 0.50% above District Of Columbia avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 0.50% above avgNationally 2.88%
Details
The Share Certificate rates reflect rates earned with a minimum monthly direct deposit of $200. Accounts that do not have the minimum direct deposit will receive .25% reduction to the disclosed rate.
Rate History
No change since Oct 8, 2026 · 3.71% APY · checked 2 times
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
Educational 24 Month Share Certificate
$50,000
3.69%
▲ 0.48% above District Of Columbia avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.21%▲ 0.48% above avgNationally 2.88%
Details
Educational IRA
Rate History
No change since Sep 14, 2026 · 3.69% APY · checked 9 times
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
1101 2nd St NE, Washington, DC 20002 3403
24 Month Certificate
$0
3.66%
▲ 0.45% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 0.45% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 6 times
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.16%
4555 Overlook Ave SW Bldg 222, Washington, DC 20375 0001
Share 24 months
$500
3.65%
▲ 0.44% above District Of Columbia avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.21%▲ 0.44% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.65% ▲ 0.20 pts · high 3.65% / low 3.45%
- Oct 1, 20263.65%▲ from 3.45%
- Sep 18, 20263.45%first recorded
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
Educational 24 Month IRA Share Certificate
$2,000
3.64%
▲ 0.43% above District Of Columbia avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.21%▲ 0.43% above avgNationally 2.88%
Details
Educational IRA
Rate History
No change since Sep 14, 2026 · 3.64% APY · checked 9 times
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
Educational 24 Month Share Certificate
$25,000
3.64%
▲ 0.43% above District Of Columbia avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.21%▲ 0.43% above avgNationally 2.88%
Details
Educational IRA
Rate History
No change since Sep 14, 2026 · 3.64% APY · checked 9 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4251 Suitland Rd Ste 2N100, Washington, DC 20395
24 Month ESA EasyStart Certificate
$50
3.60%
▲ 0.39% above District Of Columbia avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.21%▲ 0.39% above avgNationally 2.88%
Details
EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
441 G St NW Ste 3M54, Washington, DC 20548 0001
24 Month Jumbo Share Certificate
$100,000
3.60%
▲ 0.39% above District Of Columbia avg
▼
Rate3.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 0.39% above avgNationally 2.88%
Details
Jumbo IRA Share Certificate also listed in this table
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
Educational 24 Month Share Certificate
$500
3.59%
▲ 0.38% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.21%▲ 0.38% above avgNationally 2.88%
Details
Educational IRA
Rate History
No change since Sep 14, 2026 · 3.59% APY · checked 9 times
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
24 Month Share Certificates
$0
3.55%
▲ 0.34% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.21%▲ 0.34% above avgNationally 2.88%
Details
Balance: $250,000 and Over (Super Jumbo)
Rate History
1 change since Sep 18, 2026 · 3.35% → 3.55% ▲ 0.20 pts · high 3.55% / low 3.35%
- Oct 5, 20263.55%▲ from 3.35%
- Sep 18, 20263.35%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4860 Massachusetts Ave Nw, Washington, DC 20016
24 Month Certificate
$0
3.50%
▲ 0.29% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▲ 0.29% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
Presidential Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.48%
1660 K St Nw, Washington, DC 20006
2 Year CD
$1,000
3.50%
▲ 0.29% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▲ 0.29% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.15%
1130 Connecticut Ave Nw, Washington, DC 20036
2 Year CD
$500
3.50%
▲ 0.29% above District Of Columbia avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.21%▲ 0.29% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1717 DeSales St NW, Washington, DC 20036
Investment Share and IRA Certificates - 24 Months
$0
3.50%
▲ 0.29% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.21%▲ 0.29% above avgNationally 2.88%
Details
Rates accurate as of 9/23/26; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 2.50% → 3.50% ▲ 1.00 pts · high 3.50% / low 2.50%
- Oct 5, 20263.50%▲ from 2.50%
- Sep 14, 20262.50%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
457 Lenfant Plz SW, Washington, DC 20024 2111
IRA Certificate - 2 Years
$0
3.50%
▲ 0.29% above District Of Columbia avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.21%▲ 0.29% above avgNationally 2.88%
Details
Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 2 times
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
441 G St NW Ste 3M54, Washington, DC 20548 0001
Share Certificate - 24 Months
$1,000
3.49%
▲ 0.28% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 0.28% above avgNationally 2.88%
Details
Share Certificate, IRA, and Coverdell Education Share Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.49% APY
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
Board of Governors of the Federal Reserve System, Washington, DC 20551
24 Month Term Shares Certificate
$0
3.46%
▲ 0.25% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.21%▲ 0.25% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 3.46% APY · checked 4 times
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
24 Month Share Certificates
$0
3.45%
▲ 0.24% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.21%▲ 0.24% above avgNationally 2.88%
Details
Balance: $100,000 - $249,999.99 (Jumbo)
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30%
- Oct 5, 20263.45%▲ from 3.30%
- Sep 18, 20263.30%first recorded
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
24 Month Share Certificate
$0
3.45%
▲ 0.24% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.21%▲ 0.24% above avgNationally 2.88%
Details
Balance: $100,000-$249,999
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.45% ▲ 0.05 pts · high 3.45% / low 3.40%
- Oct 6, 20263.45%▲ from 3.40%
- Sep 14, 20263.40%first recorded
District Of Columbia 36 Month CD Rates
MonitorBankRates District Of Columbia Average · 36 Month CD3.13% APY▼ 0.02% from last weekNational 2.81%
The average 36-month CD rate in District Of Columbia is 3.13% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
36 Month IRA Certificate
$0
4.59%
▲ 1.46% above District Of Columbia avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.13%▲ 1.46% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 4.59% APY · checked 3 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
36 Month Share Certificate
$0
4.59%
▲ 1.46% above District Of Columbia avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.13%▲ 1.46% above avgNationally 2.81%
Details
Balance: $1M+
Rate History
No change since Sep 14, 2026 · 4.59% APY · checked 5 times
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
300 E St SW Ste GC 21, Washington, DC 20024
36 Month Share Certificate
$0
4.45%
▲ 1.32% above District Of Columbia avg
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.13%▲ 1.32% above avgNationally 2.81%
Details
Balance: $1,000
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.45% ▲ 0.30 pts · high 4.45% / low 4.15%
- Sep 27, 20264.45%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
3 Year Certificate - Special Rate
$1,000
4.40%
▲ 1.27% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 1.27% above avgNationally 2.81%
Details
Special Rate (APY)
Rate History
No change since Oct 12, 2026 · 4.40% APY
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
300 E St SW Ste GC 21, Washington, DC 20024
36 Month Share Certificate
$0
4.35%
▲ 1.22% above District Of Columbia avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.13%▲ 1.22% above avgNationally 2.81%
Details
Bump Rate; Balance: $1,000
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Sep 27, 20264.35%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Business Share Certificates - 36 Months
$500
4.35%
▲ 1.22% above District Of Columbia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 1.22% above avgNationally 2.81%
Details
Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Share Certificates - 36 Months
$500
4.35%
▲ 1.22% above District Of Columbia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 1.22% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.35% ▲ 0.53 pts · high 4.35% / low 3.82%
- Oct 4, 20264.35%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Traditional IRA Certificates - 36 Months
$500
4.35%
▲ 1.22% above District Of Columbia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 1.22% above avgNationally 2.81%
Details
Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)
Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
36 Month Share Certificate
$0
4.33%
▲ 1.20% above District Of Columbia avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.13%▲ 1.20% above avgNationally 2.81%
Details
Balance: $250,000-$999,999
Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 5 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4860 Massachusetts Ave Nw, Washington, DC 20016
36 Month 360 CDs
$0
4.30%
▲ 1.17% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.13%▲ 1.17% above avgNationally 2.81%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
36 Month Certificate
$500
4.25%
▲ 1.12% above District Of Columbia avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.13%▲ 1.12% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00%
- Oct 6, 20264.25%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4251 Suitland Rd Ste 2N100, Washington, DC 20395
3 Year ESA Long-Term Certificate
$100,000
4.15%
▲ 1.02% above District Of Columbia avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.13%▲ 1.02% above avgNationally 2.81%
Details
Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
457 Lenfant Plz SW, Washington, DC 20024 2111
3 Years Add-On Certificate
$0
4.15%
▲ 1.02% above District Of Columbia avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.13%▲ 1.02% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4251 Suitland Rd Ste 2N100, Washington, DC 20395
3 Year ESA Long-Term Certificate
$1,000
4.10%
▲ 0.97% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.13%▲ 0.97% above avgNationally 2.81%
Details
Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
550 C St SW, Washington, DC 20024 2572
36 Month Traditional or Roth IRA Certificate
$2,000
4.10%
▲ 0.97% above District Of Columbia avg
▼
Rate4.04%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 0.97% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 4.10% APY · checked 2 times
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
3 Year Certificate
$1,000
4.00%
▲ 0.87% above District Of Columbia avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 0.87% above avgNationally 2.81%
Details
Rate History
1 change since Sep 20, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 4, 20264.00%▲ from 3.60%
- Sep 20, 20263.60%first recorded
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
Jumbo - 3 Year Certificate
$100,000
4.00%
▲ 0.87% above District Of Columbia avg
▼
Rate3.92%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 0.87% above avgNationally 2.81%
Details
Rate History
1 change since Sep 20, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Oct 4, 20264.00%▲ from 3.70%
- Sep 20, 20263.70%first recorded
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
36 Month Certificate
$500
4.00%
▲ 0.87% above District Of Columbia avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.13%▲ 0.87% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
- Oct 6, 20264.00%▲ from 3.00%
- Sep 14, 20263.00%first recorded
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
36 Month Share Certificate
$0
3.92%
▲ 0.79% above District Of Columbia avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.13%▲ 0.79% above avgNationally 2.81%
Details
Balance: $100,000-$249,999
Rate History
1 change since Sep 14, 2026 · 3.87% → 3.92% ▲ 0.05 pts · high 3.92% / low 3.87%
- Oct 1, 20263.92%▲ from 3.87%
- Sep 14, 20263.87%first recorded
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
36 Month Share Certificate
$0
3.87%
▲ 0.74% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.13%▲ 0.74% above avgNationally 2.81%
Details
Balance: $500-$99,999
Rate History
1 change since Sep 14, 2026 · 3.82% → 3.87% ▲ 0.05 pts · high 3.87% / low 3.82%
- Oct 1, 20263.87%▲ from 3.82%
- Sep 14, 20263.82%first recorded
GSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1800 F St NW # 1211, Washington, DC 20405 0001
36 month Share Certificate
$0
3.80%
▲ 0.67% above District Of Columbia avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 0.67% above avgNationally 2.81%
Details
The Share Certificate rates reflect rates earned with a minimum monthly direct deposit of $200. Accounts that do not have the minimum direct deposit will receive .25% reduction to the disclosed rate.
Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
36 Month Certificate
$1,000
3.75%
▲ 0.62% above District Of Columbia avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.13%▲ 0.62% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
36 Month Jumbo Certificate
$100,000
3.75%
▲ 0.62% above District Of Columbia avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 0.62% above avgNationally 2.81%
Details
Minimum Balances of $100,000
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
36 Month IRA Certificate
$0
3.70%
▲ 0.57% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 0.57% above avgNationally 2.81%
Details
Minimum Balances of $500
Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 3 times
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
1101 2nd St NE, Washington, DC 20002 3403
36 Month IRA Certificate
$0
3.66%
▲ 0.53% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 0.53% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 3 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
3 Year Fixed-Rate Certificate
$500
3.66%
▲ 0.53% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 0.53% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 3.66% APY · checked 2 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
IRA Fixed-Rate Certificate - 3-year term
$500
3.66%
▲ 0.53% above District Of Columbia avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 0.53% above avgNationally 2.81%
Details
Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Fixed-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY on LFCU checking account balances. APY=Annual Percentage Yield. The rates and terms shown are effective as of September 23, 2026.
Rate History
No change since Sep 25, 2026 · 3.66% APY · checked 4 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
36 Month Certificate
$500
3.65%
▲ 0.52% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 0.52% above avgNationally 2.81%
Details
Minimum Balances of $500
Rate History
No change since Sep 25, 2026 · 3.65% APY · checked 4 times
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
Educational 36 Month Share Certificate
$25,000
3.65%
▲ 0.52% above District Of Columbia avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.13%▲ 0.52% above avgNationally 2.81%
Details
Educational IRA
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60%
- Sep 18, 20263.65%▲ from 3.60%
- Sep 14, 20263.60%first recorded
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.16%
4555 Overlook Ave SW Bldg 222, Washington, DC 20375 0001
IRA 36 months
$500
3.65%
▲ 0.52% above District Of Columbia avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.13%▲ 0.52% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.65% ▲ 0.20 pts · high 3.65% / low 3.45%
- Oct 1, 20263.65%▲ from 3.45%
- Sep 18, 20263.45%first recorded
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
Educational 36 Month Share Certificate
$500
3.60%
▲ 0.47% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.13%▲ 0.47% above avgNationally 2.81%
Details
Educational IRA
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 9 times
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.16%
4555 Overlook Ave SW Bldg 222, Washington, DC 20375 0001
Share 36 months
$500
3.60%
▲ 0.47% above District Of Columbia avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.13%▲ 0.47% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40%
- Oct 1, 20263.60%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
1101 2nd St NE, Washington, DC 20002 3403
36 Month Certificate
$0
3.56%
▲ 0.43% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 0.43% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 6 times
Department of The Interior Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
1849 C ST NW RM B038, Washington, DC 20240
36 Month Certificate
$500
3.56%
▲ 0.43% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 0.43% above avgNationally 2.81%
Details
Rate History
No change since Oct 4, 2026 · 3.56% APY · checked 3 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
IRA Variable-Rate Certificates - 3-year term
$50
3.56%
▲ 0.43% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 0.43% above avgNationally 2.81%
Details
Variable-Rate*
Rate History
No change since Oct 4, 2026 · 3.56% APY · checked 3 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
Variable-Rate Certificate - 3-year term
$50
3.56%
▲ 0.43% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 0.43% above avgNationally 2.81%
Details
Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Variable-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY on LFCU checking account balances. APY=Annual Percentage Yield. The rates and terms shown are effective as of September 23, 2026.
Rate History
No change since Oct 8, 2026 · 3.56% APY · checked 2 times
Government Printing Office Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
732 N Capitol ST NW, Washington, DC 20401 0002
36 Month Certificate
$2,000
3.55%
▲ 0.42% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 0.42% above avgNationally 2.81%
Details
Rate History
1 change since Oct 8, 2026 · 3.03% → 3.55% ▲ 0.51 pts · high 3.55% / low 3.03%
- Oct 12, 20263.55%▲ from 3.03%
- Oct 8, 20263.03%first recorded
Government Printing Office Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
732 N Capitol ST NW, Washington, DC 20401 0002
36 Month IRA Certificate
$2,000
3.55%
▲ 0.42% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 0.42% above avgNationally 2.81%
Details
Rate History
1 change since Oct 8, 2026 · 3.03% → 3.55% ▲ 0.51 pts · high 3.55% / low 3.03%
- Oct 12, 20263.55%▲ from 3.03%
- Oct 8, 20263.03%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4860 Massachusetts Ave Nw, Washington, DC 20016
36 Month Certificate
$0
3.50%
▲ 0.37% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.13%▲ 0.37% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
200 Constitution Ave NW, Washington, DC 20210
3 Year Share and IRA Certificates
$0
3.50%
▲ 0.37% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 0.37% above avgNationally 2.81%
Details
Rate History
No change since Oct 12, 2026 · 3.50% APY
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
200 Constitution Ave NW, Washington, DC 20210
Share and IRA Certificates - 3 year certificate
$0
3.50%
▲ 0.37% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 0.37% above avgNationally 2.81%
Details
Available for IRAs and Coverdell Education Savings Accounts; early withdrawal penalty may apply
Rate History
No change since Oct 12, 2026 · 3.50% APY
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
36 Month Share Certificates
$0
3.50%
▲ 0.37% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.13%▲ 0.37% above avgNationally 2.81%
Details
Balance: $250,000 and Over (Super Jumbo)
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
- Oct 5, 20263.50%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
441 G St NW Ste 3M54, Washington, DC 20548 0001
36 Month Jumbo Share Certificate
$100,000
3.49%
▲ 0.36% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 0.36% above avgNationally 2.81%
Details
Jumbo IRA Share Certificate also listed in this table
Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 5 times
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
Board of Governors of the Federal Reserve System, Washington, DC 20551
36 Month Term Shares Certificate
$0
3.41%
▲ 0.28% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 0.28% above avgNationally 2.81%
Details
Rate History
No change since Sep 25, 2026 · 3.41% APY · checked 4 times
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.15%
1130 Connecticut Ave Nw, Washington, DC 20036
3 Year CD
$500
3.40%
▲ 0.27% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.13%▲ 0.27% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
441 G St NW Ste 3M54, Washington, DC 20548 0001
Share Certificate - 36 Months
$1,000
3.39%
▲ 0.26% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 0.26% above avgNationally 2.81%
Details
Share Certificate, IRA, and Coverdell Education Share Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.39% APY
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
36 Month Share Certificates
$0
3.35%
▲ 0.22% above District Of Columbia avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.13%▲ 0.22% above avgNationally 2.81%
Details
Balance: $100,000 - $249,999.99 (Jumbo)
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.35% ▲ 0.15 pts · high 3.35% / low 3.20%
- Oct 5, 20263.35%▲ from 3.20%
- Sep 18, 20263.20%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
457 Lenfant Plz SW, Washington, DC 20024 2111
3 Years Share Certificate
$0
3.35%
▲ 0.22% above District Of Columbia avg
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.13%▲ 0.22% above avgNationally 2.81%
Details
Rate History
No change since Oct 6, 2026 · 3.35% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
Jumbo Share Certificate - 36 month
$100,000
3.31%
▲ 0.18% above District Of Columbia avg
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 0.18% above avgNationally 2.81%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.31% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
Jumbo Traditional and Roth IRA Certificate - 36 month
$100,000
3.31%
▲ 0.18% above District Of Columbia avg
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.13%▲ 0.18% above avgNationally 2.81%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.31% APY
District Of Columbia 48 Month CD Rates
MonitorBankRates District Of Columbia Average · 48 Month CD3.04% APY▲ 0.01% from last weekNational 2.80%
The average 48-month CD rate in District Of Columbia is 3.04% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
300 E St SW Ste GC 21, Washington, DC 20024
48 Month Share Certificate
$0
4.50%
▲ 1.46% above District Of Columbia avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.04%▲ 1.46% above avgNationally 2.80%
Details
Balance: $1,000
Rate History
1 change since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
- Sep 27, 20264.50%▲ from 4.20%
- Sep 18, 20264.20%first recorded
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
4 Year Certificate - Special Rate
$1,000
4.40%
▲ 1.36% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.04%▲ 1.36% above avgNationally 2.80%
Details
Special Rate (APY)
Rate History
No change since Oct 12, 2026 · 4.40% APY
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Business Share Certificates - 48 Months
$500
4.35%
▲ 1.31% above District Of Columbia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.04%▲ 1.31% above avgNationally 2.80%
Details
Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Share Certificates - 48 Months
$500
4.35%
▲ 1.31% above District Of Columbia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.04%▲ 1.31% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.35% ▲ 0.53 pts · high 4.35% / low 3.82%
- Oct 4, 20264.35%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Traditional IRA Certificates - 48 Months
$500
4.35%
▲ 1.31% above District Of Columbia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.04%▲ 1.31% above avgNationally 2.80%
Details
Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)
Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4860 Massachusetts Ave Nw, Washington, DC 20016
48 Month 360 CDs
$0
4.30%
▲ 1.26% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.04%▲ 1.26% above avgNationally 2.80%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
48 Month IRA Certificate
$0
4.13%
▲ 1.09% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.04%▲ 1.09% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 3 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
48 Month Share Certificate
$0
4.13%
▲ 1.09% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.04%▲ 1.09% above avgNationally 2.80%
Details
Balance: $1M+
Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 5 times
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
4 Year Certificate
$1,000
4.00%
▲ 0.96% above District Of Columbia avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.04%▲ 0.96% above avgNationally 2.80%
Details
Rate History
1 change since Sep 20, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 4, 20264.00%▲ from 3.60%
- Sep 20, 20263.60%first recorded
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
48 Month Share Certificate
$0
3.87%
▲ 0.83% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.04%▲ 0.83% above avgNationally 2.80%
Details
Balance: $250,000-$999,999
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 5 times
GSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1800 F St NW # 1211, Washington, DC 20405 0001
48 month Share Certificate
$0
3.86%
▲ 0.82% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.04%▲ 0.82% above avgNationally 2.80%
Details
The Share Certificate rates reflect rates earned with a minimum monthly direct deposit of $200. Accounts that do not have the minimum direct deposit will receive .25% reduction to the disclosed rate.
Rate History
No change since Oct 8, 2026 · 3.86% APY · checked 2 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
48 Month Certificate
$1,000
3.75%
▲ 0.71% above District Of Columbia avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.04%▲ 0.71% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
48 Month Jumbo Certificate
$100,000
3.75%
▲ 0.71% above District Of Columbia avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.04%▲ 0.71% above avgNationally 2.80%
Details
Minimum Balances of $100,000
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
Educational 48 Month Share Certificate
$25,000
3.75%
▲ 0.71% above District Of Columbia avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.04%▲ 0.71% above avgNationally 2.80%
Details
Educational IRA
Rate History
1 change since Sep 14, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70%
- Sep 18, 20263.75%▲ from 3.70%
- Sep 14, 20263.70%first recorded
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
48 Month IRA Certificate
$0
3.70%
▲ 0.66% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.04%▲ 0.66% above avgNationally 2.80%
Details
Minimum Balances of $500
Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 3 times
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
Educational 48 Month Share Certificate
$500
3.70%
▲ 0.66% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.04%▲ 0.66% above avgNationally 2.80%
Details
Educational IRA
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 9 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
48 Month Certificate
$500
3.65%
▲ 0.61% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.04%▲ 0.61% above avgNationally 2.80%
Details
Minimum Balances of $500
Rate History
No change since Sep 25, 2026 · 3.65% APY · checked 4 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
4 Year Fixed-Rate Certificate
$500
3.61%
▲ 0.57% above District Of Columbia avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.04%▲ 0.57% above avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 3.61% APY · checked 2 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
IRA Fixed-Rate Certificate - 4-year term
$500
3.61%
▲ 0.57% above District Of Columbia avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.04%▲ 0.57% above avgNationally 2.80%
Details
Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Fixed-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY on LFCU checking account balances. APY=Annual Percentage Yield. The rates and terms shown are effective as of September 23, 2026.
Rate History
No change since Sep 25, 2026 · 3.61% APY · checked 4 times
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.16%
4555 Overlook Ave SW Bldg 222, Washington, DC 20375 0001
Share 48 months
$500
3.60%
▲ 0.56% above District Of Columbia avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.04%▲ 0.56% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40%
- Oct 1, 20263.60%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Government Printing Office Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
732 N Capitol ST NW, Washington, DC 20401 0002
48 Month Certificate
$2,000
3.55%
▲ 0.51% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.04%▲ 0.51% above avgNationally 2.80%
Details
Rate History
1 change since Oct 8, 2026 · 3.03% → 3.55% ▲ 0.51 pts · high 3.55% / low 3.03%
- Oct 12, 20263.55%▲ from 3.03%
- Oct 8, 20263.03%first recorded
Government Printing Office Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
732 N Capitol ST NW, Washington, DC 20401 0002
48 Month IRA Certificate
$2,000
3.55%
▲ 0.51% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.04%▲ 0.51% above avgNationally 2.80%
Details
Rate History
1 change since Oct 8, 2026 · 3.03% → 3.55% ▲ 0.51 pts · high 3.55% / low 3.03%
- Oct 12, 20263.55%▲ from 3.03%
- Oct 8, 20263.03%first recorded
Department of The Interior Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
1849 C ST NW RM B038, Washington, DC 20240
48 Month Certificate
$500
3.51%
▲ 0.47% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.04%▲ 0.47% above avgNationally 2.80%
Details
Rate History
No change since Oct 4, 2026 · 3.51% APY · checked 3 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4860 Massachusetts Ave Nw, Washington, DC 20016
48 Month Certificate
$0
3.50%
▲ 0.46% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.04%▲ 0.46% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
200 Constitution Ave NW, Washington, DC 20210
4 Year Share and IRA Certificates
$0
3.50%
▲ 0.46% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.04%▲ 0.46% above avgNationally 2.80%
Details
Rate History
No change since Oct 12, 2026 · 3.50% APY
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
200 Constitution Ave NW, Washington, DC 20210
Share and IRA Certificates - 4 year certificate
$0
3.50%
▲ 0.46% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.04%▲ 0.46% above avgNationally 2.80%
Details
Available for IRAs and Coverdell Education Savings Accounts; early withdrawal penalty may apply
Rate History
No change since Oct 12, 2026 · 3.50% APY
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
48 Month Share Certificates
$0
3.50%
▲ 0.46% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.04%▲ 0.46% above avgNationally 2.80%
Details
Balance: $250,000 and Over (Super Jumbo)
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
- Oct 5, 20263.50%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
441 G St NW Ste 3M54, Washington, DC 20548 0001
48 Month Jumbo Share Certificate
$100,000
3.49%
▲ 0.45% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.04%▲ 0.45% above avgNationally 2.80%
Details
Jumbo IRA Share Certificate also listed in this table
Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 5 times
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
1101 2nd St NE, Washington, DC 20002 3403
48 Month IRA Certificate
$0
3.45%
▲ 0.41% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.04%▲ 0.41% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 3 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
48 Month Share Certificate
$0
3.45%
▲ 0.41% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.04%▲ 0.41% above avgNationally 2.80%
Details
Balance: $100,000-$249,999
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.45% ▲ 0.05 pts · high 3.45% / low 3.40%
- Oct 1, 20263.45%▲ from 3.40%
- Sep 14, 20263.40%first recorded
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
Board of Governors of the Federal Reserve System, Washington, DC 20551
48 Month Term Shares Certificate
$0
3.41%
▲ 0.37% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.04%▲ 0.37% above avgNationally 2.80%
Details
Rate History
No change since Sep 25, 2026 · 3.41% APY · checked 4 times
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.15%
1130 Connecticut Ave Nw, Washington, DC 20036
4 Year CD
$500
3.40%
▲ 0.36% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.04%▲ 0.36% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
48 Month Share Certificate
$0
3.40%
▲ 0.36% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.04%▲ 0.36% above avgNationally 2.80%
Details
Balance: $500-$99,999
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.40% ▲ 0.05 pts · high 3.40% / low 3.35%
- Oct 1, 20263.40%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
441 G St NW Ste 3M54, Washington, DC 20548 0001
Share Certificate - 48 Months
$1,000
3.39%
▲ 0.35% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.04%▲ 0.35% above avgNationally 2.80%
Details
Share Certificate, IRA, and Coverdell Education Share Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.39% APY
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
1101 2nd St NE, Washington, DC 20002 3403
48 Month Certificate
$0
3.35%
▲ 0.31% above District Of Columbia avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.04%▲ 0.31% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
48 Month Share Certificates
$0
3.35%
▲ 0.31% above District Of Columbia avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.04%▲ 0.31% above avgNationally 2.80%
Details
Balance: $100,000 - $249,999.99 (Jumbo)
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.35% ▲ 0.15 pts · high 3.35% / low 3.20%
- Oct 5, 20263.35%▲ from 3.20%
- Sep 18, 20263.20%first recorded
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
48 Month Share Certificates
$0
3.25%
▲ 0.21% above District Of Columbia avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.04%▲ 0.21% above avgNationally 2.80%
Details
Balance: $1,000 - $99,999.99 (Regular)
Rate History
1 change since Sep 18, 2026 · 3.15% → 3.25% ▲ 0.10 pts · high 3.25% / low 3.15%
- Oct 5, 20263.25%▲ from 3.15%
- Sep 18, 20263.15%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
Jumbo Share Certificate - 48 month
$100,000
3.21%
▲ 0.17% above District Of Columbia avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.04%▲ 0.17% above avgNationally 2.80%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.21% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
Jumbo Traditional and Roth IRA Certificate - 48 month
$100,000
3.21%
▲ 0.17% above District Of Columbia avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.04%▲ 0.17% above avgNationally 2.80%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.21% APY
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
4 Year Certificate
$0
3.20%
▲ 0.16% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.04%▲ 0.16% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
- Sep 18, 20263.20%▲ from 2.90%
- Sep 14, 20262.90%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
Share Certificate - 48 month
$500
3.11%
▲ 0.07% above District Of Columbia avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.04%▲ 0.07% above avgNationally 2.80%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 3.21% → 3.11% ▼ 0.10 pts · high 3.21% / low 3.11%
- Oct 12, 20263.11%▼ from 3.21%
- Sep 25, 20263.21%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
Traditional and Roth IRA Certificate - 48 month
$500
3.11%
▲ 0.07% above District Of Columbia avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.04%▲ 0.07% above avgNationally 2.80%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 3.11% APY
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
4 Year IRA Certificate
$0
3.10%
▲ 0.06% above District Of Columbia avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.04%▲ 0.06% above avgNationally 2.80%
Details
Balance: $1,000 minimum balance to open
Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 Month Business Share Certificates Plus Jumbo
$0
3.05%
▲ 0.01% above District Of Columbia avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.04%▲ 0.01% above avgNationally 2.80%
Details
$200,000; Balance: $200,000 Plus Jumbo
Rate History
No change since Oct 7, 2026 · 3.05% APY · checked 2 times
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 Month Smart Share Certificate Plus Jumbo
$0
3.05%
▲ 0.01% above District Of Columbia avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.04%▲ 0.01% above avgNationally 2.80%
Details
$200,000; Balance: $200,000 Plus Jumbo
Rate History
No change since Sep 24, 2026 · 3.05% APY · checked 4 times
EP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.42%
301 13th Street SW RM 215A, Washington, DC 20228 0001
48 Month Certificate
$1,000
3.04%
At District Of Columbia avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.04%At the averageNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 7 times
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 Month Business Share Certificates
$0
2.99%
▼ 0.05% below District Of Columbia avg
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.04%▼ 0.05% below avgNationally 2.80%
Details
$100,000 -$199,999; Balance: $100,000 -$199,999
Rate History
No change since Oct 7, 2026 · 2.99% APY · checked 2 times
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 Month Smart Share Certificate
$0
2.99%
▼ 0.05% below District Of Columbia avg
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.04%▼ 0.05% below avgNationally 2.80%
Details
$100,000 -$199,999; Balance: $100,000 - $199,999
Rate History
No change since Sep 24, 2026 · 2.99% APY · checked 4 times
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 Month Business Bump Rate Certificate Plus Jumbo
$0
2.94%
▼ 0.10% below District Of Columbia avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.04%▼ 0.10% below avgNationally 2.80%
Details
$200,000; Balance: $200,000 Plus Jumbo
Rate History
No change since Oct 7, 2026 · 2.94% APY · checked 2 times
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 Month Business Share Certificates
$0
2.94%
▼ 0.10% below District Of Columbia avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.04%▼ 0.10% below avgNationally 2.80%
Details
$99,999; Balance: less than $99,999
Rate History
1 change since Sep 18, 2026 · 2.99% → 2.94% ▼ 0.05 pts · high 2.99% / low 2.94%
- Sep 24, 20262.94%▼ from 2.99%
- Sep 18, 20262.99%first recorded
District Of Columbia 60 Month CD Rates
MonitorBankRates District Of Columbia Average · 60 Month CD3.19% APY▲ 0.05% from last weekNational 2.90%
The average 60-month CD rate in District Of Columbia is 3.19% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
300 E St SW Ste GC 21, Washington, DC 20024
60 Month Share Certificate
$0
4.55%
▲ 1.36% above District Of Columbia avg
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.19%▲ 1.36% above avgNationally 2.90%
Details
Balance: $1,000
Rate History
1 change since Sep 18, 2026 · 4.28% → 4.55% ▲ 0.27 pts · high 4.55% / low 4.28%
- Sep 27, 20264.55%▲ from 4.28%
- Sep 18, 20264.28%first recorded
Library Of Congress Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
101 Independence Ave SE Rm 634, Washington, DC 20540 0002
60 Month Traditional, Roth, SEP & Education IRA Certificate
$0
4.52%
▲ 1.33% above District Of Columbia avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 1.33% above avgNationally 2.90%
Details
Rate History
1 change since Sep 16, 2026 · 3.96% → 4.52% ▲ 0.56 pts · high 4.52% / low 3.96%
- Sep 25, 20264.52%▲ from 3.96%
- Sep 16, 20263.96%first recorded
Library Of Congress Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
101 Independence Ave SE Rm 634, Washington, DC 20540 0002
Traditional, Roth, SEP & Education IRA Certificate - 60 months
$0
4.52%
▲ 1.33% above District Of Columbia avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 1.33% above avgNationally 2.90%
Details
Rate History
No change since Oct 8, 2026 · 4.52% APY · checked 2 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Business Share Certificates - 60 Months
$500
4.50%
▲ 1.31% above District Of Columbia avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 1.31% above avgNationally 2.90%
Details
Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 2 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Share Certificates - 60 Months
$500
4.50%
▲ 1.31% above District Of Columbia avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 1.31% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.50% ▲ 0.68 pts · high 4.50% / low 3.82%
- Oct 4, 20264.50%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1101 New York Ave NW, Washington, DC 20005 4269
Traditional IRA Certificates - 60 Months
$500
4.50%
▲ 1.31% above District Of Columbia avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 1.31% above avgNationally 2.90%
Details
Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
Library Of Congress Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
101 Independence Ave SE Rm 634, Washington, DC 20540 0002
60 Month Share Certificate
$0
4.47%
▲ 1.28% above District Of Columbia avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 1.28% above avgNationally 2.90%
Details
Rate History
1 change since Sep 16, 2026 · 3.91% → 4.47% ▲ 0.56 pts · high 4.47% / low 3.91%
- Sep 25, 20264.47%▲ from 3.91%
- Sep 16, 20263.91%first recorded
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
5 Year Certificate - Special Rate
$1,000
4.40%
▲ 1.21% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 1.21% above avgNationally 2.90%
Details
Special Rate (APY)
Rate History
No change since Oct 12, 2026 · 4.40% APY
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4860 Massachusetts Ave Nw, Washington, DC 20016
60 Month 360 CDs
$0
4.30%
▲ 1.11% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.19%▲ 1.11% above avgNationally 2.90%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
550 C St SW, Washington, DC 20024 2572
60 Month Traditional or Roth IRA Certificate
$2,500
4.25%
▲ 1.06% above District Of Columbia avg
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 1.06% above avgNationally 2.90%
Details
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
60 Month IRA Certificate
$0
4.13%
▲ 0.94% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.19%▲ 0.94% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 3 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
60 Month Share Certificate
$0
4.13%
▲ 0.94% above District Of Columbia avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.19%▲ 0.94% above avgNationally 2.90%
Details
Balance: $1M+
Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 5 times
GSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1800 F St NW # 1211, Washington, DC 20405 0001
60 month Share Certificate
$0
4.01%
▲ 0.82% above District Of Columbia avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 0.82% above avgNationally 2.90%
Details
The Share Certificate rates reflect rates earned with a minimum monthly direct deposit of $200. Accounts that do not have the minimum direct deposit will receive .25% reduction to the disclosed rate.
Rate History
No change since Oct 8, 2026 · 4.01% APY · checked 2 times
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Room B 203, Washington, DC 20515
5 Year Certificate
$1,000
4.00%
▲ 0.81% above District Of Columbia avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 0.81% above avgNationally 2.90%
Details
Rate History
1 change since Sep 20, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 4, 20264.00%▲ from 3.65%
- Sep 20, 20263.65%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4251 Suitland Rd Ste 2N100, Washington, DC 20395
5 Year ESA Long-Term Certificate
$100,000
3.90%
▲ 0.71% above District Of Columbia avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.19%▲ 0.71% above avgNationally 2.90%
Details
Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
60 Month Share Certificate
$0
3.87%
▲ 0.68% above District Of Columbia avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.19%▲ 0.68% above avgNationally 2.90%
Details
Balance: $250,000-$999,999
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4251 Suitland Rd Ste 2N100, Washington, DC 20395
5 Year ESA Long-Term Certificate
$1,000
3.85%
▲ 0.66% above District Of Columbia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.19%▲ 0.66% above avgNationally 2.90%
Details
Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
60 Month Jumbo Certificate
$100,000
3.85%
▲ 0.66% above District Of Columbia avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 0.66% above avgNationally 2.90%
Details
Minimum Balances of $100,000
Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 4 times
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.82%
2000 14th St NW, Washington, DC 20009 4473
Educational 60 Month Share Certificate
$500
3.81%
▲ 0.62% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.19%▲ 0.62% above avgNationally 2.90%
Details
Educational IRA
Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 9 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
60 Month IRA Certificate
$0
3.80%
▲ 0.61% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 0.61% above avgNationally 2.90%
Details
Minimum Balances of $500
Rate History
No change since Sep 25, 2026 · 3.80% APY · checked 3 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
700 K St Nw Ste 60, Washington, DC 20001
60 Month Certificate
$1,000
3.75%
▲ 0.56% above District Of Columbia avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.19%▲ 0.56% above avgNationally 2.90%
Details
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Building 41, Washington, DC 20319 0001
60 Month Certificate
$500
3.75%
▲ 0.56% above District Of Columbia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 0.56% above avgNationally 2.90%
Details
Minimum Balances of $500
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
60 Month Certificate
$500
3.75%
▲ 0.56% above District Of Columbia avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.19%▲ 0.56% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.75% ▲ 0.75 pts · high 3.75% / low 3.00%
- Oct 6, 20263.75%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4860 Massachusetts Ave Nw, Washington, DC 20016
5-year online CDs
$0
3.60%
▲ 0.41% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.19%▲ 0.41% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4860 Massachusetts Ave Nw, Washington, DC 20016
60 Month Certificate
$0
3.60%
▲ 0.41% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.19%▲ 0.41% above avgNationally 2.90%
Details
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.16%
4555 Overlook Ave SW Bldg 222, Washington, DC 20375 0001
Share 60 months
$500
3.60%
▲ 0.41% above District Of Columbia avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.19%▲ 0.41% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40%
- Oct 1, 20263.60%▲ from 3.40%
- Sep 18, 20263.40%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
457 Lenfant Plz SW, Washington, DC 20024 2111
IRA Certificate - 5 Years
$0
3.60%
▲ 0.41% above District Of Columbia avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.19%▲ 0.41% above avgNationally 2.90%
Details
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
5 Year Fixed-Rate Certificate
$500
3.56%
▲ 0.37% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 0.37% above avgNationally 2.90%
Details
Rate History
No change since Oct 8, 2026 · 3.56% APY · checked 2 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
IRA Fixed-Rate Certificate - 5-year term
$500
3.56%
▲ 0.37% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 0.37% above avgNationally 2.90%
Details
Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Fixed-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY on LFCU checking account balances. APY=Annual Percentage Yield. The rates and terms shown are effective as of September 23, 2026.
Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 4 times
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
200 Constitution Ave NW, Washington, DC 20210
Share and IRA Certificates - 5 year certificate
$0
3.55%
▲ 0.36% above District Of Columbia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 0.36% above avgNationally 2.90%
Details
Available for IRAs and Coverdell Education Savings Accounts; early withdrawal penalty may apply
Rate History
No change since Oct 12, 2026 · 3.55% APY
Department of The Interior Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
1849 C ST NW RM B038, Washington, DC 20240
60 Month Certificate
$500
3.51%
▲ 0.32% above District Of Columbia avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 0.32% above avgNationally 2.90%
Details
Rate History
No change since Oct 4, 2026 · 3.51% APY · checked 3 times
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1717 DeSales St NW, Washington, DC 20036
Investment Share and IRA Certificates - 60 Months
$0
3.50%
▲ 0.31% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.19%▲ 0.31% above avgNationally 2.90%
Details
Rates accurate as of 9/23/26; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 2.50% → 3.50% ▲ 1.00 pts · high 3.50% / low 2.50%
- Oct 5, 20263.50%▲ from 2.50%
- Sep 14, 20262.50%first recorded
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5215 Loughboro Rd NW, Washington, DC 20016
60 Month Certificate
$500
3.50%
▲ 0.31% above District Of Columbia avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.19%▲ 0.31% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 6, 20263.50%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
1101 2nd St NE, Washington, DC 20002 3403
60 Month IRA Certificate
$0
3.45%
▲ 0.26% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 0.26% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 3 times
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
60 Month Share Certificates
$0
3.45%
▲ 0.26% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.19%▲ 0.26% above avgNationally 2.90%
Details
Balance: $250,000 and Over (Super Jumbo)
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25%
- Oct 5, 20263.45%▲ from 3.25%
- Sep 18, 20263.25%first recorded
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
60 Month Share Certificate
$0
3.45%
▲ 0.26% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.19%▲ 0.26% above avgNationally 2.90%
Details
Balance: $100,000-$249,999
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.45% ▲ 0.05 pts · high 3.45% / low 3.40%
- Oct 1, 20263.45%▲ from 3.40%
- Sep 14, 20263.40%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
457 Lenfant Plz SW, Washington, DC 20024 2111
5 Years Share Certificate
$0
3.45%
▲ 0.26% above District Of Columbia avg
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.19%▲ 0.26% above avgNationally 2.90%
Details
Rate History
No change since Oct 6, 2026 · 3.45% APY · checked 2 times
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
441 G St NW Ste 3M54, Washington, DC 20548 0001
60 Month Jumbo Share Certificate
$100,000
3.44%
▲ 0.25% above District Of Columbia avg
▼
Rate3.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 0.25% above avgNationally 2.90%
Details
Jumbo IRA Share Certificate also listed in this table
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 5 times
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
Board of Governors of the Federal Reserve System, Washington, DC 20551
60 Month Term Shares Certificate
$0
3.41%
▲ 0.22% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 0.22% above avgNationally 2.90%
Details
Rate History
No change since Sep 25, 2026 · 3.41% APY · checked 4 times
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.15%
1130 Connecticut Ave Nw, Washington, DC 20036
5 Year CD
$500
3.40%
▲ 0.21% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.19%▲ 0.21% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2112 F St NW, Washington, DC 20037
60 Month Share Certificate
$0
3.40%
▲ 0.21% above District Of Columbia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
District Of Columbia Average3.19%▲ 0.21% above avgNationally 2.90%
Details
Balance: $500-$99,999
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.40% ▲ 0.05 pts · high 3.40% / low 3.35%
- Oct 1, 20263.40%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
1101 2nd St NE, Washington, DC 20002 3403
60 Month Certificate
$0
3.35%
▲ 0.16% above District Of Columbia avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 0.16% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
441 G St NW Ste 3M54, Washington, DC 20548 0001
Share Certificate - 60 Months
$1,000
3.34%
▲ 0.15% above District Of Columbia avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 0.15% above avgNationally 2.90%
Details
Share Certificate, IRA, and Coverdell Education Share Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.34% APY
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
60 Month Share Certificates
$0
3.30%
▲ 0.11% above District Of Columbia avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.19%▲ 0.11% above avgNationally 2.90%
Details
Balance: $100,000 - $249,999.99 (Jumbo)
Rate History
1 change since Sep 18, 2026 · 3.15% → 3.30% ▲ 0.15 pts · high 3.30% / low 3.15%
- Oct 5, 20263.30%▲ from 3.15%
- Sep 18, 20263.15%first recorded
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
IRA Variable-Rate Certificates - 5-year term
$50
3.25%
▲ 0.06% above District Of Columbia avg
▼
Rate3.20%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 0.06% above avgNationally 2.90%
Details
Variable-Rate*
Rate History
No change since Oct 4, 2026 · 3.25% APY · checked 3 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Room c 1 80, WASHINGTON, DC 20523 0001
Variable-Rate Certificate - 5-year term
$50
3.25%
▲ 0.06% above District Of Columbia avg
▼
Rate3.20%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 0.06% above avgNationally 2.90%
Details
Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Variable-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY on LFCU checking account balances. APY=Annual Percentage Yield. The rates and terms shown are effective as of September 23, 2026.
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
Jumbo Share Certificate - 60 month
$100,000
3.21%
▲ 0.02% above District Of Columbia avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 0.02% above avgNationally 2.90%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.21% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
Jumbo Traditional and Roth IRA Certificate - 60 month
$100,000
3.21%
▲ 0.02% above District Of Columbia avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
District Of Columbia Average3.19%▲ 0.02% above avgNationally 2.90%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.21% APY
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
5 Year Certificate
$0
3.20%
▲ 0.01% above District Of Columbia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
District Of Columbia Average3.19%▲ 0.01% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
- Sep 18, 20263.20%▲ from 2.90%
- Sep 14, 20262.90%first recorded
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC 20577 0001
60 Month Share Certificates
$0
3.20%
▲ 0.01% above District Of Columbia avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
District Of Columbia Average3.19%▲ 0.01% above avgNationally 2.90%
Details
Balance: $1,000 - $99,999.99 (Regular)
Rate History
1 change since Sep 18, 2026 · 3.10% → 3.20% ▲ 0.10 pts · high 3.20% / low 3.10%
- Oct 5, 20263.20%▲ from 3.10%
- Sep 18, 20263.10%first recorded
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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District Of Columbia CD Rate Trends
Compare local District Of Columbia CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD DC Avg
3.399%
Unchanged vs 7 days ago
District Of Columbia 12-month CD rates currently average 3.399% APY based on data from institutions in our monitoring network.
6-Month CD DC Avg
3.052%
▲ 0.043 vs 7 days ago
District Of Columbia 6-month CD rates rose 0.043 points over the past 7 days to 3.052% APY.
As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions
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DC CD Rate Forecast, Next 12 Months
Where are District Of Columbia CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
DC 12-Month Avg APY
3.399%
6-Month Forecast
3.399%
Range: 3.20%, 3.55%
12-Month Forecast
3.649%
Range: 3.45%, 3.80%
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What Your Savings Earn at DC CD Rates Today
Annual interest earnings at today’s District Of Columbia average APYs. State average used where available; national average as fallback.
| CD Term | DC Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.704% | $85.20 | $170.39 | $425.97 | $851.95 |
| 6-Month CD | 3.052% | $152.58 | $305.16 | $762.90 | $1,525.80 |
| 12-Month CD | 3.399% | $169.95 | $339.89 | $849.72 | $1,699.45 |
| 18-Month CD | 3.206% | $160.30 | $320.60 | $801.50 | $1,603.00 |
| 24-Month CD | 3.208% | $160.40 | $320.80 | $802.00 | $1,604.00 |
| 36-Month CD | 3.133% | $156.63 | $313.25 | $783.13 | $1,566.25 |
| 48-Month CD | 3.039% | $151.94 | $303.88 | $759.70 | $1,519.40 |
| 60-Month CD | 3.186% | $159.28 | $318.55 | $796.38 | $1,592.75 |
| 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 District Of Columbia Savers
$25,000 split equally across 5 terms using today’s District Of Columbia average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | DC Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.704% | $85.20 |
| 2 | 6-Month CD | $5,000 | 3.052% | $152.58 |
| 3 | 12-Month CD | $5,000 | 3.399% | $169.95 |
| 4 | 24-Month CD | $5,000 | 3.208% | $160.40 |
| 5 | 36-Month CD | $5,000 | 3.133% | $156.63 |
| Total ($25,000 invested) | $25,000 | 2.899% blended | $724.76/yr | |
Ladder example uses equal $5,000 rungs and District Of Columbia average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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664
CD Rates
Tracked in District Of Columbia
Tracked in District Of Columbia
18 Banks
35 Credit Unions
About Our District Of Columbia CD Rate Database
MonitorBankRates tracks 664 CD rates from 18 banks and 35 credit unions with locations in District Of Columbia, plus national online institutions available to District Of Columbia 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: Congressional Federal Credit Union offers a CD at 6.00% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in District Of Columbia.
How to Find the Best CD Rates in District Of Columbia
What to compare when shopping for a CD in District Of Columbia
To find the best APYs in District Of Columbia, start with credit unions and online-only banks: District Of Columbia has 35 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 District Of Columbia
- 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 District Of Columbia: 53 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare District Of Columbia savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare District Of Columbia money market rates
District Of Columbia Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
12.8%
National avg: 17.3%
Median Individual Earnings
$82,078
National avg: $47,340
Poverty Rate
15.4%
National avg: 11.1%
Unemployment Rate
6.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$279/yr
At DC 12-mo avg 3.399% APY
12.8% of residents are 65 or older, below the national average of 17.3%. At today’s DC 12-month CD average of 3.399%, saving 10% of the local median salary ($8,207/year) and putting it in a CD would earn an additional $279 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 District Of Columbia
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 District Of Columbia
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 District Of Columbia 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 District Of Columbia as everywhere in the U.S.
Choosing a CD Term in District Of Columbia
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give District Of Columbia savers easier access to their funds. For example, NATIONAL INSTITUTES OF HEALTH is offering its 6 Month Youth Saver Certificate at 5.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, NASA Federal Credit Union is offering its 60 Month Share Certificate at 4.55% 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 District Of Columbia 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 District Of Columbia 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 District Of Columbia
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 District Of Columbia 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 District Of Columbia
Most CDs carry a fixed rate that is locked for the entire term, protecting a District Of Columbia 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 District Of Columbia
Are CD rates in District Of Columbia FDIC insured?
Yes, most established banks in District Of Columbia 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 District Of Columbia?
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 District Of Columbia.
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 District Of Columbia 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 District Of Columbia?
Here are recent top rates found for this area:
- Congressional Federal Credit Union: 6.00% APY (Flexible Saver - 1 Year Certificate)
- NATIONAL INSTITUTES OF HEALTH: 5.00% APY (12 Month Jumbo Certificate)
- Government Printing Office Federal Credit Union: 4.62% APY (6 Month Certificate)
- PAHO WHO Federal Credit Union: 4.59% APY (36 Month IRA Certificate)
- NASA Federal Credit Union: 4.55% APY (60 Month Share Certificate)
- Library Of Congress Federal Credit Union: 4.52% APY (60 Month Traditional, Roth, SEP & Education IRA Certificate)
- Signal Financial Federal Credit Union: 4.50% APY (Business Share Certificates - 60 Months)
- HSBC Bank USA: 4.45% APY (24 Month CD)
- EagleBank: 4.45% APY (12 Month CD)
- Dept of Labor Federal Credit Union: 4.37% APY (Share and IRA Certificates - 1 year Paycheck Certificate Promo)
Rates reflect recent verified offers available in District Of Columbia. Last Updated: October 13, 2026
District Of Columbia 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 District Of Columbia rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for District Of Columbia
District Of Columbia CD Calculator
At today’s DC top rate of 6.00% APY, a $10,000 deposit earns $600 in the first year. Enter your amount to see your exact return.
District Of Columbia CD LadderDC CD rates currently range from 1.704% (3-month) to 3.133% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a District Of Columbia CD at 6.00% 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 SavingsDistrict Of Columbia’s average 12-month CD is 3.399% 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 District Of Columbia 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 District Of Columbia 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 District Of Columbia. 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 DC.
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
District Of Columbia Rates & Resources
District Of Columbia Mortgage Rates
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District Of Columbia Home Equity Loan Rates
District Of Columbia Savings Rates
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