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District Of Columbia Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current District Of Columbia CD rates include Congressional Federal Credit UnionCongressional Federal Credit UnionRoom B 203, Washington, DC 20515A+5.0 ★Texas Ratio: 4.81%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: 1.38%Real return: +2.20%APY minus CPI (February 2026) offering 6 Month Youth Saver at 5.00% APY, PAHO WHO Federal Credit UnionPAHO WHO Federal Credit Union2112 F St NW, Washington, DC 20037A+5.0 ★Texas Ratio: 2.04%Real return: +1.79%APY minus CPI (February 2026) offering 36 Month IRA Certificate at 4.59% APY, EagleBankEagleBank700 K St Nw Ste 60, Washington, DC 20001A5.0 ★Texas Ratio: 11.85%Real return: +1.65%APY minus CPI (February 2026) offering 12 Month CD at 4.45% APY, and Dept of Labor Federal Credit UnionDept of Labor Federal Credit Union200 Constitution Ave NW, Washington, DC 20210A+5.0 ★Texas Ratio: 2.85%Real return: +1.57%APY minus CPI (February 2026) offering 1 year Paycheck Certificate Promo at 4.37% APY. CD rates as of September 21, 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: September 21, 2026
Compare Best CD Rates in District Of Columbia
District Of Columbia 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD2.06% APY▲ 0.02% from last week
The national average 3-month CD rate is 2.06% APY as of September 22, 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: 1.38%
5215 Loughboro Rd NW, Washington, DC 20016
3 Month Certificate
$500
3.88%
▲ 1.82% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.82% above avg
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
5215 Loughboro Rd NW, Washington, DC 20016
3 Month Certificate
$500
3.62%
▲ 1.56% above national avg
▼
Rate3.56%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.56% above avg
Details
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%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details
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%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
1025 Connecticut Ave Nw Fl 1, Washington, DC 20036
3 Month Standard CDs and IRAs
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details
Schedule an Appointment
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
2001 M St Nw, Washington, DC 20036
3 Month CD
$0
2.78%
▲ 0.72% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.72% above avg
Details
Term: 3 months (90 to 179 days)
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%
▼ 0.70% below national avg
▼
Rate1.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.70% below avg
Details
Early Withdrawl Penalty 30 days' simple interest
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%
▼ 0.80% below national avg
▼
Rate1.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.80% below avg
Details
Early Withdrawl Penalty 30 days' simple interest
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
3 Month Business Share Certificates Plus Jumbo
$0
1.11%
▼ 0.95% below national avg
▼
Rate1.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.95% below avg
Details
$200,000
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
3 Month Smart Share Certificate
$0
1.11%
▼ 0.95% below national avg
▼
Rate1.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.95% below avg
Details
Balance: $200,000 Plus Jumbo
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
3 Month Business Share Certificates
$0
1.06%
▼ 1.00% below national avg
▼
Rate1.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.00% below avg
Details
$100,000 - $199,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
3 Month Smart Share Certificate
$0
1.06%
▼ 1.00% below national avg
▼
Rate1.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.00% below avg
Details
Balance: $100,000 -$199,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
3 Month Business Share Certificates less than
$0
1.01%
▼ 1.05% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.05% below avg
Details
$99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
3 Month Smart Share Certificate
$0
1.01%
▼ 1.05% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.05% below avg
Details
Balance: less than $99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
3 months less than
$0
1.01%
▼ 1.05% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.05% below avg
Details
$99,999
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1753 Connecticut Ave Nw, Washington, DC 20009
3 Month CD
$250
1.00%
▼ 1.06% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.06% below avg
Details
Relationship APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1753 Connecticut Ave Nw, Washington, DC 20009
3 Month Certificate
$0
1.00%
▼ 1.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.06% below avg
Details
Balance: $250.00 - $9,999.99
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
1717 DeSales St NW, Washington, DC 20036
3 Month Investment Share and IRA Certificates
$0
1.00%
▼ 1.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.06% below avg
Details
Treasury Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
1101 2nd St NE, Washington, DC 20002 3403
3 Month Certificate
$0
0.65%
▼ 1.41% below national avg
▼
Rate0.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 1.41% below avg
Details
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1825 K St Nw, Washington, DC 20006
3 Month IRA CD
$500
0.55%
▼ 1.51% below national avg
▼
Rate0.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.51% below avg
Details
Balance: $500-$249,999.99
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
1001 G St Nw, Washington, DC 20001
3 Month Standard Rate CDs
$500
0.50%
▼ 1.56% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.56% below avg
Details
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%
▼ 1.96% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.96% below avg
Details
A penalty is imposed for early withdrawal. Fees could reduce earnings.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1350 New York Ave Nw, Washington, DC 20005
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.00% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1350 New York Ave Nw, Washington, DC 20005
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1101 New York Ave NW, Washington, DC 20005 4269
3 Month Certificate
$500
0.02%
▼ 2.04% below national avg
▼
Rate0.02%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 2.04% below avg
Details
District Of Columbia 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.77% APY▲ 0.02% from last week
The national average 6-month CD rate is 2.77% APY as of September 22, 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: 1.38%
5215 Loughboro Rd NW, Washington, DC 20016
6 Month Youth Saver
$500
5.00%
▲ 2.23% above national avg
▼
Rate4.88%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 2.23% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
4860 Massachusetts Ave Nw, Washington, DC 20016
6 Month 360 CDs
$0
4.30%
▲ 1.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.53% above avg
Details
Fixed APY | No minimum balance
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
700 K St Nw Ste 60, Washington, DC 20001
6 Month CD
$1,000
4.20%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.43% above avg
Details
The Annual Percentage Yield (APY) is accurate as of 09/10/2026. 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.
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
6 Month IRA Certificate
$0
4.13%
▲ 1.36% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.36% above avg
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
6 Month Share Certificate
$0
4.13%
▲ 1.36% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.36% above avg
Details
Balance: $1M+
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
300 E St SW Ste GC 21, Washington, DC 20024
6 Month Share Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Balance: $1,000
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
2001 M St Nw, Washington, DC 20036
Special 6-Month Fixed Rate
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Term: Special 6-Month Fixed Rate2
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
6 Month Share Certificate
$0
3.87%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.10% above avg
Details
Balance: $250,000-$999,999
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.27%
1130 Connecticut Ave Nw, Washington, DC 20036
6 Month CD
$500
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.08% above avg
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1101 New York Ave NW, Washington, DC 20005 4269
6 Month Certificate
$500
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
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%
▲ 0.93% above national avg
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
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%
▲ 0.93% above national avg
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
5215 Loughboro Rd NW, Washington, DC 20016
6 Month Certificate
$500
3.62%
▲ 0.85% above national avg
▼
Rate3.56%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.85% above avg
Details
Congressional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Room B 203, Washington, DC 20515
Jumbo - 6 Month Certificate
$100,000
3.60%
▲ 0.83% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.83% above avg
Details
Term: Jumbo - 6 Month Certificate; Special Rate (APY):
AFL-CIO Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
555 New Jersey Ave NW, Washington, DC 20001
6 Month Traditional Term Share Certificate
$500
3.56%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.79% above avg
Details
Congressional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Room B 203, Washington, DC 20515
6 Month Certificate
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.73% above avg
Details
Special Rate (APY):
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
1300 New York Ave NW, Washington, DC 20577 0001
6 Month Share Certificates
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.73% above avg
Details
Balance: $250,000 and Over
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
1300 New York Ave NW, Washington, DC 20577 0001
6 Month Share Certificates
$0
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.68% above avg
Details
Balance: $100,000 - $249,999.99
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
2000 14th St NW, Washington, DC 20009 4473
Educational 6 Month Share Certificate
$500
3.45%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.68% above avg
Details
Educational IRA
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
1300 New York Ave NW, Washington, DC 20577 0001
6 Month Share Certificates
$0
3.40%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.63% above avg
Details
Balance: $1,000 - $99,999.99
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
6 Month Share Certificate
$0
3.40%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.63% above avg
Details
Balance: $100,000-$249,999
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
5215 Loughboro Rd NW, Washington, DC 20016
6 Month Certificate
$500
3.38%
▲ 0.61% above national avg
▼
Rate3.32%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.61% above avg
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
6 Month Share Certificate
$0
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.58% above avg
Details
Balance: $500-$99,999
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
4860 Massachusetts Ave Nw, Washington, DC 20016
6 Month CD
$0
3.30%
▲ 0.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
1717 DeSales St NW, Washington, DC 20036
6 Month Cert.
$0
3.25%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.48% above avg
Details
Featured Rate
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
1717 DeSales St NW, Washington, DC 20036
6 Month Certificate
$0
3.25%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.48% above avg
Details
Rates are accurate as of 9/14/26. Rates may change after account opening.
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
1717 DeSales St NW, Washington, DC 20036
6 Month Investment Share and IRA Certificates
$0
3.25%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.48% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
457 Lenfant Plz SW, Washington, DC 20024 2111
6 Months (182 Days) Certificate
$0
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.48% above avg
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
1025 Connecticut Ave Nw Fl 1, Washington, DC 20036
6 Month Standard CDs and IRAs
$0
3.00%
▲ 0.23% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.23% above avg
Details
Schedule an Appointment
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
6 Months Regular
$500
3.00%
▲ 0.23% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.23% above avg
Details
FedPerks APY: 3.25%
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
200 Constitution Ave NW, Washington, DC 20210
6 month certificate
$0
2.95%
▲ 0.18% above national avg
▼
Rate2.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.18% above avg
Details
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1825 K St Nw, Washington, DC 20006
6 Month IRA CD
$500
2.89%
▲ 0.12% above national avg
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.12% above avg
Details
Balance: $500-$249,999.99
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1825 K St Nw, Washington, DC 20006
Personal 6-Month CD
$500
2.87%
▲ 0.10% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.10% above avg
Details
FDIC insured; Guaranteed rate
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
2001 M St Nw, Washington, DC 20036
6 Month CD
$0
2.84%
▲ 0.07% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.07% above avg
Details
Term: 6 months (180 to 269 days)
OAS Staff Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.50%
1889 F St NW, Washington, DC 20006
6 Month Share Certificate
$100,000
2.84%
▲ 0.07% above national avg
▼
Rate2.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.07% above avg
Details
OAS Staff Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.50%
1889 F St NW, Washington, DC 20006
6 Month Share Certificate
$500
2.79%
▲ 0.02% above national avg
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.02% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
6 Month Certificate
$0
2.70%
▼ 0.07% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.07% below avg
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
6 Month Business Share Certificates Plus Jumbo
$0
2.63%
▼ 0.14% below national avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.14% below avg
Details
$200,000
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
6 Month Smart Share Certificate
$0
2.63%
▼ 0.14% below national avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.14% below avg
Details
Balance: $200,000 Plus Jumbo
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
1556 Alabama Ave SE, Washington, DC 20032
6 Month Jumbo Fixed Rate Share Certificates
$10,000
2.60%
▼ 0.17% below national avg
▼
Rate2.58%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.17% below avg
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
6 Month Business Share Certificates
$0
2.58%
▼ 0.19% below national avg
▼
Rate2.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.19% below avg
Details
$100,000 - $199,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
6 Month Smart Share Certificate
$0
2.58%
▼ 0.19% below national avg
▼
Rate2.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.19% below avg
Details
Balance: $100,000 -$199,999
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
1556 Alabama Ave SE, Washington, DC 20032
6 Month Fixed Rate Share Certificates
$1,000
2.55%
▼ 0.22% below national avg
▼
Rate2.53%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.22% below avg
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
6 Month Business Share Certificates less than
$0
2.53%
▼ 0.24% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.24% below avg
Details
$99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
6 Month Smart Share Certificate
$0
2.53%
▼ 0.24% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.24% below avg
Details
Balance: less than $99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
6 months less than
$0
2.53%
▼ 0.24% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.24% below avg
Details
$99,999
EP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.03%
301 13th Street SW RM 215A, Washington, DC 20228 0001
6 Month Certificate
$1,000
2.53%
▼ 0.24% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.24% below avg
Details
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 6 Months
$1,000
2.18%
▼ 0.59% below national avg
▼
Rate2.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 0.59% below avg
Details
Early Withdrawl Penalty 90 days' simple interest
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 6 Months
$1,000
2.08%
▼ 0.69% below national avg
▼
Rate2.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 0.69% below avg
Details
Early Withdrawl Penalty 90 days' simple interest
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
810 VERMONT AVE NW, WASHINGTON, DC 20420
6 Month Regular & IRA Certificates
$500
2.02%
▼ 0.75% below national avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.75% below avg
Details
District Of Columbia 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.95% APY▲ 0.03% from last week
The national average 12-month CD rate is 2.95% APY as of September 22, 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:
A+5.0 ★Texas Ratio: 4.81%
Room B 203, Washington, DC 20515
Flexible Saver - 1 Year Certificate
$100
6.00%
▲ 3.05% above national avg
▼
Rate5.83%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 3.05% above avg
Details
Term: Flexible Saver - 1 Year Certificate; Special Rate (APY):
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
700 K St Nw Ste 60, Washington, DC 20001
12 Month CD
$1,000
4.45%
▲ 1.50% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.50% above avg
Details
The Annual Percentage Yield (APY) is accurate as of 09/10/2026. 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.
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
200 Constitution Ave NW, Washington, DC 20210
1 year Paycheck Certificate Promo
$0
4.37%
▲ 1.42% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.42% above avg
Details
Term: 1 year Paycheck Certificate Promo
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
4860 Massachusetts Ave Nw, Washington, DC 20016
12 Month 360 CDs
$0
4.30%
▲ 1.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.35% above avg
Details
Fixed APY | No minimum balance
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
457 Lenfant Plz SW, Washington, DC 20024 2111
1 Year Starter Add-On Certificate
$0
4.25%
▲ 1.30% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.30% above avg
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
12 Month IRA Certificate
$0
4.13%
▲ 1.18% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.18% above avg
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
12 Month Share Certificate
$0
4.13%
▲ 1.18% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.18% above avg
Details
Balance: $1M+
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
2001 M St Nw, Washington, DC 20036
Special 12-Month Fixed Rate
$0
4.11%
▲ 1.16% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.16% above avg
Details
Term: Special 12-Month Fixed Rate1
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
457 Lenfant Plz SW, Washington, DC 20024 2111
1 Year Add-On Certificate
$0
4.10%
▲ 1.15% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.15% above avg
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
300 E St SW Ste GC 21, Washington, DC 20024
12 Month Share Certificate
$0
4.05%
▲ 1.10% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.10% above avg
Details
Balance: $1,000
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1101 New York Ave NW, Washington, DC 20005 4269
12 Month Certificate
$500
4.05%
▲ 1.10% above national avg
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.10% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
4860 Massachusetts Ave Nw, Washington, DC 20016
1-year online CDs
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
4860 Massachusetts Ave Nw, Washington, DC 20016
12 Month CD
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
300 E St SW Ste GC 21, Washington, DC 20024
12 Month Share Certificate
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.00% above avg
Details
Balance: $250
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.27%
1130 Connecticut Ave Nw, Washington, DC 20036
1 Year CD
$500
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.95% above avg
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
12 Month Share Certificate
$0
3.87%
▲ 0.92% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.92% above avg
Details
Balance: $250,000-$999,999
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%
▲ 0.90% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
Congressional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Room B 203, Washington, DC 20515
Jumbo - 1 Year Certificate
$100,000
3.85%
▲ 0.90% above national avg
▼
Rate3.77%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.90% above avg
Details
Term: Jumbo - 1 Year Certificate; Special Rate (APY):
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
1556 Alabama Ave SE, Washington, DC 20032
Jumbo Traditional, Educational, and Roth IRA Share Certificates - 12-month
$10,000
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details
Treasury Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
1101 2nd St NE, Washington, DC 20002 3403
12 Month Certificate
$0
3.76%
▲ 0.81% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.81% above avg
Details
Presidential Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.48%
1660 K St Nw, Washington, DC 20006
1 Year CD
$1,000
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
A penalty is imposed for early withdrawal. Fees could reduce earnings.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
1556 Alabama Ave SE, Washington, DC 20032
12 Month Jumbo Fixed Rate Share Certificates
$10,000
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
1556 Alabama Ave SE, Washington, DC 20032
Traditional, Educational, and Roth IRA Share Certificates - 12-month
$1,000
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1432 U St Nw, Washington, DC 20009
12 Month IRA CD
$1,000
3.75%
▲ 0.80% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Congressional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Room B 203, Washington, DC 20515
1 Year Certificate
$1,000
3.75%
▲ 0.80% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.80% above avg
Details
Special Rate (APY): 4.40%
Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
441 4th St NW Ste 1140, Washington, DC 20001 2714
12 Month Quick Start Certificate of Deposit
$50
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Maximum balance $3,000.00. Additional deposits allowed. Either the Owner or Joint Owner must have an active Checking account. If requirements not satisfied by 30 days, dividend rate reduced to prevailing rate of the 12-month Certificate. Limit one Quick Start CD per member. Owner or Joint Owner age 18 and older must have a Benefits/Basic Checking account.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
1556 Alabama Ave SE, Washington, DC 20032
12 Month Fixed Rate Share Certificates
$1,000
3.70%
▲ 0.75% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.75% above avg
Details
Treasury Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
1101 2nd St NE, Washington, DC 20002 3403
12 Month Certificate (Booster)
$0
3.66%
▲ 0.71% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.71% above avg
Details
Georgetown University Alumni and Student Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
STE 1328, Washington, DC 20057 0001
12 Month Certificate
$1,000
3.65%
▲ 0.70% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.70% above avg
Details
New money not already on deposit with GUASFCU. Interest paid at certificate maturity.
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
2000 14th St NW, Washington, DC 20009 4473
Educational 12 Month Share Certificate
$100,000
3.60%
▲ 0.65% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.65% above avg
Details
Educational IRA
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
1300 New York Ave NW, Washington, DC 20577 0001
12 Month Share Certificates
$0
3.55%
▲ 0.60% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.60% above avg
Details
Balance: $250,000 and Over
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
2000 14th St NW, Washington, DC 20009 4473
Educational 12 Month Share Certificate
$25,000
3.55%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.60% above avg
Details
Educational IRA
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
12 Months Regular
$500
3.50%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.55% above avg
Details
FedPerks APY: 3.75%
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
1300 New York Ave NW, Washington, DC 20577 0001
12 Month Share Certificates
$0
3.50%
▲ 0.55% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.55% above avg
Details
Balance: $100,000 - $249,999.99
EP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.03%
301 13th Street SW RM 215A, Washington, DC 20228 0001
12 Month Certificate
$1,000
3.50%
▲ 0.55% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
Details
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.23%
4555 Overlook Ave SW Bldg 222, Washington, DC 20375 0001
Share 12 months
$500
3.50%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
1300 New York Ave NW, Washington, DC 20577 0001
12 Month Share Certificates
$0
3.45%
▲ 0.50% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.50% above avg
Details
Balance: $1,000 - $99,999.99
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
2000 14th St NW, Washington, DC 20009 4473
Educational 12 Month Share Certificate
$500
3.45%
▲ 0.50% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.50% above avg
Details
Educational IRA
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
457 Lenfant Plz SW, Washington, DC 20024 2111
1 Year Certificate
$0
3.45%
▲ 0.50% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.50% above avg
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
12 Month Share Certificate
$0
3.40%
▲ 0.45% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.45% above avg
Details
Balance: $100,000-$249,999
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
12 Month Share Certificate
$0
3.35%
▲ 0.40% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.40% above avg
Details
Balance: $500-$99,999
The National Capital Bank of Washington
Institution Rating:
A-5.0 ★Texas Ratio: 14.51%
316 Pennsylvania Ave Se, Washington, DC 20003
Individual Retirement Account (IRA) 12 Months
$1,000
3.30%
▲ 0.35% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.35% above avg
Details
Early Withdrawl Penalty 180 days' simple interest
AFL-CIO Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
555 New Jersey Ave NW, Washington, DC 20001
12 Month Traditional Term Share Certificate
$500
3.30%
▲ 0.35% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.35% above avg
Details
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1100 G St Nw, Washington, DC 20005
12 Month Certificate of Deposit (CDs)
$0
3.25%
▲ 0.30% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.30% above avg
Details
Special rate on select new CD accounts.
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
200 Constitution Ave NW, Washington, DC 20210
1 year certificate
$0
3.25%
▲ 0.30% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.30% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
457 Lenfant Plz SW, Washington, DC 20024 2111
1 Year Share Certificate
$0
3.25%
▲ 0.30% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.30% above avg
Details
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1825 K St Nw, Washington, DC 20006
Personal 1-Year CD
$500
3.15%
▲ 0.20% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.20% above avg
Details
FDIC insured; Guaranteed rate
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.27%
1130 Connecticut Ave Nw, Washington, DC 20036
1 Year No Penalty CD
$500
3.15%
▲ 0.20% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.20% above avg
Details
OAS Staff Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.50%
1889 F St NW, Washington, DC 20006
12 Month Share Certificate
$100,000
3.10%
▲ 0.15% above national avg
▼
Rate3.05%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.15% above avg
Details
OAS Staff Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.50%
1889 F St NW, Washington, DC 20006
12 Month Share Certificate
$500
3.05%
▲ 0.10% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.10% above avg
Details
District Of Columbia 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.82% APY▼ 0.01% from last week
The national average 18-month CD rate is 2.82% APY as of September 22, 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: 11.85%
700 K St Nw Ste 60, Washington, DC 20001
18 Month CD
$1,000
4.35%
▲ 1.53% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.53% above avg
Details
The Annual Percentage Yield (APY) is accurate as of 09/10/2026. 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.
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
4860 Massachusetts Ave Nw, Washington, DC 20016
18 Month 360 CDs
$0
4.30%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.48% above avg
Details
Fixed APY | No minimum balance
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.27%
1130 Connecticut Ave Nw, Washington, DC 20036
18 Month CD
$500
3.90%
▲ 1.08% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.08% above avg
Details
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
1680 K St Nw, Washington, DC 20006
18 MONTH SELECT Certificate of Deposit
$1,000
3.85%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.03% above avg
Details
Requires a qualifying checking account.
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
1680 K St Nw, Washington, DC 20006
18-Month M&T Select CD
$0
3.85%
▲ 1.03% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.03% above avg
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1101 New York Ave NW, Washington, DC 20005 4269
18 Month Certificate
$500
3.67%
▲ 0.85% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.85% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
4860 Massachusetts Ave Nw, Washington, DC 20016
18 Month CD
$0
3.60%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.78% above avg
Details
Georgetown University Alumni and Student Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
STE 1328, Washington, DC 20057 0001
18 Month Certificate
$1,000
3.60%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.78% above avg
Details
New money not already on deposit with GUASFCU. Interest paid at certificate maturity.
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
1300 New York Ave NW, Washington, DC 20577 0001
18 Month Share Certificates
$0
3.45%
▲ 0.63% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.63% above avg
Details
Balance: $250,000 and Over
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
1300 New York Ave NW, Washington, DC 20577 0001
18 Month Share Certificates
$0
3.35%
▲ 0.53% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.53% above avg
Details
Balance: $100,000 - $249,999.99
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
1300 New York Ave NW, Washington, DC 20577 0001
18 Month Share Certificates
$0
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.48% above avg
Details
Balance: $1,000 - $99,999.99
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%
▲ 0.33% above national avg
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.33% above avg
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
18 Months Regular
$500
3.10%
▲ 0.28% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.28% above avg
Details
FedPerks APY: 3.35%
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%
▲ 0.18% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.18% above avg
Details
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%
▲ 0.18% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.18% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
18 Month Certificate
$0
2.90%
▲ 0.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.08% above avg
Details
OAS Staff Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.50%
1889 F St NW, Washington, DC 20006
18 Month Share Certificate
$100,000
2.53%
▼ 0.29% below national avg
▼
Rate2.50%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▼ 0.29% below avg
Details
OAS Staff Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.50%
1889 F St NW, Washington, DC 20006
18 Month Share Certificate
$500
2.48%
▼ 0.34% below national avg
▼
Rate2.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▼ 0.34% below avg
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
5215 Loughboro Rd NW, Washington, DC 20016
18 Month Certificate
$500
2.25%
▼ 0.57% below national avg
▼
Rate2.23%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 0.57% below avg
Details
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
1001 G St Nw, Washington, DC 20001
18 Month Standard Rate CDs
$500
1.80%
▼ 1.02% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.02% below avg
Details
Hingham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
1061 Thomas Jefferson St Nw, Washington, DC 20007
18 Month Certificate
$0
1.75%
▼ 1.07% below national avg
▼
Rate1.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▼ 1.07% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1753 Connecticut Ave Nw, Washington, DC 20009
18 Month CD
$250
1.00%
▼ 1.82% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.82% below avg
Details
Relationship APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1753 Connecticut Ave Nw, Washington, DC 20009
18 Month Certificate
$0
1.00%
▼ 1.82% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.82% below avg
Details
Balance: $250.00 - $9,999.99
District Of Columbia 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.84% APYUnchanged from last week
The national average 24-month CD rate is 2.84% APY as of September 22, 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: 11.85%
700 K St Nw Ste 60, Washington, DC 20001
24 Month CD
$1,000
4.35%
▲ 1.51% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.51% above avg
Details
The Annual Percentage Yield (APY) is accurate as of 09/10/2026. 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.
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
4860 Massachusetts Ave Nw, Washington, DC 20016
24 Month 360 CDs
$0
4.30%
▲ 1.46% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.46% above avg
Details
Fixed APY | No minimum balance
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
24 Month IRA Certificate
$0
4.13%
▲ 1.29% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.29% above avg
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
24 Month Share Certificate
$0
4.13%
▲ 1.29% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.29% above avg
Details
Balance: $1M+
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
300 E St SW Ste GC 21, Washington, DC 20024
24 Month Share Certificate
$0
4.10%
▲ 1.26% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.26% above avg
Details
Balance: $1,000
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
300 E St SW Ste GC 21, Washington, DC 20024
24 Month Share Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: $1,000
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
24 Month Share Certificate
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.03% above avg
Details
Balance: $250,000-$999,999
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
1556 Alabama Ave SE, Washington, DC 20032
Jumbo Traditional, Educational, and Roth IRA Share Certificates - 24-month
$10,000
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.96% above avg
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
1556 Alabama Ave SE, Washington, DC 20032
24 Month Jumbo Fixed Rate Share Certificates
$10,000
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
1556 Alabama Ave SE, Washington, DC 20032
Traditional, Educational, and Roth IRA Share Certificates - 24-month
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
2000 14th St NW, Washington, DC 20009 4473
Educational 24 Month Share Certificate
$100,000
3.74%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.90% above avg
Details
Educational IRA
Library Of Congress Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
101 Independence Ave SE Rm 634, Washington, DC 20540 0002
24 Month Certificate
$0
3.71%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 0.87% above avg
Details
Computed daily from day of deposit to the day of withdrawal, paid and compounded monthly. All rates are subject to change without notice.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
1556 Alabama Ave SE, Washington, DC 20032
24 Month Fixed Rate Share Certificates
$1,000
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
1556 Alabama Ave SE, Washington, DC 20032
24 Month Raise Your Rate Share Certificate
$1,000
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details
Congressional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Room B 203, Washington, DC 20515
Jumbo - 2 Year Certificate
$100,000
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.86% above avg
Details
Term: Jumbo - 2 Year Certificate; Special Rate (APY): 4.00%
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
2000 14th St NW, Washington, DC 20009 4473
Educational 24 Month Share Certificate
$50,000
3.69%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.85% above avg
Details
Educational IRA
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1101 New York Ave NW, Washington, DC 20005 4269
24 Month Certificate
$500
3.67%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.83% above avg
Details
Treasury Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
1101 2nd St NE, Washington, DC 20002 3403
24 Month Certificate
$0
3.66%
▲ 0.82% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.82% above avg
Details
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
2000 14th St NW, Washington, DC 20009 4473
Educational 24 Month IRA Share Certificate
$2,000
3.64%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.80% above avg
Details
Educational IRA
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
2000 14th St NW, Washington, DC 20009 4473
Educational 24 Month Share Certificate
$25,000
3.64%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.80% above avg
Details
Educational IRA
Congressional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Room B 203, Washington, DC 20515
2 Year Certificate
$1,000
3.60%
▲ 0.76% above national avg
▼
Rate3.53%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.76% above avg
Details
Special Rate (APY): 4.40%
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
2000 14th St NW, Washington, DC 20009 4473
Educational 24 Month Share Certificate
$500
3.59%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.75% above avg
Details
Educational IRA
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
4860 Massachusetts Ave Nw, Washington, DC 20016
24 Month CD
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
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%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
A penalty is imposed for early withdrawal. Fees could reduce earnings.
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.27%
1130 Connecticut Ave Nw, Washington, DC 20036
2 Year CD
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
457 Lenfant Plz SW, Washington, DC 20024 2111
2 Years Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.23%
4555 Overlook Ave SW Bldg 222, Washington, DC 20375 0001
Share 24 months
$500
3.45%
▲ 0.61% above national avg
▼
Rate3.39%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.61% above avg
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
24 Month Share Certificate
$0
3.40%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.56% above avg
Details
Balance: $100,000-$249,999
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
24 Months Regular
$500
3.35%
▲ 0.51% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.51% above avg
Details
FedPerks APY: 3.60%
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
1300 New York Ave NW, Washington, DC 20577 0001
24 Month Share Certificates
$0
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.51% above avg
Details
Balance: $250,000 and Over
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
24 Month Share Certificate
$0
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.51% above avg
Details
Balance: $500-$99,999
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
200 Constitution Ave NW, Washington, DC 20210
2 year certificate
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.46% above avg
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
1300 New York Ave NW, Washington, DC 20577 0001
24 Month Share Certificates
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.46% above avg
Details
Balance: $100,000 - $249,999.99
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
457 Lenfant Plz SW, Washington, DC 20024 2111
2 Year Certificate
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.46% above avg
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
1300 New York Ave NW, Washington, DC 20577 0001
24 Month Share Certificates
$0
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.41% above avg
Details
Balance: $1,000 - $99,999.99
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
2 Year Certificate
$0
3.20%
▲ 0.36% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.36% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
457 Lenfant Plz SW, Washington, DC 20024 2111
2 Year Share Certificate
$0
3.20%
▲ 0.36% above national avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.36% above avg
Details
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1432 U St Nw, Washington, DC 20009
24 Month CD
$1,000
3.15%
▲ 0.31% above national avg
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.31% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
2 Year IRA Certificates
$0
3.10%
▲ 0.26% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.26% above avg
Details
Term: 2 Year IRA Certificate; $1,000 minimum balance to open
AFL-CIO Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
555 New Jersey Ave NW, Washington, DC 20001
24 Month Traditional Term Share Certificate
$500
3.04%
▲ 0.20% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.20% above avg
Details
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
1432 U St Nw, Washington, DC 20009
24 Month IRA CD
$1,000
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.16% above avg
Details
EP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.03%
301 13th Street SW RM 215A, Washington, DC 20228 0001
24 Month Certificate
$1,000
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.16% above avg
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
24 Month Business Share Certificates Plus Jumbo
$0
2.94%
▲ 0.10% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.10% above avg
Details
$200,000
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
24 Month Smart Share Certificate
$0
2.94%
▲ 0.10% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.10% above avg
Details
Balance: $200,000 Plus Jumbo
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
24 Month Business Share Certificates
$0
2.89%
▲ 0.05% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.05% above avg
Details
$100,000 - $199,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
24 Month Smart Share Certificate
$0
2.89%
▲ 0.05% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.05% above avg
Details
Balance: $100,000 -$199,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
24 Month Business Share Certificates less than
$0
2.84%
At national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%At the average
Details
$99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
24 Month Smart Share Certificate
$0
2.84%
At national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%At the average
Details
Balance: less than $99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
24 months less than
$0
2.84%
At national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%At the average
Details
$99,999
OAS Staff Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.50%
1889 F St NW, Washington, DC 20006
24 Month Share Certificate
$100,000
2.69%
▼ 0.15% below national avg
▼
Rate2.65%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.15% below avg
Details
District Of Columbia 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.76% APYUnchanged from last week
The national average 36-month CD rate is 2.76% APY as of September 22, 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: 2.04%
2112 F St NW, Washington, DC 20037
36 Month IRA Certificate
$0
4.59%
▲ 1.83% above national avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.83% above avg
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
36 Month Share Certificate
$0
4.59%
▲ 1.83% above national avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.83% above avg
Details
Balance: $1M+
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
36 Month Share Certificate
$0
4.33%
▲ 1.57% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.57% above avg
Details
Balance: $250,000-$999,999
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
4860 Massachusetts Ave Nw, Washington, DC 20016
36 Month 360 CDs
$0
4.30%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.54% above avg
Details
Fixed APY | No minimum balance
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
300 E St SW Ste GC 21, Washington, DC 20024
36 Month Share Certificate
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.39% above avg
Details
Balance: $1,000
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
457 Lenfant Plz SW, Washington, DC 20024 2111
3 Years Add-On Certificate
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.39% above avg
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
300 E St SW Ste GC 21, Washington, DC 20024
36 Month Share Certificate
$0
4.05%
▲ 1.29% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.29% above avg
Details
Balance: $1,000
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
36 Month Share Certificate
$0
3.87%
▲ 1.11% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.11% above avg
Details
Balance: $100,000-$249,999
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1101 New York Ave NW, Washington, DC 20005 4269
36 Month Certificate
$500
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.06% above avg
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
36 Month Share Certificate
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.06% above avg
Details
Balance: $500-$99,999
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
1556 Alabama Ave SE, Washington, DC 20032
Jumbo Traditional, Educational, and Roth IRA Share Certificates - 36-month
$10,000
3.80%
▲ 1.04% above national avg
▼
Rate3.67%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.04% above avg
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
1556 Alabama Ave SE, Washington, DC 20032
36 Month Jumbo Fixed Rate Share Certificates
$10,000
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
1556 Alabama Ave SE, Washington, DC 20032
Traditional, Educational, and Roth IRA Share Certificates - 36-month
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
1556 Alabama Ave SE, Washington, DC 20032
36 Month Fixed Rate Share Certificates
$1,000
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.94% above avg
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
1556 Alabama Ave SE, Washington, DC 20032
36 Month Raise Your Rate Share Certificate
$1,000
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.94% above avg
Details
Congressional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Room B 203, Washington, DC 20515
Jumbo - 3 Year Certificate
$100,000
3.70%
▲ 0.94% above national avg
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.94% above avg
Details
Term: Jumbo - 3 Year Certificate; Special Rate (APY): 4.00%
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
2000 14th St NW, Washington, DC 20009 4473
Educational 36 Month Share Certificate
$25,000
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details
Educational IRA
Congressional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Room B 203, Washington, DC 20515
3 Year Certificate
$1,000
3.60%
▲ 0.84% above national avg
▼
Rate3.53%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.84% above avg
Details
Special Rate (APY): 4.40%
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
2000 14th St NW, Washington, DC 20009 4473
Educational 36 Month Share Certificate
$500
3.60%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.84% above avg
Details
Educational IRA
Treasury Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
1101 2nd St NE, Washington, DC 20002 3403
36 Month Certificate
$0
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.80% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
4860 Massachusetts Ave Nw, Washington, DC 20016
36 Month CD
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
200 Constitution Ave NW, Washington, DC 20210
3 year certificate
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.23%
4555 Overlook Ave SW Bldg 222, Washington, DC 20375 0001
IRA 36 months
$500
3.45%
▲ 0.69% above national avg
▼
Rate3.39%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.69% above avg
Details
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.27%
1130 Connecticut Ave Nw, Washington, DC 20036
3 Year CD
$500
3.40%
▲ 0.64% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.64% above avg
Details
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.23%
4555 Overlook Ave SW Bldg 222, Washington, DC 20375 0001
Share 36 months
$500
3.40%
▲ 0.64% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.64% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
457 Lenfant Plz SW, Washington, DC 20024 2111
3 Year Share Certificate
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.59% above avg
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
1300 New York Ave NW, Washington, DC 20577 0001
36 Month Share Certificates
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.54% above avg
Details
Balance: $250,000 and Over
Presidential Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.48%
1660 K St Nw, Washington, DC 20006
3 Year CD
$1,000
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.49% above avg
Details
A penalty is imposed for early withdrawal. Fees could reduce earnings.
EP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.03%
301 13th Street SW RM 215A, Washington, DC 20228 0001
36 Month Certificate
$1,000
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.49% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
3 Year Certificate
$0
3.20%
▲ 0.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.44% above avg
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
1300 New York Ave NW, Washington, DC 20577 0001
36 Month Share Certificates
$0
3.20%
▲ 0.44% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.44% above avg
Details
Balance: $100,000 - $249,999.99
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
36 Months Regular
$500
3.15%
▲ 0.39% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.39% above avg
Details
FedPerks APY: 3.40%
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
1300 New York Ave NW, Washington, DC 20577 0001
36 Month Share Certificates
$0
3.15%
▲ 0.39% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.39% above avg
Details
Balance: $1,000 - $99,999.99
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
3 Year IRA Certificates
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.34% above avg
Details
Term: 3 Year IRA Certificate; $1,000 minimum balance to open
AFL-CIO Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
555 New Jersey Ave NW, Washington, DC 20001
36 Month Traditional Term Share Certificate
$500
3.04%
▲ 0.28% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.28% above avg
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
5215 Loughboro Rd NW, Washington, DC 20016
36 Month Certificate
$500
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.24% above avg
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
36 Month Business Share Certificates Plus Jumbo
$0
2.99%
▲ 0.23% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.23% above avg
Details
$200,000
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
36 Month Smart Share Certificate
$0
2.99%
▲ 0.23% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.23% above avg
Details
Balance: $200,000 Plus Jumbo
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
36 Month Business Share Certificates
$0
2.94%
▲ 0.18% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.18% above avg
Details
$100,000 - $199,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
36 Month Smart Share Certificate
$0
2.94%
▲ 0.18% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.18% above avg
Details
Balance: $100,000 -$199,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
36 Month Business Bump Rate Certificates Plus Jumbo
$0
2.89%
▲ 0.13% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.13% above avg
Details
$200,000; Balance: $200,000 Plus Jumbo
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
36 Month Business Share Certificates less than
$0
2.89%
▲ 0.13% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.13% above avg
Details
$99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
36 Month Share and Bump Rate Certificate Plus Jumbo
$0
2.89%
▲ 0.13% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.13% above avg
Details
$200,000
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
36 Month Share and Bump Rate Certificates Plus Jumbo
$0
2.89%
▲ 0.13% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.13% above avg
Details
$200,000; Balance: $200,000 Plus Jumbo
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
36 Month Smart Share Certificate
$0
2.89%
▲ 0.13% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.13% above avg
Details
Balance: less than $99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
36 months less than
$0
2.89%
▲ 0.13% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.13% above avg
Details
$99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
36 Month Business Bump Rate Certificates
$0
2.84%
▲ 0.08% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.08% above avg
Details
$100,000 - $199,999; Balance: $100,000 - $199,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
36 Month Share and Bump Rate Certificate
$0
2.84%
▲ 0.08% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.08% above avg
Details
$100,000 - $199,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
36 Month Share and Bump Rate Certificates
$0
2.84%
▲ 0.08% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.08% above avg
Details
$100,000 - $199,999; Balance: $100,000 - $199,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
36 Month Business Bump Rate Certificates - Less than
$0
2.79%
▲ 0.03% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.03% above avg
Details
$99,999; Balance: Less than $99,999
District Of Columbia 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.77% APY▼ 0.01% from last week
The national average 48-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
4860 Massachusetts Ave Nw, Washington, DC 20016
48 Month 360 CDs
$0
4.30%
▲ 1.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.53% above avg
Details
Fixed APY | No minimum balance
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
300 E St SW Ste GC 21, Washington, DC 20024
48 Month Share Certificate
$0
4.20%
▲ 1.43% above national avg
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.43% above avg
Details
Balance: $1,000
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
48 Month IRA Certificate
$0
4.13%
▲ 1.36% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.36% above avg
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
48 Month Share Certificate
$0
4.13%
▲ 1.36% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.36% above avg
Details
Balance: $1M+
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
48 Month Share Certificate
$0
3.87%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.10% above avg
Details
Balance: $250,000-$999,999
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1101 New York Ave NW, Washington, DC 20005 4269
48 Month Certificate
$500
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
1556 Alabama Ave SE, Washington, DC 20032
Jumbo Traditional, Educational, and Roth IRA Share Certificates - 48-month
$10,000
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
1556 Alabama Ave SE, Washington, DC 20032
48 Month Jumbo Fixed Rate Share Certificates
$10,000
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
1556 Alabama Ave SE, Washington, DC 20032
Traditional, Educational, and Roth IRA Share Certificates - 48-month
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
2000 14th St NW, Washington, DC 20009 4473
Educational 48 Month Share Certificate
$25,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Educational IRA
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
1556 Alabama Ave SE, Washington, DC 20032
48 Month Fixed Rate Share Certificates
$1,000
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
1556 Alabama Ave SE, Washington, DC 20032
48 Month Raise Your Rate Share Certificate
$1,000
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
2000 14th St NW, Washington, DC 20009 4473
Educational 48 Month Share Certificate
$500
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details
Educational IRA
Congressional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Room B 203, Washington, DC 20515
4 Year Certificate
$1,000
3.60%
▲ 0.83% above national avg
▼
Rate3.53%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.83% above avg
Details
Special Rate (APY): 4.40%
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
4860 Massachusetts Ave Nw, Washington, DC 20016
48 Month CD
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
200 Constitution Ave NW, Washington, DC 20210
4 year certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.27%
1130 Connecticut Ave Nw, Washington, DC 20036
4 Year CD
$500
3.40%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.63% above avg
Details
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.23%
4555 Overlook Ave SW Bldg 222, Washington, DC 20375 0001
Share 48 months
$500
3.40%
▲ 0.63% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.63% above avg
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
48 Month Share Certificate
$0
3.40%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.63% above avg
Details
Balance: $100,000-$249,999
Treasury Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
1101 2nd St NE, Washington, DC 20002 3403
48 Month Certificate
$0
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.58% above avg
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
48 Month Share Certificate
$0
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.58% above avg
Details
Balance: $500-$99,999
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
1300 New York Ave NW, Washington, DC 20577 0001
48 Month Share Certificates
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.53% above avg
Details
Balance: $250,000 and Over
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
4 Year Certificate
$0
3.20%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.43% above avg
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
1300 New York Ave NW, Washington, DC 20577 0001
48 Month Share Certificates
$0
3.20%
▲ 0.43% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.43% above avg
Details
Balance: $100,000 - $249,999.99
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
1300 New York Ave NW, Washington, DC 20577 0001
48 Month Share Certificates
$0
3.15%
▲ 0.38% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.38% above avg
Details
Balance: $1,000 - $99,999.99
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
4 Year IRA Certificates
$0
3.10%
▲ 0.33% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.33% above avg
Details
Term: 4 Year IRA Certificate; $1,000 minimum balance to open
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 Month Business Share Certificates Plus Jumbo
$0
3.05%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.28% above avg
Details
$200,000
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 Month Smart Share Certificate
$0
3.05%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.28% above avg
Details
Balance: $200,000 Plus Jumbo
EP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.03%
301 13th Street SW RM 215A, Washington, DC 20228 0001
48 Month Certificate
$1,000
3.04%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.27% above avg
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 Month Business Share Certificates
$0
2.99%
▲ 0.22% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.22% above avg
Details
$100,000 - $199,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 Month Smart Share Certificate
$0
2.99%
▲ 0.22% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.22% above avg
Details
Balance: $100,000 -$199,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 Month Business Bump Rate Certificates Plus Jumbo
$0
2.94%
▲ 0.17% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.17% above avg
Details
$200,000; Balance: $200,000 Plus Jumbo
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 Month Business Share Certificates less than
$0
2.94%
▲ 0.17% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.17% above avg
Details
$99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 Month Share and Bump Rate Certificate Plus Jumbo
$0
2.94%
▲ 0.17% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.17% above avg
Details
$200,000
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 Month Share and Bump Rate Certificates Plus Jumbo
$0
2.94%
▲ 0.17% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.17% above avg
Details
$200,000; Balance: $200,000 Plus Jumbo
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 Month Smart Share Certificate
$0
2.94%
▲ 0.17% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.17% above avg
Details
Balance: less than $99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 months less than
$0
2.94%
▲ 0.17% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.17% above avg
Details
$99,999
EP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.03%
301 13th Street SW RM 215A, Washington, DC 20228 0001
48 Month Terms
$1,000
2.93%
▲ 0.16% above national avg
▼
Rate2.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.16% above avg
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
1111 Constitution Ave Rm 1716, Washington, DC 20224 0001
48 Months Regular
$500
2.90%
▲ 0.13% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.13% above avg
Details
FedPerks APY: 3.15%
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
1300 New York Ave NW, Washington, DC 20577 0001
4 Year Step-Up Share Certificates
$0
2.90%
▲ 0.13% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.13% above avg
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 Month Business Bump Rate Certificates
$0
2.89%
▲ 0.12% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.12% above avg
Details
$100,000 - $199,999; Balance: $100,000 - $199,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 Month Share and Bump Rate Certificate
$0
2.89%
▲ 0.12% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.12% above avg
Details
$100,000 - $199,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 Month Share and Bump Rate Certificates
$0
2.89%
▲ 0.12% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.12% above avg
Details
$100,000 - $199,999; Balance: $100,000 - $199,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 Month Business Bump Rate Certificates - Less than
$0
2.84%
▲ 0.07% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.07% above avg
Details
$99,999; Balance: Less than $99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 Month Share and Bump Rate Certificate - less than
$0
2.84%
▲ 0.07% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.07% above avg
Details
$99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
48 Month Share and Bump Rate Certificates - less than
$0
2.84%
▲ 0.07% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.07% above avg
Details
$99,999; Balance: less than $99,999
OAS Staff Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.50%
1889 F St NW, Washington, DC 20006
48 Month Share Certificate
$100,000
2.58%
▼ 0.19% below national avg
▼
Rate2.55%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.19% below avg
Details
OAS Staff Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.50%
1889 F St NW, Washington, DC 20006
48 Month Share Certificate
$500
2.53%
▼ 0.24% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.24% below avg
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
810 VERMONT AVE NW, WASHINGTON, DC 20420
48 Month Bonus Certificate
$0
2.53%
▼ 0.24% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.24% below avg
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
1025 Connecticut Ave Nw Fl 1, Washington, DC 20036
4 Year Standard CDs and IRAs
$0
2.50%
▼ 0.27% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.27% below avg
Details
Schedule an Appointment
District Of Columbia 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.84% APY▼ 0.01% from last week
The national average 60-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
4860 Massachusetts Ave Nw, Washington, DC 20016
60 Month 360 CDs
$0
4.30%
▲ 1.46% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.46% above avg
Details
Fixed APY | No minimum balance
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
300 E St SW Ste GC 21, Washington, DC 20024
60 Month Share Certificate
$0
4.28%
▲ 1.44% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.44% above avg
Details
Balance: $1,000
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
60 Month IRA Certificate
$0
4.13%
▲ 1.29% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.29% above avg
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
60 Month Share Certificate
$0
4.13%
▲ 1.29% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.29% above avg
Details
Balance: $1M+
Library Of Congress Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
101 Independence Ave SE Rm 634, Washington, DC 20540 0002
60 Month Traditional, Roth, SEP & Education IRA Certificate
$0
3.96%
▲ 1.12% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.12% above avg
Details
Library Of Congress Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
101 Independence Ave SE Rm 634, Washington, DC 20540 0002
60 Month Share Certificate
$0
3.91%
▲ 1.07% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.07% above avg
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
60 Month Share Certificate
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.03% above avg
Details
Balance: $250,000-$999,999
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1101 New York Ave NW, Washington, DC 20005 4269
60 Month Certificate
$500
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.98% above avg
Details
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
2000 14th St NW, Washington, DC 20009 4473
Educational 60 Month Share Certificate
$500
3.81%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.97% above avg
Details
Educational IRA
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
1556 Alabama Ave SE, Washington, DC 20032
Jumbo Traditional, Educational, and Roth IRA Share Certificates - 60-month
$10,000
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.96% above avg
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
1556 Alabama Ave SE, Washington, DC 20032
60 Month Jumbo Fixed Rate Share Certificates
$10,000
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
1556 Alabama Ave SE, Washington, DC 20032
Traditional, Educational, and Roth IRA Share Certificates - 60-month
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
1556 Alabama Ave SE, Washington, DC 20032
60 Month Fixed Rate Share Certificates
$1,000
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details
Congressional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Room B 203, Washington, DC 20515
5 Year Certificate
$1,000
3.65%
▲ 0.81% above national avg
▼
Rate3.58%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.81% above avg
Details
Special Rate (APY): 4.40%
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
4860 Massachusetts Ave Nw, Washington, DC 20016
5-year online CDs
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
4860 Massachusetts Ave Nw, Washington, DC 20016
60 Month CD
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
457 Lenfant Plz SW, Washington, DC 20024 2111
5 Years Certificate
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
200 Constitution Ave NW, Washington, DC 20210
5 year certificate
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
457 Lenfant Plz SW, Washington, DC 20024 2111
5 Year Share Certificate
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.61% above avg
Details
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.27%
1130 Connecticut Ave Nw, Washington, DC 20036
5 Year CD
$500
3.40%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.56% above avg
Details
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.23%
4555 Overlook Ave SW Bldg 222, Washington, DC 20375 0001
Share 60 months
$500
3.40%
▲ 0.56% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.56% above avg
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
60 Month Share Certificate
$0
3.40%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.56% above avg
Details
Balance: $100,000-$249,999
Treasury Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
1101 2nd St NE, Washington, DC 20002 3403
60 Month Certificate
$0
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.51% above avg
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2112 F St NW, Washington, DC 20037
60 Month Share Certificate
$0
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.51% above avg
Details
Balance: $500-$99,999
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
1300 New York Ave NW, Washington, DC 20577 0001
60 Month Share Certificates
$0
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.41% above avg
Details
Balance: $250,000 and Over
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
5 Year Certificate
$0
3.20%
▲ 0.36% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.36% above avg
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
1300 New York Ave NW, Washington, DC 20577 0001
60 Month Share Certificates
$0
3.15%
▲ 0.31% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.31% above avg
Details
Balance: $100,000 - $249,999.99
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
5 Year IRA Certificates
$0
3.10%
▲ 0.26% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.26% above avg
Details
Term: 5 Year IRA Certificate; $1,000 minimum balance to open
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
60 Month Business Share Certificates Plus Jumbo
$0
3.10%
▲ 0.26% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.26% above avg
Details
$200,000
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
60 Month Smart Share Certificate
$0
3.10%
▲ 0.26% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.26% above avg
Details
Balance: $200,000 Plus Jumbo
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
1300 New York Ave NW, Washington, DC 20577 0001
60 Month Share Certificates
$0
3.10%
▲ 0.26% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.26% above avg
Details
Balance: $1,000 - $99,999.99
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
60 Month Business Share Certificates
$0
3.05%
▲ 0.21% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.21% above avg
Details
$100,000 - $199,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
60 Month Smart Share Certificate
$0
3.05%
▲ 0.21% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.21% above avg
Details
Balance: $100,000 -$199,999
EP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.03%
301 13th Street SW RM 215A, Washington, DC 20228 0001
60 Month Certificate
$1,000
3.04%
▲ 0.20% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.20% above avg
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
5215 Loughboro Rd NW, Washington, DC 20016
60 Month Certificate
$500
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.16% above avg
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
60 Month Business Bump Rate Certificates Plus Jumbo
$0
2.99%
▲ 0.15% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.15% above avg
Details
$200,000; Balance: $200,000 Plus Jumbo
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
60 Month Business Share Certificates less than
$0
2.99%
▲ 0.15% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.15% above avg
Details
$99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
60 Month Share and Bump Rate Certificate Plus Jumbo
$0
2.99%
▲ 0.15% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.15% above avg
Details
$200,000
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
60 Month Share and Bump Rate Certificates Plus Jumbo
$0
2.99%
▲ 0.15% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.15% above avg
Details
$200,000; Balance: $200,000 Plus Jumbo
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
60 Month Smart Share Certificate
$0
2.99%
▲ 0.15% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.15% above avg
Details
Balance: less than $99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
60 months less than
$0
2.99%
▲ 0.15% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.15% above avg
Details
$99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
60 Month Business Bump Rate Certificates
$0
2.94%
▲ 0.10% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.10% above avg
Details
$100,000 - $199,999; Balance: $100,000 - $199,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
60 Month Share and Bump Rate Certificate
$0
2.94%
▲ 0.10% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.10% above avg
Details
$100,000 - $199,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
60 Month Share and Bump Rate Certificates
$0
2.94%
▲ 0.10% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.10% above avg
Details
$100,000 - $199,999; Balance: $100,000 - $199,999
EP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.03%
301 13th Street SW RM 215A, Washington, DC 20228 0001
60 Month Terms
$1,000
2.93%
▲ 0.09% above national avg
▼
Rate2.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.09% above avg
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
60 Month Business Bump Rate Certificates - Less than
$0
2.89%
▲ 0.05% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.05% above avg
Details
$99,999; Balance: Less than $99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
60 Month Share and Bump Rate Certificate - less than
$0
2.89%
▲ 0.05% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.05% above avg
Details
$99,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
441 G St NW Rm 1100, Washington, DC 20548 0001
60 Month Share and Bump Rate Certificates - less than
$0
2.89%
▲ 0.05% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.05% above avg
Details
$99,999; Balance: less than $99,999
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
1300 New York Ave NW, Washington, DC 20577 0001
5 Year Step-Up Share Certificates
$0
2.85%
▲ 0.01% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.01% above avg
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
810 VERMONT AVE NW, WASHINGTON, DC 20420
60 Month Bonus Certificate
$0
2.79%
▼ 0.05% below national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.05% below avg
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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
2.952%
▲ 0.030 vs 7 days ago
District Of Columbia 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD DC Avg
2.767%
▲ 0.021 vs 7 days ago
District Of Columbia 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 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 September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
DC 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
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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 | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 21, 2026. | |||||
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 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/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.
440
CD Rates
Tracked in District Of Columbia
Tracked in District Of Columbia
18 Banks
20 Credit Unions
About Our District Of Columbia CD Rate Database
MonitorBankRates tracks 440 CD rates from 18 banks and 20 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 (1–5), 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 20 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: 38 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
$242/yr
At DC 12-mo avg 2.952% 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 2.952%, saving 10% of the local median salary ($8,207/year) and putting it in a CD would earn an additional $242 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 (90–180 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 at 5.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Capital One Bank is offering its 60 Month 360 CDs at 4.30% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for 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 (6 Month Youth Saver)
- PAHO WHO Federal Credit Union: 4.59% APY (36 Month IRA Certificate)
- EagleBank: 4.45% APY (12 Month CD)
- Dept of Labor Federal Credit Union: 4.37% APY (1 year Paycheck Certificate Promo)
- Capital One Bank: 4.30% APY (12 Month 360 CDs)
- NASA Federal Credit Union: 4.28% APY (60 Month Share Certificate)
- U S POSTAL SERVICE: 4.25% APY (1 Year Starter Add-On Certificate)
- City National Bank: 4.11% APY (Special 12-Month Fixed Rate)
- Signal Financial Federal Credit Union: 4.05% APY (12 Month Certificate)
Rates reflect recent verified offers available in District Of Columbia. Last Updated: September 21, 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 30–180 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 2.065% (3-month) to 2.765% (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 90–180 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 2.952% 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: September 21, 2026
District Of Columbia Rates & Resources
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