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Indiana 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
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Indiana CD rates include Midwest Family Federal Credit UnionMidwest Family Federal Credit Union2832 WILLOWCREEK RD, PORTAGE, IN 46368A5.0 ★Texas Ratio: 6.62%Real return: +1.79%APY minus CPI (February 2026) offering 6 Month LOYALTY CERTIFICATE PROMO at 4.59% APY, Fort Financial Federal Credit UnionFort Financial Federal Credit Union8815 Lima Rd, Fort Wayne, IN 46818 1856A+5.0 ★Texas Ratio: 1.64%Real return: +1.70%APY minus CPI (February 2026) offering Traditional 12-Month IRA Certificate at 4.50% APY, Elements Financial Federal Credit UnionElements Financial Federal Credit Union639 S Delaware St, Indianapolis, IN 46225A+5.0 ★Texas Ratio: 1.88%Real return: +1.70%APY minus CPI (February 2026) offering 18 Month Term IRA at 4.50% APY, Indiana University Credit UnionIndiana University Credit Union105 E Winslow Rd, Bloomington, IN 47401A+5.0 ★Texas Ratio: 4.24%Real return: +1.70%APY minus CPI (February 2026) offering 6 Month Business Term Certificates at 4.50% APY, and CHIPHONECHIPHONE710 N WILDWOOD AVE, ELKHART, IN 46514 1876A+5.0 ★Texas Ratio: 0.65%Real return: +1.55%APY minus CPI (February 2026) offering 60 Month Certificate at 4.35% 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 Indiana side-by-side. Indiana CD rates currently reach as high as 4.59% APY from Midwest Family Federal Credit Union at 2832 WILLOWCREEK RD, PORTAGE, IN 46368. 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 Indiana
Indiana 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
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
1115 Sagamore Pkwy S, Lafayette, IN 47905
3 Month Share Certificate
$0
4.06%
▲ 2.00% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.00% above avg
Details
Term: 3 Months ($250K +) ***SPECIAL***
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
410 Monon Blvd, Carmel, IN 46032
3 Month CD
$1,000
3.82%
▲ 1.76% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.76% above avg
Details
Penalty may be imposed for early withdrawal
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
301 E 9th St, Rochester, IN 46975
3 Month Certificate
$500
3.76%
▲ 1.70% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.70% above avg
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
8585 Broadway # 742, Merrillville, IN 46410
3 Month Share Certificates
$0
3.72%
▲ 1.66% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.06%▲ 1.66% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
1111 S Adams St, Bluffton, IN 46714 9772
3 Month Certificates
$0
3.65%
▲ 1.59% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.59% above avg
Details
American Community Bank of Indiana
Institution Rating:
B-4.3 ★Texas Ratio: 22.89%
7880 Wicker Ave, Saint John, IN 46373
SPECIAL: 3 Month Certificate of Deposit ^ New Money Only
$0
3.55%
▲ 1.49% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.49% above avg
Details
New Money Only
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
1115 Sagamore Pkwy S, Lafayette, IN 47905
3 Month Certificate
$0
3.55%
▲ 1.49% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.49% above avg
Details
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
1115 Sagamore Pkwy S, Lafayette, IN 47905
3 Month Youth Share Certificates
$0
3.55%
▲ 1.49% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.49% above avg
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
3 Month Certificate
$0
3.55%
▲ 1.49% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.49% above avg
Details
Balance: $50,000 & Over
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
1115 Sagamore Pkwy S, Lafayette, IN 47905
3 Month Share Certificate
$0
3.44%
▲ 1.38% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.38% above avg
Details
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
117 E Joliet St, Crown Point, IN 46307
3-Month CD
$1,000
3.40%
▲ 1.34% above national avg
▼
Rate3.34%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.34% above avg
Details
Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
222 S Cavin St, Ligonier, IN 46767
3 Month Companion CD
$0
3.40%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.34% above avg
Details
Our Companion CD rewards you when you have your checking account with us. Learn more about the Companion CD here.
First Community State Bank Avilla, IN
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
802 E Albion St, Avilla, IN 46710
3 Month Certificate
$0
3.35%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.29% above avg
Details
Penalty: 1% Prin., No Penalty After 30 Days
Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
5908 E Main Street, Friendship, IN 47021
3 Month CD
$500
3.30%
▲ 1.24% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.24% above avg
Details
Paid: Monthly
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
3 Month Certificate
$0
3.29%
▲ 1.23% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.23% above avg
Details
Balance: $1,000 - $49,999
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3064 Ohio St, Michigan City, IN 46360 6866
3 Mo. Certificate
$0
3.04%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.98% above avg
Details
Afena Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
1312 W 44th St, Marion, IN 46953 5293
3 Month Share Certificates
$100,000
2.55%
▲ 0.49% above national avg
▼
Rate2.52%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.49% above avg
Details
Balance: $100,000+
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
2610 N Wheeling Ave, Muncie, IN 47303
Share Certificates - 3 Months
$0
2.50%
▲ 0.44% above national avg
▼
Rate2.48%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.06%▲ 0.44% above avg
Details
Afena Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
1312 W 44th St, Marion, IN 46953 5293
3 Month Share Certificates
$250
2.40%
▲ 0.34% above national avg
▼
Rate2.37%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.34% above avg
Details
Balance: $250 - $9,999.99
STAR Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
125 S Anderson St, Elwood, IN 46036
3 Month Certificates of Deposit
$0
2.35%
▲ 0.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.29% above avg
Details
LNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
215 N Main St, Lynnville, IN 47619
3 Month Certificate of Deposit
$2,500
2.01%
▼ 0.05% below national avg
▼
Rate2.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.05% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
100 Sycamore Estates Dr, Aurora, IN 47001
3 Month CD
$500
2.00%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.06% below avg
Details
Three Rivers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
1605 Northland Blvd, Fort Wayne, IN 46825
3 Month Certificate
$500
2.00%
▼ 0.06% below national avg
▼
Rate1.98%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 0.06% below avg
Details
Three Rivers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
1605 Northland Blvd, Fort Wayne, IN 46825
3 Month IRA Certificate
$500
2.00%
▼ 0.06% below national avg
▼
Rate1.98%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 0.06% below avg
Details
ProFed Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1710 Saint Joe River Dr, Fort Wayne, IN 46805 1436
3 Month Certificate
$500
2.00%
▼ 0.06% below national avg
▼
Rate1.98%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.06% below avg
Details
Indiana Heartland Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.84%
402 S Berkley Rd, kokomo, IN 46901
3 Month Certificate
$500
1.75%
▼ 0.31% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.31% below avg
Details
Financial Builders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
2828 S Lafountain St, Kokomo, IN 46902 3706
3 Month Share Certificates
$0
1.63%
▼ 0.43% below national avg
▼
Rate1.62%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.43% below avg
Details
Financial Builders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
2828 S Lafountain St, Kokomo, IN 46902 3706
Share Certificates - 3 months
$0
1.63%
▼ 0.43% below national avg
▼
Rate1.62%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.43% below avg
Details
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1520 Union St, Lafayette, IN 47904 2156
3 Month Certificate
$10,000
1.56%
▼ 0.50% below national avg
▼
Rate1.55%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.50% below avg
Details
SOLIDARITY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
201 E Southway Blvd, Kokomo, IN 46902 3677
3 Month Certificate
$0
1.55%
▼ 0.51% below national avg
▼
Rate1.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.51% below avg
Details
Fowler State Bank Fowler, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
300 E 5th St, Fowler, IN 47944
3 Month Certificate of Deposit
$1,000
1.51%
▼ 0.55% below national avg
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 0.55% below avg
Details
Compounding Frequency: Maturity
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.45%
5411 Dr Martin Luther King Jr Blvd, Anderson, IN 46013
3 Month Certificate
$0
1.30%
▼ 0.76% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.76% below avg
Details
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1520 Union St, Lafayette, IN 47904 2156
3 Month Certificate
$10,000
1.26%
▼ 0.80% below national avg
▼
Rate1.25%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.80% below avg
Details
Evansville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
6209 Vogel Rd, Evansville, IN 47715
3 Month Certificate
$1,000
1.26%
▼ 0.80% below national avg
▼
Rate1.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.80% below avg
Details
Evansville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
6209 Vogel Rd, Evansville, IN 47715
3 Month IRA Certificate
$1,000
1.26%
▼ 0.80% below national avg
▼
Rate1.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.80% below avg
Details
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
630 Lincoln Ave, Bedford, IN 47421 2116
3 Month Certificates
$10,000
1.21%
▼ 0.85% below national avg
▼
Rate1.20%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.85% below avg
Details
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
1001 Chestnut Hills Pkwy Ste 1, Fort Wayne, IN 46814
3 Month Term Share Certificate
$1,000
1.15%
▼ 0.91% below national avg
▼
Rate1.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.91% below avg
Details
Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
7144 Kennedy Ave, Hammond, IN 46323 2225
3 Month VIP Certificate
$0
1.01%
▼ 1.05% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.05% below avg
Details
Bank of Wolcott
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
105 N Range St, Wolcott, IN 47995
3 Month CD
$5,000
1.00%
▼ 1.06% below national avg
▼
Rate1.00%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 1.06% below avg
Details
GESB Sheet Metal Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
6450 Ameriplex Dr, Portage, IN 46368 1389
90 Day Certificate Accounts
$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
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
630 Lincoln Ave, Bedford, IN 47421 2116
3 Month Certificates
$500
1.00%
▼ 1.06% below national avg
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.06% below avg
Details
Natco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
582 S ROUND BARN RD, RICHMOND, IN 47374 4435
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
Tech Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
10110 Randolph St, Crown Point, IN 46307 9469
3 Month Certificate IRA
$0
1.00%
▼ 1.06% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.06% below avg
Details
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
1430 N National Rd, Columbus, IN 47201 5577
3 Month Business Share Certificates
$100,000
0.90%
▼ 1.16% below national avg
▼
Rate0.90%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.16% below avg
Details
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
1430 N National Rd, Columbus, IN 47201 5577
3 Month Share Certificate
$100,000
0.90%
▼ 1.16% below national avg
▼
Rate0.90%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.16% below avg
Details
Balance: $100,000
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
1430 N National Rd, Columbus, IN 47201 5577
3 Month Business Share Certificates
$500
0.85%
▼ 1.21% below national avg
▼
Rate0.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.21% below avg
Details
Balance: $500 - $100,000
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
1430 N National Rd, Columbus, IN 47201 5577
3 Month Share Certificate
$500
0.85%
▼ 1.21% below national avg
▼
Rate0.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.21% below avg
Details
Balance: $500 - $100,000
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
8815 Lima Rd, Fort Wayne, IN 46818 1856
90-Day Certificate
$500
0.80%
▼ 1.26% below national avg
▼
Rate0.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.26% below avg
Details
Non-premier member APY: 0.55% | Dividend Rate: 0.55%
Public Service #3 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
7017 Old Trail Rd, Fort Wayne, IN 46809 2713
Share Certificates of Deposit - 3 months
$1,000
0.60%
▼ 1.46% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.46% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
927 S Curry Pike, Bloomington, IN 47403 2624
3-month term Rewards
$0
0.60%
▼ 1.46% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.46% below avg
Details
Rewards APY; Regular APY
Indiana 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
Midwest Family Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
2832 WILLOWCREEK RD, PORTAGE, IN 46368
6 Month LOYALTY CERTIFICATE PROMO
$0
4.59%
▲ 1.82% above national avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.82% above avg
Details
Qualifications Required; Checking and Savings account, Debit card and must currently have Direct Deposit. Money must be new to MWFFCU.
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
105 E Winslow Rd, Bloomington, IN 47401
6 Month Business Term Certificates
$0
4.50%
▲ 1.73% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.73% above avg
Details
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
105 E Winslow Rd, Bloomington, IN 47401
6 Month Term Certificate
$0
4.50%
▲ 1.73% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.73% above avg
Details
Balance: $2,000+
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
3530 Hickory Rd, Mishawaka, IN 46545 8805
6 Month CW Certificates
$0
4.15%
▲ 1.38% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.38% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
3530 Hickory Rd, Mishawaka, IN 46545 8805
Term Share Certificates - 6 Months
$1,000
4.15%
▲ 1.38% above national avg
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.38% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
5727 VOGEL RD, EVANSVILLE, IN 47715 7298
6 Month Term Certificate of Deposit
$1,000
4.13%
▲ 1.36% above national avg
▼
Rate4.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.36% above avg
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1130 S Main St, South Bend, IN 46601 3338
6 Month Certificate
$500
4.10%
▲ 1.33% above national avg
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.33% above avg
Details
Certificates $500 to $20,000
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
4840 N Main St, Mishawaka, IN 46545
6 month Share Certificate Special
$0
4.05%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.28% above avg
Details
When paired with an Ultra Checking account, earn up to 4.05% APY for 6 months
CF Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
4729 E 82nd St, Indianapolis, IN 46250
6 Month Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details
Financial Health Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
777 INDIANA AVE, Indianapolis, IN 46202 3101
6-Month CD
$500
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6311 Airway Dr Ste 100, Indianapolis, IN 46241 6400
6 Month Share Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
$50,000 & up; Dividends Paid Monthly
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
639 S Delaware St, Indianapolis, IN 46225
6 Month Term IRA
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
639 S Delaware St, Indianapolis, IN 46225
6 Month Term Share Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
101 E Washington Blvd, Fort Wayne, IN 46802
IRA Certificate of Deposit - 6 Month
$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
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
6 Month Certificate
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
6 MONTH IRA
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
6 Month Certificates of Deposit
$1,000
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
CD - Certificates of Deposit - 6 Month
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
2259 E 116th St, Carmel, IN 46032 3279
6 Month Certificate
$0
3.85%
▲ 1.08% above national avg
▼
Rate3.77%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.08% above avg
Details
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
410 Monon Blvd, Carmel, IN 46032
6 Month CD
$1,000
3.82%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.05% above avg
Details
Penalty may be imposed for early withdrawal
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
8585 Broadway # 742, Merrillville, IN 46410
6 Month Share Certificates
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 1.05% above avg
Details
Encompass Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
201 N Main St, Tipton, IN 46072
6 Month Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.05% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
6 Month CD - Certificates of Deposit
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
6 Month Certificates of Deposit
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
CD - Certificates of Deposit - 6 Month
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
Certificates of Deposit - 6 Month
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
IRA - Individual Retirement Accounts - 6-Month
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
6 Month Certificate
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
Balance: $50,000 & Over
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
1001 Chestnut Hills Pkwy Ste 1, Fort Wayne, IN 46814 7900
6 Month Share Certificates
$0
3.76%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.99% above avg
Details
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
510 S Buckeye St, Osgood, IN 47037
6 Month CD
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
6 Month Certificates of Deposit
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
CD - Certificates of Deposit - 6 Month
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
Certificates of Deposit - 6 Month
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Indiana Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
322 S Detroit St, Warsaw, IN 46580 4401
6 Month Certificate
$500
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
1115 Sagamore Pkwy S, Lafayette, IN 47905
6 Month Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
1115 Sagamore Pkwy S, Lafayette, IN 47905
6 Month Youth Share Certificates
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Fire Police City County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
3306 N CLINTON ST, FORT WAYNE, IN 46805
6 Month Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
1111 S Adams St, Bluffton, IN 46714 9772
6 Month Certificates
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
119 N Main St, Monticello, IN 47960
6-Month CD
$2,500
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
New Money required. Offer subject to change or cancellation at any time without notice. Limited-time offer.
Eastern Indiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
801 S Memorial Dr, New Castle, IN 47362
6 Month Certificate
$500
3.68%
▲ 0.91% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.91% above avg
Details
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3064 Ohio St, Michigan City, IN 46360 6866
6 Mo. Certificate
$0
3.66%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.89% above avg
Details
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
301 E 9th St, Rochester, IN 46975
6 Month Certificate
$500
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.88% above avg
Details
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
1115 Sagamore Pkwy S, Lafayette, IN 47905
6 Month Share Certificate
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
6 Month Business Step Up Certificates
$1,000
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
6 Month Certificate
$200
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
6 Month IRA Certificate
$200
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
Business Step Up Certificates - 6 Month
$1,000
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
Montana Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 E Washington Blvd, Fort Wayne, IN 46802
6 Month Share Certificates
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
LNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
215 N Main St, Lynnville, IN 47619
6 Month Certificate of Deposit
$10,000
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.79% above avg
Details
Condition: 6 Months ($10M or >).
Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1405 N Main St, Huntingburg, IN 47542
92 - 180 Day Certificate of Deposit
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.78% above avg
Details
Indiana 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
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
8815 Lima Rd, Fort Wayne, IN 46818 1856
Traditional 12-Month IRA Certificate
$500
4.50%
▲ 1.55% above national avg
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.55% above avg
Details
Non-premier member rate: 4.25% | 4.17%; Traditional & Roth Certificates Rates
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
3530 Hickory Rd, Mishawaka, IN 46545 8805
12 Month CW Certificates
$0
4.10%
▲ 1.15% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.15% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
3530 Hickory Rd, Mishawaka, IN 46545 8805
Term Share Certificates - 12 Months
$1,000
4.10%
▲ 1.15% above national avg
▼
Rate4.03%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.15% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
12 Month Certificate
$500
4.10%
▲ 1.15% above national avg
▼
Rate4.02%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.15% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
12 MONTH IRA
$500
4.10%
▲ 1.15% above national avg
▼
Rate4.02%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.15% above avg
Details
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
410 Monon Blvd, Carmel, IN 46032
12 Month Flex Index CD
$1,000
4.08%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.13% above avg
Details
Interest rate is based on a Prime Rate index minus a margin of 3.00%, with a floor of 0% Interest rate may change at any time based on changes in the index
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
8585 Broadway # 742, Merrillville, IN 46410
12-Month IRA
$0
4.08%
▲ 1.13% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 1.13% above avg
Details
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
5727 VOGEL RD, EVANSVILLE, IN 47715 7298
12 Month IRA Certificate
$2,500
4.07%
▲ 1.12% above national avg
▼
Rate4.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.12% above avg
Details
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
5727 VOGEL RD, EVANSVILLE, IN 47715 7298
12 Month Term Certificate of Deposit
$1,000
4.02%
▲ 1.07% above national avg
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.07% above avg
Details
South Bend Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1122 S MAIN ST, SOUTH BEND, IN 46601 3338
12 Month Certificate
$1,000
4.01%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.06% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
1 Year Business Step Up Certificates
$1,000
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
Business Step Up Certificates - 1 Year
$1,000
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
CF Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
4729 E 82nd St, Indianapolis, IN 46250
12 Month Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
PrimeTrust Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
3700 W Bethel Ave, Muncie, IN 47304
1 Year Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.05% above avg
Details
No rate bump available
PrimeTrust Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
3700 W Bethel Ave, Muncie, IN 47304
IRA Certificate - 1 Year
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.05% above avg
Details
not eligible for Direct Deposit discount
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
6210 W Jefferson Blvd, Fort Wayne, IN 46804 3073
12 Month Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1130 S Main St, South Bend, IN 46601 3338
12 Month Certificate
$500
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
Certificates $500 to $20,000
Fire Police City County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
3306 N CLINTON ST, FORT WAYNE, IN 46805
12 Month Certificate Special
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6311 Airway Dr Ste 100, Indianapolis, IN 46241 6400
12 Month Share Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
$50,000 & up; Dividends Paid Monthly
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
2259 E 116th St, Carmel, IN 46032 3279
12 Month Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
709 E State Road 44, Shelbyville, IN 46176
12 Month IRA Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
709 E State Road 44, Shelbyville, IN 46176
12 Month Standard Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Diamond Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
840 E Diamond Ave, Evansville, IN 47711 3420
1 Year Certificate
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
8585 Broadway # 742, Merrillville, IN 46410
12 Month Share Certificates
$0
3.92%
▲ 0.97% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 0.97% above avg
Details
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
1115 Sagamore Pkwy S, Lafayette, IN 47905
12 Month Certificate
$0
3.91%
▲ 0.96% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.96% above avg
Details
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
1115 Sagamore Pkwy S, Lafayette, IN 47905
12 Month Youth Share Certificates
$0
3.91%
▲ 0.96% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.96% above avg
Details
Napoleon State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.53%
8912 N Us Highway 421, Napoleon, IN 47034
1 Year Certificates of Deposit
$500
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.95% above avg
Details
Fortress Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
615 N Western Ave, Marion, IN 46952
12 Month Certificate
$1,000
3.87%
▲ 0.92% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.92% above avg
Details
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1520 Union St, Lafayette, IN 47904 2156
Savers Certificate - 12 Months
$50
3.87%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.92% above avg
Details
Rate Type: Variable; Index: T-Bill + 0.00%
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
1001 Chestnut Hills Pkwy Ste 1, Fort Wayne, IN 46814 7900
12 Month Share Certificates
$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
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
2917 E 10th St, Jeffersonville, IN 47130 6916
12 Month Certificate
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
1115 Sagamore Pkwy S, Lafayette, IN 47905
12 Month Share Certificate
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
12 Month Certificate
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details
Balance: $50,000 & Over
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
119 N Main St, Monticello, IN 47960
12-Month CD
$500
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details
New Money required. Offer subject to change or cancellation at any time without notice. Limited-time offer.
PROFINANCE
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
334 W 84th Dr, Merrillville, IN 46410
CD Special 12 Month
$5,000
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details
NEW MONEY ONLY
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
12 Month Certificate
$200
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
12 Month IRA Certificate
$200
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
12 Month IRA Step Up Certificates
$200
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
12 Month Step Up Certificates
$200
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
IRA Step Up Certificates - 12 Month
$200
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
117 E Joliet St, Crown Point, IN 46307
12-Month 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
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
510 S Buckeye St, Osgood, IN 47037
12 Month CD
$500
3.75%
▲ 0.80% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Community State Bank Brook, IN
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
244 W Main St, Brook, IN 47922
Special 12 Month CD
$0
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.80% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
8815 Lima Rd, Fort Wayne, IN 46818 1856
12-Month Certificate
$500
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Non-premier member APY: 3.50% | Dividend Rate: 3.44%
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
1111 S Adams St, Bluffton, IN 46714 9772
12 Month Certificates
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
5001 Davis Lant Dr, Evansville, IN 47715
1 Year CD
$500
3.73%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.78% above avg
Details
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3064 Ohio St, Michigan City, IN 46360 6866
12 Mo. Certificate
$0
3.71%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.76% above avg
Details
First State Bank of Porter
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
230 Lincoln St, Porter, IN 46304
Traditional CD - 1 Year - Tier 2
$0
3.70%
▲ 0.75% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.75% above avg
Details
Balance: $100,000.00 and above
STAR Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
125 S Anderson St, Elwood, IN 46036
12 Month Certificates of Deposit
$0
3.70%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.75% above avg
Details
Fire Police City County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
3306 N CLINTON ST, FORT WAYNE, IN 46805
12 Month Certificate
$0
3.70%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.75% above avg
Details
Indiana 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
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
639 S Delaware St, Indianapolis, IN 46225
18 Month Term IRA
$0
4.50%
▲ 1.68% above national avg
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.68% above avg
Details
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
639 S Delaware St, Indianapolis, IN 46225
18 Month Term Share Certificate
$0
4.50%
▲ 1.68% above national avg
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.68% above avg
Details
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
3811 Haley Dr, Newburgh, IN 47630
18-Month CD
$0
4.15%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.33% above avg
Details
Annual Percentage Yield accurate as of 9/8/2026. Terms and conditions apply. See above rate-term links for details.
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
2259 E 116th St, Carmel, IN 46032 3279
18 Month Certificate
$0
4.15%
▲ 1.33% above national avg
▼
Rate4.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.33% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
18 Month Certificate
$500
4.15%
▲ 1.33% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.33% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
18 MONTH IRA
$500
4.15%
▲ 1.33% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.33% above avg
Details
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
3530 Hickory Rd, Mishawaka, IN 46545 8805
18 Month CW Certificates
$0
4.05%
▲ 1.23% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.23% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
3530 Hickory Rd, Mishawaka, IN 46545 8805
Term Share Certificates - 18 Months
$1,000
4.05%
▲ 1.23% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.23% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
Eastern Indiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
801 S Memorial Dr, New Castle, IN 47362
Roth 18 Month IRA Certificate
$500
3.89%
▲ 1.07% above national avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.07% above avg
Details
Eastern Indiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
801 S Memorial Dr, New Castle, IN 47362
Traditional 18 Month IRA Certificate
$500
3.89%
▲ 1.07% above national avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.07% above avg
Details
Citizens Bank Mooresville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
33 N Indiana St, Mooresville, IN 46158
IRA -- 18 Months
$50
3.87%
▲ 1.05% above national avg
▼
Rate3.80%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.05% above avg
Details
Effective Date: 9/1/2026
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
1111 S Adams St, Bluffton, IN 46714 9772
18 Month Certificates
$0
3.80%
▲ 0.98% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.98% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
18 Month Certificate
$200
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
18 Month IRA Certificate
$200
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
18 Month IRA Step Up Certificates
$200
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
18 Month Step Up Certificates
$200
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
IRA Step Up Certificates - 18 Month
$200
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3064 Ohio St, Michigan City, IN 46360 6866
18 Mo. Certificate
$0
3.71%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.89% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
927 S Curry Pike, Bloomington, IN 47403 2624
18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.83% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
927 S Curry Pike, Bloomington, IN 47403 2624
IRA CD Specials - 18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.83% above avg
Details
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
1115 Sagamore Pkwy S, Lafayette, IN 47905
18 Month Share Certificate
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.73% above avg
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
18 Month Certificate
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.73% above avg
Details
Balance: $50,000 & Over
First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
5001 Davis Lant Dr, Evansville, IN 47715
18 Month CD
$500
3.51%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.69% above avg
Details
Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
102 N Jefferson St, Ossian, IN 46777
18-Month CD Special
$1,000
3.50%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
8815 Lima Rd, Fort Wayne, IN 46818 1856
Traditional 18-Month IRA Certificate
$500
3.50%
▲ 0.68% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details
Non-premier member rate: 3.25% | 3.20%; Traditional & Roth Certificates Rates
Indiana Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
322 S Detroit St, Warsaw, IN 46580 4401
18 Month Certificate
$500
3.50%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.68% above avg
Details
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1142 N Marr Rd, Columbus, IN 47201
18 Month Share Certificates
$0
3.49%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.67% above avg
Details
Penalty: 6 Month
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
301 E 9th St, Rochester, IN 46975
18 Month Flexible
$500
3.44%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.62% above avg
Details
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
2610 N Wheeling Ave, Muncie, IN 47303
Share Certificates - 18 Months
$0
3.40%
▲ 0.58% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 0.58% above avg
Details
Hoosier United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
1828 N Meridian St Ste 102, Indianapolis, IN 46202 1452
18 Month Certificate
$0
3.33%
▲ 0.51% above national avg
▼
Rate3.28%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.51% above avg
Details
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1110 N Main St, Goshen, IN 46528
18 Month Traditional certificate terms
$100,000
3.30%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.48% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
1110 N Main St, Goshen, IN 46528 2638
18 Month Traditional certificate terms
$100,000
3.30%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.48% above avg
Details
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
630 Lincoln Ave, Bedford, IN 47421 2116
18 Month Certificates
$10,000
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.48% above avg
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
18 Month Certificate
$0
3.29%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.47% above avg
Details
Balance: $1,000 - $49,999
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
18 Month Business Step Up Certificates
$1,000
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.43% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
Business Step Up Certificates - 18 Month
$1,000
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.43% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
18 Month CD - Certificates of Deposit
$0
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.43% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
18 Month Certificates of Deposit
$1,000
3.25%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.43% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
CD - Certificates of Deposit - 18 Month
$0
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.43% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
Certificates of Deposit - 18 Month
$1,000
3.25%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.43% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1110 N Main St, Goshen, IN 46528
18 Month Traditional certificate terms
$500
3.25%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.43% above avg
Details
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
120 W King St, Garrett, IN 46738
18 Month Certificate Special
$1,000
3.25%
▲ 0.43% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.43% above avg
Details
(a,b)
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
8815 Lima Rd, Fort Wayne, IN 46818 1856
18-Month Certificate
$500
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.43% above avg
Details
Non-premier member APY: 3.00% | Dividend Rate: 2.96%
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1450 VETERANS PKWY STE 100, JEFFERSONVILLE, IN 47130
18 Month Certificate
$1,000
3.25%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.43% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
1110 N Main St, Goshen, IN 46528 2638
18 Month Traditional certificate terms
$500
3.25%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.43% above avg
Details
Evansville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
6209 Vogel Rd, Evansville, IN 47715
18 Month Certificate
$1,000
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.43% above avg
Details
Evansville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
6209 Vogel Rd, Evansville, IN 47715
18 Month IRA Certificate
$1,000
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.43% above avg
Details
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
510 S Buckeye St, Osgood, IN 47037
18 Month Certificate Special
$500
3.10%
▲ 0.28% above national avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.28% above avg
Details
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
5727 VOGEL RD, EVANSVILLE, IN 47715 7298
18 Month IRA Certificate
$2,500
3.09%
▲ 0.27% above national avg
▼
Rate3.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.27% above avg
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1130 S Main St, South Bend, IN 46601 3338
18 Month Certificate
$0
3.09%
▲ 0.27% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.27% above avg
Details
Certificates over $20,000
Indiana 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
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
8585 Broadway # 742, Merrillville, IN 46410
24-Month IRA
$0
4.34%
▲ 1.50% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.50% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
24 Month Certificate
$500
4.20%
▲ 1.36% above national avg
▼
Rate4.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.36% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
24 MONTH IRA
$500
4.20%
▲ 1.36% above national avg
▼
Rate4.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.36% above avg
Details
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
1430 N National Rd, Columbus, IN 47201 5577
24 Month Share Certificate
$100,000
4.15%
▲ 1.31% above national avg
▼
Rate4.07%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.31% above avg
Details
Balance: $100,000
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1520 Union St, Lafayette, IN 47904 2156
Savers Certificate - 24 Months
$50
4.13%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.29% above avg
Details
Rate Type: Variable; Index: T-Bill + 0.25%
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
8585 Broadway # 742, Merrillville, IN 46410
24 Month Share Certificates
$0
4.08%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.24% above avg
Details
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
3530 Hickory Rd, Mishawaka, IN 46545 8805
24 Month CW Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.16% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
3530 Hickory Rd, Mishawaka, IN 46545 8805
Term Share Certificates - 24 Months
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.16% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
510 S Buckeye St, Osgood, IN 47037
24 Month CD Special
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
**
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
1430 N National Rd, Columbus, IN 47201 5577
24 Month Share Certificate
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: $500 - $100,000
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
2 Year Business Step Up Certificates
$1,000
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
Business Step Up Certificates - 2 Year
$1,000
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
120 W King St, Garrett, IN 46738
24 Month Advantage
$2,500
3.85%
▲ 1.01% above national avg
▼
Rate3.85%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.01% above avg
Details
(a,b,c)
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
120 W King St, Garrett, IN 46738
24 Month IRA CD
$500
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.01% above avg
Details
(a)
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
1111 S Adams St, Bluffton, IN 46714 9772
24 Month Certificates
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
2 Year Certificate
$200
3.80%
▲ 0.96% above national avg
▼
Rate3.74%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.96% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
2 Year IRA Certificate
$200
3.80%
▲ 0.96% above national avg
▼
Rate3.74%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.96% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
2 Year IRA Step Up Certificates
$200
3.80%
▲ 0.96% above national avg
▼
Rate3.74%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.96% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
2 Year Step Up Certificates
$200
3.80%
▲ 0.96% above national avg
▼
Rate3.74%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.96% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
IRA Step Up Certificates - 2 Year
$200
3.80%
▲ 0.96% above national avg
▼
Rate3.74%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.96% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
2 Year IRA Certificates - Roth Executive
$100,000
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
2 Year IRA Certificates - Traditional Executive
$100,000
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
2 Year Roth Executive
$0
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
24 Month CD - Certificates of Deposit
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
24 Month Certificates of Deposit
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
CD - Certificates of Deposit - 24 Month
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
Certificates of Deposit - 24 Month
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
IRA - Individual Retirement Accounts - 24-Month
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Dubois-Pike Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
650 2nd St, JASPER, IN 47546
24 Month Share Certificates
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
APY effective 7-18-2025 and subject to change at any time. Penalty for early withdrawal. Non-renewable.
Fire Police City County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
3306 N CLINTON ST, FORT WAYNE, IN 46805
2 Year Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3064 Ohio St, Michigan City, IN 46360 6866
24 Mo. Certificate
$0
3.71%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.87% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
2 Year IRA Certificates - Roth Premier
$10,000
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.86% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
2 Year IRA Certificates - Traditional Premier
$10,000
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.86% above avg
Details
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
2259 E 116th St, Carmel, IN 46032 3279
24 Month Certificate
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.81% above avg
Details
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
120 W King St, Garrett, IN 46738
24 Month Regular
$500
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.76% above avg
Details
(a)
Allegius Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
244 Allegius Dr, Burns Harbor, IN 46304
24 Month Share Certificates
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.76% above avg
Details
Balance: $1,000 Minimum
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
2 Year IRA Certificates - Roth
$500
3.60%
▲ 0.76% above national avg
▼
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.76% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
2 Year IRA Certificates - Traditional
$500
3.60%
▲ 0.76% above national avg
▼
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.76% above avg
Details
South Bend Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1122 S MAIN ST, SOUTH BEND, IN 46601 3338
24 Month Certificate
$1,000
3.56%
▲ 0.72% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.72% above avg
Details
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
630 Lincoln Ave, Bedford, IN 47421 2116
24 Month Certificates
$10,000
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.72% above avg
Details
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
301 E 9th St, Rochester, IN 46975
2 Year / 2 Option
$500
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.71% above avg
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
1001 Chestnut Hills Pkwy Ste 1, Fort Wayne, IN 46814 7900
24 Month Share Certificates
$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
Hoosier United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
1828 N Meridian St Ste 102, Indianapolis, IN 46202 1452
24 Month Certificate
$0
3.53%
▲ 0.69% above national avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.69% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
8815 Lima Rd, Fort Wayne, IN 46818 1856
Traditional 24-Month IRA Certificate
$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
Non-premier member rate: 3.25% | 3.20%; Traditional & Roth Certificates Rates
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6311 Airway Dr Ste 100, Indianapolis, IN 46241 6400
24 Month Share Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
$50,000 & up; Dividends Paid Monthly
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
1115 Sagamore Pkwy S, Lafayette, IN 47905
24 Month Share Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1142 N Marr Rd, Columbus, IN 47201
24 Month Share Certificates
$0
3.49%
▲ 0.65% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.65% above avg
Details
Penalty: 6 Month
Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1405 N Main St, Huntingburg, IN 47542
2 Year Certificate of Deposit
$0
3.44%
▲ 0.60% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.60% above avg
Details
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
2610 N Wheeling Ave, Muncie, IN 47303
Share Certificates - 24 Months
$0
3.40%
▲ 0.56% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 0.56% above avg
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
5001 Davis Lant Dr, Evansville, IN 47715
2 Year CD
$500
3.38%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.54% above avg
Details
Indiana 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
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
36 Month Certificate
$500
4.25%
▲ 1.49% above national avg
▼
Rate4.16%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.49% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
36 MONTH IRA
$500
4.25%
▲ 1.49% above national avg
▼
Rate4.16%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.49% above avg
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
8585 Broadway # 742, Merrillville, IN 46410
36 Month Share Certificates
$0
4.13%
▲ 1.37% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.76%▲ 1.37% above avg
Details
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
510 S Buckeye St, Osgood, IN 47037
36 Month CD Special
$500
4.00%
▲ 1.24% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
**
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
120 W King St, Garrett, IN 46738
36 Month Advantage
$2,500
4.00%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
(a,b,c)
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
120 W King St, Garrett, IN 46738
36 Month IRA CD
$500
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
(a)
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
1111 S Adams St, Bluffton, IN 46714 9772
36 Month Certificates
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.14% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
3 Year Certificate
$200
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.09% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
3 Year IRA Certificate
$200
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.09% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
3 Year IRA Step Up Certificates
$200
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.09% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
3 Year Step Up Certificates
$200
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.09% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
IRA Step Up Certificates - 3 Year
$200
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.09% above avg
Details
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
3530 Hickory Rd, Mishawaka, IN 46545 8805
36 Month CW Certificates
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.09% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
3530 Hickory Rd, Mishawaka, IN 46545 8805
Term Share Certificates - 36 Months
$1,000
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.09% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
Dubois-Pike Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
650 2nd St, JASPER, IN 47546
36 Month Share Certificates
$1,000
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.04% above avg
Details
APY effective 7-18-2025 and subject to change at any time. Penalty for early withdrawal. Non-renewable.
Fire Police City County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
3306 N CLINTON ST, FORT WAYNE, IN 46805
3 Year Certificate
$0
3.80%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.04% above avg
Details
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3064 Ohio St, Michigan City, IN 46360 6866
36 Mo. Certificate
$0
3.76%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.00% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
36 Month CD - Certificates of Deposit
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
36 Month Certificates of Deposit
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
CD - Certificates of Deposit - 36 Month
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
Certificates of Deposit - 36 Month
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
IRA - Individual Retirement Accounts - 36-Month
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
120 W King St, Garrett, IN 46738
36 Month Regular
$500
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.99% above avg
Details
(a)
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
1115 Sagamore Pkwy S, Lafayette, IN 47905
36 Month Share Certificate
$0
3.60%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.84% above avg
Details
South Bend Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1122 S MAIN ST, SOUTH BEND, IN 46601 3338
36 Month Certificate
$1,000
3.56%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.80% above avg
Details
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
630 Lincoln Ave, Bedford, IN 47421 2116
36 Month Certificates
$10,000
3.56%
▲ 0.80% above national avg
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.80% above avg
Details
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
301 E 9th St, Rochester, IN 46975
36 Month Certificate
$500
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.79% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
3 Year IRA Certificates - Roth Executive
$100,000
3.55%
▲ 0.79% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
3 Year IRA Certificates - Traditional Executive
$100,000
3.55%
▲ 0.79% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1142 N Marr Rd, Columbus, IN 47201
36 Month Share Certificates
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.79% above avg
Details
Penalty: 6 Month
Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
102 N Jefferson St, Ossian, IN 46777
36-Month CD Special
$1,000
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
CF Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
4729 E 82nd St, Indianapolis, IN 46250
36 Month Certificate
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.74% above avg
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
1001 Chestnut Hills Pkwy Ste 1, Fort Wayne, IN 46814
36 Month IRA CD
$20,000
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$20,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.74% above avg
Details
Management has discretion to match local rate offerings! Call for weekly rates and information Early withdrawal penalties apply *APY=Annual Percentage Yield. Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
1001 Chestnut Hills Pkwy Ste 1, Fort Wayne, IN 46814
36 Month Share Certificate
$10,000
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.74% above avg
Details
Management has discretion to match local rate offerings! Call for weekly rates and information Early withdrawal penalties apply *APY=Annual Percentage Yield. Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
2259 E 116th St, Carmel, IN 46032 3279
36 Month Certificate
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
726 Massachusetts Ave, Indianapolis, IN 46204
3 Year Share Certificate
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Minimum Balance: $500
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
726 Massachusetts Ave, Indianapolis, IN 46204
36 Month Traditional IRA Share Certificate
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1110 N Main St, Goshen, IN 46528
36 Month Traditional certificate terms
$100,000
3.45%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.69% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
1110 N Main St, Goshen, IN 46528 2638
36 Month Traditional certificate terms
$100,000
3.45%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.69% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
3 Year IRA Certificates - Roth Premier
$10,000
3.45%
▲ 0.69% above national avg
▼
Rate3.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.69% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
3 Year IRA Certificates - Traditional Premier
$10,000
3.45%
▲ 0.69% above national avg
▼
Rate3.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.69% above avg
Details
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1110 N Main St, Goshen, IN 46528
36 Month Traditional certificate terms
$500
3.40%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.64% above avg
Details
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
2610 N Wheeling Ave, Muncie, IN 47303
Share Certificates - 36 Months
$0
3.40%
▲ 0.64% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.76%▲ 0.64% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
1110 N Main St, Goshen, IN 46528 2638
36 Month Traditional certificate terms
$500
3.40%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.64% above avg
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
5001 Davis Lant Dr, Evansville, IN 47715
3 Year CD
$500
3.35%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.59% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
3 Year IRA Certificates - Roth
$500
3.35%
▲ 0.59% above national avg
▼
Rate3.29%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.59% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
3 Year IRA Certificates - Traditional
$500
3.35%
▲ 0.59% above national avg
▼
Rate3.29%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.59% above avg
Details
Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1405 N Main St, Huntingburg, IN 47542
3 Year Certificate of Deposit
$0
3.34%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.58% above avg
Details
Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
5908 E Main Street, Friendship, IN 47021
36 Month CD
$500
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.54% above avg
Details
Paid: Monthly
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
5727 VOGEL RD, EVANSVILLE, IN 47715 7298
36 Month IRA Certificate
$2,500
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.54% above avg
Details
Indiana 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
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
48 Month Certificate
$500
4.30%
▲ 1.53% above national avg
▼
Rate4.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.53% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
48 MONTH IRA
$500
4.30%
▲ 1.53% above national avg
▼
Rate4.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.53% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
1111 S Adams St, Bluffton, IN 46714 9772
48 Month Certificates
$0
3.95%
▲ 1.18% above national avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.18% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
4 Year Certificate
$200
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
4 Year IRA Certificate
$200
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
4 Year IRA Step Up Certificates
$200
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
4 Year Step Up Certificates
$200
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
IRA Step Up Certificates - 4 Year
$200
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details
Fire Police City County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
3306 N CLINTON ST, FORT WAYNE, IN 46805
4 Year Certificate
$0
3.85%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
48 Month CD - Certificates of Deposit
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
48 Month Certificates of Deposit
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
CD - Certificates of Deposit - 48 Month
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
Certificates of Deposit - 48 Month
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
IRA - Individual Retirement Accounts - 48-Month
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
1001 Chestnut Hills Pkwy Ste 1, Fort Wayne, IN 46814
48 Month IRA CD
$20,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$20,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details
Management has discretion to match local rate offerings! Call for weekly rates and information Early withdrawal penalties apply *APY=Annual Percentage Yield. Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
1001 Chestnut Hills Pkwy Ste 1, Fort Wayne, IN 46814
48 Month Share Certificate
$10,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details
Management has discretion to match local rate offerings! Call for weekly rates and information Early withdrawal penalties apply *APY=Annual Percentage Yield. Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
3530 Hickory Rd, Mishawaka, IN 46545 8805
48 Month CW Certificates
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.93% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
3530 Hickory Rd, Mishawaka, IN 46545 8805
Term Share Certificates - 48 Months
$1,000
3.70%
▲ 0.93% above national avg
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.93% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
1115 Sagamore Pkwy S, Lafayette, IN 47905
48 Month Share Certificate
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3064 Ohio St, Michigan City, IN 46360 6866
48 Mo. Certificate
$0
3.61%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.84% above avg
Details
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1142 N Marr Rd, Columbus, IN 47201
48 Month Share Certificates
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
Penalty: 6 Month
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
630 Lincoln Ave, Bedford, IN 47421 2116
48 Month Certificates
$10,000
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.79% above avg
Details
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
301 E 9th St, Rochester, IN 46975
48 Month Certificate
$500
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.78% above avg
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
48 Month Certificate
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details
Balance: $50,000 & Over
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1110 N Main St, Goshen, IN 46528
48 Month Traditional certificate terms
$100,000
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.73% above avg
Details
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
2610 N Wheeling Ave, Muncie, IN 47303
Share Certificates - 48 Months
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 0.73% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
1110 N Main St, Goshen, IN 46528 2638
48 Month Traditional certificate terms
$100,000
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.73% above avg
Details
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
2259 E 116th St, Carmel, IN 46032 3279
48 Month Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
726 Massachusetts Ave, Indianapolis, IN 46204
4 Year Share Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Minimum Balance: $500
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
726 Massachusetts Ave, Indianapolis, IN 46204
48 Month Traditional IRA Share Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1110 N Main St, Goshen, IN 46528
48 Month Traditional certificate terms
$500
3.45%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.68% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
1110 N Main St, Goshen, IN 46528 2638
48 Month Traditional certificate terms
$500
3.45%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.68% above avg
Details
Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
5908 E Main Street, Friendship, IN 47021
48 Month CD
$500
3.41%
▲ 0.64% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.64% above avg
Details
Paid: Monthly
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
5727 VOGEL RD, EVANSVILLE, IN 47715 7298
48 Month IRA Certificate
$2,500
3.40%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.63% above avg
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
2917 E 10th St, Jeffersonville, IN 47130 6916
48 Month Certificate
$0
3.39%
▲ 0.62% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.62% above avg
Details
Dubois-Pike Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
650 2nd St, JASPER, IN 47546
48 Month Share Certificates
$1,000
3.39%
▲ 0.62% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.62% above avg
Details
APY effective 7-18-2025 and subject to change at any time. Penalty for early withdrawal. Non-renewable.
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
5727 VOGEL RD, EVANSVILLE, IN 47715 7298
48 Month Term Certificate of Deposit
$1,000
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.58% above avg
Details
Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1405 N Main St, Huntingburg, IN 47542
4 Year Certificate of Deposit
$0
3.34%
▲ 0.57% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.57% above avg
Details
First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
5001 Davis Lant Dr, Evansville, IN 47715
4 Year CD
$500
3.31%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.54% above avg
Details
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1520 Union St, Lafayette, IN 47904 2156
48 Month IRA Certificate
$500
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.53% above avg
Details
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
630 Lincoln Ave, Bedford, IN 47421 2116
48 Month Certificates
$500
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.53% above avg
Details
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
3988 West Delphi Road, Sweetser, IN 46987
48 Month Certificate of Deposit
$1,000
3.29%
▲ 0.52% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.52% above avg
Details
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
3988 West Delphi Road, Sweetser, IN 46987
48 Month Fixed Rate IRA Certificate
$1,000
3.29%
▲ 0.52% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.52% above avg
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
48 Month Certificate
$0
3.29%
▲ 0.52% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.52% above avg
Details
Balance: $1,000 - $49,999
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1450 VETERANS PKWY STE 100, JEFFERSONVILLE, IN 47130
4 Year Certificate
$1,000
3.25%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.48% above avg
Details
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1520 Union St, Lafayette, IN 47904 2156
48 Month Certificate
$500
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.48% above avg
Details
Indiana Heartland Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.84%
402 S Berkley Rd, kokomo, IN 46901
48 Month Certificate
$500
3.10%
▲ 0.33% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.33% above avg
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1130 S Main St, South Bend, IN 46601 3338
48 Month Certificate
$0
3.09%
▲ 0.32% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.32% above avg
Details
Certificates over $20,000
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1001 Chestnut Hills Pkwy, Fort Wayne, IN 46814 7900
48 Month Certificate
$15,000
3.05%
▲ 0.28% above national avg
▼
Rate3.01%
Min Deposit$15,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.28% above avg
Details
Compounded and Paid: Monthly
SOLIDARITY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
201 E Southway Blvd, Kokomo, IN 46902 3677
48 Month 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
Indiana 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
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
60 Month Certificate
$500
4.35%
▲ 1.51% above national avg
▼
Rate4.26%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.51% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
60 MONTH IRA
$500
4.35%
▲ 1.51% above national avg
▼
Rate4.26%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.51% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
5 Year Certificate
$200
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
5 Year IRA Certificate
$200
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
5 Year IRA Step Up Certificates
$200
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
5 Year Step Up Certificates
$200
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
IRA Step Up Certificates - 5 Year
$200
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
1001 Chestnut Hills Pkwy Ste 1, Fort Wayne, IN 46814
60 Month IRA CD
$20,000
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$20,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.16% above avg
Details
Management has discretion to match local rate offerings! Call for weekly rates and information Early withdrawal penalties apply *APY=Annual Percentage Yield. Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
1001 Chestnut Hills Pkwy Ste 1, Fort Wayne, IN 46814
60 Month Share Certificate
$10,000
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.16% above avg
Details
Management has discretion to match local rate offerings! Call for weekly rates and information Early withdrawal penalties apply *APY=Annual Percentage Yield. Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
1111 S Adams St, Bluffton, IN 46714 9772
60 Month Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
726 Massachusetts Ave, Indianapolis, IN 46204
5 Year Share Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Minimum Balance: $500
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
726 Massachusetts Ave, Indianapolis, IN 46204
60 Month Traditional IRA Share Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Fire Police City County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
3306 N CLINTON ST, FORT WAYNE, IN 46805
5 Year Certificate
$0
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.01% above avg
Details
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3064 Ohio St, Michigan City, IN 46360 6866
60 Mo. Certificate
$0
3.81%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.97% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
60 Month CD - Certificates of Deposit
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
60 Month Certificates of Deposit
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
CD - Certificates of Deposit - 60 Month
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
Certificates of Deposit - 60 Month
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3141 Highway 62, Jeffersonville, IN 47130
IRA - Individual Retirement Accounts - 60-Month
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
1115 Sagamore Pkwy S, Lafayette, IN 47905
60 Month Share Certificate
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.86% above avg
Details
Bank of Wolcott
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
105 N Range St, Wolcott, IN 47995
60 Month IRA
$1,000
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.76% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
5 Year IRA Certificates - Roth Executive
$100,000
3.60%
▲ 0.76% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.76% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
5 Year IRA Certificates - Traditional Executive
$100,000
3.60%
▲ 0.76% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.76% above avg
Details
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1142 N Marr Rd, Columbus, IN 47201
60 Month Share Certificates
$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
Penalty: 6 Month
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
630 Lincoln Ave, Bedford, IN 47421 2116
60 Month Certificates
$10,000
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.72% above avg
Details
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
3530 Hickory Rd, Mishawaka, IN 46545 8805
60 Month CW Certificates
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.71% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
3530 Hickory Rd, Mishawaka, IN 46545 8805
Term Share Certificates - 60 Months
$1,000
3.55%
▲ 0.71% above national avg
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.71% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
3988 West Delphi Road, Sweetser, IN 46987
60 Month Certificate of Deposit
$1,000
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.71% above avg
Details
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
3988 West Delphi Road, Sweetser, IN 46987
60 Month Fixed Rate IRA Certificate
$1,000
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.71% above avg
Details
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1110 N Main St, Goshen, IN 46528
60 Month Traditional certificate terms
$100,000
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.71% above avg
Details
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
301 E 9th St, Rochester, IN 46975
60 Month Certificate
$500
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.71% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
1110 N Main St, Goshen, IN 46528 2638
60 Month Traditional certificate terms
$100,000
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.71% above avg
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
60 Month 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
Balance: $50,000 & Over
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
5727 VOGEL RD, EVANSVILLE, IN 47715 7298
60 Month IRA Certificate
$2,500
3.51%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.67% above avg
Details
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1110 N Main St, Goshen, IN 46528
60 Month Traditional certificate terms
$500
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.66% above avg
Details
CF Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
4729 E 82nd St, Indianapolis, IN 46250
60 Month Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.66% above avg
Details
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
2610 N Wheeling Ave, Muncie, IN 47303
Share Certificates - 60 Months
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 0.66% above avg
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1450 VETERANS PKWY STE 100, JEFFERSONVILLE, IN 47130
5 Year Certificate
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.66% above avg
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1450 VETERANS PKWY STE 100, JEFFERSONVILLE, IN 47130
5 Year IRA (Traditional/Roth)
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.66% above avg
Details
IRA share certificates have a minimum balance of $1,000.00 and are available in terms 6 months thru 5 years.
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
1110 N Main St, Goshen, IN 46528 2638
60 Month Traditional certificate terms
$500
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.66% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
5 Year IRA Certificates - Roth Premier
$10,000
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
5 Year IRA Certificates - Traditional Premier
$10,000
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
2259 E 116th St, Carmel, IN 46032 3279
60 Month Liquid IRA
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
2917 E 10th St, Jeffersonville, IN 47130 6916
60 Month Certificate
$0
3.49%
▲ 0.65% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.65% above avg
Details
Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
5908 E Main Street, Friendship, IN 47021
60 Month CD
$500
3.46%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.62% above avg
Details
Paid: Monthly
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
5727 VOGEL RD, EVANSVILLE, IN 47715 7298
60 Month Term Certificate of Deposit
$1,000
3.45%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.61% above avg
Details
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1520 Union St, Lafayette, IN 47904 2156
60 Month IRA Certificate
$500
3.41%
▲ 0.57% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.57% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
5 Year IRA Certificates - Roth
$500
3.40%
▲ 0.56% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.56% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2740 N Michigan Ave, Greensburg, IN 47240 9341
5 Year IRA Certificates - Traditional
$500
3.40%
▲ 0.56% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.56% above avg
Details
Dubois-Pike Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
650 2nd St, JASPER, IN 47546
60 Month Share Certificates
$1,000
3.39%
▲ 0.55% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.55% above avg
Details
APY effective 7-18-2025 and subject to change at any time. Penalty for early withdrawal. Non-renewable.
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Indiana CD Rate Trends
Compare local Indiana 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 IN Avg
2.952%
▲ 0.030 vs 7 days ago
Indiana 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD IN Avg
2.767%
▲ 0.021 vs 7 days ago
Indiana 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
Powered by MonitorBankRates
IN CD Rate Forecast, Next 12 Months
Where are Indiana CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IN 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%
Powered by
MonitorBankRates
What Your Savings Earn at IN CD Rates Today
Annual interest earnings at today’s Indiana average APYs. State average used where available; national average as fallback.
| CD Term | IN 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 Indiana Savers
$25,000 split equally across 5 terms using today’s Indiana average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | IN 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 Indiana average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,148
CD Rates
Tracked in Indiana
Tracked in Indiana
42 Banks
75 Credit Unions
About Our Indiana CD Rate Database
MonitorBankRates tracks 1,148 CD rates from 42 banks and 75 credit unions with locations in Indiana, plus national online institutions available to Indiana 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: Midwest Family Federal Credit Union offers a CD at 4.59% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Indiana.
How to Find the Best CD Rates in Indiana
What to compare when shopping for a CD in Indiana
To find the best APYs in Indiana, start with credit unions and online-only banks: Indiana has 75 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 Indiana
- 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 Indiana: 117 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Indiana 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 Indiana money market rates
Indiana Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
16.8%
National avg: 17.3%
Median Individual Earnings
$43,243
National avg: $47,340
Poverty Rate
12.3%
National avg: 11.1%
Unemployment Rate
4.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$128/yr
At IN 12-mo avg 2.952% APY
16.8% of residents are 65 or older, below the national average of 17.3%. At today’s IN 12-month CD average of 2.952%, saving 10% of the local median salary ($4,324/year) and putting it in a CD would earn an additional $128 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 Indiana
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 Indiana
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 Indiana 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 Indiana as everywhere in the U.S.
Choosing a CD Term in Indiana
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Indiana savers easier access to their funds. For example, Midwest Family Federal Credit Union is offering its 6 Month LOYALTY CERTIFICATE PROMO at 4.59% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, CHIPHONE is offering its 60 Month Certificate at 4.35% 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 Indiana 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 Indiana 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 Indiana
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 Indiana 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 Indiana
Most CDs carry a fixed rate that is locked for the entire term, protecting a Indiana 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 Indiana
Are CD rates in Indiana FDIC insured?
Yes, most established banks in Indiana 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 Indiana?
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 Indiana.
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 Indiana 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 Indiana?
Here are recent top rates found for this area:
- Midwest Family Federal Credit Union: 4.59% APY (6 Month LOYALTY CERTIFICATE PROMO)
- Fort Financial Federal Credit Union: 4.50% APY (Traditional 12-Month IRA Certificate)
- Elements Financial Federal Credit Union: 4.50% APY (18 Month Term IRA)
- Indiana University Credit Union: 4.50% APY (6 Month Business Term Certificates)
- CHIPHONE: 4.35% APY (60 Month Certificate)
- Chicago Patrolmens Federal Credit Union: 4.34% APY (24-Month IRA)
- Communitywide Federal Credit Union: 4.15% APY (6 Month CW Certificates)
- Banterra Bank: 4.15% APY (18-Month CD)
- Forum Credit Union: 4.15% APY (18 Month Certificate)
- Centra Credit Union: 4.15% APY (24 Month Share Certificate)
Rates reflect recent verified offers available in Indiana. Last Updated: September 21, 2026
Indiana 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 Indiana 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 Indiana
Indiana CD Calculator
At today’s IN top rate of 4.59% APY, a $10,000 deposit earns $459 in the first year. Enter your amount to see your exact return.
Indiana CD LadderIN 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 Indiana CD at 4.59% 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 SavingsIndiana’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 Indiana 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 Indiana 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 Indiana. 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 IN.
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
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