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South Bend, 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 South Bend, Indiana CD rates include Communitywide Federal Credit UnionCommunitywide Federal Credit Union405 E Ireland Rd, South Bend, IN 46614 2657A5.0 ★Texas Ratio: 10.25%Real return: +1.35%APY minus CPI (February 2026) offering 6 Month CW Certificates at 4.15% APY, Policemens Federal Credit UnionPolicemens Federal Credit Union1130 S Main St, South Bend, IN 46601 3338A+5.0 ★Texas Ratio: 0.58%Real return: +1.30%APY minus CPI (February 2026) offering 6 Month Certificate at 4.10% APY, United Federal Credit UnionUnited Federal Credit Union223 W Ireland Rd, South Bend, IN 46614A+5.0 ★Texas Ratio: 3.23%Real return: +1.25%APY minus CPI (February 2026) offering 6 month Share Certificate Special at 4.05% APY, South Bend Firefighters Federal Credit UnionSouth Bend Firefighters Federal Credit Union1122 S MAIN ST, SOUTH BEND, IN 46601 3338A+5.0 ★Texas Ratio: 4.32%Real return: +1.21%APY minus CPI (February 2026) offering 12 Month Certificate at 4.01% APY, and Partners 1st Federal Credit UnionPartners 1st Federal Credit Union53790 Generations Dr, South Bend, IN 46635A+5.0 ★Texas Ratio: 4.04%Real return: +1.20%APY minus CPI (February 2026) offering 12 Month Certificate at 4.00% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
South Bend has 110 local institutions in our database, with CD rates as high as 4.15% APY from Communitywide Federal Credit Union at 405 E Ireland Rd, South Bend, IN 46614 2657. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Indiana area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 22, 2026
Compare Best CD Rates in South Bend, Indiana & the Surrounding Area
South Bend 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
108 N Main St, South Bend, IN 46601
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%
21113 Cleveland Rd, South Bend, IN 46628
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.
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
700 W Ireland Rd, South Bend, IN 46614
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
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
53790 Generations Dr, South Bend, IN 46635
3 Month Certificate
$0
0.10%
▼ 1.96% below national avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 1.96% below avg
Details
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
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%
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%
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%
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%
3 Month Certificates
$0
3.65%
▲ 1.59% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.59% above avg
Details
American Community Bank of Indiana
Institution Rating:
B-4.3 ★Texas Ratio: 22.89%
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%
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%
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%
3 Month Certificate
$0
3.55%
▲ 1.49% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 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%
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
First Community State Bank Avilla, IN
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
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%
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%
3 Month Certificate
$0
3.29%
▲ 1.23% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 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%
3 Mo. Certificate
$0
3.04%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.98% above avg
Details
Afena Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
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%
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%
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%
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%
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
Three Rivers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
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%
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%
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
Perfect Circle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
3 Month CD
$1,000
1.76%
▼ 0.30% below national avg
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 0.30% below avg
Details
Indiana Heartland Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.84%
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%
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%
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%
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%
3 Month Certificate
$0
1.55%
▼ 0.51% below national avg
▼
Rate1.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 0.51% below avg
Details
Fowler State Bank Fowler, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
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%
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%
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%
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%
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%
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%
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 22, 2026
National Average2.06%▼ 0.91% below avg
Details
Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
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%
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%
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%
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%
3 month certificate
$0
1.00%
▼ 1.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.06% below avg
Details
Tech Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
3 Month Certificate IRA - Regular
$0
1.00%
▼ 1.06% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.06% below avg
Details
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
3 Month Share Certificates
$100,000
0.90%
▼ 1.16% below national avg
▼
Rate0.90%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.16% below avg
Details
Balance: $100,000 and over
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Business 3 Month Share Certificate
$100,000
0.90%
▼ 1.16% below national avg
▼
Rate0.90%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.16% below avg
Details
Balance: $100,000 and over
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
3 Month Share Certificates
$500
0.85%
▼ 1.21% below national avg
▼
Rate0.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 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%
Business 3 Month Share Certificate
$500
0.85%
▼ 1.21% below national avg
▼
Rate0.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 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%
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%
South Bend 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
405 E Ireland Rd, South Bend, IN 46614 2657
6 Month CW Certificates
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.39% 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%
405 E Ireland Rd, South Bend, IN 46614 2657
Term Share Certificates - 6 Months
$1,000
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.39% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
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%
▲ 1.34% above national avg
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.34% above avg
Details
Certificates $500 to $20,000
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
223 W Ireland Rd, South Bend, IN 46614
6 month Share Certificate Special
$0
4.05%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.29% above avg
Details
When paired with an Ultra Checking account, earn up to 4.05% APY for 6 months
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
4400 Miami St, South Bend, IN 46614
6-MONTH CD
$500
3.70%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.94% above avg
Details
New Money Required; Offer subject to change or cancellation at any time without notice.
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
108 N Main St, South Bend, IN 46601
6-Month CD
$1,000
3.40%
▲ 0.64% above national avg
▼
Rate3.34%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.64% above avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
700 W Ireland Rd, South Bend, IN 46614
6 Month CD
$500
2.25%
▼ 0.51% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.51% below avg
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
6 Month Business Share Certificates (CD)
$0
2.00%
▼ 0.76% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.76% below avg
Details
Early Withdrawal Penalty: 90 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
6 Month Business Share Certificates Plus (CD)
$0
2.00%
▼ 0.76% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.76% below avg
Details
Early Withdrawal Penalty: 90 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
6 Month IRA Certificate (Traditional, Roth or Educational)
$0
2.00%
▼ 0.76% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.76% below avg
Details
Early Withdrawal Penalty: 90 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
6 Month Share Certificate (CD)
$0
2.00%
▼ 0.76% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.76% below avg
Details
Early Withdrawal Penalty: 90 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
6 Month Share Certificate Plus (CD)
$0
2.00%
▼ 0.76% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.76% below avg
Details
Early Withdrawal Penalty: 90 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
IRA Certificate Plus (Traditional, Roth or Educational) - 6 Months
$0
2.00%
▼ 0.76% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.76% below avg
Details
Early Withdrawal Penalty: 90 Days' Dividends
Everwise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
110 S Main St, South Bend, IN 46601 1805
6-Month IRA Certificate
$500
1.22%
▼ 1.54% below national avg
▼
Rate1.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 1.54% below avg
Details
Rates effective as of 9/1/2026.
Everwise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
110 S Main St, South Bend, IN 46601 1805
6-Month Share Certificate
$500
1.19%
▼ 1.57% below national avg
▼
Rate1.18%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 1.57% below avg
Details
Rates effective as of 9/1/2026. Limited time only and subject to termination without notice.
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
53790 Generations Dr, South Bend, IN 46635
6 Month Certificate
$0
0.15%
▼ 2.61% below national avg
▼
Rate0.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 2.61% below avg
Details
Midwest Family Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
6 Month LOYALTY CERTIFICATE PROMO
$0
4.59%
▲ 1.83% above national avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.83% 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%
6 Month Business Term Certificates
$0
4.50%
▲ 1.74% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.74% above avg
Details
APY* (%)
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6 Month Term Certificate
$0
4.50%
▲ 1.74% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.74% above avg
Details
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
6 Month Term Certificate of Deposit
$1,000
4.13%
▲ 1.37% above national avg
▼
Rate4.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.37% above avg
Details
CF Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
6 Month Certificate
$0
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
Financial Health Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
6-Month CD
$500
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month Share Certificate
$0
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
$50,000 & up; Dividends Paid Monthly
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
6 Month Term IRA
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
6 Month Term Share Certificate
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
IRA Certificate of Deposit - 6 Month
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6 Month Certificate
$500
4.00%
▲ 1.24% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6 MONTH IRA
$500
4.00%
▲ 1.24% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificates of Deposit
$1,000
3.90%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.14% 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%
CD - Certificates of Deposit - 6 Month
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.14% above avg
Details
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
6 Month Certificate
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.77%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
6 Month CD
$1,000
3.82%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.06% above avg
Details
Penalty may be imposed for early withdrawal
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
6 Month Share Certificates
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.76%▲ 1.06% above avg
Details
Encompass Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
6 Month Certificate
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.06% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month CD - Certificates of Deposit
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.04% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificates of Deposit
$1,000
3.80%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.04% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 6 Month
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.04% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 6 Month
$1,000
3.80%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.04% 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%
IRA - Individual Retirement Accounts - 6-Month
$1,000
3.80%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.04% 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%
6 Month Certificate
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details
Balance: $50,000 & Over
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
6 Month Share Certificates
$0
3.76%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.00% above avg
Details
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6 Month CD
$500
3.75%
▲ 0.99% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 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%
CD - Certificates of Deposit - 6 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%
Certificates of Deposit - 6 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.
Indiana Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6 Month Certificate
$500
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
6 Month Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
6 Month Youth Share Certificates
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
Fire Police City County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
6 Month Certificate
$0
3.70%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.94% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
6 Month Certificates
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.94% above avg
Details
South Bend 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
405 E Ireland Rd, South Bend, IN 46614 2657
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%
405 E Ireland Rd, South Bend, IN 46614 2657
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*
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
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
53790 Generations Dr, South Bend, IN 46635
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
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
4400 Miami St, South Bend, IN 46614
12-MONTH CD
$500
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
New Money Required; Offer subject to change or cancellation at any time without notice.
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
108 N Main St, South Bend, IN 46601
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
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
12 Month Business Share Certificates (CD)
$0
3.25%
▲ 0.30% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.30% above avg
Details
Early Withdrawal Penalty: 90 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
12 Month Business Share Certificates Plus (CD)
$0
3.25%
▲ 0.30% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.30% above avg
Details
Early Withdrawal Penalty: 90 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
12 Month IRA Certificate (Traditional, Roth or Educational)
$0
3.25%
▲ 0.30% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.30% above avg
Details
Early Withdrawal Penalty: 90 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
12 Month Share Certificate (CD)
$0
3.25%
▲ 0.30% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.30% above avg
Details
Early Withdrawal Penalty: 90 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
12 Month Share Certificate Plus (CD)
$0
3.25%
▲ 0.30% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.30% above avg
Details
Early Withdrawal Penalty: 90 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
IRA Certificate Plus (Traditional, Roth or Educational) - 12 Months
$0
3.25%
▲ 0.30% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.30% above avg
Details
Early Withdrawal Penalty: 90 Days' Dividends
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
700 W Ireland Rd, South Bend, IN 46614
1 Year CD
$500
2.00%
▼ 0.95% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.95% below avg
Details
Everwise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
110 S Main St, South Bend, IN 46601 1805
12-Month HSA Certificate
$500
1.41%
▼ 1.54% below national avg
▼
Rate1.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▼ 1.54% below avg
Details
Rates effective as of 9/1/2026.
Everwise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
110 S Main St, South Bend, IN 46601 1805
12-Month IRA Certificate
$500
1.39%
▼ 1.56% below national avg
▼
Rate1.38%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▼ 1.56% below avg
Details
Rates effective as of 9/1/2026.
Everwise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
110 S Main St, South Bend, IN 46601 1805
12 Month Share Certificate
$500
1.36%
▼ 1.59% below national avg
▼
Rate1.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▼ 1.59% below avg
Details
Rates effective as of 9/1/2026.
Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
21113 Cleveland Rd, South Bend, IN 46628
12 Month Freedom CD
$5,000
1.00%
▼ 1.95% below national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.95% below avg
Details
Learn More
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
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
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
12 Month Certificate
$500
4.10%
▲ 1.15% above national avg
▼
Rate4.02%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.15% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
12 MONTH IRA
$500
4.10%
▲ 1.15% above national avg
▼
Rate4.02%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.15% above avg
Details
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
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%
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%
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%
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
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
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%
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%
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%
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%
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
Fire Police City County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
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%
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%
12 Month Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
12 Month IRA Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
IRA certificates: Rates are subject to change at any time. Penalty will be imposed for early withdrawal. Disclosures available upon request. Contact GenFed staff for more information about current rates, terms and fees. Fees or early withdrawals could reduce earnings on certificates. We may offer different rates in the future. Minimum balance to earn is $1,000 for IRA. APY = annual percentage yield.
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
12 Month Standard Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Diamond Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
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%
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%
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%
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%
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%
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%
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%
12 Month Share Certificates
$0
3.87%
▲ 0.92% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.92% above avg
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
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%
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%
12 Month Certificate
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
Balance: $50,000 & Over
PROFINANCE
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
CD Special 12 Month
$5,000
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
NEW MONEY ONLY
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
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%
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%
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
South Bend 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
405 E Ireland Rd, South Bend, IN 46614 2657
18 Month CW Certificates
$0
4.05%
▲ 1.24% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.24% 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%
405 E Ireland Rd, South Bend, IN 46614 2657
Term Share Certificates - 18 Months
$1,000
4.05%
▲ 1.24% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.24% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
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%
▲ 0.28% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.28% above avg
Details
Certificates over $20,000
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
$500
3.03%
▲ 0.22% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.22% above avg
Details
Certificates $500 to $20,000
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
108 N Main St, South Bend, IN 46601
18-Month CD
$1,000
3.00%
▲ 0.19% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.19% above avg
Details
Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
21113 Cleveland Rd, South Bend, IN 46628
18 Month Freedom Plus CD
$10,000
2.50%
▼ 0.31% below national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 0.31% below avg
Details
Learn More
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
53790 Generations Dr, South Bend, IN 46635
18 Month Certificate
$0
2.02%
▼ 0.79% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▼ 0.79% below avg
Details
Everwise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
110 S Main St, South Bend, IN 46601 1805
18-Month IRA Certificate
$500
1.65%
▼ 1.16% below national avg
▼
Rate1.64%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▼ 1.16% below avg
Details
Rates effective as of 9/1/2026.
Everwise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
110 S Main St, South Bend, IN 46601 1805
18-Month Share Certificate
$500
1.62%
▼ 1.19% below national avg
▼
Rate1.61%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▼ 1.19% below avg
Details
Rates effective as of 9/1/2026.
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
18 Month Term IRA
$0
4.50%
▲ 1.69% above national avg
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.69% above avg
Details
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
18 Month Term Share Certificate
$0
4.50%
▲ 1.69% above national avg
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.69% above avg
Details
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
18-Month CD
$0
4.15%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.34% 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%
18 Month Certificate
$0
4.15%
▲ 1.34% above national avg
▼
Rate4.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.34% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
18 Month Certificate
$500
4.15%
▲ 1.34% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.34% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
18 MONTH IRA
$500
4.15%
▲ 1.34% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.34% above avg
Details
Eastern Indiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
Roth 18 Month IRA Certificate
$500
3.89%
▲ 1.08% above national avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.08% above avg
Details
Eastern Indiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
Traditional 18 Month IRA Certificate
$500
3.89%
▲ 1.08% above national avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.08% above avg
Details
Citizens Bank Mooresville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
IRA -- 18 Months
$50
3.87%
▲ 1.06% above national avg
▼
Rate3.80%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 1.06% above avg
Details
Effective Date: 9/1/2026
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
18 Month Certificates
$0
3.80%
▲ 0.99% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.99% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
18 Month Certificate
$200
3.75%
▲ 0.94% above national avg
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.94% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
18 Month IRA Certificate
$200
3.75%
▲ 0.94% above national avg
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.94% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
18 Month IRA Step Up Certificates
$200
3.75%
▲ 0.94% above national avg
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.94% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
18 Month Step Up Certificates
$200
3.75%
▲ 0.94% above national avg
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.94% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
IRA Step Up Certificates - 18 Month
$200
3.75%
▲ 0.94% above national avg
▼
Rate3.69%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.94% above avg
Details
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
18 Mo. Certificate
$0
3.71%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.90% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
18-month term
$0
3.65%
▲ 0.84% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.84% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
IRA CD Specials - 18-month term
$0
3.65%
▲ 0.84% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.84% above avg
Details
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
18 Month Share Certificate
$0
3.55%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.74% above avg
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
18 Month Certificate
$0
3.55%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.74% above avg
Details
Balance: $50,000 & Over
First Federal Savings Bank Evansville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month CD
$500
3.51%
▲ 0.70% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.70% above avg
Details
Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
18-Month CD Special
$1,000
3.50%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.69% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Traditional 18-Month IRA Certificate
$500
3.50%
▲ 0.69% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.69% 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%
18 Month Certificate
$500
3.50%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.69% above avg
Details
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
18 Month Share Certificates
$0
3.49%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.68% above avg
Details
Penalty: 6 Month
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
18 Month Flexible
$500
3.44%
▲ 0.63% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.63% above avg
Details
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Share Certificates - 18 Months
$0
3.40%
▲ 0.59% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.81%▲ 0.59% above avg
Details
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Traditional certificate terms
$100,000
3.30%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.49% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
18 Month Traditional certificate terms
$100,000
3.30%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.49% above avg
Details
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
18 Month Certificates
$10,000
3.30%
▲ 0.49% above national avg
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.49% above avg
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
18 Month Certificate
$0
3.29%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.48% above avg
Details
Balance: $1,000 - $49,999
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
18 Month Business Step Up Certificates
$1,000
3.25%
▲ 0.44% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.44% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
Business Step Up Certificates - 18 Month
$1,000
3.25%
▲ 0.44% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.44% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
18 Month CD - Certificates of Deposit
$0
3.25%
▲ 0.44% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.44% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
18 Month Certificates of Deposit
$1,000
3.25%
▲ 0.44% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.44% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 18 Month
$0
3.25%
▲ 0.44% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.44% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 18 Month
$1,000
3.25%
▲ 0.44% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.44% 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%
18 Month Traditional certificate terms
$500
3.25%
▲ 0.44% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.44% above avg
Details
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
18 Month Certificate Special
$1,000
3.25%
▲ 0.44% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.44% above avg
Details
(a,b)
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18-Month Certificate
$500
3.25%
▲ 0.44% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.44% 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%
18 Month Certificate
$1,000
3.25%
▲ 0.44% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.44% above avg
Details
South Bend 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
405 E Ireland Rd, South Bend, IN 46614 2657
24 Month CW Certificates
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.17% 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%
405 E Ireland Rd, South Bend, IN 46614 2657
Term Share Certificates - 24 Months
$1,000
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.17% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
4400 Miami St, South Bend, IN 46614
24-MONTH CD
$2,500
3.70%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.87% above avg
Details
New Money Required; Offer subject to change or cancellation at any time without notice.
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%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.73% 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
24 Month Certificate
$0
3.09%
▲ 0.26% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.26% above avg
Details
Certificates over $20,000
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1130 S Main St, South Bend, IN 46601 3338
24 Month Certificate
$500
3.03%
▲ 0.20% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.20% above avg
Details
Certificates $500 to $20,000
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
24 Month Business Share Certificates (CD)
$0
3.00%
▲ 0.17% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.17% above avg
Details
Early Withdrawal Penalty: 180 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
24 Month Business Share Certificates Plus (CD)
$0
3.00%
▲ 0.17% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.17% above avg
Details
Early Withdrawal Penalty: 180 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
24 Month IRA Certificate (Traditional, Roth or Educational)
$0
3.00%
▲ 0.17% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.17% above avg
Details
Early Withdrawal Penalty: 180 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
24 Month Share Certificate (CD)
$0
3.00%
▲ 0.17% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.17% above avg
Details
Early Withdrawal Penalty: 180 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
24 Month Share Certificate Plus (CD)
$0
3.00%
▲ 0.17% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.17% above avg
Details
Early Withdrawal Penalty: 180 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
IRA Certificate Plus (Traditional, Roth or Educational) - 24 Months
$0
3.00%
▲ 0.17% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.17% above avg
Details
Early Withdrawal Penalty: 180 Days' Dividends
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
108 N Main St, South Bend, IN 46601
24-Month CD
$1,000
2.90%
▲ 0.07% above national avg
▼
Rate2.86%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.07% above avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
700 W Ireland Rd, South Bend, IN 46614
2 Year CD
$500
2.25%
▼ 0.58% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 0.58% below avg
Details
Everwise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
110 S Main St, South Bend, IN 46601 1805
24-Month IRA Certificate
$500
2.25%
▼ 0.58% below national avg
▼
Rate2.23%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▼ 0.58% below avg
Details
Rates effective as of 9/1/2026.
Everwise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
110 S Main St, South Bend, IN 46601 1805
24-Month Share Certificate
$500
2.22%
▼ 0.61% below national avg
▼
Rate2.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▼ 0.61% below avg
Details
Rates effective as of 9/1/2026.
Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
21113 Cleveland Rd, South Bend, IN 46628
24 Month Rate-Riser CD
$0
2.15%
▼ 0.68% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 0.68% below avg
Details
Our Rate-Riser CD offers 2.15% APY for a 24-month term, and 2.40% APY for a 48-month term. You can withdraw and reinvest your deposit once without penalty, as long as your new CD's term equals the time remaining in your original Rate-Riser CD. Learn more about the Rate-Riser CD here.
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
53790 Generations Dr, South Bend, IN 46635
24 Month Certificate
$0
2.02%
▼ 0.81% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▼ 0.81% below avg
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
24-Month IRA
$0
4.34%
▲ 1.51% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.83%▲ 1.51% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
24 Month Certificate
$500
4.20%
▲ 1.37% above national avg
▼
Rate4.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.37% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
24 MONTH IRA
$500
4.20%
▲ 1.37% above national avg
▼
Rate4.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.37% above avg
Details
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
24 Month Share Certificates
$100,000
4.15%
▲ 1.32% above national avg
▼
Rate4.07%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.32% above avg
Details
Balance: $100,000 and over
Purdue Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Savers Certificate - 24 Months
$50
4.13%
▲ 1.30% above national avg
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.30% 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%
24 Month Share Certificates
$0
4.08%
▲ 1.25% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.83%▲ 1.25% above avg
Details
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
24 Month CD Special
$500
4.00%
▲ 1.17% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.17% above avg
Details
**
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
24 Month Share Certificates
$500
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Balance: $500 - $100,000
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
2 Year Business Step Up Certificates
$1,000
3.90%
▲ 1.07% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.07% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
Business Step Up Certificates - 2 Year
$1,000
3.90%
▲ 1.07% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.07% above avg
Details
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
24 Month Advantage
$2,500
3.85%
▲ 1.02% above national avg
▼
Rate3.85%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.02% above avg
Details
(a,b,c)
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
24 Month IRA CD
$500
3.85%
▲ 1.02% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.02% above avg
Details
(a)
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
24 Month Certificates
$0
3.85%
▲ 1.02% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.02% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
2 Year Certificate
$200
3.80%
▲ 0.97% above national avg
▼
Rate3.74%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.97% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
2 Year IRA Certificate
$200
3.80%
▲ 0.97% above national avg
▼
Rate3.74%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.97% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
2 Year IRA Step Up Certificates
$200
3.80%
▲ 0.97% above national avg
▼
Rate3.74%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.97% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
2 Year Step Up Certificates
$200
3.80%
▲ 0.97% above national avg
▼
Rate3.74%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.97% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
IRA Step Up Certificates - 2 Year
$200
3.80%
▲ 0.97% above national avg
▼
Rate3.74%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.97% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Roth Executive
$100,000
3.80%
▲ 0.97% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.97% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Traditional Executive
$100,000
3.80%
▲ 0.97% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.97% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year Roth Executive
$0
3.80%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.97% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24 Month CD - Certificates of Deposit
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.92% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24 Month Certificates of Deposit
$1,000
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.92% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 24 Month
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.92% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 24 Month
$1,000
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.92% 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%
IRA - Individual Retirement Accounts - 24-Month
$1,000
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.92% 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%
24 Month Share Certificates
$1,000
3.75%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.92% 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%
2 Year Certificate
$0
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.92% above avg
Details
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
24 Mo. Certificate
$0
3.71%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.88% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Roth Premier
$10,000
3.70%
▲ 0.87% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.87% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Traditional Premier
$10,000
3.70%
▲ 0.87% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.87% above avg
Details
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
24 Month Certificate
$0
3.65%
▲ 0.82% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.82% above avg
Details
South Bend 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
405 E Ireland Rd, South Bend, IN 46614 2657
36 Month CW Certificates
$0
3.85%
▲ 1.10% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.10% 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%
405 E Ireland Rd, South Bend, IN 46614 2657
Term Share Certificates - 36 Months
$1,000
3.85%
▲ 1.10% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.10% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
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%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.81% 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
36 Month Certificate
$0
3.09%
▲ 0.34% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.34% above avg
Details
Certificates over $20,000
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1130 S Main St, South Bend, IN 46601 3338
3 Year Certificate
$500
3.03%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.28% above avg
Details
Certificates $500 to $20,000
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
36 Month Business Share Certificates (CD)
$0
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.25% above avg
Details
Early Withdrawal Penalty: 270 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
36 Month Business Share Certificates Plus (CD)
$0
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.25% above avg
Details
Early Withdrawal Penalty: 270 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
36 Month IRA Certificate (Traditional, Roth or Educational)
$0
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.25% above avg
Details
Early Withdrawal Penalty: 270 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
36 Month Share Certificate (CD)
$0
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.25% above avg
Details
Early Withdrawal Penalty: 270 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
36 Month Share Certificate Plus (CD)
$0
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.25% above avg
Details
Early Withdrawal Penalty: 270 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
IRA Certificate Plus (Traditional, Roth or Educational) - 36 Months
$0
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.25% above avg
Details
Early Withdrawal Penalty: 270 Days' Dividends
Everwise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
110 S Main St, South Bend, IN 46601 1805
36-Month HSA Certificate
$500
2.73%
▼ 0.02% below national avg
▼
Rate2.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▼ 0.02% below avg
Details
Rates effective as of 9/1/2026.
Everwise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
110 S Main St, South Bend, IN 46601 1805
36-Month IRA Certificate
$500
2.68%
▼ 0.07% below national avg
▼
Rate2.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▼ 0.07% below avg
Details
Rates effective as of 9/1/2026.
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
108 N Main St, South Bend, IN 46601
36-Month CD
$1,000
2.65%
▼ 0.10% below national avg
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▼ 0.10% below avg
Details
Everwise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
110 S Main St, South Bend, IN 46601 1805
36-Month Share Certificate
$500
2.65%
▼ 0.10% below national avg
▼
Rate2.62%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▼ 0.10% below avg
Details
Rates effective as of 9/1/2026.
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
53790 Generations Dr, South Bend, IN 46635
36 Month Certificate
$0
2.02%
▼ 0.73% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▼ 0.73% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
700 W Ireland Rd, South Bend, IN 46614
3 Year CD
$500
1.40%
▼ 1.35% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▼ 1.35% below avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
36 Month Certificate
$500
4.25%
▲ 1.50% above national avg
▼
Rate4.16%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.50% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
36 MONTH IRA
$500
4.25%
▲ 1.50% above national avg
▼
Rate4.16%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.50% above avg
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
36 Month Share Certificates
$0
4.13%
▲ 1.38% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.75%▲ 1.38% above avg
Details
Civista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
36 Month CD Special
$500
4.00%
▲ 1.25% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.25% above avg
Details
**
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
36 Month Advantage
$2,500
4.00%
▲ 1.25% above national avg
▼
Rate4.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.25% above avg
Details
(a,b,c)
Garrett State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.21%
36 Month IRA CD
$500
4.00%
▲ 1.25% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.25% above avg
Details
(a)
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
36 Month Certificates
$0
3.90%
▲ 1.15% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.15% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
3 Year Certificate
$200
3.85%
▲ 1.10% above national avg
▼
Rate3.78%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.10% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
3 Year IRA Certificate
$200
3.85%
▲ 1.10% above national avg
▼
Rate3.78%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.10% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
3 Year IRA Step Up Certificates
$200
3.85%
▲ 1.10% above national avg
▼
Rate3.78%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.10% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
3 Year Step Up Certificates
$200
3.85%
▲ 1.10% above national avg
▼
Rate3.78%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.10% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
IRA Step Up Certificates - 3 Year
$200
3.85%
▲ 1.10% above national avg
▼
Rate3.78%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.10% above avg
Details
Dubois-Pike Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
36 Month Share Certificates
$1,000
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.05% 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%
3 Year Certificate
$0
3.80%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.05% above avg
Details
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
36 Mo. Certificate
$0
3.76%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.01% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month CD - Certificates of Deposit
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month Certificates of Deposit
$1,000
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 36 Month
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 36 Month
$1,000
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% 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%
IRA - Individual Retirement Accounts - 36-Month
$1,000
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% 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%
36 Month Regular
$500
3.75%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.00% above avg
Details
(a)
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
36 Month Share Certificate
$0
3.60%
▲ 0.85% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.85% above avg
Details
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
36 Month Certificates
$10,000
3.56%
▲ 0.81% above national avg
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.81% above avg
Details
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
36 Month Certificate
$500
3.55%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.80% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year IRA Certificates - Roth Executive
$100,000
3.55%
▲ 0.80% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.80% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year IRA Certificates - Traditional Executive
$100,000
3.55%
▲ 0.80% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.80% above avg
Details
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
36 Month Share Certificates
$0
3.55%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.80% above avg
Details
Penalty: 6 Month
Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
36-Month CD Special
$1,000
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.75% above avg
Details
CF Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
36 Month Certificate
$0
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.75% above avg
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
36 Month IRA CD
$20,000
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$20,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.75% 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%
36 Month Share Certificate
$10,000
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.75% 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%
36 Month Certificate
$0
3.50%
▲ 0.75% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.75% above avg
Details
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3 Year Share Certificate
$0
3.50%
▲ 0.75% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.75% above avg
Details
Minimum Balance: $500
South Bend 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
405 E Ireland Rd, South Bend, IN 46614 2657
48 Month CW Certificates
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.94% 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%
405 E Ireland Rd, South Bend, IN 46614 2657
Term Share Certificates - 48 Months
$1,000
3.70%
▲ 0.94% above national avg
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.94% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
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%
▲ 0.33% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.33% above avg
Details
Certificates over $20,000
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1130 S Main St, South Bend, IN 46601 3338
4 Year Certificate
$500
3.03%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.27% above avg
Details
Certificates $500 to $20,000
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
48 Month Business Share Certificates (CD)
$0
2.75%
▼ 0.01% below national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.01% below avg
Details
Early Withdrawal Penalty: 270 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
48 Month Business Share Certificates Plus (CD)
$0
2.75%
▼ 0.01% below national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.01% below avg
Details
Early Withdrawal Penalty: 270 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
48 Month IRA Certificate (Traditional, Roth or Educational)
$0
2.75%
▼ 0.01% below national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.01% below avg
Details
Early Withdrawal Penalty: 270 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
48 Month Share Certificate (CD)
$0
2.75%
▼ 0.01% below national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.01% below avg
Details
Early Withdrawal Penalty: 270 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
48 Month Share Certificate Plus (CD)
$0
2.75%
▼ 0.01% below national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.01% below avg
Details
Early Withdrawal Penalty: 270 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
IRA Certificate Plus (Traditional, Roth or Educational) - 48 Months
$0
2.75%
▼ 0.01% below national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.01% below avg
Details
Early Withdrawal Penalty: 270 Days' Dividends
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
108 N Main St, South Bend, IN 46601
48-Month CD
$1,000
2.50%
▼ 0.26% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.26% below avg
Details
Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
21113 Cleveland Rd, South Bend, IN 46628
48 Month Rate-Riser CD
$0
2.40%
▼ 0.36% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.36% below avg
Details
Our Rate-Riser CD offers 2.15% APY for a 24-month term, and 2.40% APY for a 48-month term. You can withdraw and reinvest your deposit once without penalty, as long as your new CD's term equals the time remaining in your original Rate-Riser CD. Learn more about the Rate-Riser CD here.
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
53790 Generations Dr, South Bend, IN 46635
48 Month Certificate
$0
2.02%
▼ 0.74% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.74% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
700 W Ireland Rd, South Bend, IN 46614
4 Year CD
$500
1.15%
▼ 1.61% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.61% below avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
48 Month Certificate
$500
4.30%
▲ 1.54% above national avg
▼
Rate4.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.54% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
48 MONTH IRA
$500
4.30%
▲ 1.54% above national avg
▼
Rate4.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.54% above avg
Details
Kemba Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
48 Month Certificates
$0
3.95%
▲ 1.19% above national avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.19% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
4 Year Certificate
$200
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$200
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%
4 Year IRA Certificate
$200
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$200
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%
4 Year IRA Step Up Certificates
$200
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$200
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%
4 Year Step Up Certificates
$200
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$200
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%
IRA Step Up Certificates - 4 Year
$200
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.14% above avg
Details
Fire Police City County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
4 Year Certificate
$0
3.85%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.09% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 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%
48 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%
CD - Certificates of Deposit - 48 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%
Certificates of Deposit - 48 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%
IRA - Individual Retirement Accounts - 48-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.
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
48 Month IRA CD
$20,000
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$20,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.99% 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%
48 Month Share Certificate
$10,000
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.99% 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.
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
48 Month Share Certificate
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
48 Mo. Certificate
$0
3.61%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.85% above avg
Details
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
48 Month Share Certificates
$0
3.60%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.84% above avg
Details
Penalty: 6 Month
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
48 Month Certificates
$10,000
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
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%
48 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
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
48 Month Certificate
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.79% above avg
Details
Balance: $50,000 & Over
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Traditional certificate terms
$100,000
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.74% above avg
Details
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Share Certificates - 48 Months
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.76%▲ 0.74% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
48 Month Traditional certificate terms
$100,000
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.74% above avg
Details
Forum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
48 Month Certificate
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
4 Year Share Certificate
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
Minimum Balance: $500
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
48 Month IRA Traditional Share Certificate
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Traditional certificate terms
$500
3.45%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$500
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%
48 Month Traditional certificate terms
$500
3.45%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.69% above avg
Details
Friendship State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
48 Month CD
$500
3.41%
▲ 0.65% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.65% above avg
Details
Paid: Monthly
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
48 Month IRA Certificate
$2,500
3.40%
▲ 0.64% above national avg
▼
Rate3.35%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.64% above avg
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
48 Month Certificate
$0
3.39%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.63% above avg
Details
Dubois-Pike Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
48 Month Share Certificates
$1,000
3.39%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.63% 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%
48 Month Term Certificate of Deposit
$1,000
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$1,000
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%
4 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
South Bend 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Communitywide Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
405 E Ireland Rd, South Bend, IN 46614 2657
60 Month CW Certificates
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.72% 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%
405 E Ireland Rd, South Bend, IN 46614 2657
Term Share Certificates - 60 Months
$1,000
3.55%
▲ 0.72% above national avg
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.72% above avg
Details
Dividends paid at end of each Month; Withdrawal penalty on amount See Below*
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
53790 Generations Dr, South Bend, IN 46635
60 Month Certificate
$0
3.25%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.42% above avg
Details
Everwise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
110 S Main St, South Bend, IN 46601 1805
60-Month HSA Certificate
$500
2.93%
▲ 0.10% above national avg
▼
Rate2.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.10% above avg
Details
Rates effective as of 9/1/2026.
Everwise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
110 S Main St, South Bend, IN 46601 1805
60-Month IRA Certificate
$500
2.86%
▲ 0.03% above national avg
▼
Rate2.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.03% above avg
Details
Rates effective as of 9/1/2026.
Everwise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
110 S Main St, South Bend, IN 46601 1805
60-Month Share Certificate
$500
2.84%
▲ 0.01% above national avg
▼
Rate2.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.01% above avg
Details
Rates effective as of 9/1/2026.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
60 Month Business Share Certificates (CD)
$0
2.75%
▼ 0.08% below national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.08% below avg
Details
Early Withdrawal Penalty: 270 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
60 Month Business Share Certificates Plus (CD)
$0
2.75%
▼ 0.08% below national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.08% below avg
Details
Early Withdrawal Penalty: 270 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
60 Month IRA Certificate (Traditional, Roth or Educational)
$0
2.75%
▼ 0.08% below national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.08% below avg
Details
Early Withdrawal Penalty: 270 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
60 Month Share Certificate (CD)
$0
2.75%
▼ 0.08% below national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.08% below avg
Details
Early Withdrawal Penalty: 270 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
60 Month Share Certificate Plus (CD)
$0
2.75%
▼ 0.08% below national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.08% below avg
Details
Early Withdrawal Penalty: 270 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
IRA Certificate Plus (Traditional, Roth or Educational) - 60 Months
$0
2.75%
▼ 0.08% below national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.08% below avg
Details
Early Withdrawal Penalty: 270 Days' Dividends
Centier Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
108 N Main St, South Bend, IN 46601
60-Month CD
$1,000
2.50%
▼ 0.33% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 0.33% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
700 W Ireland Rd, South Bend, IN 46614
5 Year CD
$500
1.25%
▼ 1.58% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.58% below avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
60 Month Certificate
$500
4.35%
▲ 1.52% above national avg
▼
Rate4.26%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.52% above avg
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
60 MONTH IRA
$500
4.35%
▲ 1.52% above national avg
▼
Rate4.26%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.52% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
5 Year Certificate
$200
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.17% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
5 Year IRA Certificate
$200
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.17% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
5 Year IRA Step Up Certificates
$200
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.17% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
5 Year Step Up Certificates
$200
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.17% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
IRA Step Up Certificates - 5 Year
$200
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.17% above avg
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
60 Month IRA CD
$20,000
4.00%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$20,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.17% 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%
60 Month Share Certificate
$10,000
4.00%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.17% 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%
60 Month Certificates
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
5 Year Share Certificate
$0
4.00%
▲ 1.17% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Minimum Balance: $500
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
60 Month IRA Traditional Share Certificate
$0
4.00%
▲ 1.17% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Fire Police City County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
5 Year Certificate
$0
3.85%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.02% above avg
Details
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
60 Mo. Certificate
$0
3.81%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.98% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month CD - Certificates of Deposit
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.92% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month Certificates of Deposit
$1,000
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.92% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 60 Month
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.92% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 60 Month
$1,000
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.92% 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%
IRA - Individual Retirement Accounts - 60-Month
$1,000
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.92% 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%
60 Month Share Certificate
$0
3.70%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.87% above avg
Details
Bank of Wolcott
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
60 Month IRA
$1,000
3.60%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.77% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year IRA Certificates - Roth Executive
$100,000
3.60%
▲ 0.77% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.77% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year IRA Certificates - Traditional Executive
$100,000
3.60%
▲ 0.77% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.77% above avg
Details
Bar-Cons Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
60 Month Share Certificates
$0
3.60%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.77% above avg
Details
Penalty: 6 Month
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
60 Month Certificates
$10,000
3.56%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.73% above avg
Details
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
60 Month Certificate of Deposit
$1,000
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.72% above avg
Details
GCSB Swayzee, IN
Institution Rating:
B+4.8 ★Texas Ratio: 16.88%
60 Month Fixed Rate IRA Certificate
$1,000
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.72% above avg
Details
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Traditional certificate terms
$100,000
3.55%
▲ 0.72% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.72% above avg
Details
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
60 Month Certificate
$500
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.72% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
60 Month Traditional certificate terms
$100,000
3.55%
▲ 0.72% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.72% above avg
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
60 Month Certificate
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.72% above avg
Details
Balance: $50,000 & Over
Sterling United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
60 Month IRA Certificate
$2,500
3.51%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.68% above avg
Details
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Traditional certificate terms
$500
3.50%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.67% above avg
Details
CF Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
60 Month Certificate
$0
3.50%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.67% above avg
Details
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Share Certificates - 60 Months
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.83%▲ 0.67% above avg
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
5 Year Certificate
$1,000
3.50%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.67% above avg
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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South Bend, IN CD Rate Trends
Compare local South Bend, IN 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
2.945%
▲ 0.004 vs 7 days ago
Indiana 12-month CD rates rose 0.004 points over the past 7 days to 2.945% APY.
6-Month CD IN Avg
2.760%
Unchanged vs 7 days ago
Indiana 6-month CD rates currently average 2.760% APY based on data from institutions in our monitoring network.
As of Sep 23, 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
2.945%
6-Month Forecast
2.945%
Range: 2.75% – 3.10%
12-Month Forecast
3.195%
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 | 2.055% | $102.77 | $205.54 | $513.85 | $1,027.70 |
| 6-Month CD | 2.760% | $137.99 | $275.97 | $689.93 | $1,379.85 |
| 12-Month CD | 2.945% | $147.27 | $294.54 | $736.35 | $1,472.70 |
| 18-Month CD | 2.813% | $140.67 | $281.33 | $703.32 | $1,406.65 |
| 24-Month CD | 2.833% | $141.64 | $283.27 | $708.18 | $1,416.35 |
| 36-Month CD | 2.754% | $137.68 | $275.36 | $688.40 | $1,376.80 |
| 48-Month CD | 2.759% | $137.97 | $275.93 | $689.82 | $1,379.65 |
| 60-Month CD | 2.834% | $141.70 | $283.39 | $708.48 | $1,416.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026. | |||||
Sample CD Ladder for South Bend, 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 | 2.055% | $102.77 |
| 2 | 6-Month CD | $5,000 | 2.760% | $137.99 |
| 3 | 12-Month CD | $5,000 | 2.945% | $147.27 |
| 4 | 24-Month CD | $5,000 | 2.833% | $141.64 |
| 5 | 36-Month CD | $5,000 | 2.754% | $137.68 |
| Total ($25,000 invested) | $25,000 | 2.669% blended | $667.35/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.
1,131
CD Rates
Tracked in South Bend, Indiana
Tracked in South Bend, Indiana
42 Banks
75 Credit Unions
About Our South Bend, Indiana CD Rate Database
MonitorBankRates tracks 1,131 CD rates from 42 banks and 75 credit unions with locations in South Bend, 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: Communitywide Federal Credit Union offers a CD at 4.15% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in South Bend, Indiana.
How to Find the Best CD Rates in South Bend, Indiana
What to compare when shopping for a CD in South Bend, Indiana
To find the best APYs in South Bend, Indiana, start with credit unions and online-only banks: South Bend, 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 South Bend, 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 South Bend, Indiana: 117 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare South Bend, 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 South Bend, Indiana money market rates
South Bend, Indiana Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
15.0%
National avg: 17.3%
Median Individual Earnings
$34,369
National avg: $47,340
Poverty Rate
20.8%
National avg: 11.1%
Unemployment Rate
6.5%
National avg: 4.8%
CD Earnings on 10% of Salary
$101/yr
At IN 12-mo avg 2.945% APY
15.0% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 6.5% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s IN 12-month CD average of 2.945%, saving 10% of the local median salary ($3,436/year) and putting it in a CD would earn an additional $101 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 South Bend, 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 South Bend, 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 South Bend, 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 South Bend, Indiana as everywhere in the U.S.
Choosing a CD Term in South Bend, 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 South Bend, Indiana savers easier access to their funds. For example, Communitywide Federal Credit Union is offering its 6 Month CW Certificates at 4.15% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Communitywide Federal Credit Union is offering its 60 Month CW Certificates at 3.55% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for South Bend, 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 South Bend, 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 South Bend, 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 South Bend, 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 South Bend, Indiana
Most CDs carry a fixed rate that is locked for the entire term, protecting a South Bend, 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 South Bend, Indiana
Are CD rates in South Bend, Indiana FDIC insured?
Yes, most established banks in South Bend, 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 South Bend, 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 South Bend, 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 South Bend, 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 South Bend, Indiana?
Here are recent top rates found for this area:
- Communitywide Federal Credit Union: 4.15% APY (6 Month CW Certificates)
- Policemens Federal Credit Union: 4.10% APY (6 Month Certificate)
- United Federal Credit Union: 4.05% APY (6 month Share Certificate Special)
- South Bend Firefighters Federal Credit Union: 4.01% APY (12 Month Certificate)
- Partners 1st Federal Credit Union: 4.00% APY (12 Month Certificate)
- Flagstar Bank, National Association: 3.80% APY (12-MONTH CD)
- Centier Bank: 3.75% APY (12-Month CD)
- Lake City Bank: 3.40% APY (3 Month Companion CD)
- Credit Union 1 Credit Union Rantoul, IL: 3.25% APY (12 Month Business Share Certificates (CD))
- Everwise Credit Union: 2.93% APY (60-Month HSA Certificate)
Rates reflect recent verified offers available in South Bend, Indiana. Last Updated: September 22, 2026
South Bend, 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 South Bend, 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 South Bend, Indiana
South Bend, Indiana CD Calculator
At today’s IN top rate of 4.15% APY, a $10,000 deposit earns $415 in the first year. Enter your amount to see your exact return.
South Bend, Indiana CD LadderIN CD rates currently range from 2.055% (3-month) to 2.754% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a South Bend, Indiana CD at 4.15% 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 2.945% 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 South Bend, 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 South Bend, 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 South Bend, 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 22, 2026
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