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CD Rate Trends

Mississippi Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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

Mississippi CD rates range from 0.05% to 5.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Mississippi CD rates include Gulf Coast Community Federal Credit UnionGulf Coast Community Federal Credit Union12364 Highway 49, Gulfport, MS 39503A+5.0 ★Texas Ratio: 4.35%Real return: +2.20%APY minus CPI (February 2026) offering 6 Month Youth Share Certificate at 5.00% APY, Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MS4 Old River Pl, Jackson, MS 39202 3431A5.0 ★Texas Ratio: 7.78%Real return: +2.15%APY minus CPI (February 2026) offering 60 Month Share Certificates (CDs) - Jumbo at 4.95% APY, Commercial Bank De Kalb, MSCommercial Bank De Kalb, MS175 Hopper Ave, De Kalb, MS 39328A-4.3 ★Texas Ratio: 2.73%Real return: +1.70%APY minus CPI (February 2026) offering Business 60 Months at 4.50% APY, The New Orleans Firemens Federal Credit UnionThe New Orleans Firemens Federal Credit Union1620 Goodyear Blvd Ste C, Picayune, MS 39466 4582A5.0 ★Texas Ratio: 7.30%Real return: +1.70%APY minus CPI (February 2026) offering 2-Year Regular Certificate or IRA Certificate at 4.50% APY, and Fort Financial Federal Credit UnionFort Financial Federal Credit Union1808 S Fulton Dr, Corinth, MS 38834 9043A+5.0 ★Texas Ratio: 2.95%Real return: +1.70%APY minus CPI (February 2026) offering Traditional 12-Month IRA Certificate - Premier Member at 4.50% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Mississippi side-by-side. Mississippi CD rates currently reach as high as 5.00% APY from Gulf Coast Community Federal Credit Union at 12364 Highway 49, Gulfport, MS 39503. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026

Compare Best CD Rates in Mississippi

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

Mississippi 3 Month CD Rates

MonitorBankRates Mississippi Average · 3 Month CD1.73% APY▲ 0.08% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Mississippi is 1.73% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CM Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
1968 6th St N, Columbus, MS 39701
3 Month Certificate of Deposit
$1,000
4.00% ▲ 2.27% above Mississippi avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Mississippi Average1.73%▲ 2.27% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
3 Month IRA Jumbo
$100,000
3.71% ▲ 1.98% above Mississippi avg
View
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average1.73%▲ 1.98% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 7 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
3 Month Certificate
$1,000
3.66% ▲ 1.93% above Mississippi avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average1.73%▲ 1.93% above avgNationally 2.09%
Details

Rate History
No change since Sep 22, 2026 · 3.66% APY · checked 5 times
3.16%3.66%4.16%Sep 22, 2026: 3.66% APYSep 22, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
3 Month IRA
$1,000
3.66% ▲ 1.93% above Mississippi avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average1.73%▲ 1.93% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 7 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
1200 Magnolia Way, Blue Springs, MS 38828
3 Month IRA Certificate
$0
3.60% ▲ 1.87% above Mississippi avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Mississippi Average1.73%▲ 1.87% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
1200 Magnolia Way, Blue Springs, MS 38828
3 Month Share Certificates
$0
3.60% ▲ 1.87% above Mississippi avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Mississippi Average1.73%▲ 1.87% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
276 Nissan Pkwy, Canton, MS 39046
Certificates - 3 Months
$500
3.55% ▲ 1.82% above Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average1.73%▲ 1.82% above avgNationally 2.09%
Details

Quarterly dividends; early withdrawals subject to penalty

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
250 Industrial Rd, Pascagoula, MS 39581
3 Month Share Certificate
$500
3.50% ▲ 1.77% above Mississippi avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average1.73%▲ 1.77% above avgNationally 2.09%
Details

Rate History
1 change since Oct 5, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
2.80%3.40%4.00%Oct 5, 2026: 3.30% APYOct 13, 2026: 3.50% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20263.50%▲ from 3.30%
  • Oct 5, 20263.30%first recorded
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
207 E Main St, Senatobia, MS 38668
3 Month Certificate
$0
2.94% ▲ 1.21% above Mississippi avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Mississippi Average1.73%▲ 1.21% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 2.94% APY · checked 5 times
2.44%2.94%3.44%Sep 24, 2026: 2.94% APYSep 24, 2026Oct 13, 2026
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
185 Goodman Rd W, Southaven, MS 38671 9033
3 Month CDs (Certificates)
$100
2.18% ▲ 0.45% above Mississippi avg
View
▼
Rate2.16%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average1.73%▲ 0.45% above avgNationally 2.09%
Details

Additional deposits are permitted to share certificates up to 10 days after open/renewal date. All rates subject to change without notice. Call 901.380.7400 for current rate information.

Rate History
No change since Sep 14, 2026 · 2.18% APY · checked 6 times
1.68%2.18%2.68%Sep 14, 2026: 2.18% APYSep 14, 2026Oct 13, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
9350a Highway 49, Gulfport, MS 39503
3 Month CD
$500
2.00% ▲ 0.27% above Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Mississippi Average1.73%▲ 0.27% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
Mississippi National Guard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
142 Military Dr, Jackson, MS 39232 8861
3 Month Certificate
$0
2.00% ▲ 0.27% above Mississippi avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average1.73%▲ 0.27% above avgNationally 2.09%
Details

Rate History
No change since Oct 5, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Oct 5, 2026: 2.00% APYOct 5, 2026Oct 13, 2026
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
185 Goodman Rd W, Southaven, MS 38671 9033
3 Month Build IT CD
$0
1.57% ▼ 0.16% below Mississippi avg
View
▼
Rate1.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average1.73%▼ 0.16% below avgNationally 2.09%
Details

Balance: $100 to $999.99; Once the Build-IT CD has reached a balance greater than $999.99, it will be rolled into a regular CD of the same term. Penalties for early withdrawals may apply. Rates are subject to change without notice, please see for complete details.Federally insured by NCUA.

Rate History
1 change since Sep 18, 2026 · 1.35% → 1.57% ▲ 0.22 pts · high 1.57% / low 1.35%
0.85%1.46%2.07%Sep 18, 2026: 1.35% APYOct 10, 2026: 1.57% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20261.57%▲ from 1.35%
  • Sep 18, 20261.35%first recorded
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
498 Main St, Woodville, MS 39669
3 Month Certificate
$2,500
1.51% ▼ 0.22% below Mississippi avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average1.73%▼ 0.22% below avgNationally 2.09%
Details

Compounded At Maturity

Rate History
No change since Sep 24, 2026 · 1.51% APY · checked 5 times
1.01%1.51%2.01%Sep 24, 2026: 1.51% APYSep 24, 2026Oct 13, 2026
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
3318 HARDY ST, HATTIESBURG, MS 39401 6962
3 Month Certificate Account
$0
1.10% ▼ 0.63% below Mississippi avg
View
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average1.73%▼ 0.63% below avgNationally 2.09%
Details

Effective as of: Aug 23, 2022; Dividends Paid: Quarterly

Rate History
No change since Sep 21, 2026 · 1.10% APY · checked 6 times
0.60%1.10%1.60%Sep 21, 2026: 1.10% APYSep 21, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
90-Day Certificate - Premier Member
$500
0.80% ▼ 0.93% below Mississippi avg
View
▼
Rate0.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average1.73%▼ 0.93% below avgNationally 2.09%
Details

Premier Member; minimum balance to open a certificate is $500

Rate History
No change since Oct 8, 2026 · 0.80% APY · checked 2 times
0.30%0.80%1.30%Oct 8, 2026: 0.80% APYOct 8, 2026Oct 13, 2026
Citizens Bank & Trust Co. MS
Institution Rating:
D3.4 ★Texas Ratio: 33.79%
239 E Main St, Marks, MS 38646
3 Month CD
$1,000
0.75% ▼ 0.98% below Mississippi avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average1.73%▼ 0.98% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 13, 2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3182 Tupelo Cmns, Tupelo, MS 38804 9513
3 Month Share Certificate
$0
0.65% ▼ 1.08% below Mississippi avg
View
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average1.73%▼ 1.08% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.65% APY · checked 2 times
0.15%0.65%1.15%Oct 8, 2026: 0.65% APYOct 8, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
911 N Davis Ave, Cleveland, MS 38732 2106
3-month term
$0
0.60% ▼ 1.13% below Mississippi avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average1.73%▼ 1.13% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 6 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
90-Day Certificate - Non-premier member
$500
0.55% ▼ 1.18% below Mississippi avg
View
▼
Rate0.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average1.73%▼ 1.18% below avgNationally 2.09%
Details

Non-premier member; minimum balance to open a certificate is $500

Rate History
No change since Oct 8, 2026 · 0.55% APY · checked 2 times
0.05%0.55%1.05%Oct 8, 2026: 0.55% APYOct 8, 2026Oct 13, 2026
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6006 HIGHWAY 63, MOSS POINT, MS 39563
3 Month Certificate
$0
0.55% ▼ 1.18% below Mississippi avg
View
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average1.73%▼ 1.18% below avgNationally 2.09%
Details

Balance: $100,000+; Penalty for early withdrawal applies

Rate History
No change since Oct 12, 2026 · 0.55% APY
0.05%0.55%1.05%Oct 12, 2026: 0.55% APYOct 12, 2026Oct 13, 2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3182 Tupelo Cmns, Tupelo, MS 38804 9513
3 Month Share Certificate
$0
0.55% ▼ 1.18% below Mississippi avg
View
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average1.73%▼ 1.18% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.55% APY · checked 2 times
0.05%0.55%1.05%Oct 8, 2026: 0.55% APYOct 8, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
911 N Davis Ave, Cleveland, MS 38732 2106
3-month term Standard CD
$0
0.50% ▼ 1.23% below Mississippi avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average1.73%▼ 1.23% below avgNationally 2.09%
Details

Regular APY

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 13, 2026
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
102 Highway 72 W, Corinth, MS 38834 5511
90 Day Certificate
$500
0.50% ▼ 1.23% below Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average1.73%▼ 1.23% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 13, 2026
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1604 Cherry St, Vicksburg, MS 39180
3 Month Certificates
$1,000
0.15% ▼ 1.58% below Mississippi avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Mississippi Average1.73%▼ 1.58% below avgNationally 2.09%
Details

APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. As required by federal regulations, there is a substantial penalty for early withdrawals. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not.

Rate History
No change since Oct 9, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Oct 9, 2026: 0.15% APYOct 9, 2026Oct 13, 2026
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
206 Main Street, Tchula, MS 39169
90 Day Personal Certificates of Deposit
$1,000
0.10% ▼ 1.63% below Mississippi avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Mississippi Average1.73%▼ 1.63% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1114 Jackson Ave, Pascagoula, MS 39567
3 month Standard Fixed Rate
$2,500
0.06% ▼ 1.67% below Mississippi avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Mississippi Average1.73%▼ 1.67% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1114 Jackson Ave, Pascagoula, MS 39567
3 month Standard Interest Rate
$2,500
0.06% ▼ 1.67% below Mississippi avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Mississippi Average1.73%▼ 1.67% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1114 Jackson Ave, Pascagoula, MS 39567
3 month Standard Fixed Rate
$2,500
0.05% ▼ 1.68% below Mississippi avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Mississippi Average1.73%▼ 1.68% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026

Mississippi 6 Month CD Rates

MonitorBankRates Mississippi Average · 6 Month CD2.36% APY▲ 0.13% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Mississippi is 2.36% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gulf Coast Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
12364 Highway 49, Gulfport, MS 39503
6 Month Youth Share Certificate
$0
5.00% ▲ 2.64% above Mississippi avg
View
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 2.64% above avgNationally 2.78%
Details

Balance: $500-$15,000

Rate History
No change since Oct 8, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 8, 2026: 5.00% APYOct 8, 2026Oct 13, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
138 Highway 6 W, Batesville, MS 38606
6 Month TEAL Certificate
$250
4.33% ▲ 1.97% above Mississippi avg
View
▼
Rate4.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 1.97% above avgNationally 2.78%
Details

Age: 13-17; Dividends Credited/Compounded: Monthly; $250 Minimum

Rate History
No change since Oct 12, 2026 · 4.33% APY
3.83%4.33%4.83%Oct 12, 2026: 4.33% APYOct 12, 2026Oct 13, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
138 Highway 6 W, Batesville, MS 38606
6-Month TEAL Certificate for Teens
$250
4.33% ▲ 1.97% above Mississippi avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 1.97% above avgNationally 2.78%
Details

Ages: 13-17; Teens Earning And Learning certificate; current dividend 4.33% APY compounded monthly; open in local branch

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYOct 4, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1620 Goodyear Blvd Ste C, Picayune, MS 39466 4582
6-Month Regular Certificate or IRA Certificate
$10,000
4.25% ▲ 1.89% above Mississippi avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 1.89% above avgNationally 2.78%
Details

Deposit: $10,000+

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
6 Month IRA Jumbo
$100,000
4.12% ▲ 1.76% above Mississippi avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.36%▲ 1.76% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.12% APY · checked 7 times
3.62%4.12%4.62%Sep 14, 2026: 4.12% APYSep 14, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
6 Month Certificate
$1,000
4.07% ▲ 1.71% above Mississippi avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.36%▲ 1.71% above avgNationally 2.78%
Details

Rate History
No change since Sep 22, 2026 · 4.07% APY · checked 5 times
3.57%4.07%4.57%Sep 22, 2026: 4.07% APYSep 22, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
6 Month IRA
$1,000
4.07% ▲ 1.71% above Mississippi avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.36%▲ 1.71% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
175 Hopper Ave, De Kalb, MS 39328
Business 6 Months
$0
4.00% ▲ 1.64% above Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 1.64% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1620 Goodyear Blvd Ste C, Picayune, MS 39466 4582
6 Month Youth Certificate
$1,000
4.00% ▲ 1.64% above Mississippi avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 1.64% above avgNationally 2.78%
Details

Term: 6 months, 12 months, 3 years or 5 years

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1620 Goodyear Blvd Ste C, Picayune, MS 39466 4582
6-Month Regular Certificate or IRA Certificate
$2,000
4.00% ▲ 1.64% above Mississippi avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 1.64% above avgNationally 2.78%
Details

Deposit: $2,000-$9,999

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
160 Simler Blvd, Columbus, MS 39710 6802
Share Certificate - 6 Month JUMBO
$50,000
4.00% ▲ 1.64% above Mississippi avg
View
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.36%▲ 1.64% above avgNationally 2.78%
Details

Dividends Compounded & Paid: At Maturity; Penalty will be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
1026 E Broad St, Monticello, MS 39654
6 Month Share Certificate
$0
4.00% ▲ 1.64% above Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.36%▲ 1.64% above avgNationally 2.78%
Details

Penalty for early withdrawal applies

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
1026 E Broad St, Monticello, MS 39654
Certificate - 6 Months
$0
4.00% ▲ 1.64% above Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.36%▲ 1.64% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
250 Industrial Rd, Pascagoula, MS 39581
6 Month Share Certificate
$500
3.85% ▲ 1.49% above Mississippi avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.36%▲ 1.49% above avgNationally 2.78%
Details

Rate History
1 change since Oct 5, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Oct 5, 2026: 3.50% APYOct 13, 2026: 3.85% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20263.85%▲ from 3.50%
  • Oct 5, 20263.50%first recorded
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1506 Congress St, Laurel, MS 39440 4239
Business Share Certificates - 6 Months
$0
3.82% ▲ 1.46% above Mississippi avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 1.46% above avgNationally 2.78%
Details

Rate History
No change since Sep 12, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Sep 12, 2026: 3.82% APYSep 12, 2026Oct 13, 2026
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1506 Congress St, Laurel, MS 39440 4239
Share Certificate - 6 Months
$0
3.82% ▲ 1.46% above Mississippi avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 1.46% above avgNationally 2.78%
Details

Minimum balance required to earn stated APY: $500

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
1360 Sunset Dr Ste 6, Grenada, MS 38901 2854
6 Month Certificate
$50,000
3.75% ▲ 1.39% above Mississippi avg
View
▼
Rate3.72%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 1.39% above avgNationally 2.78%
Details

Rate History
No change since Sep 30, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 30, 2026: 3.75% APYSep 30, 2026Oct 13, 2026
CM Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
1968 6th St N, Columbus, MS 39701
6 Month Certificate of Deposit
$1,000
3.75% ▲ 1.39% above Mississippi avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Mississippi Average2.36%▲ 1.39% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
1360 Sunset Dr Ste 6, Grenada, MS 38901 2854
6 Month Certificate
$10,000
3.70% ▲ 1.34% above Mississippi avg
View
▼
Rate3.67%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 1.34% above avgNationally 2.78%
Details

Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 30, 2026: 3.70% APYSep 30, 2026Oct 13, 2026
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
1360 Sunset Dr Ste 6, Grenada, MS 38901 2854
6 Month Certificate
$2,500
3.65% ▲ 1.29% above Mississippi avg
View
▼
Rate3.62%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 1.29% above avgNationally 2.78%
Details

Rate History
No change since Sep 30, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 30, 2026: 3.65% APYSep 30, 2026Oct 13, 2026
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
84 Airways Pl, Southaven, MS 38671
Investment Certificates - 6 Months SC
$0
3.50% ▲ 1.14% above Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 1.14% above avgNationally 2.78%
Details

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
1200 Magnolia Way, Blue Springs, MS 38828
6 Month IRA Certificate
$0
3.45% ▲ 1.09% above Mississippi avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Mississippi Average2.36%▲ 1.09% above avgNationally 2.78%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
1200 Magnolia Way, Blue Springs, MS 38828
6 Month Share Certificates
$0
3.45% ▲ 1.09% above Mississippi avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Mississippi Average2.36%▲ 1.09% above avgNationally 2.78%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 13, 2026
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
276 Nissan Pkwy, Canton, MS 39046
Certificates - 6 Months
$500
3.44% ▲ 1.08% above Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.36%▲ 1.08% above avgNationally 2.78%
Details

Quarterly dividends; early withdrawals subject to penalty

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 13, 2026
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1340 Echelon Pkwy, Jackson, MS 39213 8202
Regular Certificates - 6-month
$0
3.40% ▲ 1.04% above Mississippi avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.36%▲ 1.04% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
207 E Main St, Senatobia, MS 38668
6 Month Certificate
$0
3.20% ▲ 0.84% above Mississippi avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Mississippi Average2.36%▲ 0.84% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 24, 2026: 3.20% APYSep 24, 2026Oct 13, 2026
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
409 Riverwind Dr, Pearl, MS 39208 5917
6 Month Certificate
$1,000
3.00% ▲ 0.64% above Mississippi avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 0.64% above avgNationally 2.78%
Details

Dividend Posting Period: maturity

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 13, 2026
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
295 E Layfair Dr, Flowood, MS 39232 9527
Certificates - 6 Month
$1,000
3.00% ▲ 0.64% above Mississippi avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 0.64% above avgNationally 2.78%
Details

Rate History
No change since Sep 12, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 12, 2026: 3.00% APYSep 12, 2026Oct 13, 2026
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
185 Goodman Rd W, Southaven, MS 38671 9033
6 Month CDs (Certificates)
$100
2.98% ▲ 0.62% above Mississippi avg
View
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.36%▲ 0.62% above avgNationally 2.78%
Details

Additional deposits are permitted to share certificates up to 10 days after open/renewal date. All rates subject to change without notice. Call 901.380.7400 for current rate information.

Rate History
No change since Sep 14, 2026 · 2.98% APY · checked 6 times
2.48%2.98%3.48%Sep 14, 2026: 2.98% APYSep 14, 2026Oct 13, 2026
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
498 Main St, Woodville, MS 39669
6 Month Certificate
$2,500
2.77% ▲ 0.41% above Mississippi avg
View
▼
Rate2.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.36%▲ 0.41% above avgNationally 2.78%
Details

Compounded At Maturity

Rate History
No change since Sep 24, 2026 · 2.77% APY · checked 5 times
2.27%2.77%3.27%Sep 24, 2026: 2.77% APYSep 24, 2026Oct 13, 2026
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
498 Main St, Woodville, MS 39669
Roth IRA - Fixed Rate (6 mo)
$1,000
2.77% ▲ 0.41% above Mississippi avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.36%▲ 0.41% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 2.77% APY · checked 6 times
2.27%2.77%3.27%Sep 14, 2026: 2.77% APYSep 14, 2026Oct 13, 2026
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
102 Highway 72 W, Corinth, MS 38834 5511
6 Month Certificate
$500
2.50% ▲ 0.14% above Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.36%▲ 0.14% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
9350a Highway 49, Gulfport, MS 39503
6 Month CD
$500
2.25% ▼ 0.11% below Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Mississippi Average2.36%▼ 0.11% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 13, 2026
Mississippi National Guard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
142 Military Dr, Jackson, MS 39232 8861
6 Month Certificate
$0
2.00% ▼ 0.36% below Mississippi avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.36%▼ 0.36% below avgNationally 2.78%
Details

Rate History
No change since Oct 5, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Oct 5, 2026: 2.00% APYOct 5, 2026Oct 13, 2026
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
600 19th Ave, Meridian, MS 39301
Share Certificate 6 Months
$0
1.77% ▼ 0.59% below Mississippi avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.36%▼ 0.59% below avgNationally 2.78%
Details

Early withdrawal penalties apply; all rates subject to change without notice

Rate History
No change since Sep 14, 2026 · 1.77% APY · checked 2 times
1.27%1.77%2.27%Sep 14, 2026: 1.77% APYSep 14, 2026Oct 13, 2026
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
185 Goodman Rd W, Southaven, MS 38671 9033
6 Month Build IT CD
$0
1.77% ▼ 0.59% below Mississippi avg
View
▼
Rate1.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.36%▼ 0.59% below avgNationally 2.78%
Details

Balance: $100 to $999.99; Once the Build-IT CD has reached a balance greater than $999.99, it will be rolled into a regular CD of the same term. Penalties for early withdrawals may apply. Rates are subject to change without notice, please see for complete details.Federally insured by NCUA.

Rate History
1 change since Sep 18, 2026 · 1.49% → 1.77% ▲ 0.28 pts · high 1.77% / low 1.49%
0.99%1.63%2.27%Sep 18, 2026: 1.49% APYOct 10, 2026: 1.77% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20261.77%▲ from 1.49%
  • Sep 18, 20261.49%first recorded
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
903 Jackson Ave, Pascagoula, MS 39567
6 Month Jumbo CD
$0
1.60% ▼ 0.76% below Mississippi avg
View
▼
Rate1.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.36%▼ 0.76% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 1.60% APY · checked 7 times
1.10%1.60%2.10%Sep 14, 2026: 1.60% APYSep 14, 2026Oct 13, 2026
Citizens Bank & Trust Co. MS
Institution Rating:
D3.4 ★Texas Ratio: 33.79%
239 E Main St, Marks, MS 38646
6 Month CD
$1,000
1.51% ▼ 0.85% below Mississippi avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▼ 0.85% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 6 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
903 Jackson Ave, Pascagoula, MS 39567
6 Month CD
$0
1.50% ▼ 0.86% below Mississippi avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.36%▼ 0.86% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 13, 2026
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
903 Jackson Ave, Pascagoula, MS 39567
6 Month IRA CD
$1,000
1.50% ▼ 0.86% below Mississippi avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.36%▼ 0.86% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 13, 2026
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
3318 HARDY ST, HATTIESBURG, MS 39401 6962
6 Month Certificate Account
$0
1.35% ▼ 1.01% below Mississippi avg
View
▼
Rate1.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.36%▼ 1.01% below avgNationally 2.78%
Details

Effective as of: Aug 23, 2022; Dividends Paid: Quarterly

Rate History
No change since Sep 21, 2026 · 1.35% APY · checked 6 times
0.85%1.35%1.85%Sep 21, 2026: 1.35% APYSep 21, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
911 N Davis Ave, Cleveland, MS 38732 2106
6-month term
$0
1.35% ▼ 1.01% below Mississippi avg
View
▼
Rate1.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.36%▼ 1.01% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 1.35% APY · checked 6 times
0.85%1.35%1.85%Sep 14, 2026: 1.35% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
911 N Davis Ave, Cleveland, MS 38732 2106
6-month term Standard CD
$0
1.25% ▼ 1.11% below Mississippi avg
View
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.36%▼ 1.11% below avgNationally 2.78%
Details

Regular APY

Rate History
No change since Sep 27, 2026 · 1.25% APY · checked 4 times
0.75%1.25%1.75%Sep 27, 2026: 1.25% APYSep 27, 2026Oct 13, 2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3182 Tupelo Cmns, Tupelo, MS 38804 9513
6 Month Share Certificate
$0
1.20% ▼ 1.16% below Mississippi avg
View
▼
Rate1.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▼ 1.16% below avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 1.20% APY · checked 2 times
0.70%1.20%1.70%Oct 8, 2026: 1.20% APYOct 8, 2026Oct 13, 2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3182 Tupelo Cmns, Tupelo, MS 38804 9513
6 Month Share Certificate
$0
1.10% ▼ 1.26% below Mississippi avg
View
▼
Rate1.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▼ 1.26% below avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 1.10% APY · checked 2 times
0.60%1.10%1.60%Oct 8, 2026: 1.10% APYOct 8, 2026Oct 13, 2026
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
567 S State St, Jackson, MS 39201
6 Month Certificate
$500
0.95% ▼ 1.41% below Mississippi avg
View
▼
Rate0.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▼ 1.41% below avgNationally 2.78%
Details

Rate History
No change since Sep 20, 2026 · 0.95% APY · checked 5 times
0.45%0.95%1.45%Sep 20, 2026: 0.95% APYSep 20, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
6-Month Certificate - Premier Member
$500
0.85% ▼ 1.51% below Mississippi avg
View
▼
Rate0.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▼ 1.51% below avgNationally 2.78%
Details

Premier Member; minimum balance to open a certificate is $500

Rate History
No change since Oct 8, 2026 · 0.85% APY · checked 2 times
0.35%0.85%1.35%Oct 8, 2026: 0.85% APYOct 8, 2026Oct 13, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
4 Old River Pl, Jackson, MS 39202 3431
6 Month Jumbo Share Certificates (CDs)
$1,000
0.75% ▼ 1.61% below Mississippi avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.36%▼ 1.61% below avgNationally 2.78%
Details

Jumbo rate; standard jumbo rates available on deposits of $95,000 or more

Rate History
No change since Oct 13, 2026 · 0.75% APY
0.25%0.75%1.25%Oct 13, 2026: 0.75% APYOct 13, 2026Oct 13, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
4 Old River Pl, Jackson, MS 39202 3431
6 Month Share Certificates (CDs)
$1,000
0.75% ▼ 1.61% below Mississippi avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.36%▼ 1.61% below avgNationally 2.78%
Details

Not available on jumbo rates

Rate History
No change since Oct 13, 2026 · 0.75% APY
0.25%0.75%1.25%Oct 13, 2026: 0.75% APYOct 13, 2026Oct 13, 2026
Southern Coastal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
677 Dr Martin Luther King Jr Blvd, BILOXI, MS 39530 3838
6 Month Share Certificate
$0
0.75% ▼ 1.61% below Mississippi avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Mississippi Average2.36%▼ 1.61% below avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 0.75% APY · checked 3 times
0.25%0.75%1.25%Oct 9, 2026: 0.75% APYOct 9, 2026Oct 13, 2026

Mississippi 12 Month CD Rates

MonitorBankRates Mississippi Average · 12 Month CD2.82% APY▲ 0.08% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Mississippi is 2.82% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
4 Old River Pl, Jackson, MS 39202 3431
12 Month Share Certificates (CDs) - Jumbo
$1,000
4.53% ▲ 1.71% above Mississippi avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.82%▲ 1.71% above avgNationally 2.99%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.53% APY
4.03%4.53%5.03%Oct 13, 2026: 4.53% APYOct 13, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
Traditional 12-Month IRA Certificate - Premier Member
$500
4.50% ▲ 1.68% above Mississippi avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.82%▲ 1.68% above avgNationally 2.99%
Details

Premier Member rate; Traditional & Roth Certificates Rates

Rate History
No change since Oct 12, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 12, 2026: 4.50% APYOct 12, 2026Oct 13, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1620 Goodyear Blvd Ste C, Picayune, MS 39466 4582
12-Month Regular Certificate or IRA Certificate
$10,000
4.40% ▲ 1.58% above Mississippi avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.82%▲ 1.58% above avgNationally 2.99%
Details

Deposit: $10,000+

Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 8, 2026: 4.40% APYOct 8, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Naval Air Station Meridian, Meridian, MS 39309
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.53% above Mississippi avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.82%▲ 1.53% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
250 Industrial Rd, Pascagoula, MS 39581
12 Month Share Certificate
$100,000
4.35% ▲ 1.53% above Mississippi avg
View
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.82%▲ 1.53% above avgNationally 2.99%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
3.75%4.30%4.85%Oct 5, 2026: 4.25% APYOct 13, 2026: 4.35% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.35%▲ from 4.25%
  • Oct 5, 20264.25%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
138 Highway 6 W, Batesville, MS 38606
IRA Certificate 12 Months
$500
4.33% ▲ 1.51% above Mississippi avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.82%▲ 1.51% above avgNationally 2.99%
Details

Published APY range: 4.33%/4.32%. Dividends Credited/Compounded: Monthly/Quarterly; Minimum opening and running balance for IRA Certificates is $500

Rate History
No change since Oct 12, 2026 · 4.33% APY
3.83%4.33%4.83%Oct 12, 2026: 4.33% APYOct 12, 2026Oct 13, 2026
Gulf Coast Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
12364 Highway 49, Gulfport, MS 39503
12 Months - Special Share Certificate
$1,000
4.25% ▲ 1.43% above Mississippi avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.82%▲ 1.43% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 13, 2026
Gulf Coast Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
12364 Highway 49, Gulfport, MS 39503
SPECIAL RATE - Share Certificate and IRA Certificate (12 Months - Special)
$0
4.25% ▲ 1.43% above Mississippi avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.82%▲ 1.43% above avgNationally 2.99%
Details

Balance: $1,000+

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
Traditional 12-Month IRA Certificate
$500
4.25% ▲ 1.43% above Mississippi avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.82%▲ 1.43% above avgNationally 2.99%
Details

Non-premier member rate; Traditional & Roth Certificates Rates

Rate History
1 change since Sep 14, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.50% APYSep 25, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.25%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
250 Industrial Rd, Pascagoula, MS 39581
12 Month Share Certificate
$500
4.25% ▲ 1.43% above Mississippi avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.82%▲ 1.43% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
12 Month IRA Jumbo
$100,000
4.23% ▲ 1.41% above Mississippi avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.82%▲ 1.41% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 7 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
175 Hopper Ave, De Kalb, MS 39328
Business 12 Months
$0
4.20% ▲ 1.38% above Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.82%▲ 1.38% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
12 Month Certificate
$1,000
4.18% ▲ 1.36% above Mississippi avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.82%▲ 1.36% above avgNationally 2.99%
Details

Rate History
No change since Sep 22, 2026 · 4.18% APY · checked 5 times
3.68%4.18%4.68%Sep 22, 2026: 4.18% APYSep 22, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
12 Month IRA
$1,000
4.18% ▲ 1.36% above Mississippi avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.82%▲ 1.36% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 7 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 13, 2026
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
6225 M St Bldg 305, Meridian, MS 39307
Certificates Of Deposit 12 Month Term
$0
4.04% ▲ 1.22% above Mississippi avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.82%▲ 1.22% above avgNationally 2.99%
Details

Rates effective October 15th, 2025

Rate History
No change since Sep 14, 2026 · 4.04% APY · checked 7 times
3.54%4.04%4.54%Sep 14, 2026: 4.04% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Naval Air Station Meridian, Meridian, MS 39309
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 1.18% above Mississippi avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.82%▲ 1.18% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1620 Goodyear Blvd Ste C, Picayune, MS 39466 4582
12-Month Regular Certificate or IRA Certificate
$2,000
4.00% ▲ 1.18% above Mississippi avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.82%▲ 1.18% above avgNationally 2.99%
Details

Deposit: $2,000-$9,999

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
160 Simler Blvd, Columbus, MS 39710 6802
Share Certificate - 12 Months
$10,000
4.00% ▲ 1.18% above Mississippi avg
View
▼
Rate4.00%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.82%▲ 1.18% above avgNationally 2.99%
Details

Dividends Compounded & Paid: Quarterly; Penalty will be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
567 S State St, Jackson, MS 39201
12 Month Certificate Special
$500
3.82% ▲ 1.00% above Mississippi avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.82%▲ 1.00% above avgNationally 2.99%
Details

LIMITED TIME OFFER: EFFECTIVE 10/03/2025

Rate History
No change since Sep 20, 2026 · 3.82% APY · checked 5 times
3.32%3.82%4.32%Sep 20, 2026: 3.82% APYSep 20, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
12-Month Certificate - Premier Member
$500
3.75% ▲ 0.93% above Mississippi avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.82%▲ 0.93% above avgNationally 2.99%
Details

Premier Member; minimum balance to open a certificate is $500

Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 13, 2026
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1604 Cherry St, Vicksburg, MS 39180
12 Month Certificate Special
$1,000
3.75% ▲ 0.93% above Mississippi avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Mississippi Average2.82%▲ 0.93% above avgNationally 2.99%
Details

Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 11/18/24. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, 8 month and 12 month certificates are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates are subject to a loss of 90 days interest, whether earned or not. IRA CD's are not eligible for certificate specials. All deposits are federally insured up to at least $250,000.00 by the NCUA.

Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 13, 2026
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1340 Echelon Pkwy, Jackson, MS 39213 8202
Regular Certificates - 12-month
$0
3.70% ▲ 0.88% above Mississippi avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.82%▲ 0.88% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 13, 2026
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
1026 E Broad St, Monticello, MS 39654
12 Month Share Certificate
$0
3.69% ▲ 0.87% above Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.82%▲ 0.87% above avgNationally 2.99%
Details

Penalty for early withdrawal applies

Rate History
No change since Sep 14, 2026 · 3.69% APY · checked 8 times
3.19%3.69%4.19%Sep 14, 2026: 3.69% APYSep 14, 2026Oct 13, 2026
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
1026 E Broad St, Monticello, MS 39654
Certificate - 12 Months
$0
3.69% ▲ 0.87% above Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.82%▲ 0.87% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.69% APY · checked 8 times
3.19%3.69%4.19%Sep 14, 2026: 3.69% APYSep 14, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
12 Month Smart Start
$25
3.66% ▲ 0.84% above Mississippi avg
View
▼
Rate3.60%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.82%▲ 0.84% above avgNationally 2.99%
Details

Rate History
No change since Sep 22, 2026 · 3.66% APY · checked 5 times
3.16%3.66%4.16%Sep 22, 2026: 3.66% APYSep 22, 2026Oct 13, 2026
HealthPlus Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.07%
500H E WOODROW WILSON Ave, JACKSON, MS 39216 4538
12 Month Certificate of Deposit
$1,000
3.56% ▲ 0.74% above Mississippi avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.82%▲ 0.74% above avgNationally 2.99%
Details

Effective Date 9/01/2026; Minimum Balance to Avoid Fees: n/a; Dividends compounded and credited quarterly

Rate History
No change since Oct 4, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Oct 4, 2026: 3.56% APYOct 4, 2026Oct 13, 2026
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
276 Nissan Pkwy, Canton, MS 39046
Certificates - 12 Months
$500
3.55% ▲ 0.73% above Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.82%▲ 0.73% above avgNationally 2.99%
Details

Quarterly dividends; early withdrawals subject to penalty

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
207 E Main St, Senatobia, MS 38668
12 Month Certificate
$0
3.51% ▲ 0.69% above Mississippi avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Mississippi Average2.82%▲ 0.69% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 24, 2026: 3.51% APYSep 24, 2026Oct 13, 2026
Gulf Coast Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
12364 Highway 49, Gulfport, MS 39503
12 Month Certificate Special
$0
3.50% ▲ 0.68% above Mississippi avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.82%▲ 0.68% above avgNationally 2.99%
Details

Balance: $1,000 or more

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 13, 2026
Gulf Coast Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
12364 Highway 49, Gulfport, MS 39503
12 Month IRA Certificate
$0
3.50% ▲ 0.68% above Mississippi avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.82%▲ 0.68% above avgNationally 2.99%
Details

Balance: $1,000+

Rate History
1 change since Sep 25, 2026 · 0.60% → 3.50% ▲ 2.90 pts · high 3.50% / low 0.60%
0.00%3.20%6.40%Sep 25, 2026: 0.60% APYOct 8, 2026: 3.50% APYSep 25, 2026Oct 13, 2026
  • Oct 8, 20263.50%▲ from 0.60%
  • Sep 25, 20260.60%first recorded
Gulf Coast Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
12364 Highway 49, Gulfport, MS 39503
12 Month Share Certificate
$1,000
3.50% ▲ 0.68% above Mississippi avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.82%▲ 0.68% above avgNationally 2.99%
Details

Balance: $1,000 or more

Rate History
1 change since Oct 4, 2026 · 4.25% → 3.50% ▼ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Oct 4, 2026: 4.25% APYOct 8, 2026: 3.50% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20263.50%▼ from 4.25%
  • Oct 4, 20264.25%first recorded
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
12-Month Business Certificate
$500
3.50% ▲ 0.68% above Mississippi avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.82%▲ 0.68% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
12-Month Certificate - Non-premier member
$500
3.50% ▲ 0.68% above Mississippi avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.82%▲ 0.68% above avgNationally 2.99%
Details

Non-premier member; minimum balance to open a certificate is $500

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 13, 2026
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
1360 Sunset Dr Ste 6, Grenada, MS 38901 2854
1 Year Certificate
$50,000
3.50% ▲ 0.68% above Mississippi avg
View
▼
Rate3.50%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.82%▲ 0.68% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 30, 2026: 3.50% APYSep 30, 2026Oct 13, 2026
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
1360 Sunset Dr Ste 6, Grenada, MS 38901 2854
1 Year Certificate
$10,000
3.45% ▲ 0.63% above Mississippi avg
View
▼
Rate3.45%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.82%▲ 0.63% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Sep 30, 2026: 3.45% APYSep 30, 2026Oct 13, 2026
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
498 Main St, Woodville, MS 39669
Roth IRA - Fixed Rate (12 mo)
$1,000
3.44% ▲ 0.62% above Mississippi avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.82%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 6 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 13, 2026
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
1360 Sunset Dr Ste 6, Grenada, MS 38901 2854
1 Year Certificate
$500
3.40% ▲ 0.58% above Mississippi avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.82%▲ 0.58% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 30, 2026: 3.40% APYSep 30, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
1200 Magnolia Way, Blue Springs, MS 38828
12 Month IRA Certificate
$0
3.40% ▲ 0.58% above Mississippi avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Mississippi Average2.82%▲ 0.58% above avgNationally 2.99%
Details

Rate History
No change since Sep 29, 2026 · 3.40% APY
2.90%3.40%3.90%Sep 29, 2026: 3.40% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
1200 Magnolia Way, Blue Springs, MS 38828
12 Month Share Certificates
$0
3.40% ▲ 0.58% above Mississippi avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Mississippi Average2.82%▲ 0.58% above avgNationally 2.99%
Details

Rate History
No change since Sep 29, 2026 · 3.40% APY
2.90%3.40%3.90%Sep 29, 2026: 3.40% APYSep 29, 2026Oct 13, 2026
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
498 Main St, Woodville, MS 39669
12 Month Certificate
$1,000
3.29% ▲ 0.47% above Mississippi avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.82%▲ 0.47% above avgNationally 2.99%
Details

Compounded Quarterly

Rate History
No change since Sep 24, 2026 · 3.29% APY · checked 5 times
2.79%3.29%3.79%Sep 24, 2026: 3.29% APYSep 24, 2026Oct 13, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7427 Goodman Rd, Olive Branch, MS 38654
12-month CD
$0
3.25% ▲ 0.43% above Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Mississippi Average2.82%▲ 0.43% above avgNationally 2.99%
Details

Special rate for select new CD accounts.

Rate History
No change since Sep 27, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 27, 2026: 3.25% APYSep 27, 2026Oct 13, 2026
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
409 Riverwind Dr, Pearl, MS 39208 5917
12 Month Certificate
$1,000
3.25% ▲ 0.43% above Mississippi avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.82%▲ 0.43% above avgNationally 2.99%
Details

Dividend Posting Period: maturity

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 13, 2026
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
84 Airways Pl, Southaven, MS 38671
Investment Certificates - 12 Months IRA SC
$0
3.25% ▲ 0.43% above Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.82%▲ 0.43% above avgNationally 2.99%
Details

IRA

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 13, 2026
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
84 Airways Pl, Southaven, MS 38671
Investment Certificates - 12 Months SC
$0
3.25% ▲ 0.43% above Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.82%▲ 0.43% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 13, 2026
CM Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
1968 6th St N, Columbus, MS 39701
12 Month Certificate of Deposit
$1,000
3.25% ▲ 0.43% above Mississippi avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Mississippi Average2.82%▲ 0.43% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
276 Nissan Pkwy, Canton, MS 39046
12 Month Roth Convertible Certificate
$500
3.24% ▲ 0.42% above Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.82%▲ 0.42% above avgNationally 2.99%
Details

Roth Convertible certificate; dividends paid quarterly; early withdrawals subject to penalty

Rate History
No change since Sep 14, 2026 · 3.24% APY · checked 7 times
2.74%3.24%3.74%Sep 14, 2026: 3.24% APYSep 14, 2026Oct 13, 2026
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
276 Nissan Pkwy, Canton, MS 39046
12 Month Roth IRA Certificate
$500
3.24% ▲ 0.42% above Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.82%▲ 0.42% above avgNationally 2.99%
Details

Roth IRA certificate; dividends paid quarterly; early withdrawals subject to penalty

Rate History
No change since Sep 14, 2026 · 3.24% APY · checked 7 times
2.74%3.24%3.74%Sep 14, 2026: 3.24% APYSep 14, 2026Oct 13, 2026
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1506 Congress St, Laurel, MS 39440 4239
Business Share Certificates - 12 Months
$0
3.20% ▲ 0.38% above Mississippi avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.82%▲ 0.38% above avgNationally 2.99%
Details

Rate History
No change since Sep 12, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Sep 12, 2026: 3.20% APYSep 12, 2026Oct 13, 2026
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1506 Congress St, Laurel, MS 39440 4239
Share Certificate - 12 Months
$0
3.20% ▲ 0.38% above Mississippi avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.82%▲ 0.38% above avgNationally 2.99%
Details

Minimum balance required to earn stated APY: $500

Rate History
No change since Oct 12, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 12, 2026: 3.20% APYOct 12, 2026Oct 13, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
4 Old River Pl, Jackson, MS 39202 3431
12 Month Share Certificates (CDs)
$1,000
3.04% ▲ 0.22% above Mississippi avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.82%▲ 0.22% above avgNationally 2.99%
Details

Early withdrawal penalties apply to all certificate and IRA accounts.

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 4 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 13, 2026

Mississippi 18 Month CD Rates

MonitorBankRates Mississippi Average · 18 Month CD3.02% APY▲ 0.04% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Mississippi is 3.02% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1620 Goodyear Blvd Ste C, Picayune, MS 39466 4582
18-Month Regular Certificate or IRA Certificate
$10,000
4.45% ▲ 1.43% above Mississippi avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average3.02%▲ 1.43% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 8, 2026: 4.45% APYOct 8, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
250 Industrial Rd, Pascagoula, MS 39581
18 Month Share Certificate
$100,000
4.35% ▲ 1.33% above Mississippi avg
View
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average3.02%▲ 1.33% above avgNationally 2.87%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.75% → 4.35% ▲ 0.60 pts · high 4.35% / low 3.75%
3.15%4.05%4.95%Oct 5, 2026: 3.75% APYOct 13, 2026: 4.35% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.35%▲ from 3.75%
  • Oct 5, 20263.75%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
138 Highway 6 W, Batesville, MS 38606
IRA Certificate 18 Months
$500
4.33% ▲ 1.31% above Mississippi avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average3.02%▲ 1.31% above avgNationally 2.87%
Details

Dividends Credited/Compounded: Monthly; Minimum opening and running balance for IRA Certificates is $500

Rate History
No change since Oct 12, 2026 · 4.33% APY
3.83%4.33%4.83%Oct 12, 2026: 4.33% APYOct 12, 2026Oct 13, 2026
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1506 Congress St, Laurel, MS 39440 4239
Business Share Certificates - 18 Months
$0
4.33% ▲ 1.31% above Mississippi avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average3.02%▲ 1.31% above avgNationally 2.87%
Details

Certificate special; if term is not available at maturity, certificate renews to next highest term

Rate History
1 change since Sep 12, 2026 · 4.18% → 4.33% ▲ 0.15 pts · high 4.33% / low 4.18%
3.68%4.26%4.83%Sep 12, 2026: 4.18% APYOct 12, 2026: 4.33% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20264.33%▲ from 4.18%
  • Sep 12, 20264.18%first recorded
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1506 Congress St, Laurel, MS 39440 4239
Share Certificate - 18 Months
$0
4.33% ▲ 1.31% above Mississippi avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average3.02%▲ 1.31% above avgNationally 2.87%
Details

Certificate special; if term is not available on maturity, certificate renews to next highest term; Minimum balance required to earn stated APY: $500

Rate History
No change since Oct 12, 2026 · 4.33% APY
3.83%4.33%4.83%Oct 12, 2026: 4.33% APYOct 12, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
18 Month IRA Jumbo
$100,000
4.28% ▲ 1.26% above Mississippi avg
View
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average3.02%▲ 1.26% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 7 times
3.78%4.28%4.78%Sep 14, 2026: 4.28% APYSep 14, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
250 Industrial Rd, Pascagoula, MS 39581
18 Month Share Certificate
$500
4.25% ▲ 1.23% above Mississippi avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average3.02%▲ 1.23% above avgNationally 2.87%
Details

Rate History
1 change since Oct 5, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Oct 5, 2026: 3.75% APYOct 13, 2026: 4.25% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 3.75%
  • Oct 5, 20263.75%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
18 Month Certificate
$1,000
4.23% ▲ 1.21% above Mississippi avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average3.02%▲ 1.21% above avgNationally 2.87%
Details

Rate History
No change since Sep 22, 2026 · 4.23% APY · checked 5 times
3.73%4.23%4.73%Sep 22, 2026: 4.23% APYSep 22, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
18 Month IRA
$1,000
4.23% ▲ 1.21% above Mississippi avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average3.02%▲ 1.21% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 7 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
175 Hopper Ave, De Kalb, MS 39328
Business 18 Months
$0
4.20% ▲ 1.18% above Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average3.02%▲ 1.18% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 13, 2026
Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
160 Simler Blvd, Columbus, MS 39710 6802
Share Certificate - 18 Months
$1,000
4.00% ▲ 0.98% above Mississippi avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average3.02%▲ 0.98% above avgNationally 2.87%
Details

Dividends Compounded & Paid: Quarterly; Penalty will be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
2201 17th St, Gulfport, MS 39501 2910
18 Month Certificate of Deposit
$500
3.95% ▲ 0.93% above Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average3.02%▲ 0.93% above avgNationally 2.87%
Details

Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1340 Echelon Pkwy, Jackson, MS 39213 8202
Regular Certificates - 18-month
$0
3.90% ▲ 0.88% above Mississippi avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average3.02%▲ 0.88% above avgNationally 2.87%
Details

Rate History
No change since Oct 13, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 13, 2026
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
498 Main St, Woodville, MS 39669
Traditional - Variable Rate (18 month)
$100
3.80% ▲ 0.78% above Mississippi avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average3.02%▲ 0.78% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
911 N Davis Ave, Cleveland, MS 38732 2106
18-month term
$0
3.80% ▲ 0.78% above Mississippi avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average3.02%▲ 0.78% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
911 N Davis Ave, Cleveland, MS 38732 2106
IRA Certificates (CDs) - 18-month term
$0
3.80% ▲ 0.78% above Mississippi avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average3.02%▲ 0.78% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Naval Air Station Meridian, Meridian, MS 39309
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.68% above Mississippi avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average3.02%▲ 0.68% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
Traditional 18-Month IRA Certificate - Premier Member
$500
3.50% ▲ 0.48% above Mississippi avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average3.02%▲ 0.48% above avgNationally 2.87%
Details

Premier Member rate; Traditional & Roth Certificates Rates

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
207 E Main St, Senatobia, MS 38668
18 Month Certificate
$0
3.46% ▲ 0.44% above Mississippi avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Mississippi Average3.02%▲ 0.44% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 3.46% APY · checked 5 times
2.96%3.46%3.96%Sep 24, 2026: 3.46% APYSep 24, 2026Oct 13, 2026
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
1360 Sunset Dr Ste 6, Grenada, MS 38901 2854
18 Month Certificate
$50,000
3.35% ▲ 0.33% above Mississippi avg
View
▼
Rate3.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average3.02%▲ 0.33% above avgNationally 2.87%
Details

Rate History
No change since Sep 30, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 30, 2026: 3.35% APYSep 30, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
1200 Magnolia Way, Blue Springs, MS 38828
18 Month IRA Certificate
$0
3.35% ▲ 0.33% above Mississippi avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Mississippi Average3.02%▲ 0.33% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
1200 Magnolia Way, Blue Springs, MS 38828
18 Month Share Certificates
$0
3.35% ▲ 0.33% above Mississippi avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Mississippi Average3.02%▲ 0.33% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 13, 2026
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
1360 Sunset Dr Ste 6, Grenada, MS 38901 2854
18 Month Certificate
$10,000
3.30% ▲ 0.28% above Mississippi avg
View
▼
Rate3.30%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average3.02%▲ 0.28% above avgNationally 2.87%
Details

Rate History
No change since Sep 30, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 30, 2026: 3.30% APYSep 30, 2026Oct 13, 2026
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
498 Main St, Woodville, MS 39669
Roth IRA - Fixed Rate (18 mo)
$1,000
3.29% ▲ 0.27% above Mississippi avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average3.02%▲ 0.27% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
498 Main St, Woodville, MS 39669
Roth IRA - Variable Rate (18 mo)
$100
3.29% ▲ 0.27% above Mississippi avg
View
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average3.02%▲ 0.27% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
409 Riverwind Dr, Pearl, MS 39208 5917
18 Month Certificate
$1,000
3.29% ▲ 0.27% above Mississippi avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average3.02%▲ 0.27% above avgNationally 2.87%
Details

Dividend Posting Period: quarterly

Rate History
No change since Sep 25, 2026 · 3.29% APY · checked 4 times
2.79%3.29%3.79%Sep 25, 2026: 3.29% APYSep 25, 2026Oct 13, 2026
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
409 Riverwind Dr, Pearl, MS 39208 5917
18 Month IRA Certificate
$1,000
3.29% ▲ 0.27% above Mississippi avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average3.02%▲ 0.27% above avgNationally 2.87%
Details

Dividend Posting Period: quarterly

Rate History
No change since Oct 4, 2026 · 3.29% APY · checked 3 times
2.79%3.29%3.79%Oct 4, 2026: 3.29% APYOct 4, 2026Oct 13, 2026
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
276 Nissan Pkwy, Canton, MS 39046
18 Month Roth IRA Certificate
$500
3.29% ▲ 0.27% above Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average3.02%▲ 0.27% above avgNationally 2.87%
Details

IRA certificate; dividends paid quarterly; early withdrawals subject to penalty; IRA and Roth Certificates

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
18-Month Certificate - Premier Member
$500
3.25% ▲ 0.23% above Mississippi avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average3.02%▲ 0.23% above avgNationally 2.87%
Details

Premier Member; minimum balance to open a certificate is $500

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
Traditional 18-Month IRA Certificate
$500
3.25% ▲ 0.23% above Mississippi avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average3.02%▲ 0.23% above avgNationally 2.87%
Details

Non-premier member rate; Traditional & Roth Certificates Rates

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.25% ▼ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 14, 2026: 3.50% APYSep 25, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.25%▼ from 3.50%
  • Sep 14, 20263.50%first recorded
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
2602 Pass Rd, Biloxi, MS 39531 2728
18 Month Jumbo Share & IRA Certificates
$0
3.25% ▲ 0.23% above Mississippi avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average3.02%▲ 0.23% above avgNationally 2.87%
Details

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 13, 2026
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
2602 Pass Rd, Biloxi, MS 39531 2728
18 Month Share & IRA Certificate Accounts
$0
3.25% ▲ 0.23% above Mississippi avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average3.02%▲ 0.23% above avgNationally 2.87%
Details

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 13, 2026
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
1360 Sunset Dr Ste 6, Grenada, MS 38901 2854
18 Month Certificate
$500
3.25% ▲ 0.23% above Mississippi avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average3.02%▲ 0.23% above avgNationally 2.87%
Details

Rate History
No change since Sep 30, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 30, 2026: 3.25% APYSep 30, 2026Oct 13, 2026
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
276 Nissan Pkwy, Canton, MS 39046
Certificates - 18 Months
$500
3.14% ▲ 0.12% above Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average3.02%▲ 0.12% above avgNationally 2.87%
Details

Quarterly dividends; early withdrawals subject to penalty

Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 7 times
2.64%3.14%3.64%Sep 14, 2026: 3.14% APYSep 14, 2026Oct 13, 2026
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
498 Main St, Woodville, MS 39669
18 Month Certificate
$1,000
3.03% ▲ 0.01% above Mississippi avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average3.02%▲ 0.01% above avgNationally 2.87%
Details

Compounded Quarterly

Rate History
No change since Sep 24, 2026 · 3.03% APY · checked 5 times
2.53%3.03%3.53%Sep 24, 2026: 3.03% APYSep 24, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
18-Month Business Certificate
$500
3.00% ▼ 0.02% below Mississippi avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average3.02%▼ 0.02% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
18-Month Certificate - Non-premier member
$500
3.00% ▼ 0.02% below Mississippi avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average3.02%▼ 0.02% below avgNationally 2.87%
Details

Non-premier member; minimum balance to open a certificate is $500

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1604 Cherry St, Vicksburg, MS 39180
18 Month Certificate Special
$1,000
3.00% ▼ 0.02% below Mississippi avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Mississippi Average3.02%▼ 0.02% below avgNationally 2.87%
Details

Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 11/18/24. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, 8 month and 12 month certificates are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates are subject to a loss of 90 days interest, whether earned or not. IRA CD's are not eligible for certificate specials. All deposits are federally insured up to at least $250,000.00 by the NCUA.

Rate History
No change since Oct 9, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 9, 2026: 3.00% APYOct 9, 2026Oct 13, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
4 Old River Pl, Jackson, MS 39202 3431
IRA 18-Month Certificate
$0
2.87% ▼ 0.15% below Mississippi avg
View
▼
Rate2.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average3.02%▼ 0.15% below avgNationally 2.87%
Details

Individual Retirement Accounts

Rate History
1 change since Sep 14, 2026 · 2.55% → 2.87% ▲ 0.32 pts · high 2.87% / low 2.55%
2.05%2.71%3.37%Sep 14, 2026: 2.55% APYOct 9, 2026: 2.87% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20262.87%▲ from 2.55%
  • Sep 14, 20262.55%first recorded
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
102 Highway 72 W, Corinth, MS 38834 5511
18 Month Certificate
$500
2.80% ▼ 0.22% below Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average3.02%▼ 0.22% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 6 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 13, 2026
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
600 19th Ave, Meridian, MS 39301
Share Certificate 18 Months
$0
2.53% ▼ 0.49% below Mississippi avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average3.02%▼ 0.49% below avgNationally 2.87%
Details

Early withdrawal penalties apply; all rates subject to change without notice

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 2 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 13, 2026
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
84 Airways Pl, Southaven, MS 38671
Investment Certificates - 18 Months SC
$0
2.50% ▼ 0.52% below Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average3.02%▼ 0.52% below avgNationally 2.87%
Details

Rate History
No change since Oct 12, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 12, 2026: 2.50% APYOct 12, 2026Oct 13, 2026
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
185 Goodman Rd W, Southaven, MS 38671 9033
18 Month CDs (Certificates)
$100
2.50% ▼ 0.52% below Mississippi avg
View
▼
Rate2.47%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average3.02%▼ 0.52% below avgNationally 2.87%
Details

Additional deposits are permitted to share certificates up to 10 days after open/renewal date. All rates subject to change without notice. Call 901.380.7400 for current rate information.

Rate History
1 change since Sep 14, 2026 · 2.02% → 2.50% ▲ 0.48 pts · high 2.50% / low 2.02%
1.52%2.26%3.00%Sep 14, 2026: 2.02% APYSep 27, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20262.50%▲ from 2.02%
  • Sep 14, 20262.02%first recorded
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
295 E Layfair Dr, Flowood, MS 39232 9527
Certificates - 18 Month
$1,000
2.35% ▼ 0.67% below Mississippi avg
View
▼
Rate2.33%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average3.02%▼ 0.67% below avgNationally 2.87%
Details

Rate History
No change since Sep 12, 2026 · 2.35% APY · checked 2 times
1.85%2.35%2.85%Sep 12, 2026: 2.35% APYSep 12, 2026Oct 13, 2026
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
7950 Craft Goodman Frontage Rd, Olive Branch, MS 38654
18 Month Certificate
$500
2.00% ▼ 1.02% below Mississippi avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average3.02%▼ 1.02% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
19 S Main St, Pontotoc, MS 38863
18 Month IRA Certificate
$0
2.00% ▼ 1.02% below Mississippi avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average3.02%▼ 1.02% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3182 Tupelo Cmns, Tupelo, MS 38804 9513
18 Month Share Certificate
$0
1.87% ▼ 1.15% below Mississippi avg
View
▼
Rate1.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average3.02%▼ 1.15% below avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 1.87% APY · checked 2 times
1.37%1.87%2.37%Oct 8, 2026: 1.87% APYOct 8, 2026Oct 13, 2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3182 Tupelo Cmns, Tupelo, MS 38804 9513
18 Month Share Certificate
$0
1.77% ▼ 1.25% below Mississippi avg
View
▼
Rate1.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average3.02%▼ 1.25% below avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 1.77% APY · checked 2 times
1.27%1.77%2.27%Oct 8, 2026: 1.77% APYOct 8, 2026Oct 13, 2026
Southern Coastal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
677 Dr Martin Luther King Jr Blvd, BILOXI, MS 39530 3838
18 Month Share Certificate
$0
1.51% ▼ 1.51% below Mississippi avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Mississippi Average3.02%▼ 1.51% below avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 1.51% APY · checked 3 times
1.01%1.51%2.01%Oct 9, 2026: 1.51% APYOct 9, 2026Oct 13, 2026
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
903 Jackson Ave, Pascagoula, MS 39567
18 Month IRA CD
$1,000
1.50% ▼ 1.52% below Mississippi avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average3.02%▼ 1.52% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 13, 2026

Mississippi 24 Month CD Rates

MonitorBankRates Mississippi Average · 24 Month CD2.70% APY▲ 0.16% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Mississippi is 2.70% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
4 Old River Pl, Jackson, MS 39202 3431
24 Month Share Certificates (CDs) - Jumbo
$1,000
4.82% ▲ 2.12% above Mississippi avg
View
▼
Rate4.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.70%▲ 2.12% above avgNationally 2.88%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.82% APY
4.32%4.82%5.32%Oct 13, 2026: 4.82% APYOct 13, 2026Oct 13, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1620 Goodyear Blvd Ste C, Picayune, MS 39466 4582
2-Year Regular Certificate or IRA Certificate
$10,000
4.50% ▲ 1.80% above Mississippi avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.70%▲ 1.80% above avgNationally 2.88%
Details

Deposit: $10,000+

Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 8, 2026: 4.50% APYOct 8, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
250 Industrial Rd, Pascagoula, MS 39581
24 Month Share Certificate
$100,000
4.35% ▲ 1.65% above Mississippi avg
View
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.70%▲ 1.65% above avgNationally 2.88%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
3.25%4.07%4.90%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.35% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.35%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
602 S Main St, Poplarville, MS 39470
24-month CD
$0
4.25% ▲ 1.55% above Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Mississippi Average2.70%▲ 1.55% above avgNationally 2.88%
Details

Save on your terms with a guaranteed rate of return on a Certificate of Deposit.

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
175 Hopper Ave, De Kalb, MS 39328
Business 24 Months
$0
4.25% ▲ 1.55% above Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.70%▲ 1.55% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 13, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1620 Goodyear Blvd Ste C, Picayune, MS 39466 4582
2 Year Youth Certificate
$1,000
4.25% ▲ 1.55% above Mississippi avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.70%▲ 1.55% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 13, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1620 Goodyear Blvd Ste C, Picayune, MS 39466 4582
2-Year Regular Certificate or IRA Certificate
$2,000
4.25% ▲ 1.55% above Mississippi avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.70%▲ 1.55% above avgNationally 2.88%
Details

Deposit: $2,000-$9,999

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 13, 2026
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
1026 E Broad St, Monticello, MS 39654
24 Month Share Certificate
$0
4.25% ▲ 1.55% above Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.70%▲ 1.55% above avgNationally 2.88%
Details

Penalty for early withdrawal applies

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
1026 E Broad St, Monticello, MS 39654
Certificate - 24 Months
$0
4.25% ▲ 1.55% above Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.70%▲ 1.55% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
250 Industrial Rd, Pascagoula, MS 39581
24 Month Share Certificate
$500
4.25% ▲ 1.55% above Mississippi avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.70%▲ 1.55% above avgNationally 2.88%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
3.30%4.03%4.75%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.25% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
24 Month IRA Jumbo
$100,000
4.13% ▲ 1.43% above Mississippi avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.70%▲ 1.43% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
3.37%4.00%4.63%Sep 14, 2026: 3.87% APYOct 10, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.13%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
24 Month Certificate
$1,000
4.07% ▲ 1.37% above Mississippi avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.70%▲ 1.37% above avgNationally 2.88%
Details

Rate History
1 change since Sep 22, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 22, 2026: 3.82% APYOct 10, 2026: 4.07% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.07%▲ from 3.82%
  • Sep 22, 20263.82%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
24 Month IRA
$1,000
4.07% ▲ 1.37% above Mississippi avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.70%▲ 1.37% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 14, 2026: 3.82% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.07%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
2201 17th St, Gulfport, MS 39501 2910
24 Month Certificate of Deposit
$500
3.85% ▲ 1.15% above Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.70%▲ 1.15% above avgNationally 2.88%
Details

Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
138 Highway 6 W, Batesville, MS 38606
IRA Certificate 24 Months
$500
3.82% ▲ 1.12% above Mississippi avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.70%▲ 1.12% above avgNationally 2.88%
Details

Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; Minimum opening and running balance for IRA Certificates is $500

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1340 Echelon Pkwy, Jackson, MS 39213 8202
Regular Certificates - 24-month
$0
3.65% ▲ 0.95% above Mississippi avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.70%▲ 0.95% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Naval Air Station Meridian, Meridian, MS 39309
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 0.90% above Mississippi avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.70%▲ 0.90% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 13, 2026
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
409 Riverwind Dr, Pearl, MS 39208 5917
24 Month Certificate
$1,000
3.55% ▲ 0.85% above Mississippi avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.70%▲ 0.85% above avgNationally 2.88%
Details

Dividend Posting Period: quarterly

Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 25, 2026: 3.55% APYSep 25, 2026Oct 13, 2026
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
409 Riverwind Dr, Pearl, MS 39208 5917
24 Month IRA Certificate
$1,000
3.55% ▲ 0.85% above Mississippi avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.70%▲ 0.85% above avgNationally 2.88%
Details

Dividend Posting Period: quarterly

Rate History
No change since Oct 4, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 4, 2026: 3.55% APYOct 4, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
Traditional 24-Month IRA Certificate - Premier Member
$500
3.50% ▲ 0.80% above Mississippi avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.70%▲ 0.80% above avgNationally 2.88%
Details

Premier Member rate; Traditional & Roth Certificates Rates

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
1200 Magnolia Way, Blue Springs, MS 38828
24 Month IRA Certificate
$0
3.45% ▲ 0.75% above Mississippi avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Mississippi Average2.70%▲ 0.75% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
1200 Magnolia Way, Blue Springs, MS 38828
24 Month Share Certificates
$0
3.45% ▲ 0.75% above Mississippi avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Mississippi Average2.70%▲ 0.75% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 13, 2026
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
498 Main St, Woodville, MS 39669
Roth IRA - Fixed Rate (24 mo)
$1,000
3.44% ▲ 0.74% above Mississippi avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.70%▲ 0.74% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 6 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
207 E Main St, Senatobia, MS 38668
24 Month Certificate
$0
3.41% ▲ 0.71% above Mississippi avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Mississippi Average2.70%▲ 0.71% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
24-Month Certificate - Premier Member
$500
3.25% ▲ 0.55% above Mississippi avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.70%▲ 0.55% above avgNationally 2.88%
Details

Premier Member; minimum balance to open a certificate is $500

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
Traditional 24-Month IRA Certificate
$500
3.25% ▲ 0.55% above Mississippi avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.70%▲ 0.55% above avgNationally 2.88%
Details

Non-premier member rate; Traditional & Roth Certificates Rates

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.25% ▼ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 14, 2026: 3.50% APYSep 25, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.25%▼ from 3.50%
  • Sep 14, 20263.50%first recorded
Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
160 Simler Blvd, Columbus, MS 39710 6802
Share Certificate - 24 Months
$1,000
3.25% ▲ 0.55% above Mississippi avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.70%▲ 0.55% above avgNationally 2.88%
Details

Dividends Compounded & Paid: Quarterly; Penalty will be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
1360 Sunset Dr Ste 6, Grenada, MS 38901 2854
2 Year Certificate
$50,000
3.10% ▲ 0.40% above Mississippi avg
View
▼
Rate3.10%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.70%▲ 0.40% above avgNationally 2.88%
Details

Rate History
No change since Sep 30, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Sep 30, 2026: 3.10% APYSep 30, 2026Oct 13, 2026
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
276 Nissan Pkwy, Canton, MS 39046
Certificates - 24 Months
$500
3.08% ▲ 0.38% above Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.70%▲ 0.38% above avgNationally 2.88%
Details

Quarterly dividends; early withdrawals subject to penalty

Rate History
No change since Sep 14, 2026 · 3.08% APY · checked 7 times
2.58%3.08%3.58%Sep 14, 2026: 3.08% APYSep 14, 2026Oct 13, 2026
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
1360 Sunset Dr Ste 6, Grenada, MS 38901 2854
2 Year Certificate
$10,000
3.05% ▲ 0.35% above Mississippi avg
View
▼
Rate3.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.70%▲ 0.35% above avgNationally 2.88%
Details

Rate History
No change since Sep 30, 2026 · 3.05% APY · checked 3 times
2.55%3.05%3.55%Sep 30, 2026: 3.05% APYSep 30, 2026Oct 13, 2026
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1506 Congress St, Laurel, MS 39440 4239
Business Share Certificates - 24 Months
$0
3.04% ▲ 0.34% above Mississippi avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.70%▲ 0.34% above avgNationally 2.88%
Details

Rate History
No change since Sep 12, 2026 · 3.04% APY · checked 2 times
2.54%3.04%3.54%Sep 12, 2026: 3.04% APYSep 12, 2026Oct 13, 2026
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1506 Congress St, Laurel, MS 39440 4239
Share Certificate - 24 Months
$0
3.04% ▲ 0.34% above Mississippi avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.70%▲ 0.34% above avgNationally 2.88%
Details

Minimum balance required to earn stated APY: $500

Rate History
No change since Oct 12, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 12, 2026: 3.04% APYOct 12, 2026Oct 13, 2026
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
498 Main St, Woodville, MS 39669
24 Month Certificate
$1,000
3.03% ▲ 0.33% above Mississippi avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.70%▲ 0.33% above avgNationally 2.88%
Details

Compounded Quarterly

Rate History
No change since Sep 24, 2026 · 3.03% APY · checked 5 times
2.53%3.03%3.53%Sep 24, 2026: 3.03% APYSep 24, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
24-Month Business Certificate
$500
3.00% ▲ 0.30% above Mississippi avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.70%▲ 0.30% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
24-Month Certificate - Non-premier member
$500
3.00% ▲ 0.30% above Mississippi avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.70%▲ 0.30% above avgNationally 2.88%
Details

Non-premier member; minimum balance to open a certificate is $500

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
1360 Sunset Dr Ste 6, Grenada, MS 38901 2854
2 Year Certificate
$500
3.00% ▲ 0.30% above Mississippi avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.70%▲ 0.30% above avgNationally 2.88%
Details

Rate History
No change since Sep 30, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 30, 2026: 3.00% APYSep 30, 2026Oct 13, 2026
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
102 Highway 72 W, Corinth, MS 38834 5511
2 Year Certificate
$500
2.90% ▲ 0.20% above Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.70%▲ 0.20% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
4 Old River Pl, Jackson, MS 39202 3431
24 Month Share Certificates (CDs)
$1,000
2.87% ▲ 0.17% above Mississippi avg
View
▼
Rate2.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.70%▲ 0.17% above avgNationally 2.88%
Details

Early withdrawal penalties apply to all certificate and IRA accounts.

Rate History
1 change since Sep 18, 2026 · 2.55% → 2.87% ▲ 0.32 pts · high 2.87% / low 2.55%
2.05%2.71%3.37%Sep 18, 2026: 2.55% APYOct 13, 2026: 2.87% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20262.87%▲ from 2.55%
  • Sep 18, 20262.55%first recorded
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
84 Airways Pl, Southaven, MS 38671
Investment Certificates - 24 Months IRA SC
$0
2.75% ▲ 0.05% above Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.70%▲ 0.05% above avgNationally 2.88%
Details

IRA

Rate History
No change since Oct 12, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 12, 2026: 2.75% APYOct 12, 2026Oct 13, 2026
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
84 Airways Pl, Southaven, MS 38671
Investment Certificates - 24 Months SC
$0
2.75% ▲ 0.05% above Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.70%▲ 0.05% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 12, 2026: 2.75% APYOct 12, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
911 N Davis Ave, Cleveland, MS 38732 2106
24-month term
$0
2.60% ▼ 0.10% below Mississippi avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.70%▼ 0.10% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 6 times
2.10%2.60%3.10%Sep 14, 2026: 2.60% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
911 N Davis Ave, Cleveland, MS 38732 2106
IRA Certificates (CDs) - 24-month term
$0
2.60% ▼ 0.10% below Mississippi avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.70%▼ 0.10% below avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 2.60% APY
2.10%2.60%3.10%Oct 10, 2026: 2.60% APYOct 10, 2026Oct 13, 2026
Citizens Bank & Trust Co. MS
Institution Rating:
D3.4 ★Texas Ratio: 33.79%
239 E Main St, Marks, MS 38646
24 Month CD
$1,000
2.53% ▼ 0.17% below Mississippi avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.70%▼ 0.17% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 6 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 13, 2026
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
600 19th Ave, Meridian, MS 39301
Share Certificate 24 Months
$0
2.53% ▼ 0.17% below Mississippi avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.70%▼ 0.17% below avgNationally 2.88%
Details

Early withdrawal penalties apply; all rates subject to change without notice

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 2 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 13, 2026
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
19 S Main St, Pontotoc, MS 38863
24 Month IRA Certificate
$0
2.35% ▼ 0.35% below Mississippi avg
View
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.70%▼ 0.35% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.35% APY · checked 6 times
1.85%2.35%2.85%Sep 14, 2026: 2.35% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
911 N Davis Ave, Cleveland, MS 38732 2106
24-month term Standard CD
$0
2.34% ▼ 0.36% below Mississippi avg
View
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.70%▼ 0.36% below avgNationally 2.88%
Details

Regular APY

Rate History
No change since Sep 27, 2026 · 2.34% APY · checked 4 times
1.84%2.34%2.84%Sep 27, 2026: 2.34% APYSep 27, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
911 N Davis Ave, Cleveland, MS 38732 2106
IRA Certificates (CDs) - 24-month term
$0
2.34% ▼ 0.36% below Mississippi avg
View
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.70%▼ 0.36% below avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 2.34% APY
1.84%2.34%2.84%Oct 10, 2026: 2.34% APYOct 10, 2026Oct 13, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
9350a Highway 49, Gulfport, MS 39503
2 Year CD
$500
2.25% ▼ 0.45% below Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Mississippi Average2.70%▼ 0.45% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 13, 2026
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
295 E Layfair Dr, Flowood, MS 39232 9527
Certificates - 24 Month
$1,000
2.10% ▼ 0.60% below Mississippi avg
View
▼
Rate2.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.70%▼ 0.60% below avgNationally 2.88%
Details

Rate History
No change since Sep 12, 2026 · 2.10% APY · checked 2 times
1.60%2.10%2.60%Sep 12, 2026: 2.10% APYSep 12, 2026Oct 13, 2026
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
3318 HARDY ST, HATTIESBURG, MS 39401 6962
24 Month Certificate Account
$0
2.05% ▼ 0.65% below Mississippi avg
View
▼
Rate2.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.70%▼ 0.65% below avgNationally 2.88%
Details

Effective as of: Aug 23, 2022; Dividends Paid: Quarterly

Rate History
No change since Sep 21, 2026 · 2.05% APY · checked 6 times
1.55%2.05%2.55%Sep 21, 2026: 2.05% APYSep 21, 2026Oct 13, 2026

Mississippi 36 Month CD Rates

MonitorBankRates Mississippi Average · 36 Month CD2.57% APY▲ 0.14% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Mississippi is 2.57% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
4 Old River Pl, Jackson, MS 39202 3431
36 Month Share Certificates (CDs) - Jumbo
$1,000
4.93% ▲ 2.36% above Mississippi avg
View
▼
Rate4.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.57%▲ 2.36% above avgNationally 2.81%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.93% APY
4.43%4.93%5.43%Oct 13, 2026: 4.93% APYOct 13, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
250 Industrial Rd, Pascagoula, MS 39581
36 Month Share Certificate
$100,000
4.40% ▲ 1.83% above Mississippi avg
View
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.57%▲ 1.83% above avgNationally 2.81%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
3.20%4.10%5.00%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.40% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.40%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
250 Industrial Rd, Pascagoula, MS 39581
36 Month Share Certificate
$500
4.30% ▲ 1.73% above Mississippi avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.57%▲ 1.73% above avgNationally 2.81%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
175 Hopper Ave, De Kalb, MS 39328
Business 36 Months
$0
4.25% ▲ 1.68% above Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.57%▲ 1.68% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 13, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1620 Goodyear Blvd Ste C, Picayune, MS 39466 4582
3-Year Regular Certificate or IRA Certificate
$10,000
4.25% ▲ 1.68% above Mississippi avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.57%▲ 1.68% above avgNationally 2.81%
Details

Deposit: $10,000+

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Naval Air Station Meridian, Meridian, MS 39309
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.58% above Mississippi avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.57%▲ 1.58% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
36 Month IRA Jumbo
$100,000
4.13% ▲ 1.56% above Mississippi avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.57%▲ 1.56% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
3.37%4.00%4.63%Sep 14, 2026: 3.87% APYOct 10, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.13%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Naval Air Station Meridian, Meridian, MS 39309
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.53% above Mississippi avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.57%▲ 1.53% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
36 Month Certificate
$1,000
4.07% ▲ 1.50% above Mississippi avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.57%▲ 1.50% above avgNationally 2.81%
Details

Rate History
1 change since Sep 22, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 22, 2026: 3.82% APYOct 10, 2026: 4.07% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.07%▲ from 3.82%
  • Sep 22, 20263.82%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
36 Month IRA
$1,000
4.07% ▲ 1.50% above Mississippi avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.57%▲ 1.50% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 14, 2026: 3.82% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.07%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1620 Goodyear Blvd Ste C, Picayune, MS 39466 4582
3-Year Regular Certificate or IRA Certificate
$2,000
4.00% ▲ 1.43% above Mississippi avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.57%▲ 1.43% above avgNationally 2.81%
Details

Deposit: $2,000-$9,999

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
138 Highway 6 W, Batesville, MS 38606
IRA Certificate 36 Months
$500
3.82% ▲ 1.25% above Mississippi avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.57%▲ 1.25% above avgNationally 2.81%
Details

Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; Minimum opening and running balance for IRA Certificates is $500

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
2201 17th St, Gulfport, MS 39501 2910
36 Month Certificate of Deposit
$500
3.75% ▲ 1.18% above Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.57%▲ 1.18% above avgNationally 2.81%
Details

Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1340 Echelon Pkwy, Jackson, MS 39213 8202
Regular Certificates - 36-month
$0
3.65% ▲ 1.08% above Mississippi avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.57%▲ 1.08% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
1200 Magnolia Way, Blue Springs, MS 38828
36 Month IRA Certificate
$0
3.50% ▲ 0.93% above Mississippi avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Mississippi Average2.57%▲ 0.93% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
1200 Magnolia Way, Blue Springs, MS 38828
36 Month Share Certificates
$0
3.50% ▲ 0.93% above Mississippi avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Mississippi Average2.57%▲ 0.93% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
207 E Main St, Senatobia, MS 38668
36 Month Certificate
$0
3.41% ▲ 0.84% above Mississippi avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Mississippi Average2.57%▲ 0.84% above avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 13, 2026
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
276 Nissan Pkwy, Canton, MS 39046
36 Month Roth IRA Certificate
$500
3.34% ▲ 0.77% above Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.57%▲ 0.77% above avgNationally 2.81%
Details

IRA certificate; dividends paid quarterly; early withdrawals subject to penalty; IRA and Roth Certificates

Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 7 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APYSep 14, 2026Oct 13, 2026
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
567 S State St, Jackson, MS 39201
36 Month Certificate Special
$500
3.30% ▲ 0.73% above Mississippi avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.57%▲ 0.73% above avgNationally 2.81%
Details

LIMITED TIME OFFER: EFFECTIVE 10/03/2025

Rate History
No change since Sep 20, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 20, 2026: 3.30% APYSep 20, 2026Oct 13, 2026
Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
160 Simler Blvd, Columbus, MS 39710 6802
Share Certificate - 36 Month
$1,000
3.25% ▲ 0.68% above Mississippi avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.57%▲ 0.68% above avgNationally 2.81%
Details

Dividends Compounded & Paid: Quarterly; Penalty will be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
276 Nissan Pkwy, Canton, MS 39046
Certificates - 36 Months
$500
3.19% ▲ 0.62% above Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.57%▲ 0.62% above avgNationally 2.81%
Details

Quarterly dividends; early withdrawals subject to penalty

Rate History
No change since Sep 14, 2026 · 3.19% APY · checked 7 times
2.69%3.19%3.69%Sep 14, 2026: 3.19% APYSep 14, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
36-Month Certificate - Premier Member
$500
3.00% ▲ 0.43% above Mississippi avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.57%▲ 0.43% above avgNationally 2.81%
Details

Premier Member; minimum balance to open a certificate is $500

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
Traditional 36-Month IRA Certificate - Premier Member
$500
3.00% ▲ 0.43% above Mississippi avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.57%▲ 0.43% above avgNationally 2.81%
Details

Premier Member rate; Traditional & Roth Certificates Rates

Rate History
No change since Oct 12, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 12, 2026: 3.00% APYOct 12, 2026Oct 13, 2026
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
102 Highway 72 W, Corinth, MS 38834 5511
3 Year Certificate
$500
3.00% ▲ 0.43% above Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.57%▲ 0.43% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
4 Old River Pl, Jackson, MS 39202 3431
36 Month Share Certificates (CDs)
$1,000
2.93% ▲ 0.36% above Mississippi avg
View
▼
Rate2.87%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.57%▲ 0.36% above avgNationally 2.81%
Details

Early withdrawal penalties apply to all certificate and IRA accounts.

Rate History
1 change since Sep 18, 2026 · 2.59% → 2.93% ▲ 0.34 pts · high 2.93% / low 2.59%
2.09%2.76%3.43%Sep 18, 2026: 2.59% APYOct 13, 2026: 2.93% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20262.93%▲ from 2.59%
  • Sep 18, 20262.59%first recorded
Citizens Bank & Trust Co. MS
Institution Rating:
D3.4 ★Texas Ratio: 33.79%
239 E Main St, Marks, MS 38646
36 Month CD
$1,000
2.79% ▲ 0.22% above Mississippi avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.57%▲ 0.22% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 6 times
2.29%2.79%3.29%Sep 14, 2026: 2.79% APYSep 14, 2026Oct 13, 2026
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1506 Congress St, Laurel, MS 39440 4239
Business Share Certificates - 36 Months
$0
2.78% ▲ 0.21% above Mississippi avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.57%▲ 0.21% above avgNationally 2.81%
Details

Rate History
No change since Sep 12, 2026 · 2.78% APY · checked 2 times
2.28%2.78%3.28%Sep 12, 2026: 2.78% APYSep 12, 2026Oct 13, 2026
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1506 Congress St, Laurel, MS 39440 4239
Share Certificate - 36 Months
$0
2.78% ▲ 0.21% above Mississippi avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.57%▲ 0.21% above avgNationally 2.81%
Details

Minimum balance required to earn stated APY: $500

Rate History
No change since Oct 12, 2026 · 2.78% APY
2.28%2.78%3.28%Oct 12, 2026: 2.78% APYOct 12, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
36-Month Business Certificate
$500
2.75% ▲ 0.18% above Mississippi avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.57%▲ 0.18% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
36-Month Certificate - Non-premier member
$500
2.75% ▲ 0.18% above Mississippi avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.57%▲ 0.18% above avgNationally 2.81%
Details

Non-premier member; minimum balance to open a certificate is $500

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
Traditional 36-Month IRA Certificate
$500
2.75% ▲ 0.18% above Mississippi avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.57%▲ 0.18% above avgNationally 2.81%
Details

Non-premier member rate; Traditional & Roth Certificates Rates

Rate History
1 change since Sep 14, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
2.25%2.88%3.50%Sep 14, 2026: 3.00% APYSep 25, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20262.75%▼ from 3.00%
  • Sep 14, 20263.00%first recorded
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
1360 Sunset Dr Ste 6, Grenada, MS 38901 2854
3 Year Certificate
$500
2.75% ▲ 0.18% above Mississippi avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.57%▲ 0.18% above avgNationally 2.81%
Details

Rate History
No change since Sep 30, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Sep 30, 2026: 2.75% APYSep 30, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
911 N Davis Ave, Cleveland, MS 38732 2106
36-month term
$0
2.75% ▲ 0.18% above Mississippi avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.57%▲ 0.18% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
911 N Davis Ave, Cleveland, MS 38732 2106
IRA Certificates (CDs) - 36-month term
$0
2.75% ▲ 0.18% above Mississippi avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.57%▲ 0.18% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 10, 2026: 2.75% APYOct 10, 2026Oct 13, 2026
HealthPlus Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.07%
500H E WOODROW WILSON Ave, JACKSON, MS 39216 4538
36 Month Certificate of Deposit
$1,000
2.69% ▲ 0.12% above Mississippi avg
View
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.57%▲ 0.12% above avgNationally 2.81%
Details

Effective Date 9/01/2026; Minimum Balance to Avoid Fees: n/a; Dividends compounded and credited quarterly

Rate History
No change since Oct 4, 2026 · 2.69% APY · checked 3 times
2.19%2.69%3.19%Oct 4, 2026: 2.69% APYOct 4, 2026Oct 13, 2026
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
1026 E Broad St, Monticello, MS 39654
36 Month Share Certificate
$0
2.69% ▲ 0.12% above Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.57%▲ 0.12% above avgNationally 2.81%
Details

Penalty for early withdrawal applies

Rate History
No change since Sep 14, 2026 · 2.69% APY · checked 8 times
2.19%2.69%3.19%Sep 14, 2026: 2.69% APYSep 14, 2026Oct 13, 2026
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
1026 E Broad St, Monticello, MS 39654
Certificate - 36 Months
$0
2.69% ▲ 0.12% above Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.57%▲ 0.12% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.69% APY · checked 8 times
2.19%2.69%3.19%Sep 14, 2026: 2.69% APYSep 14, 2026Oct 13, 2026
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
84 Airways Pl, Southaven, MS 38671
Investment Certificates - 36 Months IRA SC
$0
2.50% ▼ 0.07% below Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.57%▼ 0.07% below avgNationally 2.81%
Details

IRA

Rate History
No change since Oct 12, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 12, 2026: 2.50% APYOct 12, 2026Oct 13, 2026
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
84 Airways Pl, Southaven, MS 38671
Investment Certificates - 36 Months SC
$0
2.50% ▼ 0.07% below Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.57%▼ 0.07% below avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 12, 2026: 2.50% APYOct 12, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
911 N Davis Ave, Cleveland, MS 38732 2106
36-month term Standard CD
$0
2.49% ▼ 0.08% below Mississippi avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.57%▼ 0.08% below avgNationally 2.81%
Details

Regular APY

Rate History
No change since Sep 27, 2026 · 2.49% APY · checked 4 times
1.99%2.49%2.99%Sep 27, 2026: 2.49% APYSep 27, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
911 N Davis Ave, Cleveland, MS 38732 2106
IRA Certificates (CDs) - 36-month term
$0
2.49% ▼ 0.08% below Mississippi avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.57%▼ 0.08% below avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 2.49% APY
1.99%2.49%2.99%Oct 10, 2026: 2.49% APYOct 10, 2026Oct 13, 2026
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
19 S Main St, Pontotoc, MS 38863
36 Month IRA Certificate
$0
2.40% ▼ 0.17% below Mississippi avg
View
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.57%▼ 0.17% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 6 times
1.90%2.40%2.90%Sep 14, 2026: 2.40% APYSep 14, 2026Oct 13, 2026
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
3318 HARDY ST, HATTIESBURG, MS 39401 6962
36 Month Certificate Account
$0
2.40% ▼ 0.17% below Mississippi avg
View
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.57%▼ 0.17% below avgNationally 2.81%
Details

Effective as of: Aug 23, 2022; Dividends Paid: Quarterly

Rate History
No change since Sep 21, 2026 · 2.40% APY · checked 6 times
1.90%2.40%2.90%Sep 21, 2026: 2.40% APYSep 21, 2026Oct 13, 2026
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.43%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS 39216 5118
Share Certificate - 36 Months
$0
2.27% ▼ 0.30% below Mississippi avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.57%▼ 0.30% below avgNationally 2.81%
Details

Compounding Freq.: Quarterly

Rate History
No change since Oct 5, 2026 · 2.27% APY · checked 3 times
1.77%2.27%2.77%Oct 5, 2026: 2.27% APYOct 5, 2026Oct 13, 2026
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
600 19th Ave, Meridian, MS 39301
Share Certificate 3 Years
$0
2.27% ▼ 0.30% below Mississippi avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.57%▼ 0.30% below avgNationally 2.81%
Details

Early withdrawal penalties apply; all rates subject to change without notice

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 13, 2026
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
295 E Layfair Dr, Flowood, MS 39232 9527
Certificates - 36 Month
$1,000
2.10% ▼ 0.47% below Mississippi avg
View
▼
Rate2.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.57%▼ 0.47% below avgNationally 2.81%
Details

Rate History
No change since Sep 12, 2026 · 2.10% APY · checked 2 times
1.60%2.10%2.60%Sep 12, 2026: 2.10% APYSep 12, 2026Oct 13, 2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3182 Tupelo Cmns, Tupelo, MS 38804 9513
36 Month Share Certificate
$0
2.00% ▼ 0.57% below Mississippi avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.57%▼ 0.57% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 8, 2026: 2.00% APYOct 8, 2026Oct 13, 2026
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
185 Goodman Rd W, Southaven, MS 38671 9033
36 Month CDs (Certificates)
$100
2.00% ▼ 0.57% below Mississippi avg
View
▼
Rate1.98%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.57%▼ 0.57% below avgNationally 2.81%
Details

Additional deposits are permitted to share certificates up to 10 days after open/renewal date. All rates subject to change without notice. Call 901.380.7400 for current rate information.

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
Southern Coastal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
677 Dr Martin Luther King Jr Blvd, BILOXI, MS 39530 3838
36 Month Share Certificate
$0
1.92% ▼ 0.65% below Mississippi avg
View
▼
Rate1.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Mississippi Average2.57%▼ 0.65% below avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 1.92% APY · checked 3 times
1.42%1.92%2.42%Oct 9, 2026: 1.92% APYOct 9, 2026Oct 13, 2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3182 Tupelo Cmns, Tupelo, MS 38804 9513
36 Month Share Certificate
$0
1.90% ▼ 0.67% below Mississippi avg
View
▼
Rate1.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.57%▼ 0.67% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 1.90% APY · checked 2 times
1.40%1.90%2.40%Oct 8, 2026: 1.90% APYOct 8, 2026Oct 13, 2026

Mississippi 48 Month CD Rates

MonitorBankRates Mississippi Average · 48 Month CD2.36% APY▲ 0.03% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Mississippi is 2.36% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
250 Industrial Rd, Pascagoula, MS 39581
48 Month Share Certificate
$100,000
4.40% ▲ 2.04% above Mississippi avg
View
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.36%▲ 2.04% above avgNationally 2.80%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
3.20%4.10%5.00%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.40% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.40%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
175 Hopper Ave, De Kalb, MS 39328
Business 48 Months
$0
4.35% ▲ 1.99% above Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 1.99% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
250 Industrial Rd, Pascagoula, MS 39581
48 Month Share Certificate
$500
4.30% ▲ 1.94% above Mississippi avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.36%▲ 1.94% above avgNationally 2.80%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
48 Month IRA Jumbo
$100,000
4.13% ▲ 1.77% above Mississippi avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.36%▲ 1.77% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
3.42%4.03%4.63%Sep 14, 2026: 3.92% APYOct 10, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.13%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
48 Month Certificate
$1,000
4.07% ▲ 1.71% above Mississippi avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.36%▲ 1.71% above avgNationally 2.80%
Details

Rate History
1 change since Sep 22, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
3.37%3.97%4.57%Sep 22, 2026: 3.87% APYOct 10, 2026: 4.07% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.07%▲ from 3.87%
  • Sep 22, 20263.87%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
48 Month IRA
$1,000
4.07% ▲ 1.71% above Mississippi avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.36%▲ 1.71% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
3.37%3.97%4.57%Sep 14, 2026: 3.87% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.07%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
2201 17th St, Gulfport, MS 39501 2910
48 Month Certificate of Deposit
$500
3.85% ▲ 1.49% above Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.36%▲ 1.49% above avgNationally 2.80%
Details

Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 13, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
138 Highway 6 W, Batesville, MS 38606
IRA Certificate 48 Months
$500
3.82% ▲ 1.46% above Mississippi avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 1.46% above avgNationally 2.80%
Details

Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; Minimum opening and running balance for IRA Certificates is $500

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
1200 Magnolia Way, Blue Springs, MS 38828
48 Month IRA Certificate
$0
3.50% ▲ 1.14% above Mississippi avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Mississippi Average2.36%▲ 1.14% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
1200 Magnolia Way, Blue Springs, MS 38828
48 Month Share Certificates
$0
3.50% ▲ 1.14% above Mississippi avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Mississippi Average2.36%▲ 1.14% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
207 E Main St, Senatobia, MS 38668
48 Month Certificate
$0
3.41% ▲ 1.05% above Mississippi avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Mississippi Average2.36%▲ 1.05% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 13, 2026
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
102 Highway 72 W, Corinth, MS 38834 5511
4 Year Certificate
$500
3.25% ▲ 0.89% above Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.36%▲ 0.89% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
48-Month Certificate - Premier Member
$500
3.00% ▲ 0.64% above Mississippi avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 0.64% above avgNationally 2.80%
Details

Premier Member; minimum balance to open a certificate is $500

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
Traditional 48-Month IRA Certificate - Premier Member
$500
3.00% ▲ 0.64% above Mississippi avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 0.64% above avgNationally 2.80%
Details

Premier Member rate; Traditional & Roth Certificates Rates

Rate History
No change since Oct 12, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 12, 2026: 3.00% APYOct 12, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
911 N Davis Ave, Cleveland, MS 38732 2106
48-month term
$0
2.90% ▲ 0.54% above Mississippi avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.36%▲ 0.54% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
911 N Davis Ave, Cleveland, MS 38732 2106
IRA Certificates (CDs) - 48-month term
$0
2.90% ▲ 0.54% above Mississippi avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.36%▲ 0.54% above avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 2.90% APY
2.40%2.90%3.40%Oct 10, 2026: 2.90% APYOct 10, 2026Oct 13, 2026
Citizens Bank & Trust Co. MS
Institution Rating:
D3.4 ★Texas Ratio: 33.79%
239 E Main St, Marks, MS 38646
48 Month CD
$1,000
2.79% ▲ 0.43% above Mississippi avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 0.43% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 6 times
2.29%2.79%3.29%Sep 14, 2026: 2.79% APYSep 14, 2026Oct 13, 2026
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
498 Main St, Woodville, MS 39669
48 Month Certificate
$1,000
2.78% ▲ 0.42% above Mississippi avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.36%▲ 0.42% above avgNationally 2.80%
Details

Compounded Quarterly

Rate History
No change since Sep 24, 2026 · 2.78% APY · checked 5 times
2.28%2.78%3.28%Sep 24, 2026: 2.78% APYSep 24, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
48-Month Business Certificate
$500
2.75% ▲ 0.39% above Mississippi avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 0.39% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
48-Month Certificate - Non-premier member
$500
2.75% ▲ 0.39% above Mississippi avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 0.39% above avgNationally 2.80%
Details

Non-premier member; minimum balance to open a certificate is $500

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
Traditional 48-Month IRA Certificate
$500
2.75% ▲ 0.39% above Mississippi avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 0.39% above avgNationally 2.80%
Details

Non-premier member rate; Traditional & Roth Certificates Rates

Rate History
1 change since Sep 14, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
2.25%2.88%3.50%Sep 14, 2026: 3.00% APYSep 25, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20262.75%▼ from 3.00%
  • Sep 14, 20263.00%first recorded
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
1360 Sunset Dr Ste 6, Grenada, MS 38901 2854
4 Year Certificate
$500
2.75% ▲ 0.39% above Mississippi avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 0.39% above avgNationally 2.80%
Details

Rate History
No change since Sep 30, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Sep 30, 2026: 2.75% APYSep 30, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
911 N Davis Ave, Cleveland, MS 38732 2106
48-month term Standard CD
$0
2.64% ▲ 0.28% above Mississippi avg
View
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.36%▲ 0.28% above avgNationally 2.80%
Details

Regular APY

Rate History
No change since Sep 27, 2026 · 2.64% APY · checked 4 times
2.14%2.64%3.14%Sep 27, 2026: 2.64% APYSep 27, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
911 N Davis Ave, Cleveland, MS 38732 2106
IRA Certificates (CDs) - 48-month term
$0
2.64% ▲ 0.28% above Mississippi avg
View
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.36%▲ 0.28% above avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 2.64% APY
2.14%2.64%3.14%Oct 10, 2026: 2.64% APYOct 10, 2026Oct 13, 2026
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1506 Congress St, Laurel, MS 39440 4239
Business Share Certificates - 48 Months
$0
2.58% ▲ 0.22% above Mississippi avg
View
▼
Rate2.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 0.22% above avgNationally 2.80%
Details

Rate History
No change since Sep 12, 2026 · 2.58% APY · checked 2 times
2.08%2.58%3.08%Sep 12, 2026: 2.58% APYSep 12, 2026Oct 13, 2026
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1506 Congress St, Laurel, MS 39440 4239
Share Certificate - 48 Months
$0
2.58% ▲ 0.22% above Mississippi avg
View
▼
Rate2.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 0.22% above avgNationally 2.80%
Details

Minimum balance required to earn stated APY: $500

Rate History
No change since Oct 12, 2026 · 2.58% APY
2.08%2.58%3.08%Oct 12, 2026: 2.58% APYOct 12, 2026Oct 13, 2026
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
3318 HARDY ST, HATTIESBURG, MS 39401 6962
48 Month Certificate Account
$0
2.55% ▲ 0.19% above Mississippi avg
View
▼
Rate2.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.36%▲ 0.19% above avgNationally 2.80%
Details

Effective as of: Aug 23, 2022; Dividends Paid: Quarterly

Rate History
No change since Sep 21, 2026 · 2.55% APY · checked 6 times
2.05%2.55%3.05%Sep 21, 2026: 2.55% APYSep 21, 2026Oct 13, 2026
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
19 S Main St, Pontotoc, MS 38863
48 Month IRA Certificate
$0
2.45% ▲ 0.09% above Mississippi avg
View
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▲ 0.09% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.45% APY · checked 6 times
1.95%2.45%2.95%Sep 14, 2026: 2.45% APYSep 14, 2026Oct 13, 2026
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.43%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS 39216 5118
Share Certificate - 48 Months
$0
2.37% ▲ 0.01% above Mississippi avg
View
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.36%▲ 0.01% above avgNationally 2.80%
Details

Compounding Freq.: Quarterly

Rate History
No change since Oct 5, 2026 · 2.37% APY · checked 3 times
1.87%2.37%2.87%Oct 5, 2026: 2.37% APYOct 5, 2026Oct 13, 2026
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
600 19th Ave, Meridian, MS 39301
Share Certificate 4 Years
$0
2.27% ▼ 0.09% below Mississippi avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.36%▼ 0.09% below avgNationally 2.80%
Details

Early withdrawal penalties apply; all rates subject to change without notice

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 13, 2026
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
84 Airways Pl, Southaven, MS 38671
Investment Certificates - 48 Months IRA SC
$0
2.25% ▼ 0.11% below Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▼ 0.11% below avgNationally 2.80%
Details

IRA

Rate History
No change since Oct 12, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 12, 2026: 2.25% APYOct 12, 2026Oct 13, 2026
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
84 Airways Pl, Southaven, MS 38671
Investment Certificates - 48 Months SC
$0
2.25% ▼ 0.11% below Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▼ 0.11% below avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 12, 2026: 2.25% APYOct 12, 2026Oct 13, 2026
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
295 E Layfair Dr, Flowood, MS 39232 9527
Certificates - 48 Month
$1,000
2.10% ▼ 0.26% below Mississippi avg
View
▼
Rate2.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▼ 0.26% below avgNationally 2.80%
Details

Rate History
No change since Sep 12, 2026 · 2.10% APY · checked 2 times
1.60%2.10%2.60%Sep 12, 2026: 2.10% APYSep 12, 2026Oct 13, 2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3182 Tupelo Cmns, Tupelo, MS 38804 9513
48 Month Share Certificate
$0
2.10% ▼ 0.26% below Mississippi avg
View
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▼ 0.26% below avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 2.10% APY · checked 2 times
1.60%2.10%2.60%Oct 8, 2026: 2.10% APYOct 8, 2026Oct 13, 2026
Southern Coastal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
677 Dr Martin Luther King Jr Blvd, BILOXI, MS 39530 3838
48 Month Share Certificate
$0
2.02% ▼ 0.34% below Mississippi avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Mississippi Average2.36%▼ 0.34% below avgNationally 2.80%
Details

Rate History
No change since Oct 9, 2026 · 2.02% APY · checked 3 times
1.52%2.02%2.52%Oct 9, 2026: 2.02% APYOct 9, 2026Oct 13, 2026
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
185 Goodman Rd W, Southaven, MS 38671 9033
48 Month CDs (Certificates)
$100
2.02% ▼ 0.34% below Mississippi avg
View
▼
Rate2.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.36%▼ 0.34% below avgNationally 2.80%
Details

Additional deposits are permitted to share certificates up to 10 days after open/renewal date. All rates subject to change without notice. Call 901.380.7400 for current rate information.

Rate History
1 change since Sep 14, 2026 · 1.75% → 2.02% ▲ 0.27 pts · high 2.02% / low 1.75%
1.25%1.89%2.52%Sep 14, 2026: 1.75% APYSep 27, 2026: 2.02% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20262.02%▲ from 1.75%
  • Sep 14, 20261.75%first recorded
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3182 Tupelo Cmns, Tupelo, MS 38804 9513
48 Month Share Certificate
$0
2.00% ▼ 0.36% below Mississippi avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▼ 0.36% below avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 8, 2026: 2.00% APYOct 8, 2026Oct 13, 2026
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
19 S Main St, Pontotoc, MS 38863
48 Month Certificate of Deposit
$0
1.75% ▼ 0.61% below Mississippi avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▼ 0.61% below avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 1.75% APY · checked 5 times
1.25%1.75%2.25%Sep 24, 2026: 1.75% APYSep 24, 2026Oct 13, 2026
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
567 S State St, Jackson, MS 39201
4 Year Certificate
$500
1.71% ▼ 0.65% below Mississippi avg
View
▼
Rate1.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▼ 0.65% below avgNationally 2.80%
Details

Rate History
No change since Sep 20, 2026 · 1.71% APY · checked 5 times
1.21%1.71%2.21%Sep 20, 2026: 1.71% APYSep 20, 2026Oct 13, 2026
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
903 Jackson Ave, Pascagoula, MS 39567
4 Year CD
$0
1.50% ▼ 0.86% below Mississippi avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.36%▼ 0.86% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 13, 2026
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6006 HIGHWAY 63, MOSS POINT, MS 39563
4 Year Certificate
$0
1.31% ▼ 1.05% below Mississippi avg
View
▼
Rate1.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▼ 1.05% below avgNationally 2.80%
Details

Balance: $100,000+; Penalty for early withdrawal applies

Rate History
No change since Oct 12, 2026 · 1.31% APY
0.81%1.31%1.81%Oct 12, 2026: 1.31% APYOct 12, 2026Oct 13, 2026
MEMBERS EXCHANGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
107 Marketridge Dr, Ridgeland, MS 39157 6027
48 Months Share & IRA Certificate
$1,000
1.30% ▼ 1.06% below Mississippi avg
View
▼
Rate1.29%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.36%▼ 1.06% below avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 1.30% APY · checked 2 times
0.80%1.30%1.80%Oct 6, 2026: 1.30% APYOct 6, 2026Oct 13, 2026
NAVIGATOR
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1201 Jackson Ave, Pascagoula, MS 39567 4353
Jumbo IRA Certificates & Over - 48 Month
$0
1.30% ▼ 1.06% below Mississippi avg
View
▼
Rate1.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.36%▼ 1.06% below avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 1.30% APY
0.80%1.30%1.80%Oct 10, 2026: 1.30% APYOct 10, 2026Oct 13, 2026
NAVIGATOR
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1201 Jackson Ave, Pascagoula, MS 39567 4353
IRA Certificates - 48 Month
$0
1.25% ▼ 1.11% below Mississippi avg
View
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.36%▼ 1.11% below avgNationally 2.80%
Details

$25,000.01 - $99,999.99

Rate History
No change since Sep 30, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Sep 30, 2026: 1.25% APYSep 30, 2026Oct 13, 2026
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
2602 Pass Rd, Biloxi, MS 39531 2728
4 Year Jumbo Share & IRA Certificates
$0
1.20% ▼ 1.16% below Mississippi avg
View
▼
Rate1.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▼ 1.16% below avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 1.20% APY
0.70%1.20%1.70%Oct 12, 2026: 1.20% APYOct 12, 2026Oct 13, 2026
NAVIGATOR
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1201 Jackson Ave, Pascagoula, MS 39567 4353
IRA Certificates or Less - 48 Month
$0
1.20% ▼ 1.16% below Mississippi avg
View
▼
Rate1.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.36%▼ 1.16% below avgNationally 2.80%
Details

Rate History
No change since Sep 30, 2026 · 1.20% APY · checked 3 times
0.70%1.20%1.70%Sep 30, 2026: 1.20% APYSep 30, 2026Oct 13, 2026
NAVIGATOR
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1201 Jackson Ave, Pascagoula, MS 39567 4353
Jumbo Share Certificates and Over - 48 Month
$0
1.20% ▼ 1.16% below Mississippi avg
View
▼
Rate1.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.36%▼ 1.16% below avgNationally 2.80%
Details

Rate History
No change since Sep 30, 2026 · 1.20% APY · checked 3 times
0.70%1.20%1.70%Sep 30, 2026: 1.20% APYSep 30, 2026Oct 13, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
9350a Highway 49, Gulfport, MS 39503
4 Year CD
$500
1.15% ▼ 1.21% below Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Mississippi Average2.36%▼ 1.21% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 7 times
0.65%1.15%1.65%Sep 14, 2026: 1.15% APYSep 14, 2026Oct 13, 2026
NAVIGATOR
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1201 Jackson Ave, Pascagoula, MS 39567 4353
48 Month Certificate
$0
1.15% ▼ 1.21% below Mississippi avg
View
▼
Rate1.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.36%▼ 1.21% below avgNationally 2.80%
Details

Rate History
1 change since Sep 30, 2026 · 1.10% → 1.15% ▲ 0.05 pts · high 1.15% / low 1.10%
0.60%1.13%1.65%Sep 30, 2026: 1.10% APYOct 10, 2026: 1.15% APYSep 30, 2026Oct 13, 2026
  • Oct 10, 20261.15%▲ from 1.10%
  • Sep 30, 20261.10%first recorded
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
2602 Pass Rd, Biloxi, MS 39531 2728
4 Year Share & IRA Certificate Accounts
$0
1.10% ▼ 1.26% below Mississippi avg
View
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.36%▼ 1.26% below avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 1.10% APY
0.60%1.10%1.60%Oct 12, 2026: 1.10% APYOct 12, 2026Oct 13, 2026

Mississippi 60 Month CD Rates

MonitorBankRates Mississippi Average · 60 Month CD2.76% APY▲ 0.16% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Mississippi is 2.76% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
4 Old River Pl, Jackson, MS 39202 3431
60 Month Share Certificates (CDs) - Jumbo
$1,000
4.95% ▲ 2.19% above Mississippi avg
View
▼
Rate4.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.76%▲ 2.19% above avgNationally 2.90%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.95% APY
4.45%4.95%5.45%Oct 13, 2026: 4.95% APYOct 13, 2026Oct 13, 2026
Commercial Bank De Kalb, MS
Institution Rating:
A-4.3 ★Texas Ratio: 2.73%
175 Hopper Ave, De Kalb, MS 39328
Business 60 Months
$0
4.50% ▲ 1.74% above Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.76%▲ 1.74% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 8, 2026: 4.50% APYOct 8, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
250 Industrial Rd, Pascagoula, MS 39581
60 Month Share Certificate
$100,000
4.40% ▲ 1.64% above Mississippi avg
View
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.76%▲ 1.64% above avgNationally 2.90%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
3.20%4.10%5.00%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.40% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.40%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
250 Industrial Rd, Pascagoula, MS 39581
60 Month Share Certificate
$500
4.30% ▲ 1.54% above Mississippi avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.76%▲ 1.54% above avgNationally 2.90%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
60 Month IRA Jumbo
$100,000
4.28% ▲ 1.52% above Mississippi avg
View
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.76%▲ 1.52% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 7 times
3.78%4.28%4.78%Sep 14, 2026: 4.28% APYSep 14, 2026Oct 13, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1620 Goodyear Blvd Ste C, Picayune, MS 39466 4582
5-Year Regular Certificate or IRA Certificate
$10,000
4.25% ▲ 1.49% above Mississippi avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.76%▲ 1.49% above avgNationally 2.90%
Details

Deposit: $10,000+

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
60 Month Certificate
$1,000
4.23% ▲ 1.47% above Mississippi avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.76%▲ 1.47% above avgNationally 2.90%
Details

Rate History
No change since Sep 22, 2026 · 4.23% APY · checked 5 times
3.73%4.23%4.73%Sep 22, 2026: 4.23% APYSep 22, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
60 Month IRA
$1,000
4.23% ▲ 1.47% above Mississippi avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.76%▲ 1.47% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 7 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
409 Riverwind Dr, Pearl, MS 39208 5917
60 Month Certificate
$1,000
4.06% ▲ 1.30% above Mississippi avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.76%▲ 1.30% above avgNationally 2.90%
Details

Dividend Posting Period: quarterly

Rate History
No change since Sep 25, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 25, 2026: 4.06% APYSep 25, 2026Oct 13, 2026
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
409 Riverwind Dr, Pearl, MS 39208 5917
60 Month IRA Certificate
$1,000
4.06% ▲ 1.30% above Mississippi avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.76%▲ 1.30% above avgNationally 2.90%
Details

Dividend Posting Period: quarterly

Rate History
No change since Oct 4, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Oct 4, 2026: 4.06% APYOct 4, 2026Oct 13, 2026
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
1620 Goodyear Blvd Ste C, Picayune, MS 39466 4582
5-Year Regular Certificate or IRA Certificate
$2,000
4.00% ▲ 1.24% above Mississippi avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.76%▲ 1.24% above avgNationally 2.90%
Details

Deposit: $2,000-$9,999

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Naval Air Station Meridian, Meridian, MS 39309
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 1.14% above Mississippi avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.76%▲ 1.14% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Naval Air Station Meridian, Meridian, MS 39309
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 1.09% above Mississippi avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.76%▲ 1.09% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
2201 17th St, Gulfport, MS 39501 2910
60 Month Certificate of Deposit
$500
3.85% ▲ 1.09% above Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.76%▲ 1.09% above avgNationally 2.90%
Details

Rates effective as of October 13, 2026; Minimum $500 deposit required to open a CD; Interest compounded daily and posted quarterly and at maturity; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 13, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
138 Highway 6 W, Batesville, MS 38606
IRA Certificate 60 Months
$500
3.82% ▲ 1.06% above Mississippi avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.76%▲ 1.06% above avgNationally 2.90%
Details

Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; Minimum opening and running balance for IRA Certificates is $500

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1340 Echelon Pkwy, Jackson, MS 39213 8202
Regular Certificates - 60-month
$0
3.65% ▲ 0.89% above Mississippi avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.76%▲ 0.89% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
1200 Magnolia Way, Blue Springs, MS 38828
60 Month IRA Certificate
$0
3.50% ▲ 0.74% above Mississippi avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Mississippi Average2.76%▲ 0.74% above avgNationally 2.90%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
1200 Magnolia Way, Blue Springs, MS 38828
60 Month Share Certificates
$0
3.50% ▲ 0.74% above Mississippi avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Mississippi Average2.76%▲ 0.74% above avgNationally 2.90%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
207 E Main St, Senatobia, MS 38668
60 Month Certificate
$0
3.41% ▲ 0.65% above Mississippi avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Mississippi Average2.76%▲ 0.65% above avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 13, 2026
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
102 Highway 72 W, Corinth, MS 38834 5511
5 Year Certificate
$500
3.35% ▲ 0.59% above Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.76%▲ 0.59% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
498 Main St, Woodville, MS 39669
Roth IRA - Variable Rate (60 mo)
$100
3.29% ▲ 0.53% above Mississippi avg
View
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.76%▲ 0.53% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
276 Nissan Pkwy, Canton, MS 39046
Certificates - 60 Months
$500
3.24% ▲ 0.48% above Mississippi avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.76%▲ 0.48% above avgNationally 2.90%
Details

Quarterly dividends; early withdrawals subject to penalty

Rate History
No change since Sep 14, 2026 · 3.24% APY · checked 7 times
2.74%3.24%3.74%Sep 14, 2026: 3.24% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
911 N Davis Ave, Cleveland, MS 38732 2106
60-month term
$0
3.10% ▲ 0.34% above Mississippi avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.76%▲ 0.34% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
911 N Davis Ave, Cleveland, MS 38732 2106
IRA Certificates (CDs) - 60-month term
$0
3.10% ▲ 0.34% above Mississippi avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.76%▲ 0.34% above avgNationally 2.90%
Details

Rate History
No change since Oct 10, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 10, 2026: 3.10% APYOct 10, 2026Oct 13, 2026
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
498 Main St, Woodville, MS 39669
Roth IRA - Fixed Rate (60 mo)
$1,000
3.02% ▲ 0.26% above Mississippi avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.76%▲ 0.26% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.02% APY · checked 6 times
2.52%3.02%3.52%Sep 14, 2026: 3.02% APYSep 14, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
60-Month Certificate - Premier Member
$500
3.00% ▲ 0.24% above Mississippi avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.76%▲ 0.24% above avgNationally 2.90%
Details

Premier Member; minimum balance to open a certificate is $500

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
Traditional 60-Month IRA Certificate - Premier Member
$500
3.00% ▲ 0.24% above Mississippi avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.76%▲ 0.24% above avgNationally 2.90%
Details

Premier Member rate; Traditional & Roth Certificates Rates

Rate History
No change since Oct 12, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 12, 2026: 3.00% APYOct 12, 2026Oct 13, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
4 Old River Pl, Jackson, MS 39202 3431
60 Month Share Certificates (CDs)
$1,000
2.94% ▲ 0.18% above Mississippi avg
View
▼
Rate2.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.76%▲ 0.18% above avgNationally 2.90%
Details

Early withdrawal penalties apply to all certificate and IRA accounts.

Rate History
1 change since Sep 18, 2026 · 2.66% → 2.94% ▲ 0.28 pts · high 2.94% / low 2.66%
2.16%2.80%3.44%Sep 18, 2026: 2.66% APYOct 13, 2026: 2.94% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20262.94%▲ from 2.66%
  • Sep 18, 20262.66%first recorded
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
4 Old River Pl, Jackson, MS 39202 3431
IRA 60-Month Certificate
$0
2.94% ▲ 0.18% above Mississippi avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.76%▲ 0.18% above avgNationally 2.90%
Details

Individual Retirement Accounts

Rate History
1 change since Sep 14, 2026 · 2.66% → 2.94% ▲ 0.28 pts · high 2.94% / low 2.66%
2.16%2.80%3.44%Sep 14, 2026: 2.66% APYOct 9, 2026: 2.94% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20262.94%▲ from 2.66%
  • Sep 14, 20262.66%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
911 N Davis Ave, Cleveland, MS 38732 2106
60-month term Standard CD
$0
2.84% ▲ 0.08% above Mississippi avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.76%▲ 0.08% above avgNationally 2.90%
Details

Regular APY

Rate History
No change since Sep 27, 2026 · 2.84% APY · checked 4 times
2.34%2.84%3.34%Sep 27, 2026: 2.84% APYSep 27, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
911 N Davis Ave, Cleveland, MS 38732 2106
IRA Certificates (CDs) - 60-month term
$0
2.84% ▲ 0.08% above Mississippi avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Mississippi Average2.76%▲ 0.08% above avgNationally 2.90%
Details

Rate History
No change since Oct 10, 2026 · 2.84% APY
2.34%2.84%3.34%Oct 10, 2026: 2.84% APYOct 10, 2026Oct 13, 2026
Citizens Bank & Trust Co. MS
Institution Rating:
D3.4 ★Texas Ratio: 33.79%
239 E Main St, Marks, MS 38646
60 Month CD
$1,000
2.79% ▲ 0.03% above Mississippi avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.76%▲ 0.03% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 6 times
2.29%2.79%3.29%Sep 14, 2026: 2.79% APYSep 14, 2026Oct 13, 2026
Concordia Bank & Trust Company
Institution Rating:
B4.4 ★Texas Ratio: 21.79%
498 Main St, Woodville, MS 39669
60 Month Certificate
$1,000
2.77% ▲ 0.01% above Mississippi avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.76%▲ 0.01% above avgNationally 2.90%
Details

Compounded Semi-Annual

Rate History
No change since Sep 24, 2026 · 2.77% APY · checked 5 times
2.27%2.77%3.27%Sep 24, 2026: 2.77% APYSep 24, 2026Oct 13, 2026
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
19 S Main St, Pontotoc, MS 38863
60 Month IRA Certificate
$0
2.75% ▼ 0.01% below Mississippi avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.76%▼ 0.01% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
60-Month Business Certificate
$500
2.75% ▼ 0.01% below Mississippi avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.76%▼ 0.01% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
60-Month Certificate - Non-premier member
$500
2.75% ▼ 0.01% below Mississippi avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.76%▼ 0.01% below avgNationally 2.90%
Details

Non-premier member; minimum balance to open a certificate is $500

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1808 S Fulton Dr, Corinth, MS 38834 9043
Traditional 60-Month IRA Certificate
$500
2.75% ▼ 0.01% below Mississippi avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.76%▼ 0.01% below avgNationally 2.90%
Details

Non-premier member rate; Traditional & Roth Certificates Rates

Rate History
1 change since Sep 14, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
2.25%2.88%3.50%Sep 14, 2026: 3.00% APYSep 25, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20262.75%▼ from 3.00%
  • Sep 14, 20263.00%first recorded
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1506 Congress St, Laurel, MS 39440 4239
Business Share Certificates - 60 Months
$0
2.68% ▼ 0.08% below Mississippi avg
View
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.76%▼ 0.08% below avgNationally 2.90%
Details

Rate History
No change since Sep 12, 2026 · 2.68% APY · checked 2 times
2.18%2.68%3.18%Sep 12, 2026: 2.68% APYSep 12, 2026Oct 13, 2026
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1506 Congress St, Laurel, MS 39440 4239
Share Certificate - 60 Months
$0
2.68% ▼ 0.08% below Mississippi avg
View
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.76%▼ 0.08% below avgNationally 2.90%
Details

Minimum balance required to earn stated APY: $500

Rate History
No change since Oct 12, 2026 · 2.68% APY
2.18%2.68%3.18%Oct 12, 2026: 2.68% APYOct 12, 2026Oct 13, 2026
CenturyFirst Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
3318 HARDY ST, HATTIESBURG, MS 39401 6962
60 Month Certificate Account
$0
2.55% ▼ 0.21% below Mississippi avg
View
▼
Rate2.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.76%▼ 0.21% below avgNationally 2.90%
Details

Effective as of: Aug 23, 2022; Dividends Paid: Quarterly

Rate History
No change since Sep 21, 2026 · 2.55% APY · checked 6 times
2.05%2.55%3.05%Sep 21, 2026: 2.55% APYSep 21, 2026Oct 13, 2026
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
7950 Craft Goodman Frontage Rd, Olive Branch, MS 38654
60 Month Certificate
$500
2.50% ▼ 0.26% below Mississippi avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Mississippi Average2.76%▼ 0.26% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
1026 E Broad St, Monticello, MS 39654
60 Month Share Certificate
$0
2.39% ▼ 0.37% below Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.76%▼ 0.37% below avgNationally 2.90%
Details

Penalty for early withdrawal applies

Rate History
No change since Sep 14, 2026 · 2.39% APY · checked 8 times
1.89%2.39%2.89%Sep 14, 2026: 2.39% APYSep 14, 2026Oct 13, 2026
Ferguson Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.39%
1026 E Broad St, Monticello, MS 39654
Certificate - 60 Months
$0
2.39% ▼ 0.37% below Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.76%▼ 0.37% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.39% APY · checked 8 times
1.89%2.39%2.89%Sep 14, 2026: 2.39% APYSep 14, 2026Oct 13, 2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3182 Tupelo Cmns, Tupelo, MS 38804 9513
60 Month Share Certificate
$0
2.30% ▼ 0.46% below Mississippi avg
View
▼
Rate2.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.76%▼ 0.46% below avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 2.30% APY · checked 2 times
1.80%2.30%2.80%Oct 8, 2026: 2.30% APYOct 8, 2026Oct 13, 2026
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
600 19th Ave, Meridian, MS 39301
Share Certificate 5 Years
$0
2.27% ▼ 0.49% below Mississippi avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Mississippi Average2.76%▼ 0.49% below avgNationally 2.90%
Details

Early withdrawal penalties apply; all rates subject to change without notice

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 13, 2026
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
84 Airways Pl, Southaven, MS 38671
Investment Certificates - 60 Months IRA SC
$0
2.25% ▼ 0.51% below Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.76%▼ 0.51% below avgNationally 2.90%
Details

IRA

Rate History
No change since Oct 12, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 12, 2026: 2.25% APYOct 12, 2026Oct 13, 2026
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
84 Airways Pl, Southaven, MS 38671
Investment Certificates - 60 Months SC
$0
2.25% ▼ 0.51% below Mississippi avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.76%▼ 0.51% below avgNationally 2.90%
Details

Rate History
No change since Oct 12, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 12, 2026: 2.25% APYOct 12, 2026Oct 13, 2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3182 Tupelo Cmns, Tupelo, MS 38804 9513
60 Month Share Certificate
$0
2.20% ▼ 0.56% below Mississippi avg
View
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.76%▼ 0.56% below avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 2.20% APY · checked 2 times
1.70%2.20%2.70%Oct 8, 2026: 2.20% APYOct 8, 2026Oct 13, 2026
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
295 E Layfair Dr, Flowood, MS 39232 9527
Certificates - 60 Month
$1,000
2.10% ▼ 0.66% below Mississippi avg
View
▼
Rate2.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.76%▼ 0.66% below avgNationally 2.90%
Details

Rate History
No change since Sep 12, 2026 · 2.10% APY · checked 2 times
1.60%2.10%2.60%Sep 12, 2026: 2.10% APYSep 12, 2026Oct 13, 2026
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
567 S State St, Jackson, MS 39201
5 Year Certificate
$500
1.97% ▼ 0.79% below Mississippi avg
View
▼
Rate1.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Mississippi Average2.76%▼ 0.79% below avgNationally 2.90%
Details

Rate History
No change since Sep 20, 2026 · 1.97% APY · checked 5 times
1.47%1.97%2.47%Sep 20, 2026: 1.97% APYSep 20, 2026Oct 13, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Mississippi Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Commercial Bank De Kalb, MS
Business 60 Months
A- 4.3 ★ TX: 2.73%
Min: $0
4.50%
Hancock Whitney Bank
24-month CD
A+ 5.0 ★ TX: 3.41%
Min: $0
4.25%
Concordia Bank & Trust Company
Traditional - Variable Rate (18 month)
B 4.4 ★ TX: 21.79%
Min: $100
3.80%
VirtualBank
12 Month Certificate
A+ 5.0 ★ TX: 5.76%
Min: $0
3.51%
Truist
12-month CD
A+ 5.0 ★ TX: 2.87%
Min: $0
3.25%
CU Top 5 Credit Union Rates
Gulf Coast Community Federal Credit Union
6 Month Youth Share Certificate
A+ 5.0 ★ TX: 4.35%
Min: $0
5.00%
Hope Federal Credit Union Jackson, MS
60 Month Share Certificates (CDs) - Jumbo
A 5.0 ★ TX: 7.78%
Min: $1,000
4.95%
The New Orleans Firemens Federal Credit Union
2-Year Regular Certificate or IRA Certificate
A 5.0 ★ TX: 7.30%
Min: $10,000
4.50%
Fort Financial Federal Credit Union
Traditional 12-Month IRA Certificate - Premier Member
A+ 5.0 ★ TX: 2.95%
Min: $500
4.50%
Chevron Federal Credit Union
36 Month Share Certificate
A+ 5.0 ★ TX: 2.12%
Min: $100,000
4.40%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Mississippi CD Rate Trends

Compare local Mississippi CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Mississippi CD Trends
12-Month CD MS Avg
2.821%
▲ 0.083 vs 7 days ago

Mississippi 12-month CD rates rose 0.083 points over the past 7 days to 2.821% APY.

6-Month CD MS Avg
2.363%
▲ 0.134 vs 7 days ago

Mississippi 6-month CD rates rose 0.134 points over the past 7 days to 2.363% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

MS CD Rate Forecast, Next 12 Months

Where are Mississippi CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

MS 12-Month Avg APY
2.821%
6-Month Forecast
2.821%
Range: 2.62%, 2.97%
12-Month Forecast
3.071%
Range: 2.87%, 3.22%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Mississippi average 12-month CD APY in our database.

Spread model: The Mississippi 12-month CD average currently trades 1.55% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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What Your Savings Earn at MS CD Rates Today

Annual interest earnings at today’s Mississippi average APYs. State average used where available; national average as fallback.

CD Term MS Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.727% $86.36 $172.71 $431.78 $863.55
6-Month CD 2.363% $118.17 $236.33 $590.83 $1,181.65
12-Month CD 2.821% $141.04 $282.08 $705.20 $1,410.40
18-Month CD 3.022% $151.11 $302.22 $755.55 $1,511.10
24-Month CD 2.697% $134.86 $269.71 $674.28 $1,348.55
36-Month CD 2.571% $128.57 $257.13 $642.83 $1,285.65
48-Month CD 2.361% $118.04 $236.08 $590.20 $1,180.40
60-Month CD 2.761% $138.03 $276.06 $690.15 $1,380.30
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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Sample CD Ladder for Mississippi Savers

$25,000 split equally across 5 terms using today’s Mississippi average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit MS Avg APY Annual Earnings
1 3-Month CD $5,000 1.727% $86.36
2 6-Month CD $5,000 2.363% $118.17
3 12-Month CD $5,000 2.821% $141.04
4 24-Month CD $5,000 2.697% $134.86
5 36-Month CD $5,000 2.571% $128.57
Total ($25,000 invested) $25,000 2.436% blended $609.00/yr

Ladder example uses equal $5,000 rungs and Mississippi average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

Powered byMonitorBankRates
527
CD Rates
Tracked in Mississippi
13 Banks 39 Credit Unions

About Our Mississippi CD Rate Database

MonitorBankRates tracks 527 CD rates from 13 banks and 39 credit unions with locations in Mississippi, plus national online institutions available to Mississippi residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Gulf Coast Community Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Mississippi.

How to Find the Best CD Rates in Mississippi

What to compare when shopping for a CD in Mississippi

To find the best APYs in Mississippi, start with credit unions and online-only banks: Mississippi has 39 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 Mississippi

  • 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 Mississippi: 52 institutions here report CD rates

Consider an Alternative If…

Mississippi Financial Snapshot

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

Population 65+
17.2%
National avg: 17.3%
Median Individual Earnings
$37,351
National avg: $47,340
Poverty Rate
18.9%
National avg: 11.1%
Unemployment Rate
5.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$105/yr
At MS 12-mo avg 2.821% APY

17.2% of residents are 65 or older, in line with the national average of 17.3%. At today’s MS 12-month CD average of 2.821%, saving 10% of the local median salary ($3,735/year) and putting it in a CD would earn an additional $105 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 Mississippi

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Mississippi

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 Mississippi 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 Mississippi as everywhere in the U.S.

Choosing a CD Term in Mississippi

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Mississippi savers easier access to their funds. For example, Gulf Coast Community Federal Credit Union is offering its 6 Month Youth Share Certificate at 5.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Hope Federal Credit Union Jackson, MS is offering its 60 Month Share Certificates (CDs) - Jumbo at 4.95% 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 Mississippi 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 Mississippi 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 Mississippi

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 Mississippi 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 Mississippi

Most CDs carry a fixed rate that is locked for the entire term, protecting a Mississippi 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 Mississippi

Are CD rates in Mississippi FDIC insured?

Yes, most established banks in Mississippi 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 Mississippi?

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 Mississippi.

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 Mississippi 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 Mississippi?

Here are recent top rates found for this area:
  • Gulf Coast Community Federal Credit Union: 5.00% APY (6 Month Youth Share Certificate)
  • Hope Federal Credit Union Jackson, MS: 4.95% APY (60 Month Share Certificates (CDs) - Jumbo)
  • Commercial Bank De Kalb, MS: 4.50% APY (Business 60 Months)
  • The New Orleans Firemens Federal Credit Union: 4.50% APY (2-Year Regular Certificate or IRA Certificate)
  • Fort Financial Federal Credit Union: 4.50% APY (Traditional 12-Month IRA Certificate - Premier Member)
  • Chevron Federal Credit Union: 4.40% APY (36 Month Share Certificate)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • Red River Employees Federal Credit Union: 4.33% APY (6 Month TEAL Certificate)
  • Sunbelt Federal Credit Union: 4.33% APY (Business Share Certificates - 18 Months)
  • All In Credit Union: 4.28% APY (18 Month IRA Jumbo)
Rates reflect recent verified offers available in Mississippi. Last Updated: October 13, 2026

Mississippi 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 Mississippi rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Mississippi CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Mississippi. Averages shown use the Mississippi state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Mississippi

Mississippi CD Calculator

At today’s MS top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.

Mississippi CD Ladder

MS CD rates currently range from 1.727% (3-month) to 2.571% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Mississippi CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Mississippi’s average 12-month CD is 2.821% 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 Mississippi 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 Mississippi 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 Mississippi. 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 MS.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026

Mississippi Rates & Resources

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Cities in Mississippi

  • Abbeville
  • Aberdeen
  • Ackerman
  • Algoma
  • Alligator
  • Amory
  • Anguilla
  • Arcola
  • Arkabutla
  • Artesia
  • Ashland
  • Avalon
  • Avon
  • Bailey
  • Baldwyn
  • Banner
  • Bassfield
  • Batesville
  • Bay Saint Louis
  • Bay Springs
  • Beaumont
  • Beauregard
  • Becker
  • Belden
  • Belen
  • Bellefontaine
  • Belmont
  • Belzoni
  • Benoit
  • Benton
  • Bentonia
  • Beulah
  • Big Creek
  • Biloxi
  • Blue Mountain
  • Blue Springs
  • Bogue Chitto
  • Bolton
  • Booneville
  • Boyle
  • Brandon
  • Braxton
  • Brookhaven
  • Brooklyn
  • Brooksville
  • Bruce
  • Buckatunna
  • Bude
  • Burnsville
  • Byhalia
  • Byram
  • Caledonia
  • Calhoun City
  • Camden
  • Canton
  • Carriere
  • Carrollton
  • Carson
  • Carthage
  • Cary
  • Cascilla
  • Cedarbluff
  • Centreville
  • Charleston
  • Chatawa
  • Chatham
  • Chunky
  • Clara
  • Clarksdale
  • Cleveland
  • Clinton
  • Coahoma
  • Coffeeville
  • Coila
  • Coldwater
  • Collins
  • Collinsville
  • Columbia
  • Columbus
  • Como
  • Conehatta
  • Corinth
  • Courtland
  • Crawford
  • Crenshaw
  • Crosby
  • Crowder
  • Cruger
  • Crystal Springs
  • D Iberville
  • D Lo
  • Daleville
  • Darling
  • De Kalb
  • Decatur
  • Delta City
  • Dennis
  • Derma
  • Diamondhead
  • Doddsville
  • Drew
  • Dublin
  • Duck Hill
  • Dumas
  • Duncan
  • Dundee
  • Durant
  • Eastabuchie
  • Ecru
  • Eden
  • Edwards
  • Elliott
  • Ellisville
  • Enid
  • Enterprise
  • Escatawpa
  • Ethel
  • Etta
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