Reno, Nevada Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
Reno, Nevada CD rates range from 0.05% to 5.15% APY, verified by MonitorBankRates as of October 14, 2026. Current Reno, Nevada CD rates include Weststar Credit UnionWeststar Credit Union394 E Moana Ln, Reno, NV 89502A+5.0 ★Texas Ratio: 2.75%Real return: +1.75%APY minus CPI (February 2026) offering 60 Month IRA Term Certificate at 4.55% APY, Mountain America Federal Credit UnionMountain America Federal Credit Union1181 Steamboat Pkwy, Reno, NV 89521 6285A5.0 ★Texas Ratio: 9.78%Real return: +1.70%APY minus CPI (February 2026) offering 24 Month Certificate at 4.50% APY, Greater Nevada Credit UnionGreater Nevada Credit Union6745 Sierra Center Pkwy, Reno, NV 89511F1.0 ★Texas Ratio: 55.97%Real return: +1.50%APY minus CPI (February 2026) offering 60 Month Share Certificate at 4.30% APY, Flagstar Bank, National AssociationFlagstar Bank, National Association100 W Liberty St Ste 190, Reno, NV 89501D3.3 ★Texas Ratio: 35.11%Real return: +1.50%APY minus CPI (February 2026) offering 12 Month Business CD at 4.30% APY, and Farm Bureau Bank FSBFarm Bureau Bank FSB10345 Professional Cir, Reno, NV 89521A+5.0 ★Texas Ratio: 5.46%Real return: +1.35%APY minus CPI (February 2026) offering 1 Year FB-Org Certificate of Deposit [CD] at 4.15% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Reno has 153 local institutions in our database, with CD rates as high as 4.55% APY from Weststar Credit Union at 394 E Moana Ln, Reno, NV 89502. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Nevada area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026
Compare Best CD Rates in Reno, Nevada & the Surrounding Area
Reno 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
3 Month Share Certificate
$500
3.90%
▲ 1.54% above Nevada avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.36%▲ 1.54% above avgNationally 2.09%
Details
Minimum balance $500
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.90% ▲ 0.90 pts · high 3.90% / low 3.00%
- Oct 14, 20263.90%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
IRA Share Certificate (CD) 3 Months
$0
3.90%
▲ 1.54% above Nevada avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.36%▲ 1.54% above avgNationally 2.09%
Details
Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.90% ▲ 0.90 pts · high 3.90% / low 3.00%
- Oct 14, 20263.90%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
IRA Share Certificate (CD) Special Distribution 3 Months
$0
3.90%
▲ 1.54% above Nevada avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.36%▲ 1.54% above avgNationally 2.09%
Details
Special distribution rates; early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 3.90% APY
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
Share Certificate (CD) 3 Months
$500
3.90%
▲ 1.54% above Nevada avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.36%▲ 1.54% above avgNationally 2.09%
Details
Non-compounding certificates available at reduced rates and APYs; early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.90% ▲ 0.90 pts · high 3.90% / low 3.00%
- Oct 14, 20263.90%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
394 E Moana Ln, Reno, NV 89502
3 Month IRA Term Certificate
$0
3.00%
▲ 0.64% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.36%▲ 0.64% above avgNationally 2.09%
Details
Penalty may be imposed for withdrawals prior to maturity
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
394 E Moana Ln, Reno, NV 89502
3 Month Term Certificate
$0
3.00%
▲ 0.64% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.36%▲ 0.64% above avgNationally 2.09%
Details
Penalty may be imposed for withdrawals prior to maturity.
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1296 E Plumb Ln Ste A, Reno, NV 89502 6917
3 Month CD
$0
2.53%
▲ 0.17% above Nevada avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.36%▲ 0.17% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 7 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
980 Ambassador Dr, Reno, NV 89523
3 Month Certificate
$0
1.50%
▼ 0.86% below Nevada avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.36%▼ 0.86% below avgNationally 2.09%
Details
Effective Date: October 01, 2026
Rate History
1 change since Sep 12, 2026 · 1.25% → 1.50% ▲ 0.25 pts · high 1.50% / low 1.25%
- Oct 12, 20261.50%▲ from 1.25%
- Sep 12, 20261.25%first recorded
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
980 Ambassador Dr, Reno, NV 89523
Share and IRA Certificates - 3 Months
$0
1.50%
▼ 0.86% below Nevada avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.36%▼ 0.86% below avgNationally 2.09%
Details
APY with Bonus Rate: 1.60%
Rate History
No change since Oct 12, 2026 · 1.50% APY
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
3 Month Certificate of Deposit [CD]
$1,000
1.10%
▼ 1.26% below Nevada avg
▼
Rate1.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.36%▼ 1.26% below avgNationally 2.09%
Details
Balance: $50,000 and up; Jumbo CD
Rate History
No change since Oct 7, 2026 · 1.10% APY · checked 2 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
3 Month Certificate of Deposit [CD]
$1,000
1.00%
▼ 1.36% below Nevada avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.36%▼ 1.36% below avgNationally 2.09%
Details
Balance: $1,000 to $49,999
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4950 Kietzke Ln, Reno, NV 89509
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.31% below Nevada avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.36%▼ 2.31% below avgNationally 2.09%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4950 Kietzke Ln, Reno, NV 89509
3 Month Standard CD
$1,000
0.05%
▼ 2.31% below Nevada avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.36%▼ 2.31% below avgNationally 2.09%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3-Month HYRC Certificate
$0
4.10%
▲ 1.74% above Nevada avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.36%▲ 1.74% above avgNationally 2.09%
Details
High-Yield Rewards Checking Account required
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Sep 27, 20264.10%▲ from 4.00%
- Sep 18, 20264.00%first recorded
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3-Month Certificate
$0
3.85%
▲ 1.49% above Nevada avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.36%▲ 1.49% above avgNationally 2.09%
Details
Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Sep 27, 20263.85%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Level Up Certificate - 3 Months
$500
3.82%
▲ 1.46% above Nevada avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.36%▲ 1.46% above avgNationally 2.09%
Details
Variable Rate; 90-day interest penalty for early withdrawal; Subsequent deposits allowed only within first 7 days of account opening
Rate History
No change since Oct 14, 2026 · 3.82% APY
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
3 Month Share Certificates
$0
3.75%
▲ 1.39% above Nevada avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.36%▲ 1.39% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
3 Month CERTIFICATES OF DEPOSIT
$0
3.70%
▲ 1.34% above Nevada avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.36%▲ 1.34% above avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 5 times
Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
3 Month Share Certificates
$0
3.45%
▲ 1.09% above Nevada avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.36%▲ 1.09% above avgNationally 2.09%
Details
Balance: $500.00 - $9,999.99
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 2 times
Churchill County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Certificate of Deposit - 3 Month Term
$1,000
3.30%
▲ 0.94% above Nevada avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Nevada Average2.36%▲ 0.94% above avgNationally 2.09%
Details
CD rates effective February 1, 2026
Rate History
No change since Oct 13, 2026 · 3.30% APY
Elko Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 Month Term Share Certificates
$1,000
2.02%
▼ 0.34% below Nevada avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Nevada Average2.36%▼ 0.34% below avgNationally 2.09%
Details
Rate Type: Fixed
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55%
▼ 0.81% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.36%▼ 0.81% below avgNationally 2.09%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.55% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50%
▼ 0.86% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.36%▼ 0.86% below avgNationally 2.09%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.50% APY
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
3 Month CD
$10,000
1.24%
▼ 1.12% below Nevada avg
▼
Rate1.23%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.36%▼ 1.12% below avgNationally 2.09%
Details
Rate History
No change since Sep 20, 2026 · 1.24% APY · checked 6 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Business 3 Month CD
$10,000
1.24%
▼ 1.12% below Nevada avg
▼
Rate1.23%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.36%▼ 1.12% below avgNationally 2.09%
Details
Rate History
No change since Sep 20, 2026 · 1.24% APY · checked 5 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3 Month Standard CDs - Rewards
$0
0.60%
▼ 1.76% below Nevada avg
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.36%▼ 1.76% below avgNationally 2.09%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 0.60% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3 Month Standard CDs - Regular
$0
0.50%
▼ 1.86% below Nevada avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.36%▼ 1.86% below avgNationally 2.09%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 0.50% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard CD - 3-month term
$0
0.50%
▼ 1.86% below Nevada avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.36%▼ 1.86% below avgNationally 2.09%
Details
Regular APY
Rate History
1 change since Sep 14, 2026 · 0.60% → 0.50% ▼ 0.10 pts · high 0.60% / low 0.50%
- Oct 14, 20260.50%▼ from 0.60%
- Sep 14, 20260.60%first recorded
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
3 Month CD
$500
0.10%
▼ 2.26% below Nevada avg
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.36%▼ 2.26% below avgNationally 2.09%
Details
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Business 3 Month CD
$500
0.10%
▼ 2.26% below Nevada avg
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.36%▼ 2.26% below avgNationally 2.09%
Details
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 5 times
Reno 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
100 W Liberty St Ste 190, Reno, NV 89501
6-Month Business CD
$2,500
4.10%
▲ 1.30% above Nevada avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 1.30% above avgNationally 2.77%
Details
APY accurate as of 10/13/2026; Maximum deposit $10 million; Limited-time offer
Rate History
No change since Oct 14, 2026 · 4.10% APY
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
100 W Liberty St Ste 190, Reno, NV 89501
6-Month CD
$2,500
4.10%
▲ 1.30% above Nevada avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 1.30% above avgNationally 2.77%
Details
Short-Term Growth; Annual Percentage Yield accurate as of 10/13/2026; Limited-time offer
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Oct 10, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
6 Month Share Certificate
$500
3.95%
▲ 1.15% above Nevada avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 1.15% above avgNationally 2.77%
Details
Minimum balance $500
Rate History
1 change since Sep 14, 2026 · 3.10% → 3.95% ▲ 0.85 pts · high 3.95% / low 3.10%
- Oct 14, 20263.95%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
IRA Share Certificate (CD) 6 Months
$0
3.95%
▲ 1.15% above Nevada avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 1.15% above avgNationally 2.77%
Details
Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.10% → 3.95% ▲ 0.85 pts · high 3.95% / low 3.10%
- Oct 14, 20263.95%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
IRA Share Certificate (CD) Special Distribution 6 Months
$0
3.95%
▲ 1.15% above Nevada avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 1.15% above avgNationally 2.77%
Details
Special distribution rates; early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 3.95% APY
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
Share Certificate (CD) 6 Months
$500
3.95%
▲ 1.15% above Nevada avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 1.15% above avgNationally 2.77%
Details
Non-compounding certificates available at reduced rates and APYs; early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.10% → 3.95% ▲ 0.85 pts · high 3.95% / low 3.10%
- Oct 14, 20263.95%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
6 Month Certificate of Deposit [CD]
$1,000
3.80%
▲ 1.00% above Nevada avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.80%▲ 1.00% above avgNationally 2.77%
Details
Balance: $50,000 and up; Jumbo CD
Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5370 Kietzke Ln, Reno, NV 89511
Term CD - 6-Month Term
$1,000
3.75%
▲ 0.95% above Nevada avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 0.95% above avgNationally 2.77%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 3.75% APY
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
6 Month Certificate of Deposit [CD]
$1,000
3.70%
▲ 0.90% above Nevada avg
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.80%▲ 0.90% above avgNationally 2.77%
Details
Balance: $1,000 to $49,999
Rate History
1 change since Sep 24, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
- Sep 27, 20263.70%▲ from 3.55%
- Sep 24, 20263.55%first recorded
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
CD with Step-Up Option - 6 months
$250,000
3.50%
▲ 0.70% above Nevada avg
▼
Rate3.44%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.80%▲ 0.70% above avgNationally 2.77%
Details
FDIC insured up to $50 Million
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
9770 S Virginia St, Reno, NV 89511 5941
6 Month Term Share Certificate
$1,000
3.25%
▲ 0.45% above Nevada avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.80%▲ 0.45% above avgNationally 2.77%
Details
Minimum $1,000 Deposit
Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 6 times
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
394 E Moana Ln, Reno, NV 89502
6 Month IRA Term Certificate
$0
3.15%
▲ 0.35% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 0.35% above avgNationally 2.77%
Details
Penalty may be imposed for withdrawals prior to maturity
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
394 E Moana Ln, Reno, NV 89502
6 Month Term Certificate
$0
3.15%
▲ 0.35% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 0.35% above avgNationally 2.77%
Details
Penalty may be imposed for withdrawals prior to maturity.
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 3 times
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1296 E Plumb Ln Ste A, Reno, NV 89502 6917
6 Month CD
$0
3.04%
▲ 0.24% above Nevada avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 0.24% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 7 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
980 Ambassador Dr, Reno, NV 89523
6 Month Certificate
$0
1.55%
▼ 1.25% below Nevada avg
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.80%▼ 1.25% below avgNationally 2.77%
Details
Effective Date: October 01, 2026
Rate History
1 change since Sep 12, 2026 · 1.50% → 1.55% ▲ 0.05 pts · high 1.55% / low 1.50%
- Oct 12, 20261.55%▲ from 1.50%
- Sep 12, 20261.50%first recorded
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
980 Ambassador Dr, Reno, NV 89523
Share and IRA Certificates - 6 Months
$0
1.55%
▼ 1.25% below Nevada avg
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.80%▼ 1.25% below avgNationally 2.77%
Details
APY with Bonus Rate: 1.65%
Rate History
No change since Oct 12, 2026 · 1.55% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4950 Kietzke Ln, Reno, NV 89509
6 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.75% below Nevada avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▼ 2.75% below avgNationally 2.77%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4950 Kietzke Ln, Reno, NV 89509
6 Month Standard CD
$1,000
0.05%
▼ 2.75% below Nevada avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▼ 2.75% below avgNationally 2.77%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6-Month HYRC Certificate
$0
4.10%
▲ 1.30% above Nevada avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 1.30% above avgNationally 2.77%
Details
High-Yield Rewards Checking Account required
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Sep 27, 20264.10%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
6 Month Share Certificates
$0
3.90%
▲ 1.10% above Nevada avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 1.10% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Certificate of Deposit - 6 Months
$500
3.87%
▲ 1.07% above Nevada avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 1.07% above avgNationally 2.77%
Details
Variable Rate certificate; 90-day interest penalty for early withdrawal
Rate History
No change since Sep 27, 2026 · 3.87% APY · checked 3 times
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Level Up Certificate - 6 Months
$500
3.87%
▲ 1.07% above Nevada avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 1.07% above avgNationally 2.77%
Details
Variable Rate; 90-day interest penalty for early withdrawal; Subsequent deposits allowed only within first 7 days of account opening
Rate History
No change since Oct 14, 2026 · 3.87% APY
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
6 Month CERTIFICATES OF DEPOSIT
$0
3.85%
▲ 1.05% above Nevada avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.80%▲ 1.05% above avgNationally 2.77%
Details
Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 5 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6-Month Certificate
$0
3.85%
▲ 1.05% above Nevada avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 1.05% above avgNationally 2.77%
Details
Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Sep 27, 20263.85%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
6 Month Certificate of Deposit (CD)
$0
3.85%
▲ 1.05% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 1.05% above avgNationally 2.77%
Details
Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 6 times
Elko Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Term Share Certificates
$1,000
3.82%
▲ 1.02% above Nevada avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Nevada Average2.80%▲ 1.02% above avgNationally 2.77%
Details
Rate Type: Fixed
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 5 times
Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
6 Month Share Certificates
$0
3.45%
▲ 0.65% above Nevada avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 0.65% above avgNationally 2.77%
Details
Balance: $500.00 - $9,999.99
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 2 times
Churchill County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Certificate of Deposit - 6 Month Term
$1,000
3.30%
▲ 0.50% above Nevada avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Nevada Average2.80%▲ 0.50% above avgNationally 2.77%
Details
CD rates effective February 1, 2026
Rate History
No change since Oct 13, 2026 · 3.30% APY
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
6-month Certificate
$1,000
3.00%
▲ 0.20% above Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.80%▲ 0.20% above avgNationally 2.77%
Details
$1,000.00 minimum to open and earn APY
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
6 Month Business Share Certificates
$1,000
2.00%
▼ 0.80% below Nevada avg
▼
Rate1.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▼ 0.80% below avgNationally 2.77%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
6 Month Share Certificate (CD)
$1,000
2.00%
▼ 0.80% below Nevada avg
▼
Rate1.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▼ 0.80% below avgNationally 2.77%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 6 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
6 Month Traditional Certificate
$1,000
2.00%
▼ 0.80% below Nevada avg
▼
Rate1.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▼ 0.80% below avgNationally 2.77%
Details
Early Withdrawal Penalty: 90 Days' Dividends; IRA Certificate (Traditional, Roth or Educational)
Rate History
No change since Oct 14, 2026 · 2.00% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Business Certificate - 6 Months
$10,000
2.00%
▼ 0.80% below Nevada avg
▼
Rate1.98%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▼ 0.80% below avgNationally 2.77%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Certificate - 6 Months
$10,000
2.00%
▼ 0.80% below Nevada avg
▼
Rate1.98%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▼ 0.80% below avgNationally 2.77%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Traditional Certificate - 6 Months
$10,000
2.00%
▼ 0.80% below Nevada avg
▼
Rate1.98%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▼ 0.80% below avgNationally 2.77%
Details
Early Withdrawal Penalty: 90 Days' Dividends; IRA Certificate Plus (Traditional, Roth or Educational)
Rate History
No change since Oct 14, 2026 · 2.00% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
6 Month Standard CDs - Rewards
$0
1.35%
▼ 1.45% below Nevada avg
▼
Rate1.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▼ 1.45% below avgNationally 2.77%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 1.35% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
6 Month Standard CDs - Regular
$0
1.25%
▼ 1.55% below Nevada avg
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▼ 1.55% below avgNationally 2.77%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 1.25% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard CD - 6-month term
$0
1.25%
▼ 1.55% below Nevada avg
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▼ 1.55% below avgNationally 2.77%
Details
Regular APY
Rate History
1 change since Sep 14, 2026 · 1.35% → 1.25% ▼ 0.10 pts · high 1.35% / low 1.25%
- Oct 14, 20261.25%▼ from 1.35%
- Sep 14, 20261.35%first recorded
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Share Certificate - 6 Month
$100,000
0.30%
▼ 2.50% below Nevada avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▼ 2.50% below avgNationally 2.77%
Details
Balance: $100,000 and over
Rate History
No change since Sep 30, 2026 · 0.30% APY · checked 2 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Share Certificate - 6 Month
$1,000
0.25%
▼ 2.55% below Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▼ 2.55% below avgNationally 2.77%
Details
Balance: $1,000 - $99,999
Rate History
No change since Sep 30, 2026 · 0.25% APY · checked 2 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
6 Month CD
$500
0.16%
▼ 2.64% below Nevada avg
▼
Rate0.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.80%▼ 2.64% below avgNationally 2.77%
Details
Rate History
No change since Sep 20, 2026 · 0.16% APY · checked 6 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Business 6 Month CD
$500
0.16%
▼ 2.64% below Nevada avg
▼
Rate0.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.80%▼ 2.64% below avgNationally 2.77%
Details
Rate History
No change since Sep 20, 2026 · 0.16% APY · checked 5 times
Nevada B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
6 MONTH CERTIFICATE OF DEPOSIT
$1,000
0.15%
▼ 2.65% below Nevada avg
▼
Rate0.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.80%▼ 2.65% below avgNationally 2.77%
Details
Rate History
No change since Sep 11, 2026 · 0.15% APY · checked 8 times
Reno 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
100 W Liberty St Ste 190, Reno, NV 89501
12 Month Business CD
$500
4.30%
▲ 1.18% above Nevada avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 1.18% above avgNationally 2.99%
Details
APY accurate as of 10/13/2026; Maximum deposit $10 million; Limited-time offer
Rate History
No change since Oct 14, 2026 · 4.30% APY
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
100 W Liberty St Ste 190, Reno, NV 89501
12-Month CD
$500
4.30%
▲ 1.18% above Nevada avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 1.18% above avgNationally 2.99%
Details
Top Rate; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited-time offer
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 10, 20264.30%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
1 Year FB-Org Certificate of Deposit [CD]
$1,000
4.15%
▲ 1.03% above Nevada avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average3.12%▲ 1.03% above avgNationally 2.99%
Details
Call 800.988.4419
Rate History
No change since Sep 19, 2026 · 4.15% APY · checked 7 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
1 Year Certificate of Deposit [CD]
$1,000
4.10%
▲ 0.98% above Nevada avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average3.12%▲ 0.98% above avgNationally 2.99%
Details
Balance: $50,000 and up; Jumbo CD
Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
1181 Steamboat Pkwy, Reno, NV 89521 6285
12 Month Certificate
$0
4.05%
▲ 0.93% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Nevada Average3.12%▲ 0.93% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
- Oct 5, 20264.05%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
1 Year Certificate of Deposit [CD]
$1,000
4.00%
▲ 0.88% above Nevada avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average3.12%▲ 0.88% above avgNationally 2.99%
Details
Balance: $1,000 to $49,999
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 6 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5370 Kietzke Ln, Reno, NV 89511
Term CD - 1-Year Term
$1,000
4.00%
▲ 0.88% above Nevada avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 0.88% above avgNationally 2.99%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 4.00% APY
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
12 Month Share Certificate
$500
3.95%
▲ 0.83% above Nevada avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 0.83% above avgNationally 2.99%
Details
Minimum balance $500
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.95% ▲ 0.70 pts · high 3.95% / low 3.25%
- Oct 14, 20263.95%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
IRA Share Certificate (CD) 12 Months
$0
3.95%
▲ 0.83% above Nevada avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 0.83% above avgNationally 2.99%
Details
Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.95% ▲ 0.70 pts · high 3.95% / low 3.25%
- Oct 14, 20263.95%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
IRA Share Certificate (CD) Special Distribution 12 Months
$0
3.95%
▲ 0.83% above Nevada avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 0.83% above avgNationally 2.99%
Details
Special distribution rates; early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 3.95% APY
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
Share Certificate (CD) 12 Months
$500
3.95%
▲ 0.83% above Nevada avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 0.83% above avgNationally 2.99%
Details
Non-compounding certificates available at reduced rates and APYs; early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.95% ▲ 0.70 pts · high 3.95% / low 3.25%
- Oct 14, 20263.95%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
CD with Step-Up Option - 1 year
$250,000
3.80%
▲ 0.68% above Nevada avg
▼
Rate3.73%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average3.12%▲ 0.68% above avgNationally 2.99%
Details
FDIC insured up to $50 Million
Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
1 Year CD with Step-Up Option
$1,000
3.75%
▲ 0.63% above Nevada avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average3.12%▲ 0.63% above avgNationally 2.99%
Details
Balance: $50,000 and up; Jumbo CD; IRA CDs only available for 6-month to 5-year terms
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
1 Year CD with Step-Up Option
$1,000
3.65%
▲ 0.53% above Nevada avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average3.12%▲ 0.53% above avgNationally 2.99%
Details
Balance: $1,000 to $49,999; IRA CDs only available for 6-month to 5-year terms
Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 6 times
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
9770 S Virginia St, Reno, NV 89511 5941
12 Month Term Share Certificate
$1,000
3.55%
▲ 0.43% above Nevada avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average3.12%▲ 0.43% above avgNationally 2.99%
Details
Minimum $1,000 Deposit
Rate History
No change since Sep 12, 2026 · 3.55% APY · checked 6 times
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
9770 S Virginia St, Reno, NV 89511 5941
1 Year Achieve My Dream Certificate
$250
3.50%
▲ 0.38% above Nevada avg
▼
Rate3.46%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average3.12%▲ 0.38% above avgNationally 2.99%
Details
Miscellaneous Certificate Rates; $250 min. 1 yr term; Jr. Savers & Young Investors only
Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 6 times
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
9770 S Virginia St, Reno, NV 89511 5941
1 Year Payday Certificate
$250
3.50%
▲ 0.38% above Nevada avg
▼
Rate3.46%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average3.12%▲ 0.38% above avgNationally 2.99%
Details
Miscellaneous Certificate Rates; $250 min. 1 yr term
Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 6 times
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
394 E Moana Ln, Reno, NV 89502
12 Month IRA Term Certificate
$0
3.30%
▲ 0.18% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 0.18% above avgNationally 2.99%
Details
Penalty may be imposed for withdrawals prior to maturity
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
394 E Moana Ln, Reno, NV 89502
12 Month Term Certificate
$0
3.30%
▲ 0.18% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 0.18% above avgNationally 2.99%
Details
Penalty may be imposed for withdrawals prior to maturity.
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 3 times
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1296 E Plumb Ln Ste A, Reno, NV 89502 6917
1 Year CD
$0
3.30%
▲ 0.18% above Nevada avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 0.18% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
980 Ambassador Dr, Reno, NV 89523
12 Month Certificate
$0
1.60%
▼ 1.52% below Nevada avg
▼
Rate1.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average3.12%▼ 1.52% below avgNationally 2.99%
Details
Effective Date: October 01, 2026
Rate History
1 change since Sep 12, 2026 · 1.55% → 1.60% ▲ 0.05 pts · high 1.60% / low 1.55%
- Oct 12, 20261.60%▲ from 1.55%
- Sep 12, 20261.55%first recorded
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
980 Ambassador Dr, Reno, NV 89523
12 Month Liquid Certificate
$0
1.60%
▼ 1.52% below Nevada avg
▼
Rate1.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average3.12%▼ 1.52% below avgNationally 2.99%
Details
Maximum amount $250,000; APY with Bonus Rate: 1.70%; Bonus rate of 0.10% APY when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Effective Date: October 01, 2026; Penalty may be charged for early withdrawal
Rate History
No change since Sep 12, 2026 · 1.60% APY · checked 6 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
980 Ambassador Dr, Reno, NV 89523
Share and IRA Certificates - 12 Months
$0
1.60%
▼ 1.52% below Nevada avg
▼
Rate1.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average3.12%▼ 1.52% below avgNationally 2.99%
Details
APY with Bonus Rate: 1.70%
Rate History
No change since Oct 12, 2026 · 1.60% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4950 Kietzke Ln, Reno, NV 89509
12 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.37% below Nevada avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▼ 2.37% below avgNationally 2.99%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4950 Kietzke Ln, Reno, NV 89509
12 Month Standard CD
$1,000
0.75%
▼ 2.37% below Nevada avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▼ 2.37% below avgNationally 2.99%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5370 Kietzke Ln, Reno, NV 89511
RampUp CD - 1-Year RampUp Plus
$25,000
0.25%
▼ 2.87% below Nevada avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▼ 2.87% below avgNationally 2.99%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
12 Month CERTIFICATES OF DEPOSIT
$0
4.58%
▲ 1.46% above Nevada avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average3.12%▲ 1.46% above avgNationally 2.99%
Details
Rate History
1 change since Sep 24, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
- Oct 7, 20264.58%▲ from 4.32%
- Sep 24, 20264.32%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.23% above Nevada avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 1.23% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
12 Month Certificate of Deposit (CD)
$0
4.30%
▲ 1.18% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 1.18% above avgNationally 2.99%
Details
Rate History
1 change since Sep 24, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 10, 20264.30%▲ from 4.00%
- Sep 24, 20264.00%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 0.98% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 0.98% above avgNationally 2.99%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
12-Month HYRC Certificate
$0
4.10%
▲ 0.98% above Nevada avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 0.98% above avgNationally 2.99%
Details
High-Yield Rewards Checking Account required
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Sep 27, 20264.10%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05%
▲ 0.93% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 0.93% above avgNationally 2.99%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.05% APY
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Level Up Certificate - 12 Months
$500
4.02%
▲ 0.90% above Nevada avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 0.90% above avgNationally 2.99%
Details
Variable Rate; 90-day interest penalty for early withdrawal; Subsequent deposits allowed only within first 7 days of account opening
Rate History
No change since Oct 14, 2026 · 4.02% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 0.88% above Nevada avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 0.88% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
Youth/Young Adult 12-Month Certificate
$0
3.90%
▲ 0.78% above Nevada avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 0.78% above avgNationally 2.99%
Details
Youth/Young Adult certificate; Balance: $250 minimum to earn dividends
Rate History
1 change since Sep 18, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
- Sep 27, 20263.90%▲ from 3.80%
- Sep 18, 20263.80%first recorded
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
12-Month Certificate
$0
3.85%
▲ 0.73% above Nevada avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 0.73% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Sep 27, 20263.85%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
IRA Certificate Accounts - 12 months
$0
3.75%
▲ 0.63% above Nevada avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average3.12%▲ 0.63% above avgNationally 2.99%
Details
Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 2 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Share Certificate - 12 Month Promo
$1,000
3.75%
▲ 0.63% above Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 0.63% above avgNationally 2.99%
Details
Balance: $1,000 and over
Rate History
No change since Oct 14, 2026 · 3.75% APY
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
12 Month Share Certificates
$0
3.60%
▲ 0.48% above Nevada avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 0.48% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
12-Month Share Certificate
$0
3.60%
▲ 0.48% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 0.48% above avgNationally 2.99%
Details
Homepage featured rate: rates as high as 3.60% APY*
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Elko Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
12 Month Term Share Certificates
$1,000
3.56%
▲ 0.44% above Nevada avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Nevada Average3.12%▲ 0.44% above avgNationally 2.99%
Details
Rate Type: Fixed
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
12 Month Business Share Certificates
$1,000
3.25%
▲ 0.13% above Nevada avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 0.13% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
12 Month Share Certificate (CD)
$1,000
3.25%
▲ 0.13% above Nevada avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 0.13% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
12 Month Traditional Certificate
$1,000
3.25%
▲ 0.13% above Nevada avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 0.13% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 Days' Dividends; IRA Certificate (Traditional, Roth or Educational)
Rate History
No change since Oct 14, 2026 · 3.25% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Business Certificate - 12 Months
$10,000
3.25%
▲ 0.13% above Nevada avg
▼
Rate3.20%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 0.13% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Certificate - 12 Months
$10,000
3.25%
▲ 0.13% above Nevada avg
▼
Rate3.20%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 0.13% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Traditional Certificate - 12 Months
$10,000
3.25%
▲ 0.13% above Nevada avg
▼
Rate3.20%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 0.13% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 Days' Dividends; IRA Certificate Plus (Traditional, Roth or Educational)
Rate History
No change since Oct 14, 2026 · 3.25% APY
Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
12 Month Share Certificates
$0
3.15%
▲ 0.03% above Nevada avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▲ 0.03% above avgNationally 2.99%
Details
Balance: $500.00 - $9,999.99
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 2 times
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
12-month Certificate
$1,000
3.00%
▼ 0.12% below Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average3.12%▼ 0.12% below avgNationally 2.99%
Details
$1,000.00 minimum to open and earn APY
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
12 Month IRA Certificates
$1,000
3.00%
▼ 0.12% below Nevada avg
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.12%▼ 0.12% below avgNationally 2.99%
Details
Traditional
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Reno 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
100 W Liberty St Ste 190, Reno, NV 89501
18-Month CD
$500
4.25%
▲ 0.95% above Nevada avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.30%▲ 0.95% above avgNationally 2.88%
Details
Balanced Growth; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited time offer
Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 2 times
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
1181 Steamboat Pkwy, Reno, NV 89521 6285
18 Month Certificate
$0
4.15%
▲ 0.85% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Nevada Average3.30%▲ 0.85% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 5, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
18 Month Share Certificate
$500
4.05%
▲ 0.75% above Nevada avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.30%▲ 0.75% above avgNationally 2.88%
Details
Minimum balance $500
Rate History
1 change since Sep 14, 2026 · 3.30% → 4.05% ▲ 0.75 pts · high 4.05% / low 3.30%
- Oct 14, 20264.05%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
IRA Share Certificate (CD) 18 Months
$0
4.05%
▲ 0.75% above Nevada avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.30%▲ 0.75% above avgNationally 2.88%
Details
Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.30% → 4.05% ▲ 0.75 pts · high 4.05% / low 3.30%
- Oct 14, 20264.05%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
IRA Share Certificate (CD) Special Distribution 18 Months
$0
4.05%
▲ 0.75% above Nevada avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.30%▲ 0.75% above avgNationally 2.88%
Details
Special distribution rates; early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 4.05% APY
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
Share Certificate (CD) 18 Months
$500
4.05%
▲ 0.75% above Nevada avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.30%▲ 0.75% above avgNationally 2.88%
Details
Non-compounding certificates available at reduced rates and APYs; early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.30% → 4.05% ▲ 0.75 pts · high 4.05% / low 3.30%
- Oct 14, 20264.05%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
394 E Moana Ln, Reno, NV 89502
18 Month IRA Term Certificate
$0
3.95%
▲ 0.65% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.30%▲ 0.65% above avgNationally 2.88%
Details
Penalty may be imposed for withdrawals prior to maturity
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
394 E Moana Ln, Reno, NV 89502
18 Month Term Certificate
$0
3.95%
▲ 0.65% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.30%▲ 0.65% above avgNationally 2.88%
Details
Penalty may be imposed for withdrawals prior to maturity.
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 3 times
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
9770 S Virginia St, Reno, NV 89511 5941
18 Month Term Share Certificate
$1,000
3.60%
▲ 0.30% above Nevada avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average3.30%▲ 0.30% above avgNationally 2.88%
Details
Minimum $1,000 Deposit
Rate History
No change since Sep 12, 2026 · 3.60% APY · checked 6 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
18 Month Certificate of Deposit [CD]
$1,000
3.45%
▲ 0.15% above Nevada avg
▼
Rate3.39%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average3.30%▲ 0.15% above avgNationally 2.88%
Details
Balance: $50,000 and up; Jumbo CD
Rate History
No change since Oct 7, 2026 · 3.45% APY · checked 2 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
18 Month Certificate of Deposit [CD]
$1,000
3.35%
▲ 0.05% above Nevada avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average3.30%▲ 0.05% above avgNationally 2.88%
Details
Balance: $1,000 to $49,999
Rate History
No change since Sep 24, 2026 · 3.35% APY · checked 6 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
18 Month CD with Step-Up Option
$1,000
3.20%
▼ 0.10% below Nevada avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average3.30%▼ 0.10% below avgNationally 2.88%
Details
Balance: $50,000 and up; Jumbo CD; IRA CDs only available for 6-month to 5-year terms
Rate History
No change since Oct 7, 2026 · 3.20% APY · checked 2 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
18 Month CD with Step-Up Option
$1,000
3.10%
▼ 0.20% below Nevada avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average3.30%▼ 0.20% below avgNationally 2.88%
Details
Balance: $1,000 to $49,999; IRA CDs only available for 6-month to 5-year terms
Rate History
No change since Sep 24, 2026 · 3.10% APY · checked 6 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5370 Kietzke Ln, Reno, NV 89511
Term CD - 18-Month Term
$1,000
2.75%
▼ 0.55% below Nevada avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.30%▼ 0.55% below avgNationally 2.88%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 2.75% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
980 Ambassador Dr, Reno, NV 89523
18 Month Certificate
$0
1.65%
▼ 1.65% below Nevada avg
▼
Rate1.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average3.30%▼ 1.65% below avgNationally 2.88%
Details
Effective Date: October 01, 2026
Rate History
1 change since Sep 12, 2026 · 1.60% → 1.65% ▲ 0.05 pts · high 1.65% / low 1.60%
- Oct 12, 20261.65%▲ from 1.60%
- Sep 12, 20261.60%first recorded
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
980 Ambassador Dr, Reno, NV 89523
Share and IRA Certificates - 18 Months
$0
1.65%
▼ 1.65% below Nevada avg
▼
Rate1.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average3.30%▼ 1.65% below avgNationally 2.88%
Details
APY with Bonus Rate: 1.75%
Rate History
No change since Oct 12, 2026 · 1.65% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4950 Kietzke Ln, Reno, NV 89509
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.55% below Nevada avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.30%▼ 2.55% below avgNationally 2.88%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4950 Kietzke Ln, Reno, NV 89509
18 Month Standard CD
$1,000
0.75%
▼ 2.55% below Nevada avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.30%▼ 2.55% below avgNationally 2.88%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
18 Month CERTIFICATES OF DEPOSIT
$0
4.73%
▲ 1.43% above Nevada avg
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average3.30%▲ 1.43% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.47% → 4.73% ▲ 0.26 pts · high 4.73% / low 4.47%
- Oct 7, 20264.73%▲ from 4.47%
- Sep 24, 20264.47%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
18 Month Certificate of Deposit (CD)
$0
4.35%
▲ 1.05% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.30%▲ 1.05% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 10, 20264.35%▲ from 4.15%
- Sep 24, 20264.15%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 0.85% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.30%▲ 0.85% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 0.80% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.30%▲ 0.80% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Certificate of Deposit - 18 Months
$500
4.07%
▲ 0.77% above Nevada avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.30%▲ 0.77% above avgNationally 2.88%
Details
Variable Rate certificate; 180-day interest penalty for early withdrawal; subsequent deposits allowed only within first 7 days of account opening
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Level Up Certificate - 18 Months
$500
4.07%
▲ 0.77% above Nevada avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.30%▲ 0.77% above avgNationally 2.88%
Details
Variable Rate; 180-day interest penalty for early withdrawal; Subsequent deposits allowed only within first 7 days of account opening
Rate History
No change since Oct 14, 2026 · 4.07% APY
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
IRA Certificate Accounts - 18 months
$0
4.00%
▲ 0.70% above Nevada avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average3.30%▲ 0.70% above avgNationally 2.88%
Details
Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80%
▲ 0.50% above Nevada avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.30%▲ 0.50% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular APY
$0
3.80%
▲ 0.50% above Nevada avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.30%▲ 0.50% above avgNationally 2.88%
Details
Regular APY; Dividend Rate 3.74%
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Rewards APY
$0
3.80%
▲ 0.50% above Nevada avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.30%▲ 0.50% above avgNationally 2.88%
Details
Rewards APY; Dividend Rate 3.74%
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
CD Specials 18-month term
$0
3.80%
▲ 0.50% above Nevada avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.30%▲ 0.50% above avgNationally 2.88%
Details
Rate History
1 change since Sep 27, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Oct 14, 20263.80%▲ from 3.65%
- Sep 27, 20263.65%first recorded
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
18-Month Certificate
$0
3.80%
▲ 0.50% above Nevada avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.30%▲ 0.50% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
- Sep 27, 20263.80%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.40% above Nevada avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average3.30%▲ 0.40% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
18-month Certificate
$1,000
3.00%
▼ 0.30% below Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average3.30%▼ 0.30% below avgNationally 2.88%
Details
$1,000.00 minimum to open and earn APY
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
18 Month IRA
$250
0.50%
▼ 2.80% below Nevada avg
▼
Rate0.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average3.30%▼ 2.80% below avgNationally 2.88%
Details
Rate History
No change since Sep 20, 2026 · 0.50% APY · checked 6 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Business 18 Month IRA
$250
0.50%
▼ 2.80% below Nevada avg
▼
Rate0.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average3.30%▼ 2.80% below avgNationally 2.88%
Details
Rate History
No change since Sep 20, 2026 · 0.50% APY · checked 5 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
18 Month CD
$500
0.30%
▼ 3.00% below Nevada avg
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average3.30%▼ 3.00% below avgNationally 2.88%
Details
Rate History
No change since Sep 20, 2026 · 0.30% APY · checked 6 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Business 18 Month CD
$500
0.30%
▼ 3.00% below Nevada avg
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average3.30%▼ 3.00% below avgNationally 2.88%
Details
Rate History
No change since Sep 20, 2026 · 0.30% APY · checked 5 times
Reno 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
1181 Steamboat Pkwy, Reno, NV 89521 6285
24 Month Certificate
$0
4.50%
▲ 1.61% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Nevada Average2.89%▲ 1.61% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 5, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
394 E Moana Ln, Reno, NV 89502
24 Month IRA Term Certificate
$0
4.25%
▲ 1.36% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▲ 1.36% above avgNationally 2.88%
Details
Penalty may be imposed for withdrawals prior to maturity
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 times
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
394 E Moana Ln, Reno, NV 89502
24 Month Term Certificate
$0
4.25%
▲ 1.36% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▲ 1.36% above avgNationally 2.88%
Details
Penalty may be imposed for withdrawals prior to maturity.
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 3 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
100 W Liberty St Ste 190, Reno, NV 89501
24-Month CD
$500
4.25%
▲ 1.36% above Nevada avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▲ 1.36% above avgNationally 2.88%
Details
Long-Term Security; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited-time offer
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- Oct 10, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
24 Month Share Certificate
$500
4.10%
▲ 1.21% above Nevada avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▲ 1.21% above avgNationally 2.88%
Details
Minimum balance $500
Rate History
1 change since Sep 14, 2026 · 3.35% → 4.10% ▲ 0.75 pts · high 4.10% / low 3.35%
- Oct 14, 20264.10%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
IRA Share Certificate (CD) 24 Months
$0
4.10%
▲ 1.21% above Nevada avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▲ 1.21% above avgNationally 2.88%
Details
Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.35% → 4.10% ▲ 0.75 pts · high 4.10% / low 3.35%
- Oct 14, 20264.10%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
IRA Share Certificate (CD) Special Distribution 24 Months
$0
4.10%
▲ 1.21% above Nevada avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▲ 1.21% above avgNationally 2.88%
Details
Special distribution rates; early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 4.10% APY
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
Share Certificate (CD) 24 Months
$500
4.10%
▲ 1.21% above Nevada avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▲ 1.21% above avgNationally 2.88%
Details
Non-compounding certificates available at reduced rates and APYs; early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.35% → 4.10% ▲ 0.75 pts · high 4.10% / low 3.35%
- Oct 14, 20264.10%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
2 Year Certificate of Deposit [CD]
$1,000
3.95%
▲ 1.06% above Nevada avg
▼
Rate3.87%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.89%▲ 1.06% above avgNationally 2.88%
Details
Balance: $50,000 and up; Jumbo CD
Rate History
No change since Oct 7, 2026 · 3.95% APY · checked 2 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
2 Year Certificate of Deposit [CD]
$1,000
3.85%
▲ 0.96% above Nevada avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.89%▲ 0.96% above avgNationally 2.88%
Details
Balance: $1,000 to $49,999
Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 6 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
CD with Step-Up Option - 2 years
$250,000
3.80%
▲ 0.91% above Nevada avg
▼
Rate3.73%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.89%▲ 0.91% above avgNationally 2.88%
Details
FDIC insured up to $50 Million
Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
2 Year CD with Step-Up Option
$1,000
3.70%
▲ 0.81% above Nevada avg
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.89%▲ 0.81% above avgNationally 2.88%
Details
Balance: $50,000 and up; Jumbo CD; IRA CDs only available for 6-month to 5-year terms
Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
2 Year CD with Step-Up Option
$1,000
3.60%
▲ 0.71% above Nevada avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.89%▲ 0.71% above avgNationally 2.88%
Details
Balance: $1,000 to $49,999; IRA CDs only available for 6-month to 5-year terms
Rate History
No change since Sep 24, 2026 · 3.60% APY · checked 6 times
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
9770 S Virginia St, Reno, NV 89511 5941
2 Year Term Share Certificate
$1,000
3.40%
▲ 0.51% above Nevada avg
▼
Rate3.36%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.89%▲ 0.51% above avgNationally 2.88%
Details
Minimum $1,000 Deposit
Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 6 times
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1296 E Plumb Ln Ste A, Reno, NV 89502 6917
2 Year CD
$0
3.04%
▲ 0.15% above Nevada avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▲ 0.15% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 7 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
980 Ambassador Dr, Reno, NV 89523
24 Month Certificate
$0
1.85%
▼ 1.04% below Nevada avg
▼
Rate1.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.89%▼ 1.04% below avgNationally 2.88%
Details
Effective Date: October 01, 2026
Rate History
1 change since Sep 12, 2026 · 1.95% → 1.85% ▼ 0.10 pts · high 1.95% / low 1.85%
- Oct 12, 20261.85%▼ from 1.95%
- Sep 12, 20261.95%first recorded
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
980 Ambassador Dr, Reno, NV 89523
Share and IRA Certificates - 24 Months
$0
1.85%
▼ 1.04% below Nevada avg
▼
Rate1.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.89%▼ 1.04% below avgNationally 2.88%
Details
APY with Bonus Rate: 1.95%
Rate History
No change since Oct 12, 2026 · 1.85% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4950 Kietzke Ln, Reno, NV 89509
24 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.14% below Nevada avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▼ 2.14% below avgNationally 2.88%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4950 Kietzke Ln, Reno, NV 89509
24 Month Standard CD
$1,000
0.75%
▼ 2.14% below Nevada avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▼ 2.14% below avgNationally 2.88%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5370 Kietzke Ln, Reno, NV 89511
Jumbo CD - 2-Year Jumbo
$100,000
0.40%
▼ 2.49% below Nevada avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▼ 2.49% below avgNationally 2.88%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5370 Kietzke Ln, Reno, NV 89511
Term CD - 2-Year Term
$1,000
0.40%
▼ 2.49% below Nevada avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▼ 2.49% below avgNationally 2.88%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5370 Kietzke Ln, Reno, NV 89511
RampUp CD - 2-Year RampUp Plus
$25,000
0.25%
▼ 2.64% below Nevada avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▼ 2.64% below avgNationally 2.88%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
24 Month CERTIFICATES OF DEPOSIT
$0
4.89%
▲ 2.00% above Nevada avg
▼
Rate4.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.89%▲ 2.00% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.63% → 4.89% ▲ 0.26 pts · high 4.89% / low 4.63%
- Oct 7, 20264.89%▲ from 4.63%
- Sep 24, 20264.63%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
24 Month Certificate of Deposit (CD)
$0
4.40%
▲ 1.51% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▲ 1.51% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
- Oct 10, 20264.40%▲ from 4.25%
- Sep 24, 20264.25%first recorded
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Certificate of Deposit - 24 Months
$500
4.13%
▲ 1.24% above Nevada avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▲ 1.24% above avgNationally 2.88%
Details
Early withdrawal penalty: 180-day interest penalty; subsequent deposits allowed only within first 7 days of account opening; variable rate (may increase one time to the rate currently in effect for the same term)
Rate History
No change since Oct 14, 2026 · 4.13% APY
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Level Up Certificate - 24 Months
$500
4.13%
▲ 1.24% above Nevada avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▲ 1.24% above avgNationally 2.88%
Details
Variable Rate; 180-day interest penalty for early withdrawal; Subsequent deposits allowed only within first 7 days of account opening
Rate History
No change since Oct 14, 2026 · 4.13% APY
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
24-Month HYRC Certificate
$0
3.90%
▲ 1.01% above Nevada avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▲ 1.01% above avgNationally 2.88%
Details
High-Yield Rewards Checking Account required
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70%
▲ 0.81% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▲ 0.81% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.70% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.66%
▲ 0.77% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▲ 0.77% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.66% APY
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
24-Month Certificate
$0
3.65%
▲ 0.76% above Nevada avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▲ 0.76% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month ESA EasyStart Certificate
$50
3.60%
▲ 0.71% above Nevada avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▲ 0.71% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
IRA Certificate Accounts - 24 months
$0
3.25%
▲ 0.36% above Nevada avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.89%▲ 0.36% above avgNationally 2.88%
Details
Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 2 times
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
24-month Certificate
$1,000
3.00%
▲ 0.11% above Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.89%▲ 0.11% above avgNationally 2.88%
Details
$1,000.00 minimum to open and earn APY
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
24 Month Impact Certificate
$0
3.00%
▲ 0.11% above Nevada avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.89%▲ 0.11% above avgNationally 2.88%
Details
24-month Impact Certificate; opened online; 2% of opening deposit donated to the organization selected (Center for Financial Empowerment or CA Wildfire Relief) over 12 months; donation forfeited on early withdrawal
Rate History
No change since Oct 12, 2026 · 3.00% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
24 Month Business Share Certificates
$1,000
3.00%
▲ 0.11% above Nevada avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▲ 0.11% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
24 Month Share Certificate (CD)
$1,000
3.00%
▲ 0.11% above Nevada avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▲ 0.11% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
24 Month Traditional Certificate
$1,000
3.00%
▲ 0.11% above Nevada avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▲ 0.11% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 Days' Dividends; IRA Certificate (Traditional, Roth or Educational)
Rate History
No change since Oct 14, 2026 · 3.00% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Business Certificate - 24 Months
$10,000
3.00%
▲ 0.11% above Nevada avg
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▲ 0.11% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Certificate - 24 Months
$10,000
3.00%
▲ 0.11% above Nevada avg
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▲ 0.11% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Traditional Certificate - 24 Months
$10,000
3.00%
▲ 0.11% above Nevada avg
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▲ 0.11% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 Days' Dividends; IRA Certificate Plus (Traditional, Roth or Educational)
Rate History
No change since Oct 14, 2026 · 3.00% APY
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
24 Month IRA Certificates
$1,000
3.00%
▲ 0.11% above Nevada avg
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▲ 0.11% above avgNationally 2.88%
Details
Traditional, Roth & Educational
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
24 Month Share Certificates
$0
3.00%
▲ 0.11% above Nevada avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▲ 0.11% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Triple Option Certificates - 24 Month
$0
3.00%
▲ 0.11% above Nevada avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▲ 0.11% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
24 Month Share Certificates
$0
2.80%
▼ 0.09% below Nevada avg
▼
Rate2.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▼ 0.09% below avgNationally 2.88%
Details
Balance: $90,000.00 - and over
Rate History
No change since Sep 18, 2026 · 2.80% APY · checked 2 times
Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
24 Month Share Certificates
$0
2.75%
▼ 0.14% below Nevada avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▼ 0.14% below avgNationally 2.88%
Details
Balance: $10,000.00 - $89,999.99
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 2 times
Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
24 Month Share Certificates
$0
2.70%
▼ 0.19% below Nevada avg
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▼ 0.19% below avgNationally 2.88%
Details
Balance: $500.00 - $9,999.99
Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 2 times
Elko Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
24 Month Term Share Certificates
$1,000
2.68%
▼ 0.21% below Nevada avg
▼
Rate2.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Nevada Average2.89%▼ 0.21% below avgNationally 2.88%
Details
Rate Type: Fixed
Rate History
No change since Sep 14, 2026 · 2.68% APY · checked 5 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
24 Month Standard CDs - Rewards
$0
2.60%
▼ 0.29% below Nevada avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▼ 0.29% below avgNationally 2.88%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.60% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
24 Month Standard IRA CDs
$0
2.60%
▼ 0.29% below Nevada avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▼ 0.29% below avgNationally 2.88%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.60% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
24 Month Standard CDs - Regular
$0
2.34%
▼ 0.55% below Nevada avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.89%▼ 0.55% below avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.34% APY
Reno 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
394 E Moana Ln, Reno, NV 89502
36 Month IRA Term Certificate
$0
4.25%
▲ 1.45% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 1.45% above avgNationally 2.81%
Details
Penalty may be imposed for withdrawals prior to maturity
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
- Oct 14, 20264.25%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
394 E Moana Ln, Reno, NV 89502
36 Month Term Certificate
$0
4.25%
▲ 1.45% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 1.45% above avgNationally 2.81%
Details
Penalty may be imposed for withdrawals prior to maturity.
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
- Oct 14, 20264.25%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
36 Month Share Certificate
$500
4.20%
▲ 1.40% above Nevada avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 1.40% above avgNationally 2.81%
Details
Minimum balance $500
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.20% ▲ 0.80 pts · high 4.20% / low 3.40%
- Oct 14, 20264.20%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
IRA Share Certificate (CD) 36 Months
$0
4.20%
▲ 1.40% above Nevada avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 1.40% above avgNationally 2.81%
Details
Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.20% ▲ 0.80 pts · high 4.20% / low 3.40%
- Oct 14, 20264.20%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
IRA Share Certificate (CD) Special Distribution 36 Months
$0
4.20%
▲ 1.40% above Nevada avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 1.40% above avgNationally 2.81%
Details
Special distribution rates; early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 4.20% APY
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
Share Certificate (CD) 36 Months
$500
4.20%
▲ 1.40% above Nevada avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 1.40% above avgNationally 2.81%
Details
Non-compounding certificates available at reduced rates and APYs; early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.20% ▲ 0.80 pts · high 4.20% / low 3.40%
- Oct 14, 20264.20%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
3 Year Certificate of Deposit [CD]
$1,000
3.35%
▲ 0.55% above Nevada avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.80%▲ 0.55% above avgNationally 2.81%
Details
Balance: $50,000 and up; Jumbo CD
Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 2 times
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
9770 S Virginia St, Reno, NV 89511 5941
3 Year Term Share Certificate
$1,000
3.35%
▲ 0.55% above Nevada avg
▼
Rate3.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.80%▲ 0.55% above avgNationally 2.81%
Details
Term: 3 year, 4 year, & 5 year; Minimum $1,000 Deposit
Rate History
No change since Sep 12, 2026 · 3.35% APY · checked 6 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
3 Year Certificate of Deposit [CD]
$1,000
3.25%
▲ 0.45% above Nevada avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.80%▲ 0.45% above avgNationally 2.81%
Details
Balance: $1,000 to $49,999
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 6 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
CD with Step-Up Option - 3 years
$250,000
3.20%
▲ 0.40% above Nevada avg
▼
Rate3.15%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.80%▲ 0.40% above avgNationally 2.81%
Details
FDIC insured up to $50 Million
Rate History
No change since Oct 7, 2026 · 3.20% APY · checked 2 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
3 Year CD with Step-Up Option
$1,000
3.10%
▲ 0.30% above Nevada avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.80%▲ 0.30% above avgNationally 2.81%
Details
Balance: $50,000 and up; Jumbo CD; IRA CDs only available for 6-month to 5-year terms
Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1296 E Plumb Ln Ste A, Reno, NV 89502 6917
3 Year CD
$0
3.04%
▲ 0.24% above Nevada avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 0.24% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 7 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
3 Year CD with Step-Up Option
$1,000
3.00%
▲ 0.20% above Nevada avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.80%▲ 0.20% above avgNationally 2.81%
Details
Balance: $1,000 to $49,999; IRA CDs only available for 6-month to 5-year terms
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 6 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
980 Ambassador Dr, Reno, NV 89523
36 Month Bump Up Certificate
$0
2.00%
▼ 0.80% below Nevada avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.80%▼ 0.80% below avgNationally 2.81%
Details
Balance: $500 - $1,000,000; Effective Date: October 01, 2026; APY with Bonus Rate: 2.10% (bonus of 0.10% APY when the Tax Reported Owner has an Ultra Checking account with an average monthly balance of at least $1.00); A penalty may be charged for early withdrawal
Rate History
No change since Sep 12, 2026 · 2.00% APY · checked 5 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
980 Ambassador Dr, Reno, NV 89523
36 Month Certificate
$0
2.00%
▼ 0.80% below Nevada avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.80%▼ 0.80% below avgNationally 2.81%
Details
Effective Date: October 01, 2026
Rate History
No change since Sep 12, 2026 · 2.00% APY · checked 2 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
980 Ambassador Dr, Reno, NV 89523
Share and IRA Certificates - 36 Months
$0
2.00%
▼ 0.80% below Nevada avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.80%▼ 0.80% below avgNationally 2.81%
Details
APY with Bonus Rate: 2.10%
Rate History
No change since Oct 12, 2026 · 2.00% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4950 Kietzke Ln, Reno, NV 89509
36 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.05% below Nevada avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▼ 2.05% below avgNationally 2.81%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4950 Kietzke Ln, Reno, NV 89509
36 Month Standard CD
$1,000
0.75%
▼ 2.05% below Nevada avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▼ 2.05% below avgNationally 2.81%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5370 Kietzke Ln, Reno, NV 89511
Jumbo CD - 3-Year Jumbo
$100,000
0.40%
▼ 2.40% below Nevada avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▼ 2.40% below avgNationally 2.81%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5370 Kietzke Ln, Reno, NV 89511
Term CD - 3-Year Term
$1,000
0.40%
▼ 2.40% below Nevada avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▼ 2.40% below avgNationally 2.81%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5370 Kietzke Ln, Reno, NV 89511
RampUp CD - 3-Year RampUp
$25,000
0.25%
▼ 2.55% below Nevada avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▼ 2.55% below avgNationally 2.81%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
36 Month CERTIFICATES OF DEPOSIT
$0
4.99%
▲ 2.19% above Nevada avg
▼
Rate4.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.80%▲ 2.19% above avgNationally 2.81%
Details
Rate History
1 change since Sep 24, 2026 · 4.73% → 4.99% ▲ 0.26 pts · high 4.99% / low 4.73%
- Oct 7, 20264.99%▲ from 4.73%
- Sep 24, 20264.73%first recorded
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Level Up Certificate - 36 Months
$500
4.18%
▲ 1.38% above Nevada avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 1.38% above avgNationally 2.81%
Details
Variable Rate; 180-day interest penalty for early withdrawal; Subsequent deposits allowed only within first 7 days of account opening
Rate History
No change since Oct 14, 2026 · 4.18% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.35% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 1.35% above avgNationally 2.81%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.30% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 1.30% above avgNationally 2.81%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
36-Month HYRC Certificate
$0
3.75%
▲ 0.95% above Nevada avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 0.95% above avgNationally 2.81%
Details
High-Yield Rewards Checking Account required
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
36-Month Certificate
$0
3.50%
▲ 0.70% above Nevada avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 0.70% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
36 Month Certificate of Deposit (CD)
$0
3.50%
▲ 0.70% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 0.70% above avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 6 times
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
36-month Certificate
$1,000
3.25%
▲ 0.45% above Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.80%▲ 0.45% above avgNationally 2.81%
Details
$1,000.00 minimum to open and earn APY
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
IRA Certificate Accounts - 36 months
$0
3.25%
▲ 0.45% above Nevada avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.80%▲ 0.45% above avgNationally 2.81%
Details
Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 2 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
36 Month Business Share Certificates
$1,000
3.00%
▲ 0.20% above Nevada avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 0.20% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
36 Month Share Certificate (CD)
$1,000
3.00%
▲ 0.20% above Nevada avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 0.20% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
36 Month Traditional Certificate
$1,000
3.00%
▲ 0.20% above Nevada avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 0.20% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days' Dividends; IRA Certificate (Traditional, Roth or Educational)
Rate History
No change since Oct 14, 2026 · 3.00% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Business Certificate - 36 Months
$10,000
3.00%
▲ 0.20% above Nevada avg
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 0.20% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Certificate - 36 Months
$10,000
3.00%
▲ 0.20% above Nevada avg
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 0.20% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Traditional Certificate - 36 Months
$10,000
3.00%
▲ 0.20% above Nevada avg
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 0.20% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days' Dividends; IRA Certificate Plus (Traditional, Roth or Educational)
Rate History
No change since Oct 14, 2026 · 3.00% APY
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
36 Month IRA Certificates
$1,000
3.00%
▲ 0.20% above Nevada avg
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 0.20% above avgNationally 2.81%
Details
Traditional, Roth & Educational
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
36 Month Share Certificates
$0
3.00%
▲ 0.20% above Nevada avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 0.20% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Triple Option Certificates - 36 Month
$0
3.00%
▲ 0.20% above Nevada avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 0.20% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
36 Month Share Certificates
$0
2.90%
▲ 0.10% above Nevada avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 0.10% above avgNationally 2.81%
Details
Balance: $90,000.00 - and over
Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 2 times
Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
36 Month Share Certificates
$0
2.85%
▲ 0.05% above Nevada avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▲ 0.05% above avgNationally 2.81%
Details
Balance: $10,000.00 - $89,999.99
Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 2 times
Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
36 Month Share Certificates
$0
2.80%
At Nevada avg
▼
Rate2.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%At the averageNationally 2.81%
Details
Balance: $500.00 - $9,999.99
Rate History
No change since Sep 18, 2026 · 2.80% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
36 Month Standard CDs - Rewards
$0
2.75%
▼ 0.05% below Nevada avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▼ 0.05% below avgNationally 2.81%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.75% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
36 Month Standard IRA CDs
$0
2.75%
▼ 0.05% below Nevada avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▼ 0.05% below avgNationally 2.81%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.75% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
36 Month Standard CDs - Regular
$0
2.49%
▼ 0.31% below Nevada avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▼ 0.31% below avgNationally 2.81%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.49% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
36 Month Standard IRA CDs
$0
2.49%
▼ 0.31% below Nevada avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▼ 0.31% below avgNationally 2.81%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.49% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard CD - 36-month term
$0
2.49%
▼ 0.31% below Nevada avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▼ 0.31% below avgNationally 2.81%
Details
Regular APY
Rate History
1 change since Sep 14, 2026 · 2.75% → 2.49% ▼ 0.26 pts · high 2.75% / low 2.49%
- Oct 14, 20262.49%▼ from 2.75%
- Sep 14, 20262.75%first recorded
Elko Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
36 Month Term Share Certificates
$1,000
2.02%
▼ 0.78% below Nevada avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Nevada Average2.80%▼ 0.78% below avgNationally 2.81%
Details
Rate Type: Fixed
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
IRA Certificate - 36 Month
$100,000
0.70%
▼ 2.10% below Nevada avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▼ 2.10% below avgNationally 2.81%
Details
Minimum Deposit: $100,000; Withdrawal made when account has not matured equals 90-180 days of dividends
Rate History
No change since Sep 30, 2026 · 0.70% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
IRA Certificates - 36 Months
$0
0.70%
▼ 2.10% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.80%▼ 2.10% below avgNationally 2.81%
Details
Balance: $100,000
Rate History
No change since Sep 30, 2026 · 0.70% APY · checked 5 times
Reno 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
394 E Moana Ln, Reno, NV 89502
48 Month IRA Term Certificate
$0
4.25%
▲ 1.47% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▲ 1.47% above avgNationally 2.80%
Details
Penalty may be imposed for withdrawals prior to maturity
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
- Oct 14, 20264.25%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
394 E Moana Ln, Reno, NV 89502
48 Month Term Certificate
$0
4.25%
▲ 1.47% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▲ 1.47% above avgNationally 2.80%
Details
Penalty may be imposed for withdrawals prior to maturity.
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
- Oct 14, 20264.25%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
48 Month Share Certificate
$500
4.25%
▲ 1.47% above Nevada avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▲ 1.47% above avgNationally 2.80%
Details
Minimum balance $500
Rate History
1 change since Sep 14, 2026 · 3.45% → 4.25% ▲ 0.80 pts · high 4.25% / low 3.45%
- Oct 14, 20264.25%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
IRA Share Certificate (CD) 48 Months
$0
4.25%
▲ 1.47% above Nevada avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▲ 1.47% above avgNationally 2.80%
Details
Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.45% → 4.25% ▲ 0.80 pts · high 4.25% / low 3.45%
- Oct 14, 20264.25%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
IRA Share Certificate (CD) Special Distribution 48 Months
$0
4.25%
▲ 1.47% above Nevada avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▲ 1.47% above avgNationally 2.80%
Details
Special distribution rates; early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 4.25% APY
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
Share Certificate (CD) 48 Months
$500
4.25%
▲ 1.47% above Nevada avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▲ 1.47% above avgNationally 2.80%
Details
Non-compounding certificates available at reduced rates and APYs; early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.45% → 4.25% ▲ 0.80 pts · high 4.25% / low 3.45%
- Oct 14, 20264.25%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
4 Year Certificate of Deposit [CD]
$1,000
3.35%
▲ 0.57% above Nevada avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.78%▲ 0.57% above avgNationally 2.80%
Details
Balance: $50,000 and up; Jumbo CD
Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 2 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
4 Year Certificate of Deposit [CD]
$1,000
3.25%
▲ 0.47% above Nevada avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.78%▲ 0.47% above avgNationally 2.80%
Details
Balance: $1,000 to $49,999
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 6 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
4 Year CD with Step-Up Option
$1,000
3.10%
▲ 0.32% above Nevada avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.78%▲ 0.32% above avgNationally 2.80%
Details
Balance: $50,000 and up; Jumbo CD; IRA CDs only available for 6-month to 5-year terms
Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1296 E Plumb Ln Ste A, Reno, NV 89502 6917
4 Year CD
$0
3.04%
▲ 0.26% above Nevada avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▲ 0.26% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 7 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
4 Year CD with Step-Up Option
$1,000
3.00%
▲ 0.22% above Nevada avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.78%▲ 0.22% above avgNationally 2.80%
Details
Balance: $1,000 to $49,999; IRA CDs only available for 6-month to 5-year terms
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 6 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
980 Ambassador Dr, Reno, NV 89523
48 Month Certificate
$0
2.05%
▼ 0.73% below Nevada avg
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.78%▼ 0.73% below avgNationally 2.80%
Details
Effective Date: October 01, 2026
Rate History
No change since Sep 12, 2026 · 2.05% APY · checked 2 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
980 Ambassador Dr, Reno, NV 89523
Share and IRA Certificates - 48 Months
$0
2.05%
▼ 0.73% below Nevada avg
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.78%▼ 0.73% below avgNationally 2.80%
Details
APY with Bonus Rate: 2.15%
Rate History
No change since Oct 12, 2026 · 2.05% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4950 Kietzke Ln, Reno, NV 89509
48 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.03% below Nevada avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▼ 2.03% below avgNationally 2.80%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4950 Kietzke Ln, Reno, NV 89509
48 Month Standard CD
$1,000
0.75%
▼ 2.03% below Nevada avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▼ 2.03% below avgNationally 2.80%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5370 Kietzke Ln, Reno, NV 89511
Jumbo CD - 4-Year Jumbo
$100,000
0.50%
▼ 2.28% below Nevada avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▼ 2.28% below avgNationally 2.80%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5370 Kietzke Ln, Reno, NV 89511
Term CD - 4-Year Term
$1,000
0.50%
▼ 2.28% below Nevada avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▼ 2.28% below avgNationally 2.80%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5370 Kietzke Ln, Reno, NV 89511
RampUp CD - 4-Year RampUp
$50,000
0.25%
▼ 2.53% below Nevada avg
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▼ 2.53% below avgNationally 2.80%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
48 Month CERTIFICATES OF DEPOSIT
$0
5.10%
▲ 2.32% above Nevada avg
▼
Rate5.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.78%▲ 2.32% above avgNationally 2.80%
Details
Rate History
1 change since Sep 24, 2026 · 4.84% → 5.10% ▲ 0.26 pts · high 5.10% / low 4.84%
- Oct 7, 20265.10%▲ from 4.84%
- Sep 24, 20264.84%first recorded
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Level Up Certificate - 48 Months
$500
4.23%
▲ 1.45% above Nevada avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▲ 1.45% above avgNationally 2.80%
Details
Variable Rate; 180-day interest penalty for early withdrawal; Subsequent deposits allowed only within first 7 days of account opening
Rate History
No change since Oct 14, 2026 · 4.23% APY
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Level Up Certificates and IRA Certificates - 48 Months
$500
4.23%
▲ 1.45% above Nevada avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▲ 1.45% above avgNationally 2.80%
Details
Variable Rate certificate; 180-day interest penalty for early withdrawal; subsequent deposits allowed only within first 7 days of account opening
Rate History
No change since Oct 10, 2026 · 4.23% APY · checked 2 times
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
IRA Certificate Accounts - 48 months
$0
4.00%
▲ 1.22% above Nevada avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.78%▲ 1.22% above avgNationally 2.80%
Details
Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 2 times
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
48-month Certificate
$1,000
3.25%
▲ 0.47% above Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.78%▲ 0.47% above avgNationally 2.80%
Details
$1,000.00 minimum to open and earn APY
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
48-Month Certificate
$0
3.25%
▲ 0.47% above Nevada avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▲ 0.47% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
48 Month Standard CDs - Rewards
$0
2.90%
▲ 0.12% above Nevada avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▲ 0.12% above avgNationally 2.80%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.90% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
48 Month Standard IRA CDs
$0
2.90%
▲ 0.12% above Nevada avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▲ 0.12% above avgNationally 2.80%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.90% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
48 Month Business Share Certificates
$1,000
2.75%
▼ 0.03% below Nevada avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▼ 0.03% below avgNationally 2.80%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
48 Month Share Certificate (CD)
$1,000
2.75%
▼ 0.03% below Nevada avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▼ 0.03% below avgNationally 2.80%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 6 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
48 Month Traditional Certificate
$1,000
2.75%
▼ 0.03% below Nevada avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▼ 0.03% below avgNationally 2.80%
Details
Early Withdrawal Penalty: 270 Days' Dividends; IRA Certificate (Traditional, Roth or Educational)
Rate History
No change since Oct 14, 2026 · 2.75% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Business Certificate - 48 Months
$10,000
2.75%
▼ 0.03% below Nevada avg
▼
Rate2.71%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▼ 0.03% below avgNationally 2.80%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Certificate - 48 Months
$10,000
2.75%
▼ 0.03% below Nevada avg
▼
Rate2.71%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▼ 0.03% below avgNationally 2.80%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Traditional Certificate - 48 Months
$10,000
2.75%
▼ 0.03% below Nevada avg
▼
Rate2.71%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▼ 0.03% below avgNationally 2.80%
Details
Early Withdrawal Penalty: 270 Days' Dividends; IRA Certificate Plus (Traditional, Roth or Educational)
Rate History
No change since Oct 14, 2026 · 2.75% APY
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
48 Month Certificate of Deposit (CD)
$0
2.75%
▼ 0.03% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▼ 0.03% below avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 6 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
48 Month Standard CDs - Regular
$0
2.64%
▼ 0.14% below Nevada avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▼ 0.14% below avgNationally 2.80%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.64% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
48 Month Standard IRA CDs
$0
2.64%
▼ 0.14% below Nevada avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▼ 0.14% below avgNationally 2.80%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.64% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard CD - 48-month term
$0
2.64%
▼ 0.14% below Nevada avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▼ 0.14% below avgNationally 2.80%
Details
Regular APY
Rate History
1 change since Sep 14, 2026 · 2.90% → 2.64% ▼ 0.26 pts · high 2.90% / low 2.64%
- Oct 14, 20262.64%▼ from 2.90%
- Sep 14, 20262.90%first recorded
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
48 Month IRA Certificates
$1,000
2.25%
▼ 0.53% below Nevada avg
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▼ 0.53% below avgNationally 2.80%
Details
Traditional, Roth & Educational
Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 5 times
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
48 Month Share Certificates
$0
2.25%
▼ 0.53% below Nevada avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▼ 0.53% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Triple Option Certificates - 48 Month
$0
2.25%
▼ 0.53% below Nevada avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▼ 0.53% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
IRA Certificate - 48 Month
$100,000
1.05%
▼ 1.73% below Nevada avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▼ 1.73% below avgNationally 2.80%
Details
Minimum Deposit: $100,000; Withdrawal made when account has not matured equals 90-180 days of dividends
Rate History
No change since Sep 30, 2026 · 1.05% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
IRA Certificates - 48 Months
$0
1.05%
▼ 1.73% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▼ 1.73% below avgNationally 2.80%
Details
Balance: $100,000
Rate History
No change since Sep 30, 2026 · 1.05% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
IRA Certificate - 48 Month
$1,000
1.00%
▼ 1.78% below Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▼ 1.78% below avgNationally 2.80%
Details
Minimum Deposit: $1,000; Withdrawal made when account has not matured equals 90-180 days of dividends
Rate History
No change since Sep 30, 2026 · 1.00% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
IRA Certificates - 48 Months
$0
1.00%
▼ 1.78% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▼ 1.78% below avgNationally 2.80%
Details
Balance: $1,000 - $99,999
Rate History
No change since Sep 30, 2026 · 1.00% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Share Certificate - 48 Month
$100,000
1.00%
▼ 1.78% below Nevada avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▼ 1.78% below avgNationally 2.80%
Details
Balance: $100,000 and over
Rate History
No change since Sep 30, 2026 · 1.00% APY · checked 2 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Share Certificate - 48 Month
$1,000
0.95%
▼ 1.83% below Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.78%▼ 1.83% below avgNationally 2.80%
Details
Balance: $1,000 - $99,999
Rate History
No change since Sep 30, 2026 · 0.95% APY · checked 2 times
Reno 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
394 E Moana Ln, Reno, NV 89502
60 Month IRA Term Certificate
$0
4.55%
▲ 1.57% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▲ 1.57% above avgNationally 2.91%
Details
Penalty may be imposed for withdrawals prior to maturity
Rate History
No change since Sep 14, 2026 · 4.55% APY · checked 6 times
Weststar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
394 E Moana Ln, Reno, NV 89502
60 Month Term Certificate
$0
4.55%
▲ 1.57% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▲ 1.57% above avgNationally 2.91%
Details
Penalty may be imposed for withdrawals prior to maturity.
Rate History
No change since Sep 14, 2026 · 4.55% APY · checked 3 times
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
1181 Steamboat Pkwy, Reno, NV 89521 6285
60 Month Certificate
$0
4.50%
▲ 1.52% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Nevada Average2.98%▲ 1.52% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 5, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
60 Month Share Certificate
$500
4.30%
▲ 1.32% above Nevada avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▲ 1.32% above avgNationally 2.91%
Details
Minimum balance $500
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.30% ▲ 0.80 pts · high 4.30% / low 3.50%
- Oct 14, 20264.30%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
IRA Share Certificate (CD) 60 Months
$0
4.30%
▲ 1.32% above Nevada avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▲ 1.32% above avgNationally 2.91%
Details
Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.30% ▲ 0.80 pts · high 4.30% / low 3.50%
- Oct 14, 20264.30%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
IRA Share Certificate (CD) Special Distribution 60 Months
$0
4.30%
▲ 1.32% above Nevada avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▲ 1.32% above avgNationally 2.91%
Details
Special distribution rates; early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 4.30% APY
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 55.97%
6745 Sierra Center Pkwy, Reno, NV 89511
Share Certificate (CD) 60 Months
$500
4.30%
▲ 1.32% above Nevada avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▲ 1.32% above avgNationally 2.91%
Details
Non-compounding certificates available at reduced rates and APYs; early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.30% ▲ 0.80 pts · high 4.30% / low 3.50%
- Oct 14, 20264.30%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
5 Year Certificate of Deposit [CD]
$1,000
3.35%
▲ 0.37% above Nevada avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.98%▲ 0.37% above avgNationally 2.91%
Details
Balance: $50,000 and up; Jumbo CD
Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 2 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
5 Year Certificate of Deposit [CD]
$1,000
3.25%
▲ 0.27% above Nevada avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.98%▲ 0.27% above avgNationally 2.91%
Details
Balance: $1,000 to $49,999
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 6 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
5 Year CD with Step-Up Option
$1,000
3.10%
▲ 0.12% above Nevada avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.98%▲ 0.12% above avgNationally 2.91%
Details
Balance: $50,000 and up; Jumbo CD; IRA CDs only available for 6-month to 5-year terms
Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10345 Professional Cir, Reno, NV 89521
5 Year CD with Step-Up Option
$1,000
3.00%
▲ 0.02% above Nevada avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.98%▲ 0.02% above avgNationally 2.91%
Details
Balance: $1,000 to $49,999; IRA CDs only available for 6-month to 5-year terms
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 6 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
980 Ambassador Dr, Reno, NV 89523
60 Month Certificate
$0
2.10%
▼ 0.88% below Nevada avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.98%▼ 0.88% below avgNationally 2.91%
Details
Effective Date: October 01, 2026
Rate History
No change since Sep 12, 2026 · 2.10% APY · checked 2 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
980 Ambassador Dr, Reno, NV 89523
Share and IRA Certificates - 60 Months
$0
2.10%
▼ 0.88% below Nevada avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.98%▼ 0.88% below avgNationally 2.91%
Details
APY with Bonus Rate: 2.20%
Rate History
No change since Oct 12, 2026 · 2.10% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4950 Kietzke Ln, Reno, NV 89509
60 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.23% below Nevada avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▼ 2.23% below avgNationally 2.91%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4950 Kietzke Ln, Reno, NV 89509
60 Month Standard CD
$1,000
0.75%
▼ 2.23% below Nevada avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▼ 2.23% below avgNationally 2.91%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5370 Kietzke Ln, Reno, NV 89511
Jumbo CD - 5-Year Jumbo
$100,000
0.50%
▼ 2.48% below Nevada avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▼ 2.48% below avgNationally 2.91%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5370 Kietzke Ln, Reno, NV 89511
Term CD - 5-Year Term
$1,000
0.50%
▼ 2.48% below Nevada avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▼ 2.48% below avgNationally 2.91%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.50% APY
Toyota Financial Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
60 Month CERTIFICATES OF DEPOSIT
$0
5.15%
▲ 2.17% above Nevada avg
▼
Rate5.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Nevada Average2.98%▲ 2.17% above avgNationally 2.91%
Details
Rate History
1 change since Sep 24, 2026 · 4.89% → 5.15% ▲ 0.26 pts · high 5.15% / low 4.89%
- Oct 7, 20265.15%▲ from 4.89%
- Sep 24, 20264.89%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Certificate Account
$500
4.50%
▲ 1.52% above Nevada avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Nevada Average2.98%▲ 1.52% above avgNationally 2.91%
Details
Dividends credited monthly; early-withdrawal penalties may apply
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Oct 5, 20264.50%▲ from 4.15%
- Sep 14, 20264.15%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
Regular Certificate - 60 Months
$500
4.50%
▲ 1.52% above Nevada avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Nevada Average2.98%▲ 1.52% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 5, 20264.50%▲ from 4.30%
- Sep 14, 20264.30%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Bump-Rate Certificate
$500
4.35%
▲ 1.37% above Nevada avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Nevada Average2.98%▲ 1.37% above avgNationally 2.91%
Details
Bump-rate certificate; can increase rate once during term; dividends credited monthly; early-withdrawal penalties may apply; additional deposits up to $10,000 per calendar month
Rate History
1 change since Sep 21, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 5, 20264.35%▲ from 4.15%
- Sep 21, 20264.15%first recorded
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Certificate of Deposit - 60 Months
$500
4.28%
▲ 1.30% above Nevada avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▲ 1.30% above avgNationally 2.91%
Details
Variable Rate certificate; 180-day interest penalty for early withdrawal; subsequent deposits allowed only within first 7 days of account opening
Rate History
No change since Sep 22, 2026 · 4.28% APY · checked 4 times
Create Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Level Up Certificate - 60 Months
$500
4.28%
▲ 1.30% above Nevada avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▲ 1.30% above avgNationally 2.91%
Details
Variable Rate; 180-day interest penalty for early withdrawal; Subsequent deposits allowed only within first 7 days of account opening
Rate History
No change since Oct 14, 2026 · 4.28% APY
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
IRA Certificate Accounts - 60 months
$0
4.25%
▲ 1.27% above Nevada avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.98%▲ 1.27% above avgNationally 2.91%
Details
Rate History
No change since Sep 12, 2026 · 4.25% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.90%
▲ 0.92% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▲ 0.92% above avgNationally 2.91%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
Silver State Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
60 Month Traditional, Roth, & Education IRA Certificates
$500
3.87%
▲ 0.89% above Nevada avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▲ 0.89% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 180 days of dividends (terms greater than 12 months)
Rate History
No change since Sep 18, 2026 · 3.87% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.85%
▲ 0.87% above Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▲ 0.87% above avgNationally 2.91%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
Silver State Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
60 Month Jumbo Certificates
$100,000
3.77%
▲ 0.79% above Nevada avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▲ 0.79% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.77% APY · checked 6 times
Silver State Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
60 Month Regular Certificates
$500
3.77%
▲ 0.79% above Nevada avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▲ 0.79% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.77% APY · checked 6 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
60-Month HYRC Certificate
$0
3.50%
▲ 0.52% above Nevada avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▲ 0.52% above avgNationally 2.91%
Details
High-Yield Rewards Checking Account required
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
60-month Certificate
$1,000
3.25%
▲ 0.27% above Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Nevada Average2.98%▲ 0.27% above avgNationally 2.91%
Details
$1,000.00 minimum to open and earn APY
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
60-Month Certificate
$0
3.25%
▲ 0.27% above Nevada avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▲ 0.27% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
60 Month Standard CDs - Rewards
$0
3.10%
▲ 0.12% above Nevada avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▲ 0.12% above avgNationally 2.91%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 3.10% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
60 Month Standard IRA CDs
$0
3.10%
▲ 0.12% above Nevada avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▲ 0.12% above avgNationally 2.91%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 3.10% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
60 Month Standard CDs - Regular
$0
2.84%
▼ 0.14% below Nevada avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▼ 0.14% below avgNationally 2.91%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.84% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
60 Month Standard IRA CDs
$0
2.84%
▼ 0.14% below Nevada avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▼ 0.14% below avgNationally 2.91%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.84% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard CD - 60-month term
$0
2.84%
▼ 0.14% below Nevada avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▼ 0.14% below avgNationally 2.91%
Details
Regular APY
Rate History
1 change since Sep 14, 2026 · 3.10% → 2.84% ▼ 0.26 pts · high 3.10% / low 2.84%
- Oct 14, 20262.84%▼ from 3.10%
- Sep 14, 20263.10%first recorded
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
60 Month Business Share Certificates
$1,000
2.75%
▼ 0.23% below Nevada avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▼ 0.23% below avgNationally 2.91%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
60 Month Share Certificate (CD)
$1,000
2.75%
▼ 0.23% below Nevada avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▼ 0.23% below avgNationally 2.91%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 6 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
60 Month Traditional Certificate
$1,000
2.75%
▼ 0.23% below Nevada avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▼ 0.23% below avgNationally 2.91%
Details
Early Withdrawal Penalty: 270 Days' Dividends; IRA Certificate (Traditional, Roth or Educational)
Rate History
No change since Oct 14, 2026 · 2.75% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Business Certificate - 60 Months
$10,000
2.75%
▼ 0.23% below Nevada avg
▼
Rate2.71%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▼ 0.23% below avgNationally 2.91%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Certificate - 60 Months
$10,000
2.75%
▼ 0.23% below Nevada avg
▼
Rate2.71%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▼ 0.23% below avgNationally 2.91%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Traditional Certificate - 60 Months
$10,000
2.75%
▼ 0.23% below Nevada avg
▼
Rate2.71%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▼ 0.23% below avgNationally 2.91%
Details
Early Withdrawal Penalty: 270 Days' Dividends; IRA Certificate Plus (Traditional, Roth or Educational)
Rate History
No change since Oct 14, 2026 · 2.75% APY
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
60 Month Certificate of Deposit (CD)
$0
2.75%
▼ 0.23% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▼ 0.23% below avgNationally 2.91%
Details
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 6 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
IRA Certificate - 60 Month
$100,000
1.40%
▼ 1.58% below Nevada avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▼ 1.58% below avgNationally 2.91%
Details
Minimum Deposit: $100,000; Withdrawal made when account has not matured equals 90-180 days of dividends
Rate History
No change since Sep 30, 2026 · 1.40% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
IRA Certificates - 60 Months
$0
1.40%
▼ 1.58% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▼ 1.58% below avgNationally 2.91%
Details
Balance: $100,000
Rate History
No change since Sep 30, 2026 · 1.40% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
IRA Certificate - 60 Month
$1,000
1.35%
▼ 1.63% below Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▼ 1.63% below avgNationally 2.91%
Details
Minimum Deposit: $1,000; Withdrawal made when account has not matured equals 90-180 days of dividends
Rate History
No change since Sep 30, 2026 · 1.35% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
IRA Certificates - 60 Months
$0
1.35%
▼ 1.63% below Nevada avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▼ 1.63% below avgNationally 2.91%
Details
Balance: $1,000 - $99,999
Rate History
No change since Sep 30, 2026 · 1.35% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Share Certificate - 60 Month
$100,000
1.35%
▼ 1.63% below Nevada avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▼ 1.63% below avgNationally 2.91%
Details
Balance: $100,000 and over
Rate History
No change since Sep 30, 2026 · 1.35% APY · checked 2 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Share Certificate - 60 Month
$1,000
1.30%
▼ 1.68% below Nevada avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Nevada Average2.98%▼ 1.68% below avgNationally 2.91%
Details
Balance: $1,000 - $99,999
Rate History
No change since Sep 30, 2026 · 1.30% APY · checked 2 times
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Reno, NV CD Rate Trends
Compare local Reno, NV CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD NV Avg
3.123%
▲ 0.020 vs 7 days ago
Nevada 12-month CD rates rose 0.020 points over the past 7 days to 3.123% APY.
6-Month CD NV Avg
2.805%
▲ 0.018 vs 7 days ago
Nevada 6-month CD rates rose 0.018 points over the past 7 days to 2.805% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates
NV CD Rate Forecast, Next 12 Months
Where are Nevada CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NV 12-Month Avg APY
3.123%
6-Month Forecast
3.123%
Range: 2.92%, 3.27%
12-Month Forecast
3.373%
Range: 3.17%, 3.52%
Powered by
MonitorBankRates
What Your Savings Earn at NV CD Rates Today
Annual interest earnings at today’s Nevada average APYs. State average used where available; national average as fallback.
| CD Term | NV Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.365% | $118.23 | $236.45 | $591.13 | $1,182.25 |
| 6-Month CD | 2.805% | $140.24 | $280.48 | $701.20 | $1,402.40 |
| 12-Month CD | 3.123% | $156.15 | $312.29 | $780.73 | $1,561.45 |
| 18-Month CD | 3.299% | $164.97 | $329.93 | $824.83 | $1,649.65 |
| 24-Month CD | 2.891% | $144.57 | $289.13 | $722.83 | $1,445.65 |
| 36-Month CD | 2.803% | $140.17 | $280.33 | $700.83 | $1,401.65 |
| 48-Month CD | 2.784% | $139.19 | $278.38 | $695.95 | $1,391.90 |
| 60-Month CD | 2.980% | $149.02 | $298.03 | $745.08 | $1,490.15 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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Sample CD Ladder for Reno, Nevada Savers
$25,000 split equally across 5 terms using today’s Nevada average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NV Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.365% | $118.23 |
| 2 | 6-Month CD | $5,000 | 2.805% | $140.24 |
| 3 | 12-Month CD | $5,000 | 3.123% | $156.15 |
| 4 | 24-Month CD | $5,000 | 2.891% | $144.57 |
| 5 | 36-Month CD | $5,000 | 2.803% | $140.17 |
| Total ($25,000 invested) | $25,000 | 2.797% blended | $699.36/yr | |
Ladder example uses equal $5,000 rungs and Nevada average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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417
CD Rates
Tracked in Reno, Nevada
Tracked in Reno, Nevada
8 Banks
20 Credit Unions
About Our Reno, Nevada CD Rate Database
MonitorBankRates tracks 417 CD rates from 8 banks and 20 credit unions with locations in Reno, Nevada, plus national online institutions available to Nevada 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: Weststar Credit Union offers a CD at 4.55% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Reno, Nevada.
How to Find the Best CD Rates in Reno, Nevada
What to compare when shopping for a CD in Reno, Nevada
To find the best APYs in Reno, Nevada, start with credit unions and online-only banks: Reno, Nevada has 20 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Reno, Nevada
- 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 Reno, Nevada: 28 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Reno, Nevada savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Reno, Nevada money market rates
Reno, Nevada Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
16.8%
National avg: 17.3%
Median Individual Earnings
$42,625
National avg: $47,340
Poverty Rate
12.6%
National avg: 11.1%
Unemployment Rate
5.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$133/yr
At NV 12-mo avg 3.123% APY
16.8% of residents are 65 or older, below the national average of 17.3%. At today’s NV 12-month CD average of 3.123%, saving 10% of the local median salary ($4,262/year) and putting it in a CD would earn an additional $133 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 Reno, Nevada
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 Reno, Nevada
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 Reno, Nevada 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 Reno, Nevada as everywhere in the U.S.
Choosing a CD Term in Reno, Nevada
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Reno, Nevada savers easier access to their funds. For example, Flagstar Bank, National Association is offering its 6-Month Business CD at 4.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Weststar Credit Union is offering its 60 Month IRA Term Certificate at 4.55% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Reno, Nevada 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 Reno, Nevada 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 Reno, Nevada
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 Reno, Nevada 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 Reno, Nevada
Most CDs carry a fixed rate that is locked for the entire term, protecting a Reno, Nevada 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 Reno, Nevada
Are CD rates in Reno, Nevada FDIC insured?
Yes, most established banks in Reno, Nevada 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 Reno, Nevada?
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 Reno, Nevada.
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 Reno, Nevada 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 Reno, Nevada?
Here are recent top rates found for this area:
- Weststar Credit Union: 4.55% APY (60 Month IRA Term Certificate)
- Mountain America Federal Credit Union: 4.50% APY (24 Month Certificate)
- Greater Nevada Credit Union: 4.30% APY (60 Month Share Certificate)
- Flagstar Bank, National Association: 4.30% APY (12 Month Business CD)
- Farm Bureau Bank FSB: 4.15% APY (1 Year FB-Org Certificate of Deposit [CD])
- CIT Bank: 4.00% APY (Term CD - 1-Year Term)
- Great Basin Federal Credit Union: 3.60% APY (18 Month Term Share Certificate)
- One Nevada Credit Union: 3.30% APY (1 Year CD)
- United Federal Credit Union: 2.10% APY (60 Month Certificate)
- BMO Bank National Association: 0.75% APY (12 Month IRA Certificate of Deposit)
Rates reflect recent verified offers available in Reno, Nevada. Last Updated: October 14, 2026
Reno, Nevada 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 Reno, Nevada rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Reno, Nevada
Reno, Nevada CD Calculator
At today’s NV top rate of 4.55% APY, a $10,000 deposit earns $455 in the first year. Enter your amount to see your exact return.
Reno, Nevada CD LadderNV CD rates currently range from 2.365% (3-month) to 2.803% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Reno, Nevada CD at 4.55% 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 SavingsNevada’s average 12-month CD is 3.123% 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 Reno, Nevada 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 Reno, Nevada 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 Reno, Nevada. 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 NV.
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 14, 2026
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