CD Rates Smith, Nevada (NV) for April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Smith, Nevada CD rates include InTouch Credit UnionInTouch Credit UnionA5.0 ★Texas Ratio: 10.50%Real return: +1.10%APY minus CPI (February 2026) offering 6-Month HYRC Certificate at 3.90% APY, Clark County Credit UnionClark County Credit UnionA+5.0 ★Texas Ratio: 2.63%Real return: +1.02%APY minus CPI (February 2026) offering 3-month cd at 3.82% APY, Royal Business BankRoyal Business BankA5.0 ★Texas Ratio: 6.64%Real return: +0.95%APY minus CPI (February 2026) offering 6-Month CD at 3.75% APY, Aloha Pacific Federal Credit UnionAloha Pacific Federal Credit UnionA+5.0 ★Texas Ratio: 3.29%Real return: +0.95%APY minus CPI (February 2026) offering Business 12-Month Certificate at 3.75% APY, and UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit UnionB4.4 ★Texas Ratio: 21.76%Real return: +0.89%APY minus CPI (February 2026) offering IRA Certificate Term 18-Month Variable at 3.69% APY. CD rates as of April 20, 2026 according to verified data from MonitorBankRates.
Smith is a smaller community with no bank or credit union branches currently in our database. 63 institutions serving the Nevada area are available to Smith residents, with CD rates as high as 3.90% APY from InTouch Credit Union. Rates are continually updated — 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: April 20, 2026
Compare Best CD Rates in Smith, Nevada & the Surrounding Area
Qualifications Required
Annual Percentage Yield (APY). The interest rate and APY are effective as of April 16, 2026 and are subject to change. A penalty may be imposed for early withdrawal. Withdrawal penalties are as follows. For a 3-month term, the penalty is 30 days' interest. For a 6-month term, the penalty is 3 months' interest. For a term from 7-12 months, the penalty is 6 months' interest. For a term of 13 or more months, the penalty is 12 months' interest. Fees could reduce earnings on the account. Additional restrictions may apply.
Early withdrawal penalties may apply
Qualifications Required
$1,000 minimum & early withdrawal penalty may be imposed.
Annual Percentage Yield (APY). The interest rate and APY are effective as of April 16, 2026 and are subject to change. A penalty may be imposed for early withdrawal. Withdrawal penalties are as follows. For a 3-month term, the penalty is 30 days' interest. For a 6-month term, the penalty is 3 months' interest. For a term from 7-12 months, the penalty is 6 months' interest. For a term of 13 or more months, the penalty is 12 months' interest. Fees could reduce earnings on the account. Additional restrictions may apply.
Early withdrawal penalties may apply
Qualifications Required
$1,000 minimum & early withdrawal penalty may be imposed.
$100,000 Minimum to Earn APY
Traditional
Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.
Early withdrawal penalties may apply
Qualifying balance up to $49,000.00
$100,000 Minimum to Earn APY
$1,000 minimum & early withdrawal penalty may be imposed.
Qualifications Required
$100,000 Minimum to Earn APY
Traditional, Roth & Educational
$1,000 minimum & early withdrawal penalty may be imposed.
Qualifications Required
$100,000 Minimum to Earn APY
$1,000 minimum & early withdrawal penalty may be imposed.
APY with Bonus Rate: 2.10%
$100,000 Minimum to Earn APY
$1,000 minimum & early withdrawal penalty may be imposed.
Traditional, Roth & Educational
Qualifications Required
$1,000 minimum & early withdrawal penalty may be imposed.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Smith, NV CD Rate Trends
Compare local Smith, 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.
Nevada 12-month CD rates fell 0.035 points over the past 7 days to 1.952% APY.
Nevada 6-month CD rates fell 0.225 points over the past 7 days to 0.941% APY.
NV CD Rate Forecast — Next 12 Months
Where are Nevada CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 1.254% | $62.72 | $125.44 | $313.60 | $627.20 |
| 6-Month CD | 0.941% | $47.04 | $94.07 | $235.18 | $470.35 |
| 12-Month CD | 1.952% | $97.59 | $195.18 | $487.95 | $975.90 |
| 18-Month CD | 2.683% | $134.13 | $268.25 | $670.63 | $1,341.25 |
| 24-Month CD | 2.619% | $130.95 | $261.89 | $654.73 | $1,309.45 |
| 36-Month CD | 3.091% | $154.54 | $309.08 | $772.70 | $1,545.40 |
| 48-Month CD | 3.311% | $165.57 | $331.14 | $827.85 | $1,655.70 |
| 60-Month CD | 3.234% | $161.72 | $323.44 | $808.60 | $1,617.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 20, 2026. | |||||
Sample CD Ladder for Smith, 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 | 1.254% | $62.72 |
| 2 | 6-Month CD | $5,000 | 0.941% | $47.04 |
| 3 | 12-Month CD | $5,000 | 1.952% | $97.59 |
| 4 | 24-Month CD | $5,000 | 2.619% | $130.95 |
| 5 | 36-Month CD | $5,000 | 3.091% | $154.54 |
| Total ($25,000 invested) | $25,000 | 1.971% blended | $492.84/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.
in Smith, Nevada
About Our Smith, Nevada CD Rate Database
MonitorBankRates tracks CD rates from 7 banks and 8 credit unions with locations in Smith, 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 (1–5), 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: InTouch Credit Union offers a CD at 3.90% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Smith, Nevada.
How to Find the Best CD Rates in Smith, Nevada
What to compare when shopping for a CD in Smith, Nevada
To find the best APYs in Smith, Nevada, start with credit unions and online-only banks — Smith, Nevada has 8 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 Smith, 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 Smith, Nevada — 15 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Smith, Nevada savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Smith, Nevada money market rates
Nevada Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
17.0% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 6.9% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s NV 12-month CD average of 1.952%, saving 10% of the local median salary ($4,301/year) and putting it in a CD would earn an additional $84 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 Smith, 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 (90–180 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 |
Frequently Asked Questions about CD Rates in Smith, Nevada
Are CD rates in Smith, Nevada FDIC insured?
Do I have to pay state taxes on CD interest in Smith, Nevada?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Smith, Nevada?
- InTouch Credit Union: 3.90% APY (3-Month HYRC Certificate)
- Clark County Credit Union: 3.82% APY (3-month cd)
- Royal Business Bank: 3.75% APY (6-Month CD)
- Aloha Pacific Federal Credit Union: 3.75% APY (Business 12-Month Certificate)
- UNIFY Financial Federal Credit Union: 3.69% APY (IRA Certificate Term 18-Month Variable)
- Wilmington Savings Fund Society (WSFS): 3.50% APY (3-Month CD)
- Farm Bureau Bank FSB: 3.35% APY (FB-Org Certificate of Deposit [CD] 1 year)
- Baxter Credit Union: 3.30% APY (18-month term)
- One Nevada Credit Union: 3.30% APY (1 Year CD)
- Financial Horizons Credit Union: 3.25% APY (3 Month Share Certificates)
CD Calculators for Smith, Nevada
At today’s NV top rate of 3.90% APY, a $10,000 deposit earns $390 in the first year. Enter your amount to see your exact return.
Smith, Nevada CD LadderNV CD rates currently range from 1.254% (3-month) to 3.091% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Smith, Nevada CD at 3.90% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsNevada’s average 12-month CD is 1.952% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Smith, 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 pulling data straight 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 Smith, 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.
