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CD Rate Trends

Track the movements of certificate of deposit APYs across all 50 states. Compare state-by-state variations, view week-over-week averages charted, and identify where APYs are shifting the fastest.

Current 12-Month CD Average
2.835%
▼ 0.002 this week
As of Jul 13, 2026
Current 6-Month CD Average
2.638%
▼ 0.086 this week
As of Jul 13, 2026

Insights & Actions

📈 Free Dataset Tools Embed, download, social images & more. ← Compare the Best CD Rates Compare live offers from top institutions. Jump to State Map See APYs heat-mapped across all 50 states. View State Reports Compare weekly APY changes by state. Request Custom Data Contact us for media data pulls.

Current CD Rate Trends

The 12-Month CD fell by 0.002 this week, bringing the current average APY down to 2.835%. Savers are seeing slightly reduced yields compared to last week, when the average was 2.837%.

The 6-Month CD eased this week to 2.638% from 2.724% last week. The spread between the 12-Month CD and 6-Month CD currently stands at 0.197 percentage points.

These averages are calculated from 22,720 verified CD rate quotes collected across 2,130 banks and credit unions reporting from all 50 states — updated daily by MonitorBankRates.com's proprietary systems. Rates are what real licensed institutions are actually offering to depositors, not promotional teaser rates.

Unlike comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated certificate of deposit rate database spanning community banks, regional lenders, large institutions, and credit unions in every state. This scale allows us to calculate averages that reflect the full deposit landscape — not just the most aggressive advertisers — giving savers, journalists, and financial professionals a more accurate benchmark for where APYs actually stand across the country.

State-Level CD Rate Heatmap

Hover over a state to see its current 12-Month CD average and weekly change. Click on any state to view its complete historical trend report.

Blank map of the United States, territories not included Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia West Virginia Wisconsin Wyoming District of Columbia District of Columbia

Weekly CD Rate Reports

Weekly average CD rate data releases from MonitorBankRates.com.

Jul 6, 2026
Week of July 6, 2026 CD Rates Rise Broadly; 12-Month Up to 2.840% | July 6, 2026
Jun 29, 2026
Week of June 29, 2026 CD Rates Split; 12-Month Edges Up to 2.831% | June 29, 2026
Jun 22, 2026
Week of June 22, 2026 CD Rates Pull Back; 12-Month at 2.827% | June 22, 2026
Jun 15, 2026
Week of June 15, 2026 CD Rates Tick Up; 12-Month at 2.870% | June 15, 2026
View all CD rate reports →

For Media, Researchers & Real Estate Professionals

The CD rate averages on this page are calculated from our database of over 8,500 banks and credit unions actively operating across all 50 states. Our proprietary systems collect and verify deposit rates daily — tracking what real licensed institutions are actually offering to depositors, not promotional teaser rates. Every day we aggregate those individual data points into overall averages that represent a true, real-market picture of what depositors across the U.S. are being offered today.

Unlike rate comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated certificate of deposit rate database spanning community banks, regional lenders, large institutions, and credit unions across all 50 states. This scale allows us to calculate averages that reflect the full deposit landscape — not just the most aggressive advertisers — giving savers, journalists, and financial professionals a more accurate benchmark for what APYs actually look like across the country.

Journalists, real estate professionals, and academic researchers are welcome to cite and reference this data for editorial, research, and educational purposes. Please attribute MonitorBankRates.com when referencing our figures in any publication, article, or report — and optionally link to https://monitorbankrates.com/certificate-of-deposit-cd-rates/trends/. For custom data pulls, contact us here.

CD Rate Trends

Weekly average APYs across all CD terms. Hover over the chart to see exact APYs for each week.

Weekly CD rate averages compiled from 22,720 current CD rates and 2,130+ banks and credit unions — updated daily.

As of Jul 13, 2026 • Data provided by MonitorBankRates.com

Free Data Tools

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Free for anyone to use — financial professionals, journalists, bloggers, and academic researchers. All data is compiled from our database of over 8,500 banks and credit unions actively operating across all 50 states. Citation required, attribution link optional.

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Source: MonitorBankRates.com

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Average CD Rates MonitorBankRates.com
3-MONTH CD 1.977% ▼ 0.080
6-MONTH CD 2.638% ▼ 0.086
12-MONTH CD 2.835% ▼ 0.002
Updated weekly — Source: MonitorBankRates.com

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