National CD Rate Trends

Current National CD Rate Trends

The national 12-Month CD rose by 0.019 this week, pushing the current average APY to 2.817%. Savers depositing this week are earning more than they would have last week, when the national average stood at 2.798%.

The 6-Month CD also moved higher this week, rising to 2.679% from 2.664% last week. The spread between the 12-Month CD and 6-Month CD currently stands at 0.138 percentage points.

These averages are calculated from 27,257 verified CD rate quotes collected across 2,693 banks and credit unions reporting nationally — 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, national 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 nationwide.

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.

Weekly CD Rate Reports

Weekly national average CD rate data releases from MonitorBankRates.com.

For Media, Researchers & Real Estate Professionals

The national 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 national 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, national 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 nationwide.

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.

National 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 27,257 current CD rates and 2,693+ banks and credit unions — updated daily.

As of Apr 22, 2026 • Data provided by MonitorBankRates.com

Complete State Trends Data