CD Rate Trends

Current CD Rate Trends

The 12-Month CD rose by 0.029 this week, pushing the current average APY to 2.988%. Savers depositing this week are earning more than they would have last week, when the average stood at 2.959%.

The 6-Month CD also moved higher this week, rising to 2.774% from 2.764% last week. The spread between the 12-Month CD and 6-Month CD currently stands at 0.214 percentage points.

These averages are calculated from 46,781 verified CD rate quotes collected across 4,102 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.

States colored by quartile of current 12-Month CD APY averages. Hover any state for its rate, rank and weekly change; click to open that state’s trend page. Rates shown to two decimals on the map, three in the tooltip.

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Weekly CD Rate Reports

Weekly average CD rate data releases from MonitorBankRates.com.

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

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

Daily CD rate averages compiled from 46,781 current CD rates and 4,102+ banks and credit unions, updated daily.

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

Complete State Trends Data