Weekly CD Rate Report — Week Ending January 4, 2026

Key stats

All US banks · week-over-week

3-month CD

1.76%

median APY

±0.00% WoW

Matching Treasury

3.65%+1 bps

6-month CD

3.02%

median APY

±0.00% WoW

Matching Treasury

3.58%±0 bps

9-month CD

3.30%

median APY

±0.00% WoW

Matching Treasury

3.53%−1 bps

12-month CD

3.00%

median APY

±0.00% WoW

Matching Treasury

3.47%−2 bps

At a glance

Executive Summary

CD rates held broadly flat, with the 3-month flat, the 6-month flat, the 9-month flat, and the 12-month flat in line with Treasury yields.
The 3-month median APY held flat at 1.76% this week. Tier-level moves were broadly flat across deposit sizes. The matching 3-month Treasury yield rose 1 bps to 3.65% over the same week.
The 6-month median APY held flat at 3.02% this week. Tier-level moves were broadly flat across deposit sizes. The matching 6-month Treasury yield held flat to 3.58%.
The 9-month median APY held flat at 3.30% this week. Tier-level moves were broadly flat across deposit sizes. The matching 9-month Treasury yield fell 1 bps to 3.53% over the same week.
The 12-month median APY held flat at 3.00% this week. Tier-level moves were broadly flat across deposit sizes. The matching 12-month Treasury yield fell 2 bps to 3.47% over the same week.

CD Summary Statistics by Deposit Tier

Each tier shows the average and median of contributing banks' best APYs, the bank holding the lowest and highest APY in the tier, and the bank whose APY moved most week-over-week.

3-Month CDs

Tier	Total Deposits	Avg	Median	Min	Max	Top Mover
All banks	$11.89T	1.86% ±0.00%	1.76% ±0.00%	0.01% Independent Bank · No min	4.16% State Bank of India · No min	N/A
≥ $100B	$8.86T	1.98% ±0.00%	2.25% ±0.00%	0.01% Regions Bank · $3K min	4.00% JPMorgan Chase Bank, National Association · $250K min	N/A
$50B – $100B	$893.8B	1.83% ±0.00%	2.17% ±0.00%	0.01% Webster Bank, National Association · $500 min	4.00% Valley National Bank · $500 min	N/A
$10B – $50B	$955.2B	2.71% ±0.00%	3.25% ±0.00%	0.02% Associated Bank, National Association · $1K min	4.16% State Bank of India · No min	N/A
$5B – $10B	$346.3B	2.42% ±0.00%	3.00% ±0.00%	0.05% The Camden National Bank · $500 min	4.05% Needham Bank · $250 min	N/A
< $5B	$834.9B	1.77% ±0.00%	1.50% ±0.00%	0.01% Independent Bank · No min	4.15% Habib American Bank · $2K min	N/A

Median 3-month APY held flat at 1.76%. Tier-level moves were broadly flat across deposit sizes. The matching 3-month Treasury yield rose 1 bps to 3.65% over the same week.

6-Month CDs

Tier	Total Deposits	Avg	Median	Min	Max	Top Mover
All banks	$11.89T	2.48% ±0.00%	3.02% ±0.00%	0.01% First Citizens Bank · $500 min	4.75% Third Federal Savings and Loan Association of Cleveland · $500 min	N/A
≥ $100B	$8.86T	2.40% ±0.00%	3.50% ±0.00%	0.01% First-Citizens Bank & Trust Company · $500 min	4.05% Goldman Sachs Bank USA · $500 min	N/A
$50B – $100B	$893.8B	2.57% ±0.00%	3.40% ±0.00%	0.01% Webster Bank, National Association · $500 min	4.00% Santander Bank, N.A. · $500 min	N/A
$10B – $50B	$955.2B	2.83% ±0.00%	3.42% ±0.00%	0.05% First Commonwealth Bank · $500 min	4.75% Third Federal Savings and Loan Association of Cleveland · $500 min	N/A
$5B – $10B	$346.3B	2.73% ±0.00%	3.40% ±0.00%	0.10% The Camden National Bank · $500 min	4.05% Needham Bank · $250 min	N/A
< $5B	$834.9B	2.45% ±0.00%	3.00% ±0.00%	0.01% First Citizens Bank · $500 min	4.33% MutualOne Bank · $500 min	N/A

Median 6-month APY held flat at 3.02%. Tier-level moves were broadly flat across deposit sizes. The matching 6-month Treasury yield held flat to 3.58%.

9-Month CDs

Tier	Total Deposits	Avg	Median	Min	Max	Top Mover
All banks	$11.89T	2.65% ±0.00%	3.30% ±0.00%	0.02% Associated Bank, National Association · $1K min	5.30% Citizens Community Federal National Association · $5K min	N/A
≥ $100B	$8.86T	2.04% ±0.00%	3.00% ±0.00%	0.03% Regions Bank · $500 min	4.10% Morgan Stanley Private Bank, National Association · No min	N/A
$50B – $100B	$893.8B	2.30% ±0.00%	2.27% ±0.00%	0.10% First Horizon Bank · No min	4.10% Synchrony Bank · No min	N/A
$10B – $50B	$955.2B	2.65% ±0.00%	3.30% ±0.00%	0.02% Associated Bank, National Association · $1K min	4.16% State Bank of India · No min	N/A
$5B – $10B	$346.3B	2.95% ±0.00%	3.48% ±0.00%	0.05% Old Second National Bank · $1K min	4.00% Needham Bank · $250 min	N/A
< $5B	$834.9B	2.67% ±0.00%	3.30% ±0.00%	0.05% Commercial Bank and Trust of PA · $1K min	5.30% Citizens Community Federal National Association · $5K min	N/A

Median 9-month APY held flat at 3.30%. Tier-level moves were broadly flat across deposit sizes. The matching 9-month Treasury yield fell 1 bps to 3.53% over the same week.

12-Month CDs

Tier	Total Deposits	Avg	Median	Min	Max	Top Mover
All banks	$11.89T	2.45% ±0.00%	3.00% ±0.00%	0.02% First Choice Bank · $1K min	4.90% Financial Federal Bank · $1K min	N/A
≥ $100B	$8.86T	2.15% ±0.00%	3.00% ±0.00%	0.03% Regions Bank · $500 min	4.10% Morgan Stanley Private Bank, National Association · No min	N/A
$50B – $100B	$893.8B	2.35% ±0.00%	2.50% ±0.00%	0.10% First Horizon Bank · No min	3.90% Synchrony Bank · No min	N/A
$10B – $50B	$955.2B	2.49% ±0.00%	3.00% ±0.00%	0.03% OceanFirst Bank, National Association · $1 min	4.16% State Bank of India · No min	N/A
$5B – $10B	$346.3B	2.54% ±0.00%	3.08% ±0.00%	0.10% Old Second National Bank · $1K min	3.95% EagleBank · $1K min	N/A
< $5B	$834.9B	2.45% ±0.00%	3.00% ±0.00%	0.02% First Choice Bank · $1K min	4.90% Financial Federal Bank · $1K min	N/A

Median 12-month APY held flat at 3.00%. Tier-level moves were broadly flat across deposit sizes. The matching 12-month Treasury yield fell 2 bps to 3.47% over the same week.

CDs by State

Banks are attributed to every state where they have at least one open branch. Median APY is the median of each contributing bank's best APY for the tenor.

Biggest Movers

FL · 3-month: 2.85% (±0.00%)
UT · 3-month: 0.55% (±0.00%)
NY · 3-month: 3.00% (±0.00%)
CA · 3-month: 3.06% (±0.00%)
AL · 3-month: 3.19% (±0.00%)

CDs by State — 3-Month

State	Branches	Median APY	WoW Δ	Top Mover
AL	349	3.19%	±0.00%	N/A
AR	168	1.41%	±0.00%	N/A
AZ	561	3.00%	±0.00%	N/A
CA	3164	3.06%	±0.00%	N/A
CO	484	2.54%	±0.00%	N/A
CT	484	1.50%	±0.00%	N/A
DC	96	1.81%	±0.00%	N/A
DE	83	3.00%	±0.00%	N/A
FL	2027	2.85%	±0.00%	N/A
GA	639	2.00%	±0.00%	N/A
GU	2	3.05%	±0.00%	N/A
HI	112	3.15%	±0.00%	N/A
IA	294	1.53%	±0.00%	N/A
ID	188	2.69%	±0.00%	N/A
IL	1356	1.16%	±0.00%	N/A
IN	539	1.00%	±0.00%	N/A
KS	406	1.51%	±0.00%	N/A
KY	353	0.78%	±0.00%	N/A
LA	358	2.42%	±0.00%	N/A
MA	869	1.76%	±0.00%	N/A
MD	460	1.00%	±0.00%	N/A
ME	258	0.35%	±0.00%	N/A
MI	435	2.80%	±0.00%	N/A
MN	389	2.52%	±0.00%	N/A
MO	604	1.05%	±0.00%	N/A
MP	1	3.05%	±0.00%	N/A
MS	200	0.10%	±0.00%	N/A
MT	23	3.31%	±0.00%	N/A
NC	662	0.75%	±0.00%	N/A
ND	101	3.22%	±0.00%	N/A
NE	307	1.36%	±0.00%	N/A
NH	140	1.00%	±0.00%	N/A
NJ	953	2.60%	±0.00%	N/A
NM	113	1.01%	±0.00%	N/A
NV	239	2.21%	±0.00%	N/A
NY	1705	3.00%	±0.00%	N/A
OH	687	1.31%	±0.00%	N/A
OK	169	2.56%	±0.00%	N/A
OR	424	2.43%	±0.00%	N/A
PA	1163	1.25%	±0.00%	N/A
PR	3	3.00%	±0.00%	N/A
RI	104	3.00%	±0.00%	N/A
SC	324	0.93%	±0.00%	N/A
SD	70	3.25%	±0.00%	N/A
TN	672	1.76%	±0.00%	N/A
TX	1664	2.17%	±0.00%	N/A
UT	298	0.55%	±0.00%	N/A
VA	868	1.21%	±0.00%	N/A
VT	22	3.50%	±0.00%	N/A
WA	705	2.85%	±0.00%	N/A
WI	818	0.50%	±0.00%	N/A
WV	153	0.50%	±0.00%	N/A
WY	52	2.17%	±0.00%	N/A

CDs by State — 6-Month

State	Branches	Median APY	WoW Δ	Top Mover
AK	15	3.13%	±0.00%	N/A
AL	369	3.01%	±0.00%	N/A
AR	349	3.25%	±0.00%	N/A
AZ	594	2.53%	±0.00%	N/A
CA	3191	3.53%	±0.00%	N/A
CO	682	3.25%	±0.00%	N/A
CT	716	2.51%	±0.00%	N/A
DC	112	2.87%	±0.00%	N/A
DE	124	3.50%	±0.00%	N/A
FL	2112	3.59%	±0.00%	N/A
GA	667	1.75%	±0.00%	N/A
GU	2	2.75%	±0.00%	N/A
HI	113	2.98%	±0.00%	N/A
IA	366	3.25%	±0.00%	N/A
ID	207	2.85%	±0.00%	N/A
IL	1383	2.06%	±0.00%	N/A
IN	630	2.50%	±0.00%	N/A
KS	474	2.75%	±0.00%	N/A
KY	403	2.00%	±0.00%	N/A
LA	413	2.72%	±0.00%	N/A
MA	1304	2.95%	±0.00%	N/A
MD	684	2.18%	±0.00%	N/A
ME	342	2.02%	±0.00%	N/A
MI	657	2.63%	±0.00%	N/A
MN	466	2.92%	±0.00%	N/A
MO	746	2.52%	±0.00%	N/A
MP	1	2.75%	±0.00%	N/A
MS	242	0.75%	±0.00%	N/A
MT	22	3.53%	±0.00%	N/A
NC	864	1.68%	±0.00%	N/A
ND	104	3.00%	±0.00%	N/A
NE	457	2.65%	±0.00%	N/A
NH	238	3.05%	±0.00%	N/A
NJ	1159	3.45%	±0.00%	N/A
NM	144	1.50%	±0.00%	N/A
NV	244	2.50%	±0.00%	N/A
NY	2801	3.40%	±0.00%	N/A
OH	976	2.00%	±0.00%	N/A
OK	334	2.95%	±0.00%	N/A
OR	511	2.80%	±0.00%	N/A
PA	1550	3.05%	±0.00%	N/A
PR	3	3.80%	±0.00%	N/A
RI	153	1.75%	±0.00%	N/A
SC	443	1.22%	±0.00%	N/A
SD	80	3.43%	±0.00%	N/A
TN	767	3.17%	±0.00%	N/A
TX	1921	3.02%	±0.00%	N/A
UT	350	3.38%	±0.00%	N/A
VA	962	2.37%	±0.00%	N/A
VT	123	3.48%	±0.00%	N/A
WA	956	3.42%	±0.00%	N/A
WI	1012	1.51%	±0.00%	N/A
WV	178	1.75%	±0.00%	N/A
WY	53	3.24%	±0.00%	N/A

CDs by State — 9-Month

State	Branches	Median APY	WoW Δ	Top Mover
AK	10	0.05%	±0.00%	N/A
AL	267	0.30%	±0.00%	N/A
AR	127	0.50%	±0.00%	N/A
AZ	436	1.32%	±0.00%	N/A
CA	2288	3.00%	±0.00%	N/A
CO	463	2.17%	±0.00%	N/A
CT	359	2.75%	±0.00%	N/A
DC	68	3.00%	±0.00%	N/A
DE	38	3.42%	±0.00%	N/A
FL	1488	3.00%	±0.00%	N/A
GA	466	2.88%	±0.00%	N/A
HI	30	3.70%	±0.00%	N/A
IA	215	2.06%	±0.00%	N/A
ID	178	1.33%	±0.00%	N/A
IL	1068	3.15%	±0.00%	N/A
IN	437	1.82%	±0.00%	N/A
KS	233	2.38%	±0.00%	N/A
KY	216	1.77%	±0.00%	N/A
LA	358	1.65%	±0.00%	N/A
MA	694	3.25%	±0.00%	N/A
MD	359	3.30%	±0.00%	N/A
ME	189	2.44%	±0.00%	N/A
MI	353	2.50%	±0.00%	N/A
MN	271	3.30%	±0.00%	N/A
MO	417	3.27%	±0.00%	N/A
MS	153	0.30%	±0.00%	N/A
MT	22	0.50%	±0.00%	N/A
NC	538	0.50%	±0.00%	N/A
ND	38	0.50%	±0.00%	N/A
NE	261	1.60%	±0.00%	N/A
NH	123	3.30%	±0.00%	N/A
NJ	545	3.38%	±0.00%	N/A
NM	89	0.20%	±0.00%	N/A
NV	177	2.27%	±0.00%	N/A
NY	1627	3.25%	±0.00%	N/A
OH	778	2.67%	±0.00%	N/A
OK	61	3.80%	±0.00%	N/A
OR	382	2.22%	±0.00%	N/A
PA	1182	2.98%	±0.00%	N/A
PR	2	3.00%	±0.00%	N/A
RI	53	2.75%	±0.00%	N/A
SC	200	0.71%	±0.00%	N/A
SD	41	1.75%	±0.00%	N/A
TN	569	1.39%	±0.00%	N/A
TX	910	2.79%	±0.00%	N/A
UT	235	0.70%	±0.00%	N/A
VA	468	2.92%	±0.00%	N/A
VT	50	3.40%	±0.00%	N/A
WA	689	2.90%	±0.00%	N/A
WI	670	3.40%	±0.00%	N/A
WV	86	2.85%	±0.00%	N/A
WY	34	0.10%	±0.00%	N/A

CDs by State — 12-Month

State	Branches	Median APY	WoW Δ	Top Mover
AK	15	1.65%	±0.00%	N/A
AL	375	3.02%	±0.00%	N/A
AR	281	1.75%	±0.00%	N/A
AZ	583	3.04%	±0.00%	N/A
CA	3197	3.05%	±0.00%	N/A
CO	592	3.04%	±0.00%	N/A
CT	708	2.63%	±0.00%	N/A
DC	114	1.75%	±0.00%	N/A
DE	124	3.00%	±0.00%	N/A
FL	2237	3.00%	±0.00%	N/A
GA	668	2.00%	±0.00%	N/A
GU	2	2.60%	±0.00%	N/A
HI	113	2.80%	±0.00%	N/A
IA	365	3.27%	±0.00%	N/A
ID	223	3.05%	±0.00%	N/A
IL	1470	2.00%	±0.00%	N/A
IN	741	2.38%	±0.00%	N/A
KS	502	3.00%	±0.00%	N/A
KY	445	2.50%	±0.00%	N/A
LA	416	3.13%	±0.00%	N/A
MA	1293	2.63%	±0.00%	N/A
MD	723	1.75%	±0.00%	N/A
ME	338	0.85%	±0.00%	N/A
MI	702	2.94%	±0.00%	N/A
MN	484	3.23%	±0.00%	N/A
MO	684	2.75%	±0.00%	N/A
MP	1	2.60%	±0.00%	N/A
MS	242	1.25%	±0.00%	N/A
MT	33	3.00%	±0.00%	N/A
NC	976	1.00%	±0.00%	N/A
ND	119	3.04%	±0.00%	N/A
NE	463	2.64%	±0.00%	N/A
NH	231	3.02%	±0.00%	N/A
NJ	1215	3.00%	±0.00%	N/A
NM	150	2.17%	±0.00%	N/A
NV	244	2.09%	±0.00%	N/A
NY	2766	2.91%	±0.00%	N/A
OH	1103	2.38%	±0.00%	N/A
OK	315	2.85%	±0.00%	N/A
OR	521	2.83%	±0.00%	N/A
PA	1794	2.51%	±0.00%	N/A
PR	3	1.77%	±0.00%	N/A
RI	130	2.25%	±0.00%	N/A
SC	451	1.56%	±0.00%	N/A
SD	80	3.29%	±0.00%	N/A
TN	752	3.00%	±0.00%	N/A
TX	1922	3.00%	±0.00%	N/A
UT	354	3.25%	±0.00%	N/A
VA	1037	2.08%	±0.00%	N/A
VT	132	2.13%	±0.00%	N/A
WA	969	3.25%	±0.00%	N/A
WI	1040	2.50%	±0.00%	N/A
WV	206	1.50%	±0.00%	N/A
WY	50	2.71%	±0.00%	N/A

Methodology & disclaimer

This report was automatically generated from www.depositmonitor.com data. CD APYs reflect the latest observed rate per bank within a 30-day lookback window ending January 4, 2026. Treasury yields are sourced from the US Department of the Treasury daily par yield curve.

Disclaimer: The information presented is for informational and competitive- intelligence purposes only and does not constitute financial, investment, tax, or legal advice. Deposit rates change frequently and may differ from those shown depending on deposit size, term, region, eligibility, and other conditions set by each institution. While we make best efforts to ensure accuracy, Deposit Monitor makes no warranty, express or implied, regarding the completeness or timeliness of this data. Verify current rates directly with each institution before making any deposit decision.

Week ending January 4, 2026

Key stats

Executive Summary

CD Summary Statistics by Deposit Tier

3-Month CDs

6-Month CDs

9-Month CDs

12-Month CDs

CDs by State

Biggest Movers

CDs by State — 3-Month

CDs by State — 6-Month

CDs by State — 9-Month

CDs by State — 12-Month

Daily competitive intelligence for deposit pricing