Weekly CD Rate Report

Week ending January 11, 2026

Comparison 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
3.62%−3 bps
6-month CD
3.00%
median APY
−0.02% WoW
Matching Treasury
3.57%−1 bps
9-month CD
3.25%
median APY
−0.05% WoW
Matching Treasury
3.54%+2 bps
12-month CD
3.00%
median APY
±0.00% WoW
Matching Treasury
3.52%+5 bps
At a glance

Executive Summary

  • CD rates were mixed, with the 3-month flat, the 6-month lower, the 9-month lower, and the 12-month flat against a mixed Treasury backdrop.
  • The 3-month median APY held flat at 1.76% this week. The $5B – $10B tier fell 20 bps; no tier posted an increase. The matching 3-month Treasury yield fell 3 bps to 3.62% over the same week. Largest single-bank move: The Cecilian Bank cut 372 bps.
  • The 6-month median APY fell 2 bps to 3.00% this week. The $5B – $10B tier fell 23 bps; no tier posted an increase. The matching 6-month Treasury yield fell 1 bps to 3.57% over the same week. Largest single-bank move: The Cecilian Bank cut 371 bps.
  • The 9-month median APY fell 5 bps to 3.25% this week. The $10B – $50B tier rose 3 bps and the $5B – $10B tier fell 23 bps. The matching 9-month Treasury yield rose 2 bps to 3.54% over the same week. Unusual: one moved materially while the other was essentially flat. Largest single-bank move: Farmers State Bank cut 380 bps.
  • The 12-month median APY held flat at 3.00% this week. The $5B – $10B tier fell 20 bps; no tier posted an increase. The matching 12-month Treasury yield rose 5 bps to 3.52% over the same week. Unusual: one moved materially while the other was essentially flat. Largest single-bank move: Freedom Bank cut 365 bps.

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

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$11.97T
1.85%
−0.01%
1.76%
±0.00%
0.01%
Regions Bank · $500 min
4.11%
Omb Bank · $1K min
0.03% (−3.72%)
≥ $100B
$8.86T
1.96%
−0.02%
2.25%
±0.00%
0.01%
Regions Bank · $500 min
4.00%
3.70% (−0.21%)
$50B – $100B
$893.8B
1.71%
−0.11%
2.17%
±0.00%
0.01%
4.00%
2.25% (−1.26%)
$10B – $50B
$1.01T
2.62%
−0.09%
3.23%
−0.02%
0.02%
4.01%
0.10% (−2.90%)
$5B – $10B
$359.2B
2.32%
−0.10%
2.80%
−0.20%
0.05%
4.05%
Needham Bank · $1K min
1.61% (−2.19%)
< $5B
$846.5B
1.78%
+0.00%
1.50%
±0.00%
0.01%
4.11%
Omb Bank · $1K min
0.03% (−3.72%)

Median 3-month APY held flat at 1.76%. The $5B – $10B tier fell 20 bps; no tier posted an increase. The matching 3-month Treasury yield fell 3 bps to 3.62% over the same week.

6-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$11.97T
2.44%
−0.04%
3.00%
−0.02%
0.01%
4.75%
0.04% (−3.71%)
≥ $100B
$8.86T
2.38%
−0.02%
3.50%
±0.00%
0.01%
4.05%
3.63% (−0.21%)
$50B – $100B
$893.8B
2.35%
−0.22%
3.40%
±0.00%
0.01%
3.80%
0.01% (−2.24%)
$10B – $50B
$1.01T
2.80%
−0.03%
3.30%
−0.13%
0.05%
4.75%
3.30% (+3.20%)
$5B – $10B
$359.2B
2.56%
−0.17%
3.17%
−0.23%
0.10%
Five Star Bank · $500 min
4.05%
Needham Bank · $250 min
0.40% (−3.05%)
< $5B
$846.5B
2.42%
−0.03%
3.00%
±0.00%
0.01%
4.27%
Climate First Bank · $500 min
0.04% (−3.71%)

Median 6-month APY fell 2 bps to 3.00%. The $5B – $10B tier fell 23 bps; no tier posted an increase. The matching 6-month Treasury yield fell 1 bps to 3.57% over the same week.

9-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$11.97T
2.61%
−0.05%
3.25%
−0.05%
0.02%
5.30%
0.20% (−3.80%)
≥ $100B
$8.86T
2.02%
−0.02%
3.00%
±0.00%
0.03%
Regions Bank · $500 min
4.10%
3.57% (−0.25%)
$50B – $100B
$893.8B
2.28%
−0.02%
2.27%
±0.00%
0.10%
4.10%
Synchrony Bank · No min
3.86% (−0.15%)
$10B – $50B
$1.01T
2.80%
+0.16%
3.33%
+0.03%
0.02%
4.06%
3.30% (+3.20%)
$5B – $10B
$359.2B
2.67%
−0.29%
3.25%
−0.23%
0.05%
4.00%
Needham Bank · $250 min
0.40% (−3.00%)
< $5B
$846.5B
2.62%
−0.05%
3.25%
−0.05%
0.04%
5.30%
0.20% (−3.80%)

Median 9-month APY fell 5 bps to 3.25%. The $10B – $50B tier rose 3 bps and the $5B – $10B tier fell 23 bps. The matching 9-month Treasury yield rose 2 bps to 3.54% over the same week.

12-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$11.97T
2.43%
−0.02%
3.00%
±0.00%
0.01%
4.59%
0.30% (−3.65%)
≥ $100B
$8.86T
2.14%
−0.01%
3.00%
±0.00%
0.03%
Regions Bank · $500 min
4.10%
3.70% (−0.10%)
$50B – $100B
$893.8B
2.19%
−0.16%
2.50%
±0.00%
0.01%
3.90%
Synchrony Bank · No min
0.01% (−1.79%)
$10B – $50B
$1.01T
2.45%
−0.04%
2.99%
−0.01%
0.03%
4.06%
1.80% (−1.55%)
$5B – $10B
$359.2B
2.43%
−0.12%
2.88%
−0.20%
0.08%
3.85%
1.25% (−2.00%)
< $5B
$846.5B
2.44%
−0.01%
3.00%
±0.00%
0.02%
4.59%
0.30% (−3.65%)

Median 12-month APY held flat at 3.00%. The $5B – $10B tier fell 20 bps; no tier posted an increase. The matching 12-month Treasury yield rose 5 bps to 3.52% 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

  • HI · 9-month: 1.89% (−1.81%)
  • VT · 9-month: 1.85% (−1.55%)
  • UT · 9-month: 2.17% (+1.47%)
  • KY · 9-month: 0.35% (−1.42%)
  • GU · 6-month: 1.41% (−1.34%)

CDs by State — 3-Month

StateBranchesMedian APYWoW ΔTop Mover
AK90.85%N/A
AL3493.19%±0.00%
0.01% (−0.02%)
AR1691.76%+0.35%N/A
AZ5612.17%−0.83%
1.61% (−2.19%)
CA32303.03%−0.03%
3.90% (−0.25%)
CO4842.54%±0.00%
2.98% (−0.05%)
CT5290.88%−0.62%
3.27% (−0.73%)
DC961.81%±0.00%
3.65% (−0.40%)
DE833.00%±0.00%
3.50% (−0.15%)
FL20772.90%+0.05%
3.61% (+0.26%)
GA6392.00%±0.00%
3.25% (−0.25%)
GU53.05%±0.00%N/A
HI1573.05%−0.10%
3.00% (−0.15%)
IA3021.25%−0.28%
1.61% (−2.19%)
ID2022.71%+0.02%
2.43% (−0.26%)
IL13561.16%±0.00%
3.75% (+0.30%)
IN5391.00%±0.00%
3.55% (−0.15%)
KS4391.51%±0.00%
3.50% (−0.20%)
KY3530.45%−0.33%
0.03% (−3.72%)
LA3582.42%±0.00%
3.25% (−0.15%)
MA8792.39%+0.62%
2.25% (+2.00%)
MD4640.70%−0.30%
0.10% (−2.90%)
ME2760.68%+0.33%N/A
MI4353.00%+0.20%
3.35% (+3.34%)
MN3962.52%+0.00%
3.40% (−0.25%)
MO6041.05%±0.00%
3.50% (−0.20%)
MP23.05%±0.00%N/A
MS2000.10%±0.00%N/A
MT233.31%±0.00%N/A
NC6620.85%+0.10%
1.96% (+1.76%)
ND1013.20%−0.02%
3.40% (−0.25%)
NE3071.36%±0.00%
1.61% (−2.19%)
NH1491.76%+0.76%N/A
NJ9542.60%±0.00%
3.90% (−0.25%)
NM1131.01%±0.00%
3.25% (−0.05%)
NV2432.17%−0.04%
3.50% (−0.15%)
NY17863.00%±0.00%
3.27% (−0.73%)
OH6870.55%−0.76%
0.10% (−2.90%)
OK1822.52%−0.04%N/A
OR4242.30%−0.13%
2.43% (−0.26%)
PA11961.00%−0.25%
0.10% (−2.90%)
PR32.95%−0.05%
3.65% (−0.10%)
RI1043.00%±0.00%N/A
SC3241.08%+0.16%
1.96% (+1.76%)
SD703.25%±0.00%N/A
TN6721.76%±0.00%N/A
TX16722.17%±0.00%
2.25% (−1.26%)
UT2980.70%+0.15%
3.70% (+3.66%)
VA8681.21%±0.00%
0.10% (−2.90%)
VT233.70%+0.20%N/A
WA7052.85%±0.00%
2.43% (−0.26%)
WI8300.57%+0.07%
3.29% (−0.46%)
WV1530.50%±0.00%
3.25% (−0.15%)
WY522.17%±0.00%
2.98% (−0.05%)

CDs by State — 6-Month

StateBranchesMedian APYWoW ΔTop Mover
AK243.00%−0.13%N/A
AL3693.01%±0.00%
3.79% (+0.26%)
AR3502.80%−0.46%
2.80% (−0.80%)
AZ5992.92%+0.39%
3.30% (+3.20%)
CA32303.50%−0.03%
3.30% (+3.20%)
CO6823.16%−0.08%
3.80% (−0.15%)
CT7352.53%+0.02%
2.53% (−0.52%)
DC1122.87%±0.00%
1.36% (−0.82%)
DE1253.58%+0.08%
3.00% (−0.30%)
FL21123.50%−0.09%
0.40% (−3.05%)
GA6671.75%±0.00%N/A
GU51.41%−1.34%N/A
HI1852.92%−0.05%
3.10% (−0.10%)
IA3902.51%−0.74%
0.20% (−3.05%)
ID2073.25%+0.40%
3.30% (+3.20%)
IL13831.76%−0.30%
1.36% (−0.82%)
IN6302.00%−0.50%
1.01% (−2.34%)
KS5422.77%+0.02%
3.10% (+1.09%)
KY4032.00%±0.00%
0.04% (−3.71%)
LA4132.72%±0.00%
3.20% (−0.10%)
MA13042.75%−0.20%
3.30% (+3.20%)
MD6862.09%−0.09%
1.36% (−0.82%)
ME3682.27%+0.25%
2.53% (−0.52%)
MI6572.63%±0.00%
3.40% (−0.20%)
MN4802.94%+0.01%
3.33% (−0.30%)
MO7482.65%+0.13%
3.10% (+1.09%)
MP21.41%−1.34%N/A
MS2420.75%±0.00%N/A
MT223.53%±0.00%N/A
NC8791.36%−0.31%
1.36% (−0.82%)
ND1043.00%±0.00%N/A
NE4602.49%−0.16%
3.80% (−0.15%)
NH2473.00%−0.05%
0.10% (−3.50%)
NJ11603.15%−0.30%
0.40% (−3.05%)
NM1442.08%+0.58%
3.30% (+3.20%)
NV2482.84%+0.33%
3.30% (+3.20%)
NY28013.25%−0.15%
0.10% (−3.65%)
OH9762.60%+0.60%
4.00% (+3.70%)
OK3412.80%−0.15%
2.80% (−0.80%)
OR5113.05%+0.25%
3.30% (+3.20%)
PA15982.79%−0.26%
0.10% (−3.65%)
PR33.75%−0.05%
3.50% (−0.10%)
RI1531.63%−0.13%
2.50% (−0.75%)
SC4431.20%−0.02%
3.45% (+0.07%)
SD803.33%−0.10%
3.33% (−0.30%)
TN7673.17%±0.00%
3.75% (−0.20%)
TX19643.07%+0.05%
3.30% (+3.20%)
UT3503.52%+0.15%
3.65% (+3.61%)
VA10282.35%−0.02%
1.36% (−0.82%)
VT1353.25%−0.23%
0.40% (−3.05%)
WA9563.40%−0.02%
3.30% (+3.20%)
WI10241.71%+0.20%
3.05% (+2.95%)
WV1782.13%+0.38%
4.00% (+3.70%)
WY533.09%−0.15%
3.09% (−0.15%)

CDs by State — 9-Month

StateBranchesMedian APYWoW ΔTop Mover
AK100.05%±0.00%N/A
AL2670.30%±0.00%N/A
AR1281.65%+1.15%
3.45% (−0.30%)
AZ4362.08%+0.76%
3.30% (+3.20%)
CA23273.06%+0.06%
3.30% (+3.20%)
CO4632.17%±0.00%
3.45% (−0.30%)
CT3592.75%±0.00%
3.27% (−0.49%)
DC683.00%±0.00%
3.60% (−0.04%)
DE393.49%+0.07%
3.75% (−0.05%)
FL14882.60%−0.40%
0.40% (−3.00%)
GA4662.88%±0.00%N/A
HI571.89%−1.81%N/A
IA2151.00%−1.06%
0.20% (−3.80%)
ID1782.40%+1.06%
3.30% (+3.20%)
IL10683.13%−0.02%
3.20% (−0.30%)
IN4371.82%±0.00%
3.20% (−0.30%)
KS2662.80%+0.42%
3.45% (−0.30%)
KY2160.35%−1.42%
0.04% (−3.71%)
LA3581.65%±0.00%N/A
MA6943.02%−0.23%
0.40% (−3.00%)
MD3633.17%−0.13%
3.65% (+0.20%)
ME1892.44%±0.00%N/A
MI3532.50%±0.00%
3.30% (−0.25%)
MN2713.29%−0.01%
3.14% (−0.12%)
MO4173.25%−0.02%
3.65% (−0.41%)
MS1530.30%±0.00%N/A
MT220.50%±0.00%N/A
NC5901.10%+0.60%N/A
ND380.50%±0.00%N/A
NE2611.60%±0.00%
3.90% (−0.10%)
NH1233.25%−0.05%
3.20% (−0.20%)
NJ5453.13%−0.25%
0.40% (−3.00%)
NM920.50%+0.30%
3.30% (+3.20%)
NV1812.90%+0.63%
3.30% (+3.20%)
NY16273.02%−0.23%
0.40% (−3.00%)
OH7782.67%±0.00%
3.50% (−0.30%)
OK683.30%−0.50%N/A
OR3822.40%+0.18%
3.30% (+3.20%)
PA12012.99%+0.01%
3.14% (−0.16%)
PR23.00%±0.00%N/A
RI532.75%±0.00%N/A
SC2121.31%+0.60%
0.88% (−0.04%)
SD411.75%±0.00%N/A
TN5702.27%+0.89%N/A
TX9142.90%+0.10%
3.30% (+3.20%)
UT2352.17%+1.47%
3.30% (+3.20%)
VA4693.00%+0.08%N/A
VT501.85%−1.55%
0.40% (−3.00%)
WA6892.92%+0.02%
3.30% (+3.20%)
WI6703.35%−0.05%
3.51% (−0.25%)
WV862.85%±0.00%N/A
WY340.10%±0.00%N/A

CDs by State — 12-Month

StateBranchesMedian APYWoW ΔTop Mover
AK242.15%+0.50%N/A
AL3753.02%±0.00%
3.40% (−0.10%)
AR2822.15%+0.40%
2.55% (−0.96%)
AZ5833.04%±0.00%
0.01% (−1.79%)
CA32363.05%±0.00%
3.65% (−0.25%)
CO5923.04%−0.00%
3.55% (−0.35%)
CT7272.75%+0.13%
3.80% (−0.25%)
DC1141.75%±0.00%
3.80% (−0.15%)
DE1253.00%±0.00%
2.75% (−0.25%)
FL22372.91%−0.09%
1.80% (−1.55%)
GA6682.00%±0.00%
4.00% (+0.25%)
GU52.83%+0.23%N/A
HI1852.75%−0.05%
2.90% (−0.10%)
IA3862.94%−0.33%
2.50% (−1.20%)
ID2233.00%−0.05%
2.94% (−0.11%)
IL14702.00%±0.00%
3.00% (−0.55%)
IN7412.25%−0.13%
1.25% (−2.00%)
KS5372.90%−0.10%
3.75% (+2.45%)
KY4452.19%−0.31%
0.04% (−3.21%)
LA4163.08%−0.05%
3.10% (−0.10%)
MA12932.75%+0.13%
3.25% (+2.95%)
MD7271.75%±0.00%
3.45% (−0.20%)
ME3461.38%+0.53%
3.25% (+2.95%)
MI7022.94%±0.00%
3.10% (−0.15%)
MN4913.15%−0.08%
3.20% (−0.20%)
MO6862.90%+0.15%
3.00% (+0.98%)
MP22.83%+0.23%N/A
MS2421.25%±0.00%N/A
MT333.00%±0.00%N/A
NC9761.01%+0.01%
2.57% (+2.17%)
ND1193.04%±0.00%N/A
NE4632.86%+0.22%
3.75% (+2.45%)
NH2313.01%−0.01%
3.25% (−0.25%)
NJ12152.90%−0.10%
0.30% (−3.65%)
NM1501.75%−0.42%
1.51% (−1.94%)
NV2482.17%+0.08%
2.75% (−0.25%)
NY27662.79%−0.12%
2.00% (−1.00%)
OH11032.13%−0.25%
1.80% (−1.55%)
OK3222.80%−0.06%
2.55% (−0.96%)
OR5212.79%−0.03%
2.27% (−0.26%)
PA18132.52%+0.01%
3.59% (+2.69%)
PR31.72%−0.05%
3.40% (−0.10%)
RI1302.25%±0.00%N/A
SC4511.56%±0.00%
0.75% (−2.80%)
SD803.25%−0.04%
3.20% (−0.20%)
TN7523.00%±0.00%
3.70% (−1.20%)
TX19303.01%+0.01%
0.01% (−1.79%)
UT3543.27%+0.02%
3.60% (+3.56%)
VA10372.20%+0.12%
2.57% (+2.17%)
VT1322.75%+0.63%
3.05% (+2.46%)
WA9693.25%±0.00%
2.94% (−0.11%)
WI10402.37%−0.13%
2.10% (−1.00%)
WV2061.50%±0.00%
3.10% (−0.10%)
WY502.66%−0.05%
3.14% (−0.15%)

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