Weekly CD Rate Report — Week Ending January 18, 2026

Key stats

All US banks · week-over-week

3-month CD

1.75%

median APY

−0.01% WoW

Matching Treasury

3.67%+5 bps

6-month CD

3.00%

median APY

±0.00% WoW

Matching Treasury

3.60%+3 bps

9-month CD

3.25%

median APY

±0.00% WoW

Matching Treasury

3.58%+3 bps

12-month CD

3.00%

median APY

±0.00% WoW

Matching Treasury

3.55%+3 bps

At a glance

Executive Summary

CD rates were mixed, with the 3-month lower, the 6-month flat, the 9-month flat, and the 12-month flat against a mixed Treasury backdrop.
The 3-month median APY fell 1 bps to 1.75% this week. The ≥ $100B tier rose 25 bps; no tier posted a decline. The matching 3-month Treasury yield rose 5 bps to 3.67% over the same week. Unusual: one moved materially while the other was essentially flat. Largest single-bank move: The FNB Community Bank cut 370 bps.
The 6-month median APY held flat at 3.00% this week. The $10B – $50B tier rose 3 bps; no tier posted a decline. The matching 6-month Treasury yield rose 3 bps to 3.60% over the same week. Largest single-bank move: Bank of Franklin County cut 375 bps.
The 9-month median APY held flat at 3.25% this week. The ≥ $100B tier fell 100 bps; no tier posted an increase. The matching 9-month Treasury yield rose 3 bps to 3.58% over the same week. Largest single-bank move: Varo Bank, National Association raised 265 bps.
The 12-month median APY held flat at 3.00% this week. The ≥ $100B tier rose 13 bps and the $5B – $10B tier fell 2 bps. The matching 12-month Treasury yield rose 3 bps to 3.55% over the same week. Largest single-bank move: The Peoples Bank raised 325 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

Tier	Total Deposits	Avg	Median	Min	Max	Top Mover
All banks	$11.10T	1.86% +0.01%	1.75% −0.01%	0.01% Regions Bank · $500 min	4.11% Omb Bank · $1K min	The FNB Community Bank 0.15% (−3.70%)
≥ $100B	$8.19T	1.93% −0.03%	2.50% +0.25%	0.01% Regions Bank · $500 min	4.00% JPMorgan Chase Bank, National Association · $250K min	N/A
$50B – $100B	$742.3B	1.83% +0.11%	2.25% +0.08%	0.01% Webster Bank, National Association · $500 min	4.00% Valley National Bank · $500 min	N/A
$10B – $50B	$980.1B	2.61% −0.01%	3.23% +0.02%	0.02% Associated Bank, National Association · $1K min	4.01% State Bank of India · No min	N/A
$5B – $10B	$348.6B	2.36% +0.05%	2.80% +0.13%	0.05% The Camden National Bank · $500 min	4.05% Needham Bank · $1K min	N/A
< $5B	$839.8B	1.78% +0.00%	1.50% ±0.00%	0.01% Citizens Trust Bank · $100K min	4.11% Omb Bank · $1K min	The FNB Community Bank 0.15% (−3.70%)

Median 3-month APY fell 1 bps to 1.75%. The ≥ $100B tier rose 25 bps; no tier posted a decline. The matching 3-month Treasury yield rose 5 bps to 3.67% over the same week.

6-Month CDs

Tier	Total Deposits	Avg	Median	Min	Max	Top Mover
All banks	$11.10T	2.46% +0.02%	3.00% ±0.00%	0.01% USAA Federal Savings Bank · $250 min	4.75% Third Federal Savings and Loan Association of Cleveland · $500 min	Bank of Franklin County 0.10% (−3.75%)
≥ $100B	$8.19T	2.43% +0.05%	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	$742.3B	2.24% −0.11%	3.40% ±0.00%	0.01% USAA Federal Savings Bank · $250 min	3.80% Flagstar Bank, National Association · $3K min	N/A
$10B – $50B	$980.1B	2.92% +0.09%	3.33% +0.03%	0.05% Eastern Bank · $3K min	4.75% Third Federal Savings and Loan Association of Cleveland · $500 min	N/A
$5B – $10B	$348.6B	2.54% ±0.00%	3.06% ±0.00%	0.10% Five Star Bank · $500 min	4.05% Needham Bank · $250 min	N/A
< $5B	$839.8B	2.43% +0.02%	3.00% +0.02%	0.01% First Citizens Bank · $500 min	4.27% Climate First Bank · $500 min	Bank of Franklin County 0.10% (−3.75%)

Median 6-month APY held flat at 3.00%. The $10B – $50B tier rose 3 bps; no tier posted a decline. The matching 6-month Treasury yield rose 3 bps to 3.60% over the same week.

9-Month CDs

Tier	Total Deposits	Avg	Median	Min	Max	Top Mover
All banks	$11.10T	2.62% +0.02%	3.25% ±0.00%	0.02% Associated Bank, National Association · $1K min	5.30% CCFBank National Association · $5K min	Varo Bank, National Association 3.35% (+2.65%)
≥ $100B	$8.19T	1.94% −0.08%	2.00% −1.00%	0.03% Regions Bank · $500 min	4.10% Morgan Stanley Private Bank, National Association · No min	N/A
$50B – $100B	$742.3B	2.04% −0.24%	2.27% ±0.00%	0.10% First Horizon Bank · No min	3.86% CIBC Bank USA · $1K min	N/A
$10B – $50B	$980.1B	2.83% ±0.00%	3.35% ±0.00%	0.02% Associated Bank, National Association · $1K min	4.06% State Bank of India · No min	N/A
$5B – $10B	$348.6B	2.64% ±0.00%	3.25% ±0.00%	0.05% Old Second National Bank · $1K min	4.00% Needham Bank · $250 min	N/A
< $5B	$839.8B	2.64% +0.02%	3.25% ±0.00%	0.04% The Cecilian Bank · $1K min	5.30% CCFBank National Association · $5K min	Varo Bank, National Association 3.35% (+2.65%)

Median 9-month APY held flat at 3.25%. The ≥ $100B tier fell 100 bps; no tier posted an increase. The matching 9-month Treasury yield rose 3 bps to 3.58% over the same week.

12-Month CDs

Tier	Total Deposits	Avg	Median	Min	Max	Top Mover
All banks	$11.10T	2.44% +0.01%	3.00% ±0.00%	0.01% USAA Federal Savings Bank · $250 min	4.30% Mid-America Bank · $500 min	The Peoples Bank 3.50% (+3.25%)
≥ $100B	$8.19T	2.25% +0.12%	3.13% +0.13%	0.03% Regions Bank · $500 min	4.10% Morgan Stanley Private Bank, National Association · No min	N/A
$50B – $100B	$742.3B	2.04% −0.15%	2.50% ±0.00%	0.01% USAA Federal Savings Bank · $250 min	3.70% Flagstar Bank, National Association · $500 min	N/A
$10B – $50B	$980.1B	2.67% +0.18%	3.00% ±0.00%	0.05% Eastern Bank · $10 min	4.06% State Bank of India · No min	N/A
$5B – $10B	$348.6B	2.39% −0.02%	2.85% −0.02%	0.08% Central Pacific Bank · $1K min	3.85% RBC Bank, (Georgia) National Association · No min	N/A
< $5B	$839.8B	2.44% −0.00%	3.00% ±0.00%	0.03% Bath State Bank · $50K min	4.30% Mid-America Bank · $500 min	The Peoples Bank 3.50% (+3.25%)

Median 12-month APY held flat at 3.00%. The ≥ $100B tier rose 13 bps and the $5B – $10B tier fell 2 bps. The matching 12-month Treasury yield rose 3 bps to 3.55% 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

PR · 12-month: 3.40% (+1.68%)
SD · 9-month: 0.30% (−1.45%)
UT · 9-month: 3.30% (+1.13%)
KS · 9-month: 1.71% (−1.09%)
IN · 3-month: 2.00% (+1.00%)

CDs by State — 3-Month

State	Branches	Median APY	WoW Δ	Top Mover
AK	9	0.85%	±0.00%	N/A
AL	343	2.84%	−0.35%	EvaBank 4.01% (+0.46%)
AR	156	1.92%	+0.16%	Fidelity Bank 3.00% (+0.90%)
AZ	501	2.25%	+0.08%	N/A
CA	2884	3.06%	+0.03%	Community Commerce Bank 2.68% (+0.15%)
CO	451	2.53%	−0.01%	Golden Belt Bank, FSA 3.25% (−0.50%)
CT	517	0.75%	−0.13%	N/A
DC	81	1.36%	−0.45%	N/A
DE	75	3.25%	+0.25%	N/A
FL	2020	3.00%	+0.10%	N/A
GA	639	2.00%	±0.00%	N/A
GU	5	3.05%	±0.00%	N/A
HI	157	3.05%	±0.00%	N/A
IA	302	1.25%	±0.00%	N/A
ID	177	3.00%	+0.29%	N/A
IL	1275	1.05%	−0.11%	The FNB Community Bank 0.15% (−3.70%)
IN	533	2.00%	+1.00%	First Federal Savings Bank 3.86% (−0.16%)
KS	439	1.51%	±0.00%	Golden Belt Bank, FSA 3.25% (−0.50%)
KY	290	0.40%	−0.05%	First Federal Savings Bank 3.48% (−0.12%)
LA	358	2.42%	±0.00%	N/A
MA	862	2.39%	±0.00%	N/A
MD	454	0.85%	+0.15%	The Peoples Bank 3.75% (+3.65%)
ME	268	1.00%	+0.32%	N/A
MI	424	2.90%	−0.10%	N/A
MN	387	2.67%	+0.14%	Citizens Bank Minnesota 1.00% (+0.50%)
MO	608	1.05%	±0.00%	Exchange Bank & Trust 3.80% (−0.10%)
MP	2	3.05%	±0.00%	N/A
MS	200	0.50%	+0.40%	First Choice Bank 0.75% (+0.74%)
MT	23	3.31%	±0.00%	N/A
NC	661	0.80%	−0.05%	N/A
ND	101	3.20%	±0.00%	N/A
NE	295	1.30%	−0.05%	Security Bank 1.00% (−0.31%)
NH	146	2.53%	+0.76%	Claremont Savings Bank 3.65% (−0.25%)
NJ	946	2.67%	+0.07%	N/A
NM	112	0.58%	−0.43%	N/A
NV	192	1.29%	−0.88%	Eaglemark Savings Bank 3.50% (−0.15%)
NY	1568	3.00%	±0.00%	Cross County Savings Bank 1.90% (−0.10%)
OH	636	0.55%	±0.00%	North Valley Bank 3.15% (−0.20%)
OK	182	2.52%	±0.00%	N/A
OR	423	2.43%	+0.13%	N/A
PA	1202	1.25%	+0.25%	N/A
PR	1	3.65%	+0.70%	N/A
RI	104	3.00%	±0.00%	N/A
SC	324	1.08%	±0.00%	N/A
SD	55	3.25%	±0.00%	N/A
TN	669	1.25%	−0.51%	CBBC Bank 1.00% (−0.30%)
TX	1574	2.13%	−0.04%	First Commercial Bank, National Association 2.78% (−0.25%)
UT	201	0.70%	±0.00%	N/A
VA	787	1.21%	±0.00%	N/A
VT	23	3.58%	−0.13%	Claremont Savings Bank 3.65% (−0.25%)
WA	703	2.95%	+0.10%	N/A
WI	841	0.85%	+0.28%	Spring Bank 3.45% (−0.05%)
WV	150	0.50%	±0.00%	N/A
WY	51	2.32%	+0.15%	N/A

CDs by State — 6-Month

State	Branches	Median APY	WoW Δ	Top Mover
AK	24	3.00%	±0.00%	N/A
AL	369	3.01%	±0.00%	N/A
AR	332	2.95%	+0.15%	First National Bank of Eastern Arkansas 3.80% (−0.24%)
AZ	430	3.55%	+0.64%	Unison Bank 3.65% (+1.12%)
CA	2197	3.50%	±0.00%	Murphy Bank 3.65% (−0.35%)
CO	599	3.25%	+0.09%	Integrity Bank & Trust 3.30% (−0.25%)
CT	627	2.64%	+0.11%	N/A
DC	75	2.87%	±0.00%	N/A
DE	107	3.50%	−0.08%	The Farmers Bank of Willards 3.26% (−0.01%)
FL	1638	3.50%	±0.00%	N/A
GA	536	1.75%	±0.00%	N/A
GU	5	1.41%	±0.00%	N/A
HI	185	2.92%	±0.00%	N/A
IA	386	2.53%	+0.02%	Grinnell State Bank 3.68% (−0.22%)
ID	176	3.30%	+0.05%	Farmers Bank 3.80% (−0.10%)
IL	1185	2.06%	+0.30%	Peoples Bank of Kankakee County 2.35% (+0.20%)
IN	614	2.25%	+0.25%	First Federal Savings Bank 3.46% (−0.19%)
KS	516	2.77%	±0.00%	First State Bank of St. Charles, Missouri 2.40% (−1.10%)
KY	393	2.00%	±0.00%	First Federal Savings Bank 3.46% (−0.19%)
LA	413	2.72%	±0.00%	N/A
MA	1157	2.75%	±0.00%	N/A
MD	561	2.34%	+0.25%	The Peoples Bank 3.50% (+3.35%)
ME	348	2.53%	+0.26%	N/A
MI	573	2.63%	±0.00%	N/A
MN	449	3.15%	+0.21%	Citizens Bank Minnesota 1.25% (+0.50%)
MO	694	2.65%	±0.00%	Bank of Franklin County 0.10% (−3.75%)
MP	2	1.41%	±0.00%	N/A
MS	242	0.95%	+0.20%	First Choice Bank 1.10% (+1.09%)
MT	22	3.53%	±0.00%	N/A
NC	718	1.60%	+0.24%	N/A
ND	104	3.35%	+0.35%	Unison Bank 3.65% (+1.12%)
NE	444	2.53%	+0.04%	Pathway Bank 3.70% (−0.05%)
NH	229	3.13%	+0.13%	N/A
NJ	964	3.30%	+0.15%	N/A
NM	114	2.52%	+0.44%	N/A
NV	144	2.92%	+0.08%	N/A
NY	2332	3.25%	±0.00%	Cross County Savings Bank 2.05% (−0.10%)
OH	891	2.80%	+0.20%	North Valley Bank 3.00% (−0.10%)
OK	280	2.91%	+0.11%	AVB Bank 2.86% (+0.73%)
OR	474	3.27%	+0.23%	Oregon Coast Bank 2.50% (−0.25%)
PA	1435	3.00%	+0.21%	Hometown Bank of Pennsylvania 3.80% (−0.25%)
PR	1	3.50%	−0.25%	N/A
RI	128	2.63%	+1.00%	N/A
SC	378	1.50%	+0.30%	N/A
SD	78	3.28%	−0.05%	N/A
TN	693	3.50%	+0.33%	First National Bank of Eastern Arkansas 3.80% (−0.24%)
TX	1532	3.17%	+0.10%	NBT Financial Bank 2.53% (−0.49%)
UT	224	3.65%	+0.13%	N/A
VA	901	2.35%	±0.00%	The Farmers Bank of Appomattox 3.45% (−0.15%)
VT	135	3.25%	±0.00%	N/A
WA	835	3.42%	+0.02%	N/A
WI	1035	1.90%	+0.19%	Spring Bank 3.80% (−0.15%)
WV	175	2.50%	+0.38%	First Exchange Bank 3.65% (+0.10%)
WY	52	3.12%	+0.03%	Security State Bank 3.14% (−0.11%)

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	128	1.65%	±0.00%	Fidelity Bank 3.60% (+0.60%)
AZ	376	2.52%	+0.44%	Goldwater Bank, N.A. 3.50% (−0.25%)
CA	1981	3.17%	+0.11%	N/A
CO	430	2.38%	+0.21%	Golden Belt Bank, FSA 3.55% (−0.45%)
CT	347	2.38%	−0.38%	N/A
DC	53	3.17%	+0.17%	N/A
DE	38	3.50%	+0.00%	N/A
FL	1431	2.27%	−0.33%	N/A
GA	466	2.88%	±0.00%	N/A
HI	57	1.89%	±0.00%	N/A
IA	215	1.00%	±0.00%	TruBank 3.85% (+0.20%)
ID	153	2.63%	+0.23%	N/A
IL	982	3.20%	+0.08%	N/A
IN	437	1.82%	±0.00%	N/A
KS	199	1.71%	−1.09%	Golden Belt Bank, FSA 3.55% (−0.45%)
KY	216	0.35%	±0.00%	N/A
LA	358	1.65%	±0.00%	N/A
MA	689	3.00%	−0.02%	N/A
MD	353	3.19%	+0.02%	Arundel Federal Savings Bank 3.65% (−0.05%)
ME	180	2.44%	±0.00%	N/A
MI	342	2.13%	−0.38%	N/A
MN	271	3.25%	−0.04%	Heritage Bank National Association 3.25% (−0.25%)
MO	405	2.54%	−0.71%	N/A
MS	153	0.30%	±0.00%	First National Bank of Clarksdale 0.50% (−1.00%)
MT	22	0.50%	±0.00%	N/A
NC	590	1.10%	±0.00%	N/A
ND	38	0.50%	±0.00%	N/A
NE	254	1.71%	+0.10%	Heritage Bank 3.75% (+2.25%)
NH	120	3.27%	+0.02%	N/A
NJ	537	3.25%	+0.13%	Ascendia Bank 3.75% (+0.25%)
NM	91	0.40%	−0.10%	N/A
NV	130	2.92%	+0.02%	N/A
NY	1395	3.15%	+0.13%	N/A
OH	778	2.67%	±0.00%	Portage Community Bank 3.75% (+0.50%)
OK	66	2.80%	−0.50%	N/A
OR	381	2.63%	+0.23%	Oregon Coast Bank 3.60% (−0.40%)
PA	1174	3.07%	+0.08%	Phoenixville Federal Bank and Trust 3.75% (+0.75%)
RI	53	2.75%	±0.00%	N/A
SC	212	1.31%	±0.00%	N/A
SD	26	0.30%	−1.45%	Heritage Bank National Association 3.25% (−0.25%)
TN	570	2.27%	±0.00%	First National Bank of Eastern Arkansas 3.34% (−0.18%)
TX	842	3.05%	+0.15%	First State Bank and Trust Company 2.02% (+1.07%)
UT	138	3.30%	+1.13%	Varo Bank, National Association 3.35% (+2.65%)
VA	461	2.95%	−0.05%	N/A
VT	50	1.85%	±0.00%	N/A
WA	687	3.05%	+0.13%	N/A
WI	654	3.30%	−0.05%	N/A
WV	86	2.85%	±0.00%	N/A
WY	33	0.08%	−0.02%	N/A

CDs by State — 12-Month

State	Branches	Median APY	WoW Δ	Top Mover
AK	24	2.15%	±0.00%	N/A
AL	375	3.02%	±0.00%	EvaBank 3.75% (+0.40%)
AR	280	2.55%	+0.40%	First National Bank of Eastern Arkansas 3.29% (−0.21%)
AZ	519	3.20%	+0.16%	Unison Bank 3.40% (+0.36%)
CA	2890	3.05%	+0.00%	Murphy Bank 3.55% (−0.10%)
CO	545	3.15%	+0.11%	Golden Belt Bank, FSA 3.25% (−0.50%)
CT	715	2.75%	±0.00%	N/A
DC	99	1.88%	+0.13%	N/A
DE	117	3.00%	±0.00%	The Farmers Bank of Willards 3.15% (−0.03%)
FL	2180	2.91%	±0.00%	N/A
GA	668	2.00%	±0.00%	N/A
GU	5	2.83%	±0.00%	N/A
HI	185	2.75%	±0.00%	N/A
IA	386	2.94%	±0.00%	Reliance State Bank 3.43% (−0.15%)
ID	198	3.05%	+0.05%	Farmers Bank 3.80% (−0.05%)
IL	1389	2.00%	±0.00%	The Bank of Herrin 1.30% (−2.43%)
IN	741	2.38%	+0.13%	The Garrett State Bank 3.25% (+2.25%)
KS	535	2.95%	+0.05%	Golden Belt Bank, FSA 3.25% (−0.50%)
KY	445	2.19%	±0.00%	First Federal Savings Bank 3.28% (−0.27%)
LA	416	3.08%	±0.00%	N/A
MA	1293	2.75%	±0.00%	N/A
MD	717	1.88%	+0.13%	The Peoples Bank 3.50% (+3.25%)
ME	338	1.75%	+0.38%	N/A
MI	691	2.72%	−0.22%	N/A
MN	482	3.15%	±0.00%	Citizens Bank Minnesota 2.52% (+1.52%)
MO	686	3.00%	+0.10%	Central Bank of Kansas City 3.30% (−0.26%)
MP	2	2.83%	±0.00%	N/A
MS	242	1.50%	+0.25%	First Choice Bank 2.00% (+1.98%)
MT	33	3.00%	±0.00%	N/A
NC	976	1.01%	±0.00%	N/A
ND	119	3.25%	+0.21%	Unison Bank 3.40% (+0.36%)
NE	463	2.97%	+0.11%	Henderson State Bank 3.80% (+1.02%)
NH	228	3.03%	+0.02%	Claremont Savings Bank 0.35% (+0.10%)
NJ	1172	2.95%	+0.05%	N/A
NM	136	1.75%	±0.00%	First National Bank 3.53% (+0.25%)
NV	197	2.75%	+0.58%	N/A
NY	2542	2.91%	+0.12%	Cross County Savings Bank 3.35% (−0.10%)
OH	1073	2.25%	+0.13%	N/A
OK	279	2.83%	+0.03%	N/A
OR	515	2.97%	+0.17%	Oregon Coast Bank 2.50% (−0.15%)
PA	1713	2.65%	+0.13%	Altoona First Savings Bank 0.15% (−2.37%)
PR	1	3.40%	+1.68%	N/A
RI	130	2.25%	±0.00%	N/A
SC	451	1.56%	±0.00%	N/A
SD	78	3.27%	+0.02%	N/A
TN	738	3.00%	±0.00%	First National Bank of Eastern Arkansas 3.29% (−0.21%)
TX	1810	3.00%	−0.01%	NBT Financial Bank 2.53% (−0.50%)
UT	256	3.25%	−0.02%	N/A
VA	1029	2.25%	+0.05%	The Farmers Bank of Appomattox 3.30% (−0.15%)
VT	132	2.75%	±0.00%	Claremont Savings Bank 0.35% (+0.10%)
WA	967	3.25%	±0.00%	N/A
WI	1039	2.31%	−0.06%	Farmers and Merchants Union Bank 3.38% (−0.10%)
WV	206	1.50%	±0.00%	First Exchange Bank 3.75% (−0.15%)
WY	49	3.09%	+0.43%	Security State Bank 3.09% (−0.26%)

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 18, 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 18, 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