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Weekly CD Rate Report

Week ending February 1, 2026

Comparison week ending January 25, 2026

Key stats

All US banks · week-over-week
3-month CD
1.75%
median APY
±0.00% WoW
Matching Treasury
3.67%−3 bps
6-month CD
3.00%
median APY
±0.00% WoW
Matching Treasury
3.61%±0 bps
9-month CD
3.25%
median APY
±0.00% WoW
Matching Treasury
3.54%−2 bps
12-month CD
3.00%
median APY
±0.00% WoW
Matching Treasury
3.48%−5 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 against a mixed Treasury backdrop.
  • The 3-month median APY held flat at 1.75% this week. Tier-level moves were broadly flat across deposit sizes. The matching 3-month Treasury yield fell 3 bps to 3.67% over the same week.
  • The 6-month median APY held flat at 3.00% this week. Tier-level moves were broadly flat across deposit sizes. The matching 6-month Treasury yield held flat to 3.61%.
  • The 9-month median APY held flat at 3.25% this week. Tier-level moves were broadly flat across deposit sizes. The matching 9-month Treasury yield fell 2 bps to 3.54% 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 5 bps to 3.48% over the same week. Unusual: one moved materially while the other was essentially flat.

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
$10.90T
1.86%
±0.00%
1.75%
±0.00%
0.01%
Regions Bank · $500 min
4.11%
Omb Bank · $1K min
N/A
≥ $100B
$8.03T
1.93%
±0.00%
2.50%
±0.00%
0.01%
Regions Bank · $500 min
4.00%
JPMorgan Chase Bank, National Association · $250K min
N/A
$50B – $100B
$734.6B
1.83%
±0.00%
2.25%
±0.00%
0.01%
Webster Bank, National Association · $500 min
4.00%
Valley National Bank · $500 min
N/A
$10B – $50B
$950.6B
2.61%
±0.00%
3.25%
±0.00%
0.02%
Associated Bank, National Association · $1K min
4.01%
State Bank of India · No min
N/A
$5B – $10B
$350.7B
2.37%
±0.00%
2.80%
±0.00%
0.05%
The Camden National Bank · $500 min
4.05%
Needham Bank · $1K min
N/A
< $5B
$835.5B
1.78%
±0.00%
1.50%
±0.00%
0.01%
Citizens Trust Bank · $100K min
4.11%
Omb Bank · $1K min
N/A

Median 3-month APY held flat at 1.75%. Tier-level moves were broadly flat across deposit sizes. The matching 3-month Treasury yield fell 3 bps to 3.67% over the same week.

6-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$10.90T
2.46%
±0.00%
3.00%
±0.00%
0.01%
USAA Federal Savings Bank · $250 min
4.75%
Third Federal Savings and Loan Association of Cleveland · $500 min
N/A
≥ $100B
$8.03T
2.43%
±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
$734.6B
2.24%
±0.00%
3.40%
±0.00%
0.01%
USAA Federal Savings Bank · $250 min
3.80%
Flagstar Bank, National Association · $3K min
N/A
$10B – $50B
$950.6B
2.89%
±0.00%
3.33%
±0.00%
0.05%
Eastern Bank · $3K min
4.75%
Third Federal Savings and Loan Association of Cleveland · $500 min
N/A
$5B – $10B
$350.7B
2.56%
±0.00%
3.17%
±0.00%
0.10%
Five Star Bank · $500 min
4.05%
Needham Bank · $250 min
N/A
< $5B
$835.5B
2.43%
±0.00%
3.00%
±0.00%
0.01%
First Citizens Bank · $500 min
4.27%
Climate First Bank · $500 min
N/A

Median 6-month APY held flat at 3.00%. Tier-level moves were broadly flat across deposit sizes. The matching 6-month Treasury yield held flat to 3.61%.

9-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$10.90T
2.62%
±0.00%
3.25%
±0.00%
0.02%
Associated Bank, National Association · $1K min
5.30%
Citizens Community Federal National Association · $5K min
N/A
≥ $100B
$8.03T
1.94%
±0.00%
2.00%
±0.00%
0.03%
Regions Bank · $500 min
4.10%
Morgan Stanley Private Bank, National Association · No min
N/A
$50B – $100B
$734.6B
2.04%
±0.00%
2.27%
±0.00%
0.10%
First Horizon Bank · No min
3.86%
CIBC Bank USA · $1K min
N/A
$10B – $50B
$950.6B
2.80%
±0.00%
3.33%
±0.00%
0.02%
Associated Bank, National Association · $1K min
4.06%
State Bank of India · No min
N/A
$5B – $10B
$350.7B
2.67%
±0.00%
3.25%
±0.00%
0.05%
Old Second National Bank · $1K min
4.00%
Needham Bank · $250 min
N/A
< $5B
$835.5B
2.64%
±0.00%
3.25%
±0.00%
0.04%
The Cecilian Bank · $1K min
5.30%
Citizens Community Federal National Association · $5K min
N/A

Median 9-month APY held flat at 3.25%. Tier-level moves were broadly flat across deposit sizes. The matching 9-month Treasury yield fell 2 bps to 3.54% over the same week.

12-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$10.90T
2.44%
±0.00%
3.00%
±0.00%
0.01%
USAA Federal Savings Bank · $250 min
4.30%
Mid-America Bank · $500 min
N/A
≥ $100B
$8.03T
2.25%
±0.00%
3.13%
±0.00%
0.03%
Regions Bank · $500 min
4.10%
Morgan Stanley Private Bank, National Association · No min
N/A
$50B – $100B
$734.6B
2.04%
±0.00%
2.50%
±0.00%
0.01%
USAA Federal Savings Bank · $250 min
3.70%
Flagstar Bank, National Association · $500 min
N/A
$10B – $50B
$950.6B
2.63%
±0.00%
3.00%
±0.00%
0.05%
Eastern Bank · $10 min
4.06%
State Bank of India · No min
N/A
$5B – $10B
$350.7B
2.41%
±0.00%
2.85%
±0.00%
0.08%
Central Pacific Bank · $1K min
3.85%
RBC Bank, (Georgia) National Association · No min
N/A
< $5B
$835.5B
2.44%
±0.00%
3.00%
±0.00%
0.03%
Bath State Bank · $50K min
4.30%
Mid-America Bank · $500 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 5 bps to 3.48% 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

  • NY · 3-month: 3.00% (±0.00%)
  • UT · 3-month: 0.70% (±0.00%)
  • CA · 3-month: 3.06% (±0.00%)
  • AL · 3-month: 2.84% (±0.00%)
  • FL · 3-month: 3.00% (±0.00%)

CDs by State — 3-Month

StateBranchesMedian APYWoW ΔTop Mover
AK90.85%±0.00%N/A
AL3432.84%±0.00%N/A
AR1561.92%±0.00%N/A
AZ5012.25%±0.00%N/A
CA28843.06%±0.00%N/A
CO4512.53%±0.00%N/A
CT5170.75%±0.00%N/A
DC811.36%±0.00%N/A
DE753.25%±0.00%N/A
FL20203.00%±0.00%N/A
GA6392.00%±0.00%N/A
GU53.05%±0.00%N/A
HI1573.05%±0.00%N/A
IA3021.25%±0.00%N/A
ID1773.00%±0.00%N/A
IL12751.05%±0.00%N/A
IN5332.00%±0.00%N/A
KS4391.51%±0.00%N/A
KY2900.40%±0.00%N/A
LA3582.42%±0.00%N/A
MA8622.39%±0.00%N/A
MD4540.85%±0.00%N/A
ME2681.00%±0.00%N/A
MI4242.90%±0.00%N/A
MN3872.67%±0.00%N/A
MO6081.05%±0.00%N/A
MP23.05%±0.00%N/A
MS2000.50%±0.00%N/A
MT233.31%±0.00%N/A
NC6610.80%±0.00%N/A
ND1013.20%±0.00%N/A
NE2951.30%±0.00%N/A
NH1462.53%±0.00%N/A
NJ9462.67%±0.00%N/A
NM1120.58%±0.00%N/A
NV1921.29%±0.00%N/A
NY15683.00%±0.00%N/A
OH6360.55%±0.00%N/A
OK1822.52%±0.00%N/A
OR4232.43%±0.00%N/A
PA12021.25%±0.00%N/A
PR13.65%±0.00%N/A
RI1043.00%±0.00%N/A
SC3241.08%±0.00%N/A
SD553.25%±0.00%N/A
TN6691.25%±0.00%N/A
TX15742.13%±0.00%N/A
UT2010.70%±0.00%N/A
VA7871.21%±0.00%N/A
VT233.58%±0.00%N/A
WA7032.95%±0.00%N/A
WI8410.85%±0.00%N/A
WV1500.50%±0.00%N/A
WY512.32%±0.00%N/A

CDs by State — 6-Month

StateBranchesMedian APYWoW ΔTop Mover
AK243.00%±0.00%N/A
AL3693.01%±0.00%N/A
AR3322.95%±0.00%N/A
AZ4303.55%±0.00%N/A
CA21973.50%±0.00%N/A
CO5993.25%±0.00%N/A
CT6272.64%±0.00%N/A
DC752.87%±0.00%N/A
DE1073.50%±0.00%N/A
FL16383.50%±0.00%N/A
GA5361.75%±0.00%N/A
GU51.41%±0.00%N/A
HI1852.92%±0.00%N/A
IA3862.53%±0.00%N/A
ID1763.30%±0.00%N/A
IL11852.06%±0.00%N/A
IN6142.25%±0.00%N/A
KS5162.77%±0.00%N/A
KY3932.00%±0.00%N/A
LA4132.72%±0.00%N/A
MA11572.75%±0.00%N/A
MD5612.34%±0.00%N/A
ME3482.53%±0.00%N/A
MI5732.63%±0.00%N/A
MN4493.15%±0.00%N/A
MO6942.65%±0.00%N/A
MP21.41%±0.00%N/A
MS2420.95%±0.00%N/A
MT223.53%±0.00%N/A
NC7181.60%±0.00%N/A
ND1043.35%±0.00%N/A
NE4442.53%±0.00%N/A
NH2293.13%±0.00%N/A
NJ9643.30%±0.00%N/A
NM1142.52%±0.00%N/A
NV1442.92%±0.00%N/A
NY23323.25%±0.00%N/A
OH8912.80%±0.00%N/A
OK2802.91%±0.00%N/A
OR4743.27%±0.00%N/A
PA14353.00%±0.00%N/A
PR13.50%±0.00%N/A
RI1282.63%±0.00%N/A
SC3781.50%±0.00%N/A
SD783.28%±0.00%N/A
TN6933.50%±0.00%N/A
TX15323.17%±0.00%N/A
UT2243.65%±0.00%N/A
VA9012.35%±0.00%N/A
VT1353.25%±0.00%N/A
WA8353.42%±0.00%N/A
WI10351.90%±0.00%N/A
WV1752.50%±0.00%N/A
WY523.12%±0.00%N/A

CDs by State — 9-Month

StateBranchesMedian APYWoW ΔTop Mover
AK100.05%±0.00%N/A
AL2670.30%±0.00%N/A
AR1281.65%±0.00%N/A
AZ3762.52%±0.00%N/A
CA19813.17%±0.00%N/A
CO4302.38%±0.00%N/A
CT3472.38%±0.00%N/A
DC533.17%±0.00%N/A
DE383.50%±0.00%N/A
FL14312.27%±0.00%N/A
GA4662.88%±0.00%N/A
HI571.89%±0.00%N/A
IA2151.00%±0.00%N/A
ID1532.63%±0.00%N/A
IL9823.20%±0.00%N/A
IN4371.82%±0.00%N/A
KS1991.71%±0.00%N/A
KY2160.35%±0.00%N/A
LA3581.65%±0.00%N/A
MA6893.00%±0.00%N/A
MD3533.19%±0.00%N/A
ME1802.44%±0.00%N/A
MI3422.13%±0.00%N/A
MN2713.25%±0.00%N/A
MO4052.54%±0.00%N/A
MS1530.30%±0.00%N/A
MT220.50%±0.00%N/A
NC5901.10%±0.00%N/A
ND380.50%±0.00%N/A
NE2541.71%±0.00%N/A
NH1203.27%±0.00%N/A
NJ5373.25%±0.00%N/A
NM910.40%±0.00%N/A
NV1302.92%±0.00%N/A
NY13953.15%±0.00%N/A
OH7782.67%±0.00%N/A
OK662.80%±0.00%N/A
OR3812.63%±0.00%N/A
PA11743.07%±0.00%N/A
RI532.75%±0.00%N/A
SC2121.31%±0.00%N/A
SD260.30%±0.00%N/A
TN5702.27%±0.00%N/A
TX8423.05%±0.00%N/A
UT1383.30%±0.00%N/A
VA4612.95%±0.00%N/A
VT501.85%±0.00%N/A
WA6873.05%±0.00%N/A
WI6543.30%±0.00%N/A
WV862.85%±0.00%N/A
WY330.08%±0.00%N/A

CDs by State — 12-Month

StateBranchesMedian APYWoW ΔTop Mover
AK242.15%±0.00%N/A
AL3753.02%±0.00%N/A
AR2802.55%±0.00%N/A
AZ5193.20%±0.00%N/A
CA28903.05%±0.00%N/A
CO5453.15%±0.00%N/A
CT7152.75%±0.00%N/A
DC991.88%±0.00%N/A
DE1173.00%±0.00%N/A
FL21802.91%±0.00%N/A
GA6682.00%±0.00%N/A
GU52.83%±0.00%N/A
HI1852.75%±0.00%N/A
IA3862.94%±0.00%N/A
ID1983.05%±0.00%N/A
IL13892.00%±0.00%N/A
IN7412.38%±0.00%N/A
KS5352.95%±0.00%N/A
KY4452.19%±0.00%N/A
LA4163.08%±0.00%N/A
MA12932.75%±0.00%N/A
MD7171.88%±0.00%N/A
ME3381.75%±0.00%N/A
MI6912.72%±0.00%N/A
MN4823.15%±0.00%N/A
MO6863.00%±0.00%N/A
MP22.83%±0.00%N/A
MS2421.50%±0.00%N/A
MT333.00%±0.00%N/A
NC9761.01%±0.00%N/A
ND1193.25%±0.00%N/A
NE4632.97%±0.00%N/A
NH2283.03%±0.00%N/A
NJ11722.95%±0.00%N/A
NM1361.75%±0.00%N/A
NV1972.75%±0.00%N/A
NY25422.91%±0.00%N/A
OH10732.25%±0.00%N/A
OK2792.83%±0.00%N/A
OR5152.97%±0.00%N/A
PA17132.65%±0.00%N/A
PR13.40%±0.00%N/A
RI1302.25%±0.00%N/A
SC4511.56%±0.00%N/A
SD783.27%±0.00%N/A
TN7383.00%±0.00%N/A
TX18103.00%±0.00%N/A
UT2563.25%±0.00%N/A
VA10292.25%±0.00%N/A
VT1322.75%±0.00%N/A
WA9673.25%±0.00%N/A
WI10392.31%±0.00%N/A
WV2061.50%±0.00%N/A
WY493.09%±0.00%N/A

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