Weekly CD Rate Report

Week ending February 8, 2026

Comparison week ending February 1, 2026

Key stats

All US banks · week-over-week
3-month CD
1.86%
median APY
+0.11% WoW
Matching Treasury
3.68%+1 bps
6-month CD
3.00%
median APY
±0.00% WoW
Matching Treasury
3.59%−2 bps
9-month CD
3.25%
median APY
±0.00% WoW
Matching Treasury
3.52%−2 bps
12-month CD
3.00%
median APY
±0.00% WoW
Matching Treasury
3.45%−3 bps
At a glance

Executive Summary

  • CD rates were mixed, with the 3-month higher, the 6-month flat, the 9-month flat, and the 12-month flat against a mixed Treasury backdrop.
  • The 3-month median APY rose 11 bps to 1.86% this week. The ≥ $100B tier rose 50 bps and the $50B – $100B tier fell 104 bps. The matching 3-month Treasury yield rose 1 bps to 3.68% over the same week. Unusual: one moved materially while the other was essentially flat. Largest single-bank move: TrustCo Bank cut 325 bps.
  • The 6-month median APY held flat at 3.00% this week. The $5B – $10B tier rose 19 bps and the ≥ $100B tier fell 75 bps. The matching 6-month Treasury yield fell 2 bps to 3.59% over the same week. Largest single-bank move: Chemung Canal Trust Company raised 345 bps.
  • The 9-month median APY held flat at 3.25% this week. The ≥ $100B tier rose 125 bps and the $10B – $50B tier fell 20 bps. The matching 9-month Treasury yield fell 2 bps to 3.52% over the same week. Largest single-bank move: TrustCo Bank raised 335 bps.
  • The 12-month median APY held flat at 3.00% this week. The $5B – $10B tier rose 5 bps and the ≥ $100B tier fell 50 bps. The matching 12-month Treasury yield fell 3 bps to 3.45% over the same week. Largest single-bank move: El Dorado Savings Bank, F.S.B. cut 309 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
$11.08T
1.86%
−0.00%
1.86%
+0.11%
0.01%
4.11%
Omb Bank · $1K min
0.75% (−3.25%)
≥ $100B
$8.07T
2.18%
+0.25%
3.00%
+0.50%
0.05%
4.00%
3.80% (+0.10%)
$50B – $100B
$893.8B
1.55%
−0.28%
1.21%
−1.04%
0.01%
3.65%
3.65% (−0.35%)
$10B – $50B
$942.8B
2.50%
−0.11%
3.19%
−0.06%
0.02%
4.01%
0.75% (−1.00%)
$5B – $10B
$335.6B
2.30%
−0.07%
3.00%
+0.20%
0.03%
3.80%
0.75% (−3.25%)
< $5B
$833.7B
1.79%
+0.01%
1.51%
+0.01%
0.01%
Citizens Trust Bank · $100K min
4.11%
Omb Bank · $1K min
0.10% (−1.19%)

Median 3-month APY rose 11 bps to 1.86%. The ≥ $100B tier rose 50 bps and the $50B – $100B tier fell 104 bps. The matching 3-month Treasury yield rose 1 bps to 3.68% over the same week.

6-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$11.08T
2.46%
+0.00%
3.00%
±0.00%
0.01%
4.27%
Climate First Bank · $500 min
3.55% (+3.45%)
≥ $100B
$8.07T
2.19%
−0.24%
2.75%
−0.75%
0.01%
4.05%
3.50% (−0.40%)
$50B – $100B
$893.8B
2.33%
+0.09%
2.84%
−0.56%
0.01%
3.70%
2.25% (+2.24%)
$10B – $50B
$942.8B
2.75%
−0.14%
3.07%
−0.26%
0.05%
Eastern Bank · $3K min
4.06%
2.75% (−2.00%)
$5B – $10B
$335.6B
2.71%
+0.15%
3.36%
+0.19%
0.02%
4.00%
3.75% (+3.35%)
< $5B
$833.7B
2.44%
+0.01%
3.00%
±0.00%
0.01%
4.27%
Climate First Bank · $500 min
3.55% (+3.45%)

Median 6-month APY held flat at 3.00%. The $5B – $10B tier rose 19 bps and the ≥ $100B tier fell 75 bps. The matching 6-month Treasury yield fell 2 bps to 3.59% over the same week.

9-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$11.08T
2.64%
+0.02%
3.25%
±0.00%
0.02%
5.30%
3.75% (+3.35%)
≥ $100B
$8.07T
2.44%
+0.50%
3.25%
+1.25%
0.05%
4.00%
3.25% (+3.20%)
$50B – $100B
$893.8B
2.36%
+0.32%
2.51%
+0.24%
0.10%
3.86%
CIBC Bank USA · $1K min
3.40% (+0.40%)
$10B – $50B
$942.8B
2.61%
−0.19%
3.13%
−0.20%
0.02%
4.06%
3.50% (−0.25%)
$5B – $10B
$335.6B
2.94%
+0.28%
3.27%
+0.02%
0.05%
4.00%
3.75% (+3.35%)
< $5B
$833.7B
2.63%
−0.02%
3.25%
±0.00%
0.04%
5.30%
0.20% (−3.09%)

Median 9-month APY held flat at 3.25%. The ≥ $100B tier rose 125 bps and the $10B – $50B tier fell 20 bps. The matching 9-month Treasury yield fell 2 bps to 3.52% over the same week.

12-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$11.08T
2.43%
−0.00%
3.00%
±0.00%
0.03%
4.30%
Mid-America Bank · $500 min
0.20% (−3.09%)
≥ $100B
$8.07T
2.23%
−0.02%
2.63%
−0.50%
0.03%
4.00%
1.50% (−0.25%)
$50B – $100B
$893.8B
2.20%
+0.16%
2.09%
−0.41%
0.10%
3.80%
Synchrony Bank · No min
1.80% (+1.79%)
$10B – $50B
$942.8B
2.57%
−0.06%
2.98%
−0.02%
0.10%
Eastern Bank · $500 min
4.06%
2.95% (+1.15%)
$5B – $10B
$335.6B
2.42%
+0.01%
2.90%
+0.05%
0.04%
3.85%
3.50% (+2.25%)
< $5B
$833.7B
2.43%
−0.00%
3.00%
±0.00%
0.03%
Bath State Bank · $50K min
4.30%
Mid-America Bank · $500 min
0.20% (−3.09%)

Median 12-month APY held flat at 3.00%. The $5B – $10B tier rose 5 bps and the ≥ $100B tier fell 50 bps. The matching 12-month Treasury yield fell 3 bps to 3.45% 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

  • ND · 9-month: 3.25% (+2.75%)
  • KY · 9-month: 3.05% (+2.70%)
  • SD · 9-month: 2.98% (+2.68%)
  • MT · 9-month: 3.15% (+2.65%)
  • IA · 9-month: 2.94% (+1.94%)

CDs by State — 3-Month

StateBranchesMedian APYWoW ΔTop Mover
AK90.85%±0.00%N/A
AL1593.19%+0.35%
3.65% (−0.35%)
AR1031.92%±0.00%N/A
AZ5652.21%−0.04%
3.80% (+2.19%)
CA32353.00%−0.06%
0.10% (−1.19%)
CO4982.29%−0.24%
0.75% (−1.00%)
CT4900.88%+0.13%N/A
DC961.81%+0.45%
3.50% (+0.10%)
DE753.25%±0.00%N/A
FL18052.88%−0.13%
0.75% (−3.25%)
GA5172.50%+0.50%N/A
GU52.95%−0.10%
2.90% (−0.15%)
HI1843.00%−0.05%
2.90% (−0.15%)
IA2981.13%−0.12%
3.80% (+2.19%)
ID2022.71%−0.29%N/A
IL13151.02%−0.03%
0.75% (−1.00%)
IN4922.35%+0.35%N/A
KS4411.50%−0.01%
0.75% (−1.00%)
KY2810.73%+0.33%
3.40% (+0.05%)
LA2792.83%+0.42%N/A
MA7571.63%−0.76%
0.75% (−3.25%)
MD4641.00%+0.15%
3.50% (+0.10%)
ME2681.00%±0.00%N/A
MI4243.00%+0.10%
3.05% (+0.25%)
MN3872.76%+0.10%
3.05% (+0.25%)
MO5621.03%−0.02%
0.75% (−1.00%)
MP22.95%−0.10%
2.90% (−0.15%)
MS1020.60%+0.10%N/A
MT233.31%±0.00%N/A
NC6550.85%+0.05%
3.50% (+0.10%)
ND1013.20%±0.00%N/A
NE2951.10%−0.20%
3.80% (+2.19%)
NH1361.76%−0.76%
3.80% (−0.25%)
NJ8682.55%−0.13%
0.75% (−3.25%)
NM1260.58%±0.00%N/A
NV2422.21%+0.92%
0.10% (−1.19%)
NY17272.80%−0.20%
0.75% (−3.25%)
OH6270.60%+0.05%
0.03% (−0.07%)
OK2252.25%−0.27%N/A
OR4242.30%−0.13%N/A
PA11091.21%−0.04%
2.75% (+0.15%)
PR32.92%−0.73%
3.60% (−0.05%)
RI853.00%±0.00%
3.09% (−0.10%)
SC3061.25%+0.17%N/A
SD703.13%−0.12%
0.75% (−1.00%)
TN4731.89%+0.64%N/A
TX16052.17%+0.04%
0.75% (−1.00%)
UT2971.44%+0.74%
3.80% (+0.10%)
VA7951.36%+0.16%
3.50% (+0.10%)
VT233.50%−0.08%
0.75% (−3.25%)
WA7052.85%−0.10%N/A
WI8410.85%±0.00%
3.05% (+0.25%)
WV1500.50%±0.00%N/A
WY522.17%−0.15%
0.75% (−1.00%)

CDs by State — 6-Month

StateBranchesMedian APYWoW ΔTop Mover
AK142.50%−0.50%N/A
AL1853.00%−0.01%
2.28% (−0.74%)
AR1803.25%+0.30%
0.50% (−0.25%)
AZ4813.22%−0.33%
2.25% (+2.24%)
CA25483.50%±0.00%
3.15% (+3.05%)
CO5083.17%−0.08%
0.75% (−0.50%)
CT4752.28%−0.36%
3.00% (−0.75%)
DC822.84%−0.03%
2.18% (+0.82%)
DE723.00%−0.50%
3.00% (−0.75%)
FL14193.48%−0.02%
3.75% (+3.35%)
GA4142.29%+0.54%
0.50% (−0.25%)
GU51.34%−0.06%
2.60% (−0.15%)
HI1851.34%−1.58%
0.02% (−3.18%)
IA3822.88%+0.35%
0.75% (−0.50%)
ID1813.05%−0.25%
0.50% (−0.25%)
IL12252.11%+0.05%
2.18% (+0.82%)
IN5242.63%+0.38%
3.50% (+2.49%)
KS5082.60%−0.17%
0.75% (−0.50%)
KY3212.00%±0.00%
0.50% (−0.25%)
LA3342.96%+0.24%
0.50% (−0.25%)
MA10862.75%±0.00%
3.75% (+3.35%)
MD4132.18%−0.16%
1.00% (−1.00%)
ME3022.27%−0.26%
0.50% (−0.25%)
MI5542.50%−0.13%
0.50% (−0.25%)
MN4493.20%+0.05%
3.80% (−0.26%)
MO6092.52%−0.13%
0.75% (−0.50%)
MP21.34%−0.06%
2.60% (−0.15%)
MS1441.02%+0.07%
2.28% (−0.74%)
MT223.53%±0.00%
0.50% (−0.25%)
NC7491.77%+0.17%
2.18% (+0.82%)
ND1043.35%±0.00%
0.50% (−0.25%)
NE4442.53%±0.00%
0.75% (−0.50%)
NH2053.00%−0.13%
3.00% (−0.75%)
NJ9073.00%−0.30%
3.75% (+3.35%)
NM1282.17%−0.35%
0.50% (−0.25%)
NV1942.84%−0.08%
0.16% (−2.62%)
NY20443.15%−0.10%
3.55% (+3.45%)
OH6802.75%−0.05%
2.75% (−2.00%)
OK2442.91%±0.00%
0.50% (−0.25%)
OR4142.95%−0.32%
0.50% (−0.25%)
PA11723.00%±0.00%
3.55% (+3.45%)
PR32.75%−0.75%N/A
RI1282.63%±0.00%
3.00% (−0.75%)
SC3621.50%+0.00%
0.50% (−0.25%)
SD803.23%−0.05%
0.75% (−0.50%)
TN4973.50%±0.00%
0.50% (−0.25%)
TX15603.05%−0.12%
2.25% (+2.24%)
UT2893.50%−0.15%
3.50% (−0.40%)
VA8342.18%−0.17%
2.18% (+0.82%)
VT903.35%+0.10%
3.75% (+3.35%)
WA6983.42%±0.00%
0.50% (−0.25%)
WI10351.90%±0.00%
2.28% (−0.74%)
WV1732.13%−0.38%
0.50% (−0.25%)
WY532.98%−0.14%
0.75% (−0.50%)

CDs by State — 9-Month

StateBranchesMedian APYWoW ΔTop Mover
AL830.50%+0.20%N/A
AR753.02%+1.38%
3.25% (+3.20%)
AZ4402.17%−0.35%
3.25% (+3.20%)
CA23323.02%−0.15%
3.25% (+3.20%)
CO4213.05%+0.67%
3.25% (+3.20%)
CT3252.75%+0.38%
3.75% (+0.25%)
DC683.00%−0.17%
3.75% (+0.25%)
DE403.42%−0.08%
3.75% (+0.25%)
FL12173.17%+0.90%
3.75% (+3.35%)
GA3443.49%+0.61%N/A
GU30.04%N/A
HI751.87%−0.02%N/A
IA2362.94%+1.94%
3.25% (+3.20%)
ID1582.79%+0.16%
3.25% (+3.20%)
IL10223.23%+0.02%
3.25% (+3.20%)
IN3623.23%+1.41%
3.25% (+3.20%)
KS2772.92%+1.21%
3.25% (+3.20%)
KY2073.05%+2.70%
3.25% (+3.20%)
LA2792.79%+1.15%
3.75% (+0.25%)
MA8213.00%±0.00%
3.75% (+3.35%)
MD3633.17%−0.02%
3.75% (+0.25%)
ME1502.85%+0.42%
3.30% (−0.30%)
MI3232.50%+0.38%
3.60% (+0.25%)
MN2643.27%+0.02%
3.25% (+3.20%)
MO3713.27%+0.74%
3.25% (+3.20%)
MP10.04%N/A
MS550.50%+0.20%
3.30% (−0.20%)
MT223.15%+2.65%
3.25% (+3.20%)
NC5842.85%+1.75%
3.25% (+3.20%)
ND383.25%+2.75%
3.25% (+3.20%)
NE2542.10%+0.40%
3.25% (+3.20%)
NH1303.25%−0.02%
3.30% (−0.30%)
NJ6313.25%±0.00%
3.75% (+3.35%)
NM1051.78%+1.38%
3.25% (+3.20%)
NV1812.90%−0.02%
3.25% (+3.20%)
NY14573.05%−0.10%
3.75% (+3.35%)
OH6053.25%+0.58%
3.25% (+3.20%)
OK1112.80%±0.00%N/A
OR3212.79%+0.16%
3.25% (+3.20%)
PA11493.07%±0.00%
2.75% (+0.15%)
PR23.00%N/A
RI782.75%±0.00%
2.80% (−0.50%)
SC1941.75%+0.44%
3.70% (−0.05%)
SD412.98%+2.68%
3.25% (+3.20%)
TN3743.25%+0.98%
3.25% (+3.20%)
TX8783.05%±0.00%
3.25% (+3.20%)
UT2033.35%+0.05%
3.25% (+3.20%)
VA4693.00%+0.05%
3.75% (+0.25%)
VT403.30%+1.45%
3.75% (+3.35%)
WA5503.05%±0.00%
3.25% (+3.20%)
WI6543.33%+0.03%
3.25% (+3.20%)
WV862.85%±0.00%N/A
WY340.50%+0.42%
3.25% (+3.20%)

CDs by State — 12-Month

StateBranchesMedian APYWoW ΔTop Mover
AK142.70%+0.55%N/A
AL1913.13%+0.11%
2.28% (−0.74%)
AR1282.15%−0.40%
1.50% (−0.25%)
AZ5842.58%−0.62%
1.80% (+1.79%)
CA32413.00%−0.05%
0.20% (−3.09%)
CO5363.03%−0.12%
1.50% (−0.25%)
CT5502.51%−0.24%
2.53% (−0.50%)
DC1062.00%+0.13%
2.03% (+0.67%)
DE812.75%−0.25%
3.25% (−0.35%)
FL19622.98%+0.06%
2.95% (+1.15%)
GA5462.01%+0.01%
3.40% (+0.40%)
GU52.65%−0.18%
2.40% (−0.20%)
HI1852.65%−0.10%
2.40% (−0.20%)
IA3823.09%+0.15%
1.50% (−0.25%)
ID2033.00%−0.05%
1.50% (−0.25%)
IL14292.01%+0.01%
2.28% (−0.74%)
IN6512.65%+0.27%
3.50% (+2.25%)
KS5272.80%−0.15%
2.50% (−1.35%)
KY3732.19%±0.00%
1.50% (−0.25%)
LA3373.10%+0.02%
1.50% (−0.25%)
MA10872.53%−0.22%
2.53% (−0.67%)
MD5692.00%+0.13%
2.03% (+0.67%)
ME2921.50%−0.25%
2.53% (−0.50%)
MI6722.94%+0.22%
1.50% (−0.25%)
MN4853.17%+0.02%
3.55% (+0.60%)
MO6012.90%−0.10%
2.50% (−1.35%)
MP22.65%−0.18%
2.40% (−0.20%)
MS1441.50%±0.00%
2.28% (−0.74%)
MT333.00%±0.00%
1.50% (−0.25%)
NC9701.25%+0.24%
2.03% (+0.67%)
ND1193.25%±0.00%
1.50% (−0.25%)
NE4632.97%±0.00%
1.50% (−0.25%)
NH1943.00%−0.03%
2.53% (−0.50%)
NJ10292.85%−0.10%
1.50% (−0.25%)
NM1501.51%−0.24%
1.50% (−0.25%)
NV2472.09%−0.66%
0.20% (−3.09%)
NY21952.63%−0.28%
2.53% (−0.50%)
OH8622.63%+0.38%
2.95% (+1.15%)
OK2432.83%±0.00%
1.50% (−0.25%)
OR4552.97%±0.00%
1.50% (−0.25%)
PA13872.59%−0.06%
2.53% (−0.50%)
PR32.70%−0.70%N/A
RI1112.00%−0.25%
2.53% (−0.67%)
SC4331.53%−0.03%
1.50% (−0.25%)
SD803.25%−0.02%
3.29% (−0.26%)
TN5423.00%±0.00%
1.50% (−0.25%)
TX18223.00%±0.00%
1.80% (+1.79%)
UT3213.30%+0.05%
1.50% (−0.25%)
VA10122.14%−0.11%
2.03% (+0.67%)
VT872.51%−0.24%
2.53% (−0.50%)
WA8303.20%−0.05%
1.50% (−0.25%)
WI10392.26%−0.05%
2.28% (−0.74%)
WV2041.25%−0.25%
1.50% (−0.25%)
WY502.60%−0.49%
1.50% (−0.25%)

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