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Weekly CD Rate Report

Week ending February 22, 2026

Comparison week ending February 15, 2026

Key stats

All US banks · week-over-week
3-month CD
2.00%
median APY
±0.00% WoW
Matching Treasury
3.69%+1 bps
6-month CD
3.00%
median APY
±0.00% WoW
Matching Treasury
3.61%+2 bps
9-month CD
3.25%
median APY
±0.00% WoW
Matching Treasury
3.56%+5 bps
12-month CD
3.00%
median APY
±0.00% WoW
Matching Treasury
3.51%+9 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 2.00% this week. Tier-level moves were broadly flat across deposit sizes. The matching 3-month Treasury yield rose 1 bps to 3.69% 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 rose 2 bps to 3.61% over the same week.
  • 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 rose 5 bps to 3.56% over the same week. Unusual: one moved materially while the other was essentially flat.
  • 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 rose 9 bps to 3.51% 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
$11.08T
1.89%
±0.00%
2.00%
±0.00%
0.01%
Webster Bank, National Association · $500 min
4.11%
Omb Bank · $1K min
N/A
≥ $100B
$8.07T
2.18%
±0.00%
3.00%
±0.00%
0.05%
BMO Bank National Association · $1K min
4.00%
JPMorgan Chase Bank, National Association · $250K min
N/A
$50B – $100B
$893.8B
1.55%
±0.00%
1.21%
±0.00%
0.01%
Webster Bank, National Association · $500 min
3.65%
Valley National Bank · $500 min
N/A
$10B – $50B
$942.8B
2.50%
±0.00%
3.19%
±0.00%
0.02%
Associated Bank, National Association · $1K min
4.01%
State Bank of India · No min
N/A
$5B – $10B
$335.6B
2.30%
±0.00%
3.00%
±0.00%
0.03%
Central Pacific Bank · $100K min
3.80%
Bankers Trust Company · $1K min
N/A
< $5B
$833.4B
1.83%
±0.00%
1.66%
±0.00%
0.03%
The Union Bank Company · $500 min
4.11%
Omb Bank · $1K min
N/A

Median 3-month APY held flat at 2.00%. Tier-level moves were broadly flat across deposit sizes. The matching 3-month Treasury yield rose 1 bps to 3.69% over the same week.

6-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$11.08T
2.48%
±0.00%
3.00%
±0.00%
0.01%
First Citizens Bank · $500 min
4.27%
Climate First Bank · $500 min
N/A
≥ $100B
$8.07T
2.19%
±0.00%
2.75%
±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
2.33%
±0.00%
2.84%
±0.00%
0.01%
Webster Bank, National Association · $500 min
3.70%
Flagstar Bank, National Association · $3K min
N/A
$10B – $50B
$942.8B
2.75%
±0.00%
3.07%
±0.00%
0.05%
Eastern Bank · $3K min
4.06%
State Bank of India · No min
N/A
$5B – $10B
$335.6B
2.71%
±0.00%
3.36%
±0.00%
0.02%
Central Pacific Bank · $500 min
4.00%
Republic Bank & Trust Company · $1K min
N/A
< $5B
$833.4B
2.45%
±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 rose 2 bps to 3.61% over the same week.

9-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$11.08T
2.66%
±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
$8.07T
2.44%
±0.00%
3.25%
±0.00%
0.05%
BMO Bank National Association · $1K min
4.00%
Goldman Sachs Bank USA · $500 min
N/A
$50B – $100B
$893.8B
2.36%
±0.00%
2.51%
±0.00%
0.10%
First Horizon Bank · No min
3.86%
CIBC Bank USA · $1K min
N/A
$10B – $50B
$942.8B
2.61%
±0.00%
3.13%
±0.00%
0.02%
Associated Bank, National Association · $1K min
4.06%
State Bank of India · No min
N/A
$5B – $10B
$335.6B
2.94%
±0.00%
3.27%
±0.00%
0.05%
Old Second National Bank · $1K min
4.00%
Capitol Federal Savings Bank · $1K min
N/A
< $5B
$833.4B
2.65%
±0.00%
3.25%
±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 3.25%. Tier-level moves were broadly flat across deposit sizes. The matching 9-month Treasury yield rose 5 bps to 3.56% over the same week.

12-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$11.08T
2.45%
±0.00%
3.00%
±0.00%
0.01%
First Citizens Bank · $500 min
4.59%
The Pitney Bowes Bank, Inc. · No min
N/A
≥ $100B
$8.07T
2.23%
±0.00%
2.63%
±0.00%
0.03%
Bank of America, National Association · $1K min
4.00%
Goldman Sachs Bank USA · $500 min
N/A
$50B – $100B
$893.8B
2.20%
±0.00%
2.09%
±0.00%
0.10%
First Horizon Bank · No min
3.80%
Synchrony Bank · No min
N/A
$10B – $50B
$942.8B
2.57%
±0.00%
2.98%
±0.00%
0.10%
Eastern Bank · $500 min
4.06%
State Bank of India · No min
N/A
$5B – $10B
$335.6B
2.42%
±0.00%
2.90%
±0.00%
0.04%
Central Pacific Bank · $500 min
3.85%
RBC Bank, (Georgia) National Association · No min
N/A
< $5B
$833.4B
2.46%
±0.00%
3.00%
±0.00%
0.01%
First Citizens Bank · $500 min
4.59%
The Pitney Bowes Bank, Inc. · No 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 rose 9 bps to 3.51% 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: 2.88% (±0.00%)
  • UT · 3-month: 1.44% (±0.00%)
  • NY · 3-month: 2.80% (±0.00%)
  • CA · 3-month: 3.00% (±0.00%)
  • AL · 3-month: 3.22% (±0.00%)

CDs by State — 3-Month

StateBranchesMedian APYWoW ΔTop Mover
AK90.85%±0.00%N/A
AL1703.22%±0.00%N/A
AR981.05%±0.00%N/A
AZ5652.21%±0.00%N/A
CA32353.00%±0.00%N/A
CO4962.23%±0.00%N/A
CT4900.88%±0.00%N/A
DC961.81%±0.00%N/A
DE753.25%±0.00%N/A
FL18052.88%±0.00%N/A
GA5172.50%±0.00%N/A
GU52.95%±0.00%N/A
HI1843.00%±0.00%N/A
IA2901.25%±0.00%N/A
ID2022.71%±0.00%N/A
IL13091.26%±0.00%N/A
IN4901.66%±0.00%N/A
KS4411.50%±0.00%N/A
KY2952.00%±0.00%N/A
LA2792.83%±0.00%N/A
MA7412.88%±0.00%N/A
MD4601.00%±0.00%N/A
ME2681.00%±0.00%N/A
MI4493.00%±0.00%N/A
MN3902.52%±0.00%N/A
MO5661.05%±0.00%N/A
MP22.95%±0.00%N/A
MS960.50%±0.00%N/A
MT233.31%±0.00%N/A
NC6601.10%±0.00%N/A
ND1013.40%±0.00%N/A
NE2951.25%±0.00%N/A
NH1432.76%±0.00%N/A
NJ8652.75%±0.00%N/A
NM1230.15%±0.00%N/A
NV2432.17%±0.00%N/A
NY17272.80%±0.00%N/A
OH6531.31%±0.00%N/A
OK2192.52%±0.00%N/A
OR4242.30%±0.00%N/A
PA10861.51%±0.00%N/A
PR32.92%±0.00%N/A
RI813.00%±0.00%N/A
SC2961.08%±0.00%N/A
SD703.13%±0.00%N/A
TN4942.50%±0.00%N/A
TX16062.17%±0.00%N/A
UT2971.44%±0.00%N/A
VA8231.21%±0.00%N/A
VT233.50%±0.00%N/A
WA6862.75%±0.00%N/A
WI8250.50%±0.00%N/A
WV1530.50%±0.00%N/A
WY522.17%±0.00%N/A

CDs by State — 6-Month

StateBranchesMedian APYWoW ΔTop Mover
AK142.50%±0.00%N/A
AL1853.00%±0.00%N/A
AR1803.23%±0.00%N/A
AZ4813.22%±0.00%N/A
CA25483.50%±0.00%N/A
CO5063.23%±0.00%N/A
CT4882.14%±0.00%N/A
DC822.84%±0.00%N/A
DE723.00%±0.00%N/A
FL14193.48%±0.00%N/A
GA4142.29%±0.00%N/A
GU51.34%±0.00%N/A
HI1851.34%±0.00%N/A
IA3743.23%±0.00%N/A
ID1813.05%±0.00%N/A
IL12272.17%±0.00%N/A
IN5312.90%±0.00%N/A
KS5082.77%±0.00%N/A
KY3242.61%±0.00%N/A
LA3342.96%±0.00%N/A
MA10712.75%±0.00%N/A
MD4132.18%±0.00%N/A
ME3101.50%±0.00%N/A
MI5652.63%±0.00%N/A
MN4453.00%±0.00%N/A
MO6132.46%±0.00%N/A
MP21.34%±0.00%N/A
MS1380.95%±0.00%N/A
MT223.53%±0.00%N/A
NC7491.77%±0.00%N/A
ND1043.35%±0.00%N/A
NE4442.90%±0.00%N/A
NH1993.00%±0.00%N/A
NJ9113.00%±0.00%N/A
NM1252.34%±0.00%N/A
NV1952.92%±0.00%N/A
NY20443.30%±0.00%N/A
OH6892.60%±0.00%N/A
OK2442.88%±0.00%N/A
OR4143.22%±0.00%N/A
PA11663.00%±0.00%N/A
PR32.75%±0.00%N/A
RI1292.75%±0.00%N/A
SC3521.50%±0.00%N/A
SD803.23%±0.00%N/A
TN5183.50%±0.00%N/A
TX15613.06%±0.00%N/A
UT2893.50%±0.00%N/A
VA8342.18%±0.00%N/A
VT903.35%±0.00%N/A
WA6883.40%±0.00%N/A
WI10231.90%±0.00%N/A
WV1761.75%±0.00%N/A
WY532.98%±0.00%N/A

CDs by State — 9-Month

StateBranchesMedian APYWoW ΔTop Mover
AL830.50%±0.00%N/A
AR753.02%±0.00%N/A
AZ4402.17%±0.00%N/A
CA23323.02%±0.00%N/A
CO4192.61%±0.00%N/A
CT3252.75%±0.00%N/A
DC683.00%±0.00%N/A
DE403.42%±0.00%N/A
FL12173.17%±0.00%N/A
GA3443.49%±0.00%N/A
GU30.04%±0.00%N/A
HI751.87%±0.00%N/A
IA2283.25%±0.00%N/A
ID1582.79%±0.00%N/A
IL10223.23%±0.00%N/A
IN3663.25%±0.00%N/A
KS2772.92%±0.00%N/A
KY2163.05%±0.00%N/A
LA2792.79%±0.00%N/A
MA8263.00%±0.00%N/A
MD3593.14%±0.00%N/A
ME1592.85%±0.00%N/A
MI3232.50%±0.00%N/A
MN2673.25%±0.00%N/A
MO3713.27%±0.00%N/A
MP10.04%±0.00%N/A
MS550.50%±0.00%N/A
MT223.15%±0.00%N/A
NC5892.67%±0.00%N/A
ND383.25%±0.00%N/A
NE2542.10%±0.00%N/A
NH1333.23%±0.00%N/A
NJ6283.25%±0.00%N/A
NM1022.05%±0.00%N/A
NV1812.90%±0.00%N/A
NY14573.25%±0.00%N/A
OH6053.25%±0.00%N/A
OK1112.80%±0.00%N/A
OR3212.79%±0.00%N/A
PA11403.07%±0.00%N/A
PR23.00%±0.00%N/A
RI782.75%±0.00%N/A
SC1841.32%±0.00%N/A
SD412.98%±0.00%N/A
TN3953.25%±0.00%N/A
TX8843.05%±0.00%N/A
UT2033.35%±0.00%N/A
VA4693.00%±0.00%N/A
VT403.30%±0.00%N/A
WA5593.02%±0.00%N/A
WI6713.33%±0.00%N/A
WV862.85%±0.00%N/A
WY340.50%±0.00%N/A

CDs by State — 12-Month

StateBranchesMedian APYWoW ΔTop Mover
AK142.70%±0.00%N/A
AL1913.13%±0.00%N/A
AR1282.13%±0.00%N/A
AZ5842.58%±0.00%N/A
CA32413.00%±0.00%N/A
CO5363.15%±0.00%N/A
CT5502.51%±0.00%N/A
DC1062.00%±0.00%N/A
DE882.88%±0.00%N/A
FL19622.98%±0.00%N/A
GA5462.01%±0.00%N/A
GU52.65%±0.00%N/A
HI1852.65%±0.00%N/A
IA3823.09%±0.00%N/A
ID2033.00%±0.00%N/A
IL14382.19%±0.00%N/A
IN6512.65%±0.00%N/A
KS5272.90%±0.00%N/A
KY3732.75%±0.00%N/A
LA3373.10%±0.00%N/A
MA10822.50%±0.00%N/A
MD5652.00%±0.00%N/A
ME3000.93%±0.00%N/A
MI6832.97%±0.00%N/A
MN4883.15%±0.00%N/A
MO6052.50%±0.00%N/A
MP22.65%±0.00%N/A
MS1381.50%±0.00%N/A
MT333.00%±0.00%N/A
NC9701.25%±0.00%N/A
ND1193.25%±0.00%N/A
NE4633.10%±0.00%N/A
NH1972.76%±0.00%N/A
NJ10262.95%±0.00%N/A
NM1471.83%±0.00%N/A
NV2482.17%±0.00%N/A
NY21952.75%±0.00%N/A
OH8672.50%±0.00%N/A
OK2432.83%±0.00%N/A
OR4553.00%±0.00%N/A
PA13692.53%±0.00%N/A
PR32.70%±0.00%N/A
RI1072.00%±0.00%N/A
SC4331.63%±0.00%N/A
SD803.25%±0.00%N/A
TN5563.00%±0.00%N/A
TX18233.00%±0.00%N/A
UT3223.40%±0.00%N/A
VA10122.14%±0.00%N/A
VT872.51%±0.00%N/A
WA8203.15%±0.00%N/A
WI10402.50%±0.00%N/A
WV2041.25%±0.00%N/A
WY502.60%±0.00%N/A

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