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Weekly CD Rate Report

Week ending March 22, 2026

Comparison week ending March 15, 2026

Key stats

All US banks · week-over-week
3-month CD
2.00%
median APY
−0.80% WoW
Matching Treasury
3.74%+2 bps
6-month CD
3.00%
median APY
−0.08% WoW
Matching Treasury
3.79%+9 bps
9-month CD
3.25%
median APY
±0.00% WoW
Matching Treasury
3.79%+11 bps
12-month CD
3.00%
median APY
±0.00% WoW
Matching Treasury
3.80%+14 bps
At a glance

Executive Summary

  • CD rates were mixed, with the 3-month lower, the 6-month lower, the 9-month flat, and the 12-month flat diverging from Treasury yields.
  • The 3-month median APY fell 80 bps to 2.00% this week. The < $5B tier fell 108 bps; no tier posted an increase. The matching 3-month Treasury yield rose 2 bps to 3.74% over the same week. Unusual: one moved materially while the other was essentially flat.
  • The 6-month median APY fell 8 bps to 3.00% this week. Tier-level moves were broadly flat across deposit sizes. The matching 6-month Treasury yield rose 9 bps to 3.79% over the same week. Unusual: CD and Treasury moves diverged in direction.
  • The 9-month median APY held flat at 3.25% this week. The < $5B tier rose 5 bps; no tier posted a decline. The matching 9-month Treasury yield rose 11 bps to 3.79% 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 14 bps to 3.80% 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
$9.50T
1.87%
−0.34%
2.00%
−0.80%
0.01%
Webster Bank, National Association · $500 min
4.15%
DR Bank · $500 min
N/A
≥ $100B
$6.50T
2.19%
±0.00%
2.90%
±0.00%
0.05%
BMO Bank National Association · $1K min
4.00%
JPMorgan Chase Bank, National Association · $100K min
N/A
$50B – $100B
$893.8B
1.37%
±0.00%
1.13%
±0.00%
0.01%
Webster Bank, National Association · $500 min
3.55%
Valley National Bank · $500 min
N/A
$10B – $50B
$957.3B
2.60%
±0.00%
3.22%
±0.00%
0.02%
Associated Bank, National Association · $1K min
3.96%
State Bank of India · No min
N/A
$5B – $10B
$330.0B
2.22%
±0.00%
2.90%
±0.00%
0.05%
The Camden National Bank · $500 min
3.80%
Bankers Trust Company · $1K min
N/A
< $5B
$821.3B
1.81%
−0.36%
1.56%
−1.08%
0.03%
Citizens Trust Bank · $500 min
4.15%
DR Bank · $500 min
N/A

Median 3-month APY fell 80 bps to 2.00%. The < $5B tier fell 108 bps; no tier posted an increase. The matching 3-month Treasury yield rose 2 bps to 3.74% over the same week.

6-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$9.50T
2.47%
−0.11%
3.00%
−0.08%
0.01%
First Citizens Bank · $500 min
4.28%
Beacon Community Bank · $250 min
N/A
≥ $100B
$6.50T
2.48%
±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
$893.8B
2.63%
±0.00%
3.10%
±0.00%
0.10%
First Horizon Bank · No min
3.70%
Flagstar Bank, National Association · $3K min
N/A
$10B – $50B
$957.3B
2.82%
±0.00%
3.11%
±0.00%
0.20%
Axos Bank · $1K min
4.06%
State Bank of India · No min
N/A
$5B – $10B
$330.0B
2.60%
±0.00%
3.29%
±0.00%
0.05%
Old Second National Bank · $1K min
4.00%
Republic Bank & Trust Company · $1K min
N/A
< $5B
$821.3B
2.44%
−0.07%
3.00%
±0.00%
0.01%
First Citizens Bank · $500 min
4.28%
Beacon Community Bank · $250 min
N/A

Median 6-month APY fell 8 bps to 3.00%. Tier-level moves were broadly flat across deposit sizes. The matching 6-month Treasury yield rose 9 bps to 3.79% over the same week.

9-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$9.50T
2.65%
+0.03%
3.25%
±0.00%
0.02%
Associated Bank, National Association · $1K min
5.30%
Citizens Community Federal National Association · $5K min
N/A
≥ $100B
$6.50T
2.51%
±0.00%
3.42%
±0.00%
0.05%
BMO Bank National Association · $1K min
4.10%
Morgan Stanley Private Bank, National Association · $5K min
N/A
$50B – $100B
$893.8B
2.30%
±0.00%
2.27%
±0.00%
0.10%
First Horizon Bank · No min
4.00%
CIBC Bank USA · $1K min
N/A
$10B – $50B
$957.3B
2.89%
±0.00%
3.35%
±0.00%
0.02%
Associated Bank, National Association · $1K min
4.15%
Comenity Capital Bank · $2K min
N/A
$5B – $10B
$330.0B
2.82%
±0.00%
3.25%
±0.00%
0.05%
Old Second National Bank · $1K min
4.00%
Capitol Federal Savings Bank · $1K min
N/A
< $5B
$821.3B
2.63%
+0.13%
3.25%
+0.05%
0.04%
First Federal Savings and Loan Association of Lakewood · $500 min
5.30%
Citizens Community Federal National Association · $5K min
N/A

Median 9-month APY held flat at 3.25%. The < $5B tier rose 5 bps; no tier posted a decline. The matching 9-month Treasury yield rose 11 bps to 3.79% over the same week.

12-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$9.50T
2.47%
−0.02%
3.00%
±0.00%
0.03%
OceanFirst Bank, National Association · $1 min
4.59%
The Pitney Bowes Bank, Inc. · No min
N/A
≥ $100B
$6.50T
2.53%
±0.00%
3.25%
±0.00%
0.05%
Truist Bank · $1K min
4.10%
Morgan Stanley Private Bank, National Association · $5K min
N/A
$50B – $100B
$893.8B
2.34%
±0.00%
2.54%
±0.00%
0.10%
First Horizon Bank · No min
3.80%
Synchrony Bank · No min
N/A
$10B – $50B
$957.3B
2.56%
±0.00%
3.00%
±0.00%
0.03%
OceanFirst Bank, National Association · $1 min
4.06%
State Bank of India · No min
N/A
$5B – $10B
$330.0B
2.48%
±0.00%
2.92%
±0.00%
0.10%
Old Second National Bank · $1K min
3.95%
EagleBank · $1K min
N/A
< $5B
$821.3B
2.47%
−0.02%
3.00%
±0.00%
0.03%
Bath State Bank · $50K 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 14 bps to 3.80% 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

  • OK · 9-month: 3.80% (+3.30%)
  • IA · 9-month: 3.25% (+2.85%)
  • ND · 9-month: 3.25% (+2.75%)
  • KY · 9-month: 3.15% (+2.65%)
  • AR · 9-month: 3.13% (+2.63%)

CDs by State — 3-Month

StateBranchesMedian APYWoW ΔTop Mover
AK93.30%—N/A
AL1703.22%±0.00%N/A
AR810.11%+0.03%N/A
AZ4732.21%+0.04%N/A
CA25202.94%+0.21%N/A
CO5442.29%+0.68%N/A
CT5520.88%−1.62%N/A
DC841.36%−0.32%N/A
DE1013.40%−0.10%N/A
FL13912.80%−0.10%N/A
GA3862.00%+0.13%N/A
GU22.90%±0.00%N/A
HI1123.00%±0.00%N/A
IA3151.00%+0.37%N/A
ID1962.43%+1.88%N/A
IL11951.21%+0.71%N/A
IN4670.80%+0.30%N/A
KS3541.50%+1.25%N/A
KY3511.05%−0.70%N/A
LA3043.00%±0.00%N/A
MA5352.75%−0.52%N/A
MD5331.00%−0.41%N/A
ME1931.00%−1.20%N/A
MI3762.80%−0.28%N/A
MN3682.52%−0.60%N/A
MO5111.05%+0.03%N/A
MP12.90%±0.00%N/A
MS960.50%+0.42%N/A
MT233.23%+1.20%N/A
NC6470.93%−0.26%N/A
ND1013.17%−0.23%N/A
NE2891.30%+1.16%N/A
NH1313.00%−0.60%N/A
NJ7522.65%−0.10%N/A
NM1100.15%+0.04%N/A
NV1901.65%±0.00%N/A
NY17722.55%−0.70%N/A
OH6500.50%±0.00%N/A
OK2001.41%+0.63%N/A
OR3882.17%+2.07%N/A
PA13931.33%−1.15%N/A
PR32.80%±0.00%N/A
RI463.13%−0.17%N/A
SC2511.00%±0.00%N/A
SD573.19%+1.19%N/A
TN4411.88%+0.20%N/A
TX10772.10%−0.07%N/A
UT2680.70%+0.30%N/A
VA7561.36%−0.60%N/A
VT583.50%+0.05%N/A
WA5692.75%+0.58%N/A
WI8090.65%+0.08%N/A
WV1540.75%−1.25%N/A
WY522.17%±0.00%N/A

CDs by State — 6-Month

StateBranchesMedian APYWoW ΔTop Mover
AK142.50%—N/A
AL1853.00%+0.72%N/A
AR2783.23%+1.90%N/A
AZ4763.20%+0.15%N/A
CA25463.42%+0.30%N/A
CO5083.20%+0.49%N/A
CT5922.75%−0.25%N/A
DC912.89%±0.00%N/A
DE1083.22%−0.03%N/A
FL14223.45%+0.25%N/A
GA4142.29%+0.54%N/A
GU22.60%±0.00%N/A
HI1132.85%±0.00%N/A
IA3663.25%+1.98%N/A
ID1973.13%+0.44%N/A
IL12042.31%+0.72%N/A
IN5202.50%±0.00%N/A
KS4852.77%±0.00%N/A
KY3872.02%+0.02%N/A
LA3592.85%+2.35%N/A
MA10162.90%−0.20%N/A
MD5992.50%+0.53%N/A
ME3012.53%+1.53%N/A
MI5652.62%−0.38%N/A
MN4453.00%−0.25%N/A
MO6482.79%+0.65%N/A
MP12.60%±0.00%N/A
MS1380.95%+0.80%N/A
MT233.64%+0.11%N/A
NC7931.75%+0.07%N/A
ND1043.28%−0.07%N/A
NE4323.06%+2.31%N/A
NH2193.00%+0.36%N/A
NJ9783.01%−0.29%N/A
NM1282.52%+1.02%N/A
NV1952.92%+0.08%N/A
NY23373.16%−0.29%N/A
OH7281.88%±0.00%N/A
OK3162.88%+1.38%N/A
OR4092.85%+0.32%N/A
PA14712.98%−0.02%N/A
PR33.25%±0.00%N/A
RI1173.00%±0.00%N/A
SC3681.50%+1.00%N/A
SD673.33%+0.33%N/A
TN5183.50%+0.66%N/A
TX13343.04%−0.01%N/A
UT2893.40%−0.10%N/A
VA8842.35%+0.39%N/A
VT1253.07%−0.23%N/A
WA6623.20%+0.35%N/A
WI10381.71%+0.20%N/A
WV1771.75%+0.75%N/A
WY532.98%+0.40%N/A

CDs by State — 9-Month

StateBranchesMedian APYWoW ΔTop Mover
AL830.50%+0.20%N/A
AR723.13%+2.63%N/A
AZ4362.61%+0.52%N/A
CA23302.79%±0.00%N/A
CO4073.15%+1.21%N/A
CT3252.75%+0.38%N/A
DC682.85%+0.29%N/A
DE403.42%±0.00%N/A
FL12173.05%+0.17%N/A
GA3443.50%+1.23%N/A
HI303.55%±0.00%N/A
IA2273.25%+2.85%N/A
ID1582.79%+0.08%N/A
IL10133.25%+1.88%N/A
IN3523.25%+1.37%N/A
KS2423.15%+1.44%N/A
KY2023.15%+2.65%N/A
LA3041.90%+1.40%N/A
MA7103.08%+0.03%N/A
MD3593.09%+0.24%N/A
ME1343.00%+0.05%N/A
MI3232.50%−0.73%N/A
MN2743.25%+1.43%N/A
MO3543.33%+0.08%N/A
MS160.30%+0.20%N/A
MT223.25%+1.38%N/A
NC5842.85%+0.58%N/A
ND383.25%+2.75%N/A
NE2481.71%+1.31%N/A
NH1223.25%+0.20%N/A
NJ6313.00%−0.25%N/A
NM891.33%±0.00%N/A
NV1812.53%+0.31%N/A
NY14523.20%−0.05%N/A
OH5722.85%+1.85%N/A
OK613.80%+3.30%N/A
OR3212.79%+0.08%N/A
PA11483.00%+0.08%N/A
PR22.00%±0.00%N/A
RI672.88%±0.00%N/A
SC1841.32%+0.82%N/A
SD282.00%+1.50%N/A
TN3703.25%+1.86%N/A
TX8463.05%+0.44%N/A
UT2033.35%−0.07%N/A
VA4692.85%+0.72%N/A
VT403.20%+1.35%N/A
WA5503.05%+0.15%N/A
WI6813.25%+1.08%N/A
WV862.85%+2.35%N/A
WY340.50%±0.00%N/A

CDs by State — 12-Month

StateBranchesMedian APYWoW ΔTop Mover
AK142.70%—N/A
AL1913.13%+0.85%N/A
AR2102.55%+1.05%N/A
AZ4793.00%+1.20%N/A
CA25523.00%+0.00%N/A
CO5003.17%+0.63%N/A
CT5842.70%+0.06%N/A
DC912.00%±0.00%N/A
DE1143.00%±0.00%N/A
FL15483.00%±0.00%N/A
GA4152.02%+0.02%N/A
GU22.40%±0.00%N/A
HI1132.65%±0.00%N/A
IA3783.25%+1.55%N/A
ID1973.00%+0.45%N/A
IL12862.41%+0.66%N/A
IN6312.52%−0.23%N/A
KS4803.00%+0.25%N/A
KY3872.75%+0.88%N/A
LA3623.02%+1.52%N/A
MA8852.75%±0.00%N/A
MD6072.13%+0.13%N/A
ME2791.94%+0.69%N/A
MI6103.00%−0.20%N/A
MN4663.17%±0.00%N/A
MO5892.90%+0.40%N/A
MP12.40%±0.00%N/A
MS1381.50%+1.30%N/A
MT333.09%+0.72%N/A
NC8611.36%±0.00%N/A
ND1193.04%−0.08%N/A
NE4593.20%+2.20%N/A
NH1933.05%+0.55%N/A
NJ9483.00%±0.00%N/A
NM1341.84%+0.94%N/A
NV1952.46%+0.44%N/A
NY22432.87%−0.13%N/A
OH7542.50%±0.00%N/A
OK2972.85%+0.83%N/A
OR4193.00%+0.45%N/A
PA14922.59%+0.34%N/A
PR32.70%±0.00%N/A
RI722.83%±0.00%N/A
SC3701.70%+0.45%N/A
SD803.25%+0.22%N/A
TN5033.14%+1.76%N/A
TX15223.00%+0.25%N/A
UT2933.40%±0.00%N/A
VA9362.38%+0.38%N/A
VT1222.50%−0.01%N/A
WA7013.20%+0.23%N/A
WI10502.33%+0.83%N/A
WV1801.50%±0.00%N/A
WY502.60%+0.43%N/A

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