Weekly CD Rate Report

Week ending April 5, 2026

Comparison week ending March 29, 2026

Key stats

All US banks · week-over-week
3-month CD
1.96%
median APY
+0.26% WoW
Matching Treasury
3.71%−2 bps
6-month CD
3.00%
median APY
±0.00% WoW
Matching Treasury
3.73%−2 bps
9-month CD
3.25%
median APY
±0.00% WoW
Matching Treasury
3.73%−3 bps
12-month CD
3.00%
median APY
±0.00% WoW
Matching Treasury
3.72%−5 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 26 bps to 1.96% this week. The $10B – $50B tier rose 3 bps and the ≥ $100B tier fell 115 bps. The matching 3-month Treasury yield fell 2 bps to 3.71% over the same week. Unusual: one moved materially while the other was essentially flat. Largest single-bank move: Lusitania Savings Bank cut 370 bps.
  • The 6-month median APY held flat at 3.00% this week. The ≥ $100B tier rose 62 bps and the $5B – $10B tier fell 8 bps. The matching 6-month Treasury yield fell 2 bps to 3.73% over the same week. Largest single-bank move: Lusitania Savings Bank cut 370 bps.
  • The 9-month median APY held flat at 3.25% this week. The $50B – $100B tier rose 36 bps and the ≥ $100B tier fell 45 bps. The matching 9-month Treasury yield fell 3 bps to 3.73% over the same week. Largest single-bank move: Lusitania Savings Bank cut 370 bps.
  • The 12-month median APY held flat at 3.00% this week. The $5B – $10B tier rose 3 bps and the $50B – $100B tier fell 20 bps. The matching 12-month Treasury yield fell 5 bps to 3.72% over the same week. Unusual: one moved materially while the other was essentially flat. Largest single-bank move: Lusitania Savings Bank cut 345 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
$12.86T
1.85%
+0.02%
1.96%
+0.26%
0.01%
4.15%
DR Bank · $500 min
0.05% (−3.70%)
≥ $100B
$9.89T
1.70%
−0.27%
1.75%
−1.15%
0.01%
3.91%
1.50% (−2.50%)
$50B – $100B
$893.8B
1.37%
±0.00%
1.13%
±0.00%
0.01%
3.55%
N/A
$10B – $50B
$893.9B
2.63%
+0.06%
3.22%
+0.03%
0.02%
3.96%
0.10% (−2.90%)
$5B – $10B
$348.1B
2.14%
−0.11%
2.75%
−0.25%
0.03%
3.90%
Merrick Bank · $25K min
0.05% (−1.45%)
< $5B
$827.9B
1.79%
+0.02%
1.51%
+0.01%
0.03%
4.15%
DR Bank · $500 min
0.05% (−3.70%)

Median 3-month APY rose 26 bps to 1.96%. The $10B – $50B tier rose 3 bps and the ≥ $100B tier fell 115 bps. The matching 3-month Treasury yield fell 2 bps to 3.71% over the same week.

6-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$12.86T
2.43%
−0.01%
3.00%
±0.00%
0.01%
4.28%
0.05% (−3.70%)
≥ $100B
$9.89T
2.07%
+0.07%
3.00%
+0.62%
0.01%
4.05%
3.20% (−0.50%)
$50B – $100B
$893.8B
2.47%
−0.17%
3.10%
±0.00%
0.01%
3.75%
0.01% (−2.24%)
$10B – $50B
$893.9B
2.72%
−0.07%
3.07%
+0.01%
0.03%
4.06%
0.03% (−2.72%)
$5B – $10B
$348.1B
2.59%
−0.09%
3.32%
−0.08%
0.03%
4.00%
0.06% (−0.45%)
< $5B
$827.9B
2.41%
−0.01%
2.95%
−0.03%
0.01%
4.28%
0.05% (−3.70%)

Median 6-month APY held flat at 3.00%. The ≥ $100B tier rose 62 bps and the $5B – $10B tier fell 8 bps. The matching 6-month Treasury yield fell 2 bps to 3.73% over the same week.

9-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$12.86T
2.61%
−0.02%
3.25%
±0.00%
0.02%
5.30%
0.05% (−3.70%)
≥ $100B
$9.89T
2.26%
−0.22%
3.20%
−0.45%
0.05%
4.00%
3.20% (−0.50%)
$50B – $100B
$893.8B
2.42%
+0.11%
2.63%
+0.36%
0.10%
4.00%
CIBC Bank USA · $1K min
N/A
$10B – $50B
$893.9B
2.69%
−0.19%
3.15%
−0.20%
0.02%
4.15%
0.03% (−2.47%)
$5B – $10B
$348.1B
2.77%
−0.06%
3.25%
±0.00%
0.03%
3.95%
EagleBank · $1K min
3.30% (+0.25%)
< $5B
$827.9B
2.61%
−0.00%
3.25%
±0.00%
0.05%
5.30%
0.05% (−3.70%)

Median 9-month APY held flat at 3.25%. The $50B – $100B tier rose 36 bps and the ≥ $100B tier fell 45 bps. The matching 9-month Treasury yield fell 3 bps to 3.73% over the same week.

12-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$12.86T
2.46%
−0.00%
3.00%
±0.00%
0.01%
4.86%
0.05% (−3.45%)
≥ $100B
$9.89T
2.26%
−0.02%
3.00%
±0.00%
0.01%
4.00%
4.00% (+0.20%)
$50B – $100B
$893.8B
2.16%
−0.17%
2.33%
−0.20%
0.01%
4.00%
0.01% (−2.89%)
$10B – $50B
$893.9B
2.60%
+0.07%
3.00%
+0.01%
0.03%
4.86%
0.03% (−2.47%)
$5B – $10B
$348.1B
2.50%
−0.05%
2.99%
+0.03%
0.08%
3.90%
Merrick Bank · $25K min
1.26% (+0.76%)
< $5B
$827.9B
2.46%
−0.00%
3.00%
±0.00%
0.03%
Bath State Bank · $50K min
4.59%
0.05% (−3.45%)

Median 12-month APY held flat at 3.00%. The $5B – $10B tier rose 3 bps and the $50B – $100B tier fell 20 bps. The matching 12-month Treasury yield fell 5 bps to 3.72% 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

  • HI · 9-month: 0.09% (−3.46%)
  • SD · 9-month: 2.95% (+2.45%)
  • OK · 9-month: 1.80% (−2.00%)
  • MT · 3-month: 1.50% (−1.73%)
  • HI · 6-month: 1.33% (−1.52%)

CDs by State — 3-Month

StateBranchesMedian APYWoW ΔTop Mover
AK451.68%±0.00%N/A
AL2472.00%−0.84%
1.50% (−2.50%)
AR990.58%+0.47%
1.50% (−2.50%)
AZ7141.83%+0.23%
1.50% (−2.50%)
CA40632.17%−0.29%
1.50% (−2.50%)
CO6742.23%−0.06%
1.50% (−2.50%)
CT6860.75%+0.05%
1.50% (−2.50%)
DC1301.36%+0.18%
1.50% (−2.50%)
DE1133.13%−0.20%
1.50% (−2.50%)
FL24822.75%−0.05%
1.50% (−2.50%)
GA7371.00%+0.50%
1.50% (−2.50%)
GU62.90%±0.00%N/A
HI1972.83%−0.17%
2.75% (−0.25%)
IA3551.01%+0.01%
1.50% (−2.50%)
ID2242.30%−0.13%
1.50% (−2.50%)
IL15011.25%+0.09%
1.50% (−2.50%)
IN5840.60%±0.00%
1.50% (−2.50%)
KS3961.50%+0.23%
1.50% (−2.50%)
KY4251.05%+0.55%
1.50% (−2.50%)
LA3041.75%−0.64%
1.50% (−2.50%)
MA7412.53%±0.00%
1.50% (−2.50%)
MD7051.00%±0.00%
0.10% (−2.90%)
ME2841.25%−0.23%
1.50% (−2.50%)
MI7582.38%+0.11%
1.50% (−2.50%)
MN5182.52%±0.00%
1.50% (−2.50%)
MO5571.05%±0.00%
1.50% (−2.50%)
MP21.51%−1.39%N/A
MS1050.30%±0.00%
1.50% (−2.50%)
MT441.50%−1.73%
1.50% (−2.50%)
NC10800.85%+0.05%
1.50% (−2.50%)
ND1141.65%−1.35%
1.50% (−2.50%)
NE2791.30%±0.00%
1.50% (−2.50%)
NH1572.76%−0.24%
1.50% (−2.50%)
NJ10712.25%−0.35%
0.05% (−3.70%)
NM1620.57%+0.42%
1.50% (−2.50%)
NV3221.50%+0.33%
1.50% (−2.50%)
NY21102.50%−0.02%
1.50% (−2.50%)
OH9800.50%±0.00%
3.30% (+3.27%)
OK2251.50%+0.22%
1.50% (−2.50%)
OR4621.83%−0.33%
1.50% (−2.50%)
PA15511.00%±0.00%
0.10% (−2.90%)
PR32.80%−0.80%N/A
RI703.00%−0.13%
1.50% (−2.50%)
SC4350.97%+0.07%
1.50% (−2.50%)
SD973.12%−0.13%
1.50% (−2.50%)
TN5641.25%±0.00%
1.50% (−2.50%)
TX22212.10%±0.00%
1.50% (−2.50%)
UT3591.10%+0.48%
1.50% (−2.50%)
VA10991.21%+0.18%
0.10% (−2.90%)
VT583.40%−0.10%
1.50% (−2.50%)
WA7262.63%−0.13%
1.50% (−2.50%)
WI8750.65%+0.15%
1.50% (−2.50%)
WV1590.50%±0.00%
1.50% (−2.50%)
WY641.86%−0.31%
1.50% (−2.50%)

CDs by State — 6-Month

StateBranchesMedian APYWoW ΔTop Mover
AK502.00%±0.00%N/A
AL2622.28%±0.00%
3.23% (−0.56%)
AR2962.95%+0.08%
3.65% (+0.15%)
AZ7222.58%+0.33%
0.01% (−2.24%)
CA40623.20%±0.00%
3.75% (+0.10%)
CO6383.19%+0.02%
3.50% (−0.12%)
CT7222.75%+0.22%
3.20% (−0.50%)
DC1372.89%+0.05%
3.20% (−0.50%)
DE1323.00%±0.00%
3.20% (−0.50%)
FL25143.25%±0.00%
2.95% (+0.20%)
GA7651.75%±0.00%
3.75% (+0.10%)
GU51.33%−1.27%N/A
HI1851.33%−1.52%
2.85% (−0.25%)
IA4223.20%−0.05%
3.20% (−0.05%)
ID2253.00%+0.05%N/A
IL15712.27%+0.05%
3.75% (+0.10%)
IN6372.25%+0.34%N/A
KS5272.77%+0.38%
3.40% (+0.40%)
KY4612.02%+0.02%N/A
LA3592.85%+0.20%
3.20% (−0.50%)
MA11992.95%+0.20%
0.03% (−2.72%)
MD7932.18%±0.00%
3.20% (−0.50%)
ME3303.00%+0.47%
0.70% (+0.25%)
MI9472.50%+0.04%
3.20% (−0.05%)
MN5953.00%+0.15%
3.60% (+0.15%)
MO6982.77%+0.13%
3.24% (+0.46%)
MP21.33%−1.27%N/A
MS1470.72%±0.00%N/A
MT443.53%+1.52%N/A
NC12771.75%+0.15%N/A
ND1173.14%+0.81%N/A
NE4232.98%+0.04%N/A
NH2343.13%+0.13%
0.03% (−2.72%)
NJ13573.00%±0.00%
0.05% (−3.70%)
NM1802.34%+0.17%N/A
NV3272.84%+0.37%
0.06% (−0.45%)
NY26743.00%±0.00%
3.20% (−0.50%)
OH10581.75%+0.25%
2.95% (+0.20%)
OK3412.88%+0.08%
3.79% (−0.25%)
OR4882.85%+0.32%N/A
PA17752.64%−0.16%
0.10% (−3.65%)
PR33.27%−0.23%
3.55% (+0.05%)
RI1413.00%+0.13%
3.02% (−0.51%)
SC5541.50%+0.50%N/A
SD1073.23%±0.00%
3.75% (−0.20%)
TN6413.09%+0.03%
3.65% (+0.15%)
TX24433.00%−0.05%
0.01% (−2.24%)
UT3803.35%−0.00%
3.30% (−0.20%)
VA12142.18%±0.00%
3.20% (−0.50%)
VT1253.07%+0.39%N/A
WA8453.20%+0.08%
3.75% (+0.10%)
WI10701.51%±0.00%
3.20% (−0.05%)
WV1821.75%+0.25%N/A
WY652.98%+0.81%
3.55% (−0.25%)

CDs by State — 9-Month

StateBranchesMedian APYWoW ΔTop Mover
AL991.98%+1.48%N/A
AR752.90%−0.10%N/A
AZ4112.08%−0.08%
3.70% (+0.15%)
CA23003.02%+0.31%
3.29% (+3.09%)
CO3983.13%+0.08%
3.70% (+0.15%)
CT3752.75%±0.00%
3.20% (−0.50%)
DC682.85%−0.32%
3.20% (−0.50%)
DE403.28%−0.15%
3.20% (−0.50%)
FL12773.08%+0.03%
3.70% (+0.15%)
GA3443.50%±0.00%
3.70% (+0.15%)
GU30.09%N/A
HI1020.09%−3.46%N/A
IA2243.23%+0.29%
3.20% (−0.05%)
ID1362.71%±0.00%N/A
IL10133.25%±0.00%
3.70% (+0.15%)
IN3573.24%±0.00%N/A
KS2132.30%−0.75%
0.44% (−3.36%)
KY2023.15%+0.10%N/A
LA3041.90%±0.00%
3.20% (−0.50%)
MA7113.15%+0.10%
0.03% (−2.47%)
MD3632.81%−0.40%
3.20% (−0.50%)
ME1512.92%±0.00%
3.30% (+0.25%)
MI3232.50%±0.00%
3.10% (−0.10%)
MN2743.23%−0.02%
3.56% (+0.21%)
MO3783.05%−0.35%
0.44% (−3.36%)
MP10.09%N/A
MS160.30%±0.00%N/A
MT223.25%+1.00%N/A
NC5992.27%+0.57%N/A
ND383.25%+1.37%N/A
NE1982.17%+0.46%
3.75% (−0.05%)
NH1223.25%+0.05%
0.03% (−2.47%)
NJ8263.00%±0.00%
0.05% (−3.70%)
NM841.15%+0.65%N/A
NV1732.79%+0.26%
3.29% (+3.09%)
NY14923.15%−0.05%
3.20% (−0.50%)
OH6253.15%+0.48%
3.50% (+3.46%)
OK1111.80%−2.00%
0.44% (−3.36%)
OR2852.71%±0.00%N/A
PA11642.83%−0.17%
2.78% (−0.31%)
PR22.00%N/A
RI672.77%−0.10%
2.80% (−0.50%)
SC1841.32%+0.42%N/A
SD382.95%+2.45%N/A
TN3703.25%+0.49%N/A
TX8703.13%+0.08%
3.20% (−0.50%)
UT1943.33%−0.02%
3.30% (−0.30%)
VA5202.74%−0.11%
3.20% (−0.50%)
VT403.20%+1.35%N/A
WA4763.02%±0.00%
3.70% (+0.15%)
WI6813.25%±0.00%
3.20% (−0.05%)
WV862.85%±0.00%N/A
WY301.33%+1.03%N/A

CDs by State — 12-Month

StateBranchesMedian APYWoW ΔTop Mover
AK502.15%±0.00%N/A
AL2682.64%±0.00%N/A
AR2282.65%+1.14%
0.10% (−0.05%)
AZ7202.50%+0.70%
2.50% (+2.40%)
CA40683.00%±0.00%
2.50% (+2.40%)
CO6303.15%+0.06%
2.50% (+2.40%)
CT7142.59%−0.11%
0.01% (−2.89%)
DC1372.00%±0.00%
3.80% (−0.15%)
DE1383.00%±0.00%N/A
FL26393.00%±0.00%
0.40% (−0.75%)
GA7662.01%+0.01%
0.01% (−0.09%)
GU62.40%±0.00%N/A
HI1982.40%−0.25%
2.65% (−0.25%)
IA4183.25%+0.00%
3.50% (+0.25%)
ID2253.00%+0.03%
2.50% (+2.40%)
IL16092.34%−0.07%
3.70% (−0.05%)
IN7482.51%+0.01%
4.86% (+1.86%)
KS5223.00%±0.00%
0.49% (−2.56%)
KY4612.75%+0.25%N/A
LA3623.02%−0.02%N/A
MA10682.75%±0.00%
0.01% (−2.89%)
MD7992.00%±0.00%
2.53% (−0.31%)
ME3082.46%+0.08%
0.85% (+0.25%)
MI9922.97%+0.03%
4.00% (+0.30%)
MN6163.20%+0.11%
3.55% (+0.60%)
MO6382.75%+0.08%
0.49% (−2.56%)
MP21.25%−1.15%N/A
MS1471.50%±0.00%N/A
MT542.94%+0.71%N/A
NC12781.43%+0.25%
4.00% (+0.30%)
ND1323.02%+0.02%N/A
NE4453.10%+0.10%
1.60% (−0.20%)
NH2083.00%−0.05%
0.03% (−2.47%)
NJ12922.98%±0.00%
0.05% (−3.45%)
NM1861.51%±0.00%
0.01% (−0.09%)
NV3272.50%+0.41%
2.50% (+2.40%)
NY25752.73%−0.05%
0.01% (−2.89%)
OH11042.50%+0.13%
3.00% (−0.35%)
OK3222.80%−0.15%
0.49% (−2.56%)
OR4932.97%+0.03%
2.50% (+2.40%)
PA17522.53%+0.01%
2.53% (−0.31%)
PR32.75%−0.65%
3.50% (+0.10%)
RI962.75%−0.08%
0.01% (−2.89%)
SC5541.63%+0.12%
0.01% (−0.09%)
SD1073.25%+0.00%
3.60% (−0.30%)
TN6263.00%±0.00%
0.01% (−0.09%)
TX23963.00%±0.00%
0.01% (−1.79%)
UT3843.35%−0.05%
2.50% (+2.40%)
VA12142.38%±0.00%
3.80% (−0.15%)
VT1222.50%±0.00%
0.40% (−0.75%)
WA8583.15%+0.02%
2.50% (+2.40%)
WI10822.28%+0.13%
4.00% (+0.30%)
WV1851.38%+0.13%
0.01% (−0.09%)
WY622.60%+0.76%
3.91% (+0.26%)

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