Key stats
All US banks · week-over-week3-month CD
1.74%
median APY
+0.09% WoW
Matching Treasury
3.68%−1 bps
6-month CD
3.00%
median APY
±0.00% WoW
Matching Treasury
3.71%±0 bps
9-month CD
3.25%
median APY
±0.00% WoW
Matching Treasury
3.72%+3 bps
12-month CD
3.00%
median APY
±0.00% WoW
Matching Treasury
3.73%+6 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 9 bps to 1.74% this week. The $10B – $50B tier rose 6 bps and the $5B – $10B tier fell 8 bps. The matching 3-month Treasury yield fell 1 bps to 3.68% over the same week. Unusual: one moved materially while the other was essentially flat. Largest single-bank move: Lusitania Savings Bank raised 370 bps.
- The 6-month median APY held flat at 3.00% this week. The $10B – $50B tier rose 10 bps and the ≥ $100B tier fell 87 bps. The matching 6-month Treasury yield held flat to 3.71%. Largest single-bank move: Lusitania Savings Bank raised 370 bps.
- The 9-month median APY held flat at 3.25% this week. The $50B – $100B tier rose 37 bps; no tier posted a decline. The matching 9-month Treasury yield rose 3 bps to 3.72% over the same week. Largest single-bank move: Lusitania Savings Bank raised 370 bps.
- The 12-month median APY held flat at 3.00% this week. The $5B – $10B tier rose 3 bps and the ≥ $100B tier fell 100 bps. The matching 12-month Treasury yield rose 6 bps to 3.73% over the same week. Unusual: one moved materially while the other was essentially flat. Largest single-bank move: Susser Bank cut 356 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
| Tier | Total Deposits | Avg | Median | Min | Max | Top Mover |
|---|---|---|---|---|---|---|
| All banks | $13.33T | 1.83% +0.01% | 1.74% +0.09% | 0.01% Regions Bank · $500 min | 5.00% Greenfield Banking Company · $1K min | 3.75% (+3.70%) |
| ≥ $100B | $10.58T | 1.47% ±0.00% | 0.88% ±0.00% | 0.01% Regions Bank · $500 min | 3.75% Charles Schwab Bank, SSB · No min | N/A |
| $50B – $100B | $656.0B | 2.22% +0.09% | 2.25% +0.04% | 0.05% First Horizon Bank · No min | 3.80% COMERICA BANK · $3K min | N/A |
| $10B – $50B | $926.3B | 2.64% +0.15% | 3.27% +0.06% | 0.02% Associated Bank, National Association · $10K min | 4.00% | N/A |
| $5B – $10B | $337.2B | 2.09% −0.03% | 2.62% −0.08% | 0.03% Amarillo National Bank · $1K min | 3.90% Merrick Bank · $25K min | N/A |
| < $5B | $824.8B | 1.77% +0.01% | 1.51% +0.01% | 0.01% CITIZENS FIRST BANK · $3K min | 5.00% Greenfield Banking Company · $1K min | 3.75% (+3.70%) |
Median 3-month APY rose 9 bps to 1.74%. The $10B – $50B tier rose 6 bps and the $5B – $10B tier fell 8 bps. The matching 3-month Treasury yield fell 1 bps to 3.68% over the same week.
6-Month CDs
| Tier | Total Deposits | Avg | Median | Min | Max | Top Mover |
|---|---|---|---|---|---|---|
| All banks | $13.33T | 2.46% +0.01% | 3.00% ±0.00% | 0.01% USAA Federal Savings Bank · $250 min | 5.00% Greenfield Banking Company · $1K min | 3.75% (+3.70%) |
| ≥ $100B | $10.58T | 1.85% −0.15% | 1.63% −0.87% | 0.01% First-Citizens Bank & Trust Company · $500 min | 4.05% | 0.03% (−2.97%) |
| $50B – $100B | $656.0B | 1.93% −0.23% | 3.00% +0.08% | 0.01% USAA Federal Savings Bank · $250 min | 3.70% Flagstar Bank, National Association · $3K min | N/A |
| $10B – $50B | $926.3B | 2.91% +0.10% | 3.25% +0.10% | 0.05% First Commonwealth Bank · $500 min | 4.06% State Bank of India · No min | N/A |
| $5B – $10B | $337.2B | 2.66% +0.05% | 3.32% +0.03% | 0.02% Central Pacific Bank · $500 min | 4.00% Republic Bank & Trust Company · $1K min | N/A |
| < $5B | $824.8B | 2.45% +0.01% | 3.00% +0.01% | 0.01% First Citizens Bank · $500 min | 5.00% Greenfield Banking Company · $1K min | 3.75% (+3.70%) |
Median 6-month APY held flat at 3.00%. The $10B – $50B tier rose 10 bps and the ≥ $100B tier fell 87 bps. The matching 6-month Treasury yield held flat to 3.71%.
9-Month CDs
| Tier | Total Deposits | Avg | Median | Min | Max | Top Mover |
|---|---|---|---|---|---|---|
| All banks | $13.33T | 2.60% +0.01% | 3.25% ±0.00% | 0.01% Fifth Third Bank, National Association · $50K min | 5.30% | 3.75% (+3.70%) |
| ≥ $100B | $10.58T | 2.00% ±0.00% | 2.60% ±0.00% | 0.01% Fifth Third Bank, National Association · $50K min | 4.10% | N/A |
| $50B – $100B | $656.0B | 2.41% −0.09% | 3.00% +0.37% | 0.10% First Horizon Bank · No min | 4.00% Valley National Bank · $500 min | N/A |
| $10B – $50B | $926.3B | 2.91% +0.16% | 3.35% +0.20% | 0.02% Associated Bank, National Association · $10K min | 4.15% Comenity Capital Bank · $2K min | N/A |
| $5B – $10B | $337.2B | 2.78% −0.01% | 3.33% +0.03% | 0.02% Central Pacific Bank · $500 min | 4.00% Needham Bank · $1K min | N/A |
| < $5B | $824.8B | 2.59% +0.00% | 3.25% ±0.00% | 0.03% Newburyport Five Cents Savings Bank · $3K min | 5.30% | 3.75% (+3.70%) |
Median 9-month APY held flat at 3.25%. The $50B – $100B tier rose 37 bps; no tier posted a decline. The matching 9-month Treasury yield rose 3 bps to 3.72% over the same week.
12-Month CDs
| Tier | Total Deposits | Avg | Median | Min | Max | Top Mover |
|---|---|---|---|---|---|---|
| All banks | $13.33T | 2.49% +0.00% | 3.00% ±0.00% | 0.01% USAA Federal Savings Bank · $250 min | 10.00% Columbia Bank · $1K min | 0.04% (−3.56%) |
| ≥ $100B | $10.58T | 2.06% −0.14% | 2.00% −1.00% | 0.01% First-Citizens Bank & Trust Company · $500 min | 4.10% | 0.03% (−2.97%) |
| $50B – $100B | $656.0B | 2.69% +0.02% | 2.00% −0.09% | 0.01% USAA Federal Savings Bank · $250 min | 10.00% Columbia Bank · $1K min | N/A |
| $10B – $50B | $926.3B | 2.75% +0.14% | 3.00% +0.01% | 0.05% First Commonwealth Bank · $500 min | 4.06% State Bank of India · No min | N/A |
| $5B – $10B | $337.2B | 2.53% +0.03% | 2.99% +0.03% | 0.03% Amarillo National Bank · $1M min | 4.10% | N/A |
| < $5B | $824.8B | 2.48% −0.00% | 3.00% ±0.00% | 0.01% First Citizens Bank · $500 min | 4.85% Greenfield Banking Company · $1K min | 0.04% (−3.56%) |
Median 12-month APY held flat at 3.00%. The $5B – $10B tier rose 3 bps and the ≥ $100B tier fell 100 bps. The matching 12-month Treasury yield rose 6 bps to 3.73% 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: 3.36% (+1.64%)
- MP · 3-month: 2.90% (+1.39%)
- GU · 6-month: 2.60% (+1.27%)
- MP · 6-month: 2.60% (+1.27%)
- MP · 12-month: 2.40% (+1.15%)
CDs by State — 3-Month
| State | Branches | Median APY | WoW Δ | Top Mover |
|---|---|---|---|---|
| AK | 45 | 0.45% | ±0.00% | N/A |
| AL | 487 | 2.00% | ±0.00% | N/A |
| AR | 203 | 0.65% | +0.40% | N/A |
| AZ | 684 | 1.81% | ±0.00% | N/A |
| CA | 3836 | 2.00% | −0.46% | N/A |
| CO | 665 | 2.29% | +0.12% | N/A |
| CT | 669 | 1.75% | +0.50% | 3.65% (+3.00%) |
| DC | 129 | 1.36% | ±0.00% | N/A |
| DE | 132 | 2.70% | ±0.00% | N/A |
| FL | 2772 | 2.75% | ±0.00% | N/A |
| GA | 891 | 0.50% | ±0.00% | N/A |
| GU | 3 | 3.10% | +0.20% | N/A |
| HI | 153 | 3.15% | +0.15% | N/A |
| IA | 347 | 1.01% | +0.01% | N/A |
| ID | 221 | 2.21% | +0.04% | N/A |
| IL | 1666 | 1.05% | ±0.00% | N/A |
| IN | 689 | 0.60% | ±0.00% | N/A |
| KS | 419 | 1.27% | +0.22% | N/A |
| KY | 444 | 0.50% | ±0.00% | N/A |
| LA | 408 | 2.38% | +0.63% | N/A |
| MA | 764 | 2.25% | ±0.00% | N/A |
| MD | 725 | 1.00% | ±0.00% | 0.50% (+0.45%) |
| ME | 292 | 1.00% | ±0.00% | N/A |
| MI | 1191 | 2.38% | ±0.00% | N/A |
| MN | 586 | 2.52% | ±0.00% | N/A |
| MO | 606 | 1.01% | +0.01% | N/A |
| MP | 1 | 2.90% | +1.39% | N/A |
| MS | 292 | 0.17% | ±0.00% | N/A |
| MT | 55 | 0.95% | ±0.00% | N/A |
| NC | 1091 | 0.75% | ±0.00% | N/A |
| ND | 114 | 1.65% | ±0.00% | N/A |
| NE | 297 | 1.20% | ±0.00% | N/A |
| NH | 160 | 1.50% | ±0.00% | N/A |
| NJ | 1131 | 2.73% | +0.43% | 3.75% (+3.70%) |
| NM | 167 | 0.57% | ±0.00% | N/A |
| NV | 284 | 1.50% | −0.50% | N/A |
| NY | 2062 | 2.88% | −0.13% | N/A |
| OH | 1372 | 0.50% | ±0.00% | N/A |
| OK | 185 | 1.76% | +0.13% | N/A |
| OR | 497 | 1.75% | −0.25% | N/A |
| PA | 1821 | 0.88% | ±0.00% | 0.50% (+0.45%) |
| PR | 3 | 2.80% | ±0.00% | N/A |
| RI | 70 | 3.00% | ±0.00% | N/A |
| SC | 456 | 0.92% | ±0.00% | N/A |
| SD | 97 | 3.13% | ±0.00% | N/A |
| TN | 759 | 1.00% | −0.13% | N/A |
| TX | 2359 | 2.00% | ±0.00% | 0.03% (−3.42%) |
| UT | 273 | 1.50% | ±0.00% | 3.95% (−0.11%) |
| VA | 1143 | 1.00% | ±0.00% | N/A |
| VT | 58 | 3.50% | ±0.00% | N/A |
| WA | 789 | 2.50% | +0.04% | N/A |
| WI | 890 | 0.50% | ±0.00% | N/A |
| WV | 188 | 0.50% | ±0.00% | N/A |
| WY | 63 | 1.68% | −0.18% | N/A |
CDs by State — 6-Month
| State | Branches | Median APY | WoW Δ | Top Mover |
|---|---|---|---|---|
| AK | 60 | 1.03% | ±0.00% | N/A |
| AL | 512 | 3.12% | +0.00% | 3.53% (+0.30%) |
| AR | 288 | 2.95% | ±0.00% | 0.03% (−2.97%) |
| AZ | 692 | 3.13% | +0.10% | 0.03% (−2.97%) |
| CA | 3935 | 3.40% | +0.11% | 0.03% (−2.97%) |
| CO | 678 | 3.20% | +0.03% | 0.03% (−2.97%) |
| CT | 780 | 2.28% | −0.47% | 0.03% (−2.97%) |
| DC | 136 | 2.54% | −0.35% | 0.03% (−2.97%) |
| DE | 139 | 3.20% | ±0.00% | 0.03% (−2.97%) |
| FL | 2841 | 3.40% | ±0.00% | 0.03% (−2.97%) |
| GA | 981 | 1.75% | −1.09% | 0.03% (−2.97%) |
| GU | 2 | 2.60% | +1.27% | N/A |
| HI | 141 | 2.85% | +0.25% | N/A |
| IA | 414 | 2.53% | −0.47% | 0.03% (−2.97%) |
| ID | 242 | 3.13% | +0.08% | 0.03% (−2.97%) |
| IL | 1764 | 2.26% | −0.02% | 0.03% (−2.97%) |
| IN | 780 | 2.25% | −0.25% | 0.03% (−2.97%) |
| KS | 506 | 2.75% | −0.02% | 0.03% (−2.97%) |
| KY | 480 | 2.00% | −0.02% | 0.03% (−2.97%) |
| LA | 463 | 3.11% | +0.09% | N/A |
| MA | 1327 | 2.75% | −0.08% | 0.03% (−2.97%) |
| MD | 793 | 2.18% | ±0.00% | 0.03% (−2.97%) |
| ME | 368 | 3.00% | ±0.00% | 0.03% (−2.97%) |
| MI | 1400 | 2.62% | −0.13% | 0.03% (−2.97%) |
| MN | 663 | 3.08% | ±0.00% | 0.03% (−2.97%) |
| MO | 708 | 2.52% | −0.23% | 0.03% (−2.97%) |
| MP | 1 | 2.60% | +1.27% | N/A |
| MS | 334 | 0.60% | ±0.00% | N/A |
| MT | 55 | 3.62% | ±0.00% | N/A |
| NC | 1326 | 1.68% | −0.07% | 0.03% (−2.97%) |
| ND | 117 | 3.14% | ±0.00% | N/A |
| NE | 445 | 2.84% | −0.10% | 0.03% (−2.97%) |
| NH | 247 | 3.01% | ±0.00% | 0.03% (−2.97%) |
| NJ | 1383 | 3.00% | ±0.00% | 3.75% (+3.70%) |
| NM | 191 | 2.77% | ±0.00% | 0.03% (−2.97%) |
| NV | 289 | 3.00% | ±0.00% | 0.03% (−2.97%) |
| NY | 2898 | 3.30% | ±0.00% | 0.03% (−2.97%) |
| OH | 1620 | 2.13% | −0.25% | 0.03% (−2.97%) |
| OK | 219 | 2.85% | −0.02% | 0.03% (−2.97%) |
| OR | 584 | 3.13% | +0.08% | 0.03% (−2.97%) |
| PA | 2044 | 2.76% | −0.03% | 0.03% (−2.97%) |
| PR | 3 | 2.77% | ±0.00% | N/A |
| RI | 153 | 2.63% | −0.25% | 0.03% (−2.97%) |
| SC | 609 | 1.50% | ±0.00% | 0.03% (−2.97%) |
| SD | 107 | 3.43% | ±0.00% | N/A |
| TN | 860 | 3.50% | ±0.00% | 0.03% (−2.97%) |
| TX | 2581 | 3.02% | ±0.00% | 0.04% (−3.56%) |
| UT | 325 | 3.30% | +0.02% | 0.03% (−2.97%) |
| VA | 1213 | 2.00% | −0.09% | 0.03% (−2.97%) |
| VT | 135 | 3.20% | ±0.00% | N/A |
| WA | 1047 | 3.30% | +0.10% | 0.03% (−2.97%) |
| WI | 1084 | 1.90% | ±0.00% | N/A |
| WV | 211 | 1.75% | ±0.00% | N/A |
| WY | 64 | 3.33% | +0.19% | N/A |
CDs by State — 9-Month
| State | Branches | Median APY | WoW Δ | Top Mover |
|---|---|---|---|---|
| AK | 19 | 1.02% | ±0.00% | N/A |
| AL | 339 | 0.50% | ±0.00% | N/A |
| AR | 166 | 3.25% | +0.27% | N/A |
| AZ | 393 | 3.05% | +0.88% | N/A |
| CA | 2288 | 3.16% | +0.10% | N/A |
| CO | 445 | 3.13% | +0.52% | N/A |
| CT | 420 | 2.38% | ±0.00% | N/A |
| DC | 67 | 3.03% | +0.18% | N/A |
| DE | 40 | 3.28% | ±0.00% | N/A |
| FL | 1786 | 3.00% | ±0.00% | N/A |
| GA | 544 | 3.25% | +0.49% | N/A |
| HI | 58 | 3.36% | +1.64% | N/A |
| IA | 238 | 2.92% | −0.29% | N/A |
| ID | 152 | 2.71% | ±0.00% | N/A |
| IL | 1345 | 3.05% | ±0.00% | N/A |
| IN | 597 | 3.24% | ±0.00% | N/A |
| KS | 211 | 2.70% | +0.45% | 0.55% (+0.11%) |
| KY | 288 | 3.05% | ±0.00% | N/A |
| LA | 408 | 3.20% | +0.21% | N/A |
| MA | 839 | 3.10% | −0.10% | 3.00% (−0.40%) |
| MD | 363 | 2.81% | ±0.00% | N/A |
| ME | 189 | 2.44% | ±0.00% | N/A |
| MI | 1097 | 2.50% | ±0.00% | N/A |
| MN | 331 | 3.17% | ±0.00% | N/A |
| MO | 429 | 3.15% | +0.10% | 0.55% (+0.11%) |
| MS | 203 | 0.38% | ±0.00% | N/A |
| MT | 22 | 3.25% | ±0.00% | N/A |
| NC | 697 | 1.70% | ±0.00% | N/A |
| ND | 38 | 3.25% | ±0.00% | N/A |
| NE | 209 | 2.10% | ±0.00% | N/A |
| NH | 144 | 3.23% | ±0.00% | N/A |
| NJ | 827 | 3.20% | +0.20% | 3.75% (+3.70%) |
| NM | 98 | 2.28% | +0.29% | N/A |
| NV | 135 | 3.05% | ±0.00% | N/A |
| NY | 1740 | 3.25% | +0.02% | N/A |
| OH | 1485 | 3.05% | ±0.00% | N/A |
| OK | 68 | 1.63% | −0.18% | 0.55% (+0.11%) |
| OR | 375 | 2.71% | ±0.00% | N/A |
| PA | 1414 | 2.80% | ±0.00% | N/A |
| PR | 2 | 2.00% | ±0.00% | N/A |
| RI | 78 | 2.75% | ±0.00% | N/A |
| SC | 233 | 1.34% | ±0.00% | N/A |
| SD | 38 | 2.97% | ±0.00% | N/A |
| TN | 644 | 1.88% | −0.40% | N/A |
| TX | 1123 | 3.04% | ±0.00% | 0.04% (−3.56%) |
| UT | 139 | 3.27% | ±0.00% | N/A |
| VA | 534 | 2.63% | +0.18% | N/A |
| VT | 50 | 0.53% | ±0.00% | N/A |
| WA | 627 | 3.05% | +0.02% | N/A |
| WI | 686 | 3.20% | ±0.00% | N/A |
| WV | 117 | 2.00% | ±0.00% | N/A |
| WY | 29 | 0.50% | −0.83% | N/A |
CDs by State — 12-Month
| State | Branches | Median APY | WoW Δ | Top Mover |
|---|---|---|---|---|
| AK | 60 | 2.70% | ±0.00% | N/A |
| AL | 504 | 1.90% | ±0.00% | N/A |
| AR | 220 | 1.50% | −0.52% | 0.03% (−2.97%) |
| AZ | 690 | 3.04% | +0.04% | 0.03% (−2.97%) |
| CA | 3941 | 3.04% | +0.04% | 0.03% (−2.97%) |
| CO | 670 | 3.23% | +0.05% | 0.03% (−2.97%) |
| CT | 759 | 2.38% | −0.37% | 0.03% (−2.97%) |
| DC | 136 | 1.75% | −0.25% | 0.03% (−2.97%) |
| DE | 138 | 3.00% | ±0.00% | 0.03% (−2.97%) |
| FL | 2932 | 3.00% | ±0.00% | 0.03% (−2.97%) |
| GA | 925 | 1.51% | −0.49% | 0.03% (−2.97%) |
| GU | 3 | 2.80% | +0.40% | N/A |
| HI | 154 | 2.90% | +0.25% | N/A |
| IA | 410 | 2.72% | −0.25% | 0.03% (−2.97%) |
| ID | 242 | 3.13% | +0.13% | 0.03% (−2.97%) |
| IL | 1777 | 2.10% | −0.07% | 0.03% (−2.97%) |
| IN | 870 | 2.65% | −0.24% | 0.03% (−2.97%) |
| KS | 501 | 2.75% | ±0.00% | 0.03% (−2.97%) |
| KY | 480 | 2.50% | −0.25% | 0.03% (−2.97%) |
| LA | 466 | 3.00% | +0.13% | N/A |
| MA | 1196 | 2.75% | −0.25% | 0.03% (−2.97%) |
| MD | 799 | 2.00% | ±0.00% | 0.03% (−2.97%) |
| ME | 346 | 2.58% | −0.31% | 0.03% (−2.97%) |
| MI | 1445 | 2.94% | −0.06% | 0.03% (−2.97%) |
| MN | 677 | 3.23% | ±0.00% | 0.03% (−2.97%) |
| MO | 648 | 2.50% | −0.02% | 0.03% (−2.97%) |
| MP | 1 | 2.40% | +1.15% | N/A |
| MS | 334 | 1.38% | ±0.00% | N/A |
| MT | 54 | 2.94% | ±0.00% | N/A |
| NC | 1289 | 1.00% | −0.18% | 0.03% (−2.97%) |
| ND | 132 | 3.02% | ±0.00% | N/A |
| NE | 445 | 2.97% | −0.03% | 0.03% (−2.97%) |
| NH | 221 | 3.00% | ±0.00% | 0.03% (−2.97%) |
| NJ | 1292 | 3.00% | ±0.00% | 3.50% (+3.45%) |
| NM | 191 | 1.51% | −0.66% | 0.03% (−2.97%) |
| NV | 289 | 3.00% | ±0.00% | 0.03% (−2.97%) |
| NY | 2755 | 2.99% | −0.00% | 0.03% (−2.97%) |
| OH | 1656 | 2.50% | −0.25% | 0.03% (−2.97%) |
| OK | 200 | 2.75% | ±0.00% | 0.03% (−2.97%) |
| OR | 589 | 3.00% | ±0.00% | 0.03% (−2.97%) |
| PA | 1985 | 2.52% | −0.01% | 0.03% (−2.97%) |
| PR | 3 | 2.75% | ±0.00% | N/A |
| RI | 107 | 1.75% | −0.63% | 0.03% (−2.97%) |
| SC | 575 | 1.50% | −0.03% | 0.03% (−2.97%) |
| SD | 107 | 3.25% | ±0.00% | N/A |
| TN | 854 | 3.01% | +0.01% | 0.03% (−2.97%) |
| TX | 2529 | 2.88% | −0.10% | 0.04% (−3.56%) |
| UT | 329 | 3.33% | ±0.00% | 0.03% (−2.97%) |
| VA | 1213 | 2.25% | −0.13% | 0.03% (−2.97%) |
| VT | 132 | 2.64% | ±0.00% | N/A |
| WA | 1060 | 3.25% | ±0.00% | 0.03% (−2.97%) |
| WI | 1087 | 2.15% | ±0.00% | N/A |
| WV | 211 | 1.50% | ±0.00% | N/A |
| WY | 61 | 3.03% | +0.43% | N/A |