Weekly CD Rate Report

Week ending May 24, 2026

Comparison week ending May 17, 2026

Key stats

All US banks · week-over-week
3-month CD
1.76%
median APY
+0.01% WoW
Matching Treasury
3.68%−1 bps
6-month CD
3.00%
median APY
±0.00% WoW
Matching Treasury
3.79%+2 bps
9-month CD
3.25%
median APY
±0.00% WoW
Matching Treasury
3.83%+3 bps
12-month CD
3.00%
median APY
±0.00% WoW
Matching Treasury
3.86%+4 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 1 bps to 1.76% this week. The ≥ $100B tier rose 47 bps; no tier posted a decline. The matching 3-month Treasury yield fell 1 bps to 3.68% over the same week. Largest single-bank move: WebBank cut 382 bps.
  • The 6-month median APY held flat at 3.00% this week. The $10B – $50B tier rose 17 bps and the ≥ $100B tier fell 162 bps. The matching 6-month Treasury yield rose 2 bps to 3.79% over the same week. Largest single-bank move: WebBank cut 382 bps.
  • The 9-month median APY held flat at 3.25% this week. The $5B – $10B tier rose 13 bps and the ≥ $100B tier fell 110 bps. The matching 9-month Treasury yield rose 3 bps to 3.83% over the same week. Largest single-bank move: Eaglemark Savings Bank raised 391 bps.
  • The 12-month median APY held flat at 3.00% this week. The $5B – $10B tier rose 20 bps and the ≥ $100B tier fell 149 bps. The matching 12-month Treasury yield rose 4 bps to 3.86% over the same week. Largest single-bank move: WebBank cut 392 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
$14.43T
1.84%
+0.01%
1.76%
+0.01%
0.01%
CNB Bank, Inc. · $500 min
4.10%
First State Bank · $1M min
0.04% (−3.82%)
≥ $100B
$11.16T
1.47%
+0.13%
0.63%
+0.47%
0.01%
Regions Bank · $500 min
3.91%
3.91% (−0.05%)
$50B – $100B
$893.8B
1.72%
−0.07%
2.00%
±0.00%
0.02%
Columbia Bank · $1K min
3.75%
0.02% (−1.98%)
$10B – $50B
$1.11T
2.52%
−0.03%
3.19%
±0.00%
0.02%
4.00%
0.06% (−3.49%)
$5B – $10B
$394.3B
2.30%
+0.22%
2.85%
+0.23%
0.03%
4.00%
Poppy Bank · $1K min
3.75% (+3.71%)
< $5B
$879.9B
1.78%
−0.01%
1.51%
±0.00%
0.01%
CNB Bank, Inc. · $500 min
4.10%
First State Bank · $1M min
0.04% (−3.82%)

Median 3-month APY rose 1 bps to 1.76%. The ≥ $100B tier rose 47 bps; no tier posted a decline. The matching 3-month Treasury yield fell 1 bps to 3.68% over the same week.

6-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$14.43T
2.47%
+0.00%
3.00%
±0.00%
0.01%
4.55%
0.04% (−3.82%)
≥ $100B
$11.16T
1.79%
−0.23%
1.13%
−1.62%
0.01%
4.05%
0.50% (−3.20%)
$50B – $100B
$893.8B
2.07%
−0.22%
2.50%
−0.50%
0.01%
3.70%
0.01% (−2.24%)
$10B – $50B
$1.11T
2.74%
−0.08%
3.25%
+0.17%
0.03%
4.10%
0.06% (−2.94%)
$5B – $10B
$394.3B
2.80%
+0.13%
3.40%
+0.05%
0.03%
4.15%
3.50% (+0.30%)
< $5B
$879.9B
2.46%
+0.00%
3.00%
±0.00%
0.01%
4.55%
0.04% (−3.82%)

Median 6-month APY held flat at 3.00%. The $10B – $50B tier rose 17 bps and the ≥ $100B tier fell 162 bps. The matching 6-month Treasury yield rose 2 bps to 3.79% over the same week.

9-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$14.43T
2.59%
−0.01%
3.25%
±0.00%
0.01%
5.30%
3.95% (+3.91%)
≥ $100B
$11.16T
1.93%
−0.14%
2.00%
−1.10%
0.01%
4.10%
2.00% (−1.00%)
$50B – $100B
$893.8B
2.08%
−0.52%
2.08%
−0.92%
0.01%
4.00%
Synchrony Bank · No min
0.30% (−3.85%)
$10B – $50B
$1.11T
2.73%
−0.20%
3.31%
−0.04%
0.02%
4.15%
0.03% (−2.47%)
$5B – $10B
$394.3B
2.87%
+0.04%
3.43%
+0.13%
0.03%
4.15%
Forbright Bank · $1K min
3.50% (+0.30%)
< $5B
$879.9B
2.60%
+0.03%
3.25%
±0.00%
0.03%
5.30%
3.95% (+3.91%)

Median 9-month APY held flat at 3.25%. The $5B – $10B tier rose 13 bps and the ≥ $100B tier fell 110 bps. The matching 9-month Treasury yield rose 3 bps to 3.83% over the same week.

12-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$14.43T
2.48%
−0.02%
3.00%
±0.00%
0.01%
4.59%
0.04% (−3.92%)
≥ $100B
$11.16T
1.89%
−0.22%
1.51%
−1.49%
0.01%
4.10%
0.03% (−2.97%)
$50B – $100B
$893.8B
2.15%
−0.43%
2.33%
−0.87%
0.01%
4.00%
CIBC Bank USA · $1K min
0.90% (−2.85%)
$10B – $50B
$1.11T
2.54%
−0.17%
3.00%
±0.00%
0.03%
Frost Bank · No min
4.10%
0.03% (−2.47%)
$5B – $10B
$394.3B
2.70%
+0.12%
3.20%
+0.20%
0.08%
4.10%
3.65% (+3.61%)
< $5B
$879.9B
2.49%
−0.01%
3.00%
±0.00%
0.01%
CNB Bank, Inc. · $500 min
4.59%
0.04% (−3.92%)

Median 12-month APY held flat at 3.00%. The $5B – $10B tier rose 20 bps and the ≥ $100B tier fell 149 bps. The matching 12-month Treasury yield rose 4 bps to 3.86% 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

  • ME · 12-month: 1.00% (−1.76%)
  • ME · 6-month: 1.51% (−1.49%)
  • RI · 12-month: 1.00% (−1.38%)
  • KS · 9-month: 1.80% (−1.25%)
  • AK · 3-month: 0.45% (−1.23%)

CDs by State — 3-Month

StateBranchesMedian APYWoW ΔTop Mover
AK450.45%−1.23%
0.85% (−2.45%)
AL4912.00%+0.50%N/A
AR2110.65%+0.40%
2.10% (−0.90%)
AZ7441.75%−0.06%
3.80% (+2.19%)
CA40802.46%+0.37%
0.02% (−1.98%)
CO7122.17%±0.00%
0.02% (−1.98%)
CT7641.00%+0.55%
2.00% (+1.90%)
DC1381.18%+0.18%N/A
DE1612.70%±0.00%N/A
FL30072.90%+0.15%
4.00% (+0.85%)
GA8980.50%±0.00%
3.75% (−0.10%)
GU33.10%±0.00%N/A
HI1533.10%±0.00%
0.03% (+0.02%)
IA3691.01%±0.00%
3.80% (+2.19%)
ID2472.30%+0.13%
0.02% (−1.98%)
IL16871.08%±0.00%
3.03% (+0.46%)
IN6981.00%+0.20%N/A
KS4301.27%+0.22%
0.01% (−0.65%)
KY4481.27%+0.77%
2.75% (+0.25%)
LA4331.75%−0.63%N/A
MA11812.64%±0.00%
3.60% (+0.51%)
MD7461.00%+0.15%
0.01% (−0.49%)
ME3201.00%±0.00%
3.56% (+3.46%)
MI13342.59%+0.32%
3.05% (+0.30%)
MN5862.52%±0.00%
3.05% (+0.30%)
MO6431.05%±0.00%
3.32% (+0.02%)
MP12.90%±0.00%N/A
MS2930.25%+0.08%N/A
MT550.95%±0.00%N/A
NC11080.85%+0.10%
2.75% (+0.25%)
ND1141.65%±0.00%N/A
NE2971.31%±0.00%
3.80% (+2.19%)
NH2492.53%+0.51%
3.56% (+3.46%)
NJ14502.70%±0.00%
3.75% (+3.71%)
NM1810.57%±0.00%N/A
NV3331.40%+0.23%
3.50% (+3.46%)
NY24972.88%+0.13%
3.75% (−0.25%)
OH14890.60%+0.10%
4.00% (+0.85%)
OK2281.63%±0.00%N/A
OR4981.50%−0.50%
0.02% (−1.98%)
PA21221.00%+0.25%
3.75% (+3.71%)
PR31.82%±0.00%N/A
RI1433.00%±0.00%
3.60% (+0.51%)
SC5060.92%+0.01%
3.03% (+1.52%)
SD973.13%±0.00%N/A
TN7971.50%+0.38%
2.75% (+0.25%)
TX24992.00%±0.00%
0.06% (−3.49%)
UT3700.55%−0.95%
0.04% (−3.82%)
VA11651.00%+0.07%N/A
VT853.50%±0.00%N/A
WA8432.46%−0.04%
0.04% (−3.56%)
WI8870.50%±0.00%
3.05% (+0.30%)
WV1890.50%±0.00%
0.01% (−0.49%)
WY641.86%±0.00%N/A

CDs by State — 6-Month

StateBranchesMedian APYWoW ΔTop Mover
AK601.03%±0.00%N/A
AL5142.28%−0.72%
0.50% (−3.20%)
AR3892.70%−0.25%
0.50% (−3.20%)
AZ8022.53%−0.50%
0.50% (−3.20%)
CA42893.29%−0.10%
0.50% (−3.20%)
CO7273.08%−0.02%
0.50% (−3.20%)
CT8622.00%−0.51%
0.50% (−3.20%)
DC1472.87%−0.08%
0.50% (−3.20%)
DE1683.00%−0.20%
0.50% (−3.20%)
FL30673.42%+0.04%
0.50% (−3.20%)
GA10211.75%±0.00%
0.50% (−3.20%)
GU22.60%±0.00%N/A
HI1412.67%±0.00%
0.03% (+0.01%)
IA4362.53%−0.67%
4.05% (+3.60%)
ID2683.02%−0.02%
0.50% (−3.20%)
IL17752.28%−0.07%
0.50% (−3.20%)
IN7771.91%−0.34%
0.50% (−3.20%)
KS5182.45%−0.30%
0.03% (−3.39%)
KY4852.02%±0.00%
0.50% (−3.20%)
LA4882.85%−0.26%
0.50% (−3.20%)
MA16362.50%−0.25%
0.50% (−3.20%)
MD8222.00%−0.50%
0.50% (−3.20%)
ME3961.51%−1.49%
0.03% (−3.22%)
MI15402.73%−0.02%
0.50% (−3.20%)
MN6563.00%±0.00%
0.50% (−3.20%)
MO7502.75%±0.00%
3.89% (+3.74%)
MP12.60%±0.00%N/A
MS3340.38%−0.22%
0.50% (−3.20%)
MT553.22%−0.39%
0.50% (−3.20%)
NC13421.00%−0.75%
0.50% (−3.20%)
ND1172.76%−0.38%
0.50% (−3.20%)
NE4452.65%−0.29%
0.50% (−3.20%)
NH3313.00%±0.00%
0.50% (−3.20%)
NJ16992.76%−0.24%
0.05% (−3.70%)
NM2052.17%−0.83%
0.50% (−3.20%)
NV3372.81%−0.08%
3.80% (+3.76%)
NY33203.01%−0.24%
0.50% (−3.20%)
OH17562.55%+0.17%
0.50% (−3.20%)
OK3412.77%−0.20%
0.50% (−3.20%)
OR5853.00%−0.05%
0.50% (−3.20%)
PA23452.52%−0.24%
0.50% (−3.20%)
PR33.27%+0.25%
3.00% (+0.50%)
RI2152.00%−0.87%
0.50% (−3.20%)
SC6591.00%−0.50%
0.50% (−3.20%)
SD1073.23%−0.20%
0.50% (−3.20%)
TN8972.81%−0.69%
0.50% (−3.20%)
TX27043.00%−0.02%
0.50% (−3.20%)
UT4233.30%−0.03%
0.04% (−3.82%)
VA12331.98%−0.11%
0.50% (−3.20%)
VI24.15%N/A
VT1632.84%−0.46%
0.50% (−3.20%)
WA11303.00%−0.10%
0.04% (−3.56%)
WI10842.00%±0.00%
3.75% (+3.25%)
WV2111.25%−0.50%
0.50% (−3.20%)
WY652.98%−0.16%
0.50% (−3.20%)

CDs by State — 9-Month

StateBranchesMedian APYWoW ΔTop Mover
AK191.02%±0.00%N/A
AL3390.50%±0.00%N/A
AR1682.98%±0.00%
4.09% (+0.25%)
AZ4582.08%−0.52%
0.30% (−3.85%)
CA24233.29%−0.01%
0.30% (−3.85%)
CO4922.61%−0.52%
0.30% (−3.85%)
CT4721.88%−0.12%
2.00% (−1.00%)
DC772.85%−0.25%
2.00% (−1.00%)
DE523.20%−0.08%
2.00% (−1.00%)
FL19833.08%−0.13%
2.00% (−1.00%)
GA5462.76%−0.49%
3.80% (+0.10%)
HI583.36%±0.00%
0.03% (−0.05%)
IA2633.25%+0.05%
0.30% (−3.85%)
ID1772.63%±0.00%
3.31% (−0.25%)
IL13582.78%−0.27%
0.30% (−3.85%)
IN5743.20%+0.00%
3.55% (+0.31%)
KS2241.80%−1.25%
0.30% (−3.85%)
KY2883.05%±0.00%N/A
LA4333.00%−0.21%N/A
MA9673.25%±0.00%
0.03% (−2.47%)
MD3782.78%−0.07%
2.00% (−1.00%)
ME2372.02%−0.83%
0.03% (−2.97%)
MI11662.50%+0.38%
3.50% (+0.30%)
MN3203.20%−0.02%
0.30% (−3.85%)
MO4352.54%−0.61%
0.30% (−3.85%)
MS2030.38%±0.00%N/A
MT223.25%±0.00%N/A
NC7131.35%−0.35%N/A
ND383.25%±0.00%
3.52% (+0.11%)
NE2292.10%−0.40%
0.30% (−3.85%)
NH1923.23%−0.02%
0.03% (−2.47%)
NJ10393.00%−0.20%
0.05% (−3.45%)
NM1121.98%−0.63%
0.30% (−3.85%)
NV1823.05%±0.00%
3.95% (+3.91%)
NY20003.00%−0.25%
2.00% (−1.00%)
OH14773.05%±0.00%
4.00% (−0.25%)
OK1111.80%−0.90%
0.30% (−3.85%)
OR3762.63%±0.00%
3.31% (−0.25%)
PA14992.76%−0.03%
2.00% (−1.00%)
PR22.00%−1.00%
2.00% (−1.00%)
RI871.50%−0.50%
2.00% (−1.00%)
SC2831.00%−0.34%
3.01% (+0.25%)
SD372.49%−0.50%
2.00% (−1.00%)
TN6452.27%+0.40%
4.09% (+0.25%)
TX12343.04%−0.01%
0.30% (−3.85%)
UT2363.25%−0.02%
0.30% (−3.85%)
VA5572.45%−0.40%
2.00% (−1.00%)
VT680.55%+0.03%N/A
WA6193.05%±0.00%
3.31% (−0.25%)
WI6943.25%+0.02%
0.30% (−3.85%)
WV1172.00%±0.00%N/A
WY301.33%±0.00%N/A

CDs by State — 12-Month

StateBranchesMedian APYWoW ΔTop Mover
AK602.65%−0.05%
3.15% (−0.10%)
AL5041.90%±0.00%
0.50% (−1.00%)
AR3211.38%−0.65%
0.03% (−2.97%)
AZ7503.00%−0.04%
0.03% (−2.97%)
CA42133.00%−0.02%
0.03% (−2.97%)
CO7172.98%−0.11%
0.03% (−2.97%)
CT8111.75%−0.77%
0.15% (−3.00%)
DC1491.75%±0.00%
0.03% (−2.97%)
DE1503.00%±0.00%
0.03% (−2.97%)
FL31633.04%−0.21%
0.03% (−2.97%)
GA9622.00%±0.00%
0.03% (−2.97%)
GU32.80%±0.00%N/A
HI1562.72%+0.07%
0.08% (+0.04%)
IA4323.13%−0.11%
0.03% (−2.97%)
ID2683.00%±0.00%
0.03% (−2.97%)
IL17802.20%−0.08%
0.03% (−2.97%)
IN8742.65%+0.13%
0.03% (−2.97%)
KS5132.70%−0.06%
0.03% (−3.33%)
KY4822.75%±0.00%
0.03% (−2.97%)
LA4912.88%−0.13%
0.50% (−1.00%)
MA13262.75%−0.15%
0.03% (−2.97%)
MD8251.75%−0.25%
0.03% (−2.97%)
ME3741.00%−1.76%
0.03% (−3.22%)
MI15203.00%+0.13%
0.03% (−2.97%)
MN6703.20%−0.05%
0.03% (−2.97%)
MO6902.52%−0.23%
0.03% (−2.97%)
MP12.40%±0.00%N/A
MS3340.88%−0.50%
0.50% (−1.00%)
MT542.94%±0.00%
0.50% (−1.00%)
NC13061.00%−0.19%
0.03% (−2.97%)
ND1323.02%±0.00%
0.50% (−1.00%)
NE4482.94%−0.16%
0.03% (−2.97%)
NH2653.00%±0.00%
0.03% (−2.97%)
NJ15062.88%−0.13%
3.65% (+3.61%)
NM2051.51%−0.74%
0.03% (−2.97%)
NV3372.33%−0.29%
3.80% (+3.76%)
NY30322.81%−0.19%
0.03% (−2.97%)
OH17173.13%+0.13%
0.03% (−2.97%)
OK3222.75%−0.10%
0.03% (−2.97%)
OR5913.00%±0.00%
0.03% (−2.97%)
PA20742.26%−0.01%
3.65% (+3.61%)
PR31.77%±0.00%N/A
RI1161.00%−1.38%
0.03% (−2.97%)
SC6251.00%−0.54%
0.03% (−2.97%)
SD1073.25%±0.00%
0.50% (−1.00%)
TN8553.00%−0.01%
0.03% (−2.97%)
TX26622.93%−0.09%
0.03% (−2.97%)
UT4283.27%−0.05%
0.04% (−3.92%)
VA12372.20%±0.00%
0.03% (−2.97%)
VT1502.50%−0.26%
1.15% (−2.40%)
WA11183.15%−0.10%
0.04% (−3.56%)
WI10872.37%+0.04%
0.90% (−2.85%)
WV2111.25%−0.25%
0.50% (−1.00%)
WY622.60%±0.00%
0.50% (−1.00%)

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