Weekly CD Rate Report

Week ending July 19, 2026

Comparison week ending July 12, 2026

Key stats

All US banks · week-over-week
3-month CD
2.00%
median APY
−0.02% WoW
Matching Treasury
3.85%±0 bps
6-month CD
3.20%
median APY
±0.00% WoW
Matching Treasury
3.96%−3 bps
9-month CD
3.39%
median APY
+0.04% WoW
Matching Treasury
3.98%−4 bps
12-month CD
3.25%
median APY
±0.00% WoW
Matching Treasury
4.01%−5 bps
At a glance

Executive Summary

  • CD rates were mixed, with the 3-month lower, the 6-month flat, the 9-month higher, and the 12-month flat diverging from Treasury yields.
  • The 3-month median APY fell 2 bps to 2.00% this week. The $50B – $100B tier fell 87 bps; no tier posted an increase. The matching 3-month Treasury yield held flat to 3.85%. Largest single-bank move: Webster Bank, National Association cut 374 bps.
  • The 6-month median APY held flat at 3.20% this week. The $50B – $100B tier rose 33 bps and the $5B – $10B tier fell 20 bps. The matching 6-month Treasury yield fell 3 bps to 3.96% over the same week. Largest single-bank move: Bank of America California, National Association cut 395 bps.
  • The 9-month median APY rose 4 bps to 3.39% this week. Tier-level moves were broadly flat across deposit sizes. The matching 9-month Treasury yield fell 4 bps to 3.98% over the same week. Largest single-bank move: Farmers State Bank raised 380 bps.
  • The 12-month median APY held flat at 3.25% this week. The $50B – $100B tier rose 103 bps and the $10B – $50B tier fell 10 bps. The matching 12-month Treasury yield fell 5 bps to 4.01% over the same week. Unusual: one moved materially while the other was essentially flat. Largest single-bank move: Signature Bank raised 390 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
$15.37T
1.91%
−0.04%
2.00%
−0.02%
0.01%
Regions Bank · $500 min
5.02%
R Bank · $1K min
0.01% (−3.74%)
≥ $100B
$11.60T
1.34%
−0.00%
0.38%
±0.00%
0.01%
Regions Bank · $500 min
3.96%
3.96% (−0.05%)
$50B – $100B
$876.7B
1.30%
−0.37%
1.13%
−0.88%
0.01%
3.55%
0.01% (−3.74%)
$10B – $50B
$1.23T
2.44%
−0.05%
3.00%
−0.05%
0.02%
4.10%
Popular Bank · $1M min
3.15% (−0.85%)
$5B – $10B
$410.0B
2.36%
−0.00%
2.80%
±0.00%
0.03%
5.00%
0.05% (−0.01%)
< $5B
$1.26T
1.88%
−0.02%
1.90%
−0.10%
0.03%
5.02%
R Bank · $1K min
3.44% (+3.41%)

Median 3-month APY fell 2 bps to 2.00%. The $50B – $100B tier fell 87 bps; no tier posted an increase. The matching 3-month Treasury yield held flat to 3.85%.

6-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$15.37T
2.64%
+0.01%
3.20%
±0.00%
0.01%
5.07%
R Bank · $1K min
0.05% (−3.95%)
≥ $100B
$11.60T
1.93%
+0.01%
2.25%
±0.00%
0.01%
4.05%
3.50% (+0.25%)
$50B – $100B
$876.7B
2.66%
+0.27%
3.35%
+0.33%
0.01%
3.70%
3.50% (+3.25%)
$10B – $50B
$1.23T
2.76%
−0.08%
3.15%
−0.10%
0.05%
4.27%
0.05% (−3.95%)
$5B – $10B
$410.0B
2.64%
−0.16%
3.15%
−0.20%
0.05%
5.00%
0.05% (−3.20%)
< $5B
$1.26T
2.65%
+0.01%
3.20%
±0.00%
0.01%
5.07%
R Bank · $1K min
0.05% (−3.65%)

Median 6-month APY held flat at 3.20%. The $50B – $100B tier rose 33 bps and the $5B – $10B tier fell 20 bps. The matching 6-month Treasury yield fell 3 bps to 3.96% over the same week.

9-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$15.37T
2.81%
+0.02%
3.39%
+0.04%
0.01%
Regions Bank · $500 min
5.30%
0.20% (−3.80%)
≥ $100B
$11.60T
1.68%
+0.03%
1.00%
±0.00%
0.01%
Regions Bank · $500 min
4.12%
3.75% (+0.45%)
$50B – $100B
$876.7B
2.12%
±0.00%
2.17%
±0.00%
0.01%
3.90%
CIBC Bank USA · $1K min
N/A
$10B – $50B
$1.23T
3.03%
+0.01%
3.50%
±0.00%
0.02%
4.65%
BERKSHIRE BANK · $500 min
3.85% (+0.35%)
$5B – $10B
$410.0B
2.97%
+0.00%
3.38%
±0.00%
0.05%
4.50%
0.08% (+0.05%)
< $5B
$1.26T
2.84%
+0.01%
3.40%
±0.00%
0.05%
5.30%
0.20% (−3.80%)

Median 9-month APY rose 4 bps to 3.39%. Tier-level moves were broadly flat across deposit sizes. The matching 9-month Treasury yield fell 4 bps to 3.98% over the same week.

12-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$15.37T
2.75%
+0.02%
3.25%
±0.00%
0.01%
5.38%
4.00% (+3.90%)
≥ $100B
$11.60T
1.91%
+0.00%
1.39%
±0.00%
0.01%
Regions Bank · $500 min
4.30%
4.30% (+0.05%)
$50B – $100B
$876.7B
2.32%
+0.08%
3.20%
+1.03%
0.01%
4.00%
CIBC Bank USA · $1K min
3.75% (+2.85%)
$10B – $50B
$1.23T
2.78%
−0.06%
3.00%
−0.10%
0.05%
5.00%
BERKSHIRE BANK · $500 min
3.00% (−1.86%)
$5B – $10B
$410.0B
2.73%
−0.05%
3.20%
−0.05%
0.10%
4.50%
1.25% (−2.50%)
< $5B
$1.26T
2.77%
+0.02%
3.25%
±0.00%
0.01%
5.38%
4.00% (+3.90%)

Median 12-month APY held flat at 3.25%. The $50B – $100B tier rose 103 bps and the $10B – $50B tier fell 10 bps. The matching 12-month Treasury yield fell 5 bps to 4.01% 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

  • LA · 9-month: 3.00% (+2.25%)
  • AL · 3-month: 2.24% (+1.74%)
  • ND · 9-month: 2.01% (+1.51%)
  • RI · 3-month: 1.51% (−1.49%)
  • VT · 3-month: 2.35% (+1.35%)

CDs by State — 3-Month

StateBranchesMedian APYWoW ΔTop Mover
AK511.75%+0.90%N/A
AL5652.24%+1.74%N/A
AR2260.50%+0.10%
2.10% (−0.90%)
AZ7512.08%+0.08%N/A
CA43662.74%−0.00%
0.10% (−0.10%)
CO7272.50%+0.17%
2.75% (−0.30%)
CT6760.33%−0.17%
0.01% (−3.74%)
DC1301.00%±0.00%N/A
DE1361.80%−0.60%N/A
FL30832.25%−0.38%
3.15% (−0.85%)
GA9840.50%±0.00%N/A
GU62.90%±0.00%N/A
HI2142.90%±0.00%N/A
IA4141.13%+0.23%
2.75% (−0.30%)
ID3401.83%±0.00%N/A
IL18231.05%−0.20%
3.95% (−0.10%)
IN7781.60%−0.40%
3.55% (+1.89%)
KS4701.51%+0.51%
0.73% (+0.10%)
KY5060.88%−0.65%
3.00% (+0.25%)
LA4521.82%+0.82%
3.44% (+3.41%)
MA12792.50%−0.38%
0.01% (−3.74%)
MD6191.00%±0.00%
0.03% (−0.07%)
ME3361.65%+0.65%
1.06% (+0.71%)
MI15122.50%+0.12%
2.00% (+1.98%)
MN6122.52%−0.48%
2.75% (−0.30%)
MO6801.00%−0.05%N/A
MP21.51%±0.00%N/A
MS3230.50%+0.17%
1.25% (−0.93%)
MT650.50%+0.05%N/A
NC13811.00%±0.00%
3.00% (+0.25%)
ND1212.45%+0.93%
3.40% (+2.00%)
NE3301.00%−0.20%
3.60% (−0.15%)
NH2372.53%+0.51%
0.10% (−0.05%)
NJ14392.75%−0.25%N/A
NM2121.00%±0.00%
3.14% (+0.10%)
NV3381.73%±0.00%
3.50% (−0.15%)
NY22462.45%−0.15%
0.01% (−3.74%)
OH15640.65%+0.10%
3.15% (−0.85%)
OK2812.12%−0.10%N/A
OR5111.48%±0.00%N/A
PA20831.25%±0.00%
0.03% (−0.07%)
PR31.92%+0.05%
3.80% (+0.10%)
RI1531.51%−1.49%
0.01% (−3.74%)
SC7100.98%+0.05%N/A
SD1103.08%+0.06%
3.40% (+0.15%)
TN8931.13%+0.13%
1.25% (−0.93%)
TX27052.50%±0.00%
3.30% (−0.25%)
UT4761.36%−0.41%N/A
VA12571.00%±0.00%
1.36% (+0.31%)
VI25.00%±0.00%N/A
VT572.35%+1.35%
2.35% (+2.10%)
WA9082.50%±0.00%N/A
WI9670.50%±0.00%
2.75% (−0.30%)
WV1980.50%±0.00%
2.70% (−0.05%)
WY772.47%+1.29%N/A

CDs by State — 6-Month

StateBranchesMedian APYWoW ΔTop Mover
AK652.38%+1.34%N/A
AL7093.45%+0.10%
2.53% (+0.03%)
AR4533.00%+0.20%
1.55% (+0.05%)
AZ8553.20%+0.15%
3.50% (+3.25%)
CA45493.22%−0.03%
0.05% (−3.95%)
CO7643.20%+0.22%
3.50% (+3.25%)
CT8701.88%+0.12%
3.50% (+0.25%)
DC1522.89%+0.02%
3.50% (+0.25%)
DE1773.00%−0.10%
3.50% (+0.25%)
FL31623.44%+0.05%
3.20% (−0.30%)
GA11202.95%+0.11%N/A
GU62.60%±0.00%N/A
HI2322.67%+0.07%
3.25% (−0.25%)
IA5503.15%+0.64%
3.50% (+3.25%)
ID3772.76%−0.24%
1.45% (−2.06%)
IL19112.27%−0.13%
3.50% (+3.25%)
IN8782.75%−0.30%
1.01% (−2.39%)
KS5792.77%+0.15%
3.50% (+3.25%)
KY6082.79%−0.21%
3.50% (+0.20%)
LA5513.25%+0.37%
3.43% (+3.40%)
MA16972.67%−0.08%
3.50% (+0.25%)
MD8582.54%±0.00%
3.50% (+0.25%)
ME4483.15%+0.15%
1.36% (+0.76%)
MI18653.05%+0.26%
3.60% (+3.56%)
MN7143.15%−0.09%
3.50% (+3.25%)
MO8382.79%+0.46%
3.50% (+3.25%)
MP21.33%±0.00%N/A
MS3821.50%+0.55%
1.41% (−1.11%)
MT863.19%+0.27%N/A
NC17922.25%+0.16%
1.50% (−0.30%)
ND1243.00%+1.35%
3.20% (+1.70%)
NE5012.76%+0.51%
3.90% (+3.40%)
NH3603.25%±0.00%
3.35% (+3.25%)
NJ16703.00%±0.00%
3.75% (+3.65%)
NM2462.77%+0.39%
3.50% (+3.25%)
NV3442.84%−0.08%
3.80% (−0.15%)
NY33323.25%−0.05%
2.45% (+2.10%)
OH18962.94%±0.00%
0.05% (−3.65%)
OK4133.34%+0.54%
3.50% (+3.25%)
OR6062.50%−0.26%
2.50% (−1.50%)
PA24573.00%+0.25%
3.75% (+3.65%)
PR33.42%+0.07%
3.85% (+0.15%)
RI1862.25%+0.25%N/A
SC7621.75%±0.00%
0.02% (−1.75%)
SD1333.43%+0.31%N/A
TN10773.25%+0.44%
1.41% (−1.11%)
TX30013.38%+0.17%
3.50% (+3.25%)
UT5513.50%+0.04%
3.50% (+3.25%)
VA14272.52%±0.00%
1.50% (+0.30%)
VI25.00%±0.00%N/A
VT1872.92%+0.08%
2.45% (+2.10%)
WA12143.30%+0.05%N/A
WI12192.17%+0.08%
3.65% (+3.55%)
WV2242.55%+0.55%
3.50% (+0.25%)
WY943.13%+0.55%N/A

CDs by State — 9-Month

StateBranchesMedian APYWoW ΔTop Mover
AK191.02%±0.00%N/A
AL3480.35%+0.10%N/A
AR1832.70%+0.90%N/A
AZ4742.25%±0.00%N/A
CA27833.42%−0.08%
3.56% (+0.50%)
CO5062.65%+0.48%
3.20% (−0.30%)
CT4612.00%±0.00%
3.65% (+0.15%)
DC803.40%−0.10%N/A
DE593.28%−0.07%
3.85% (+0.35%)
FL20013.30%±0.00%
3.30% (+2.95%)
GA5802.20%−0.02%N/A
GU30.09%±0.00%N/A
HI1192.25%±0.00%
0.08% (+0.05%)
IA3473.20%+0.67%
4.00% (+3.80%)
ID2243.05%−0.25%N/A
IL13902.27%+0.37%
4.05% (−0.05%)
IN6502.98%+0.19%N/A
KS2462.70%+0.68%N/A
KY3062.79%−0.26%N/A
LA4403.00%+2.25%
3.53% (+3.49%)
MA9813.25%±0.00%
3.50% (+0.70%)
MD4183.35%±0.00%N/A
ME2533.23%+0.13%
1.36% (+0.76%)
MI12422.75%+0.04%
3.20% (−0.30%)
MN3313.25%+1.00%
3.20% (−0.30%)
MO4802.13%+0.33%N/A
MP10.09%±0.00%N/A
MS2090.50%+0.33%N/A
MT342.34%+0.26%N/A
NC9391.98%+0.63%N/A
ND412.01%+1.51%N/A
NE2462.00%+0.29%N/A
NH1823.23%−0.02%N/A
NJ8593.23%+0.02%N/A
NM1231.98%±0.00%N/A
NV1993.17%−0.12%N/A
NY19043.30%±0.00%
4.27% (+0.11%)
OH15452.79%−0.13%
4.25% (+0.25%)
OK1212.70%+0.45%N/A
OR4993.00%+0.35%N/A
PA15693.25%+0.25%N/A
PR22.00%±0.00%N/A
RI691.50%±0.00%
3.50% (+0.70%)
SC4761.50%+0.50%N/A
SD452.49%+0.49%N/A
TN6852.25%+1.25%
3.60% (+0.35%)
TX12913.05%±0.00%
4.12% (+0.05%)
UT3133.44%+0.02%
3.75% (+0.45%)
VA7013.10%−0.10%
3.35% (−0.90%)
VI24.50%±0.00%N/A
VT833.40%±0.00%
0.44% (−0.11%)
WA7533.25%±0.00%N/A
WI7262.53%±0.00%
0.20% (−3.80%)
WV1282.67%+0.55%N/A
WY351.33%+0.83%N/A

CDs by State — 12-Month

StateBranchesMedian APYWoW ΔTop Mover
AK663.15%+0.51%N/A
AL7063.40%+0.10%
1.25% (+0.25%)
AR3602.00%+0.75%N/A
AZ8183.22%+0.13%
3.75% (+2.85%)
CA45953.29%+0.04%
3.75% (+2.85%)
CO7803.29%+0.12%
3.75% (+2.85%)
CT8352.27%+0.52%
3.25% (+3.22%)
DC1593.00%+0.10%
0.05% (−0.95%)
DE1613.00%−0.25%
4.00% (+0.75%)
FL32723.33%+0.05%
3.35% (+3.00%)
GA10713.28%+0.63%
3.75% (+0.25%)
GU62.90%±0.00%N/A
HI2432.90%+0.13%
0.13% (+0.05%)
IA5503.13%+0.97%
3.75% (+2.85%)
ID3773.13%−0.13%
1.70% (−1.70%)
IL19102.28%+0.06%
4.00% (+3.90%)
IN9923.00%−0.05%
1.25% (−2.50%)
KS5723.03%+0.33%
3.75% (+2.85%)
KY5962.89%+0.39%
3.90% (+0.20%)
LA5563.30%+0.47%
3.50% (+3.46%)
MA15012.75%±0.00%N/A
MD8773.00%+0.20%
0.05% (−0.95%)
ME4553.00%+0.24%
1.50% (+0.65%)
MI18563.25%+0.25%
3.35% (+3.32%)
MN7243.25%+0.22%
3.75% (+2.85%)
MO7723.03%+0.48%
3.75% (+2.85%)
MP21.50%±0.00%N/A
MS3822.00%+0.75%N/A
MT853.25%+1.02%N/A
NC17672.48%−0.17%
1.01% (−1.99%)
ND1393.00%±0.00%
2.90% (+1.00%)
NE4922.97%+0.75%
3.75% (+3.00%)
NH3343.05%−0.05%
0.15% (−0.20%)
NJ15633.13%−0.15%
3.00% (−0.25%)
NM2523.00%+0.75%
3.75% (+2.85%)
NV3482.46%±0.00%
3.75% (+0.25%)
NY31093.17%−0.11%
2.50% (+2.10%)
OH19003.38%−0.13%
0.07% (−3.63%)
OK3962.99%+0.34%
3.75% (+2.85%)
OR6122.95%−0.02%N/A
PA22663.14%+0.19%
0.20% (−3.14%)
PR31.97%+0.05%
3.90% (+0.10%)
RI1332.38%+0.88%N/A
SC7352.00%±0.00%
0.05% (−0.95%)
SD1243.29%±0.00%
4.10% (+0.47%)
TN10203.01%+0.32%
3.60% (+0.35%)
TX30943.33%+0.08%
3.75% (+2.85%)
UT5623.70%+0.03%
3.75% (+2.85%)
VA14703.00%±0.00%
0.05% (−0.95%)
VI24.50%±0.00%N/A
VT1853.10%−0.12%
2.50% (+2.10%)
WA12273.25%±0.00%
3.75% (+0.25%)
WI12152.52%+0.02%
3.75% (+2.85%)
WV2312.25%+0.63%
0.05% (−0.95%)
WY913.09%+0.92%N/A

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