Weekly CD Rate Report — Week Ending July 26, 2026

Key stats

All US banks · week-over-week

3-month CD

2.00%

median APY

±0.00% WoW

Matching Treasury

3.96%+11 bps

6-month CD

3.23%

median APY

+0.03% WoW

Matching Treasury

4.08%+12 bps

9-month CD

3.35%

median APY

−0.04% WoW

Matching Treasury

4.11%+12 bps

12-month CD

3.25%

median APY

±0.00% WoW

Matching Treasury

4.14%+13 bps

At a glance

Executive Summary

CD rates were mixed, with the 3-month flat, the 6-month higher, the 9-month lower, and the 12-month flat diverging from Treasury yields.
The 3-month median APY held flat at 2.00% this week. The < $5B tier rose 6 bps and the $5B – $10B tier fell 18 bps. The matching 3-month Treasury yield rose 11 bps to 3.96% over the same week. Unusual: one moved materially while the other was essentially flat. Largest single-bank move: DIGITAL FEDERAL CREDIT UNION cut 372 bps.
The 6-month median APY rose 3 bps to 3.23% this week. The $5B – $10B tier rose 27 bps and the $50B – $100B tier fell 33 bps. The matching 6-month Treasury yield rose 12 bps to 4.08% over the same week. Largest single-bank move: ASPEN FEDERAL CREDIT UNION cut 386 bps.
The 9-month median APY fell 4 bps to 3.35% this week. The $10B – $50B tier fell 12 bps; no tier posted an increase. The matching 9-month Treasury yield rose 12 bps to 4.11% over the same week. Largest single-bank move: ASPEN FEDERAL CREDIT UNION cut 381 bps.
The 12-month median APY held flat at 3.25% this week. The ≥ $100B tier rose 37 bps and the $50B – $100B tier fell 103 bps. The matching 12-month Treasury yield rose 13 bps to 4.14% over the same week. Unusual: one moved materially while the other was essentially flat. Largest single-bank move: Quaint Oak Bank cut 386 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	$15.37T	1.92% +0.01%	2.00% ±0.00%	0.01% First National Bank of Clarksdale · No min	5.02% R Bank · $1K min	DIGITAL FEDERAL CREDIT UNION 0.03% (−3.72%)
≥ $100B	$11.60T	1.34% +0.00%	0.38% ±0.00%	0.01% Regions Bank · $500 min	4.01% Charles Schwab Bank, SSB · No min	Charles Schwab Bank, SSB 4.01% (+0.05%)
$50B – $100B	$876.7B	1.30% ±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	$1.23T	2.38% −0.07%	3.00% ±0.00%	0.02% Associated Bank, National Association · $1K min	4.10% Popular Bank · $1M min	DIGITAL FEDERAL CREDIT UNION 0.03% (−3.72%)
$5B – $10B	$415.2B	2.22% −0.14%	2.62% −0.18%	0.03% Central Pacific Bank · $100K min	5.00% United Fidelity Bank, fsb · $1K min	TrustCo Bank 0.20% (−3.30%)
< $5B	$1.25T	1.90% +0.02%	1.96% +0.06%	0.01% First National Bank of Clarksdale · No min	5.02% R Bank · $1K min	GFA FEDERAL CREDIT UNION 3.75% (+3.55%)

Median 3-month APY held flat at 2.00%. The < $5B tier rose 6 bps and the $5B – $10B tier fell 18 bps. The matching 3-month Treasury yield rose 11 bps to 3.96% over the same week.

6-Month CDs

Tier	Total Deposits	Avg	Median	Min	Max	Top Mover
All banks	$15.37T	2.64% +0.00%	3.23% +0.03%	0.01% CHROME FEDERAL CREDIT UNION · No min	5.07% R Bank · $1K min	ASPEN FEDERAL CREDIT UNION 0.04% (−3.86%)
≥ $100B	$11.60T	1.94% +0.01%	2.25% ±0.00%	0.01% Fifth Third Bank, National Association · $50K min	4.05% Morgan Stanley Private Bank, National Association · No min	Regions Bank 3.50% (+0.25%)
$50B – $100B	$876.7B	2.25% −0.42%	3.02% −0.33%	0.01% USAA Federal Savings Bank · $250 min	4.00% Synchrony Bank · No min	UMB Bank, National Association 0.25% (−3.25%)
$10B – $50B	$1.23T	2.69% −0.06%	3.08% −0.07%	0.04% DIGITAL FEDERAL CREDIT UNION · $500 min	4.27% State Bank of India · No min	DIGITAL FEDERAL CREDIT UNION 0.04% (−3.46%)
$5B – $10B	$415.2B	2.76% +0.12%	3.42% +0.27%	0.03% Central Pacific Bank · $100K min	5.00% United Fidelity Bank, fsb · $1K min	Old Second National Bank 3.50% (+3.45%)
< $5B	$1.25T	2.65% +0.00%	3.25% +0.05%	0.01% CHROME FEDERAL CREDIT UNION · No min	5.07% R Bank · $1K min	ASPEN FEDERAL CREDIT UNION 0.04% (−3.86%)

Median 6-month APY rose 3 bps to 3.23%. The $5B – $10B tier rose 27 bps and the $50B – $100B tier fell 33 bps. The matching 6-month Treasury yield rose 12 bps to 4.08% over the same week.

9-Month CDs

Tier	Total Deposits	Avg	Median	Min	Max	Top Mover
All banks	$15.37T	2.80% −0.01%	3.35% −0.04%	0.01% Webster Bank, National Association · $500 min	5.30% CCFBank National Association · $5K min	ASPEN FEDERAL CREDIT UNION 0.04% (−3.81%)
≥ $100B	$11.60T	1.68% +0.00%	1.00% ±0.00%	0.01% Fifth Third Bank, National Association · $50K min	4.12% Charles Schwab Bank, SSB · No min	Regions Bank 0.03% (+0.02%)
$50B – $100B	$876.7B	2.14% +0.02%	2.17% ±0.00%	0.01% Webster Bank, National Association · $500 min	4.00% CIBC Bank USA · $1K min	CIBC Bank USA 4.00% (+0.10%)
$10B – $50B	$1.23T	2.89% −0.14%	3.38% −0.13%	0.02% Associated Bank, National Association · $1K min	4.65% BERKSHIRE BANK · $500 min	DIGITAL FEDERAL CREDIT UNION 0.04% (−3.46%)
$5B – $10B	$415.2B	2.89% −0.08%	3.30% −0.08%	0.03% Central Pacific Bank · $100K min	4.50% United Fidelity Bank, fsb · $1K min	TrustCo Bank 0.40% (−3.20%)
< $5B	$1.25T	2.84% +0.00%	3.40% ±0.00%	0.02% First National Bank of Clarksdale · No min	5.30% CCFBank National Association · $5K min	ASPEN FEDERAL CREDIT UNION 0.04% (−3.81%)

Median 9-month APY fell 4 bps to 3.35%. The $10B – $50B tier fell 12 bps; no tier posted an increase. The matching 9-month Treasury yield rose 12 bps to 4.11% over the same week.

12-Month CDs

Tier	Total Deposits	Avg	Median	Min	Max	Top Mover
All banks	$15.37T	2.75% +0.01%	3.25% ±0.00%	0.01% USAA Federal Savings Bank · $250 min	5.38% TOWN & COUNTRY FEDERAL CREDIT UNION · $500 min	Quaint Oak Bank 0.04% (−3.86%)
≥ $100B	$11.60T	1.99% +0.09%	1.75% +0.37%	0.01% Fifth Third Bank, National Association · $50K min	4.35% Charles Schwab Bank, SSB · No min	UBS Bank USA, National Association 2.00% (+1.98%)
$50B – $100B	$876.7B	2.13% −0.18%	2.17% −1.03%	0.01% USAA Federal Savings Bank · $250 min	4.15% CIBC Bank USA · $1K min	UMB Bank, National Association 0.90% (−2.85%)
$10B – $50B	$1.23T	2.75% −0.03%	3.00% ±0.00%	0.03% DIGITAL FEDERAL CREDIT UNION · $500 min	5.00% BERKSHIRE BANK · $500 min	DIGITAL FEDERAL CREDIT UNION 0.03% (−3.22%)
$5B – $10B	$415.2B	2.71% −0.02%	3.15% −0.05%	0.08% Central Pacific Bank · $100K min	4.50% United Fidelity Bank, fsb · $1K min	Centier Bank 3.75% (+2.50%)
< $5B	$1.25T	2.77% +0.01%	3.25% ±0.00%	0.01% The Ohio Valley Bank Company · $500 min	5.38% TOWN & COUNTRY FEDERAL CREDIT UNION · $500 min	Quaint Oak Bank 0.04% (−3.86%)

Median 12-month APY held flat at 3.25%. The ≥ $100B tier rose 37 bps and the $50B – $100B tier fell 103 bps. The matching 12-month Treasury yield rose 13 bps to 4.14% 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

VT · 9-month: 0.75% (−2.65%)
VT · 3-month: 1.00% (−1.35%)
SD · 9-month: 1.25% (−1.24%)
FL · 3-month: 1.36% (−0.89%)
ND · 3-month: 1.57% (−0.88%)

CDs by State — 3-Month

State	Branches	Median APY	WoW Δ	Top Mover
AK	51	1.90%	+0.15%	First Bank 3.30% (+2.45%)
AL	565	2.24%	±0.00%	N/A
AR	226	0.50%	±0.00%	Fidelity Bank 3.00% (+0.90%)
AZ	751	1.81%	−0.28%	Bankers Trust Company 1.61% (−2.19%)
CA	4366	2.74%	±0.00%	DIGITAL FEDERAL CREDIT UNION 0.03% (−3.72%)
CO	727	2.50%	±0.00%	N/A
CT	680	0.82%	+0.50%	Jewett City Savings Bank 4.00% (+3.25%)
DC	130	1.00%	±0.00%	N/A
DE	136	1.80%	±0.00%	N/A
FL	3083	1.36%	−0.89%	TrustCo Bank 0.20% (−3.30%)
GA	984	0.50%	±0.00%	Century Bank and Trust 0.20% (−0.10%)
GU	6	2.90%	±0.00%	N/A
HI	214	2.90%	±0.00%	N/A
IA	414	1.13%	±0.00%	Bankers Trust Company 1.61% (−2.19%)
ID	340	1.83%	±0.00%	First Federal Savings Bank of Twin Falls 3.51% (−0.10%)
IL	1826	1.00%	−0.05%	HomeBank 0.01% (−1.15%)
IN	778	1.44%	−0.17%	Freedom Bank 1.66% (−1.89%)
KS	470	1.51%	±0.00%	Central National Bank 0.98% (+0.25%)
KY	506	0.88%	±0.00%	Independence Bank of Kentucky 3.51% (+0.06%)
LA	452	1.82%	±0.00%	N/A
MA	1271	2.25%	−0.25%	DIGITAL FEDERAL CREDIT UNION 0.03% (−3.72%)
MD	619	1.00%	±0.00%	Dollar Bank, Federal Savings Bank 0.10% (+0.07%)
ME	336	2.02%	+0.37%	MAINE HIGHLANDS FEDERAL CREDIT UNION 3.56% (+2.05%)
MI	1512	2.50%	±0.00%	Independent Bank 3.51% (+0.06%)
MN	612	2.52%	±0.00%	North Shore Bank of Commerce 0.02% (−1.98%)
MO	680	1.00%	±0.00%	Community Bank of Raymore 3.40% (+3.35%)
MP	2	1.51%	±0.00%	N/A
MS	323	0.45%	−0.05%	First National Bank of Clarksdale 0.01% (−0.49%)
MT	65	0.50%	±0.00%	N/A
NC	1381	1.00%	±0.00%	N/A
ND	121	1.57%	−0.88%	First State Bank & Trust 1.40% (−2.00%)
NE	330	1.00%	±0.00%	Bankers Trust Company 1.61% (−2.19%)
NH	237	2.53%	±0.00%	DIGITAL FEDERAL CREDIT UNION 0.03% (−3.72%)
NJ	1439	2.70%	−0.05%	TrustCo Bank 0.20% (−3.30%)
NM	212	1.01%	+0.01%	Lea County State Bank 3.50% (+2.50%)
NV	338	1.73%	±0.00%	N/A
NY	2246	2.35%	−0.10%	TrustCo Bank 0.20% (−3.30%)
OH	1564	0.65%	±0.00%	Third Federal Savings and Loan Association of Cleveland 3.75% (+0.60%)
OK	281	2.12%	±0.00%	N/A
OR	511	1.48%	±0.00%	N/A
PA	2083	1.25%	±0.00%	Dollar Bank, Federal Savings Bank 0.10% (+0.07%)
PR	3	1.92%	±0.00%	N/A
RI	181	1.35%	−0.16%	N/A
SC	710	0.98%	±0.00%	First Federal Bank 3.51% (−0.10%)
SD	110	3.08%	±0.00%	One American Bank 4.15% (+0.39%)
TN	893	1.14%	+0.02%	First National Bank of Eastern Arkansas 2.51% (+0.25%)
TX	2705	2.50%	±0.00%	SEA WEST COAST GUARD FEDERAL CREDIT UNION 3.10% (+0.52%)
UT	476	1.36%	±0.00%	Merrick Bank 3.95% (−0.05%)
VA	1257	1.00%	±0.00%	BAYPORT FEDERAL CREDIT UNION 1.05% (−0.31%)
VI	2	5.00%	±0.00%	N/A
VT	57	1.00%	−1.35%	TrustCo Bank 0.20% (−3.30%)
WA	908	2.50%	±0.00%	First Fed Bank 3.51% (−0.10%)
WI	967	0.50%	±0.00%	UNISON CREDIT UNION 0.01% (−1.00%)
WV	198	0.50%	±0.00%	The Ohio Valley Bank Company 0.01% (−0.49%)
WY	77	2.47%	±0.00%	Wyoming Community Bank 3.03% (−0.36%)

CDs by State — 6-Month

State	Branches	Median APY	WoW Δ	Top Mover
AK	65	2.38%	±0.00%	N/A
AL	709	3.45%	±0.00%	Regions Bank 3.50% (+0.25%)
AR	453	3.00%	±0.00%	Regions Bank 3.50% (+0.25%)
AZ	855	3.05%	−0.15%	UMB Bank, National Association 0.25% (−3.25%)
CA	4549	3.20%	−0.02%	DIGITAL FEDERAL CREDIT UNION 0.04% (−3.46%)
CO	745	3.17%	−0.03%	UMB Bank, National Association 0.25% (−3.25%)
CT	872	2.28%	+0.40%	Bankhometown 2.50% (+2.40%)
DC	152	2.89%	±0.00%	EagleBank 3.85% (+0.05%)
DE	177	3.00%	±0.00%	The Farmers Bank of Willards 3.32% (+0.01%)
FL	3162	3.44%	±0.00%	Synchrony Bank 4.00% (+0.50%)
GA	1120	2.95%	±0.00%	Regions Bank 3.50% (+0.25%)
GU	6	2.60%	±0.00%	N/A
HI	232	2.67%	±0.00%	HAWAIIUSA FEDERAL CREDIT UNION 3.50% (+0.25%)
IA	550	3.05%	−0.10%	Hills Bank and Trust Company 0.20% (−3.29%)
ID	377	3.02%	+0.26%	CAPITAL EDUCATORS FEDERAL CREDIT UNION 3.51% (+2.06%)
IL	1911	2.26%	−0.01%	Old Second National Bank 3.50% (+3.45%)
IN	878	2.82%	+0.07%	Centier Bank 3.40% (+2.39%)
KS	579	2.73%	−0.05%	UMB Bank, National Association 0.25% (−3.25%)
KY	608	2.79%	±0.00%	Regions Bank 3.50% (+0.25%)
LA	551	3.35%	+0.10%	Regions Bank 3.50% (+0.25%)
MA	1699	2.60%	−0.07%	DIGITAL FEDERAL CREDIT UNION 0.04% (−3.46%)
MD	858	2.77%	+0.24%	Ameriserv Financial Bank 3.75% (+1.23%)
ME	448	3.25%	+0.10%	MAINE HIGHLANDS FEDERAL CREDIT UNION 3.56% (+1.03%)
MI	1865	3.05%	±0.00%	HEALTH ADVANTAGE FEDERAL CREDIT UNION 3.50% (+3.46%)
MN	718	3.17%	+0.02%	ASSOCIATED HEALTHCARE CREDIT UNION 3.50% (+3.46%)
MO	838	2.79%	±0.00%	Community Bank of Raymore 3.48% (+3.43%)
MP	2	1.33%	±0.00%	N/A
MS	382	1.50%	±0.00%	First National Bank of Clarksdale 0.02% (−1.48%)
MT	86	3.22%	+0.04%	PARK SIDE FINANCIAL CREDIT UNION 3.55% (+0.10%)
NC	1792	2.25%	±0.00%	Regions Bank 3.50% (+0.25%)
ND	124	2.53%	−0.47%	First State Bank & Trust 1.50% (−1.70%)
NE	501	2.64%	−0.13%	UMB Bank, National Association 0.25% (−3.25%)
NH	360	3.00%	−0.25%	DIGITAL FEDERAL CREDIT UNION 0.04% (−3.46%)
NJ	1670	3.00%	±0.00%	Bogota Savings Bank 0.50% (−2.00%)
NM	246	2.77%	±0.00%	UMB Bank, National Association 0.25% (−3.25%)
NV	344	2.84%	±0.00%	N/A
NY	3332	3.25%	±0.00%	BankUnited, National Association 2.25% (+0.10%)
OH	1896	3.09%	+0.15%	The Union Bank Company 3.70% (+3.65%)
OK	413	3.29%	−0.05%	UMB Bank, National Association 0.25% (−3.25%)
OR	606	2.53%	+0.03%	Oregon Coast Bank 4.00% (+1.50%)
PA	2457	3.04%	+0.04%	Quaint Oak Bank 0.04% (−3.81%)
PR	3	3.42%	±0.00%	N/A
RI	214	2.50%	+0.25%	N/A
SC	762	1.76%	+0.01%	First Piedmont Federal Savings and Loan Association of Gaffney 1.77% (+1.75%)
SD	133	3.23%	−0.20%	ASPEN FEDERAL CREDIT UNION 0.04% (−3.86%)
TN	1077	3.43%	+0.18%	Regions Bank 3.50% (+0.25%)
TX	3017	3.40%	+0.02%	UMB Bank, National Association 0.25% (−3.25%)
UT	551	3.50%	±0.00%	UMB Bank, National Association 0.25% (−3.25%)
VA	1427	2.52%	±0.00%	BAYPORT FEDERAL CREDIT UNION 1.20% (−0.30%)
VI	2	5.00%	±0.00%	N/A
VT	187	2.68%	−0.24%	Union Bank 0.03% (−3.12%)
WA	1214	3.30%	±0.00%	First Fed Bank 3.61% (+0.16%)
WI	1219	2.01%	−0.16%	UMB Bank, National Association 0.25% (−3.25%)
WV	224	2.55%	±0.00%	The Ohio Valley Bank Company 0.01% (−0.74%)
WY	85	3.12%	−0.01%	Wyoming Community Bank 3.33% (+0.05%)

CDs by State — 9-Month

State	Branches	Median APY	WoW Δ	Top Mover
AK	19	1.02%	±0.00%	N/A
AL	348	0.35%	±0.00%	Regions Bank 0.03% (+0.02%)
AR	183	2.70%	±0.00%	First National Bank of Eastern Arkansas 4.09% (+0.25%)
AZ	474	2.25%	±0.00%	N/A
CA	2782	3.30%	−0.13%	DIGITAL FEDERAL CREDIT UNION 0.04% (−3.46%)
CO	506	2.65%	±0.00%	N/A
CT	463	2.55%	+0.55%	Bankhometown 2.55% (+2.40%)
DC	80	3.40%	±0.00%	EagleBank 4.00% (+0.05%)
DE	59	3.28%	±0.00%	N/A
FL	2001	3.27%	−0.02%	TrustCo Bank 0.40% (−3.20%)
GA	580	2.25%	+0.05%	BankUnited, National Association 2.30% (+0.10%)
GU	3	0.09%	±0.00%	N/A
HI	119	2.25%	±0.00%	HAWAIIAN FINANCIAL FEDERAL CREDIT UNION 4.00% (+0.30%)
IA	347	3.20%	±0.00%	Regions Bank 0.03% (+0.02%)
ID	224	3.05%	±0.00%	N/A
IL	1390	2.27%	±0.00%	CIBC Bank USA 4.00% (+0.10%)
IN	650	2.98%	±0.00%	FORT FINANCIAL FEDERAL CREDIT UNION 1.25% (−0.25%)
KS	246	2.70%	±0.00%	N/A
KY	306	2.79%	±0.00%	Regions Bank 0.03% (+0.02%)
LA	440	3.00%	±0.00%	Anthem Bank & Trust 3.60% (+0.15%)
MA	981	3.25%	±0.00%	DIGITAL FEDERAL CREDIT UNION 0.04% (−3.46%)
MD	418	3.35%	±0.00%	Orrstown Bank 3.09% (+0.31%)
ME	253	3.23%	±0.00%	N/A
MI	1251	2.92%	+0.17%	LAKE MICHIGAN CREDIT UNION 3.90% (−0.15%)
MN	331	3.25%	±0.00%	North Shore Bank of Commerce 0.03% (−3.12%)
MO	480	2.13%	±0.00%	CIBC Bank USA 4.00% (+0.10%)
MP	1	0.09%	±0.00%	N/A
MS	209	0.25%	−0.25%	First National Bank of Clarksdale 0.02% (−1.48%)
MT	34	2.34%	±0.00%	N/A
NC	939	1.98%	±0.00%	REV FEDERAL CREDIT UNION 4.00% (+0.50%)
ND	41	2.01%	±0.00%	N/A
NE	246	2.00%	±0.00%	N/A
NH	169	3.20%	−0.02%	DIGITAL FEDERAL CREDIT UNION 0.04% (−3.46%)
NJ	859	3.17%	−0.05%	TrustCo Bank 0.40% (−3.20%)
NM	123	1.98%	±0.00%	N/A
NV	199	3.17%	±0.00%	N/A
NY	1904	3.29%	−0.01%	TrustCo Bank 0.40% (−3.20%)
OH	1545	2.79%	±0.00%	The Andover Bank 1.00% (−1.00%)
OK	121	2.70%	±0.00%	N/A
OR	499	3.00%	±0.00%	N/A
PA	1569	3.25%	±0.00%	The Andover Bank 1.00% (−1.00%)
PR	2	2.00%	±0.00%	N/A
RI	97	2.00%	+0.50%	N/A
SC	476	1.50%	±0.00%	REV FEDERAL CREDIT UNION 4.00% (+0.50%)
SD	45	1.25%	−1.24%	ASPEN FEDERAL CREDIT UNION 0.04% (−3.81%)
TN	678	1.63%	−0.63%	First National Bank of Eastern Arkansas 4.09% (+0.25%)
TX	1307	3.13%	+0.08%	Anthem Bank & Trust 3.60% (+0.15%)
UT	313	3.44%	±0.00%	Synchrony Bank 3.80% (+0.10%)
VA	701	3.10%	±0.00%	The Freedom Bank of Virginia 4.25% (+0.90%)
VI	2	4.50%	±0.00%	N/A
VT	70	0.75%	−2.65%	TrustCo Bank 0.40% (−3.20%)
WA	753	3.25%	±0.00%	N/A
WI	726	2.53%	±0.00%	BLC Community Bank 3.10% (−0.50%)
WV	128	2.67%	±0.00%	N/A
WY	35	1.33%	±0.00%	N/A

CDs by State — 12-Month

State	Branches	Median APY	WoW Δ	Top Mover
AK	66	3.15%	±0.00%	N/A
AL	706	3.40%	±0.00%	MAX CREDIT UNION 2.50% (−0.03%)
AR	360	2.00%	±0.00%	First National Bank of Eastern Arkansas 4.04% (+0.75%)
AZ	818	3.22%	±0.00%	UMB Bank, National Association 0.90% (−2.85%)
CA	4595	3.29%	±0.00%	DIGITAL FEDERAL CREDIT UNION 0.03% (−3.22%)
CO	756	3.20%	−0.09%	UMB Bank, National Association 0.90% (−2.85%)
CT	837	2.60%	+0.33%	Bankhometown 2.60% (+2.40%)
DC	159	3.00%	±0.00%	First National Bank of Pennsylvania 1.00% (+0.95%)
DE	161	3.00%	±0.00%	The Farmers Bank of Willards 3.44% (+0.04%)
FL	3272	3.27%	−0.05%	Florida Capital Bank, National Association 0.35% (−3.00%)
GA	1071	3.28%	±0.00%	BankUnited, National Association 2.35% (+0.10%)
GU	6	2.90%	±0.00%	N/A
HI	243	2.80%	−0.10%	HAWAII LAW ENFORCEMENT FEDERAL CREDIT UNION 2.25% (−1.10%)
IA	550	2.77%	−0.36%	BANK 0.75% (−3.04%)
ID	377	3.33%	+0.20%	CAPITAL EDUCATORS FEDERAL CREDIT UNION 3.40% (+1.70%)
IL	1910	2.25%	−0.03%	UMB Bank, National Association 0.90% (−2.85%)
IN	992	3.00%	±0.00%	L & N FEDERAL CREDIT UNION 3.25% (+3.00%)
KS	572	2.76%	−0.27%	UMB Bank, National Association 0.90% (−2.85%)
KY	596	3.04%	+0.15%	L & N FEDERAL CREDIT UNION 3.25% (+3.00%)
LA	556	3.30%	±0.00%	Anthem Bank & Trust 3.80% (+0.20%)
MA	1513	2.60%	−0.15%	DIGITAL FEDERAL CREDIT UNION 0.03% (−3.22%)
MD	877	3.00%	±0.00%	First National Bank of Pennsylvania 1.00% (+0.95%)
ME	455	3.04%	+0.04%	Eagle Bank 3.25% (+2.95%)
MI	1856	3.20%	−0.05%	HEALTH ADVANTAGE FEDERAL CREDIT UNION 3.55% (+3.51%)
MN	724	3.25%	±0.00%	ASSOCIATED HEALTHCARE CREDIT UNION 3.50% (+3.46%)
MO	772	2.96%	−0.07%	Community Bank of Raymore 3.54% (+3.49%)
MP	2	1.50%	±0.00%	N/A
MS	382	2.00%	±0.00%	First National Bank of Clarksdale 0.02% (−1.48%)
MT	85	2.94%	−0.31%	Flanagan State Bank 2.37% (−1.28%)
NC	1767	2.72%	+0.24%	Piedmont Federal Savings Bank 3.00% (+1.99%)
ND	139	3.00%	±0.00%	Dakota Community Bank & Trust, National Association 3.73% (−0.37%)
NE	492	2.77%	−0.19%	UMB Bank, National Association 0.90% (−2.85%)
NH	321	2.53%	−0.52%	Union Bank 0.03% (−3.32%)
NJ	1563	3.17%	+0.05%	Crest Savings Bank 3.10% (+2.80%)
NM	252	3.00%	±0.00%	UMB Bank, National Association 0.90% (−2.85%)
NV	348	2.46%	±0.00%	Farm Bureau Bank FSB 3.50% (+0.15%)
NY	3109	3.25%	+0.08%	TrustCo Bank 1.15% (−2.50%)
OH	1900	3.33%	−0.05%	The Union Bank Company 3.70% (+3.63%)
OK	396	2.99%	±0.00%	The Community State Bank 4.16% (+3.16%)
OR	612	2.95%	±0.00%	N/A
PA	2257	3.00%	−0.14%	Quaint Oak Bank 0.04% (−3.86%)
PR	3	1.97%	±0.00%	N/A
RI	161	2.00%	−0.38%	N/A
SC	735	2.00%	±0.00%	REV FEDERAL CREDIT UNION 4.00% (+1.00%)
SD	127	3.37%	+0.08%	ASPEN FEDERAL CREDIT UNION 0.04% (−3.71%)
TN	1020	3.01%	±0.00%	First National Bank of Eastern Arkansas 4.04% (+0.75%)
TX	3110	3.31%	−0.02%	UMB Bank, National Association 0.90% (−2.85%)
UT	562	3.65%	−0.05%	UMB Bank, National Association 0.90% (−2.85%)
VA	1470	3.00%	±0.00%	First National Bank of Pennsylvania 1.00% (+0.95%)
VI	2	4.50%	±0.00%	N/A
VT	172	2.51%	−0.59%	Union Bank 0.03% (−3.32%)
WA	1227	3.25%	±0.00%	First Fed Bank 3.61% (+0.21%)
WI	1215	2.50%	−0.02%	UMB Bank, National Association 0.90% (−2.85%)
WV	231	2.25%	±0.00%	The Ohio Valley Bank Company 0.01% (−1.00%)
WY	82	3.06%	−0.02%	Wyoming Community Bank 3.40% (+0.15%)

Methodology & disclaimer

This report was automatically generated from www.depositmonitor.com data. CD APYs reflect the latest observed rate per bank within a 30-day lookback window ending July 26, 2026. Treasury yields are sourced from the US Department of the Treasury daily par yield curve.

Disclaimer: The information presented is for informational and competitive- intelligence purposes only and does not constitute financial, investment, tax, or legal advice. Deposit rates change frequently and may differ from those shown depending on deposit size, term, region, eligibility, and other conditions set by each institution. While we make best efforts to ensure accuracy, Deposit Monitor makes no warranty, express or implied, regarding the completeness or timeliness of this data. Verify current rates directly with each institution before making any deposit decision.

Week ending July 26, 2026

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