Weekly CD Rate Report

Week ending August 2, 2026

Comparison week ending July 26, 2026

Key stats

All US banks · week-over-week
3-month CD
1.96%
median APY
−0.04% WoW
Matching Treasury
3.83%−13 bps
6-month CD
3.18%
median APY
−0.05% WoW
Matching Treasury
3.98%−10 bps
9-month CD
3.35%
median APY
−0.02% WoW
Matching Treasury
4.03%−8 bps
12-month CD
3.25%
median APY
±0.00% WoW
Matching Treasury
4.08%−6 bps
At a glance

Executive Summary

  • CD rates leaned lower, with the 3-month lower, the 6-month lower, the 9-month lower, and the 12-month flat against a mixed Treasury backdrop.
  • The 3-month median APY fell 4 bps to 1.96% this week. The $5B – $10B tier rose 22 bps and the ≥ $100B tier fell 22 bps. The matching 3-month Treasury yield fell 13 bps to 3.83% over the same week. Largest single-bank move: Mid-America Bank cut 376 bps.
  • The 6-month median APY fell 5 bps to 3.18% this week. The $10B – $50B tier rose 12 bps and the $50B – $100B tier fell 36 bps. The matching 6-month Treasury yield fell 10 bps to 3.98% over the same week. Largest single-bank move: The First State Bank of Rosemount cut 400 bps.
  • The 9-month median APY fell 2 bps to 3.35% this week. The ≥ $100B tier rose 45 bps and the $50B – $100B tier fell 56 bps. The matching 9-month Treasury yield fell 8 bps to 4.03% over the same week. Unusual: one moved materially while the other was essentially flat. Largest single-bank move: North Shore Bank of Commerce raised 422 bps.
  • The 12-month median APY held flat at 3.25% this week. The ≥ $100B tier rose 25 bps and the $50B – $100B tier fell 21 bps. The matching 12-month Treasury yield fell 6 bps to 4.08% over the same week. Unusual: one moved materially while the other was essentially flat. Largest single-bank move: The Bank of Herrin cut 406 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
$15.87T
1.88%
−0.04%
1.96%
−0.04%
0.01%
5.02%
R Bank · $100K min
0.04% (−3.76%)
≥ $100B
$12.00T
1.10%
−0.24%
0.15%
−0.22%
0.01%
Regions Bank · $500 min
3.91%
3.91% (−0.10%)
$50B – $100B
$961.8B
1.49%
+0.07%
2.00%
±0.00%
0.01%
3.55%
N/A
$10B – $50B
$1.22T
2.56%
+0.19%
3.00%
±0.00%
0.02%
4.10%
Popular Bank · $1M min
3.25% (+3.22%)
$5B – $10B
$438.1B
2.22%
+0.03%
2.75%
+0.22%
0.02%
5.00%
3.50% (+3.30%)
< $5B
$1.26T
1.85%
−0.05%
1.75%
−0.21%
0.01%
5.02%
R Bank · $100K min
0.04% (−3.76%)

Median 3-month APY fell 4 bps to 1.96%. The $5B – $10B tier rose 22 bps and the ≥ $100B tier fell 22 bps. The matching 3-month Treasury yield fell 13 bps to 3.83% over the same week.

6-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$15.87T
2.59%
−0.06%
3.18%
−0.05%
0.01%
5.07%
R Bank · $100K min
0.04% (−4.00%)
≥ $100B
$12.00T
1.94%
+0.00%
2.25%
±0.00%
0.01%
4.05%
3.80% (+3.75%)
$50B – $100B
$961.8B
2.25%
−0.17%
2.84%
−0.36%
0.01%
4.00%
Synchrony Bank · No min
N/A
$10B – $50B
$1.22T
2.87%
+0.18%
3.20%
+0.12%
0.05%
4.27%
3.50% (+3.46%)
$5B – $10B
$438.1B
2.67%
−0.13%
3.43%
−0.01%
0.03%
5.00%
0.05% (−3.45%)
< $5B
$1.26T
2.59%
−0.06%
3.17%
−0.07%
0.01%
5.07%
R Bank · $100K min
0.04% (−4.00%)

Median 6-month APY fell 5 bps to 3.18%. The $10B – $50B tier rose 12 bps and the $50B – $100B tier fell 36 bps. The matching 6-month Treasury yield fell 10 bps to 3.98% over the same week.

9-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$15.87T
2.76%
−0.05%
3.35%
−0.02%
0.01%
Regions Bank · $500 min
5.30%
4.25% (+4.22%)
≥ $100B
$12.00T
1.75%
+0.07%
1.45%
+0.45%
0.01%
Regions Bank · $500 min
4.10%
3.75% (+0.55%)
$50B – $100B
$961.8B
2.12%
−0.25%
2.17%
−0.56%
0.01%
4.00%
CIBC Bank USA · $1K min
N/A
$10B – $50B
$1.22T
2.99%
+0.10%
3.38%
±0.00%
0.02%
4.27%
3.50% (+3.46%)
$5B – $10B
$438.1B
2.84%
−0.05%
3.30%
±0.00%
0.03%
4.50%
0.04% (−3.73%)
< $5B
$1.26T
2.79%
−0.05%
3.35%
−0.05%
0.01%
5.30%
4.25% (+4.22%)

Median 9-month APY fell 2 bps to 3.35%. The ≥ $100B tier rose 45 bps and the $50B – $100B tier fell 56 bps. The matching 9-month Treasury yield fell 8 bps to 4.03% over the same week.

12-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$15.87T
2.70%
−0.06%
3.25%
±0.00%
0.01%
5.38%
0.04% (−4.06%)
≥ $100B
$12.00T
2.02%
+0.02%
2.00%
+0.25%
0.01%
Regions Bank · $500 min
4.40%
3.25% (+3.20%)
$50B – $100B
$961.8B
2.12%
−0.11%
2.47%
−0.21%
0.01%
4.15%
CIBC Bank USA · $1K min
N/A
$10B – $50B
$1.22T
2.85%
+0.10%
3.00%
±0.00%
0.05%
4.50%
3.25% (+3.22%)
$5B – $10B
$438.1B
2.77%
−0.01%
3.30%
+0.05%
0.03%
4.50%
0.03% (−2.91%)
< $5B
$1.26T
2.71%
−0.07%
3.25%
±0.00%
0.01%
5.38%
0.04% (−4.06%)

Median 12-month APY held flat at 3.25%. The ≥ $100B tier rose 25 bps and the $50B – $100B tier fell 21 bps. The matching 12-month Treasury yield fell 6 bps to 4.08% 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

  • KY · 9-month: 1.20% (−1.59%)
  • MP · 6-month: 2.80% (+1.47%)
  • VT · 9-month: 2.20% (+1.45%)
  • MP · 3-month: 2.95% (+1.44%)
  • MP · 12-month: 2.90% (+1.40%)

CDs by State — 3-Month

StateBranchesMedian APYWoW ΔTop Mover
AK511.75%−0.15%
0.85% (−2.45%)
AL6602.00%−0.24%N/A
AR2260.50%±0.00%
2.10% (−0.90%)
AZ8181.05%−0.56%
0.03% (−2.97%)
CA44332.67%−0.08%
3.25% (+3.22%)
CO7752.50%+0.10%
3.25% (+3.22%)
CT6500.65%−0.17%
0.75% (−3.25%)
DC1481.00%±0.00%N/A
DE1531.00%−0.80%N/A
FL32801.36%±0.00%
3.50% (+3.30%)
GA10490.55%+0.05%
3.25% (+3.22%)
GU73.00%+0.10%
3.00% (+2.87%)
HI2133.00%+0.10%
3.00% (+2.87%)
IA4471.01%−0.24%
0.03% (−2.99%)
ID3421.50%±0.00%
3.25% (+3.22%)
IL19691.02%+0.02%
1.16% (+1.15%)
IN8690.80%−0.64%
0.03% (−2.97%)
KS4731.02%−0.49%
0.04% (−3.76%)
KY5470.50%−0.38%
0.01% (−0.69%)
LA4491.82%±0.00%N/A
MA10922.51%+0.26%
0.20% (−3.55%)
MD7311.00%±0.00%N/A
ME3361.65%−0.37%
0.02% (−2.10%)
MI15712.17%−0.33%
0.03% (−2.97%)
MN6142.51%−0.13%
0.04% (−3.47%)
MO7121.00%−0.01%
0.04% (−3.66%)
MP22.95%+1.44%
3.00% (+2.87%)
MS3220.50%+0.05%
0.50% (+0.49%)
MT650.50%±0.00%N/A
NC14680.85%−0.15%
0.04% (−3.46%)
ND1221.50%−0.15%
0.03% (−2.99%)
NE3281.00%±0.00%
3.80% (+2.19%)
NH1992.27%−0.25%
0.20% (−3.55%)
NJ14871.50%−1.10%
0.05% (−3.70%)
NM2270.50%−1.09%
1.00% (−2.50%)
NV3532.17%+0.44%
3.70% (+0.15%)
NY20462.19%−0.07%
3.50% (+3.30%)
OH17140.60%−0.05%
0.50% (+0.49%)
OK2802.12%−0.10%N/A
OR5220.85%±0.00%
3.25% (+3.22%)
PA21281.00%−0.25%
0.02% (−2.15%)
PR31.92%±0.00%N/A
RI1261.18%−0.18%
3.60% (+0.51%)
SC7140.98%±0.00%
1.25% (+0.35%)
SD1123.13%±0.00%
0.03% (−2.99%)
TN8931.14%±0.00%
2.26% (−0.25%)
TX30312.22%−0.28%
3.25% (+3.22%)
UT4791.36%−0.41%N/A
VA12561.00%±0.00%
1.36% (+0.31%)
VI25.00%±0.00%N/A
VT471.68%+0.68%
3.50% (+3.30%)
WA9132.50%±0.00%
3.25% (+3.22%)
WI9900.50%±0.00%
2.21% (+1.01%)
WV1990.50%±0.00%
0.50% (+0.49%)
WY762.47%±0.00%N/A

CDs by State — 6-Month

StateBranchesMedian APYWoW ΔTop Mover
AK652.38%±0.00%N/A
AL8063.25%−0.20%
0.04% (−3.78%)
AR4533.02%+0.02%
3.80% (+3.75%)
AZ9362.90%−0.15%
3.80% (+3.75%)
CA46033.20%±0.00%
3.80% (+3.75%)
CO8743.19%+0.02%
3.80% (+3.75%)
CT8422.14%−0.14%
3.02% (+0.49%)
DC1702.84%−0.05%
3.60% (+0.10%)
DE1943.00%±0.00%
3.44% (+0.12%)
FL33583.48%+0.03%
3.80% (+3.75%)
GA11882.95%+0.11%
3.80% (+3.75%)
GU73.00%+0.40%
3.00% (+2.94%)
HI2312.42%−0.25%
0.04% (−3.52%)
IA5823.00%−0.10%
3.80% (+3.75%)
ID3793.05%+0.05%
3.80% (+3.75%)
IL20502.17%−0.10%
0.04% (−3.96%)
IN9732.77%−0.05%
3.80% (+3.75%)
KS5812.65%−0.10%
3.80% (+3.75%)
KY6722.75%−0.04%
3.80% (+3.75%)
LA5473.30%−0.05%
3.25% (−0.25%)
MA15172.67%+0.07%
3.50% (+3.46%)
MD9672.49%−0.04%
3.44% (+0.12%)
ME4493.25%±0.00%
0.02% (−2.41%)
MI19233.09%+0.04%
0.04% (−3.46%)
MN7203.08%−0.13%
0.04% (−4.00%)
MO8702.52%−0.28%
3.80% (+3.75%)
MP22.80%+1.47%
3.00% (+2.94%)
MS3811.50%±0.00%
1.50% (+1.48%)
MT863.60%+0.38%
3.80% (+3.75%)
NC18782.25%±0.00%
3.80% (+3.75%)
ND1252.76%±0.00%
3.80% (+3.75%)
NE4982.76%+0.01%
3.80% (+3.75%)
NH3233.13%+0.13%
3.50% (+3.46%)
NJ17342.88%−0.13%
0.05% (−3.70%)
NM2612.77%−0.14%
3.80% (+3.75%)
NV3592.92%+0.08%
3.80% (+3.75%)
NY31463.00%−0.25%
0.04% (−3.76%)
OH20452.94%−0.15%
3.80% (+3.75%)
OK4113.29%−0.04%N/A
OR6202.75%+0.36%
3.80% (+3.75%)
PA25123.00%−0.04%
3.85% (+3.81%)
PR33.42%±0.00%N/A
RI1602.25%−0.25%
3.53% (+0.51%)
SC7671.86%+0.10%
3.25% (+1.75%)
SD1353.36%+0.10%
3.90% (+3.86%)
TN10773.43%±0.00%
3.80% (+3.75%)
TX33413.37%−0.03%
0.04% (−3.76%)
UT5553.55%+0.02%
3.80% (+3.75%)
VA14242.50%−0.02%
0.40% (−3.40%)
VI25.00%±0.00%N/A
VT1772.84%+0.16%
3.02% (+0.49%)
WA12193.38%+0.13%
3.80% (+3.75%)
WI12322.00%−0.00%
3.80% (+3.75%)
WV2252.25%−0.30%
0.30% (−3.70%)
WY843.14%+0.02%
3.80% (+3.75%)

CDs by State — 9-Month

StateBranchesMedian APYWoW ΔTop Mover
AK191.02%±0.00%N/A
AL4450.42%+0.08%
0.01% (−0.02%)
AR1832.70%±0.00%
3.84% (−0.25%)
AZ5472.08%−0.54%
0.04% (−3.46%)
CA28463.30%−0.05%
3.50% (+3.46%)
CO6332.25%±0.00%
3.50% (+3.46%)
CT4142.00%−0.55%
0.05% (−3.20%)
DC993.30%−0.10%
3.75% (+0.55%)
DE933.35%+0.07%
3.75% (+0.55%)
FL22043.30%+0.02%
3.60% (+3.20%)
GA6462.25%+0.63%
3.50% (+3.46%)
GU30.14%+0.05%
0.14% (+0.05%)
HI1182.25%±0.00%
0.14% (+0.05%)
IA3332.43%−0.93%
0.20% (−3.80%)
ID2253.02%±0.00%
0.04% (−3.73%)
IL15252.00%−0.27%
0.01% (−0.74%)
IN7462.79%−0.19%
0.04% (−3.46%)
KS2502.48%−0.40%N/A
KY3741.20%−1.59%
0.03% (−2.76%)
LA4373.12%+0.13%
3.75% (+0.55%)
MA9843.25%±0.00%
0.04% (−4.01%)
MD5363.35%±0.00%
3.75% (+0.55%)
ME2543.23%±0.00%
0.02% (−2.41%)
MI13752.68%−0.24%
0.04% (−3.46%)
MN3323.50%+0.10%
4.25% (+4.22%)
MO5092.02%−0.23%
0.03% (−2.76%)
MP10.14%+0.05%
0.14% (+0.05%)
MS2080.50%+0.25%
1.50% (+1.48%)
MT342.34%±0.00%N/A
NC10262.08%+0.10%
3.25% (−0.25%)
ND412.01%±0.00%N/A
NE2442.00%−0.10%
3.65% (+0.10%)
NH1703.25%+0.05%
3.50% (+3.46%)
NJ10503.00%−0.15%
0.05% (−3.70%)
NM1351.90%−0.27%N/A
NV2003.05%−0.12%
0.20% (−3.09%)
NY19073.29%+0.02%
3.60% (+3.20%)
OH17632.50%−0.29%
0.05% (−2.99%)
OK1212.70%−0.40%N/A
OR5112.63%±0.00%
0.04% (−3.73%)
PA18273.09%−0.16%
0.04% (−3.66%)
PR22.00%±0.00%N/A
RI962.00%±0.00%
4.00% (+0.50%)
SC4411.45%−0.05%
3.25% (−0.25%)
SD452.49%+1.24%
3.85% (+3.81%)
TN6832.08%+0.45%
3.84% (−0.25%)
TX16323.22%+0.09%
3.50% (+3.46%)
UT3153.44%−0.09%
4.10% (+0.10%)
VA7103.10%±0.00%
3.35% (−0.90%)
VI24.50%±0.00%N/A
VT702.20%+1.45%
3.60% (+3.20%)
WA7563.05%±0.00%
0.04% (−3.73%)
WI7492.25%−0.28%
3.50% (+0.30%)
WV1292.25%−0.42%
3.25% (−0.25%)
WY351.33%±0.00%N/A

CDs by State — 12-Month

StateBranchesMedian APYWoW ΔTop Mover
AK663.15%±0.00%
4.05% (−0.25%)
AL8033.30%−0.10%
0.03% (−3.27%)
AR3602.55%+0.55%
3.25% (+3.20%)
AZ8983.04%−0.18%
0.04% (−3.96%)
CA46553.25%−0.04%
3.25% (+3.22%)
CO8853.23%+0.02%
3.25% (+3.22%)
CT8372.00%−0.60%
0.05% (−3.10%)
DC1783.00%−0.00%
3.00% (−0.70%)
DE1952.88%−0.13%
3.00% (−0.70%)
FL34763.30%+0.02%
3.25% (+3.20%)
GA11373.25%+0.23%
3.25% (+3.22%)
GU72.90%±0.00%
2.90% (+2.80%)
HI2422.80%±0.00%
0.03% (−3.27%)
IA5822.60%−0.34%
0.03% (−3.26%)
ID3793.25%±0.00%
3.25% (+3.22%)
IL20522.26%±0.00%
0.04% (−4.06%)
IN10863.00%−0.02%
0.04% (−3.96%)
KS5742.75%−0.13%
0.04% (−4.00%)
KY6612.95%−0.09%
3.25% (+3.20%)
LA5523.30%±0.00%
3.75% (−0.25%)
MA15172.75%+0.15%
3.25% (+3.22%)
MD9922.82%−0.02%
3.00% (−0.70%)
ME4563.02%−0.02%
0.25% (−2.79%)
MI19793.25%+0.05%
0.04% (−3.96%)
MN7263.09%−0.16%
0.04% (−3.96%)
MO8042.76%−0.27%
0.04% (−3.66%)
MP22.90%+1.40%
2.90% (+2.80%)
MS3812.00%±0.00%
1.50% (+1.48%)
MT853.25%+0.31%
3.25% (+3.20%)
NC18542.72%±0.00%
3.25% (+3.20%)
ND1403.02%±0.00%
0.03% (−3.26%)
NE4892.97%+0.17%
3.25% (+3.20%)
NH3242.60%+0.07%
3.25% (+3.22%)
NJ17343.00%−0.17%
0.05% (−3.70%)
NM2642.95%−0.17%
3.25% (+3.20%)
NV3632.75%+0.29%
3.25% (+3.20%)
NY30933.00%−0.26%
0.04% (−3.71%)
OH21203.25%−0.08%
0.30% (−3.70%)
OK3942.85%−0.15%
1.00% (−3.16%)
OR6263.02%+0.07%
3.25% (+3.22%)
PA25163.00%±0.00%
0.04% (−3.93%)
PR31.97%±0.00%N/A
RI1602.00%±0.00%
3.30% (+0.51%)
SC7402.00%±0.00%
2.57% (+0.26%)
SD1293.49%+0.04%
3.75% (+3.71%)
TN10223.10%+0.09%
3.25% (+3.20%)
TX34343.30%−0.01%
0.03% (−3.47%)
UT5663.65%−0.02%
3.25% (+3.20%)
VA14703.00%±0.00%
3.00% (−0.70%)
VI24.50%±0.00%N/A
VT1722.76%+0.25%
4.00% (+2.85%)
WA12323.25%±0.00%
3.25% (+3.22%)
WI12282.50%±0.00%
3.25% (+3.20%)
WV2322.00%−0.25%
0.30% (−3.70%)
WY813.17%+0.10%
3.25% (+3.20%)

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