Weekly CD Rate Report

Week ending August 16, 2026

Comparison week ending August 9, 2026

Key stats

All US banks · week-over-week
3-month CD
2.00%
median APY
+0.10% WoW
Matching Treasury
3.86%−1 bps
6-month CD
3.20%
median APY
+0.05% WoW
Matching Treasury
3.95%−1 bps
9-month CD
3.35%
median APY
+0.04% WoW
Matching Treasury
3.96%−2 bps
12-month CD
3.25%
median APY
±0.00% WoW
Matching Treasury
3.98%−3 bps
At a glance

Executive Summary

  • CD rates leaned higher, with the 3-month higher, the 6-month higher, the 9-month higher, and the 12-month flat against a mixed Treasury backdrop.
  • The 3-month median APY rose 10 bps to 2.00% this week. The $5B – $10B tier rose 22 bps; no tier posted a decline. The matching 3-month Treasury yield fell 1 bps to 3.86% over the same week. Unusual: one moved materially while the other was essentially flat. Largest single-bank move: NORTHERN HILLS FEDERAL CREDIT UNION raised 386 bps.
  • The 6-month median APY rose 5 bps to 3.20% this week. The $10B – $50B tier rose 7 bps; no tier posted a decline. The matching 6-month Treasury yield fell 1 bps to 3.95% over the same week. Unusual: one moved materially while the other was essentially flat. Largest single-bank move: The First State Bank of Rosemount cut 400 bps.
  • The 9-month median APY rose 4 bps to 3.35% this week. The ≥ $100B tier rose 25 bps; no tier posted a decline. The matching 9-month Treasury yield fell 2 bps to 3.96% over the same week. Largest single-bank move: Institution for Savings in Newburyport and Its Vicinity raised 406 bps.
  • The 12-month median APY held flat at 3.25% this week. The $50B – $100B tier fell 30 bps; no tier posted an increase. The matching 12-month Treasury yield fell 3 bps to 3.98% over the same week. Largest single-bank move: SUNWEST FEDERAL CREDIT UNION raised 398 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
$15.88T
1.90%
+0.03%
2.00%
+0.10%
0.01%
5.02%
R Bank · $100K min
3.90% (+3.86%)
≥ $100B
$12.00T
0.93%
−0.00%
0.06%
±0.00%
0.01%
Regions Bank · $500 min
3.91%
3.91% (−0.05%)
$50B – $100B
$961.8B
1.66%
+0.17%
2.00%
±0.00%
0.01%
3.90%
COMERICA BANK · $3K min
3.90% (+1.90%)
$10B – $50B
$1.23T
2.38%
−0.01%
3.00%
±0.00%
0.02%
4.01%
3.50% (+0.75%)
$5B – $10B
$441.3B
2.28%
+0.21%
2.75%
+0.22%
0.03%
4.00%
Poppy Bank · $1K min
3.50% (+3.30%)
< $5B
$1.24T
1.87%
+0.02%
1.83%
+0.08%
0.01%
5.02%
R Bank · $100K min
3.90% (+3.86%)

Median 3-month APY rose 10 bps to 2.00%. The $5B – $10B tier rose 22 bps; no tier posted a decline. The matching 3-month Treasury yield fell 1 bps to 3.86% over the same week.

6-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$15.88T
2.62%
+0.04%
3.20%
+0.05%
0.01%
5.07%
R Bank · $100K min
0.04% (−4.00%)
≥ $100B
$12.00T
1.80%
±0.00%
1.26%
±0.00%
0.01%
4.05%
N/A
$50B – $100B
$961.8B
2.26%
+0.01%
2.84%
±0.00%
0.01%
4.10%
Synchrony Bank · No min
4.10% (+0.10%)
$10B – $50B
$1.23T
2.76%
+0.04%
3.15%
+0.07%
0.05%
4.27%
4.00% (+1.00%)
$5B – $10B
$441.3B
2.87%
+0.26%
3.45%
+0.01%
0.06%
4.10%
3.50% (+3.45%)
< $5B
$1.24T
2.62%
+0.03%
3.20%
+0.05%
0.01%
5.07%
R Bank · $100K min
0.04% (−4.00%)

Median 6-month APY rose 5 bps to 3.20%. The $10B – $50B tier rose 7 bps; no tier posted a decline. The matching 6-month Treasury yield fell 1 bps to 3.95% over the same week.

9-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$15.88T
2.78%
+0.03%
3.35%
+0.04%
0.01%
Lisle Savings Bank · $250 min
5.30%
4.10% (+4.06%)
≥ $100B
$12.00T
1.64%
+0.09%
1.00%
+0.25%
0.01%
Regions Bank · $500 min
4.10%
N/A
$50B – $100B
$961.8B
2.30%
+0.01%
2.73%
±0.00%
0.01%
4.00%
CIBC Bank USA · $1K min
3.90% (+0.10%)
$10B – $50B
$1.23T
2.85%
−0.00%
3.30%
+0.02%
0.02%
4.40%
4.00% (+1.00%)
$5B – $10B
$441.3B
3.04%
+0.23%
3.50%
+0.13%
0.05%
4.05%
Merrick Bank · $25K min
3.77% (+3.73%)
< $5B
$1.24T
2.81%
+0.01%
3.40%
+0.00%
0.01%
Lisle Savings Bank · $250 min
5.30%
4.10% (+4.06%)

Median 9-month APY rose 4 bps to 3.35%. The ≥ $100B tier rose 25 bps; no tier posted a decline. The matching 9-month Treasury yield fell 2 bps to 3.96% over the same week.

12-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$15.88T
2.73%
+0.02%
3.25%
±0.00%
0.01%
5.38%
4.02% (+3.98%)
≥ $100B
$12.00T
1.74%
−0.13%
1.26%
−0.25%
0.01%
Regions Bank · $500 min
4.40%
0.03% (−3.22%)
$50B – $100B
$961.8B
2.21%
−0.08%
2.33%
−0.30%
0.01%
4.15%
CIBC Bank USA · $1K min
2.00% (−1.20%)
$10B – $50B
$1.23T
2.78%
+0.03%
3.00%
±0.00%
0.05%
4.52%
2.80% (+2.77%)
$5B – $10B
$441.3B
2.83%
+0.11%
3.30%
±0.00%
0.10%
4.30%
CFG Bank · $500 min
2.94% (+2.91%)
< $5B
$1.24T
2.75%
+0.01%
3.25%
±0.00%
0.01%
5.38%
4.02% (+3.98%)

Median 12-month APY held flat at 3.25%. The $50B – $100B tier fell 30 bps; no tier posted an increase. The matching 12-month Treasury yield fell 3 bps to 3.98% 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

  • OR · 3-month: 2.10% (+1.60%)
  • ND · 3-month: 3.02% (+1.37%)
  • AK · 6-month: 2.38% (+1.34%)
  • VT · 3-month: 1.68% (+1.30%)
  • SD · 3-month: 3.08% (+1.07%)

CDs by State — 3-Month

StateBranchesMedian APYWoW ΔTop Mover
AK511.90%+0.15%
3.30% (+2.45%)
AL6261.27%+0.75%
2.50% (+2.47%)
AR2260.50%±0.00%N/A
AZ8181.52%±0.00%N/A
CA43542.74%+0.15%
0.60% (+0.50%)
CO7962.29%±0.00%
3.10% (−0.25%)
CT6440.70%+0.05%N/A
DC1481.00%±0.00%N/A
DE1531.00%±0.00%N/A
FL32651.11%+0.11%
3.50% (+3.30%)
GA10490.55%±0.00%N/A
GU72.90%±0.00%N/A
HI2132.90%±0.00%
2.75% (+2.72%)
IA4501.13%±0.00%N/A
ID3422.17%+0.67%
2.43% (+2.41%)
IL19761.00%±0.00%
1.00% (+0.99%)
IN8550.80%±0.00%
1.21% (+0.21%)
KS4931.05%±0.00%
3.00% (+2.97%)
KY5470.50%±0.00%N/A
LA4421.00%−0.75%
0.03% (−3.00%)
MA11002.02%+0.07%
3.50% (+3.30%)
MD7311.00%±0.00%
0.10% (+0.07%)
ME3362.02%+0.37%
2.25% (+2.23%)
MI15712.27%±0.00%
3.00% (−0.90%)
MN6142.52%±0.00%N/A
MO7221.00%−0.00%
0.04% (−3.71%)
MP21.50%±0.00%N/A
MS3220.50%±0.00%
1.28% (−0.90%)
MT650.50%±0.00%N/A
NC14681.00%±0.00%
0.60% (−0.25%)
ND1223.02%+1.37%
3.40% (+2.00%)
NE3781.00%±0.00%N/A
NH1992.27%±0.00%
0.10% (−0.05%)
NJ14831.62%±0.00%
0.05% (−3.70%)
NM2270.50%±0.00%N/A
NV3532.17%±0.00%
1.10% (+0.25%)
NY20262.45%+0.43%
3.50% (+3.30%)
OH17140.60%±0.00%
0.03% (−3.47%)
OK2802.13%±0.00%
3.75% (+0.20%)
OR5222.10%+1.60%
3.65% (+3.61%)
PA21391.00%±0.00%
2.02% (+2.00%)
PR31.92%±0.00%N/A
RI1261.18%±0.00%
3.65% (+0.51%)
SC7140.99%+0.01%
0.98% (+0.02%)
SD1153.08%+1.07%
3.90% (+3.86%)
TN8931.14%−0.36%
3.50% (+1.50%)
TX30352.42%±0.00%
0.95% (+0.94%)
UT4790.70%±0.00%
3.10% (−0.25%)
VA12561.00%±0.00%
1.36% (+0.31%)
VT471.68%+1.30%
3.50% (+3.30%)
WA9202.50%±0.00%
2.43% (+2.41%)
WI9900.50%±0.00%
0.02% (−2.03%)
WV2020.50%±0.00%N/A
WY802.17%±0.00%N/A

CDs by State — 6-Month

StateBranchesMedian APYWoW ΔTop Mover
AK652.38%+1.34%
3.00% (+2.97%)
AL7703.45%+0.06%
3.50% (+3.46%)
AR4403.00%±0.00%N/A
AZ9363.05%+0.15%
3.82% (+3.78%)
CA45243.20%±0.00%
2.25% (+0.50%)
CO8953.13%−0.05%
3.10% (−0.25%)
CT8362.28%+0.14%
0.05% (−0.05%)
DC1702.84%±0.00%N/A
DE1943.00%±0.00%
3.32% (−0.02%)
FL33553.43%+0.04%
3.75% (+1.00%)
GA11882.95%±0.00%N/A
GU72.60%±0.00%N/A
HI2312.88%+1.00%
3.56% (+3.52%)
IA6053.00%±0.00%
4.04% (+0.56%)
ID3793.05%±0.00%
2.53% (+2.50%)
IL20662.22%+0.05%
3.50% (+3.45%)
IN9842.92%±0.00%
0.25% (−0.50%)
KS6012.77%+0.10%
3.50% (+3.46%)
KY6722.75%±0.00%N/A
LA5473.25%−0.05%
0.03% (−2.99%)
MA15252.50%±0.00%
0.04% (−3.46%)
MD9672.50%±0.00%
3.32% (−0.02%)
ME4493.30%+0.15%
3.50% (+3.46%)
MI19233.05%−0.04%
2.75% (−1.05%)
MN7203.19%−0.05%
0.04% (−4.00%)
MO8802.66%±0.00%
0.04% (−3.61%)
MP21.36%±0.00%N/A
MS3811.50%±0.00%
1.44% (−1.08%)
MT863.48%−0.05%
3.45% (−0.10%)
NC18782.25%−0.28%
0.04% (−3.56%)
ND1253.23%+0.10%
3.20% (+1.70%)
NE5502.64%±0.00%
0.50% (−3.40%)
NH3233.08%±0.00%
0.04% (−1.96%)
NJ17343.00%±0.00%
0.05% (−3.70%)
NM2552.65%±0.00%
4.50% (−0.50%)
NV3592.92%±0.00%
3.50% (+0.35%)
NY31743.27%+0.25%
2.45% (+2.10%)
OH20583.00%±0.00%
0.03% (−3.87%)
OK4113.29%±0.00%
3.96% (+0.31%)
OR6202.76%+0.55%
3.55% (+3.51%)
PA26153.01%+0.01%
0.04% (−3.71%)
PR33.42%±0.00%N/A
RI1602.25%±0.00%
3.63% (+0.51%)
SC7671.86%±0.00%
1.01% (+0.01%)
SD1383.29%±0.00%
3.90% (+3.86%)
TN10773.43%±0.00%
1.44% (−1.08%)
TX33453.40%+0.10%
3.85% (+3.81%)
UT5553.55%±0.00%
3.10% (−0.25%)
VA14202.50%±0.00%
0.04% (−0.36%)
VT1772.84%±0.00%
2.45% (+2.10%)
WA12263.30%−0.03%
2.53% (+2.50%)
WI12322.21%+0.21%
4.00% (+3.90%)
WV2252.50%±0.00%N/A
WY883.07%±0.00%N/A

CDs by State — 9-Month

StateBranchesMedian APYWoW ΔTop Mover
AK191.02%±0.00%N/A
AL4531.20%+0.85%
3.50% (+3.46%)
AR1832.70%±0.00%N/A
AZ5352.99%+0.37%N/A
CA26833.30%±0.00%
2.63% (+0.15%)
CO6542.17%±0.00%
4.11% (+0.01%)
CT4182.00%−0.55%
0.05% (−3.20%)
DC993.30%±0.00%N/A
DE933.35%±0.00%N/A
FL20163.30%+0.02%
3.60% (+3.20%)
GA6012.27%+0.02%N/A
GU30.14%±0.00%N/A
HI1182.25%±0.00%
0.08% (+0.05%)
IA3362.34%−0.09%
4.20% (+0.26%)
ID2253.15%+0.13%
3.77% (+3.73%)
IL13812.00%+0.05%
0.75% (+0.74%)
IN6412.95%+0.08%N/A
KS3342.25%±0.00%N/A
KY3061.90%+0.70%N/A
LA4373.12%±0.00%N/A
MA10093.25%±0.00%
4.10% (+4.06%)
MD5363.35%±0.00%N/A
ME2543.10%±0.00%N/A
MI10673.05%+0.30%
3.00% (+0.25%)
MN3323.50%±0.00%
4.00% (+0.20%)
MO5202.02%±0.00%N/A
MP10.14%±0.00%N/A
MS2080.50%±0.00%N/A
MT342.34%±0.00%N/A
NC9392.25%+0.17%
3.75% (+0.50%)
ND412.01%±0.00%N/A
NE2962.00%±0.00%N/A
NH1703.25%±0.00%N/A
NJ11733.08%+0.08%
0.05% (−3.70%)
NM1291.85%±0.00%N/A
NV2003.17%±0.00%
4.30% (+0.30%)
NY19333.35%+0.09%
3.60% (+3.20%)
OH15172.51%+0.00%
3.25% (−0.25%)
OK1212.70%±0.00%
4.23% (+0.36%)
OR5113.05%+0.84%
3.77% (+3.73%)
PA18273.25%±0.00%
1.25% (+1.24%)
PR22.00%±0.00%N/A
RI962.00%±0.00%
3.60% (+0.50%)
SC4221.90%+0.45%
1.01% (+0.01%)
SD482.00%±0.00%N/A
TN6362.25%+0.17%
3.60% (+0.35%)
TX15233.05%±0.00%
0.05% (−3.10%)
UT3153.28%±0.00%
3.90% (+0.10%)
VA7063.08%±0.00%
3.35% (−0.90%)
VT571.00%+0.22%
3.60% (+3.20%)
WA7633.15%+0.10%
3.77% (+3.73%)
WI7492.25%±0.00%
4.00% (+0.20%)
WV1242.67%+0.42%N/A
WY451.33%±0.00%N/A

CDs by State — 12-Month

StateBranchesMedian APYWoW ΔTop Mover
AK663.15%+0.33%
3.15% (+3.12%)
AL7693.30%+0.05%
3.50% (+3.46%)
AR3602.55%±0.00%
3.75% (+0.20%)
AZ8983.15%+0.11%
4.02% (+3.98%)
CA45763.25%±0.00%
4.07% (+0.41%)
CO9063.17%−0.03%
3.20% (−0.25%)
CT8312.67%−0.08%
0.05% (−3.10%)
DC1783.00%±0.00%
2.80% (+2.77%)
DE1902.75%±0.00%
3.55% (−0.05%)
FL34613.25%±0.00%
3.35% (+3.00%)
GA11373.02%+0.05%
2.80% (+2.77%)
GU72.90%±0.00%N/A
HI2422.90%±0.00%
2.80% (+2.77%)
IA6052.94%−0.06%
0.75% (−3.06%)
ID3793.25%±0.00%
2.94% (+2.91%)
IL20682.25%+0.01%
1.00% (+0.99%)
IN10973.05%+0.05%
3.85% (+0.85%)
KS5943.00%+0.25%
3.50% (+3.46%)
KY6612.95%±0.00%
4.10% (−0.90%)
LA5523.35%+0.05%
0.03% (−2.97%)
MA15172.60%−0.07%
3.25% (+3.22%)
MD9922.67%+0.14%
2.80% (+2.77%)
ME4563.00%±0.00%
3.25% (+3.22%)
MI19793.25%±0.00%
2.02% (−1.33%)
MN7263.25%±0.00%
0.04% (−3.70%)
MO8142.90%−0.13%
0.04% (−3.61%)
MP22.90%±0.00%N/A
MS3812.28%+0.28%
3.75% (+3.40%)
MT853.25%±0.00%
3.50% (+0.25%)
NC18542.91%−0.09%
0.03% (−3.37%)
ND1403.15%±0.00%
3.55% (+0.26%)
NE5412.87%+0.03%
0.75% (−3.00%)
NH3242.75%−0.03%
0.04% (−3.51%)
NJ17293.00%±0.00%
0.05% (−3.70%)
NM2582.90%−0.05%
3.25% (−0.50%)
NV3632.78%±0.00%
4.15% (+0.65%)
NY31003.17%+0.13%
2.80% (+2.77%)
OH21333.25%−0.23%
0.03% (−3.87%)
OK3942.85%−0.14%
1.00% (−3.16%)
OR6263.02%+0.52%
3.25% (+3.22%)
PA25823.00%−0.14%
3.53% (+3.49%)
PR31.97%±0.00%N/A
RI1602.75%±0.00%
3.67% (+0.52%)
SC7402.00%−0.25%
1.70% (−1.33%)
SD1323.52%+0.15%
3.90% (+3.86%)
TN10093.03%+0.03%
3.25% (+3.22%)
TX34383.30%±0.00%
3.20% (+3.15%)
UT5663.65%±0.00%
0.03% (−3.22%)
VA14663.00%±0.00%
2.80% (+2.77%)
VT1722.63%−0.14%
0.04% (−3.51%)
WA12393.25%±0.00%
2.94% (+2.91%)
WI12282.52%±0.00%
3.75% (+3.71%)
WV2322.13%±0.00%N/A
WY853.04%±0.00%N/A

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