Weekly CD Rate Report

Week ending September 13, 2026

Comparison week ending September 6, 2026

Key stats

All US banks · week-over-week
3-month CD
2.01%
median APY
+0.01% WoW
Matching Treasury
4.07%+16 bps
6-month CD
3.25%
median APY
+0.05% WoW
Matching Treasury
4.12%+14 bps
9-month CD
3.45%
median APY
+0.10% WoW
Matching Treasury
4.23%+18 bps
12-month CD
3.25%
median APY
±0.00% WoW
Matching Treasury
4.35%+22 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 1 bps to 2.01% this week. The < $5B tier rose 25 bps and the $5B – $10B tier fell 16 bps. The matching 3-month Treasury yield rose 16 bps to 4.07% over the same week. Unusual: one moved materially while the other was essentially flat. Largest single-bank move: Dakota Community Bank & Trust, National Association raised 402 bps.
  • The 6-month median APY rose 5 bps to 3.25% this week. The $10B – $50B tier rose 5 bps and the ≥ $100B tier fell 25 bps. The matching 6-month Treasury yield rose 14 bps to 4.12% over the same week. Largest single-bank move: U S #1364 FEDERAL CREDIT UNION raised 421 bps.
  • The 9-month median APY rose 10 bps to 3.45% this week. The < $5B tier rose 10 bps and the $5B – $10B tier fell 18 bps. The matching 9-month Treasury yield rose 18 bps to 4.23% over the same week. Largest single-bank move: The Bank of Commerce raised 396 bps.
  • The 12-month median APY held flat at 3.25% this week. The $50B – $100B tier rose 24 bps and the ≥ $100B tier fell 25 bps. The matching 12-month Treasury yield rose 22 bps to 4.35% over the same week. Unusual: one moved materially while the other was essentially flat. Largest single-bank move: ZIA CREDIT UNION cut 455 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
$16.02T
1.94%
+0.06%
2.01%
+0.01%
0.01%
Regions Bank · $500 min
5.02%
R Bank · $1K min
4.06% (+4.02%)
≥ $100B
$11.77T
1.40%
+0.01%
0.50%
±0.00%
0.01%
Regions Bank · $500 min
4.06%
4.06% (+0.10%)
$50B – $100B
$970.2B
1.66%
±0.00%
2.00%
±0.00%
0.01%
3.90%
COMERICA BANK · $3K min
N/A
$10B – $50B
$1.31T
2.37%
+0.00%
3.00%
±0.00%
0.02%
4.11%
2.75% (−0.75%)
$5B – $10B
$464.0B
2.12%
−0.17%
2.59%
−0.16%
0.03%
4.05%
Merrick Bank · $25K min
0.04% (−3.96%)
< $5B
$1.51T
1.92%
+0.07%
2.00%
+0.25%
0.02%
5.02%
R Bank · $1K min
4.06% (+4.02%)

Median 3-month APY rose 1 bps to 2.01%. The < $5B tier rose 25 bps and the $5B – $10B tier fell 16 bps. The matching 3-month Treasury yield rose 16 bps to 4.07% over the same week.

6-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$16.02T
2.69%
+0.08%
3.25%
+0.05%
0.01%
5.50%
DOW CREDIT UNION · $500 min
4.25% (+4.21%)
≥ $100B
$11.77T
2.26%
−0.15%
3.00%
−0.25%
0.01%
4.20%
E*TRADE · No min
0.03% (−2.97%)
$50B – $100B
$970.2B
2.27%
±0.00%
2.84%
±0.00%
0.01%
4.10%
Synchrony Bank · No min
N/A
$10B – $50B
$1.31T
2.76%
+0.01%
3.20%
+0.05%
0.03%
4.75%
1.50% (+1.48%)
$5B – $10B
$464.0B
2.68%
−0.16%
3.30%
−0.14%
0.04%
Poppy Bank · $1K min
4.25%
0.04% (−3.96%)
< $5B
$1.51T
2.70%
+0.09%
3.25%
+0.05%
0.03%
Citizens Trust Bank · $100K min
5.50%
DOW CREDIT UNION · $500 min
4.25% (+4.21%)

Median 6-month APY rose 5 bps to 3.25%. The $10B – $50B tier rose 5 bps and the ≥ $100B tier fell 25 bps. The matching 6-month Treasury yield rose 14 bps to 4.12% over the same week.

9-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$16.02T
2.89%
+0.12%
3.45%
+0.10%
0.01%
5.30%
0.04% (−3.96%)
≥ $100B
$11.77T
1.99%
−0.05%
2.00%
±0.00%
0.01%
4.30%
2.70% (−1.05%)
$50B – $100B
$970.2B
2.30%
±0.00%
2.73%
±0.00%
0.01%
4.00%
CIBC Bank USA · $1K min
N/A
$10B – $50B
$1.31T
2.84%
+0.11%
3.25%
±0.00%
0.02%
4.27%
1.80% (+1.78%)
$5B – $10B
$464.0B
2.82%
−0.16%
3.30%
−0.18%
0.04%
Poppy Bank · $1K min
4.30%
EagleBank · $1K min
0.04% (−3.96%)
< $5B
$1.51T
2.93%
+0.13%
3.50%
+0.10%
0.038%
BankOrion · No min
5.30%
4.00% (+3.96%)

Median 9-month APY rose 10 bps to 3.45%. The < $5B tier rose 10 bps and the $5B – $10B tier fell 18 bps. The matching 9-month Treasury yield rose 18 bps to 4.23% over the same week.

12-Month CDs

TierTotal DepositsAvgMedianMinMaxTop Mover
All banks
$16.02T
2.83%
+0.07%
3.25%
±0.00%
0.01%
4.86%
R Bank · $1K min
0.45% (−4.55%)
≥ $100B
$11.77T
2.44%
−0.16%
3.00%
−0.25%
0.01%
4.25%
0.03% (−2.97%)
$50B – $100B
$970.2B
2.21%
+0.17%
2.33%
+0.24%
0.01%
4.15%
CIBC Bank USA · $1K min
2.50% (+2.40%)
$10B – $50B
$1.31T
2.78%
+0.00%
3.00%
±0.00%
0.03%
4.52%
2.90% (+2.80%)
$5B – $10B
$464.0B
2.71%
−0.14%
3.08%
−0.22%
0.04%
Poppy Bank · $1K min
4.30%
CFG Bank · $500 min
0.04% (−3.96%)
< $5B
$1.51T
2.84%
+0.08%
3.28%
+0.03%
0.03%
Old Glory Bank · $3K min
4.86%
R Bank · $1K min
0.45% (−4.55%)

Median 12-month APY held flat at 3.25%. The $50B – $100B tier rose 24 bps and the ≥ $100B tier fell 25 bps. The matching 12-month Treasury yield rose 22 bps to 4.35% 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

  • ND · 9-month: 3.62% (+1.80%)
  • MP · 12-month: 2.90% (+1.40%)
  • ND · 3-month: 3.02% (+1.38%)
  • HI · 9-month: 3.45% (+1.20%)
  • VT · 9-month: 1.65% (+1.10%)

CDs by State — 3-Month

StateBranchesMedian APYWoW ΔTop Mover
AK511.90%±0.00%N/A
AL6552.47%−0.02%N/A
AR1890.75%±0.00%
3.00% (+0.90%)
AZ8252.17%+0.08%N/A
CA44482.79%+0.04%
0.04% (−3.96%)
CO7802.50%−0.01%N/A
CT5930.70%±0.00%N/A
DC1481.00%±0.00%N/A
DE1682.00%+0.20%N/A
FL33652.25%±0.00%
2.75% (−0.75%)
GA10572.00%+0.04%N/A
GU72.90%±0.00%N/A
HI2172.83%−0.07%N/A
IA4971.13%+0.13%
2.50% (+2.47%)
ID3612.17%+0.67%
3.00% (+2.97%)
IL18891.00%±0.00%
3.56% (+3.52%)
IN8701.44%+0.10%
1.21% (+0.21%)
KS5221.50%+0.45%
3.70% (+3.66%)
KY6461.00%−0.05%
0.70% (+0.69%)
LA5171.95%+0.05%
0.752% (+0.00%)
MA11822.75%−0.13%
3.75% (+3.71%)
MD7901.00%±0.00%
3.875% (−0.00%)
ME3431.83%+0.19%
3.56% (+3.52%)
MI11572.50%−0.06%
3.00% (−0.90%)
MN5772.52%±0.00%
2.50% (+2.47%)
MO7741.05%+0.04%
3.41% (+3.38%)
MP21.51%±0.00%N/A
MS2610.50%±0.00%
2.18% (+0.90%)
MT831.17%+0.77%
3.00% (+2.97%)
NC16071.43%+0.43%
3.50% (+3.46%)
ND1513.02%+1.38%
4.06% (+4.02%)
NE4031.23%+0.23%
2.269% (−0.00%)
NH2182.51%−0.02%
3.56% (+3.52%)
NJ14982.73%+0.56%
3.50% (+3.46%)
NM2371.00%−0.01%
1.00% (−2.50%)
NV3692.33%+0.17%N/A
NY20362.50%+0.02%
3.55% (+3.51%)
OH15471.38%+0.68%
2.75% (−0.75%)
OK3352.41%+0.16%N/A
OR5442.00%−0.10%N/A
PA22151.25%+0.25%
1.25% (+1.24%)
PR31.92%±0.00%N/A
RI1231.69%+0.33%N/A
SC7841.13%+0.13%
1.51% (+1.49%)
SD1163.03%+1.02%
4.06% (+4.02%)
TN8752.25%±0.00%
1.00% (+0.99%)
TX32162.50%±0.00%
3.25% (+3.22%)
UT4781.36%±0.00%
0.55% (+0.54%)
VA13081.05%+0.05%
1.05% (−0.31%)
VT601.00%+0.25%
3.40% (−0.05%)
WA9742.50%±0.00%
2.75% (+0.25%)
WI10140.65%+0.15%
1.00% (+0.99%)
WV1891.00%+0.50%N/A
WY972.09%−0.08%
1.86% (+1.84%)

CDs by State — 6-Month

StateBranchesMedian APYWoW ΔTop Mover
AK652.38%±0.00%N/A
AL8533.50%+0.02%
3.50% (+0.25%)
AR4283.02%+0.00%
0.03% (−2.97%)
AZ10253.20%+0.08%
0.03% (−2.97%)
CA46963.25%+0.04%
0.04% (−3.96%)
CO9193.29%+0.09%
0.03% (−2.97%)
CT7862.50%−0.03%
0.03% (−2.97%)
DC1742.89%−0.11%
0.03% (−2.97%)
DE2183.15%+0.15%
0.03% (−2.97%)
FL35313.45%+0.02%
4.15% (+4.11%)
GA12293.45%+0.11%
0.03% (−2.97%)
GU72.60%±0.00%N/A
HI2563.10%+0.23%N/A
IA6562.75%−0.48%
0.20% (−3.29%)
ID3983.25%+0.20%
3.75% (+3.71%)
IL19872.27%+0.01%
3.66% (+3.62%)
IN9962.79%−0.21%
4.25% (+4.21%)
KS6553.02%+0.07%
3.80% (+3.76%)
KY7542.73%−0.52%
0.40% (−3.35%)
LA6153.30%+0.02%
3.50% (+0.25%)
MA16432.85%+0.07%
0.03% (−2.97%)
MD10512.27%−0.28%
0.03% (−2.97%)
ME4733.35%±0.00%
3.30% (+3.27%)
MI15943.09%−0.03%
0.03% (−2.97%)
MN7263.17%−0.07%
0.03% (−2.97%)
MO9363.01%±0.00%
3.48% (+3.45%)
MP21.33%±0.00%N/A
MS3291.88%+0.38%
2.98% (+1.59%)
MT1153.50%+0.29%
3.75% (+3.71%)
NC20232.88%+0.10%
3.25% (+3.22%)
ND1543.28%+0.18%
4.14% (+4.10%)
NE5752.85%+0.09%
0.03% (−2.97%)
NH3613.08%−0.13%
3.30% (+3.27%)
NJ17823.00%±0.00%
3.25% (+3.22%)
NM2912.90%−0.10%
0.03% (−2.97%)
NV3903.00%±0.00%
0.03% (−2.97%)
NY32273.29%+0.25%
3.53% (+3.49%)
OH19123.05%−0.20%
0.20% (−3.40%)
OK4973.35%+0.35%
3.80% (+3.76%)
OR6773.05%+0.02%
0.03% (−2.97%)
PA27333.00%−0.09%
3.55% (+3.51%)
PR33.42%±0.00%N/A
RI1532.50%−0.25%
0.03% (−2.97%)
SC8472.53%+0.28%
3.53% (+3.49%)
SD1453.43%+0.15%
4.14% (+4.10%)
TN10773.42%−0.06%
0.40% (−3.35%)
TX38153.43%+0.03%
0.04% (−3.78%)
UT5443.51%−0.02%
0.03% (−2.97%)
VA15062.51%−0.03%
0.40% (−3.40%)
VT1902.68%−0.16%N/A
WA13133.27%−0.08%
0.03% (−2.97%)
WI13092.12%+0.12%
3.50% (+3.46%)
WV2142.26%−0.34%N/A
WY1113.25%+0.31%
3.58% (+3.54%)

CDs by State — 9-Month

StateBranchesMedian APYWoW ΔTop Mover
AK191.02%±0.00%N/A
AL4131.90%±0.00%
0.03% (+0.02%)
AR1423.15%±0.00%
1.80% (+1.78%)
AZ5612.99%−0.06%
1.71% (−2.31%)
CA28523.40%±0.00%
0.04% (−3.96%)
CO6513.20%+0.55%
1.80% (+1.78%)
CT3612.80%+0.05%N/A
DC993.25%−0.02%
3.85% (+0.35%)
DE1063.25%−0.10%N/A
FL23593.30%+0.05%
4.00% (+3.96%)
GA6413.25%+0.10%
0.03% (+0.02%)
GU30.09%±0.00%N/A
HI1333.45%+1.20%N/A
IA3783.55%+0.38%
4.00% (+3.80%)
ID2323.25%+0.15%
4.00% (+3.96%)
IL14472.53%+0.43%
0.038% (−3.71%)
IN6943.23%+0.15%
4.00% (+3.96%)
KS3053.10%+0.62%
3.80% (+3.76%)
KY4693.30%−0.15%
2.79% (+2.76%)
LA4573.12%−0.33%
0.03% (+0.02%)
MA10793.25%±0.00%
3.45% (+3.05%)
MD5913.25%−0.05%
3.85% (+0.35%)
ME2583.25%±0.00%
3.20% (+3.17%)
MI9403.13%+0.02%N/A
MN3053.50%±0.00%
2.25% (+2.23%)
MO5392.95%+0.82%
2.79% (+2.76%)
MP10.09%±0.00%N/A
MS1200.88%±0.00%
0.03% (+0.02%)
MT343.15%+0.81%
4.00% (+3.96%)
NC10252.67%+0.07%
4.05% (+0.05%)
ND583.62%+1.80%
3.62% (+3.58%)
NE3062.23%±0.00%
1.71% (−2.31%)
NH1983.23%−0.02%
3.20% (+3.17%)
NJ11853.01%±0.00%
3.45% (+3.05%)
NM1302.04%±0.00%
1.80% (+1.78%)
NV2003.22%±0.00%
3.81% (+0.25%)
NY19173.29%−0.01%
3.45% (+3.05%)
OH14183.20%+0.55%
3.56% (+3.51%)
OK1833.55%+0.85%
1.80% (+1.78%)
OR5323.20%+0.10%
3.81% (+0.25%)
PA18513.25%±0.00%
1.25% (+1.24%)
PR22.00%±0.00%N/A
RI932.75%+0.38%N/A
SC4652.00%+0.10%
0.03% (+0.02%)
SD513.06%+1.06%
3.62% (+3.58%)
TN6653.32%+0.10%
0.03% (+0.02%)
TX14883.20%+0.05%
1.80% (+1.78%)
UT3123.15%−0.05%
2.70% (−1.05%)
VA7113.08%+0.03%
3.85% (+0.35%)
VT701.65%+1.10%
3.45% (+3.05%)
WA8013.20%±0.00%
3.81% (+0.25%)
WI7663.17%+0.79%
2.00% (+1.98%)
WV1133.17%+0.07%
3.65% (−0.10%)
WY673.08%+0.60%N/A

CDs by State — 12-Month

StateBranchesMedian APYWoW ΔTop Mover
AK663.15%±0.00%N/A
AL8503.47%−0.00%
4.20% (+0.35%)
AR3482.73%±0.00%
0.03% (−2.97%)
AZ9873.50%+0.25%
0.03% (−2.97%)
CA47613.29%+0.04%
0.04% (−3.96%)
CO9303.30%+0.01%
0.03% (−2.97%)
CT7812.50%−0.48%
0.03% (−2.97%)
DC1823.08%±0.00%
0.03% (−2.97%)
DE2193.25%+0.08%
0.03% (−2.97%)
FL36493.50%+0.15%
4.05% (+4.01%)
GA11883.45%+0.20%
3.50% (+3.46%)
GU72.90%±0.00%
2.90% (+2.80%)
HI2673.10%+0.20%
2.90% (+2.80%)
IA6612.97%−0.03%
0.75% (−3.07%)
ID3983.40%+0.15%
3.50% (+3.46%)
IL20082.53%+0.01%
4.01% (+3.97%)
IN11103.05%−0.09%
3.75% (+3.71%)
KS6483.25%+0.16%
3.65% (+3.61%)
KY7633.15%±0.00%
0.03% (−2.97%)
LA6203.45%±0.00%
3.45% (+0.05%)
MA16182.75%±0.00%
3.50% (+3.46%)
MD10793.00%±0.00%
0.03% (−2.97%)
ME4733.04%±0.00%
0.03% (−2.97%)
MI16613.25%−0.02%
0.03% (−2.97%)
MN7443.25%±0.00%
0.03% (−2.97%)
MO8703.15%+0.12%
3.58% (+3.54%)
MP22.90%+1.40%
2.90% (+2.80%)
MS3292.00%−0.38%
0.35% (−3.40%)
MT1143.35%+0.41%
3.50% (+3.46%)
NC19993.00%±0.00%
3.40% (+3.37%)
ND1693.35%+0.33%
3.84% (+3.80%)
NE5663.00%+0.03%
0.03% (−2.97%)
NH3612.67%−0.33%
0.03% (−2.97%)
NJ17843.01%+0.01%
0.03% (−2.97%)
NM3002.84%−0.16%
0.45% (−4.55%)
NV3793.08%+0.08%
3.29% (+3.09%)
NY31863.29%+0.19%
0.03% (−2.97%)
OH19873.45%+0.03%
3.85% (+3.35%)
OK4802.95%+0.03%
3.80% (+3.76%)
OR7003.02%−0.02%
0.03% (−2.97%)
PA27423.00%−0.14%
3.25% (+3.22%)
PR34.03%±0.00%N/A
RI1572.00%−0.88%
0.03% (−2.97%)
SC8242.58%+0.46%
3.60% (+3.56%)
SD1393.60%+0.05%
3.84% (+3.80%)
TN10093.27%−0.02%
0.03% (−2.97%)
TX39343.40%+0.10%
0.04% (−3.83%)
UT5553.50%−0.15%
0.03% (−2.97%)
VA15523.15%±0.00%
0.03% (−2.97%)
VT1852.75%+0.11%
3.45% (+2.30%)
WA13953.27%+0.02%
0.03% (−2.97%)
WI13182.57%−0.09%
0.25% (−3.75%)
WV2272.53%+0.13%
3.65% (−0.10%)
WY1083.27%+0.23%
3.50% (+3.46%)

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