Weekly CD Rate Report — Week Ending October 18, 2026

Key stats

All US banks · week-over-week

3-month CD

2.02%

median APY

+0.01% WoW

Matching Treasury

4.26%+1 bps

6-month CD

3.28%

median APY

+0.03% WoW

Matching Treasury

4.34%+2 bps

9-month CD

3.51%

median APY

+0.01% WoW

Matching Treasury

4.40%+1 bps

12-month CD

3.45%

median APY

+0.01% WoW

Matching Treasury

4.46%−1 bps

At a glance

Executive Summary

CD rates moved higher across tenors, with the 3-month higher, the 6-month higher, the 9-month higher, and the 12-month higher in line with Treasury yields.
The 3-month median APY rose 1 bps to 2.02% this week. Tier-level moves were broadly flat across deposit sizes. The matching 3-month Treasury yield rose 1 bps to 4.26% over the same week. Largest single-bank move: ST. MARY'S CREDIT UNION raised 285 bps.
The 6-month median APY rose 3 bps to 3.28% this week. The < $5B tier rose 3 bps and the ≥ $100B tier fell 27 bps. The matching 6-month Treasury yield rose 2 bps to 4.34% over the same week. Largest single-bank move: PyraMax Bank, FSB raised 390 bps.
The 9-month median APY rose 1 bps to 3.51% this week. The < $5B tier rose 3 bps; no tier posted a decline. The matching 9-month Treasury yield rose 1 bps to 4.40% over the same week. Largest single-bank move: The St. Henry Bank cut 377 bps.
The 12-month median APY rose 1 bps to 3.45% this week. The < $5B tier rose 1 bps and the $10B – $50B tier fell 25 bps. The matching 12-month Treasury yield fell 1 bps to 4.46% over the same week. Largest single-bank move: TD Bank, National Association cut 410 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	$18.02T	1.98% +0.01%	2.02% +0.01%	0.01% Cowboy State Bank · No min	5.02% R Bank · $100K min	ST. MARY'S CREDIT UNION 3.50% (+2.85%)
≥ $100B	$12.36T	1.43% +0.00%	0.50% ±0.00%	0.01% Regions Bank · $500 min	4.27% Charles Schwab Bank, SSB · No min	Charles Schwab Bank, SSB 4.27% (+0.05%)
$50B – $100B	$961.7B	1.73% −0.01%	1.51% ±0.00%	0.01% Webster Bank, National Association · $500 min	4.01% USAA Federal Savings Bank · $175K min	Western Alliance Bank 3.48% (−0.11%)
$10B – $50B	$1.54T	2.48% +0.02%	3.00% ±0.00%	0.02% Associated Bank, National Association · $10K min	4.42% State Bank of India · No min	Apple Bank 2.75% (+1.25%)
$5B – $10B	$776.0B	2.01% −0.01%	2.50% ±0.00%	0.03% The Farmers National Bank of Canfield · $1K min	4.25% Ivy Bank · $1K min	TINKER FEDERAL CREDIT UNION 2.94% (−0.47%)
< $5B	$2.38T	1.97% +0.01%	2.00% ±0.00%	0.01% Cowboy State Bank · No min	5.02% R Bank · $100K min	ST. MARY'S CREDIT UNION 3.50% (+2.85%)

Median 3-month APY rose 1 bps to 2.02%. Tier-level moves were broadly flat across deposit sizes. The matching 3-month Treasury yield rose 1 bps to 4.26% over the same week.

6-Month CDs

Tier	Total Deposits	Avg	Median	Min	Max	Top Mover
All banks	$18.02T	2.77% +0.01%	3.28% +0.03%	0.01% USAA Federal Savings Bank · $250 min	5.07% R Bank · $100K min	PyraMax Bank, FSB 4.00% (+3.90%)
≥ $100B	$12.36T	2.34% −0.01%	3.00% −0.27%	0.01% Fifth Third Bank, National Association · $50K min	4.40% Charles Schwab Bank, SSB · No min	TD Bank, National Association 0.05% (−1.95%)
$50B – $100B	$961.7B	2.55% +0.16%	3.22% −0.03%	0.01% USAA Federal Savings Bank · $250 min	4.10% Synchrony Bank · No min	Columbia Bank 3.40% (+3.35%)
$10B – $50B	$1.54T	2.71% −0.00%	3.15% ±0.00%	0.05% TD Bank USA, National Association · $250 min	4.58% State Bank of India · No min	TD Bank USA, National Association 0.05% (−1.95%)
$5B – $10B	$776.0B	2.59% −0.01%	3.10% ±0.00%	0.05% Kearny Bank · $1K min	4.35% Merrick Bank · $25K min	Johnson Bank 2.01% (−1.10%)
< $5B	$2.38T	2.78% +0.01%	3.28% +0.03%	0.01% EDU FEDERAL CREDIT UNION · $500 min	5.07% R Bank · $100K min	PyraMax Bank, FSB 4.00% (+3.90%)

Median 6-month APY rose 3 bps to 3.28%. The < $5B tier rose 3 bps and the ≥ $100B tier fell 27 bps. The matching 6-month Treasury yield rose 2 bps to 4.34% over the same week.

9-Month CDs

Tier	Total Deposits	Avg	Median	Min	Max	Top Mover
All banks	$18.02T	3.02% +0.03%	3.51% +0.01%	0.01% EDU FEDERAL CREDIT UNION · $500 min	5.00% CALHOUN LIBERTY CREDIT UNION · No min	The St. Henry Bank 0.05% (−3.77%)
≥ $100B	$12.36T	2.41% ±0.00%	2.88% ±0.00%	0.01% Regions Bank · $500 min	4.53% Charles Schwab Bank, SSB · No min	N/A
$50B – $100B	$961.7B	2.05% ±0.00%	2.52% ±0.00%	0.01% Webster Bank, National Association · $500 min	4.20% CIBC Bank USA · $1K min	N/A
$10B – $50B	$1.54T	2.97% +0.04%	3.45% ±0.00%	0.02% Associated Bank, National Association · $10K min	4.58% State Bank of India · No min	Apple Bank 3.00% (+1.50%)
$5B – $10B	$776.0B	2.96% +0.01%	3.45% ±0.00%	0.05% Old Second National Bank · $1K min	4.50% BAXTER CREDIT UNION · No min	TINKER FEDERAL CREDIT UNION 3.44% (−0.57%)
< $5B	$2.38T	3.05% +0.03%	3.53% +0.03%	0.01% EDU FEDERAL CREDIT UNION · $500 min	5.00% CALHOUN LIBERTY CREDIT UNION · No min	The St. Henry Bank 0.05% (−3.77%)

Median 9-month APY rose 1 bps to 3.51%. The < $5B tier rose 3 bps; no tier posted a decline. The matching 9-month Treasury yield rose 1 bps to 4.40% over the same week.

12-Month CDs

Tier	Total Deposits	Avg	Median	Min	Max	Top Mover
All banks	$18.02T	2.96% +0.02%	3.45% +0.01%	0.01% USAA Federal Savings Bank · $250 min	5.51% VACATIONLAND FEDERAL CREDIT UNION · $500 min	TD Bank, National Association 0.05% (−4.10%)
≥ $100B	$12.36T	2.70% −0.11%	3.65% −0.10%	0.01% Regions Bank · $500 min	4.75% E*TRADE · No min	TD Bank, National Association 0.05% (−4.10%)
$50B – $100B	$961.7B	2.39% +0.17%	2.64% ±0.00%	0.01% USAA Federal Savings Bank · $250 min	4.35% CIBC Bank USA · $1K min	Columbia Bank 2.50% (+2.40%)
$10B – $50B	$1.54T	2.84% −0.03%	3.25% −0.25%	0.05% TD Bank USA, National Association · $250 min	4.89% State Bank of India · No min	TD Bank USA, National Association 0.05% (−4.10%)
$5B – $10B	$776.0B	2.80% +0.01%	3.23% −0.02%	0.10% Old Second National Bank · $1K min	4.64% Merrick Bank · $25K min	TINKER FEDERAL CREDIT UNION 3.54% (−0.57%)
< $5B	$2.38T	2.98% +0.02%	3.45% +0.01%	0.04% Central Federal Savings and Loan Association · $10K min	5.51% VACATIONLAND FEDERAL CREDIT UNION · $500 min	PROGRESSIONS CREDIT UNION 4.50% (+3.50%)

Median 12-month APY rose 1 bps to 3.45%. The < $5B tier rose 1 bps and the $10B – $50B tier fell 25 bps. The matching 12-month Treasury yield fell 1 bps to 4.46% 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

NH · 12-month: 2.65% (−0.35%)
MS · 6-month: 1.90% (+0.26%)
NJ · 3-month: 2.27% (+0.24%)
OH · 9-month: 3.02% (−0.23%)
CT · 9-month: 3.06% (+0.21%)

CDs by State — 3-Month

State	Branches	Median APY	WoW Δ	Top Mover
AK	170	1.90%	±0.00%	Northrim Bank 3.03% (+1.07%)
AL	825	2.10%	±0.00%	ALL IN FEDERAL CREDIT UNION 3.66% (−0.05%)
AR	278	1.00%	±0.00%	N/A
AZ	912	2.75%	±0.00%	Western Alliance Bank 3.48% (−0.11%)
CA	5190	2.75%	±0.00%	American Business Bank 4.10% (+0.30%)
CO	1066	2.75%	±0.00%	Western Alliance Bank 3.48% (−0.11%)
CT	708	1.00%	±0.00%	ST. MARY'S CREDIT UNION 3.50% (+2.85%)
DC	170	1.24%	±0.00%	N/A
DE	190	2.45%	±0.00%	EAGLE ONE FEDERAL CREDIT UNION 3.14% (+0.46%)
FL	3897	2.17%	±0.00%	ALL IN FEDERAL CREDIT UNION 3.66% (−0.05%)
GA	1156	1.51%	±0.00%	Century Bank and Trust 0.30% (+0.10%)
GU	7	2.80%	−0.10%	Bank of Hawaii 2.80% (−0.10%)
HI	244	1.77%	±0.00%	Bank of Hawaii 2.80% (−0.10%)
IA	731	1.31%	±0.00%	BANK 4.02% (+0.11%)
ID	395	2.78%	±0.00%	N/A
IL	2623	1.02%	+0.02%	Longview Community Bank 2.52% (+0.76%)
IN	1251	1.00%	±0.00%	CHIPHONE FEDERAL CREDIT UNION 1.00% (+0.01%)
KS	664	1.81%	+0.04%	Community Bank 2.00% (+1.90%)
KY	723	1.25%	±0.00%	Independence Bank of Kentucky 3.76% (+0.05%)
LA	631	2.13%	±0.00%	CHEVRON FEDERAL CREDIT UNION 3.50% (+0.20%)
MA	1366	2.50%	±0.00%	ST. MARY'S CREDIT UNION 3.50% (+2.85%)
MD	899	1.60%	±0.00%	NYMEO FEDERAL CREDIT UNION 3.46% (+0.05%)
ME	417	2.13%	±0.00%	LINCOLN MAINE FEDERAL CREDIT UNION 3.821% (−0.05%)
MI	1939	2.01%	−0.01%	Bank of Ann Arbor 3.25% (−0.10%)
MN	947	2.27%	+0.05%	The Bank of Elk River 2.27% (+0.25%)
MO	1092	1.50%	±0.00%	Guaranty Bank 4.24% (+0.19%)
MP	2	1.46%	−0.05%	Bank of Hawaii 2.80% (−0.10%)
MS	387	0.60%	+0.05%	CHEVRON FEDERAL CREDIT UNION 3.50% (+0.20%)
MT	157	1.90%	±0.00%	N/A
NC	1699	1.52%	±0.00%	PROPONENT FEDERAL CREDIT UNION 3.25% (+0.25%)
ND	219	3.14%	±0.00%	State Bank of Bottineau 3.55% (+0.26%)
NE	515	1.54%	±0.00%	Cattle Bank and Trust 1.00% (+0.50%)
NH	267	2.53%	±0.00%	N/A
NJ	1622	2.27%	+0.24%	Apple Bank 2.75% (+1.25%)
NM	332	2.50%	±0.00%	N/A
NV	455	2.65%	±0.00%	Western Alliance Bank 3.48% (−0.11%)
NY	2727	2.50%	+0.05%	Apple Bank 2.75% (+1.25%)
OH	2129	1.32%	±0.00%	AURGROUP CREDIT UNION 3.00% (+0.75%)
OK	498	2.88%	±0.00%	TINKER FEDERAL CREDIT UNION 2.94% (−0.47%)
OR	696	1.32%	±0.00%	N/A
PA	2591	1.50%	±0.00%	EAGLE ONE FEDERAL CREDIT UNION 3.14% (+0.46%)
PR	3	1.95%	±0.00%	N/A
RI	161	1.77%	±0.00%	Bristol County Savings Bank 3.00% (−0.14%)
SC	859	1.28%	±0.00%	N/A
SD	220	3.02%	±0.00%	N/A
TN	1075	2.14%	±0.00%	FIRST SOUTH FINANCIAL FEDERAL CREDIT UNION 1.64% (+0.07%)
TX	3889	2.60%	+0.01%	TINKER FEDERAL CREDIT UNION 2.94% (−0.47%)
UT	644	3.00%	±0.00%	CHEVRON FEDERAL CREDIT UNION 3.50% (+0.20%)
VA	1468	1.08%	±0.00%	CHEVRON FEDERAL CREDIT UNION 3.50% (+0.20%)
VT	106	1.25%	±0.00%	N/A
WA	1160	2.50%	±0.00%	N/A
WI	1480	1.00%	±0.00%	Johnson Bank 1.76% (+0.20%)
WV	259	0.97%	±0.00%	N/A
WY	131	1.86%	±0.00%	SUNLIGHT FEDERAL CREDIT UNION 3.67% (+0.89%)

CDs by State — 6-Month

State	Branches	Median APY	WoW Δ	Top Mover
AK	191	2.75%	+0.02%	Northrim Bank 2.98% (+0.25%)
AL	1110	3.45%	±0.00%	JPMorgan Chase Bank, National Association 2.25% (+1.75%)
AR	653	2.88%	±0.00%	JPMorgan Chase Bank, National Association 2.25% (+1.75%)
AZ	1181	3.50%	−0.00%	Columbia Bank 3.40% (+3.35%)
CA	5634	3.16%	+0.01%	SEA AIR FEDERAL CREDIT UNION 3.51% (+3.41%)
CO	1321	3.46%	±0.00%	Columbia Bank 3.40% (+3.35%)
CT	947	2.53%	±0.00%	TD Bank, National Association 0.05% (−1.95%)
DC	219	3.09%	−0.06%	TD Bank, National Association 0.05% (−1.95%)
DE	265	3.20%	+0.02%	TD Bank, National Association 0.05% (−1.95%)
FL	4428	3.35%	+0.00%	TD Bank, National Association 0.05% (−1.95%)
GA	1499	3.30%	±0.00%	JPMorgan Chase Bank, National Association 2.25% (+1.75%)
GU	7	1.75%	±0.00%	N/A
HI	330	3.20%	±0.00%	HAWAIIUSA FEDERAL CREDIT UNION 3.25% (−0.25%)
IA	980	3.00%	+0.03%	JPMorgan Chase Bank, National Association 2.25% (+1.75%)
ID	517	3.40%	±0.00%	Columbia Bank 3.40% (+3.35%)
IL	2972	2.25%	+0.08%	JPMorgan Chase Bank, National Association 2.25% (+1.75%)
IN	1582	2.78%	−0.00%	JPMorgan Chase Bank, National Association 2.25% (+1.75%)
KS	868	3.03%	+0.01%	Carson Bank 3.55% (+2.24%)
KY	874	2.79%	−0.10%	SOUTHEAST FINANCIAL CREDIT UNION 2.50% (+2.00%)
LA	939	3.30%	+0.00%	JPMorgan Chase Bank, National Association 2.25% (+1.75%)
MA	1917	3.00%	−0.02%	TD Bank, National Association 0.05% (−1.95%)
MD	1213	3.00%	−0.06%	TD Bank, National Association 0.05% (−1.95%)
ME	629	3.50%	±0.00%	TD Bank, National Association 0.05% (−1.95%)
MI	2724	3.20%	±0.00%	JPMorgan Chase Bank, National Association 2.25% (+1.75%)
MN	1195	3.20%	−0.04%	ACCENTRA CREDIT UNION 0.25% (−3.28%)
MO	1379	3.08%	±0.00%	JPMorgan Chase Bank, National Association 2.25% (+1.75%)
MP	2	0.91%	±0.00%	N/A
MS	517	1.90%	+0.26%	SOUTHEAST FINANCIAL CREDIT UNION 2.50% (+2.00%)
MT	220	3.50%	±0.00%	JPMorgan Chase Bank, National Association 2.25% (+1.75%)
NC	2229	3.00%	±0.00%	TD Bank, National Association 0.05% (−1.95%)
ND	249	3.50%	±0.00%	JPMorgan Chase Bank, National Association 2.25% (+1.75%)
NE	755	3.17%	+0.13%	Enterprise Bank 4.10% (+3.60%)
NH	443	3.00%	±0.00%	TD Bank, National Association 0.05% (−1.95%)
NJ	1967	3.00%	+0.10%	TD Bank, National Association 0.05% (−1.95%)
NM	414	3.15%	+0.01%	STATE EMPLOYEES CREDIT UNION 5.00% (+3.49%)
NV	469	3.05%	±0.00%	Columbia Bank 3.40% (+3.35%)
NY	4087	3.27%	−0.02%	TD Bank, National Association 0.05% (−1.95%)
OH	2780	3.30%	+0.01%	The Pioneer Savings Bank 4.00% (+3.60%)
OK	745	3.40%	±0.00%	JPMorgan Chase Bank, National Association 2.25% (+1.75%)
OR	948	3.00%	±0.00%	Columbia Bank 3.40% (+3.35%)
PA	3283	3.25%	±0.00%	TD Bank, National Association 0.05% (−1.95%)
PR	3	3.00%	±0.00%	N/A
RI	220	2.92%	±0.00%	TD Bank, National Association 0.05% (−1.95%)
SC	1017	3.00%	±0.00%	TD Bank, National Association 0.05% (−1.95%)
SD	281	3.38%	+0.04%	JPMorgan Chase Bank, National Association 2.25% (+1.75%)
TN	1366	3.43%	±0.00%	SOUTHEAST FINANCIAL CREDIT UNION 2.50% (+2.00%)
TX	5147	3.50%	±0.00%	JPMorgan Chase Bank, National Association 2.25% (+1.75%)
UT	891	3.75%	±0.00%	Columbia Bank 3.40% (+3.35%)
VA	1802	2.55%	+0.01%	TD Bank, National Association 0.05% (−1.95%)
VT	283	3.00%	+0.16%	TD Bank, National Association 0.05% (−1.95%)
WA	1623	3.30%	±0.00%	Columbia Bank 3.40% (+3.35%)
WI	1839	2.25%	+0.05%	PyraMax Bank, FSB 4.00% (+3.90%)
WV	312	2.25%	±0.00%	JPMorgan Chase Bank, National Association 2.25% (+1.75%)
WY	163	3.30%	+0.01%	JPMorgan Chase Bank, National Association 2.25% (+1.75%)

CDs by State — 9-Month

State	Branches	Median APY	WoW Δ	Top Mover
AK	91	2.20%	±0.00%	N/A
AL	587	3.45%	±0.00%	ALL IN FEDERAL CREDIT UNION 3.66% (−0.05%)
AR	185	3.45%	±0.00%	N/A
AZ	642	3.05%	±0.00%	MidFirst Bank 4.00% (+0.20%)
CA	3208	3.54%	+0.03%	SEA AIR FEDERAL CREDIT UNION 3.51% (+3.41%)
CO	878	3.42%	±0.00%	MidFirst Bank 4.00% (+0.20%)
CT	413	3.06%	+0.21%	WATERBURY CONNECTICUT TEACHERS FEDERAL CREDIT UNION 3.85% (+0.60%)
DC	108	3.30%	±0.00%	N/A
DE	115	3.30%	±0.00%	N/A
FL	2690	3.51%	+0.01%	Florida Capital Bank, National Association 3.30% (+2.95%)
GA	714	3.45%	+0.03%	ADDITION FINANCIAL CREDIT UNION 3.45% (+0.10%)
GU	3	0.09%	±0.00%	N/A
HI	162	3.55%	±0.00%	N/A
IA	559	3.66%	+0.06%	METCO CREDIT UNION 3.96% (+0.16%)
ID	278	3.30%	±0.00%	The Bank of Commerce 3.75% (−0.25%)
IL	1835	3.30%	+0.05%	State Bank of India 4.58% (+0.31%)
IN	974	3.44%	±0.00%	N/A
KS	398	3.45%	+0.08%	CATHOLIC FAMILY FEDERAL CREDIT UNION 3.75% (+0.50%)
KY	572	3.50%	±0.00%	N/A
LA	574	3.53%	±0.00%	CHEVRON FEDERAL CREDIT UNION 4.00% (+0.25%)
MA	1269	3.40%	±0.00%	Bristol County Savings Bank 3.00% (−0.35%)
MD	710	3.25%	±0.00%	N/A
ME	300	3.50%	±0.00%	LINCOLN MAINE FEDERAL CREDIT UNION 3.977% (−0.16%)
MI	1661	3.50%	+0.05%	PEOPLE DRIVEN CREDIT UNION 4.55% (+0.55%)
MN	490	3.63%	−0.02%	VERIDIAN CREDIT UNION 4.45% (+0.10%)
MO	668	3.45%	±0.00%	The Citizens-Farmers Bank of Cole Camp 4.05% (+0.26%)
MP	1	0.09%	±0.00%	N/A
MS	241	1.38%	±0.00%	CHEVRON FEDERAL CREDIT UNION 4.00% (+0.25%)
MT	98	3.52%	±0.00%	The Bank of Commerce 3.75% (−0.25%)
NC	1151	3.25%	±0.00%	Live Oak Banking Company 4.30% (+0.10%)
ND	96	3.80%	±0.00%	Dakota Community Bank & Trust, National Association 4.02% (+0.20%)
NE	381	2.50%	±0.00%	Cattle Bank and Trust 4.00% (+0.15%)
NH	263	3.50%	+0.05%	ST. MARY'S BANK CREDIT UNION 4.10% (+3.50%)
NJ	1243	3.03%	±0.00%	Apple Bank 3.00% (+1.50%)
NM	181	3.05%	±0.00%	SUNWARD FEDERAL CREDIT UNION 3.95% (+0.20%)
NV	237	3.29%	±0.00%	MidFirst Bank 4.00% (+0.20%)
NY	2394	3.30%	±0.00%	OSWEGO COUNTY FEDERAL CREDIT UNION 4.01% (+1.74%)
OH	1964	3.02%	−0.23%	The St. Henry Bank 0.05% (−3.77%)
OK	308	3.55%	−0.05%	TINKER FEDERAL CREDIT UNION 3.44% (−0.57%)
OR	577	3.15%	±0.00%	Oregon Coast Bank 3.70% (−0.30%)
PA	2142	3.45%	+0.03%	American Bank 4.10% (+0.30%)
PR	2	2.00%	±0.00%	N/A
RI	153	3.38%	−0.05%	Bristol County Savings Bank 3.00% (−0.35%)
SC	535	3.25%	±0.00%	N/A
SD	131	3.60%	±0.00%	Dakota Community Bank & Trust, National Association 4.02% (+0.20%)
TN	809	3.62%	±0.00%	InsBank 4.30% (+0.10%)
TX	2149	3.55%	+0.01%	TINKER FEDERAL CREDIT UNION 3.44% (−0.57%)
UT	468	3.77%	+0.02%	CHEVRON FEDERAL CREDIT UNION 4.00% (+0.25%)
VA	808	3.35%	+0.02%	CHEVRON FEDERAL CREDIT UNION 4.00% (+0.25%)
VT	132	3.04%	±0.00%	N/A
WA	885	3.15%	±0.00%	N/A
WI	1039	3.48%	+0.05%	KOHLER CREDIT UNION 5.00% (+1.10%)
WV	171	2.27%	±0.00%	First Exchange Bank 3.75% (+0.10%)
WY	97	3.61%	+0.11%	SUNLIGHT FEDERAL CREDIT UNION 3.67% (+0.89%)

CDs by State — 12-Month

State	Branches	Median APY	WoW Δ	Top Mover
AK	192	3.52%	+0.02%	Northrim Bank 2.93% (+1.12%)
AL	1156	3.52%	+0.02%	Gulf Coast Bank and Trust Company 4.25% (+0.80%)
AR	580	3.04%	±0.00%	Fidelity Bank 3.90% (+0.45%)
AZ	1138	3.70%	+0.03%	Columbia Bank 2.50% (+2.40%)
CA	5732	3.35%	+0.02%	SEA AIR FEDERAL CREDIT UNION 3.56% (+3.46%)
CO	1356	3.55%	±0.00%	Columbia Bank 2.50% (+2.40%)
CT	948	3.00%	−0.15%	TD Bank, National Association 0.05% (−4.10%)
DC	230	3.70%	−0.05%	TD Bank, National Association 0.05% (−4.10%)
DE	268	3.35%	−0.15%	TD Bank, National Association 0.05% (−4.10%)
FL	4600	3.55%	+0.02%	TD Bank, National Association 0.05% (−4.10%)
GA	1548	3.55%	−0.00%	Magnolia Bank, Incorporated 2.50% (−1.15%)
GU	7	2.90%	±0.00%	N/A
HI	340	3.05%	±0.00%	N/A
IA	993	3.03%	−0.04%	Charter Bank 3.00% (−0.90%)
ID	552	3.55%	+0.00%	Columbia Bank 2.50% (+2.40%)
IL	3057	2.46%	+0.05%	Longview Community Bank 3.91% (+1.16%)
IN	1691	3.04%	−0.01%	Magnolia Bank, Incorporated 2.50% (−1.15%)
KS	876	3.45%	+0.13%	EMPORIA STATE FEDERAL CREDIT UNION 3.75% (+1.75%)
KY	904	3.38%	−0.12%	Magnolia Bank, Incorporated 2.50% (−1.15%)
LA	971	3.65%	+0.01%	Gulf Coast Bank and Trust Company 4.25% (+0.80%)
MA	1860	2.79%	−0.06%	TD Bank, National Association 0.05% (−4.10%)
MD	1274	3.60%	−0.02%	TD Bank, National Association 0.05% (−4.10%)
ME	631	3.50%	±0.00%	TD Bank, National Association 0.05% (−4.10%)
MI	2777	3.45%	±0.00%	Eaton Community Bank 4.00% (+0.80%)
MN	1192	3.29%	+0.04%	Gulf Coast Bank and Trust Company 4.25% (+0.80%)
MO	1315	3.35%	±0.00%	CENTRAL MISSOURI COMMUNITY CREDIT UNION 4.33% (+1.23%)
MP	2	1.50%	±0.00%	N/A
MS	523	2.51%	±0.00%	Gulf Coast Bank and Trust Company 4.25% (+0.80%)
MT	221	3.55%	±0.00%	The Bank of Commerce 4.00% (+0.50%)
NC	2262	3.40%	+0.05%	TD Bank, National Association 0.05% (−4.10%)
ND	266	3.55%	±0.00%	The Goose River Bank 3.53% (+0.51%)
NE	748	3.29%	±0.00%	Enterprise Bank 4.15% (+3.40%)
NH	442	2.65%	−0.35%	TD Bank, National Association 0.05% (−4.10%)
NJ	1974	3.01%	−0.19%	TD Bank, National Association 0.05% (−4.10%)
NM	423	3.38%	+0.10%	STATE EMPLOYEES CREDIT UNION 3.75% (+2.09%)
NV	473	3.30%	±0.00%	Columbia Bank 2.50% (+2.40%)
NY	4069	3.37%	−0.04%	TD Bank, National Association 0.05% (−4.10%)
OH	2878	3.50%	±0.00%	HOPEWELL FEDERAL CREDIT UNION 4.07% (+2.25%)
OK	734	3.54%	+0.03%	ALLEGIANCE FEDERAL CREDIT UNION 2.65% (+1.40%)
OR	986	3.05%	−0.05%	Columbia Bank 2.50% (+2.40%)
PA	3390	3.25%	−0.01%	TD Bank, National Association 0.05% (−4.10%)
PR	3	4.17%	±0.00%	N/A
RI	225	2.85%	−0.19%	TD Bank, National Association 0.05% (−4.10%)
SC	1082	3.45%	+0.05%	TD Bank, National Association 0.05% (−4.10%)
SD	289	3.52%	+0.05%	BLUESTONE FEDERAL CREDIT UNION 3.56% (+0.26%)
TN	1348	3.40%	−0.03%	Gulf Coast Bank and Trust Company 4.25% (+0.80%)
TX	5346	3.56%	+0.01%	UNIVERSITY FEDERAL CREDIT UNION 0.25% (−3.25%)
UT	920	3.85%	+0.03%	Columbia Bank 2.50% (+2.40%)
VA	1928	3.35%	+0.07%	TD Bank, National Association 0.05% (−4.10%)
VT	278	2.53%	−0.11%	TD Bank, National Association 0.05% (−4.10%)
WA	1750	3.50%	±0.00%	PROGRESSIONS CREDIT UNION 4.50% (+3.50%)
WI	1856	2.89%	+0.01%	CO-OP CREDIT UNION 4.35% (+0.50%)
WV	334	2.95%	±0.00%	First Exchange Bank 3.85% (+0.10%)
WY	163	3.50%	+0.01%	SUNLIGHT FEDERAL CREDIT UNION 3.67% (+0.63%)

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 October 18, 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 October 18, 2026

Key stats

Executive Summary

CD Summary Statistics by Deposit Tier

3-Month CDs

6-Month CDs

9-Month CDs

12-Month CDs

CDs by State

Biggest Movers

CDs by State — 3-Month

CDs by State — 6-Month

CDs by State — 9-Month

CDs by State — 12-Month

Daily competitive intelligence for deposit pricing