Best Nationally Available CD Rates, January 21, 2026
Deposit Diary Daily #614
What’s Happening
If you’re wondering where the Brokered CD Rates Summary is, I am traveling on Wednesday and will not be able gather the most current brokered CD rates. I have switched the CD Rates Summary with the Brokered CD Rates Summary.
ValorFI Heroes
In case you missed Monday’s post, ValorFI Heroes is currently offering two competitive CDs:
6-month CD, 4.50% APY, $500 minimum
12-month CD, 4.25% APY, $500 minimum
ValorFI Heroes is a digital banking platform launched by Washington-based Gesa Credit Union nearly a year ago.
Highest-Rate Nationally Available CDs
The highest-rate nationally available CDs from a bank and a credit union as of January 21, 2026 are listed below. With the exception of the ValorFI Heroes 6-month CD, the rate leaders have not changed from last week.
5-9 Month CDs
Climate First Bank • 4.27% ($500) • 6-month Penalty Free CD
ValorFI Heroes • 4.50% ($500 min) • 6-month CD (not available in CA, ID, IL, OR, WA)
1-Year CDs
America’s Christian Credit Union • 4.50% ($5k) • 10-month New Money Term Share Certificate
State Bank of India (NY) • 4.16% ($25k) • 12 months to less than 2 years Senior Citizen Certificate of Deposit
18-month CDs
Achieva Credit Union • 4.25% (700) • 19-month CD
State Bank of India (NY) • 4.16% ($25k) • 12 months to less than 2 years Senior Citizen Certificate of Deposit
2-Year CDs
Mountain America Credit Union • 4.20% ($500) • 24-month Standard Certificate
United Fidelity Bank • 4.10% • 24-month CD Term
3-Year CDs
United Fidelity Bank • 4.10% ($1k) • 36-month CD Term
Mountain America Credit Union • 4.05% ($500) • 36-month Standard Certificate
4-Year CDs
United Fidelity Bank • 4.10% ($1k) • 48-month CD Term
NASA Federal Credit Union • 4.05% ($10k) • 49-months Share Certificate
5-Year CDs
Clearpath Federal Credit Union • 4.25% ($5k) • 60-month New Money Flex Promo CD
United Fidelity Bank • 4.15% ($1k) • 60-month CD Term
Over 5-Year CDs
KS StateBank • 4.00% ($500) • 7-year CD
Credit Human • 3.80% ($500) • 60-83 month Share Certificate
Recent Additions, Rate Changes and Removals
Newly Added
ValorFI Heroes • 6-month CD (not available in CA, ID, IL, OR, WA) • 4.50% ($500)
ValorFI Heroes • 12-month CD (not available in CA, ID, IL, OR, WA) • 4.25% ($500)
Marcus by Goldman Sachs • 12-months High Yield CD • 4.00% ($500)
Rate Decrease
Sallie Mae Bank • 15-months CD • 4.00% (▼20 bps) ($2.5k)
Removal, Rate Decrease
Sallie Mae Bank • 11-months CD • 3.75% (▼35 bps) ($2.5k)
Removal, Uncompetitive Rate
Genisys Credit Union • 7-months Certificate Special • 4.06% ($500)
Spreadsheet
The attached spreadsheet shows the current top ten nationally available CDs (at least five from banks/five from credit unions) in eight different term lengths. The links go directly to each financial institution’s rate page or product landing page.
The spreadsheet also lists the two CDs that were removed from the Summary because of a rate decrease (1) or an uncompetitive rate (1).
