Best Nationally Available CD Rates, January 1, 2026
Deposit Diary Daily #592
What’s Happening
The Clearpath Federal Credit Union limited-time 60-month New Money Flex Promo CD (4.25 APY, $5k min, penalty-free closure after 12 months) is now listed on the Clearpath FCU website.
And in other news …
Highest-Rate Nationally Available CDs
The highest-rate nationally available CDs from a bank and a credit union as of January 1, 2026 are listed below.
Following across-the-board rate decreases of ▼26 bps by GTE Financial, the credit union rate leaders for 3-, 4-, and 5-year CDs have changed.
5-9 Month CDs
Coastal Credit Union • 4.35% ($250) • 6-month Certificate
Climate First Bank • 4.27% ($500) • 6-month Penalty Free CD
1-Year CDs
America’s Christian Credit Union • 4.50% ($5k) • 10-month New Money Term Share Certificate
State Bank of India (NY) • 4.27% ($25k) • 12 months to less than 2 years Senior Citizen Certificate of Deposit
18-month CDs
State Bank of India (NY) • 4.27% ($25k) • 12 months to less than 2 years Senior Citizen Certificate of Deposit
Coastal Credit Union • 4.20% ($100k) • 27-month Jumbo Certificate
2-Year CDs
Coastal Credit Union • 4.25% ($100k) • 27-month Jumbo Certificate
United Fidelity Bank • 4.10% (▼5 bps) • 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% (▼10 bps) • 60-83 month Share Certificate
Recent Additions, Rate Changes and Removals
Newly Added
Northern Bank Direct • 6-month Certificate • 4.15% ($100)
T Bank • 6-month Digital Online CD • 4.10% ($25k)
Sallie Mae Bank • 11-months CD • 4.10% ($2.5k)
AmeriCU • 18-month Share Certificate Special • 4.00% ($500)
Sallie Mae Bank • 36-months CD • 3.95% ($2.5k)
Sallie Mae Bank • 30-months CD • 3.90% ($2.5k)
CoVantage Credit Union • 48-month Certificate • 4.00% ($1k)
Rate Decrease
United Fidelity Bank • 6-month CD Term • 4.20% (▼5 bps) ($1k)
United Fidelity Bank • 10-month CD Term • 4.15% (▼5 bps) ($1k)
Limelight Bank • 12-month CD • 4.00% (▼5 bps) ($500)
United Fidelity Bank • 24-month CD Term • 4.10% (▼5 bps) ($1k)
GTE Financial • 36-months Jumbo / Share Certificate • 3.87% (▼26 bps) ($100k) / 3.61% (▼26 bps) ($500)
GTE Financial • 60-months Jumbo / Share Certificate • 4.07% (▼26 bps) ($100k) / 3.82% (▼26 bps) ($500)
Credit Human • 60-83 month Share Certificate • 3.80% (▼10 bps) ($500)
Removal, Rate Decrease
MutualOne Bank • 6-month CD • 4.07% (▼26 bps) ($500)
MutualOne Bank • 9-month CD • 3.07% (▼26 bps) ($500)
USALLIANCE • 12-month Special Rate Certificate • 3.95% (▼23 bps) ($500)
USALLIANCE • 18-month Special Rate Certificate • 3.95% (▼20 bps) ($500)
GTE Financial • 48-months Jumbo / Share Certificate • 3.92% (▼26 bps) ($100k) / 3.66% (▼26 bps) ($500)
Removal, Uncompetitive Rate
Live Oak Bank • 1-year CD • 4.00% ($2.5k)
KS StateBank • 3-year CD • 3.80% ($500)
Prime Alliance Bank • 36-month Certificate of Deposit • 3.80% ($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 eight CDs that were removed from the Summary because of rate decrease (5) or uncompetitive rate (3).
