Best Nationally Available CDs, May 7, 2026

Deposit Diary Daily #722

What’s Happening

NASA Federal Credit Union began the month by substantially raising the rates on most of its Share Certificates with increases between 30-35 bps. There hasn’t been a NASA FCU Share Certificate in the Deposit Quest CD Summary since early February; now there are five.

Rate Changes

Newly Added

• Pen Air Credit Union • 7-month Certificate • 4.17% ($500)

• CoVantage Credit Union • 10-month Certificate • 4.15% (▲15 bps) ($1k)

• NASA Federal Credit Union • 15-months Share Certificate • 4.15% (▲30 bps) ($10k)

• USALLIANCE • 24-month Special Rate Certificate • 4.05% (▲10 bps) ($500)

• Merrick Bank • 24-month CD • 4.05% (▲10 bps) ($25k)

• American Express Bank • 22-month CD • 4.00% (no min)

• NASA Federal Credit Union • 36-months Share Certificate • 4.05% (▲35 bps) ($1k)

• NASA Federal Credit Union • 49-months Share Certificate • 4.20% (▲30 bps) ($10k)

• NASA Federal Credit Union • 48-months Share Certificate • 4.10% (▲35 bps) ($1k)

• NASA Federal Credit Union • 60-months Share Certificate • 4.18% (▲35 bps) ($10k)

Increases

• Merrick Bank • 36-month CD • 4.05% (▲5 bps) ($25k)

• CoVantage Credit Union • 48-month Certificate • 4.26% (▲26 bps) ($1k)

• Merrick Bank • 48-month CD • 4.05% (▲5 bps) ($25k)

• Merrick Bank • 60-month CD • 4.10% (▲5 bps) ($25k)

• First National Bank of America • 84-months Time Certificate of Deposit • 4.10% (▲10 bps) ($1k)

• Michigan State University Federal Credit Union • 7-year Jumbo Certificate / Certificate • 3.85% (▲10 bps) ($100k) / 3.70% (▲10 bps) ($2.5k)

Highest-Rate Nationally Available CDs

The highest-rate nationally available CDs from a bank and a credit union as of May 7, 2026 are listed below. The 18-month, 4-year, and 5-year categories have new credit union rate leaders.

4-9 Month CDs

• ValorFI Heroes • 4.50% ($500) • 6-month CD (not available in CA, ID, IL, OR, WA)

• Pacific National Bank • 4.20% ($1k) • 9-month Online CD Special

1-Year CDs

• GECU • 4.33% ($50k) / 4.23% ($50) • 12-month Senior Privilege Jumbo / Fixed-Rate Certificate

• State Bank of India (NY) • 4.16% ($25k) • 12 months to less than 2 years Senior Citizen Certificate of Deposit

18-month CDs

• CreditOne Bank N.A. • 4.25% ($100k) • 15-months Jumbo CD

• NASA Federal Credit Union • 4.15% (▲30 bps) ($10k) • 15-months Share Certificate

2-Year CDs

• Mountain America Credit Union • 4.20% ($500) • 24-month Standard Certificate

• BTG Pactual Bank, N.A. • 4.16% ($500) • 24-month Certificate of Deposit

3-Year CDs

• Skyla Credit Union • 4.15% ($250k) / 4.00% ($50k) / 3.90% ($500) • 3-year Elite Jumbo / Jumbo / Regular Certificate

• BTG Pactual Bank, N.A. • 4.13% ($500) • 36-month Certificate of Deposit

4-Year CDs

• CoVantage Credit Union • 4.26% (▲26 bps) ($1k) • 48-month Certificate

• BTG Pactual Bank, N.A. • 4.13% ($500) • 48-month Certificate of Deposit

5-Year CDs

• Advancial • 4.34% ($50k) / 4.24% ($25k) / 4.14% • 5-years Jumbo Certificate /Junior Jumbo Certificate / Regular Certificate

• BTG Pactual Bank, N.A. • 4.15% ($500) • 60-month Certificate of Deposit

Over 5-Year CDs

• First National Bank of America • 4.10% (▲10 bps) ($1k) • 84-months Time Certificate of Deposit

• Michigan State University Federal Credit Union • 3.85% (▲10 bps) ($100k) / 3.70% (▲10 bps) ($2.5k )• 7-year Jumbo Certificate / Certificate

Deposit Quest Substack tracks CD, Money Market, and Savings Account rates so you don’t have to. If my work is helpful, you can support it here.

Removals

No Longer Available

• Langley Federal Credit Union • 14-month New Member Promotional Certificate • 4.11% ($500)

Rate Drop

• Pen Air Credit Union • 6-month Certificate • 2.20% (▼190 bps) ($500)

• Hope Credit Union • 60-month Jumbo CD • 3.88% (▼21 bps) ($95k)

Uncompetitive Rate

• AmeriCU • 18-month Share Certificate Special • 4.00% ($500)

• XCEL Federal Credit Union • 18-months CD Special • 4.00% ($500 new money)

• Coastal Credit Union • 27-month Jumbo Certificate • 4.00% ($100k)

• Ponce Bank Direct • 24-month CD Promotion • 4.00% ($1k)

• Utah First Federal Credit Union • 36-month CD • 3.95% ($2k)

• USALLIANCE • 48-month Certificate • 3.95% ($500)

• Utah First Federal Credit Union • 48-month CD • 3.95% ($2k)

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 ten CDs removed from the Summary because of availability (1), a rate drop (2) or an uncompetitive rate (7).

Dq Cd Rate Summary 7 May 2026

18.9KB ∙ XLSX file

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