Best Nationally Available CDs, May 28, 2026
Deposit Diary Daily #744
What’s Happening
For the fifth week in a row, Merrick Bank has upped the rates on all its CDs, with increases between 3-10 bps.
Toyota Financial Savings Bank increased the rates on its 18-month (▲15 bps), 36-month (▲16 bps), and 60-month (▲21 bps) CDs.
Rate Changes
Newly Added
Park City Credit Union • 6-month Special Share Certificate • 5.00% ($5k min/$15k max)
Popular Direct • 12-months CD • 4.11% (▲6 bps) ($10k)
Toyota Financial Savings Bank • 18-month CD • 4.11% (▲15 bps) ($1)
Blaze Credit Union • 48-months Jumbo / Premium Certificate • 4.10% (▲10 bps)($100k) / 3.90% (▲10 bps) ($10k)
Bread Savings • 4-year CD • 4.00% (▲15 bps) ($1.5k)
Blaze Credit Union • 60-months Jumbo / Premium Certificate • 4.10% (▲10 bps)($100k) / 3.80% (▲10 bps) ($10k)
Increases
State Bank of India (NY) • 12 months to less than 2 years Senior Citizen Certificate of Deposit (60+ years) • 4.27% (▲11 bps) ($25k)
Merrick Bank • 18-month CD • 4.16% (▲6 bps) ($25k)
State Bank of India (NY) • 2 years to less than 2 years Senior Citizen Certificate of Deposit (60+ years) • 4.27% (▲11 bps) ($25k)
Merrick Bank • 24-month CD • 4.18% (▲3 bps) ($25k)
Toyota Financial Savings Bank • 36-month CD • 4.22% (▲16 bps) ($25k)
Merrick Bank • 36-month CD • 4.18% (▲3 bps) ($25k)
Merrick Bank • 48-month CD • 4.25% (▲10 bps) ($25k)
CoVantage Credit Union • 48-month Certificate • 4.15% (▲15 bps) ($1k)
Toyota Financial Savings Bank • 60-month CD • 4.32% (▲21 bps) ($25k)
Merrick Bank • 60-month CD • 4.25% (▲10 bps) ($25k)
First National Bank of America • 120-months Time Certificate of Deposit • 4.30% (▲10 bps) ($1k)
Sun Federal Credit Union • 84-month Raise Up Share Certificate • 4.15% (▲15 bps) ($1k)
Michigan State University Federal Credit Union • 7-year Jumbo Certificate / Certificate • 3.95% (▲10 bps) ($100k) / 3.80% (▲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 28, 2026 are listed below. (Asterisks denote new rate leaders.)
4-9 Month CDs Limited Deposit
Financial Partners Credit Union • 6.00% ($1k min/$5k max) • 8-month New Member CD Special
Park City Credit Union • 5.00% ($5k min/$15k max) • 6-month Special Share Certificate
4-9 Month CDs
Signature Federal Credit Union • 4.50% ($500) • 9-month Share Certificate
*OMB* • 4.25% (▲20 bps) ($1k) • 5-month 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) • 4.27% (▲11 bps) • 12 months to less than 2 years Senior Citizen Certificate of Deposit
18-month CDs
Connexus Credit Union • 4.30% ($5k new money) • 17-month Special Certificate
State Bank of India (NY) • 4.27% (▲11 bps) ($25k) • 12 months to less than 2 years Senior Citizen Certificate of Deposit
2-Year CDs
Genisys Credit Union • 4.30% ($500) • 25-month Certificate Special
*State Bank of India (NY)* • 4.27% (▲11 bps) ($25k) • 2 years to less than 3 years Senior Citizen Certificate of Deposit (60+ years)
3-Year CDs
*Toyota Financial Savings Bank* • 4.22% (▲16 bps) ($1) • 36-month CD
Skyla Credit Union • 4.15% ($250k) / 4.00% ($50k) / 3.90% ($500) • 3-year Elite Jumbo / Jumbo / Regular Certificate
4-Year CDs
Merrick Bank • 4.25% (▲10 bps) ($25k) • 48-month CD
NASA Federal Credit Union • 4.20% ($10k) • 49-month Certificate
5-Year CDs
Advancial • 4.34% ($50k) / 4.24% ($25k) / 4.14% • 5-years Jumbo Certificate /Junior Jumbo Certificate / Regular Certificate
*Toyota Financial Savings Bank* • 4.32% (▲21 bps) ($1) • 60-month CD
Over 5-Year CDs
First National Bank of America • 4.30% (▲10 bps) ($1k) • 120-months Time Certificate of Deposit
Blaze Credit Union • 4.20% ($100k) / 4.00% ($10k) • 72-months Jumbo / Premium 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
Uncompetitive Rate
E*TRADE from Morgan Stanley • 9-months CD • 4.10% (no min)
State Bank of India (IL) • 12 months to less than 2 years Certificate of Deposit • 4.07% ($2.5k)
United Fidelity Bank • 18-month CD Term • 4.10% ($1k)
State Bank of India (IL) • 4 years to less than 5 years Certificate of Deposit • 3.92% ($2.5k)
Spreadsheet
The attached spreadsheet shows the current top nationally available CDs (at least five from banks and 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 four CDs removed from the Summary because of uncompetitive rates.
