Current CD Rates
Today's CD APY from credit unions across the United States, re-verified daily and ranked by true cost — never affiliate revenue.
Developers & AI agents: this data is available as JSON at POST https://api.rateapi.dev/v1/deposit-rates — free API key in one request (POST https://api.rateapi.dev/keys, email only). MCP server: rateapi.dev/mcp.
The median credit union cd yield is 3.27% APY as of August 20, 2026, across 621 credit unions. The best available yield is 6.75% APY from USF Federal Credit Union.
Rate Overview
CD Rate Summary
Median and best APY across 621 credit unions, verified August 20, 2026
| Product | Median APY | Best APY | Best Institution | Institutions |
|---|---|---|---|---|
| CD | 3.27% | 6.75% | USF Federal Credit Union | 621 |
Source: RateAPI credit union benchmarks, measured August 20, 2026. APY reflects generic (non-promotional) tiers.
Explore
Go Deeper
- Browse CD Rates by state → — per-state CD coverage and lender detail.
- RateAPI Credit Union Rate Index → — the dated national median for every major product in one place.
- Methodology → — how RateAPI collects, normalizes, and verifies rate data.
FAQ
Frequently Asked Questions
Current CD Rates — FAQ
As of August 20, 2026, the median credit union cd yield is 3.27% APY across 621 credit unions. The best available yield is 6.75% APY from USF Federal Credit Union.
RateAPI re-verifies CD rate sheets from credit unions daily. Every figure on this page is dated to the exact timestamp of the data it was computed from.
Credit unions are member-owned, not-for-profit institutions that return earnings to members through higher deposit yields. RateAPI ranks every option by true cost — never by who pays for placement.
Yes. The same data is available from the RateAPI benchmarks REST endpoint (GET /v1/benchmarks) and the RateAPI MCP server for AI agents. A free tier is available with an email-verified API key.
Get CD Rate Data via API
Access current CD rates from credit unions programmatically. Free tier available. Zero affiliate bias.