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CD rates

National Average CD Rates: October 2026

FDIC national average deposit rates published Oct 19, 2026: 12-month CD 1.76%.

Photo: Carol M. Highsmith / Library of Congress (public domain)

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FDIC national average deposit rates published Oct 19, 2026: 12-month CD 1.76% (+0.03 percentage points from September 2026), savings 0.38%, and money market 0.63%.

The full table covers savings, interest checking, money market, and CDs from 1 to 60 months, with the national rate cap.

FDIC national averages, not offers.

FDIC national average deposit rates, October 2026FDIC national average rates published Oct 19, 2026: Savings 0.38%; Interest Checking 0.07%; Money Market 0.63%; 1 month CD 0.23%; 3 month CD 1.14%; 6 month CD 1.39%; 12 month CD 1.76%; 24 month CD 1.55%; 36 month CD 1.39%; 48 month CD 1.31%; 60 month CD 1.41%.Savings0.38%Interest Checking0.07%Money Market0.63%1 month CD0.23%3 month CD1.14%6 month CD1.39%12 month CD1.76%24 month CD1.55%36 month CD1.39%48 month CD1.31%60 month CD1.41%FDIC national average deposit rates, October 2026FDIC national average rates published Oct 19, 2026: Savings 0.38%; Interest Checking 0.07%; Money Market 0.63%; 1 month CD 0.23%; 3 month CD 1.14%; 6 month CD 1.39%; 12 month CD 1.76%; 24 month CD 1.55%; 36 month CD 1.39%; 48 month CD 1.31%; 60 month CD 1.41%.Savings0.38%Interest Checking0.07%Money Market0.63%1 month CD0.23%3 month CD1.14%6 month CD1.39%12 month CD1.76%24 month CD1.55%36 month CD1.39%48 month CD1.31%60 month CD1.41%
National averages computed by the FDIC (not offers from any institution), published Oct 19, 2026. Source: FDIC National Rates and Rate Caps.

Next column: affiliate link to Stock Rover plans, a research tool for comparing income investments. We may earn a commission. How we get paid. Educational only, not investment advice.

ProductNational ratePrior (September 2026)ChangeNational rate capNext
Savings0.38%0.37%+0.014.63%Compare Stock Rover plans
Interest Checking0.07%0.07%0.004.63%Compare Stock Rover plans
Money Market0.63%0.63%0.004.63%Compare Stock Rover plans
1 month CD0.23%0.23%0.005.57%Compare Stock Rover plans
3 month CD1.14%1.13%+0.015.79%Compare Stock Rover plans
6 month CD1.39%1.41%−0.025.95%Compare Stock Rover plans
12 month CD1.76%1.73%+0.036.20%Compare Stock Rover plans
24 month CD1.55%1.61%−0.066.61%Compare Stock Rover plans
36 month CD1.39%1.36%+0.036.75%Compare Stock Rover plans
48 month CD1.31%1.28%+0.036.75%Compare Stock Rover plans
60 month CD1.41%1.38%+0.036.86%Compare Stock Rover plans

Rates as of Oct 19, 2026. Source: FDIC, National Rates and Rate Caps, Oct 19, 2026, retrieved Nov 10, 2026. National rates are deposit-weighted averages across insured institutions and credit unions computed by the FDIC; savings and interest checking use the $2,500 tier, money market and CDs average the $10,000 and $100,000 tiers. They are averages, not offers from any institution. Change is in percentage points. The rate cap applies to banks that are less than well capitalized.

Latest national CD and savings rates · Compare a CD with a T-bill after tax

FDIC national averages, not offers. Educational, not investment advice.