Best Nationally Available CDs, August 27, 2026

State Bank of India (NY) and State Bank of India (IL) continue their domination of the 1-year, 18-month, and 2-year CD categories.

There were only six rate changes this week, which is not surprising for the end of the month. I am curious about this week’s 15 bps rate drop on the Bread Financial 9- and 18-month CDs. Bread Financial was late to the rising rates party in August, adding 15 bps to the 9-month only last week and a significant 70 bps to the 18-month two weeks ago. You can drive yourself crazy trying to figure out the “why” of seemingly isolated CD rate changes, but sometimes I do.

• Sallie Mae Bank • 24-month CD • 4.35% (▲20 bps) ($2.5k)

• btgpactual • 48-month Certificate of Deposit • 4.40% ($500)

• btgpactual • 60-month Certificate of Deposit • 4.40% ($500)

• Sallie Mae Bank • 36-month CD • 4.40% (▲5 bps) ($2.5k)

• Sallie Mae Bank • 60-month CD • 4.40% (▲5 bps) ($2.5k)

• Tower Federal Credit Union • 5-year Mini Jumbo Share Certificate • 4.40% (▲10 bps) ($20k)

• Bread Financial • 9-month CD • 4.25% (▼15 bps) ($1.5k)

• Bread Financial • 18-month CD • 4.35% (▼15 bps) ($1.5k)

The highest-rate nationally available CDs from a bank and a credit union (as of August 27, 2026) are listed below (★ denotes a new rate leader).

• NuVision Credit Union • 5.00% ($1k min/$5k max new money) • 4-month

  Certificate

• ValorFI Heroes • 4.50% ($500) • 6-month CD

• ★DR Bank★ • 4.30% ($500) • 6-month Digital CD

• State Bank of India (NY) • 4.63% ($25k) •12 months to less than 2 years Senior Citizen Certificate of Deposit

• Wings Credit Union • 4.50% ($500) • 14-month Certificate Special

• State Bank of India (NY) • 4.63% ($25k) • 12 months to less than 2 years Senior Citizen Certificate of Deposit

• Northwest Federal Credit Union • 4.50% ($1k new money) • 15-month Certificate

• State Bank of India (NY) • 4.63% ($25k) • 2 years to less than 3 years Senior Citizen Certificate of Deposit (60+ years)

• Tower Federal Credit Union • 4.50% ($500) • 2-year Regular Share Certificate

• Popular Direct • 4.50% ($10k) • 36-month Popular Direct CD

• Hope Credit Union • 4.45% ($95k) • 36-month Jumbo Share Certificate

• Popular Direct • 4.50% ($10k) • 48-month Popular Direct CD

• NASA Federal Credit Union • 4.40% ($10k) • 49-months Share Certificate

• Popular Direct • 4.50% ($10k) • 60-month Popular Direct CD

• Hope Credit Union • 4.50% ($95k) • 60-month Jumbo Share Certificate

• Blaze Credit Union • 4.50% ($100k) / 4.30% ($10k) • 72-months Jumbo / Premium Certificate

• First National Bank of America • 4.40% ($1k) • 120-months Time Certificate of Deposit

• E*TRADE from Morgan Stanley • 12-months CD • 4.15% (▼20 bps) (no min)

• Merrick Bank • 36-month CD • 4.25% (▼15 bps) ($25k)

• United Fidelity Bank • 6-month CD Term • 4.20% ($1k)

• Merrick Bank • 48-month CD • 4.25% ($25k)

• State Bank of India (NY) • 5 years Senior Citizen Certificate of Deposit (60+ years) • 4.32% ($25k)

The attached spreadsheet shows the current top nationally available CDs (at least five from banks and at least five from credit unions) in eight different term lengths. The links go directly to each financial institution’s rate page or product landing page.