14 CDs, 6 IRA CDsChecked Oct 10, 2026Updated
Mountain America CD rates
4.60%APY for 2 years, its best · as of Oct 10, 2026
- 6 months
- 4.00%#34 of 142 on our list
- 1 year
- 4.15%Youth Certificate
- 18 months
- 4.15%#88 of 91 on our list
- 2 years
- 4.60%Youth Certificate
- 30 months
- 4.35%Growth Certificate
- 3 years
- 4.50%Youth Certificate
- 4 years
- 4.55%Youth Certificate
- 5 years
- 4.60%Youth Certificate
Visit Mountain AmericaPlaces are among the CDs we track for that term, on $10,000. IRA CDs aren’t counted in the best rates.
12-Month Certificate Special — Growth Certificate
| Term | APY | On our list |
|---|---|---|
| 1 year | 4.05% | #143 of 154 |
Source: the bank’s page · checked Oct 10, 2026
12-Month Certificate Special — Standard Certificate
| Term | APY | On our list |
|---|---|---|
| 1 year | 4.05% | #48 of 154 |
Source: the bank’s page · checked Oct 10, 2026
12-Month Standard Certificate
| Term | APY | On our list |
|---|---|---|
| 1 year | 4.05% | #47 of 154 |
Source: the bank’s page · checked Oct 10, 2026
18-Month Growth Certificate Special
| Term | APY | On our list |
|---|---|---|
| 18 months | 4.15% | #88 of 91 |
Source: the bank’s page · checked Oct 10, 2026
18-Month Standard Certificate
| Term | APY | On our list |
|---|---|---|
| 18 months | 4.15% | #26 of 91 |
Source: the bank’s page · checked Oct 10, 2026
18-Month Standard Certificate Special
| Term | APY | On our list |
|---|---|---|
| 18 months | 4.15% | #25 of 91 |
Source: the bank’s page · checked Oct 10, 2026
24-Month Certificate
| Term | APY | On our list |
|---|---|---|
| 2 years | 4.50% | #10 of 113 |
Source: the bank’s page · checked Oct 10, 2026
24-Month Standard Certificate
| Term | APY | On our list |
|---|---|---|
| 2 years | 4.50% | #11 of 113 |
Source: the bank’s page · checked Oct 10, 2026
6-Month Standard Certificate
| Term | APY | On our list |
|---|---|---|
| 6 months | 4.00% | #34 of 142 |
Source: the bank’s page · checked Oct 10, 2026
60-Month Certificate Special
| Term | APY | On our list |
|---|---|---|
| 5 years | 4.50% | #12 of 73 |
Source: the bank’s page · checked Oct 10, 2026
Bump Certificate
| Term | APY | On our list |
|---|---|---|
| 6 months | 3.75% | #60 of 142 |
| 1 year | 3.80% | #71 of 154 |
| 18 months | 3.90% | #35 of 91 |
| 2 years | 4.25% | #33 of 113 |
| 30 months | 4.10% | – |
| 3 years | 4.15% | #15 of 74 |
| 4 years | 4.20% | – |
| 5 years | 4.25% | #20 of 73 |
Source: the bank’s page · checked Oct 10, 2026
- Minimum to open
- $500Source · checked Oct 10, 2026
- Early withdrawal penalty
- Early withdrawal penalties apply as stated in the Membership Agreement.Source · checked Oct 10, 2026
- Interest compounds
- Dividends may be credited to the certificate account monthly, becoming part of the principal balance.Source · checked Oct 10, 2026
- Membership
- Membership required:Source · checked Oct 10, 2026
Growth Certificate
| Term | APY | On our list |
|---|---|---|
| 6 months | 4.00% | #130 of 142 |
| 1 year | 4.05% | #140 of 154 |
| 18 months | 4.15% | #85 of 91 |
| 2 years | 4.50% | #106 of 113 |
| 30 months | 4.35% | – |
| 3 years | 4.40% | #71 of 74 |
| 4 years | 4.45% | – |
| 5 years | 4.50% | #70 of 73 |
Source: the bank’s page · checked Oct 10, 2026
- Minimum to open
- $5Source · checked Oct 10, 2026
- Early withdrawal penalty
- Early withdrawal penalties apply as stated in the Membership Agreement.Source · checked Oct 10, 2026
- Interest compounds
- Dividends may be credited to the certificate account monthly, becoming part of the principal balance.Source · checked Oct 10, 2026
- Membership
- Membership required:Source · checked Oct 10, 2026
Standard Certificate
| Term | APY | On our list |
|---|---|---|
| 6 months | 4.00% | #32 of 142 |
| 1 year | 4.05% | #46 of 154 |
| 18 months | 4.15% | #27 of 91 |
| 2 years | 4.50% | #12 of 113 |
| 30 months | 4.35% | – |
| 3 years | 4.40% | #11 of 74 |
| 4 years | 4.45% | – |
| 5 years | 4.50% | #11 of 73 |
Source: the bank’s page · checked Oct 10, 2026
- Minimum to open
- $500Source · checked Oct 10, 2026
- Early withdrawal penalty
- Early withdrawal penalties apply as stated in the Membership Agreement.Source · checked Oct 10, 2026
- Interest compounds
- Dividends may be credited to the certificate account monthly, becoming part of the principal balance.Source · checked Oct 10, 2026
- Membership
- Membership required:Source · checked Oct 10, 2026
Youth Certificate
| Term | APY | On our list |
|---|---|---|
| 1 year | 4.15% | – |
| 2 years | 4.60% | – |
| 3 years | 4.50% | – |
| 4 years | 4.55% | – |
| 5 years | 4.60% | – |
Source: the bank’s page · checked Oct 10, 2026
- Minimum to open
- $5Source · checked Oct 10, 2026
- Early withdrawal penalty
- Early withdrawal penalties apply as stated in the Membership Agreement.Source · checked Oct 10, 2026
- Interest compounds
- Dividends may be credited to the certificate account monthly, becoming part of the principal balance.Source · checked Oct 10, 2026
- Membership
- Membership required:Source · checked Oct 10, 2026
12-Month Certificate Special — IRA Certificate IRA
| Term | APY | On our list |
|---|---|---|
| 1 year | 4.05% | – |
Source: the bank’s page · checked Oct 10, 2026
12-Month Certificate Special — Roth IRA Certificate IRA
| Term | APY | On our list |
|---|---|---|
| 1 year | 4.05% | – |
Source: the bank’s page · checked Oct 10, 2026
18-Month IRA Certificate Special IRA
| Term | APY | On our list |
|---|---|---|
| 18 months | 4.15% | – |
Source: the bank’s page · checked Oct 10, 2026
18-Month Roth IRA Certificate Special IRA
| Term | APY | On our list |
|---|---|---|
| 18 months | 4.15% | – |
Source: the bank’s page · checked Oct 10, 2026
IRA Bump Certificate IRA
| Term | APY | On our list |
|---|---|---|
| 6 months | 3.75% | – |
| 1 year | 3.80% | – |
| 18 months | 3.90% | – |
| 2 years | 4.25% | – |
| 30 months | 4.10% | – |
| 3 years | 4.15% | – |
| 4 years | 4.20% | – |
| 5 years | 4.25% | – |
Source: the bank’s page · checked Oct 10, 2026
- Minimum to open
- $500Source · checked Oct 10, 2026
- Early withdrawal penalty
- Early withdrawal penalties apply as stated in the Membership Agreement.Source · checked Oct 10, 2026
- Interest compounds
- Dividends may be credited to the certificate account monthly, becoming part of the principal balance.Source · checked Oct 10, 2026
- Membership
- Membership required:Source · checked Oct 10, 2026
IRA Certificate IRA
| Term | APY | On our list |
|---|---|---|
| 6 months | 4.00% | – |
| 1 year | 4.05% | – |
| 18 months | 4.15% | – |
| 2 years | 4.50% | – |
| 30 months | 4.35% | – |
| 3 years | 4.40% | – |
| 4 years | 4.45% | – |
| 5 years | 4.50% | – |
Source: the bank’s page · checked Oct 10, 2026
- Minimum to open
- $500Source · checked Oct 10, 2026
- Early withdrawal penalty
- Early withdrawal penalties apply as stated in the Membership Agreement.Source · checked Oct 10, 2026
- Interest compounds
- Dividends may be credited to the certificate account monthly, becoming part of the principal balance.Source · checked Oct 10, 2026
- Membership
- Membership required:Source · checked Oct 10, 2026
CD rates change often; the bank’s own page is the final word. Best CD rates by term · CD calculator · Report a mistake