Bank · FDIC insured
Monroe Federal CD Rates
Monroe Federal’s best CD rate is 4.10% APY on a 3-year CD. Terms run from 3 months to 7 years. Rates checked October 16, 2026.
How Monroe Federal’s CD rates compare
Compared with banks and credit unions near Dayton, OH, where Monroe Federal has the most branches. $10,000, best rate first.
This bank’s best
Monroe Federal
4.10%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,281
Certificate of Deposit
Top rate
Bridge Credit Union
4.40%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $553
2nd-highest rate
Treadwell Credit Union
4.30%APY
- Term
- 18 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $652
Monroe Federal CD score
85
CD score
Higher than 71% of U.S. banks and credit unions
- 3–8 months3–8 mo1.50%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.90%
- 31–60 months31–60 mo4.10%
- QualifiedQualified4.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Monroe Federal ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.10%APY · 9 terms
Substantial penalty for early withdrawal on all certificate of deposits. Fees may reduce account earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.00% | $25 |
| 6 months | 1.50% | $75 |
| 12 months | 3.50% | $350 |
| 18 months | 3.40% | $514 |
| 18 monthsRenews at the 18 Month CD term and rate | 3.90% | $591 |
| 24 months | 3.40% | $692 |
| 36 months | 3.00% | $927 |
| 36 monthsRenews at the 3 Year CD term and rate | 4.10% | $1,281 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
| 84 months | 3.00% | $2,299 |
Sources (3)
All captured Sep 17, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.10%APY · 7 terms
Substantial penalty for early withdrawal on all certificate of deposits. Fees may reduce account earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.50% | $350 |
| 18 months | 3.40% | $514 |
| 18 monthsRenews at the 18 Month IRA CD term and Rate | 3.90% | $591 |
| 24 months | 3.40% | $692 |
| 36 months | 3.00% | $927 |
| 36 monthsRenews at the 3 Year IRA CD term and rate | 4.10% | $1,281 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
| 84 months | 3.00% | $2,299 |
Sources (2)
All captured Sep 17, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.